Home > The First National Bank of Throckmorton > Performance and Condition Ratios
The First National Bank of Throckmorton, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5772% | 6,127 |
| Cost of funding earning assets | 0.1353% | 5,948 |
| Net interest margin | 2.4418% | 6,012 |
| Noninterest income to average assets | 0.2385% | 5,252 |
| Noninterest expense to average assets | 2.1197% | 5,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4662% | 4,910 |
| Return on assets (ROA) | 0.4662% | 5,006 |
| Pretax return on assets | 0.4662% | 5,314 |
| Return on Equity (ROE) | 6.0133% | 4,123 |
| Retained earnings to average equity (ytd only) | 6.0133% | 2,237 |
| Net charge-offs to loans | -0.0244% | 5,236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9706% | 1,491 |
| Assets per employee ($millions) | 6.4802% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 5,126 |
| Loan loss allowance to noncurrent loans | 67.2986% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6687% | 3,397 |
| Noncurrent loans to loans | 1.4003% | 1,925 |
| Net loans and leases to total assets | 38.3889% | 5,719 |
| Net loans and leases to deposits | 41.6671% | 5,852 |
| Net loans and leases to core deposits | 43.0504% | 5,863 |
| Total domestic deposits to total assets | 92.1324% | 114 |
| Equity capital to assets | 7.4484% | 6,124 |
| Core capital (leverage) ratio | 7.5784% | 6,078 |
| Tier 1 risk-based capital ratio | 16.7194% | 2,516 |
| Total risk-based capital ratio | 17.5361% | 2,675 |
| Memoranda: | ||
| Average total assets | $36,891,670 | 5,973 |
| Average earning assets | $35,465,330 | 5,919 |
| Average equity | $2,860,330 | 6,166 |
| Average total loans | $16,411,330 | 5,987 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6447% | 6,156 |
| Cost of funding earning assets | 0.1386% | 6,006 |
| Net interest margin | 2.5061% | 6,006 |
| Noninterest income to average assets | 0.2674% | 5,038 |
| Noninterest expense to average assets | 2.1729% | 5,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5126% | 4,615 |
| Return on assets (ROA) | 0.5126% | 4,738 |
| Pretax return on assets | 0.5126% | 5,147 |
| Return on Equity (ROE) | 6.4732% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.4732% | 2,247 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9129% | 1,768 |
| Assets per employee ($millions) | 5.8928% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 5,655 |
| Loan loss allowance to noncurrent loans | 46.9799% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8428% | 2,976 |
| Noncurrent loans to loans | 1.7367% | 1,571 |
| Net loans and leases to total assets | 48.1347% | 5,018 |
| Net loans and leases to deposits | 52.5100% | 5,304 |
| Net loans and leases to core deposits | 54.4434% | 5,346 |
| Total domestic deposits to total assets | 91.6678% | 199 |
| Equity capital to assets | 8.1002% | 5,987 |
| Core capital (leverage) ratio | 8.0388% | 5,916 |
| Tier 1 risk-based capital ratio | 15.1472% | 3,355 |
| Total risk-based capital ratio | 15.8871% | 3,558 |
| Memoranda: | ||
| Average total assets | $35,897,000 | 6,055 |
| Average earning assets | $34,635,000 | 5,999 |
| Average equity | $2,842,500 | 6,229 |
| Average total loans | $17,083,000 | 6,011 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6592% | 6,278 |
| Cost of funding earning assets | 0.1448% | 6,127 |
| Net interest margin | 2.5144% | 6,140 |
| Noninterest income to average assets | 0.2801% | 5,113 |
| Noninterest expense to average assets | 2.4129% | 4,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3253% | 5,452 |
| Return on assets (ROA) | 0.3253% | 5,523 |
| Pretax return on assets | 0.3253% | 5,655 |
| Return on Equity (ROE) | 3.9006% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.9006% | 3,438 |
| Net charge-offs to loans | 0.0182% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,177 |
| Efficiency ratio | 88.1188% | 990 |
| Assets per employee ($millions) | 6.0728% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 5,710 |
| Loan loss allowance to noncurrent loans | 60.3448% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 3,668 |
| Noncurrent loans to loans | 1.3641% | 2,153 |
| Net loans and leases to total assets | 46.2909% | 5,302 |
| Net loans and leases to deposits | 50.2203% | 5,572 |
| Net loans and leases to core deposits | 52.0025% | 5,613 |
| Total domestic deposits to total assets | 92.1755% | 130 |
| Equity capital to assets | 7.7421% | 6,160 |
| Core capital (leverage) ratio | 7.8053% | 6,095 |
| Tier 1 risk-based capital ratio | 16.0330% | 2,946 |
| Total risk-based capital ratio | 16.8286% | 3,120 |
| Memoranda: | ||
| Average total assets | $33,197,200 | 6,193 |
| Average earning assets | $32,453,600 | 6,132 |
| Average equity | $2,768,800 | 6,312 |
| Average total loans | $16,464,600 | 6,106 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6860% | 6,337 |
| Cost of funding earning assets | 0.1392% | 6,247 |
| Net interest margin | 2.5468% | 6,186 |
| Noninterest income to average assets | 0.3046% | 5,007 |
| Noninterest expense to average assets | 2.4577% | 4,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3335% | 5,481 |
| Return on assets (ROA) | 0.3335% | 5,549 |
| Pretax return on assets | 0.3335% | 5,708 |
| Return on Equity (ROE) | 3.9191% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.9191% | 3,857 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0531% | 995 |
| Assets per employee ($millions) | 6.4640% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 5,655 |
| Loan loss allowance to noncurrent loans | 110.8527% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 4,721 |
| Noncurrent loans to loans | 0.7953% | 3,596 |
| Net loans and leases to total assets | 49.7432% | 5,038 |
| Net loans and leases to deposits | 54.6707% | 5,332 |
| Net loans and leases to core deposits | 56.3967% | 5,426 |
| Total domestic deposits to total assets | 90.9870% | 364 |
| Equity capital to assets | 8.6417% | 5,685 |
| Core capital (leverage) ratio | 8.8093% | 5,327 |
| Tier 1 risk-based capital ratio | 14.9984% | 3,591 |
| Total risk-based capital ratio | 15.7663% | 3,813 |
| Memoranda: | ||
| Average total assets | $32,387,250 | 6,281 |
| Average earning assets | $31,620,000 | 6,225 |
| Average equity | $2,755,750 | 6,382 |
| Average total loans | $16,329,000 | 6,174 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7262% | 6,381 |
| Cost of funding earning assets | 0.1455% | 6,293 |
| Net interest margin | 2.5808% | 6,195 |
| Noninterest income to average assets | 0.2654% | 5,305 |
| Noninterest expense to average assets | 2.4437% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3394% | 5,434 |
| Return on assets (ROA) | 0.3394% | 5,505 |
| Pretax return on assets | 0.3394% | 5,698 |
| Return on Equity (ROE) | 4.0097% | 5,145 |
| Retained earnings to average equity (ytd only) | 4.0097% | 3,629 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8049% | 1,103 |
| Assets per employee ($millions) | 5.2732% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 5,244 |
| Loan loss allowance to noncurrent loans | 172.2892% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 4,691 |
| Noncurrent loans to loans | 0.5949% | 4,240 |
| Net loans and leases to total assets | 43.6423% | 5,558 |
| Net loans and leases to deposits | 48.1048% | 5,767 |
| Net loans and leases to core deposits | 48.1048% | 5,900 |
| Total domestic deposits to total assets | 90.7235% | 498 |
| Equity capital to assets | 8.7424% | 5,582 |
| Core capital (leverage) ratio | 8.6873% | 5,420 |
| Tier 1 risk-based capital ratio | 16.8422% | 2,690 |
| Total risk-based capital ratio | 17.7126% | 2,811 |
| Memoranda: | ||
| Average total assets | $32,409,670 | 6,341 |
| Average earning assets | $31,618,670 | 6,282 |
| Average equity | $2,743,330 | 6,440 |
| Average total loans | $16,365,330 | 6,222 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7937% | 6,406 |
| Cost of funding earning assets | 0.1372% | 6,416 |
| Net interest margin | 2.6565% | 6,170 |
| Noninterest income to average assets | 0.2683% | 5,221 |
| Noninterest expense to average assets | 2.3662% | 5,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5001% | 4,689 |
| Return on assets (ROA) | 0.5001% | 4,771 |
| Pretax return on assets | 0.5001% | 5,168 |
| Return on Equity (ROE) | 6.0029% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.0029% | 2,542 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5532% | 1,858 |
| Assets per employee ($millions) | 5.2375% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 6,053 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 5,102 |
| Noncurrent loans to loans | 0.3165% | 5,155 |
| Net loans and leases to total assets | 54.8449% | 4,298 |
| Net loans and leases to deposits | 60.2939% | 4,733 |
| Net loans and leases to core deposits | 60.2939% | 5,012 |
| Total domestic deposits to total assets | 90.9626% | 584 |
| Equity capital to assets | 8.7574% | 5,382 |
| Core capital (leverage) ratio | 8.3843% | 5,761 |
| Tier 1 risk-based capital ratio | 14.5515% | 3,980 |
| Total risk-based capital ratio | 15.3074% | 4,230 |
| Memoranda: | ||
| Average total assets | $32,795,000 | 6,399 |
| Average earning assets | $32,072,000 | 6,336 |
| Average equity | $2,732,000 | 6,501 |
| Average total loans | $17,572,500 | 6,234 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5468% | 6,602 |
| Cost of funding earning assets | 0.1483% | 6,545 |
| Net interest margin | 2.3985% | 6,446 |
| Noninterest income to average assets | 0.4244% | 4,272 |
| Noninterest expense to average assets | 2.4617% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3018% | 5,514 |
| Return on assets (ROA) | 0.3018% | 5,612 |
| Pretax return on assets | 0.3018% | 5,728 |
| Return on Equity (ROE) | 3.5258% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.5258% | 3,717 |
| Net charge-offs to loans | 0.1364% | 3,437 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.3636% | 3,590 |
| Efficiency ratio | 89.0785% | 1,101 |
| Assets per employee ($millions) | 5.6942% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 6,166 |
| Loan loss allowance to noncurrent loans | 550.0000% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 5,561 |
| Noncurrent loans to loans | 0.1463% | 5,758 |
| Net loans and leases to total assets | 51.5850% | 4,910 |
| Net loans and leases to deposits | 56.0702% | 5,297 |
| Net loans and leases to core deposits | 56.0702% | 5,530 |
| Total domestic deposits to total assets | 92.0006% | 283 |
| Equity capital to assets | 7.9379% | 6,065 |
| Core capital (leverage) ratio | 8.1362% | 6,025 |
| Tier 1 risk-based capital ratio | 13.9135% | 4,353 |
| Total risk-based capital ratio | 14.6469% | 4,670 |
| Memoranda: | ||
| Average total assets | $31,807,800 | 6,486 |
| Average earning assets | $31,019,400 | 6,423 |
| Average equity | $2,722,800 | 6,587 |
| Average total loans | $16,133,400 | 6,364 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5706% | 6,671 |
| Cost of funding earning assets | 0.1536% | 6,625 |
| Net interest margin | 2.4171% | 6,501 |
| Noninterest income to average assets | 0.4954% | 3,846 |
| Noninterest expense to average assets | 2.0842% | 5,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7645% | 3,532 |
| Return on assets (ROA) | 0.7645% | 3,662 |
| Pretax return on assets | 0.7645% | 4,441 |
| Return on Equity (ROE) | 8.7566% | 2,761 |
| Retained earnings to average equity (ytd only) | 8.7566% | 1,135 |
| Net charge-offs to loans | 0.1696% | 2,860 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 8.9486% | 2,552 |
| Efficiency ratio | 73.1634% | 3,196 |
| Assets per employee ($millions) | 4.9593% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 6,226 |
| Loan loss allowance to noncurrent loans | 1,208.3333% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 5,761 |
| Noncurrent loans to loans | 0.0683% | 6,134 |
| Net loans and leases to total assets | 58.5764% | 3,911 |
| Net loans and leases to deposits | 64.7594% | 4,436 |
| Net loans and leases to core deposits | 64.7594% | 4,819 |
| Total domestic deposits to total assets | 90.4523% | 764 |
| Equity capital to assets | 9.3897% | 4,689 |
| Core capital (leverage) ratio | 9.3247% | 4,661 |
| Tier 1 risk-based capital ratio | 14.1570% | 4,318 |
| Total risk-based capital ratio | 14.8911% | 4,621 |
| Memoranda: | ||
| Average total assets | $31,218,500 | 6,569 |
| Average earning assets | $30,393,500 | 6,509 |
| Average equity | $2,725,500 | 6,660 |
| Average total loans | $15,725,000 | 6,448 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5179% | 6,727 |
| Cost of funding earning assets | 0.1553% | 6,691 |
| Net interest margin | 2.3626% | 6,583 |
| Noninterest income to average assets | 0.6056% | 3,154 |
| Noninterest expense to average assets | 1.9492% | 6,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9588% | 2,518 |
| Return on assets (ROA) | 0.9588% | 2,670 |
| Pretax return on assets | 0.9588% | 3,685 |
| Return on Equity (ROE) | 11.2481% | 1,732 |
| Retained earnings to average equity (ytd only) | 11.2481% | 603 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0282% | 4,357 |
| Assets per employee ($millions) | 5.2268% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 5,490 |
| Loan loss allowance to noncurrent loans | 229.1667% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 5,794 |
| Noncurrent loans to loans | 0.4749% | 5,072 |
| Net loans and leases to total assets | 47.8174% | 5,348 |
| Net loans and leases to deposits | 52.5107% | 5,643 |
| Net loans and leases to core deposits | 52.5107% | 5,852 |
| Total domestic deposits to total assets | 91.0621% | 525 |
| Equity capital to assets | 8.8231% | 5,418 |
| Core capital (leverage) ratio | 8.5352% | 5,627 |
| Tier 1 risk-based capital ratio | 16.4910% | 2,943 |
| Total risk-based capital ratio | 17.4736% | 3,022 |
| Memoranda: | ||
| Average total assets | $31,706,000 | 6,611 |
| Average earning assets | $30,898,330 | 6,539 |
| Average equity | $2,702,670 | 6,716 |
| Average total loans | $15,108,330 | 6,517 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4672% | 6,825 |
| Cost of funding earning assets | 0.1670% | 6,743 |
| Net interest margin | 2.3001% | 6,684 |
| Noninterest income to average assets | 0.9536% | 1,600 |
| Noninterest expense to average assets | 1.8320% | 6,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3677% | 1,107 |
| Return on assets (ROA) | 1.3677% | 1,195 |
| Pretax return on assets | 1.3677% | 1,981 |
| Return on Equity (ROE) | 16.3265% | 572 |
| Retained earnings to average equity (ytd only) | 16.3265% | 257 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2549% | 5,930 |
| Assets per employee ($millions) | 5.2542% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 5,608 |
| Loan loss allowance to noncurrent loans | 222.9730% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 5,866 |
| Noncurrent loans to loans | 0.4932% | 5,195 |
| Net loans and leases to total assets | 47.0706% | 5,327 |
| Net loans and leases to deposits | 51.5816% | 5,660 |
| Net loans and leases to core deposits | 51.5816% | 5,855 |
| Total domestic deposits to total assets | 91.2546% | 425 |
| Equity capital to assets | 8.6408% | 5,869 |
| Core capital (leverage) ratio | 8.6034% | 5,444 |
| Tier 1 risk-based capital ratio | 16.5825% | 2,961 |
| Total risk-based capital ratio | 17.5862% | 3,043 |
| Memoranda: | ||
| Average total assets | $31,878,500 | 6,671 |
| Average earning assets | $31,129,000 | 6,594 |
| Average equity | $2,670,500 | 6,787 |
| Average total loans | $15,082,000 | 6,576 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7282% | 6,871 |
| Cost of funding earning assets | 0.1791% | 6,874 |
| Net interest margin | 2.5491% | 6,679 |
| Noninterest income to average assets | 0.3086% | 5,245 |
| Noninterest expense to average assets | 2.3715% | 5,487 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4193% | 5,011 |
| Return on assets (ROA) | 0.4193% | 5,276 |
| Pretax return on assets | 0.4193% | 5,526 |
| Return on Equity (ROE) | 4.7630% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.7630% | 2,874 |
| Net charge-offs to loans | -0.1381% | 6,890 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9760% | 1,515 |
| Assets per employee ($millions) | 5.3720% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 5,599 |
| Loan loss allowance to noncurrent loans | 2,357.1429% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 6,611 |
| Noncurrent loans to loans | 0.0462% | 6,389 |
| Net loans and leases to total assets | 46.5221% | 5,567 |
| Net loans and leases to deposits | 50.6725% | 5,908 |
| Net loans and leases to core deposits | 50.6725% | 6,111 |
| Total domestic deposits to total assets | 91.8094% | 281 |
| Equity capital to assets | 8.1193% | 6,342 |
| Core capital (leverage) ratio | 8.3616% | 5,809 |
| Tier 1 risk-based capital ratio | 16.2476% | 3,028 |
| Total risk-based capital ratio | 17.2720% | 3,101 |
| Memoranda: | ||
| Average total assets | $29,812,000 | 6,758 |
| Average earning assets | $29,030,000 | 6,690 |
| Average equity | $2,624,400 | 6,858 |
| Average total loans | $15,210,800 | 6,647 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8337% | 6,962 |
| Cost of funding earning assets | 0.1877% | 6,970 |
| Net interest margin | 2.6460% | 6,705 |
| Noninterest income to average assets | 0.3241% | 5,190 |
| Noninterest expense to average assets | 1.7164% | 6,775 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1823% | 1,800 |
| Return on assets (ROA) | 1.1823% | 1,984 |
| Pretax return on assets | 1.1823% | 3,052 |
| Return on Equity (ROE) | 13.1488% | 1,301 |
| Retained earnings to average equity (ytd only) | 13.1488% | 379 |
| Net charge-offs to loans | -0.0526% | 6,723 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2126% | 5,626 |
| Assets per employee ($millions) | 5.2293% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 5,931 |
| Loan loss allowance to noncurrent loans | 500.0000% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 6,495 |
| Noncurrent loans to loans | 0.2083% | 6,085 |
| Net loans and leases to total assets | 45.4233% | 5,827 |
| Net loans and leases to deposits | 49.8688% | 6,117 |
| Net loans and leases to core deposits | 49.8688% | 6,291 |
| Total domestic deposits to total assets | 91.0855% | 394 |
| Equity capital to assets | 8.7678% | 6,047 |
| Core capital (leverage) ratio | 9.1051% | 4,908 |
| Tier 1 risk-based capital ratio | 18.0252% | 2,331 |
| Total risk-based capital ratio | 19.0080% | 2,412 |
| Memoranda: | ||
| Average total assets | $29,207,000 | 6,861 |
| Average earning assets | $28,419,500 | 6,790 |
| Average equity | $2,626,250 | 6,941 |
| Average total loans | $15,223,500 | 6,734 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9267% | 7,003 |
| Cost of funding earning assets | 0.2023% | 7,028 |
| Net interest margin | 2.7244% | 6,679 |
| Noninterest income to average assets | 0.3581% | 4,969 |
| Noninterest expense to average assets | 1.7413% | 6,808 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2639% | 1,532 |
| Return on assets (ROA) | 1.2639% | 1,700 |
| Pretax return on assets | 1.2639% | 2,674 |
| Return on Equity (ROE) | 13.9283% | 1,142 |
| Retained earnings to average equity (ytd only) | 13.9283% | 353 |
| Net charge-offs to loans | -0.0774% | 6,793 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9439% | 5,882 |
| Assets per employee ($millions) | 5.0553% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 6,353 |
| Loan loss allowance to noncurrent loans | 454.5455% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 6,523 |
| Noncurrent loans to loans | 0.2068% | 6,167 |
| Net loans and leases to total assets | 52.1166% | 5,081 |
| Net loans and leases to deposits | 57.2463% | 5,531 |
| Net loans and leases to core deposits | 57.2463% | 5,837 |
| Total domestic deposits to total assets | 91.0392% | 435 |
| Equity capital to assets | 8.8092% | 5,903 |
| Core capital (leverage) ratio | 9.5384% | 4,092 |
| Tier 1 risk-based capital ratio | 15.8275% | 3,263 |
| Total risk-based capital ratio | 16.7160% | 3,431 |
| Memoranda: | ||
| Average total assets | $28,484,000 | 6,935 |
| Average earning assets | $27,676,000 | 6,860 |
| Average equity | $2,584,670 | 6,996 |
| Average total loans | $15,497,330 | 6,768 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0240% | 7,034 |
| Cost of funding earning assets | 0.2096% | 7,090 |
| Net interest margin | 2.8144% | 6,613 |
| Noninterest income to average assets | 0.4354% | 4,408 |
| Noninterest expense to average assets | 1.7562% | 6,847 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4078% | 1,213 |
| Return on assets (ROA) | 1.4078% | 1,359 |
| Pretax return on assets | 1.4078% | 2,176 |
| Return on Equity (ROE) | 15.2696% | 927 |
| Retained earnings to average equity (ytd only) | 15.2696% | 430 |
| Net charge-offs to loans | -0.1310% | 6,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5046% | 6,182 |
| Assets per employee ($millions) | 4.5155% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 6,351 |
| Loan loss allowance to noncurrent loans | 425.7143% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 6,569 |
| Noncurrent loans to loans | 0.2282% | 6,234 |
| Net loans and leases to total assets | 56.0625% | 4,371 |
| Net loans and leases to deposits | 62.1049% | 4,901 |
| Net loans and leases to core deposits | 62.1049% | 5,311 |
| Total domestic deposits to total assets | 90.2705% | 934 |
| Equity capital to assets | 9.5597% | 4,710 |
| Core capital (leverage) ratio | 9.6279% | 3,877 |
| Tier 1 risk-based capital ratio | 15.9591% | 3,196 |
| Total risk-based capital ratio | 16.8772% | 3,346 |
| Memoranda: | ||
| Average total assets | $27,560,000 | 7,015 |
| Average earning assets | $26,719,500 | 6,939 |
| Average equity | $2,541,000 | 7,055 |
| Average total loans | $15,267,000 | 6,839 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1697% | 7,135 |
| Cost of funding earning assets | 0.3641% | 6,978 |
| Net interest margin | 2.8056% | 6,816 |
| Noninterest income to average assets | 0.3605% | 4,934 |
| Noninterest expense to average assets | 2.4862% | 5,516 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5946% | 4,027 |
| Return on assets (ROA) | 0.5946% | 4,205 |
| Pretax return on assets | 0.5946% | 4,712 |
| Return on Equity (ROE) | 6.1676% | 3,785 |
| Retained earnings to average equity (ytd only) | -2.3129% | 6,193 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6996% | 2,203 |
| Assets per employee ($millions) | 4.6712% | 2,649 |
| Cash dividends to net income (ytd only)* | 137.5000% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 6,409 |
| Loan loss allowance to noncurrent loans | 378.9474% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 6,616 |
| Noncurrent loans to loans | 0.2501% | 6,234 |
| Net loans and leases to total assets | 53.7054% | 5,082 |
| Net loans and leases to deposits | 59.0275% | 5,597 |
| Net loans and leases to core deposits | 59.0275% | 5,931 |
| Total domestic deposits to total assets | 90.9837% | 513 |
| Equity capital to assets | 8.8914% | 5,683 |
| Core capital (leverage) ratio | 9.1611% | 4,527 |
| Tier 1 risk-based capital ratio | 15.5935% | 3,272 |
| Total risk-based capital ratio | 16.4946% | 3,444 |
| Memoranda: | ||
| Average total assets | $26,908,000 | 7,054 |
| Average earning assets | $26,090,800 | 6,985 |
| Average equity | $2,594,200 | 7,096 |
| Average total loans | $15,993,400 | 6,848 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2893% | 7,181 |
| Cost of funding earning assets | 0.4028% | 7,013 |
| Net interest margin | 2.8865% | 6,771 |
| Noninterest income to average assets | 0.3705% | 4,906 |
| Noninterest expense to average assets | 1.9828% | 6,724 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1867% | 1,687 |
| Return on assets (ROA) | 1.1867% | 1,805 |
| Pretax return on assets | 1.1867% | 2,676 |
| Return on Equity (ROE) | 12.0618% | 1,536 |
| Retained earnings to average equity (ytd only) | 0.8653% | 5,663 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5592% | 5,319 |
| Assets per employee ($millions) | 4.3305% | 3,216 |
| Cash dividends to net income (ytd only)* | 92.8289% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 6,500 |
| Loan loss allowance to noncurrent loans | 1,309.0909% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 6,945 |
| Noncurrent loans to loans | 0.0714% | 6,751 |
| Net loans and leases to total assets | 58.7615% | 4,362 |
| Net loans and leases to deposits | 65.3932% | 4,991 |
| Net loans and leases to core deposits | 65.3932% | 5,486 |
| Total domestic deposits to total assets | 89.8588% | 944 |
| Equity capital to assets | 9.8872% | 4,496 |
| Core capital (leverage) ratio | 10.1904% | 3,200 |
| Tier 1 risk-based capital ratio | 15.8845% | 3,173 |
| Total risk-based capital ratio | 16.7749% | 3,334 |
| Memoranda: | ||
| Average total assets | $26,628,250 | 7,130 |
| Average earning assets | $25,820,500 | 7,062 |
| Average equity | $2,619,750 | 7,157 |
| Average total loans | $16,192,750 | 6,905 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3526% | 7,231 |
| Cost of funding earning assets | 0.4306% | 7,059 |
| Net interest margin | 2.9220% | 6,751 |
| Noninterest income to average assets | 0.3874% | 4,777 |
| Noninterest expense to average assets | 1.9670% | 6,854 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2517% | 1,438 |
| Return on assets (ROA) | 1.2517% | 1,512 |
| Pretax return on assets | 1.2517% | 2,301 |
| Return on Equity (ROE) | 12.7433% | 1,263 |
| Retained earnings to average equity (ytd only) | 12.5158% | 455 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1111% | 5,712 |
| Assets per employee ($millions) | 4.2865% | 3,186 |
| Cash dividends to net income (ytd only)* | 1.7857% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9024% | 6,646 |
| Loan loss allowance to noncurrent loans | 1,309.0909% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 6,988 |
| Noncurrent loans to loans | 0.0689% | 6,810 |
| Net loans and leases to total assets | 61.4876% | 3,989 |
| Net loans and leases to deposits | 68.9634% | 4,568 |
| Net loans and leases to core deposits | 70.5006% | 5,009 |
| Total domestic deposits to total assets | 89.1598% | 1,442 |
| Equity capital to assets | 10.5681% | 3,420 |
| Core capital (leverage) ratio | 10.2822% | 2,948 |
| Tier 1 risk-based capital ratio | 16.3538% | 2,806 |
| Total risk-based capital ratio | 17.2202% | 2,957 |
| Memoranda: | ||
| Average total assets | $26,843,330 | 7,192 |
| Average earning assets | $26,009,670 | 7,124 |
| Average equity | $2,636,670 | 7,216 |
| Average total loans | $16,453,000 | 6,958 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3817% | 7,277 |
| Cost of funding earning assets | 0.4659% | 7,074 |
| Net interest margin | 2.9158% | 6,733 |
| Noninterest income to average assets | 0.3941% | 4,750 |
| Noninterest expense to average assets | 1.8974% | 6,989 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3282% | 1,209 |
| Return on assets (ROA) | 1.3282% | 1,254 |
| Pretax return on assets | 1.3282% | 1,950 |
| Return on Equity (ROE) | 14.0216% | 986 |
| Retained earnings to average equity (ytd only) | 13.5593% | 519 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8235% | 6,151 |
| Assets per employee ($millions) | 4.2788% | 3,281 |
| Cash dividends to net income (ytd only)* | 3.2967% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 6,838 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 7,050 |
| Noncurrent loans to loans | 0.0701% | 6,862 |
| Net loans and leases to total assets | 66.1473% | 2,973 |
| Net loans and leases to deposits | 73.9151% | 3,774 |
| Net loans and leases to core deposits | 75.5595% | 4,356 |
| Total domestic deposits to total assets | 89.4909% | 1,488 |
| Equity capital to assets | 10.2832% | 3,431 |
| Core capital (leverage) ratio | 9.7586% | 3,435 |
| Tier 1 risk-based capital ratio | 14.6805% | 3,624 |
| Total risk-based capital ratio | 15.4813% | 3,891 |
| Memoranda: | ||
| Average total assets | $27,405,500 | 7,225 |
| Average earning assets | $26,613,500 | 7,153 |
| Average equity | $2,596,000 | 7,272 |
| Average total loans | $16,700,500 | 7,006 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 7,326 |
| Cost of funding earning assets | 0.5157% | 7,278 |
| Net interest margin | 3.1345% | 6,425 |
| Noninterest income to average assets | 0.3982% | 4,920 |
| Noninterest expense to average assets | 2.2252% | 6,553 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2102% | 1,391 |
| Return on assets (ROA) | 1.2102% | 1,467 |
| Pretax return on assets | 1.2102% | 2,192 |
| Return on Equity (ROE) | 12.1255% | 1,292 |
| Retained earnings to average equity (ytd only) | 2.9336% | 3,805 |
| Net charge-offs to loans | 0.0239% | 6,574 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 77.5000% | 312 |
| Efficiency ratio | 64.7727% | 5,206 |
| Assets per employee ($millions) | 4.8563% | 2,337 |
| Cash dividends to net income (ytd only)* | 75.8065% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 6,763 |
| Loan loss allowance to noncurrent loans | 276.9231% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 6,786 |
| Noncurrent loans to loans | 0.3195% | 6,415 |
| Net loans and leases to total assets | 55.3607% | 5,433 |
| Net loans and leases to deposits | 60.8120% | 5,971 |
| Net loans and leases to core deposits | 61.9803% | 6,240 |
| Total domestic deposits to total assets | 91.0358% | 585 |
| Equity capital to assets | 8.7583% | 5,498 |
| Core capital (leverage) ratio | 9.5188% | 3,684 |
| Tier 1 risk-based capital ratio | 15.0197% | 3,243 |
| Total risk-based capital ratio | 15.8672% | 3,432 |
| Memoranda: | ||
| Average total assets | $25,615,800 | 7,329 |
| Average earning assets | $24,820,200 | 7,263 |
| Average equity | $2,556,600 | 7,384 |
| Average total loans | $16,757,400 | 7,082 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 7,393 |
| Cost of funding earning assets | 0.5238% | 7,413 |
| Net interest margin | 3.2930% | 6,039 |
| Noninterest income to average assets | 0.4258% | 4,753 |
| Noninterest expense to average assets | 2.1076% | 6,831 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5039% | 919 |
| Return on assets (ROA) | 1.5039% | 998 |
| Pretax return on assets | 1.5039% | 1,608 |
| Return on Equity (ROE) | 14.5436% | 933 |
| Retained earnings to average equity (ytd only) | 2.2938% | 4,791 |
| Net charge-offs to loans | -0.0079% | 7,250 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3582% | 6,210 |
| Assets per employee ($millions) | 4.0763% | 3,687 |
| Cash dividends to net income (ytd only)* | 84.2308% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8685% | 6,840 |
| Loan loss allowance to noncurrent loans | 275.9259% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 6,811 |
| Noncurrent loans to loans | 0.3148% | 6,568 |
| Net loans and leases to total assets | 69.5355% | 2,843 |
| Net loans and leases to deposits | 79.2793% | 3,584 |
| Net loans and leases to core deposits | 81.1712% | 4,360 |
| Total domestic deposits to total assets | 87.7095% | 2,155 |
| Equity capital to assets | 10.3075% | 3,759 |
| Core capital (leverage) ratio | 10.3984% | 2,803 |
| Tier 1 risk-based capital ratio | 14.3141% | 3,624 |
| Total risk-based capital ratio | 15.1601% | 3,872 |
| Memoranda: | ||
| Average total assets | $24,735,250 | 7,448 |
| Average earning assets | $23,929,250 | 7,382 |
| Average equity | $2,557,750 | 7,479 |
| Average total loans | $16,878,000 | 7,176 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 7,482 |
| Cost of funding earning assets | 0.5251% | 7,512 |
| Net interest margin | 3.2755% | 6,093 |
| Noninterest income to average assets | 0.4511% | 4,501 |
| Noninterest expense to average assets | 2.0864% | 6,948 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5306% | 848 |
| Return on assets (ROA) | 1.5306% | 908 |
| Pretax return on assets | 1.5306% | 1,477 |
| Return on Equity (ROE) | 14.7860% | 892 |
| Retained earnings to average equity (ytd only) | 14.7860% | 258 |
| Net charge-offs to loans | -0.0119% | 7,222 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6837% | 6,422 |
| Assets per employee ($millions) | 4.0953% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 6,793 |
| Loan loss allowance to noncurrent loans | 256.8966% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 6,808 |
| Noncurrent loans to loans | 0.3465% | 6,542 |
| Net loans and leases to total assets | 67.5199% | 3,492 |
| Net loans and leases to deposits | 75.9905% | 4,338 |
| Net loans and leases to core deposits | 75.9905% | 5,196 |
| Total domestic deposits to total assets | 88.8532% | 1,519 |
| Equity capital to assets | 10.8538% | 3,019 |
| Core capital (leverage) ratio | 10.5357% | 2,600 |
| Tier 1 risk-based capital ratio | 15.4645% | 2,913 |
| Total risk-based capital ratio | 16.3284% | 3,081 |
| Memoranda: | ||
| Average total assets | $24,827,670 | 7,503 |
| Average earning assets | $23,996,000 | 7,439 |
| Average equity | $2,570,000 | 7,528 |
| Average total loans | $16,785,330 | 7,231 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 7,654 |
| Cost of funding earning assets | 0.5313% | 7,625 |
| Net interest margin | 3.1211% | 6,541 |
| Noninterest income to average assets | 0.4809% | 4,195 |
| Noninterest expense to average assets | 2.0677% | 7,018 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4265% | 1,021 |
| Return on assets (ROA) | 1.4265% | 1,090 |
| Pretax return on assets | 1.4265% | 1,702 |
| Return on Equity (ROE) | 14.1186% | 1,036 |
| Retained earnings to average equity (ytd only) | 14.1186% | 497 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1743% | 6,309 |
| Assets per employee ($millions) | 4.1727% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 6,964 |
| Loan loss allowance to noncurrent loans | 135.7798% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 6,381 |
| Noncurrent loans to loans | 0.6324% | 6,054 |
| Net loans and leases to total assets | 68.2577% | 3,320 |
| Net loans and leases to deposits | 76.2493% | 4,366 |
| Net loans and leases to core deposits | 76.2493% | 5,225 |
| Total domestic deposits to total assets | 89.5191% | 1,236 |
| Equity capital to assets | 10.2492% | 3,537 |
| Core capital (leverage) ratio | 10.3585% | 2,758 |
| Tier 1 risk-based capital ratio | 14.4677% | 3,399 |
| Total risk-based capital ratio | 15.3078% | 3,584 |
| Memoranda: | ||
| Average total assets | $24,955,500 | 7,591 |
| Average earning assets | $24,094,000 | 7,532 |
| Average equity | $2,521,500 | 7,623 |
| Average total loans | $16,808,000 | 7,325 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0356% | 7,683 |
| Cost of funding earning assets | 0.6250% | 7,757 |
| Net interest margin | 3.4106% | 5,326 |
| Noninterest income to average assets | 0.4354% | 4,911 |
| Noninterest expense to average assets | 2.5577% | 5,928 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1102% | 1,483 |
| Return on assets (ROA) | 1.1102% | 1,517 |
| Pretax return on assets | 1.1102% | 2,214 |
| Return on Equity (ROE) | 10.8612% | 1,464 |
| Retained earnings to average equity (ytd only) | -4.9509% | 6,014 |
| Net charge-offs to loans | 0.1432% | 5,807 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 18.8667% | 1,107 |
| Efficiency ratio | 69.7326% | 4,687 |
| Assets per employee ($millions) | 4.1458% | 3,526 |
| Cash dividends to net income (ytd only)* | 145.5830% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 6,796 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 6,699 |
| Noncurrent loans to loans | 0.4518% | 6,364 |
| Net loans and leases to total assets | 65.2503% | 4,332 |
| Net loans and leases to deposits | 72.6284% | 5,243 |
| Net loans and leases to core deposits | 83.4756% | 5,770 |
| Total domestic deposits to total assets | 89.8412% | 1,037 |
| Equity capital to assets | 9.9578% | 3,817 |
| Core capital (leverage) ratio | 9.9791% | 3,112 |
| Tier 1 risk-based capital ratio | 15.9108% | 2,562 |
| Total risk-based capital ratio | 16.8615% | 2,621 |
| Memoranda: | ||
| Average total assets | $25,491,200 | 7,629 |
| Average earning assets | $24,160,000 | 7,575 |
| Average equity | $2,605,600 | 7,705 |
| Average total loans | $10,478,400 | 7,683 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 7,726 |
| Cost of funding earning assets | 0.6555% | 7,854 |
| Net interest margin | 3.5366% | 4,714 |
| Noninterest income to average assets | 0.4263% | 5,079 |
| Noninterest expense to average assets | 2.3448% | 6,575 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4193% | 982 |
| Return on assets (ROA) | 1.4193% | 1,048 |
| Pretax return on assets | 1.4193% | 1,646 |
| Return on Equity (ROE) | 13.7993% | 967 |
| Retained earnings to average equity (ytd only) | 3.0833% | 3,600 |
| Net charge-offs to loans | -0.0148% | 7,727 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2928% | 6,056 |
| Assets per employee ($millions) | 4.0153% | 3,701 |
| Cash dividends to net income (ytd only)* | 77.6560% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 2,346 |
| Loan loss allowance to noncurrent loans | 1,261.5385% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 7,424 |
| Noncurrent loans to loans | 0.1411% | 7,126 |
| Net loans and leases to total assets | 37.5643% | 7,566 |
| Net loans and leases to deposits | 44.3236% | 7,612 |
| Net loans and leases to core deposits | 50.6776% | 7,670 |
| Total domestic deposits to total assets | 84.7501% | 3,343 |
| Equity capital to assets | 11.0701% | 2,955 |
| Core capital (leverage) ratio | 10.8371% | 2,539 |
| Tier 1 risk-based capital ratio | 24.1248% | 991 |
| Total risk-based capital ratio | 25.3731% | 967 |
| Memoranda: | ||
| Average total assets | $25,645,250 | 7,695 |
| Average earning assets | $24,203,250 | 7,639 |
| Average equity | $2,637,750 | 7,769 |
| Average total loans | $9,003,250 | 7,815 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 7,844 |
| Cost of funding earning assets | 0.6862% | 7,931 |
| Net interest margin | 3.4801% | 4,894 |
| Noninterest income to average assets | 0.3822% | 5,442 |
| Noninterest expense to average assets | 2.2857% | 6,794 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3531% | 1,119 |
| Return on assets (ROA) | 1.3531% | 1,189 |
| Pretax return on assets | 1.3531% | 1,863 |
| Return on Equity (ROE) | 13.4703% | 1,082 |
| Retained earnings to average equity (ytd only) | -2.6636% | 5,902 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8151% | 6,116 |
| Assets per employee ($millions) | 4.1758% | 3,340 |
| Cash dividends to net income (ytd only)* | 119.7740% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 1,863 |
| Loan loss allowance to noncurrent loans | 1,811.1111% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 7,518 |
| Noncurrent loans to loans | 0.1034% | 7,267 |
| Net loans and leases to total assets | 34.1050% | 7,767 |
| Net loans and leases to deposits | 38.1490% | 7,858 |
| Net loans and leases to core deposits | 43.4197% | 7,881 |
| Total domestic deposits to total assets | 89.3993% | 1,077 |
| Equity capital to assets | 10.2614% | 3,655 |
| Core capital (leverage) ratio | 10.0748% | 3,216 |
| Tier 1 risk-based capital ratio | 23.5591% | 1,078 |
| Total risk-based capital ratio | 24.8144% | 1,059 |
| Memoranda: | ||
| Average total assets | $26,163,000 | 7,748 |
| Average earning assets | $24,482,000 | 7,703 |
| Average equity | $2,628,000 | 7,845 |
| Average total loans | $8,933,000 | 7,908 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 7,842 |
| Cost of funding earning assets | 0.7326% | 7,976 |
| Net interest margin | 3.5815% | 4,398 |
| Noninterest income to average assets | 0.3593% | 5,568 |
| Noninterest expense to average assets | 2.0960% | 7,122 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5571% | 846 |
| Return on assets (ROA) | 1.5571% | 921 |
| Pretax return on assets | 1.5571% | 1,517 |
| Return on Equity (ROE) | 15.6597% | 874 |
| Retained earnings to average equity (ytd only) | 15.0574% | 408 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3770% | 6,773 |
| Assets per employee ($millions) | 5.0912% | 1,974 |
| Cash dividends to net income (ytd only)* | 3.8462% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 1,706 |
| Loan loss allowance to noncurrent loans | 1,630.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 7,495 |
| Noncurrent loans to loans | 0.1143% | 7,200 |
| Net loans and leases to total assets | 33.7170% | 7,814 |
| Net loans and leases to deposits | 37.8523% | 7,906 |
| Net loans and leases to core deposits | 43.0075% | 7,924 |
| Total domestic deposits to total assets | 89.0753% | 1,196 |
| Equity capital to assets | 10.6340% | 3,343 |
| Core capital (leverage) ratio | 10.0337% | 3,376 |
| Tier 1 risk-based capital ratio | 24.7079% | 1,006 |
| Total risk-based capital ratio | 25.9584% | 986 |
| Memoranda: | ||
| Average total assets | $26,717,000 | 7,773 |
| Average earning assets | $24,571,000 | 7,738 |
| Average equity | $2,656,500 | 7,881 |
| Average total loans | $9,045,500 | 7,951 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 8,045 |
| Cost of funding earning assets | 1.4002% | 7,736 |
| Net interest margin | 3.0296% | 6,839 |
| Noninterest income to average assets | 0.3374% | 6,042 |
| Noninterest expense to average assets | 1.9234% | 7,577 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2331% | 1,675 |
| Return on assets (ROA) | 1.2331% | 1,620 |
| Pretax return on assets | 1.2331% | 2,536 |
| Return on Equity (ROE) | 12.5000% | 1,446 |
| Retained earnings to average equity (ytd only) | 6.6038% | 1,296 |
| Net charge-offs to loans | -0.0201% | 7,928 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9337% | 6,175 |
| Assets per employee ($millions) | 5.5956% | 1,390 |
| Cash dividends to net income (ytd only)* | 47.1698% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7442% | 1,782 |
| Loan loss allowance to noncurrent loans | 166.3265% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 6,191 |
| Noncurrent loans to loans | 1.0487% | 4,476 |
| Net loans and leases to total assets | 32.8186% | 7,919 |
| Net loans and leases to deposits | 36.3097% | 8,018 |
| Net loans and leases to core deposits | 42.4739% | 8,017 |
| Total domestic deposits to total assets | 90.3853% | 524 |
| Equity capital to assets | 9.3145% | 4,920 |
| Core capital (leverage) ratio | 9.9163% | 3,529 |
| Tier 1 risk-based capital ratio | 22.1222% | 1,302 |
| Total risk-based capital ratio | 23.3701% | 1,267 |
| Memoranda: | ||
| Average total assets | $25,787,800 | 7,813 |
| Average earning assets | $23,996,600 | 7,783 |
| Average equity | $2,544,000 | 7,969 |
| Average total loans | $9,957,400 | 7,943 |