Home > The First National Bank of Herman > Performance and Condition Ratios
The First National Bank of Herman, 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 | 2.6798% | 6,402 |
| Cost of funding earning assets | 0.1856% | 6,033 |
| Net interest margin | 2.4941% | 6,285 |
| Noninterest income to average assets | 0.2491% | 5,420 |
| Noninterest expense to average assets | 1.6496% | 6,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6800% | 3,941 |
| Return on assets (ROA) | 0.6800% | 4,040 |
| Pretax return on assets | 0.6800% | 4,709 |
| Return on Equity (ROE) | 7.5168% | 3,360 |
| Retained earnings to average equity (ytd only) | 4.6142% | 3,221 |
| 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 | 70.8092% | 3,526 |
| Assets per employee ($millions) | 5.6294% | 1,583 |
| Cash dividends to net income (ytd only)* | 38.6139% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 5,045 |
| Loan loss allowance to noncurrent loans | 16.3311% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 1.5881% | 2,062 |
| Noncurrent loans to loans | 6.5198% | 212 |
| Net loans and leases to total assets | 24.0985% | 6,452 |
| Net loans and leases to deposits | 26.8188% | 6,480 |
| Net loans and leases to core deposits | 27.2125% | 6,482 |
| Total domestic deposits to total assets | 89.8568% | 878 |
| Equity capital to assets | 10.0863% | 3,995 |
| Core capital (leverage) ratio | 10.1488% | 3,417 |
| Tier 1 risk-based capital ratio | 27.2318% | 691 |
| Total risk-based capital ratio | 27.9464% | 708 |
| Memoranda: | ||
| Average total assets | $29,704,330 | 6,388 |
| Average earning assets | $24,778,330 | 6,416 |
| Average equity | $2,687,330 | 6,447 |
| Average total loans | $6,812,330 | 6,534 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6966% | 6,466 |
| Cost of funding earning assets | 0.1938% | 6,053 |
| Net interest margin | 2.5028% | 6,334 |
| Noninterest income to average assets | 0.2493% | 5,373 |
| Noninterest expense to average assets | 1.6665% | 6,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6167% | 4,115 |
| Return on assets (ROA) | 0.6167% | 4,194 |
| Pretax return on assets | 0.6167% | 4,777 |
| Return on Equity (ROE) | 7.1989% | 3,355 |
| Retained earnings to average equity (ytd only) | 3.2165% | 4,192 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9885% | 3,312 |
| Assets per employee ($millions) | 5.4414% | 1,760 |
| Cash dividends to net income (ytd only)* | 55.3191% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 4,858 |
| Loan loss allowance to noncurrent loans | 114.0625% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 5,497 |
| Noncurrent loans to loans | 1.0103% | 3,399 |
| Net loans and leases to total assets | 23.0161% | 6,522 |
| Net loans and leases to deposits | 25.5425% | 6,553 |
| Net loans and leases to core deposits | 25.9296% | 6,555 |
| Total domestic deposits to total assets | 90.1092% | 1,009 |
| Equity capital to assets | 9.8357% | 4,051 |
| Core capital (leverage) ratio | 8.4341% | 5,717 |
| Tier 1 risk-based capital ratio | 28.4513% | 612 |
| Total risk-based capital ratio | 29.2091% | 632 |
| Memoranda: | ||
| Average total assets | $30,483,000 | 6,442 |
| Average earning assets | $24,772,000 | 6,483 |
| Average equity | $2,611,500 | 6,520 |
| Average total loans | $6,790,500 | 6,604 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8560% | 6,462 |
| Cost of funding earning assets | 0.2537% | 5,941 |
| Net interest margin | 2.6024% | 6,261 |
| Noninterest income to average assets | 0.2818% | 5,342 |
| Noninterest expense to average assets | 1.7872% | 6,343 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4675% | 4,881 |
| Return on assets (ROA) | 0.4675% | 5,011 |
| Pretax return on assets | 0.4675% | 5,302 |
| Return on Equity (ROE) | 5.2892% | 4,501 |
| Retained earnings to average equity (ytd only) | 3.7137% | 3,576 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2647% | 2,273 |
| Assets per employee ($millions) | 6.7518% | 871 |
| Cash dividends to net income (ytd only)* | 29.7872% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 5,526 |
| 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 | 21.2477% | 6,650 |
| Net loans and leases to deposits | 22.9955% | 6,681 |
| Net loans and leases to core deposits | 23.2686% | 6,683 |
| Total domestic deposits to total assets | 92.3991% | 218 |
| Equity capital to assets | 7.5447% | 6,261 |
| Core capital (leverage) ratio | 9.3487% | 4,478 |
| Tier 1 risk-based capital ratio | 22.4608% | 1,179 |
| Total risk-based capital ratio | 23.0636% | 1,269 |
| Memoranda: | ||
| Average total assets | $30,158,600 | 6,511 |
| Average earning assets | $22,863,800 | 6,602 |
| Average equity | $2,665,800 | 6,593 |
| Average total loans | $6,905,200 | 6,685 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7888% | 6,574 |
| Cost of funding earning assets | 0.2642% | 5,995 |
| Net interest margin | 2.5246% | 6,406 |
| Noninterest income to average assets | 0.2962% | 5,326 |
| Noninterest expense to average assets | 1.6997% | 6,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5559% | 4,550 |
| Return on assets (ROA) | 0.5559% | 4,704 |
| Pretax return on assets | 0.5559% | 5,183 |
| Return on Equity (ROE) | 6.0345% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.0948% | 3,009 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3535% | 2,838 |
| Assets per employee ($millions) | 5.7274% | 1,423 |
| Cash dividends to net income (ytd only)* | 15.5724% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 5,540 |
| 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 | 24.1261% | 6,688 |
| Net loans and leases to deposits | 26.6253% | 6,716 |
| Net loans and leases to core deposits | 27.0030% | 6,727 |
| Total domestic deposits to total assets | 90.6135% | 697 |
| Equity capital to assets | 9.3027% | 4,804 |
| Core capital (leverage) ratio | 9.4354% | 4,496 |
| Tier 1 risk-based capital ratio | 24.8382% | 893 |
| Total risk-based capital ratio | 25.5038% | 945 |
| Memoranda: | ||
| Average total assets | $29,258,500 | 6,613 |
| Average earning assets | $22,709,750 | 6,680 |
| Average equity | $2,695,500 | 6,665 |
| Average total loans | $6,820,000 | 6,769 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7495% | 6,630 |
| Cost of funding earning assets | 0.2885% | 5,916 |
| Net interest margin | 2.4610% | 6,489 |
| Noninterest income to average assets | 0.2919% | 5,367 |
| Noninterest expense to average assets | 1.7308% | 6,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4140% | 5,167 |
| Return on assets (ROA) | 0.4140% | 5,328 |
| Pretax return on assets | 0.4140% | 5,612 |
| Return on Equity (ROE) | 4.5085% | 4,998 |
| Retained earnings to average equity (ytd only) | 4.5085% | 3,400 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6962% | 2,064 |
| Assets per employee ($millions) | 5.6534% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,373 |
| 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 | 22.8570% | 6,747 |
| Net loans and leases to deposits | 25.0961% | 6,782 |
| Net loans and leases to core deposits | 25.4550% | 6,787 |
| Total domestic deposits to total assets | 91.0779% | 520 |
| Equity capital to assets | 8.8407% | 5,396 |
| Core capital (leverage) ratio | 8.7561% | 5,351 |
| Tier 1 risk-based capital ratio | 25.2447% | 850 |
| Total risk-based capital ratio | 25.9319% | 894 |
| Memoranda: | ||
| Average total assets | $29,465,670 | 6,657 |
| Average earning assets | $22,186,000 | 6,742 |
| Average equity | $2,706,000 | 6,715 |
| Average total loans | $6,766,000 | 6,815 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6884% | 6,737 |
| Cost of funding earning assets | 0.2926% | 6,026 |
| Net interest margin | 2.3958% | 6,605 |
| Noninterest income to average assets | 0.3060% | 5,247 |
| Noninterest expense to average assets | 1.7429% | 6,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3060% | 5,551 |
| Return on assets (ROA) | 0.3060% | 5,674 |
| Pretax return on assets | 0.3060% | 5,837 |
| Return on Equity (ROE) | 3.2746% | 5,451 |
| Retained earnings to average equity (ytd only) | 3.2746% | 4,286 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0649% | 1,632 |
| Assets per employee ($millions) | 5.0197% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 5,202 |
| 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 | 20.0246% | 6,856 |
| Net loans and leases to deposits | 22.1029% | 6,885 |
| Net loans and leases to core deposits | 22.4009% | 6,886 |
| Total domestic deposits to total assets | 90.5970% | 715 |
| Equity capital to assets | 9.3134% | 5,113 |
| Core capital (leverage) ratio | 9.1185% | 4,692 |
| Tier 1 risk-based capital ratio | 23.9558% | 1,021 |
| Total risk-based capital ratio | 24.6172% | 1,084 |
| Memoranda: | ||
| Average total assets | $30,065,000 | 6,703 |
| Average earning assets | $21,871,500 | 6,815 |
| Average equity | $2,809,500 | 6,759 |
| Average total loans | $6,882,000 | 6,884 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1228% | 6,713 |
| Cost of funding earning assets | 0.3826% | 6,034 |
| Net interest margin | 2.7402% | 6,464 |
| Noninterest income to average assets | 0.3286% | 5,106 |
| Noninterest expense to average assets | 2.1613% | 6,001 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3828% | 5,167 |
| Return on assets (ROA) | 0.6225% | 4,393 |
| Pretax return on assets | 0.6225% | 4,922 |
| Return on Equity (ROE) | 5.6726% | 4,329 |
| Retained earnings to average equity (ytd only) | 0.7399% | 5,495 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9544% | 1,522 |
| Assets per employee ($millions) | 5.0020% | 2,227 |
| Cash dividends to net income (ytd only)* | 86.9565% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 6,119 |
| 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 | 25.2799% | 6,829 |
| Net loans and leases to deposits | 27.9232% | 6,874 |
| Net loans and leases to core deposits | 28.3013% | 6,880 |
| Total domestic deposits to total assets | 90.5338% | 690 |
| Equity capital to assets | 9.3762% | 5,030 |
| Core capital (leverage) ratio | 10.0963% | 3,279 |
| Tier 1 risk-based capital ratio | 22.0697% | 1,254 |
| Total risk-based capital ratio | 22.6844% | 1,347 |
| Memoranda: | ||
| Average total assets | $25,864,600 | 6,845 |
| Average earning assets | $20,910,800 | 6,886 |
| Average equity | $2,838,200 | 6,816 |
| Average total loans | $7,350,200 | 6,939 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1669% | 6,813 |
| Cost of funding earning assets | 0.3974% | 6,135 |
| Net interest margin | 2.7694% | 6,552 |
| Noninterest income to average assets | 0.3490% | 5,022 |
| Noninterest expense to average assets | 2.1266% | 6,113 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5424% | 4,651 |
| Return on assets (ROA) | 0.8754% | 3,350 |
| Pretax return on assets | 0.8754% | 4,209 |
| Return on Equity (ROE) | 7.6410% | 3,451 |
| Retained earnings to average equity (ytd only) | 3.0940% | 4,690 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6781% | 2,140 |
| Assets per employee ($millions) | 4.0008% | 3,866 |
| Cash dividends to net income (ytd only)* | 59.5086% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 6,139 |
| 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 | 30.5520% | 6,794 |
| Net loans and leases to deposits | 34.8657% | 6,843 |
| Net loans and leases to core deposits | 35.4694% | 6,869 |
| Total domestic deposits to total assets | 87.6276% | 2,272 |
| Equity capital to assets | 12.2225% | 2,095 |
| Core capital (leverage) ratio | 11.1455% | 2,260 |
| Tier 1 risk-based capital ratio | 24.6760% | 937 |
| Total risk-based capital ratio | 25.3517% | 988 |
| Memoranda: | ||
| Average total assets | $24,827,750 | 6,962 |
| Average earning assets | $20,798,250 | 6,976 |
| Average equity | $2,844,250 | 6,904 |
| Average total loans | $7,272,750 | 7,034 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1775% | 6,889 |
| Cost of funding earning assets | 0.3936% | 6,307 |
| Net interest margin | 2.7840% | 6,608 |
| Noninterest income to average assets | 0.3506% | 5,037 |
| Noninterest expense to average assets | 2.0955% | 6,238 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5657% | 4,513 |
| Return on assets (ROA) | 0.8366% | 3,475 |
| Pretax return on assets | 0.8366% | 4,324 |
| Return on Equity (ROE) | 7.4618% | 3,543 |
| Retained earnings to average equity (ytd only) | 3.5532% | 4,234 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7425% | 2,361 |
| Assets per employee ($millions) | 3.8807% | 4,120 |
| Cash dividends to net income (ytd only)* | 52.3810% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 5,965 |
| 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 | 29.5654% | 6,883 |
| Net loans and leases to deposits | 33.7616% | 6,929 |
| Net loans and leases to core deposits | 34.3650% | 6,952 |
| Total domestic deposits to total assets | 87.5709% | 2,419 |
| Equity capital to assets | 12.2960% | 1,935 |
| Core capital (leverage) ratio | 11.2283% | 2,103 |
| Tier 1 risk-based capital ratio | 25.2189% | 878 |
| Total risk-based capital ratio | 25.9136% | 922 |
| Memoranda: | ||
| Average total assets | $25,102,000 | 7,009 |
| Average earning assets | $20,833,670 | 7,036 |
| Average equity | $2,814,330 | 6,950 |
| Average total loans | $7,228,000 | 7,091 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1061% | 6,998 |
| Cost of funding earning assets | 0.3977% | 6,421 |
| Net interest margin | 2.7083% | 6,758 |
| Noninterest income to average assets | 0.3537% | 5,038 |
| Noninterest expense to average assets | 2.0607% | 6,360 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4921% | 4,863 |
| Return on assets (ROA) | 0.4921% | 5,064 |
| Pretax return on assets | 0.4921% | 5,455 |
| Return on Equity (ROE) | 4.5878% | 4,991 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7229% | 2,114 |
| Assets per employee ($millions) | 4.1825% | 3,617 |
| Cash dividends to net income (ytd only)* | 100.0000% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,918 |
| 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 | 26.2642% | 7,030 |
| Net loans and leases to deposits | 29.6065% | 7,061 |
| Net loans and leases to core deposits | 30.0904% | 7,075 |
| Total domestic deposits to total assets | 88.7109% | 1,879 |
| Equity capital to assets | 11.1536% | 2,754 |
| Core capital (leverage) ratio | 10.5101% | 2,737 |
| Tier 1 risk-based capital ratio | 23.7140% | 1,037 |
| Total risk-based capital ratio | 24.3798% | 1,097 |
| Memoranda: | ||
| Average total assets | $26,011,000 | 7,050 |
| Average earning assets | $21,120,000 | 7,087 |
| Average equity | $2,790,000 | 7,003 |
| Average total loans | $7,363,500 | 7,152 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6434% | 6,900 |
| Cost of funding earning assets | 0.5444% | 6,367 |
| Net interest margin | 3.0990% | 6,348 |
| Noninterest income to average assets | 0.3391% | 5,105 |
| Noninterest expense to average assets | 2.4014% | 5,771 |
| Loan and lease loss provision to assets | 0.0319% | 6,166 |
| Net operating income to assets | 0.4946% | 4,447 |
| Return on assets (ROA) | 0.9095% | 2,682 |
| Pretax return on assets | 0.9095% | 3,580 |
| Return on Equity (ROE) | 8.4689% | 2,688 |
| Retained earnings to average equity (ytd only) | 4.3830% | 3,057 |
| Net charge-offs to loans | 0.1724% | 4,768 |
| Credit loss provision to net charge-offs | 61.5385% | 5,133 |
| Earnings coverage of net charge-offs (x) | 10.1538% | 1,878 |
| Efficiency ratio | 82.0163% | 2,026 |
| Assets per employee ($millions) | 4.4878% | 2,933 |
| Cash dividends to net income (ytd only)* | 48.2456% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 6,524 |
| 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 | 29.6728% | 7,021 |
| Net loans and leases to deposits | 33.1343% | 7,069 |
| Net loans and leases to core deposits | 33.6336% | 7,084 |
| Total domestic deposits to total assets | 89.5532% | 1,233 |
| Equity capital to assets | 10.3279% | 3,746 |
| Core capital (leverage) ratio | 10.5238% | 2,697 |
| Tier 1 risk-based capital ratio | 21.9280% | 1,245 |
| Total risk-based capital ratio | 22.5436% | 1,336 |
| Memoranda: | ||
| Average total assets | $25,068,400 | 7,101 |
| Average earning assets | $20,942,200 | 7,125 |
| Average equity | $2,692,200 | 7,076 |
| Average total loans | $7,541,600 | 7,198 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8265% | 6,814 |
| Cost of funding earning assets | 0.5788% | 6,383 |
| Net interest margin | 3.2477% | 6,023 |
| Noninterest income to average assets | 0.3414% | 5,130 |
| Noninterest expense to average assets | 2.3736% | 5,837 |
| Loan and lease loss provision to assets | 0.0434% | 5,897 |
| Net operating income to assets | 0.6611% | 3,817 |
| Return on assets (ROA) | 1.2247% | 1,696 |
| Pretax return on assets | 1.2247% | 2,541 |
| Return on Equity (ROE) | 11.2858% | 1,763 |
| Retained earnings to average equity (ytd only) | 5.7925% | 2,681 |
| Net charge-offs to loans | 0.2699% | 3,749 |
| Credit loss provision to net charge-offs | 53.3333% | 4,964 |
| Earnings coverage of net charge-offs (x) | 8.6665% | 2,142 |
| Efficiency ratio | 77.1127% | 2,663 |
| Assets per employee ($millions) | 4.5837% | 2,782 |
| Cash dividends to net income (ytd only)* | 48.6709% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 6,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 6,855 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 24.6382% | 7,218 |
| Net loans and leases to deposits | 27.5179% | 7,253 |
| Net loans and leases to core deposits | 29.7480% | 7,232 |
| Total domestic deposits to total assets | 89.5353% | 1,125 |
| Equity capital to assets | 10.2974% | 3,958 |
| Core capital (leverage) ratio | 10.4970% | 2,873 |
| Tier 1 risk-based capital ratio | 22.2222% | 1,247 |
| Total risk-based capital ratio | 22.8295% | 1,326 |
| Memoranda: | ||
| Average total assets | $24,603,750 | 7,185 |
| Average earning assets | $20,732,250 | 7,205 |
| Average equity | $2,670,000 | 7,149 |
| Average total loans | $7,411,250 | 7,273 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 6,832 |
| Cost of funding earning assets | 0.6036% | 6,447 |
| Net interest margin | 3.2767% | 5,923 |
| Noninterest income to average assets | 0.3554% | 5,044 |
| Noninterest expense to average assets | 2.4114% | 5,808 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8376% | 2,913 |
| Return on assets (ROA) | 1.2522% | 1,511 |
| Pretax return on assets | 1.2522% | 2,298 |
| Return on Equity (ROE) | 11.3150% | 1,692 |
| Retained earnings to average equity (ytd only) | 5.3517% | 2,774 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2188% | 3,318 |
| Assets per employee ($millions) | 3.9100% | 3,970 |
| Cash dividends to net income (ytd only)* | 52.7027% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 6,060 |
| 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 | 30.7033% | 7,153 |
| Net loans and leases to deposits | 34.8139% | 7,197 |
| Net loans and leases to core deposits | 38.7362% | 7,149 |
| Total domestic deposits to total assets | 88.1927% | 2,018 |
| Equity capital to assets | 11.6198% | 2,393 |
| Core capital (leverage) ratio | 10.9148% | 2,327 |
| Tier 1 risk-based capital ratio | 22.7959% | 1,150 |
| Total risk-based capital ratio | 23.4926% | 1,193 |
| Memoranda: | ||
| Average total assets | $23,637,670 | 7,274 |
| Average earning assets | $20,874,670 | 7,274 |
| Average equity | $2,616,000 | 7,221 |
| Average total loans | $7,599,330 | 7,341 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 7,002 |
| Cost of funding earning assets | 0.6296% | 6,476 |
| Net interest margin | 3.1289% | 6,269 |
| Noninterest income to average assets | 0.3878% | 4,811 |
| Noninterest expense to average assets | 2.4277% | 5,803 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7249% | 3,404 |
| Return on assets (ROA) | 0.9947% | 2,248 |
| Pretax return on assets | 0.9947% | 3,148 |
| Return on Equity (ROE) | 9.2152% | 2,380 |
| Retained earnings to average equity (ytd only) | 8.7466% | 1,475 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0053% | 2,985 |
| Assets per employee ($millions) | 3.9670% | 3,899 |
| Cash dividends to net income (ytd only)* | 5.0847% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 6,000 |
| 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 | 29.1614% | 7,254 |
| Net loans and leases to deposits | 32.8009% | 7,297 |
| Net loans and leases to core deposits | 36.4051% | 7,251 |
| Total domestic deposits to total assets | 88.9043% | 1,833 |
| Equity capital to assets | 10.8772% | 2,800 |
| Core capital (leverage) ratio | 10.4763% | 2,638 |
| Tier 1 risk-based capital ratio | 22.4940% | 1,147 |
| Total risk-based capital ratio | 23.1853% | 1,209 |
| Memoranda: | ||
| Average total assets | $23,726,500 | 7,322 |
| Average earning assets | $20,966,000 | 7,322 |
| Average equity | $2,561,000 | 7,280 |
| Average total loans | $7,758,500 | 7,395 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 6,587 |
| Cost of funding earning assets | 0.8606% | 6,336 |
| Net interest margin | 3.5564% | 5,014 |
| Noninterest income to average assets | 0.2898% | 5,716 |
| Noninterest expense to average assets | 2.5948% | 5,440 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7069% | 3,204 |
| Return on assets (ROA) | 0.7069% | 3,330 |
| Pretax return on assets | 0.7069% | 3,953 |
| Return on Equity (ROE) | 6.1119% | 3,565 |
| Retained earnings to average equity (ytd only) | 0.7972% | 5,153 |
| Net charge-offs to loans | 0.1010% | 5,855 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 20.1250% | 1,022 |
| Efficiency ratio | 78.5904% | 2,599 |
| Assets per employee ($millions) | 3.9418% | 3,908 |
| Cash dividends to net income (ytd only)* | 86.9565% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 6,674 |
| 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 | 35.6010% | 7,174 |
| Net loans and leases to deposits | 39.9772% | 7,254 |
| Net loans and leases to core deposits | 44.3929% | 7,190 |
| Total domestic deposits to total assets | 89.0533% | 1,621 |
| Equity capital to assets | 10.7099% | 2,943 |
| Core capital (leverage) ratio | 10.5910% | 2,466 |
| Tier 1 risk-based capital ratio | 20.1494% | 1,456 |
| Total risk-based capital ratio | 20.7826% | 1,559 |
| Memoranda: | ||
| Average total assets | $22,776,000 | 7,402 |
| Average earning assets | $19,289,200 | 7,418 |
| Average equity | $2,634,200 | 7,366 |
| Average total loans | $7,922,000 | 7,470 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5762% | 6,404 |
| Cost of funding earning assets | 0.9110% | 6,355 |
| Net interest margin | 3.6652% | 4,568 |
| Noninterest income to average assets | 0.2719% | 5,936 |
| Noninterest expense to average assets | 2.4057% | 6,017 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9339% | 2,481 |
| Return on assets (ROA) | 0.9339% | 2,612 |
| Pretax return on assets | 0.9339% | 3,434 |
| Return on Equity (ROE) | 7.9210% | 2,946 |
| Retained earnings to average equity (ytd only) | 2.5569% | 4,631 |
| Net charge-offs to loans | 0.1372% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 19.7432% | 1,196 |
| Efficiency ratio | 72.0354% | 3,689 |
| Assets per employee ($millions) | 3.7022% | 4,505 |
| Cash dividends to net income (ytd only)* | 67.7205% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 6,484 |
| 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 | 35.5332% | 7,281 |
| Net loans and leases to deposits | 40.6374% | 7,353 |
| Net loans and leases to core deposits | 43.8988% | 7,327 |
| Total domestic deposits to total assets | 87.4398% | 2,295 |
| Equity capital to assets | 12.2406% | 2,013 |
| Core capital (leverage) ratio | 11.6561% | 1,840 |
| Tier 1 risk-based capital ratio | 19.8530% | 1,578 |
| Total risk-based capital ratio | 20.4695% | 1,675 |
| Memoranda: | ||
| Average total assets | $22,557,250 | 7,501 |
| Average earning assets | $18,879,750 | 7,526 |
| Average equity | $2,659,500 | 7,457 |
| Average total loans | $7,778,000 | 7,571 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 6,325 |
| Cost of funding earning assets | 0.9313% | 6,461 |
| Net interest margin | 3.7147% | 4,295 |
| Noninterest income to average assets | 0.3881% | 5,009 |
| Noninterest expense to average assets | 2.3730% | 6,137 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1115% | 1,815 |
| Return on assets (ROA) | 1.1115% | 1,884 |
| Pretax return on assets | 1.1115% | 2,748 |
| Return on Equity (ROE) | 9.5466% | 2,255 |
| Retained earnings to average equity (ytd only) | 3.8641% | 3,629 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1013% | 4,563 |
| Assets per employee ($millions) | 3.6057% | 4,681 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 6,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 7,099 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 37.0297% | 7,319 |
| Net loans and leases to deposits | 42.4289% | 7,378 |
| Net loans and leases to core deposits | 45.0486% | 7,379 |
| Total domestic deposits to total assets | 87.2747% | 2,395 |
| Equity capital to assets | 12.4295% | 1,841 |
| Core capital (leverage) ratio | 11.4588% | 1,935 |
| Tier 1 risk-based capital ratio | 20.3318% | 1,458 |
| Total risk-based capital ratio | 21.0279% | 1,521 |
| Memoranda: | ||
| Average total assets | $22,672,000 | 7,563 |
| Average earning assets | $18,897,670 | 7,588 |
| Average equity | $2,639,670 | 7,517 |
| Average total loans | $7,713,670 | 7,635 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 6,261 |
| Cost of funding earning assets | 0.9816% | 6,453 |
| Net interest margin | 3.7130% | 4,175 |
| Noninterest income to average assets | 0.3967% | 4,938 |
| Noninterest expense to average assets | 2.3975% | 6,099 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0004% | 2,186 |
| Return on assets (ROA) | 1.0004% | 2,256 |
| Pretax return on assets | 1.0004% | 3,094 |
| Return on Equity (ROE) | 8.8719% | 2,537 |
| Retained earnings to average equity (ytd only) | 2.4474% | 4,667 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5584% | 4,204 |
| Assets per employee ($millions) | 3.9060% | 4,085 |
| Cash dividends to net income (ytd only)* | 72.4138% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 5,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 7,210 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 30.4531% | 7,610 |
| Net loans and leases to deposits | 34.3736% | 7,650 |
| Net loans and leases to core deposits | 40.0617% | 7,575 |
| Total domestic deposits to total assets | 88.5945% | 1,736 |
| Equity capital to assets | 11.1367% | 2,649 |
| Core capital (leverage) ratio | 10.8090% | 2,365 |
| Tier 1 risk-based capital ratio | 20.6005% | 1,409 |
| Total risk-based capital ratio | 21.3157% | 1,483 |
| Memoranda: | ||
| Average total assets | $23,191,000 | 7,646 |
| Average earning assets | $18,745,000 | 7,686 |
| Average equity | $2,615,000 | 7,605 |
| Average total loans | $7,522,000 | 7,738 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1049% | 6,066 |
| Cost of funding earning assets | 1.3003% | 6,306 |
| Net interest margin | 3.8046% | 3,687 |
| Noninterest income to average assets | 0.3594% | 5,518 |
| Noninterest expense to average assets | 2.6668% | 5,528 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8475% | 2,357 |
| Return on assets (ROA) | 1.0783% | 1,622 |
| Pretax return on assets | 1.0783% | 2,314 |
| Return on Equity (ROE) | 9.2670% | 1,933 |
| Retained earnings to average equity (ytd only) | 2.5170% | 3,385 |
| Net charge-offs to loans | 0.0403% | 6,707 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 63.6667% | 429 |
| Efficiency ratio | 75.8838% | 3,548 |
| Assets per employee ($millions) | 3.8243% | 4,223 |
| Cash dividends to net income (ytd only)* | 72.8395% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 5,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 7,215 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 33.7096% | 7,603 |
| Net loans and leases to deposits | 38.1843% | 7,677 |
| Net loans and leases to core deposits | 47.2193% | 7,645 |
| Total domestic deposits to total assets | 88.2812% | 1,835 |
| Equity capital to assets | 11.4181% | 2,378 |
| Core capital (leverage) ratio | 10.7858% | 2,356 |
| Tier 1 risk-based capital ratio | 20.3928% | 1,392 |
| Total risk-based capital ratio | 21.1054% | 1,449 |
| Memoranda: | ||
| Average total assets | $22,536,200 | 7,715 |
| Average earning assets | $18,688,000 | 7,741 |
| Average equity | $2,622,200 | 7,698 |
| Average total loans | $7,440,600 | 7,805 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1386% | 6,145 |
| Cost of funding earning assets | 1.3537% | 6,386 |
| Net interest margin | 3.7848% | 3,718 |
| Noninterest income to average assets | 0.3744% | 5,519 |
| Noninterest expense to average assets | 2.3773% | 6,485 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1708% | 1,539 |
| Return on assets (ROA) | 1.4799% | 915 |
| Pretax return on assets | 1.4799% | 1,476 |
| Return on Equity (ROE) | 12.6581% | 1,189 |
| Retained earnings to average equity (ytd only) | 3.6603% | 3,241 |
| Net charge-offs to loans | 0.0545% | 6,163 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 65.6650% | 502 |
| Efficiency ratio | 67.0017% | 5,187 |
| Assets per employee ($millions) | 3.7135% | 4,394 |
| Cash dividends to net income (ytd only)* | 71.0835% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 5,359 |
| Loan loss allowance to noncurrent loans | 330.7692% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 6,944 |
| Noncurrent loans to loans | 0.3507% | 6,654 |
| Net loans and leases to total assets | 32.8845% | 7,718 |
| Net loans and leases to deposits | 37.4974% | 7,794 |
| Net loans and leases to core deposits | 46.3499% | 7,763 |
| Total domestic deposits to total assets | 87.6980% | 1,802 |
| Equity capital to assets | 11.9250% | 2,281 |
| Core capital (leverage) ratio | 11.1131% | 2,320 |
| Tier 1 risk-based capital ratio | 20.5858% | 1,443 |
| Total risk-based capital ratio | 21.3034% | 1,493 |
| Memoranda: | ||
| Average total assets | $22,433,750 | 7,790 |
| Average earning assets | $18,811,500 | 7,813 |
| Average equity | $2,622,750 | 7,777 |
| Average total loans | $7,345,500 | 7,885 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2305% | 5,954 |
| Cost of funding earning assets | 1.4177% | 6,424 |
| Net interest margin | 3.8128% | 3,500 |
| Noninterest income to average assets | 0.3736% | 5,520 |
| Noninterest expense to average assets | 2.3216% | 6,700 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2097% | 1,447 |
| Return on assets (ROA) | 1.2097% | 1,533 |
| Pretax return on assets | 1.2097% | 2,269 |
| Return on Equity (ROE) | 10.4161% | 1,879 |
| Retained earnings to average equity (ytd only) | 0.0766% | 5,174 |
| Net charge-offs to loans | 0.0819% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 740 |
| Efficiency ratio | 65.7431% | 5,592 |
| Assets per employee ($millions) | 3.7187% | 4,280 |
| Cash dividends to net income (ytd only)* | 99.2647% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 5,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 7,221 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 32.1352% | 7,838 |
| Net loans and leases to deposits | 36.5704% | 7,890 |
| Net loans and leases to core deposits | 42.7371% | 7,896 |
| Total domestic deposits to total assets | 87.8720% | 1,829 |
| Equity capital to assets | 11.6888% | 2,390 |
| Core capital (leverage) ratio | 10.9237% | 2,465 |
| Tier 1 risk-based capital ratio | 20.2930% | 1,516 |
| Total risk-based capital ratio | 21.0214% | 1,578 |
| Memoranda: | ||
| Average total assets | $22,484,670 | 7,867 |
| Average earning assets | $18,621,670 | 7,893 |
| Average equity | $2,611,330 | 7,852 |
| Average total loans | $7,323,000 | 7,976 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4791% | 5,017 |
| Cost of funding earning assets | 1.5146% | 6,362 |
| Net interest margin | 3.9646% | 2,798 |
| Noninterest income to average assets | 0.4076% | 5,157 |
| Noninterest expense to average assets | 2.2507% | 6,690 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3114% | 1,352 |
| Return on assets (ROA) | 1.3114% | 1,452 |
| Pretax return on assets | 1.3114% | 2,247 |
| Return on Equity (ROE) | 11.3280% | 1,872 |
| Retained earnings to average equity (ytd only) | 0.6123% | 5,412 |
| Net charge-offs to loans | -0.0544% | 7,718 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1841% | 5,838 |
| Assets per employee ($millions) | 3.6203% | 4,525 |
| Cash dividends to net income (ytd only)* | 94.5946% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 4,156 |
| Loan loss allowance to noncurrent loans | 750.0000% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 6,954 |
| Noncurrent loans to loans | 0.1715% | 7,035 |
| Net loans and leases to total assets | 31.8065% | 7,870 |
| Net loans and leases to deposits | 36.3421% | 7,936 |
| Net loans and leases to core deposits | 42.6850% | 7,929 |
| Total domestic deposits to total assets | 87.5196% | 1,960 |
| Equity capital to assets | 12.0937% | 2,206 |
| Core capital (leverage) ratio | 11.3896% | 2,212 |
| Tier 1 risk-based capital ratio | 20.6171% | 1,501 |
| Total risk-based capital ratio | 21.3905% | 1,554 |
| Memoranda: | ||
| Average total assets | $22,571,000 | 7,910 |
| Average earning assets | $17,959,000 | 7,964 |
| Average equity | $2,613,000 | 7,903 |
| Average total loans | $7,356,500 | 8,022 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0871% | 5,111 |
| Cost of funding earning assets | 2.0610% | 6,192 |
| Net interest margin | 4.0261% | 2,998 |
| Noninterest income to average assets | 0.4758% | 4,831 |
| Noninterest expense to average assets | 2.7434% | 5,082 |
| Loan and lease loss provision to assets | 0.0194% | 7,144 |
| Net operating income to assets | 1.1750% | 1,858 |
| Return on assets (ROA) | 1.1799% | 1,772 |
| Pretax return on assets | 1.1799% | 2,725 |
| Return on Equity (ROE) | 10.0422% | 2,249 |
| Retained earnings to average equity (ytd only) | 5.5790% | 1,722 |
| Net charge-offs to loans | 0.1092% | 5,189 |
| Credit loss provision to net charge-offs | 44.4444% | 6,410 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,248 |
| Efficiency ratio | 69.6671% | 4,415 |
| Assets per employee ($millions) | 3.9033% | 3,723 |
| Cash dividends to net income (ytd only)* | 44.4444% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 4,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 7,070 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 32.5576% | 7,927 |
| Net loans and leases to deposits | 36.7807% | 8,003 |
| Net loans and leases to core deposits | 40.5736% | 8,044 |
| Total domestic deposits to total assets | 88.5184% | 1,240 |
| Equity capital to assets | 11.0974% | 2,964 |
| Core capital (leverage) ratio | 11.9529% | 1,988 |
| Tier 1 risk-based capital ratio | 19.4368% | 1,718 |
| Total risk-based capital ratio | 20.1591% | 1,788 |
| Memoranda: | ||
| Average total assets | $20,595,200 | 7,997 |
| Average earning assets | $17,709,600 | 8,013 |
| Average equity | $2,419,800 | 8,012 |
| Average total loans | $8,241,800 | 8,024 |