Home > The First National Bank of Howard > Performance and Condition Ratios
The First National Bank of Howard, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3478% | 5,335 |
| Cost of funding earning assets | 0.1732% | 5,746 |
| Net interest margin | 3.1746% | 4,695 |
| Noninterest income to average assets | 0.5662% | 2,858 |
| Noninterest expense to average assets | 2.7281% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6692% | 3,959 |
| Return on assets (ROA) | 0.6692% | 4,081 |
| Pretax return on assets | 0.6692% | 4,696 |
| Return on Equity (ROE) | 3.1241% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.1241% | 4,109 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3030% | 1,861 |
| Assets per employee ($millions) | 3.7375% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 3,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 35.2107% | 5,865 |
| Net loans and leases to deposits | 45.4420% | 5,681 |
| Net loans and leases to core deposits | 45.4420% | 5,781 |
| Total domestic deposits to total assets | 77.4849% | 5,535 |
| Equity capital to assets | 22.3545% | 147 |
| Core capital (leverage) ratio | 19.1393% | 236 |
| Tier 1 risk-based capital ratio | 45.3488% | 188 |
| Total risk-based capital ratio | 46.3924% | 190 |
| Memoranda: | ||
| Average total assets | $7,771,000 | 6,414 |
| Average earning assets | $6,930,000 | 6,400 |
| Average equity | $1,664,500 | 6,358 |
| Average total loans | $3,147,000 | 6,368 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8458% | 6,174 |
| Cost of funding earning assets | 0.1512% | 6,094 |
| Net interest margin | 2.6945% | 5,948 |
| Noninterest income to average assets | 0.6589% | 2,512 |
| Noninterest expense to average assets | 2.4584% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6589% | 4,093 |
| Return on assets (ROA) | 0.6589% | 4,193 |
| Pretax return on assets | 0.6843% | 4,679 |
| Return on Equity (ROE) | 3.1322% | 5,428 |
| Retained earnings to average equity (ytd only) | 0.4216% | 5,585 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2258% | 2,180 |
| Assets per employee ($millions) | 4.0335% | 3,873 |
| Cash dividends to net income (ytd only)* | 86.5385% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 5,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 44.5271% | 5,431 |
| Net loans and leases to deposits | 56.1162% | 5,178 |
| Net loans and leases to core deposits | 56.1162% | 5,376 |
| Total domestic deposits to total assets | 79.3480% | 5,175 |
| Equity capital to assets | 20.5529% | 204 |
| Core capital (leverage) ratio | 20.4062% | 197 |
| Tier 1 risk-based capital ratio | 38.5940% | 256 |
| Total risk-based capital ratio | 39.4088% | 263 |
| Memoranda: | ||
| Average total assets | $7,891,400 | 6,504 |
| Average earning assets | $7,274,000 | 6,491 |
| Average equity | $1,660,200 | 6,442 |
| Average total loans | $3,133,600 | 6,461 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7023% | 6,329 |
| Cost of funding earning assets | 0.1461% | 6,207 |
| Net interest margin | 2.5562% | 6,178 |
| Noninterest income to average assets | 0.6796% | 2,425 |
| Noninterest expense to average assets | 2.4126% | 4,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6457% | 4,231 |
| Return on assets (ROA) | 0.6457% | 4,331 |
| Pretax return on assets | 0.6457% | 4,891 |
| Return on Equity (ROE) | 3.0510% | 5,522 |
| Retained earnings to average equity (ytd only) | 1.0435% | 5,466 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8889% | 2,066 |
| Assets per employee ($millions) | 4.0270% | 3,821 |
| Cash dividends to net income (ytd only)* | 65.7786% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 5,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 41.5694% | 5,710 |
| Net loans and leases to deposits | 52.6167% | 5,497 |
| Net loans and leases to core deposits | 52.6167% | 5,648 |
| Total domestic deposits to total assets | 79.0042% | 5,326 |
| Equity capital to assets | 20.6605% | 206 |
| Core capital (leverage) ratio | 21.7659% | 147 |
| Tier 1 risk-based capital ratio | 39.4500% | 252 |
| Total risk-based capital ratio | 40.2798% | 256 |
| Memoranda: | ||
| Average total assets | $7,847,500 | 6,583 |
| Average earning assets | $7,302,250 | 6,570 |
| Average equity | $1,660,750 | 6,516 |
| Average total loans | $3,010,250 | 6,541 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6021% | 6,439 |
| Cost of funding earning assets | 0.1384% | 6,322 |
| Net interest margin | 2.4637% | 6,308 |
| Noninterest income to average assets | 0.6428% | 2,591 |
| Noninterest expense to average assets | 2.3912% | 4,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5399% | 4,651 |
| Return on assets (ROA) | 0.5399% | 4,747 |
| Pretax return on assets | 0.5399% | 5,158 |
| Return on Equity (ROE) | 2.5306% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.5306% | 4,587 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5789% | 1,798 |
| Assets per employee ($millions) | 3.6640% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 4,995 |
| 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 | 43.8592% | 5,541 |
| Net loans and leases to deposits | 57.0465% | 5,116 |
| Net loans and leases to core deposits | 57.0465% | 5,342 |
| Total domestic deposits to total assets | 76.8832% | 5,809 |
| Equity capital to assets | 22.8166% | 129 |
| Core capital (leverage) ratio | 21.9942% | 131 |
| Tier 1 risk-based capital ratio | 41.4683% | 215 |
| Total risk-based capital ratio | 42.3363% | 215 |
| Memoranda: | ||
| Average total assets | $7,778,670 | 6,650 |
| Average earning assets | $7,225,000 | 6,637 |
| Average equity | $1,659,670 | 6,580 |
| Average total loans | $2,886,000 | 6,607 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4440% | 6,562 |
| Cost of funding earning assets | 0.1629% | 6,281 |
| Net interest margin | 2.2811% | 6,485 |
| Noninterest income to average assets | 0.5997% | 2,734 |
| Noninterest expense to average assets | 2.4488% | 4,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2499% | 5,664 |
| Return on assets (ROA) | 0.2499% | 5,707 |
| Pretax return on assets | 0.2499% | 5,827 |
| Return on Equity (ROE) | 1.2096% | 5,989 |
| Retained earnings to average equity (ytd only) | 1.2096% | 5,123 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7407% | 969 |
| Assets per employee ($millions) | 3.9370% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 4,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 4,592 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 36.8047% | 6,028 |
| Net loans and leases to deposits | 46.7570% | 5,804 |
| Net loans and leases to core deposits | 49.9828% | 5,761 |
| Total domestic deposits to total assets | 78.7148% | 5,726 |
| Equity capital to assets | 21.0312% | 172 |
| Core capital (leverage) ratio | 20.5765% | 183 |
| Tier 1 risk-based capital ratio | 41.9134% | 212 |
| Total risk-based capital ratio | 42.7993% | 210 |
| Memoranda: | ||
| Average total assets | $8,004,000 | 6,723 |
| Average earning assets | $7,365,000 | 6,710 |
| Average equity | $1,653,500 | 6,645 |
| Average total loans | $2,704,500 | 6,680 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1967% | 6,689 |
| Cost of funding earning assets | 0.1798% | 6,392 |
| Net interest margin | 2.0169% | 6,644 |
| Noninterest income to average assets | 0.5823% | 3,197 |
| Noninterest expense to average assets | 2.2104% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2258% | 5,759 |
| Return on assets (ROA) | 0.2258% | 5,817 |
| Pretax return on assets | 0.2377% | 5,871 |
| Return on Equity (ROE) | 1.1478% | 6,056 |
| Retained earnings to average equity (ytd only) | -0.2416% | 5,927 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2913% | 1,002 |
| Assets per employee ($millions) | 4.0670% | 3,717 |
| Cash dividends to net income (ytd only)* | 121.0526% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 3,589 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 4,961 |
| Noncurrent loans to loans | 1.4136% | 2,777 |
| Net loans and leases to total assets | 30.0098% | 6,460 |
| Net loans and leases to deposits | 37.7396% | 6,376 |
| Net loans and leases to core deposits | 40.2274% | 6,354 |
| Total domestic deposits to total assets | 79.5181% | 5,543 |
| Equity capital to assets | 20.2975% | 197 |
| Core capital (leverage) ratio | 20.0632% | 197 |
| Tier 1 risk-based capital ratio | 45.5826% | 164 |
| Total risk-based capital ratio | 46.5489% | 164 |
| Memoranda: | ||
| Average total assets | $8,414,800 | 6,806 |
| Average earning assets | $7,784,400 | 6,794 |
| Average equity | $1,655,400 | 6,739 |
| Average total loans | $2,585,000 | 6,766 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1892% | 6,771 |
| Cost of funding earning assets | 0.1867% | 6,465 |
| Net interest margin | 2.0025% | 6,725 |
| Noninterest income to average assets | 0.5972% | 3,160 |
| Noninterest expense to average assets | 2.1371% | 5,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2985% | 5,620 |
| Return on assets (ROA) | 0.2985% | 5,736 |
| Pretax return on assets | 0.3142% | 5,836 |
| Return on Equity (ROE) | 1.5291% | 6,065 |
| Retained earnings to average equity (ytd only) | 0.3218% | 5,837 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1795% | 1,242 |
| Assets per employee ($millions) | 4.0660% | 3,706 |
| Cash dividends to net income (ytd only)* | 78.9578% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 4,211 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 5,138 |
| Noncurrent loans to loans | 1.3364% | 3,188 |
| Net loans and leases to total assets | 31.7757% | 6,462 |
| Net loans and leases to deposits | 40.1429% | 6,380 |
| Net loans and leases to core deposits | 42.8027% | 6,363 |
| Total domestic deposits to total assets | 79.1564% | 5,714 |
| Equity capital to assets | 20.4009% | 194 |
| Core capital (leverage) ratio | 20.3934% | 191 |
| Tier 1 risk-based capital ratio | 44.6448% | 178 |
| Total risk-based capital ratio | 45.5867% | 179 |
| Memoranda: | ||
| Average total assets | $8,485,000 | 6,884 |
| Average earning assets | $7,856,750 | 6,872 |
| Average equity | $1,656,500 | 6,815 |
| Average total loans | $2,612,250 | 6,843 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1616% | 6,823 |
| Cost of funding earning assets | 0.1759% | 6,594 |
| Net interest margin | 1.9857% | 6,769 |
| Noninterest income to average assets | 0.6045% | 3,159 |
| Noninterest expense to average assets | 2.0459% | 5,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3720% | 5,323 |
| Return on assets (ROA) | 0.3720% | 5,494 |
| Pretax return on assets | 0.3952% | 5,648 |
| Return on Equity (ROE) | 1.9328% | 5,974 |
| Retained earnings to average equity (ytd only) | 0.1208% | 5,815 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8095% | 1,652 |
| Assets per employee ($millions) | 4.0050% | 3,788 |
| Cash dividends to net income (ytd only)* | 93.7500% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 4,101 |
| 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 | 31.0861% | 6,542 |
| Net loans and leases to deposits | 39.3738% | 6,434 |
| Net loans and leases to core deposits | 42.0324% | 6,405 |
| Total domestic deposits to total assets | 78.9513% | 5,809 |
| Equity capital to assets | 20.6742% | 181 |
| Core capital (leverage) ratio | 20.0411% | 192 |
| Tier 1 risk-based capital ratio | 43.7517% | 184 |
| Total risk-based capital ratio | 44.6764% | 185 |
| Memoranda: | ||
| Average total assets | $8,602,670 | 6,933 |
| Average earning assets | $7,957,000 | 6,922 |
| Average equity | $1,655,670 | 6,868 |
| Average total loans | $2,610,000 | 6,892 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1420% | 6,908 |
| Cost of funding earning assets | 0.1947% | 6,597 |
| Net interest margin | 1.9473% | 6,859 |
| Noninterest income to average assets | 0.5394% | 3,502 |
| Noninterest expense to average assets | 2.2924% | 5,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0449% | 6,266 |
| Return on assets (ROA) | 0.0449% | 6,350 |
| Pretax return on assets | 0.0449% | 6,347 |
| Return on Equity (ROE) | 0.2416% | 6,384 |
| Retained earnings to average equity (ytd only) | 0.2416% | 5,706 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0769% | 630 |
| Assets per employee ($millions) | 4.0000% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,702 |
| 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 | 33.2375% | 6,454 |
| Net loans and leases to deposits | 42.1128% | 6,311 |
| Net loans and leases to core deposits | 44.9611% | 6,265 |
| Total domestic deposits to total assets | 78.9250% | 5,975 |
| Equity capital to assets | 20.7000% | 191 |
| Core capital (leverage) ratio | 19.6745% | 208 |
| Tier 1 risk-based capital ratio | 43.2263% | 193 |
| Total risk-based capital ratio | 44.1399% | 194 |
| Memoranda: | ||
| Average total assets | $8,899,000 | 7,011 |
| Average earning assets | $8,216,500 | 6,999 |
| Average equity | $1,655,500 | 6,935 |
| Average total loans | $2,652,500 | 6,967 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9166% | 6,812 |
| Cost of funding earning assets | 0.2333% | 6,740 |
| Net interest margin | 2.6833% | 6,539 |
| Noninterest income to average assets | 0.5797% | 3,392 |
| Noninterest expense to average assets | 2.6026% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4140% | 5,039 |
| Return on assets (ROA) | 0.4140% | 5,294 |
| Pretax return on assets | 0.4259% | 5,501 |
| Return on Equity (ROE) | 2.1158% | 5,865 |
| Retained earnings to average equity (ytd only) | 0.6045% | 5,551 |
| Net charge-offs to loans | 0.0932% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,974 |
| Efficiency ratio | 85.9375% | 1,436 |
| Assets per employee ($millions) | 4.8990% | 2,361 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 4,453 |
| 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 | 26.2911% | 6,804 |
| Net loans and leases to deposits | 31.7124% | 6,793 |
| Net loans and leases to core deposits | 33.3549% | 6,782 |
| Total domestic deposits to total assets | 82.9047% | 4,759 |
| Equity capital to assets | 16.8912% | 430 |
| Core capital (leverage) ratio | 18.5684% | 253 |
| Tier 1 risk-based capital ratio | 38.4080% | 269 |
| Total risk-based capital ratio | 39.2202% | 271 |
| Memoranda: | ||
| Average total assets | $8,453,200 | 7,078 |
| Average earning assets | $7,714,400 | 7,065 |
| Average equity | $1,654,200 | 7,007 |
| Average total loans | $3,217,600 | 7,033 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2119% | 6,792 |
| Cost of funding earning assets | 0.2345% | 6,867 |
| Net interest margin | 2.9773% | 6,213 |
| Noninterest income to average assets | 0.5914% | 3,336 |
| Noninterest expense to average assets | 2.7595% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5257% | 4,730 |
| Return on assets (ROA) | 0.5257% | 5,000 |
| Pretax return on assets | 0.5421% | 5,338 |
| Return on Equity (ROE) | 2.5798% | 5,854 |
| Retained earnings to average equity (ytd only) | 0.5641% | 5,925 |
| Net charge-offs to loans | 0.1187% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,126 |
| Efficiency ratio | 83.5821% | 1,637 |
| Assets per employee ($millions) | 4.0515% | 3,770 |
| Cash dividends to net income (ytd only)* | 78.1111% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,491 |
| 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 | 36.9369% | 6,489 |
| Net loans and leases to deposits | 46.6854% | 6,338 |
| Net loans and leases to core deposits | 49.7920% | 6,293 |
| Total domestic deposits to total assets | 79.1188% | 5,840 |
| Equity capital to assets | 20.3875% | 230 |
| Core capital (leverage) ratio | 20.4810% | 192 |
| Tier 1 risk-based capital ratio | 39.9227% | 246 |
| Total risk-based capital ratio | 40.7685% | 250 |
| Memoranda: | ||
| Average total assets | $8,117,000 | 7,175 |
| Average earning assets | $7,389,000 | 7,162 |
| Average equity | $1,654,000 | 7,098 |
| Average total loans | $3,369,250 | 7,125 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4454% | 6,676 |
| Cost of funding earning assets | 0.2461% | 6,927 |
| Net interest margin | 3.1993% | 5,744 |
| Noninterest income to average assets | 0.5910% | 3,311 |
| Noninterest expense to average assets | 2.8073% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6403% | 4,163 |
| Return on assets (ROA) | 0.6403% | 4,416 |
| Pretax return on assets | 0.6649% | 4,926 |
| Return on Equity (ROE) | 3.1426% | 5,632 |
| Retained earnings to average equity (ytd only) | 1.9339% | 5,230 |
| Net charge-offs to loans | 0.1723% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,216 |
| Efficiency ratio | 80.8511% | 2,056 |
| Assets per employee ($millions) | 3.8355% | 4,232 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 5,704 |
| 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 | 40.3337% | 6,318 |
| Net loans and leases to deposits | 51.7824% | 6,040 |
| Net loans and leases to core deposits | 55.4978% | 5,982 |
| Total domestic deposits to total assets | 77.8908% | 6,178 |
| Equity capital to assets | 21.6530% | 172 |
| Core capital (leverage) ratio | 21.2350% | 152 |
| Tier 1 risk-based capital ratio | 39.3229% | 241 |
| Total risk-based capital ratio | 40.1515% | 248 |
| Memoranda: | ||
| Average total assets | $8,121,670 | 7,237 |
| Average earning assets | $7,314,000 | 7,223 |
| Average equity | $1,654,670 | 7,154 |
| Average total loans | $3,483,000 | 7,185 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4542% | 6,749 |
| Cost of funding earning assets | 0.2126% | 7,085 |
| Net interest margin | 3.2417% | 5,659 |
| Noninterest income to average assets | 0.5751% | 3,381 |
| Noninterest expense to average assets | 2.8274% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6230% | 4,245 |
| Return on assets (ROA) | 0.6230% | 4,455 |
| Pretax return on assets | 0.6709% | 4,883 |
| Return on Equity (ROE) | 3.1487% | 5,658 |
| Retained earnings to average equity (ytd only) | 3.1487% | 4,677 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8219% | 2,103 |
| Assets per employee ($millions) | 4.0645% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 6,060 |
| 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 | 43.8184% | 6,031 |
| Net loans and leases to deposits | 55.3106% | 5,674 |
| Net loans and leases to core deposits | 58.9735% | 5,627 |
| Total domestic deposits to total assets | 79.2225% | 6,029 |
| Equity capital to assets | 20.3961% | 211 |
| Core capital (leverage) ratio | 20.4540% | 178 |
| Tier 1 risk-based capital ratio | 34.3841% | 353 |
| Total risk-based capital ratio | 35.1721% | 362 |
| Memoranda: | ||
| Average total assets | $8,347,000 | 7,299 |
| Average earning assets | $7,527,000 | 7,286 |
| Average equity | $1,651,500 | 7,210 |
| Average total loans | $3,660,000 | 7,243 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0943% | 7,151 |
| Cost of funding earning assets | 0.2686% | 7,153 |
| Net interest margin | 2.8257% | 6,791 |
| Noninterest income to average assets | 0.6227% | 3,048 |
| Noninterest expense to average assets | 2.5234% | 5,390 |
| Loan and lease loss provision to assets | 0.0109% | 6,398 |
| Net operating income to assets | 0.6991% | 3,494 |
| Return on assets (ROA) | 0.6991% | 3,681 |
| Pretax return on assets | 0.7319% | 4,218 |
| Return on Equity (ROE) | 3.8863% | 4,905 |
| Retained earnings to average equity (ytd only) | 0.6680% | 5,536 |
| Net charge-offs to loans | 0.0246% | 6,091 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 439 |
| Efficiency ratio | 77.2575% | 2,702 |
| Assets per employee ($millions) | 2.8550% | 6,366 |
| Cash dividends to net income (ytd only)* | 82.8125% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 6,109 |
| 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 | 42.9889% | 6,301 |
| Net loans and leases to deposits | 53.3855% | 6,119 |
| Net loans and leases to core deposits | 56.6723% | 6,110 |
| Total domestic deposits to total assets | 80.5254% | 5,586 |
| Equity capital to assets | 19.2061% | 274 |
| Core capital (leverage) ratio | 19.8312% | 209 |
| Tier 1 risk-based capital ratio | 33.6607% | 372 |
| Total risk-based capital ratio | 34.4383% | 383 |
| Memoranda: | ||
| Average total assets | $9,154,400 | 7,341 |
| Average earning assets | $8,564,200 | 7,324 |
| Average equity | $1,646,800 | 7,266 |
| Average total loans | $4,058,800 | 7,285 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1658% | 7,219 |
| Cost of funding earning assets | 0.2740% | 7,255 |
| Net interest margin | 2.8918% | 6,760 |
| Noninterest income to average assets | 0.6163% | 3,074 |
| Noninterest expense to average assets | 2.4655% | 5,573 |
| Loan and lease loss provision to assets | 0.0143% | 6,253 |
| Net operating income to assets | 0.8313% | 3,015 |
| Return on assets (ROA) | 0.8313% | 3,179 |
| Pretax return on assets | 0.8601% | 3,914 |
| Return on Equity (ROE) | 4.6945% | 4,666 |
| Retained earnings to average equity (ytd only) | 0.4049% | 5,829 |
| Net charge-offs to loans | 0.0321% | 5,701 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 61.1504% | 541 |
| Efficiency ratio | 73.8197% | 3,214 |
| Assets per employee ($millions) | 2.8530% | 6,396 |
| Cash dividends to net income (ytd only)* | 91.3746% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 5,196 |
| 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 | 34.8288% | 6,918 |
| Net loans and leases to deposits | 43.3663% | 6,863 |
| Net loans and leases to core deposits | 47.8876% | 6,764 |
| Total domestic deposits to total assets | 80.3131% | 5,645 |
| Equity capital to assets | 19.1494% | 308 |
| Core capital (leverage) ratio | 18.3580% | 298 |
| Tier 1 risk-based capital ratio | 37.1319% | 301 |
| Total risk-based capital ratio | 37.9928% | 300 |
| Memoranda: | ||
| Average total assets | $9,301,750 | 7,417 |
| Average earning assets | $8,760,250 | 7,400 |
| Average equity | $1,647,250 | 7,340 |
| Average total loans | $4,143,500 | 7,355 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3501% | 7,233 |
| Cost of funding earning assets | 0.2903% | 7,322 |
| Net interest margin | 3.0597% | 6,493 |
| Noninterest income to average assets | 0.5655% | 3,367 |
| Noninterest expense to average assets | 2.3248% | 6,056 |
| Loan and lease loss provision to assets | 0.0209% | 6,024 |
| Net operating income to assets | 1.0472% | 2,046 |
| Return on assets (ROA) | 1.0472% | 2,144 |
| Pretax return on assets | 1.0891% | 2,892 |
| Return on Equity (ROE) | 6.0606% | 3,933 |
| Retained earnings to average equity (ytd only) | 2.6667% | 4,593 |
| Net charge-offs to loans | 0.0443% | 5,236 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 598 |
| Efficiency ratio | 67.6829% | 4,576 |
| Assets per employee ($millions) | 2.8893% | 6,324 |
| Cash dividends to net income (ytd only)* | 56.0000% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 6,284 |
| 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 | 42.9165% | 6,530 |
| Net loans and leases to deposits | 53.3486% | 6,357 |
| Net loans and leases to core deposits | 63.7532% | 5,750 |
| Total domestic deposits to total assets | 80.4453% | 5,693 |
| Equity capital to assets | 19.1048% | 314 |
| Core capital (leverage) ratio | 17.8911% | 340 |
| Tier 1 risk-based capital ratio | 32.9290% | 423 |
| Total risk-based capital ratio | 33.6846% | 428 |
| Memoranda: | ||
| Average total assets | $9,549,330 | 7,489 |
| Average earning assets | $8,955,000 | 7,474 |
| Average equity | $1,650,000 | 7,405 |
| Average total loans | $4,518,330 | 7,425 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4835% | 7,217 |
| Cost of funding earning assets | 0.3010% | 7,388 |
| Net interest margin | 3.1825% | 6,122 |
| Noninterest income to average assets | 0.5205% | 3,725 |
| Noninterest expense to average assets | 2.3624% | 6,013 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0410% | 2,031 |
| Return on assets (ROA) | 1.0410% | 2,085 |
| Pretax return on assets | 1.1211% | 2,676 |
| Return on Equity (ROE) | 6.3145% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.3145% | 2,457 |
| Net charge-offs to loans | 0.0817% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 875 |
| Efficiency ratio | 67.8161% | 4,691 |
| Assets per employee ($millions) | 3.2003% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7328% | 7,033 |
| Loan loss allowance to noncurrent loans | 176.1905% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 6,623 |
| Noncurrent loans to loans | 0.4159% | 6,165 |
| Net loans and leases to total assets | 52.2029% | 5,550 |
| Net loans and leases to deposits | 63.3708% | 5,339 |
| Net loans and leases to core deposits | 78.6443% | 3,936 |
| Total domestic deposits to total assets | 82.3768% | 5,157 |
| Equity capital to assets | 17.2899% | 417 |
| Core capital (leverage) ratio | 16.5487% | 433 |
| Tier 1 risk-based capital ratio | 26.1912% | 769 |
| Total risk-based capital ratio | 26.7750% | 808 |
| Memoranda: | ||
| Average total assets | $9,990,000 | 7,546 |
| Average earning assets | $9,301,000 | 7,530 |
| Average equity | $1,647,000 | 7,458 |
| Average total loans | $4,898,500 | 7,474 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4089% | 7,414 |
| Cost of funding earning assets | 0.2994% | 7,504 |
| Net interest margin | 3.1095% | 6,498 |
| Noninterest income to average assets | 0.6949% | 2,866 |
| Noninterest expense to average assets | 2.7155% | 4,924 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8232% | 2,701 |
| Return on assets (ROA) | 0.8232% | 2,840 |
| Pretax return on assets | 0.8660% | 3,419 |
| Return on Equity (ROE) | 4.7072% | 4,199 |
| Retained earnings to average equity (ytd only) | 0.4279% | 5,362 |
| Net charge-offs to loans | -0.0705% | 7,477 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8209% | 3,078 |
| Assets per employee ($millions) | 3.4597% | 5,027 |
| Cash dividends to net income (ytd only)* | 90.9091% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 6,967 |
| Loan loss allowance to noncurrent loans | 165.2174% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 6,681 |
| Noncurrent loans to loans | 0.4844% | 6,070 |
| Net loans and leases to total assets | 45.3801% | 6,605 |
| Net loans and leases to deposits | 54.1815% | 6,596 |
| Net loans and leases to core deposits | 69.0818% | 5,542 |
| Total domestic deposits to total assets | 83.7557% | 4,477 |
| Equity capital to assets | 15.7433% | 631 |
| Core capital (leverage) ratio | 17.0974% | 394 |
| Tier 1 risk-based capital ratio | 25.9654% | 759 |
| Total risk-based capital ratio | 26.5692% | 797 |
| Memoranda: | ||
| Average total assets | $9,353,800 | 7,630 |
| Average earning assets | $8,683,200 | 7,614 |
| Average equity | $1,635,800 | 7,560 |
| Average total loans | $4,253,800 | 7,571 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4272% | 7,552 |
| Cost of funding earning assets | 0.3145% | 7,630 |
| Net interest margin | 3.1127% | 6,582 |
| Noninterest income to average assets | 0.7181% | 2,718 |
| Noninterest expense to average assets | 2.7406% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8500% | 2,810 |
| Return on assets (ROA) | 0.8500% | 2,941 |
| Pretax return on assets | 0.8794% | 3,626 |
| Return on Equity (ROE) | 4.7261% | 4,438 |
| Retained earnings to average equity (ytd only) | 1.0591% | 5,394 |
| Net charge-offs to loans | -0.0968% | 7,547 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7085% | 3,005 |
| Assets per employee ($millions) | 2.8837% | 6,413 |
| Cash dividends to net income (ytd only)* | 77.5896% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 6,989 |
| Loan loss allowance to noncurrent loans | 152.0000% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 6,644 |
| Noncurrent loans to loans | 0.5309% | 6,142 |
| Net loans and leases to total assets | 53.9938% | 5,851 |
| Net loans and leases to deposits | 67.3540% | 5,511 |
| Net loans and leases to core deposits | 79.8735% | 4,539 |
| Total domestic deposits to total assets | 80.1641% | 5,650 |
| Equity capital to assets | 18.9573% | 351 |
| Core capital (leverage) ratio | 19.5517% | 265 |
| Tier 1 risk-based capital ratio | 28.1981% | 617 |
| Total risk-based capital ratio | 28.8514% | 642 |
| Memoranda: | ||
| Average total assets | $9,097,500 | 7,734 |
| Average earning assets | $8,481,000 | 7,717 |
| Average equity | $1,636,250 | 7,659 |
| Average total loans | $4,130,250 | 7,674 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3049% | 7,658 |
| Cost of funding earning assets | 0.3258% | 7,702 |
| Net interest margin | 2.9791% | 6,873 |
| Noninterest income to average assets | 0.7354% | 2,480 |
| Noninterest expense to average assets | 2.6605% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8003% | 2,973 |
| Return on assets (ROA) | 0.8003% | 3,112 |
| Pretax return on assets | 0.8436% | 3,729 |
| Return on Equity (ROE) | 4.5260% | 4,525 |
| Retained earnings to average equity (ytd only) | 2.0795% | 4,818 |
| Net charge-offs to loans | -0.1524% | 7,612 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9259% | 3,089 |
| Assets per employee ($millions) | 2.9070% | 6,340 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 6,182 |
| Loan loss allowance to noncurrent loans | 152.0000% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 6,700 |
| Noncurrent loans to loans | 0.6900% | 5,868 |
| Net loans and leases to total assets | 41.1077% | 7,095 |
| Net loans and leases to deposits | 55.8064% | 6,743 |
| Net loans and leases to core deposits | 60.5063% | 6,674 |
| Total domestic deposits to total assets | 73.6613% | 7,018 |
| Equity capital to assets | 18.8510% | 352 |
| Core capital (leverage) ratio | 18.1197% | 348 |
| Tier 1 risk-based capital ratio | 33.5784% | 387 |
| Total risk-based capital ratio | 34.3546% | 392 |
| Memoranda: | ||
| Average total assets | $9,246,330 | 7,801 |
| Average earning assets | $8,593,330 | 7,782 |
| Average equity | $1,635,000 | 7,726 |
| Average total loans | $3,937,330 | 7,746 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4671% | 7,713 |
| Cost of funding earning assets | 0.3602% | 7,788 |
| Net interest margin | 3.1069% | 6,572 |
| Noninterest income to average assets | 0.7992% | 2,023 |
| Noninterest expense to average assets | 2.5239% | 5,637 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1358% | 1,728 |
| Return on assets (ROA) | 1.1358% | 1,800 |
| Pretax return on assets | 1.1778% | 2,444 |
| Return on Equity (ROE) | 6.6237% | 3,555 |
| Retained earnings to average equity (ytd only) | 1.7173% | 5,082 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1818% | 4,690 |
| Assets per employee ($millions) | 3.2807% | 5,581 |
| Cash dividends to net income (ytd only)* | 74.0741% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 7,083 |
| Loan loss allowance to noncurrent loans | 116.6667% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 6,715 |
| Noncurrent loans to loans | 0.7013% | 5,929 |
| Net loans and leases to total assets | 43.1112% | 7,055 |
| Net loans and leases to deposits | 52.0613% | 7,037 |
| Net loans and leases to core deposits | 58.1871% | 6,867 |
| Total domestic deposits to total assets | 82.8084% | 4,712 |
| Equity capital to assets | 16.6023% | 585 |
| Core capital (leverage) ratio | 16.9484% | 462 |
| Tier 1 risk-based capital ratio | 28.5365% | 600 |
| Total risk-based capital ratio | 29.1477% | 632 |
| Memoranda: | ||
| Average total assets | $9,509,000 | 7,898 |
| Average earning assets | $8,883,500 | 7,881 |
| Average equity | $1,630,500 | 7,813 |
| Average total loans | $4,094,500 | 7,843 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 7,723 |
| Cost of funding earning assets | 0.2343% | 7,928 |
| Net interest margin | 3.6942% | 4,169 |
| Noninterest income to average assets | 1.0053% | 1,554 |
| Noninterest expense to average assets | 3.0284% | 4,033 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2943% | 1,046 |
| Return on assets (ROA) | 1.2943% | 1,095 |
| Pretax return on assets | 1.3446% | 1,575 |
| Return on Equity (ROE) | 6.2997% | 3,079 |
| Retained earnings to average equity (ytd only) | 0.4281% | 4,669 |
| Net charge-offs to loans | 0.0797% | 6,313 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 35.6667% | 661 |
| Efficiency ratio | 69.2529% | 4,776 |
| Assets per employee ($millions) | 3.0587% | 6,072 |
| Cash dividends to net income (ytd only)* | 93.2039% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 6,835 |
| Loan loss allowance to noncurrent loans | 94.5946% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 6,445 |
| Noncurrent loans to loans | 0.9460% | 5,421 |
| Net loans and leases to total assets | 42.2406% | 7,238 |
| Net loans and leases to deposits | 51.6800% | 7,165 |
| Net loans and leases to core deposits | 59.3568% | 7,289 |
| Total domestic deposits to total assets | 81.7350% | 5,055 |
| Equity capital to assets | 17.7310% | 472 |
| Core capital (leverage) ratio | 21.0861% | 232 |
| Tier 1 risk-based capital ratio | 30.8729% | 482 |
| Total risk-based capital ratio | 31.5370% | 495 |
| Memoranda: | ||
| Average total assets | $7,958,000 | 7,992 |
| Average earning assets | $7,254,600 | 7,980 |
| Average equity | $1,635,000 | 7,901 |
| Average total loans | $3,763,400 | 7,927 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 7,743 |
| Cost of funding earning assets | 0.2482% | 8,020 |
| Net interest margin | 3.9149% | 3,180 |
| Noninterest income to average assets | 1.0975% | 1,322 |
| Noninterest expense to average assets | 3.1357% | 3,517 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4981% | 814 |
| Return on assets (ROA) | 1.4981% | 874 |
| Pretax return on assets | 1.5330% | 1,321 |
| Return on Equity (ROE) | 7.0043% | 3,068 |
| Retained earnings to average equity (ytd only) | 0.8143% | 4,840 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1642% | 5,150 |
| Assets per employee ($millions) | 2.4357% | 7,328 |
| Cash dividends to net income (ytd only)* | 88.3743% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 6,306 |
| Loan loss allowance to noncurrent loans | 105.5556% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 6,232 |
| Noncurrent loans to loans | 0.9456% | 5,408 |
| Net loans and leases to total assets | 51.5807% | 6,644 |
| Net loans and leases to deposits | 67.1836% | 6,195 |
| Net loans and leases to core deposits | 71.0998% | 6,907 |
| Total domestic deposits to total assets | 76.7757% | 6,401 |
| Equity capital to assets | 22.3074% | 238 |
| Core capital (leverage) ratio | 21.7073% | 240 |
| Tier 1 risk-based capital ratio | 34.3013% | 400 |
| Total risk-based capital ratio | 35.1010% | 400 |
| Memoranda: | ||
| Average total assets | $7,653,500 | 8,079 |
| Average earning assets | $6,981,750 | 8,067 |
| Average equity | $1,637,000 | 7,986 |
| Average total loans | $3,726,500 | 8,006 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 7,701 |
| Cost of funding earning assets | 0.2278% | 8,122 |
| Net interest margin | 4.1862% | 2,041 |
| Noninterest income to average assets | 1.1327% | 1,225 |
| Noninterest expense to average assets | 3.1664% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6991% | 568 |
| Return on assets (ROA) | 1.6991% | 620 |
| Pretax return on assets | 1.7505% | 928 |
| Return on Equity (ROE) | 8.0521% | 2,751 |
| Retained earnings to average equity (ytd only) | 5.6120% | 2,195 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3979% | 5,828 |
| Assets per employee ($millions) | 2.7457% | 6,747 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 4,668 |
| Loan loss allowance to noncurrent loans | 152.0000% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 6,712 |
| Noncurrent loans to loans | 0.8162% | 5,593 |
| Net loans and leases to total assets | 36.7245% | 7,678 |
| Net loans and leases to deposits | 46.4741% | 7,617 |
| Net loans and leases to core deposits | 48.7903% | 7,783 |
| Total domestic deposits to total assets | 79.0215% | 5,807 |
| Equity capital to assets | 20.2258% | 363 |
| Core capital (leverage) ratio | 22.3474% | 266 |
| Tier 1 risk-based capital ratio | 38.5202% | 338 |
| Total risk-based capital ratio | 39.3988% | 338 |
| Memoranda: | ||
| Average total assets | $7,769,000 | 8,174 |
| Average earning assets | $7,023,000 | 8,162 |
| Average equity | $1,639,330 | 8,066 |
| Average total loans | $3,699,670 | 8,097 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5605% | 7,657 |
| Cost of funding earning assets | 0.2252% | 8,174 |
| Net interest margin | 4.3353% | 1,502 |
| Noninterest income to average assets | 1.0617% | 1,317 |
| Noninterest expense to average assets | 3.3444% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6987% | 647 |
| Return on assets (ROA) | 1.6987% | 712 |
| Pretax return on assets | 1.8049% | 969 |
| Return on Equity (ROE) | 7.8721% | 3,208 |
| Retained earnings to average equity (ytd only) | 2.9520% | 4,232 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9485% | 5,514 |
| Assets per employee ($millions) | 2.5533% | 7,178 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 6,852 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 6,498 |
| Noncurrent loans to loans | 0.5984% | 5,897 |
| Net loans and leases to total assets | 56.2272% | 6,207 |
| Net loans and leases to deposits | 72.0475% | 5,742 |
| Net loans and leases to core deposits | 73.3731% | 6,843 |
| Total domestic deposits to total assets | 78.0418% | 6,001 |
| Equity capital to assets | 21.3055% | 344 |
| Core capital (leverage) ratio | 21.8767% | 309 |
| Tier 1 risk-based capital ratio | 32.1323% | 525 |
| Total risk-based capital ratio | 32.8805% | 539 |
| Memoranda: | ||
| Average total assets | $7,535,000 | 8,228 |
| Average earning assets | $7,104,500 | 8,209 |
| Average equity | $1,626,000 | 8,125 |
| Average total loans | $4,018,000 | 8,137 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3684% | 7,507 |
| Cost of funding earning assets | 0.3627% | 8,210 |
| Net interest margin | 5.0057% | 500 |
| Noninterest income to average assets | 1.1215% | 1,240 |
| Noninterest expense to average assets | 4.0320% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6288% | 793 |
| Return on assets (ROA) | 1.6288% | 752 |
| Pretax return on assets | 1.6956% | 1,153 |
| Return on Equity (ROE) | 7.5049% | 3,281 |
| Retained earnings to average equity (ytd only) | 0.6152% | 4,873 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3963% | 4,271 |
| Assets per employee ($millions) | 2.4700% | 7,259 |
| Cash dividends to net income (ytd only)* | 91.8033% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 5,778 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 6,189 |
| Noncurrent loans to loans | 0.7044% | 5,273 |
| Net loans and leases to total assets | 49.2982% | 7,087 |
| Net loans and leases to deposits | 63.5083% | 6,843 |
| Net loans and leases to core deposits | 64.7236% | 7,416 |
| Total domestic deposits to total assets | 77.6248% | 5,830 |
| Equity capital to assets | 21.8623% | 357 |
| Core capital (leverage) ratio | 21.5598% | 350 |
| Tier 1 risk-based capital ratio | 35.6436% | 428 |
| Total risk-based capital ratio | 36.4796% | 430 |
| Memoranda: | ||
| Average total assets | $7,490,000 | 8,277 |
| Average earning assets | $6,892,200 | 8,266 |
| Average equity | $1,625,600 | 8,193 |
| Average total loans | $3,570,000 | 8,206 |