Home > The Freedom State Bank > Performance and Condition Ratios
The Freedom State Bank, Performance and Condition Ratios
| 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 | 3.8321% | 4,349 |
| Cost of funding earning assets | 0.3669% | 4,354 |
| Net interest margin | 3.4652% | 3,839 |
| Noninterest income to average assets | 0.4825% | 3,549 |
| Noninterest expense to average assets | 2.8057% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6076% | 4,163 |
| Return on assets (ROA) | 0.6076% | 4,244 |
| Pretax return on assets | 0.7148% | 4,442 |
| Return on Equity (ROE) | 7.0357% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.0357% | 2,033 |
| Net charge-offs to loans | -0.5234% | 6,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6954% | 2,247 |
| Assets per employee ($millions) | 4.5632% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 4,270 |
| Loan loss allowance to noncurrent loans | 34.0376% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 1.8671% | 1,851 |
| Noncurrent loans to loans | 3.7355% | 755 |
| Net loans and leases to total assets | 49.3469% | 4,967 |
| Net loans and leases to deposits | 53.9871% | 5,290 |
| Net loans and leases to core deposits | 53.9871% | 5,501 |
| Total domestic deposits to total assets | 91.4052% | 412 |
| Equity capital to assets | 8.5466% | 5,602 |
| Core capital (leverage) ratio | 8.3748% | 5,776 |
| Tier 1 risk-based capital ratio | 12.1770% | 5,524 |
| Total risk-based capital ratio | 13.0820% | 5,675 |
| Memoranda: | ||
| Average total assets | $22,383,000 | 6,591 |
| Average earning assets | $19,623,500 | 6,583 |
| Average equity | $1,933,000 | 6,610 |
| Average total loans | $11,463,500 | 6,463 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4490% | 5,733 |
| Cost of funding earning assets | 0.3512% | 5,123 |
| Net interest margin | 3.0978% | 5,322 |
| Noninterest income to average assets | 0.6276% | 2,932 |
| Noninterest expense to average assets | 2.8578% | 3,500 |
| Loan and lease loss provision to assets | 0.1781% | 2,077 |
| Net operating income to assets | 0.4006% | 5,139 |
| Return on assets (ROA) | 0.4006% | 5,257 |
| Pretax return on assets | 0.4585% | 5,328 |
| Return on Equity (ROE) | 4.7234% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.7234% | 2,796 |
| Net charge-offs to loans | 0.5838% | 1,132 |
| Credit loss provision to net charge-offs | 66.6667% | 3,389 |
| Earnings coverage of net charge-offs (x) | 2.3833% | 4,215 |
| Efficiency ratio | 81.7834% | 1,907 |
| Assets per employee ($millions) | 3.6583% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 5,007 |
| Loan loss allowance to noncurrent loans | 30.9524% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 1.9134% | 1,887 |
| Noncurrent loans to loans | 3.6449% | 830 |
| Net loans and leases to total assets | 51.9043% | 4,869 |
| Net loans and leases to deposits | 56.9337% | 5,215 |
| Net loans and leases to core deposits | 56.9337% | 5,466 |
| Total domestic deposits to total assets | 91.1663% | 510 |
| Equity capital to assets | 8.7289% | 5,332 |
| Core capital (leverage) ratio | 8.5174% | 5,648 |
| Tier 1 risk-based capital ratio | 13.6568% | 4,547 |
| Total risk-based capital ratio | 14.5829% | 4,707 |
| Memoranda: | ||
| Average total assets | $22,465,000 | 6,668 |
| Average earning assets | $20,788,800 | 6,642 |
| Average equity | $1,905,400 | 6,707 |
| Average total loans | $10,276,800 | 6,577 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3288% | 6,007 |
| Cost of funding earning assets | 0.3444% | 5,348 |
| Net interest margin | 2.9844% | 5,632 |
| Noninterest income to average assets | 0.5901% | 3,218 |
| Noninterest expense to average assets | 2.6201% | 4,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6609% | 4,062 |
| Return on assets (ROA) | 0.6609% | 4,198 |
| Pretax return on assets | 0.7318% | 4,572 |
| Return on Equity (ROE) | 7.8481% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.8481% | 1,483 |
| Net charge-offs to loans | 0.2810% | 2,139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.9046% | 3,080 |
| Efficiency ratio | 78.1690% | 2,396 |
| Assets per employee ($millions) | 3.1221% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 5,025 |
| Loan loss allowance to noncurrent loans | 31.0843% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 1.8989% | 2,134 |
| Noncurrent loans to loans | 3.7614% | 978 |
| Net loans and leases to total assets | 49.8925% | 5,150 |
| Net loans and leases to deposits | 54.8767% | 5,465 |
| Net loans and leases to core deposits | 54.8767% | 5,706 |
| Total domestic deposits to total assets | 90.9174% | 570 |
| Equity capital to assets | 8.9774% | 5,214 |
| Core capital (leverage) ratio | 8.8498% | 5,328 |
| Tier 1 risk-based capital ratio | 13.3720% | 4,857 |
| Total risk-based capital ratio | 14.2526% | 5,073 |
| Memoranda: | ||
| Average total assets | $22,593,750 | 6,739 |
| Average earning assets | $20,908,000 | 6,712 |
| Average equity | $1,902,750 | 6,786 |
| Average total loans | $9,965,250 | 6,663 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2346% | 6,183 |
| Cost of funding earning assets | 0.3415% | 5,481 |
| Net interest margin | 2.8931% | 5,809 |
| Noninterest income to average assets | 0.5342% | 3,610 |
| Noninterest expense to average assets | 2.6095% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5254% | 4,688 |
| Return on assets (ROA) | 0.5254% | 4,854 |
| Pretax return on assets | 0.5954% | 5,030 |
| Return on Equity (ROE) | 6.3728% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.3728% | 2,217 |
| Net charge-offs to loans | 0.2081% | 2,514 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 2,646 |
| Efficiency ratio | 81.4208% | 1,971 |
| Assets per employee ($millions) | 3.2940% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 3,816 |
| Loan loss allowance to noncurrent loans | 32.8638% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 1.8475% | 2,346 |
| Noncurrent loans to loans | 4.4072% | 806 |
| Net loans and leases to total assets | 41.3132% | 5,947 |
| Net loans and leases to deposits | 45.0743% | 6,163 |
| Net loans and leases to core deposits | 45.0743% | 6,280 |
| Total domestic deposits to total assets | 91.6558% | 325 |
| Equity capital to assets | 8.2835% | 5,985 |
| Core capital (leverage) ratio | 8.2554% | 5,951 |
| Tier 1 risk-based capital ratio | 14.3946% | 4,165 |
| Total risk-based capital ratio | 15.4514% | 4,250 |
| Memoranda: | ||
| Average total assets | $22,840,000 | 6,786 |
| Average earning assets | $21,084,330 | 6,759 |
| Average equity | $1,883,000 | 6,833 |
| Average total loans | $9,609,330 | 6,725 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2546% | 6,232 |
| Cost of funding earning assets | 0.3446% | 5,596 |
| Net interest margin | 2.9100% | 5,796 |
| Noninterest income to average assets | 0.5455% | 3,471 |
| Noninterest expense to average assets | 2.7627% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3871% | 5,174 |
| Return on assets (ROA) | 0.3871% | 5,320 |
| Pretax return on assets | 0.4575% | 5,395 |
| Return on Equity (ROE) | 4.7071% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.7071% | 3,411 |
| Net charge-offs to loans | -0.0835% | 6,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7923% | 1,539 |
| Assets per employee ($millions) | 3.1953% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 3,506 |
| Loan loss allowance to noncurrent loans | 34.6241% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 1.9627% | 2,393 |
| Noncurrent loans to loans | 4.5464% | 908 |
| Net loans and leases to total assets | 42.4912% | 5,810 |
| Net loans and leases to deposits | 46.4108% | 6,032 |
| Net loans and leases to core deposits | 46.4108% | 6,191 |
| Total domestic deposits to total assets | 91.5545% | 341 |
| Equity capital to assets | 8.3918% | 6,112 |
| Core capital (leverage) ratio | 8.1653% | 5,972 |
| Tier 1 risk-based capital ratio | 14.5417% | 4,146 |
| Total risk-based capital ratio | 15.7155% | 4,168 |
| Memoranda: | ||
| Average total assets | $22,731,000 | 6,863 |
| Average earning assets | $20,893,500 | 6,830 |
| Average equity | $1,869,500 | 6,897 |
| Average total loans | $9,581,000 | 6,794 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3615% | 6,529 |
| Cost of funding earning assets | 0.5099% | 5,150 |
| Net interest margin | 2.8516% | 6,309 |
| Noninterest income to average assets | 0.6679% | 2,888 |
| Noninterest expense to average assets | 2.6896% | 4,436 |
| Loan and lease loss provision to assets | 0.1883% | 3,289 |
| Net operating income to assets | 0.3224% | 5,390 |
| Return on assets (ROA) | 0.3497% | 5,515 |
| Pretax return on assets | 0.4034% | 5,568 |
| Return on Equity (ROE) | 4.2318% | 5,049 |
| Retained earnings to average equity (ytd only) | 4.2318% | 3,249 |
| Net charge-offs to loans | 0.2599% | 3,384 |
| Credit loss provision to net charge-offs | 175.0000% | 1,501 |
| Earnings coverage of net charge-offs (x) | 5.2083% | 3,109 |
| Efficiency ratio | 82.7586% | 1,777 |
| Assets per employee ($millions) | 3.2993% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 3,408 |
| Loan loss allowance to noncurrent loans | 29.4695% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 2.2039% | 2,224 |
| Noncurrent loans to loans | 5.3545% | 707 |
| Net loans and leases to total assets | 40.5109% | 6,140 |
| Net loans and leases to deposits | 44.0905% | 6,363 |
| Net loans and leases to core deposits | 44.0905% | 6,464 |
| Total domestic deposits to total assets | 91.8814% | 271 |
| Equity capital to assets | 8.0624% | 6,375 |
| Core capital (leverage) ratio | 8.0091% | 6,183 |
| Tier 1 risk-based capital ratio | 14.0305% | 4,366 |
| Total risk-based capital ratio | 15.1613% | 4,408 |
| Memoranda: | ||
| Average total assets | $22,307,800 | 6,925 |
| Average earning assets | $20,199,400 | 6,903 |
| Average equity | $1,843,200 | 6,976 |
| Average total loans | $9,232,800 | 6,872 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3817% | 6,647 |
| Cost of funding earning assets | 0.5614% | 4,986 |
| Net interest margin | 2.8203% | 6,472 |
| Noninterest income to average assets | 0.6694% | 2,880 |
| Noninterest expense to average assets | 2.4904% | 5,117 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6551% | 4,115 |
| Return on assets (ROA) | 0.6935% | 4,194 |
| Pretax return on assets | 0.7658% | 4,611 |
| Return on Equity (ROE) | 8.3400% | 3,110 |
| Retained earnings to average equity (ytd only) | 8.3400% | 1,469 |
| Net charge-offs to loans | 0.1309% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,920 |
| Efficiency ratio | 77.4859% | 2,458 |
| Assets per employee ($millions) | 3.3169% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,804 |
| Loan loss allowance to noncurrent loans | 23.7911% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 2.2267% | 2,398 |
| Noncurrent loans to loans | 5.4732% | 785 |
| Net loans and leases to total assets | 40.1542% | 6,269 |
| Net loans and leases to deposits | 43.7823% | 6,518 |
| Net loans and leases to core deposits | 43.7823% | 6,606 |
| Total domestic deposits to total assets | 91.7133% | 247 |
| Equity capital to assets | 8.1790% | 6,499 |
| Core capital (leverage) ratio | 8.4960% | 5,758 |
| Tier 1 risk-based capital ratio | 14.4269% | 4,232 |
| Total risk-based capital ratio | 15.3922% | 4,385 |
| Memoranda: | ||
| Average total assets | $22,111,000 | 7,016 |
| Average earning assets | $19,949,750 | 6,995 |
| Average equity | $1,838,500 | 7,069 |
| Average total loans | $9,164,500 | 6,968 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4893% | 6,618 |
| Cost of funding earning assets | 0.6447% | 4,489 |
| Net interest margin | 2.8447% | 6,508 |
| Noninterest income to average assets | 0.6715% | 2,822 |
| Noninterest expense to average assets | 2.5665% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5952% | 4,388 |
| Return on assets (ROA) | 0.6531% | 4,354 |
| Pretax return on assets | 0.7267% | 4,747 |
| Return on Equity (ROE) | 7.8094% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.8094% | 1,717 |
| Net charge-offs to loans | 0.0220% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 558 |
| Efficiency ratio | 79.4872% | 2,268 |
| Assets per employee ($millions) | 3.2769% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 4,164 |
| Loan loss allowance to noncurrent loans | 21.5815% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 2.6463% | 2,091 |
| Noncurrent loans to loans | 6.8034% | 587 |
| Net loans and leases to total assets | 38.3251% | 6,454 |
| Net loans and leases to deposits | 41.7486% | 6,664 |
| Net loans and leases to core deposits | 41.7486% | 6,746 |
| Total domestic deposits to total assets | 91.7996% | 257 |
| Equity capital to assets | 8.0870% | 6,523 |
| Core capital (leverage) ratio | 8.7838% | 5,241 |
| Tier 1 risk-based capital ratio | 14.9504% | 3,797 |
| Total risk-based capital ratio | 16.0068% | 3,889 |
| Memoranda: | ||
| Average total assets | $21,742,000 | 7,084 |
| Average earning assets | $19,545,330 | 7,063 |
| Average equity | $1,818,330 | 7,122 |
| Average total loans | $9,070,670 | 7,039 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6981% | 6,442 |
| Cost of funding earning assets | 0.8076% | 3,413 |
| Net interest margin | 2.8905% | 6,500 |
| Noninterest income to average assets | 0.6243% | 3,083 |
| Noninterest expense to average assets | 2.6485% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4726% | 4,943 |
| Return on assets (ROA) | 0.5865% | 4,631 |
| Pretax return on assets | 0.6810% | 4,857 |
| Return on Equity (ROE) | 6.8889% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.8889% | 2,485 |
| Net charge-offs to loans | -0.0437% | 6,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8402% | 1,821 |
| Assets per employee ($millions) | 3.0541% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 4,491 |
| Loan loss allowance to noncurrent loans | 24.2259% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 2.5679% | 2,302 |
| Noncurrent loans to loans | 5.8836% | 863 |
| Net loans and leases to total assets | 43.0235% | 6,101 |
| Net loans and leases to deposits | 47.0679% | 6,356 |
| Net loans and leases to core deposits | 47.0679% | 6,504 |
| Total domestic deposits to total assets | 91.4075% | 401 |
| Equity capital to assets | 8.4896% | 6,089 |
| Core capital (leverage) ratio | 8.5639% | 5,490 |
| Tier 1 risk-based capital ratio | 15.2194% | 3,608 |
| Total risk-based capital ratio | 16.3353% | 3,660 |
| Memoranda: | ||
| Average total assets | $21,144,000 | 7,152 |
| Average earning assets | $18,820,500 | 7,135 |
| Average equity | $1,800,000 | 7,182 |
| Average total loans | $9,145,000 | 7,094 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 6,390 |
| Cost of funding earning assets | 0.9378% | 3,809 |
| Net interest margin | 3.0989% | 6,349 |
| Noninterest income to average assets | 0.5334% | 3,627 |
| Noninterest expense to average assets | 2.9783% | 3,675 |
| Loan and lease loss provision to assets | 0.3168% | 3,146 |
| Net operating income to assets | 0.0412% | 5,978 |
| Return on assets (ROA) | 0.4119% | 4,995 |
| Pretax return on assets | 0.4594% | 5,104 |
| Return on Equity (ROE) | 4.4193% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.4193% | 3,027 |
| Net charge-offs to loans | 0.9596% | 1,798 |
| Credit loss provision to net charge-offs | 73.1707% | 4,729 |
| Earnings coverage of net charge-offs (x) | 0.8415% | 5,170 |
| Efficiency ratio | 89.0995% | 1,263 |
| Assets per employee ($millions) | 2.9870% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 4,130 |
| Loan loss allowance to noncurrent loans | 20.1527% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 3.1326% | 1,903 |
| Noncurrent loans to loans | 7.3111% | 595 |
| Net loans and leases to total assets | 42.2163% | 6,365 |
| Net loans and leases to deposits | 46.2292% | 6,616 |
| Net loans and leases to core deposits | 46.2292% | 6,725 |
| Total domestic deposits to total assets | 91.3195% | 391 |
| Equity capital to assets | 8.5370% | 6,097 |
| Core capital (leverage) ratio | 8.5372% | 5,499 |
| Tier 1 risk-based capital ratio | 15.8039% | 3,155 |
| Total risk-based capital ratio | 16.9739% | 3,163 |
| Memoranda: | ||
| Average total assets | $18,936,800 | 7,224 |
| Average earning assets | $17,167,400 | 7,201 |
| Average equity | $1,765,000 | 7,242 |
| Average total loans | $8,545,000 | 7,159 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1671% | 6,282 |
| Cost of funding earning assets | 0.9489% | 4,058 |
| Net interest margin | 3.2182% | 6,117 |
| Noninterest income to average assets | 0.4843% | 4,006 |
| Noninterest expense to average assets | 2.8049% | 4,323 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5677% | 4,234 |
| Return on assets (ROA) | 0.6795% | 3,893 |
| Pretax return on assets | 0.7446% | 4,333 |
| Return on Equity (ROE) | 7.1210% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.1210% | 1,904 |
| Net charge-offs to loans | 0.4581% | 2,898 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.9651% | 3,661 |
| Efficiency ratio | 81.8565% | 2,001 |
| Assets per employee ($millions) | 2.8309% | 6,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 4,050 |
| Loan loss allowance to noncurrent loans | 30.7882% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 2.0488% | 3,078 |
| Noncurrent loans to loans | 4.9028% | 1,284 |
| Net loans and leases to total assets | 41.1587% | 6,548 |
| Net loans and leases to deposits | 45.3741% | 6,770 |
| Net loans and leases to core deposits | 45.3741% | 6,872 |
| Total domestic deposits to total assets | 90.7095% | 550 |
| Equity capital to assets | 9.1542% | 5,580 |
| Core capital (leverage) ratio | 8.8888% | 5,126 |
| Tier 1 risk-based capital ratio | 16.5776% | 2,825 |
| Total risk-based capital ratio | 17.7295% | 2,836 |
| Memoranda: | ||
| Average total assets | $18,443,750 | 7,312 |
| Average earning assets | $16,861,750 | 7,285 |
| Average equity | $1,760,000 | 7,319 |
| Average total loans | $8,441,500 | 7,238 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3013% | 6,019 |
| Cost of funding earning assets | 0.9504% | 4,316 |
| Net interest margin | 3.3509% | 5,707 |
| Noninterest income to average assets | 0.3892% | 4,765 |
| Noninterest expense to average assets | 2.9022% | 4,014 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4893% | 4,547 |
| Return on assets (ROA) | 0.4893% | 4,688 |
| Pretax return on assets | 0.5449% | 4,920 |
| Return on Equity (ROE) | 5.0517% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.0517% | 2,972 |
| Net charge-offs to loans | 0.7298% | 2,048 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.5806% | 4,106 |
| Efficiency ratio | 84.1935% | 1,796 |
| Assets per employee ($millions) | 2.7187% | 6,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 4,089 |
| Loan loss allowance to noncurrent loans | 32.3684% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 1.9967% | 3,240 |
| Noncurrent loans to loans | 4.6614% | 1,413 |
| Net loans and leases to total assets | 42.1891% | 6,578 |
| Net loans and leases to deposits | 46.5935% | 6,799 |
| Net loans and leases to core deposits | 46.5935% | 6,906 |
| Total domestic deposits to total assets | 90.5470% | 700 |
| Equity capital to assets | 9.2586% | 5,196 |
| Core capital (leverage) ratio | 9.7688% | 3,567 |
| Tier 1 risk-based capital ratio | 16.3657% | 2,800 |
| Total risk-based capital ratio | 17.5166% | 2,816 |
| Memoranda: | ||
| Average total assets | $17,986,330 | 7,386 |
| Average earning assets | $16,413,670 | 7,369 |
| Average equity | $1,742,000 | 7,393 |
| Average total loans | $8,495,000 | 7,304 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 5,708 |
| Cost of funding earning assets | 0.9687% | 4,434 |
| Net interest margin | 3.4278% | 5,311 |
| Noninterest income to average assets | 0.4123% | 4,605 |
| Noninterest expense to average assets | 3.0234% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5039% | 4,474 |
| Return on assets (ROA) | 0.5039% | 4,557 |
| Pretax return on assets | 0.5497% | 4,863 |
| Return on Equity (ROE) | 5.0808% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.0808% | 3,133 |
| Net charge-offs to loans | 1.4770% | 917 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 4,072 |
| Efficiency ratio | 84.6154% | 1,882 |
| Assets per employee ($millions) | 2.4690% | 7,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 4,375 |
| Loan loss allowance to noncurrent loans | 36.6366% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 1.9267% | 3,402 |
| Noncurrent loans to loans | 3.9942% | 1,819 |
| Net loans and leases to total assets | 47.5323% | 6,131 |
| Net loans and leases to deposits | 52.8976% | 6,401 |
| Net loans and leases to core deposits | 52.8976% | 6,629 |
| Total domestic deposits to total assets | 89.8571% | 1,243 |
| Equity capital to assets | 10.0214% | 3,750 |
| Core capital (leverage) ratio | 9.7997% | 3,386 |
| Tier 1 risk-based capital ratio | 16.7540% | 2,568 |
| Total risk-based capital ratio | 17.9375% | 2,565 |
| Memoranda: | ||
| Average total assets | $17,464,000 | 7,453 |
| Average earning assets | $16,103,500 | 7,433 |
| Average equity | $1,732,000 | 7,442 |
| Average total loans | $8,666,500 | 7,353 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 5,223 |
| Cost of funding earning assets | 1.0811% | 5,249 |
| Net interest margin | 3.7713% | 4,061 |
| Noninterest income to average assets | 0.4009% | 4,905 |
| Noninterest expense to average assets | 3.2071% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5810% | 3,751 |
| Return on assets (ROA) | 0.5810% | 3,912 |
| Pretax return on assets | 0.6391% | 4,203 |
| Return on Equity (ROE) | 5.9088% | 3,651 |
| Retained earnings to average equity (ytd only) | 5.9088% | 1,871 |
| Net charge-offs to loans | 0.0464% | 6,339 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 792 |
| Efficiency ratio | 83.3837% | 1,999 |
| Assets per employee ($millions) | 2.5207% | 6,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7119% | 3,172 |
| Loan loss allowance to noncurrent loans | 28.8931% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 3.0207% | 2,330 |
| Noncurrent loans to loans | 5.9249% | 1,059 |
| Net loans and leases to total assets | 50.1105% | 6,155 |
| Net loans and leases to deposits | 55.6521% | 6,470 |
| Net loans and leases to core deposits | 55.6521% | 6,710 |
| Total domestic deposits to total assets | 90.0425% | 1,077 |
| Equity capital to assets | 9.8158% | 3,980 |
| Core capital (leverage) ratio | 9.6442% | 3,494 |
| Tier 1 risk-based capital ratio | 16.3738% | 2,582 |
| Total risk-based capital ratio | 17.6222% | 2,540 |
| Memoranda: | ||
| Average total assets | $17,212,000 | 7,528 |
| Average earning assets | $15,724,200 | 7,504 |
| Average equity | $1,692,400 | 7,554 |
| Average total loans | $8,624,200 | 7,440 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9108% | 5,215 |
| Cost of funding earning assets | 1.0970% | 5,437 |
| Net interest margin | 3.8138% | 3,913 |
| Noninterest income to average assets | 0.3898% | 5,041 |
| Noninterest expense to average assets | 2.9544% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8263% | 2,889 |
| Return on assets (ROA) | 0.8263% | 3,037 |
| Pretax return on assets | 0.9042% | 3,538 |
| Return on Equity (ROE) | 8.4000% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.4000% | 1,275 |
| Net charge-offs to loans | -0.1094% | 7,566 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5657% | 2,841 |
| Assets per employee ($millions) | 2.4579% | 7,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8929% | 2,505 |
| Loan loss allowance to noncurrent loans | 47.9651% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 1.9994% | 3,470 |
| Noncurrent loans to loans | 3.9463% | 1,911 |
| Net loans and leases to total assets | 49.7065% | 6,355 |
| Net loans and leases to deposits | 55.3994% | 6,656 |
| Net loans and leases to core deposits | 55.3994% | 6,891 |
| Total domestic deposits to total assets | 89.7239% | 1,010 |
| Equity capital to assets | 10.1017% | 4,019 |
| Core capital (leverage) ratio | 9.9062% | 3,349 |
| Tier 1 risk-based capital ratio | 17.3424% | 2,229 |
| Total risk-based capital ratio | 18.5992% | 2,187 |
| Memoranda: | ||
| Average total assets | $17,103,750 | 7,626 |
| Average earning assets | $15,557,000 | 7,601 |
| Average equity | $1,682,500 | 7,654 |
| Average total loans | $8,531,250 | 7,545 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 5,328 |
| Cost of funding earning assets | 1.0907% | 5,727 |
| Net interest margin | 3.8239% | 3,794 |
| Noninterest income to average assets | 0.3632% | 5,237 |
| Noninterest expense to average assets | 2.8705% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9373% | 2,411 |
| Return on assets (ROA) | 0.9373% | 2,500 |
| Pretax return on assets | 0.9842% | 3,181 |
| Return on Equity (ROE) | 9.6154% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.6154% | 936 |
| Net charge-offs to loans | -0.1417% | 7,602 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4681% | 3,380 |
| Assets per employee ($millions) | 2.4694% | 7,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8887% | 2,441 |
| Loan loss allowance to noncurrent loans | 41.2060% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 2.3024% | 3,130 |
| Noncurrent loans to loans | 4.5837% | 1,576 |
| Net loans and leases to total assets | 49.2827% | 6,516 |
| Net loans and leases to deposits | 54.7916% | 6,811 |
| Net loans and leases to core deposits | 54.7916% | 7,004 |
| Total domestic deposits to total assets | 89.9456% | 943 |
| Equity capital to assets | 9.8808% | 4,164 |
| Core capital (leverage) ratio | 9.7653% | 3,453 |
| Tier 1 risk-based capital ratio | 16.9859% | 2,285 |
| Total risk-based capital ratio | 18.2460% | 2,234 |
| Memoranda: | ||
| Average total assets | $17,070,000 | 7,694 |
| Average earning assets | $15,586,330 | 7,664 |
| Average equity | $1,664,000 | 7,722 |
| Average total loans | $8,469,330 | 7,607 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8737% | 5,593 |
| Cost of funding earning assets | 1.0773% | 6,008 |
| Net interest margin | 3.7963% | 3,811 |
| Noninterest income to average assets | 0.3537% | 5,307 |
| Noninterest expense to average assets | 2.9006% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8961% | 2,555 |
| Return on assets (ROA) | 0.8961% | 2,630 |
| Pretax return on assets | 0.9433% | 3,301 |
| Return on Equity (ROE) | 9.2570% | 2,401 |
| Retained earnings to average equity (ytd only) | 9.2570% | 1,334 |
| Net charge-offs to loans | -0.0478% | 7,335 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4601% | 3,310 |
| Assets per employee ($millions) | 2.4573% | 7,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 2,438 |
| Loan loss allowance to noncurrent loans | 40.5612% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 2.2789% | 3,174 |
| Noncurrent loans to loans | 4.6868% | 1,578 |
| Net loans and leases to total assets | 47.7007% | 6,702 |
| Net loans and leases to deposits | 52.8911% | 6,987 |
| Net loans and leases to core deposits | 52.8911% | 7,161 |
| Total domestic deposits to total assets | 90.1866% | 897 |
| Equity capital to assets | 9.6564% | 4,296 |
| Core capital (leverage) ratio | 9.9053% | 3,281 |
| Tier 1 risk-based capital ratio | 17.0613% | 2,251 |
| Total risk-based capital ratio | 18.3178% | 2,198 |
| Memoranda: | ||
| Average total assets | $16,962,000 | 7,795 |
| Average earning assets | $15,594,000 | 7,767 |
| Average equity | $1,642,000 | 7,811 |
| Average total loans | $8,362,500 | 7,711 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8121% | 6,926 |
| Cost of funding earning assets | 1.2168% | 6,600 |
| Net interest margin | 3.5952% | 4,567 |
| Noninterest income to average assets | 0.3850% | 5,338 |
| Noninterest expense to average assets | 3.1029% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5266% | 3,622 |
| Return on assets (ROA) | 0.5266% | 3,710 |
| Pretax return on assets | 0.5945% | 3,913 |
| Return on Equity (ROE) | 5.9033% | 3,253 |
| Retained earnings to average equity (ytd only) | 5.9033% | 1,387 |
| Net charge-offs to loans | -0.0251% | 7,802 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9204% | 2,363 |
| Assets per employee ($millions) | 2.3890% | 7,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8897% | 2,289 |
| Loan loss allowance to noncurrent loans | 156.4356% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 5,946 |
| Noncurrent loans to loans | 1.2080% | 4,930 |
| Net loans and leases to total assets | 49.0522% | 6,725 |
| Net loans and leases to deposits | 54.4254% | 7,023 |
| Net loans and leases to core deposits | 60.4718% | 7,248 |
| Total domestic deposits to total assets | 90.1274% | 904 |
| Equity capital to assets | 9.7052% | 4,141 |
| Core capital (leverage) ratio | 9.1835% | 4,145 |
| Tier 1 risk-based capital ratio | 17.1273% | 2,121 |
| Total risk-based capital ratio | 18.3865% | 2,074 |
| Memoranda: | ||
| Average total assets | $17,660,800 | 7,838 |
| Average earning assets | $16,271,600 | 7,813 |
| Average equity | $1,575,400 | 7,914 |
| Average total loans | $7,964,200 | 7,785 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 7,207 |
| Cost of funding earning assets | 1.2560% | 6,692 |
| Net interest margin | 3.4926% | 4,889 |
| Noninterest income to average assets | 0.3874% | 5,414 |
| Noninterest expense to average assets | 2.8685% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6482% | 3,416 |
| Return on assets (ROA) | 0.6482% | 3,475 |
| Pretax return on assets | 0.7302% | 3,760 |
| Return on Equity (ROE) | 7.4193% | 2,900 |
| Retained earnings to average equity (ytd only) | 7.4193% | 1,342 |
| Net charge-offs to loans | -0.0169% | 7,745 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7101% | 2,895 |
| Assets per employee ($millions) | 2.4589% | 7,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9142% | 1,998 |
| Loan loss allowance to noncurrent loans | 176.4045% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 6,172 |
| Noncurrent loans to loans | 1.0851% | 5,138 |
| Net loans and leases to total assets | 46.7406% | 7,057 |
| Net loans and leases to deposits | 51.6699% | 7,317 |
| Net loans and leases to core deposits | 57.8860% | 7,470 |
| Total domestic deposits to total assets | 90.4601% | 606 |
| Equity capital to assets | 9.3772% | 4,916 |
| Core capital (leverage) ratio | 9.1335% | 4,440 |
| Tier 1 risk-based capital ratio | 16.8015% | 2,333 |
| Total risk-based capital ratio | 18.0519% | 2,287 |
| Memoranda: | ||
| Average total assets | $17,895,250 | 7,910 |
| Average earning assets | $16,453,500 | 7,885 |
| Average equity | $1,563,500 | 7,999 |
| Average total loans | $7,865,000 | 7,863 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 7,337 |
| Cost of funding earning assets | 1.2952% | 6,825 |
| Net interest margin | 3.4420% | 5,019 |
| Noninterest income to average assets | 0.3862% | 5,409 |
| Noninterest expense to average assets | 2.8362% | 4,797 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6621% | 3,418 |
| Return on assets (ROA) | 0.6621% | 3,528 |
| Pretax return on assets | 0.7173% | 3,946 |
| Return on Equity (ROE) | 7.7586% | 2,867 |
| Retained earnings to average equity (ytd only) | 7.7586% | 1,291 |
| Net charge-offs to loans | -0.0258% | 7,747 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8137% | 3,069 |
| Assets per employee ($millions) | 2.4661% | 7,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9768% | 1,617 |
| Loan loss allowance to noncurrent loans | 165.2632% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 6,044 |
| Noncurrent loans to loans | 1.1962% | 4,822 |
| Net loans and leases to total assets | 45.0964% | 7,255 |
| Net loans and leases to deposits | 49.7699% | 7,495 |
| Net loans and leases to core deposits | 55.8946% | 7,596 |
| Total domestic deposits to total assets | 90.6100% | 591 |
| Equity capital to assets | 9.1525% | 5,094 |
| Core capital (leverage) ratio | 8.8399% | 4,879 |
| Tier 1 risk-based capital ratio | 17.1186% | 2,266 |
| Total risk-based capital ratio | 18.3709% | 2,209 |
| Memoranda: | ||
| Average total assets | $18,123,000 | 7,985 |
| Average earning assets | $16,676,330 | 7,958 |
| Average equity | $1,546,670 | 8,087 |
| Average total loans | $7,752,670 | 7,955 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 7,511 |
| Cost of funding earning assets | 1.2923% | 7,036 |
| Net interest margin | 3.4069% | 5,114 |
| Noninterest income to average assets | 0.3450% | 5,693 |
| Noninterest expense to average assets | 2.8243% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6252% | 3,911 |
| Return on assets (ROA) | 0.6252% | 4,093 |
| Pretax return on assets | 0.6468% | 4,599 |
| Return on Equity (ROE) | 7.5817% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.5817% | 1,988 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3665% | 2,628 |
| Assets per employee ($millions) | 2.6514% | 6,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1016% | 1,234 |
| Loan loss allowance to noncurrent loans | 117.2932% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 5,352 |
| Noncurrent loans to loans | 1.7917% | 3,573 |
| Net loans and leases to total assets | 39.1541% | 7,608 |
| Net loans and leases to deposits | 42.8075% | 7,762 |
| Net loans and leases to core deposits | 47.4285% | 7,845 |
| Total domestic deposits to total assets | 91.4655% | 284 |
| Equity capital to assets | 8.3244% | 6,354 |
| Core capital (leverage) ratio | 8.5129% | 5,508 |
| Tier 1 risk-based capital ratio | 17.0862% | 2,309 |
| Total risk-based capital ratio | 18.3391% | 2,247 |
| Memoranda: | ||
| Average total assets | $18,553,000 | 8,020 |
| Average earning assets | $17,024,500 | 7,995 |
| Average equity | $1,530,000 | 8,148 |
| Average total loans | $7,658,000 | 8,005 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3722% | 7,502 |
| Cost of funding earning assets | 1.9848% | 6,458 |
| Net interest margin | 3.3874% | 5,710 |
| Noninterest income to average assets | 0.4233% | 5,273 |
| Noninterest expense to average assets | 2.7243% | 5,158 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5427% | 4,564 |
| Return on assets (ROA) | 0.5427% | 4,411 |
| Pretax return on assets | 0.6349% | 4,587 |
| Return on Equity (ROE) | 6.7898% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.7898% | 1,228 |
| Net charge-offs to loans | 0.0919% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 16.7143% | 1,824 |
| Efficiency ratio | 81.0985% | 2,430 |
| Assets per employee ($millions) | 2.6494% | 6,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9764% | 1,271 |
| Loan loss allowance to noncurrent loans | 90.6977% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.9382% | 4,480 |
| Noncurrent loans to loans | 2.1791% | 2,532 |
| Net loans and leases to total assets | 41.7179% | 7,601 |
| Net loans and leases to deposits | 45.5734% | 7,798 |
| Net loans and leases to core deposits | 49.9968% | 7,886 |
| Total domestic deposits to total assets | 91.5400% | 202 |
| Equity capital to assets | 8.1689% | 6,599 |
| Core capital (leverage) ratio | 7.8931% | 6,662 |
| Tier 1 risk-based capital ratio | 16.4027% | 2,519 |
| Total risk-based capital ratio | 17.6611% | 2,456 |
| Memoranda: | ||
| Average total assets | $18,426,800 | 8,065 |
| Average earning assets | $15,971,000 | 8,072 |
| Average equity | $1,472,800 | 8,222 |
| Average total loans | $7,615,200 | 8,050 |