Home > The Greenville Banking Company > Performance and Condition Ratios
The Greenville Banking Company, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3747% | 5,264 |
| Cost of funding earning assets | 0.2013% | 5,365 |
| Net interest margin | 3.1734% | 4,767 |
| Noninterest income to average assets | 0.9263% | 1,382 |
| Noninterest expense to average assets | 3.6351% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2012% | 6,044 |
| Return on assets (ROA) | -0.2012% | 6,059 |
| Pretax return on assets | -0.2012% | 6,049 |
| Return on Equity (ROE) | -1.3678% | 6,042 |
| Retained earnings to average equity (ytd only) | -1.3678% | 5,795 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8583% | 191 |
| Assets per employee ($millions) | 3.5218% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 35.0429% | 5,815 |
| Net loans and leases to deposits | 41.5810% | 5,816 |
| Net loans and leases to core deposits | 41.5810% | 5,866 |
| Total domestic deposits to total assets | 84.2763% | 3,313 |
| Equity capital to assets | 14.7973% | 784 |
| Core capital (leverage) ratio | 14.4830% | 744 |
| Tier 1 risk-based capital ratio | 43.5290% | 204 |
| Total risk-based capital ratio | 44.7712% | 200 |
| Memoranda: | ||
| Average total assets | $28,499,250 | 6,066 |
| Average earning assets | $22,520,250 | 6,105 |
| Average equity | $4,191,250 | 5,902 |
| Average total loans | $9,471,000 | 6,106 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 5,161 |
| Cost of funding earning assets | 0.2039% | 5,403 |
| Net interest margin | 3.2270% | 4,575 |
| Noninterest income to average assets | 0.8949% | 1,459 |
| Noninterest expense to average assets | 3.6773% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.2377% | 6,120 |
| Return on assets (ROA) | -0.2377% | 6,137 |
| Pretax return on assets | -0.2377% | 6,127 |
| Return on Equity (ROE) | -1.6196% | 6,114 |
| Retained earnings to average equity (ytd only) | -1.6196% | 5,789 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9106% | 209 |
| Assets per employee ($millions) | 3.5808% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 3,229 |
| Loan loss allowance to noncurrent loans | 417.8571% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 5,475 |
| Noncurrent loans to loans | 0.3118% | 4,573 |
| Net loans and leases to total assets | 30.9363% | 6,010 |
| Net loans and leases to deposits | 36.4406% | 6,019 |
| Net loans and leases to core deposits | 36.4406% | 6,057 |
| Total domestic deposits to total assets | 84.8949% | 3,167 |
| Equity capital to assets | 14.4697% | 826 |
| Core capital (leverage) ratio | 14.2759% | 768 |
| Tier 1 risk-based capital ratio | 51.3059% | 137 |
| Total risk-based capital ratio | 52.5560% | 135 |
| Memoranda: | ||
| Average total assets | $28,607,670 | 6,131 |
| Average earning assets | $22,559,670 | 6,172 |
| Average equity | $4,198,670 | 5,959 |
| Average total loans | $9,298,000 | 6,176 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5123% | 4,922 |
| Cost of funding earning assets | 0.1971% | 5,540 |
| Net interest margin | 3.3152% | 4,152 |
| Noninterest income to average assets | 0.8255% | 1,617 |
| Noninterest expense to average assets | 3.7078% | 1,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2938% | 6,185 |
| Return on assets (ROA) | -0.2938% | 6,205 |
| Pretax return on assets | -0.2938% | 6,188 |
| Return on Equity (ROE) | -1.9879% | 6,172 |
| Retained earnings to average equity (ytd only) | -1.9879% | 5,687 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6066% | 204 |
| Assets per employee ($millions) | 3.3516% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 3,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 29.5684% | 6,089 |
| Net loans and leases to deposits | 34.7597% | 6,103 |
| Net loans and leases to core deposits | 34.7597% | 6,129 |
| Total domestic deposits to total assets | 85.0650% | 3,373 |
| Equity capital to assets | 14.1228% | 943 |
| Core capital (leverage) ratio | 14.6107% | 668 |
| Tier 1 risk-based capital ratio | 29.6845% | 554 |
| Total risk-based capital ratio | 29.6845% | 616 |
| Memoranda: | ||
| Average total assets | $28,588,500 | 6,196 |
| Average earning assets | $22,321,500 | 6,244 |
| Average equity | $4,225,500 | 6,010 |
| Average total loans | $9,457,500 | 6,243 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 3,362 |
| Cost of funding earning assets | 0.2298% | 5,526 |
| Net interest margin | 3.8603% | 2,391 |
| Noninterest income to average assets | 0.9660% | 1,302 |
| Noninterest expense to average assets | 3.9555% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1098% | 5,944 |
| Return on assets (ROA) | 0.1098% | 5,977 |
| Pretax return on assets | 0.0842% | 6,006 |
| Return on Equity (ROE) | 0.7305% | 6,000 |
| Retained earnings to average equity (ytd only) | -1.0957% | 5,933 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9167% | 426 |
| Assets per employee ($millions) | 2.7013% | 6,024 |
| Cash dividends to net income (ytd only)* | 250.0000% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 4,104 |
| Loan loss allowance to noncurrent loans | 365.6250% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 5,558 |
| Noncurrent loans to loans | 0.3239% | 4,678 |
| Net loans and leases to total assets | 36.1382% | 5,946 |
| Net loans and leases to deposits | 43.1260% | 5,921 |
| Net loans and leases to core deposits | 43.1260% | 5,988 |
| Total domestic deposits to total assets | 83.7967% | 3,805 |
| Equity capital to assets | 15.5148% | 604 |
| Core capital (leverage) ratio | 15.9788% | 472 |
| Tier 1 risk-based capital ratio | 21.5362% | 1,304 |
| Total risk-based capital ratio | 22.1377% | 1,403 |
| Memoranda: | ||
| Average total assets | $27,329,000 | 6,304 |
| Average earning assets | $21,759,800 | 6,334 |
| Average equity | $4,106,800 | 6,070 |
| Average total loans | $11,161,800 | 6,279 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 3,423 |
| Cost of funding earning assets | 0.2292% | 5,595 |
| Net interest margin | 3.8597% | 2,394 |
| Noninterest income to average assets | 0.9875% | 1,260 |
| Noninterest expense to average assets | 3.8236% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2675% | 5,687 |
| Return on assets (ROA) | 0.2675% | 5,751 |
| Pretax return on assets | 0.2773% | 5,814 |
| Return on Equity (ROE) | 1.7948% | 5,884 |
| Retained earnings to average equity (ytd only) | -0.6528% | 5,901 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2384% | 633 |
| Assets per employee ($millions) | 2.5746% | 6,170 |
| Cash dividends to net income (ytd only)* | 136.3698% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 5,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 44.8691% | 5,461 |
| Net loans and leases to deposits | 53.9813% | 5,389 |
| Net loans and leases to core deposits | 53.9813% | 5,566 |
| Total domestic deposits to total assets | 83.1197% | 4,089 |
| Equity capital to assets | 16.1656% | 537 |
| Core capital (leverage) ratio | 15.9089% | 492 |
| Tier 1 risk-based capital ratio | 21.7659% | 1,298 |
| Total risk-based capital ratio | 22.3703% | 1,405 |
| Memoranda: | ||
| Average total assets | $27,408,000 | 6,379 |
| Average earning assets | $22,108,000 | 6,406 |
| Average equity | $4,085,750 | 6,144 |
| Average total loans | $11,482,500 | 6,336 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 3,428 |
| Cost of funding earning assets | 0.2301% | 5,659 |
| Net interest margin | 3.8501% | 2,376 |
| Noninterest income to average assets | 0.9942% | 1,218 |
| Noninterest expense to average assets | 3.7265% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3648% | 5,354 |
| Return on assets (ROA) | 0.3648% | 5,422 |
| Pretax return on assets | 0.3791% | 5,615 |
| Return on Equity (ROE) | 2.5121% | 5,687 |
| Retained earnings to average equity (ytd only) | -1.1822% | 5,882 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7666% | 851 |
| Assets per employee ($millions) | 2.7555% | 6,081 |
| Cash dividends to net income (ytd only)* | 147.0588% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 4,970 |
| Loan loss allowance to noncurrent loans | 417.8571% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 5,848 |
| Noncurrent loans to loans | 0.2594% | 5,240 |
| Net loans and leases to total assets | 38.7552% | 5,907 |
| Net loans and leases to deposits | 45.9272% | 5,885 |
| Net loans and leases to core deposits | 45.9272% | 6,000 |
| Total domestic deposits to total assets | 84.3840% | 3,789 |
| Equity capital to assets | 15.0027% | 697 |
| Core capital (leverage) ratio | 14.9113% | 621 |
| Tier 1 risk-based capital ratio | 21.3060% | 1,382 |
| Total risk-based capital ratio | 21.8983% | 1,499 |
| Memoranda: | ||
| Average total assets | $27,962,000 | 6,428 |
| Average earning assets | $22,596,670 | 6,464 |
| Average equity | $4,060,330 | 6,194 |
| Average total loans | $11,420,330 | 6,398 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 3,420 |
| Cost of funding earning assets | 0.2239% | 5,808 |
| Net interest margin | 3.8415% | 2,299 |
| Noninterest income to average assets | 1.0651% | 984 |
| Noninterest expense to average assets | 3.7067% | 1,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4971% | 4,708 |
| Return on assets (ROA) | 0.4971% | 4,787 |
| Pretax return on assets | 0.5255% | 5,093 |
| Return on Equity (ROE) | 3.4796% | 5,283 |
| Retained earnings to average equity (ytd only) | -3.9766% | 6,060 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5839% | 1,274 |
| Assets per employee ($millions) | 2.9543% | 5,906 |
| Cash dividends to net income (ytd only)* | 214.2857% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 5,548 |
| Loan loss allowance to noncurrent loans | 1,671.4286% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 6,227 |
| Noncurrent loans to loans | 0.0595% | 5,972 |
| Net loans and leases to total assets | 39.4374% | 5,849 |
| Net loans and leases to deposits | 45.9624% | 5,855 |
| Net loans and leases to core deposits | 45.9624% | 5,995 |
| Total domestic deposits to total assets | 85.8037% | 3,465 |
| Equity capital to assets | 13.7156% | 1,030 |
| Core capital (leverage) ratio | 14.2838% | 735 |
| Tier 1 risk-based capital ratio | 20.1616% | 1,680 |
| Total risk-based capital ratio | 20.7241% | 1,811 |
| Memoranda: | ||
| Average total assets | $28,165,500 | 6,491 |
| Average earning assets | $23,220,000 | 6,520 |
| Average equity | $4,023,500 | 6,247 |
| Average total loans | $11,732,500 | 6,451 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 2,537 |
| Cost of funding earning assets | 0.2625% | 5,890 |
| Net interest margin | 4.1508% | 1,496 |
| Noninterest income to average assets | 0.9482% | 1,527 |
| Noninterest expense to average assets | 3.7241% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5682% | 4,420 |
| Return on assets (ROA) | 0.5682% | 4,525 |
| Pretax return on assets | 0.6008% | 4,871 |
| Return on Equity (ROE) | 3.8244% | 5,190 |
| Retained earnings to average equity (ytd only) | 2.1436% | 4,716 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1088% | 1,406 |
| Assets per employee ($millions) | 2.9764% | 5,863 |
| Cash dividends to net income (ytd only)* | 43.9490% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 5,566 |
| Loan loss allowance to noncurrent loans | 74.5223% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 4,392 |
| Noncurrent loans to loans | 1.3422% | 2,894 |
| Net loans and leases to total assets | 43.2283% | 5,742 |
| Net loans and leases to deposits | 51.4255% | 5,665 |
| Net loans and leases to core deposits | 51.4255% | 5,845 |
| Total domestic deposits to total assets | 84.0600% | 4,145 |
| Equity capital to assets | 14.9134% | 685 |
| Core capital (leverage) ratio | 15.4653% | 548 |
| Tier 1 risk-based capital ratio | 22.6025% | 1,161 |
| Total risk-based capital ratio | 23.2273% | 1,241 |
| Memoranda: | ||
| Average total assets | $27,630,600 | 6,568 |
| Average earning assets | $22,477,400 | 6,611 |
| Average equity | $4,105,200 | 6,300 |
| Average total loans | $12,164,800 | 6,512 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 2,638 |
| Cost of funding earning assets | 0.2738% | 5,932 |
| Net interest margin | 4.1136% | 1,592 |
| Noninterest income to average assets | 0.9051% | 1,742 |
| Noninterest expense to average assets | 3.6587% | 1,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5220% | 4,708 |
| Return on assets (ROA) | 0.5220% | 4,857 |
| Pretax return on assets | 0.5555% | 5,186 |
| Return on Equity (ROE) | 3.5165% | 5,426 |
| Retained earnings to average equity (ytd only) | 1.2904% | 5,470 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8182% | 1,284 |
| Assets per employee ($millions) | 3.0519% | 5,765 |
| Cash dividends to net income (ytd only)* | 63.3042% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 6,154 |
| Loan loss allowance to noncurrent loans | 1,462.5000% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 6,276 |
| Noncurrent loans to loans | 0.0588% | 6,168 |
| Net loans and leases to total assets | 49.0698% | 5,241 |
| Net loans and leases to deposits | 58.1525% | 5,171 |
| Net loans and leases to core deposits | 58.1525% | 5,438 |
| Total domestic deposits to total assets | 84.3813% | 4,037 |
| Equity capital to assets | 14.5192% | 824 |
| Core capital (leverage) ratio | 15.6926% | 540 |
| Tier 1 risk-based capital ratio | 20.6890% | 1,564 |
| Total risk-based capital ratio | 21.2672% | 1,708 |
| Memoranda: | ||
| Average total assets | $27,841,250 | 6,644 |
| Average earning assets | $22,396,500 | 6,689 |
| Average equity | $4,132,750 | 6,371 |
| Average total loans | $12,281,750 | 6,576 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 2,246 |
| Cost of funding earning assets | 0.2907% | 5,895 |
| Net interest margin | 4.1965% | 1,282 |
| Noninterest income to average assets | 0.9154% | 1,764 |
| Noninterest expense to average assets | 3.6401% | 1,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5435% | 4,583 |
| Return on assets (ROA) | 0.5435% | 4,755 |
| Pretax return on assets | 0.5793% | 5,101 |
| Return on Equity (ROE) | 3.6355% | 5,368 |
| Retained earnings to average equity (ytd only) | 0.3348% | 5,760 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2712% | 1,387 |
| Assets per employee ($millions) | 2.9844% | 5,876 |
| Cash dividends to net income (ytd only)* | 90.7895% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 5,852 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 6,440 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 43.4438% | 5,789 |
| Net loans and leases to deposits | 51.4370% | 5,738 |
| Net loans and leases to core deposits | 51.4370% | 5,928 |
| Total domestic deposits to total assets | 84.4602% | 4,140 |
| Equity capital to assets | 14.9255% | 727 |
| Core capital (leverage) ratio | 15.2594% | 571 |
| Tier 1 risk-based capital ratio | 21.0727% | 1,473 |
| Total risk-based capital ratio | 21.6663% | 1,602 |
| Memoranda: | ||
| Average total assets | $27,966,000 | 6,691 |
| Average earning assets | $22,018,330 | 6,744 |
| Average equity | $4,181,000 | 6,409 |
| Average total loans | $11,844,000 | 6,636 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 2,384 |
| Cost of funding earning assets | 0.3056% | 5,928 |
| Net interest margin | 4.1346% | 1,361 |
| Noninterest income to average assets | 0.9257% | 1,674 |
| Noninterest expense to average assets | 3.5205% | 1,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5891% | 4,275 |
| Return on assets (ROA) | 0.5891% | 4,421 |
| Pretax return on assets | 0.6312% | 4,835 |
| Return on Equity (ROE) | 3.9372% | 5,126 |
| Retained earnings to average equity (ytd only) | -2.5311% | 6,142 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7973% | 1,667 |
| Assets per employee ($millions) | 2.8269% | 6,246 |
| Cash dividends to net income (ytd only)* | 164.2857% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 6,093 |
| Loan loss allowance to noncurrent loans | 900.0000% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 6,375 |
| Noncurrent loans to loans | 0.1071% | 6,160 |
| Net loans and leases to total assets | 42.5342% | 5,806 |
| Net loans and leases to deposits | 50.6786% | 5,736 |
| Net loans and leases to core deposits | 50.6786% | 5,920 |
| Total domestic deposits to total assets | 83.9294% | 4,506 |
| Equity capital to assets | 15.0129% | 754 |
| Core capital (leverage) ratio | 14.6589% | 640 |
| Tier 1 risk-based capital ratio | 20.0185% | 1,764 |
| Total risk-based capital ratio | 20.5871% | 1,921 |
| Memoranda: | ||
| Average total assets | $28,519,000 | 6,746 |
| Average earning assets | $22,251,000 | 6,809 |
| Average equity | $4,267,000 | 6,454 |
| Average total loans | $11,873,000 | 6,703 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7847% | 2,253 |
| Cost of funding earning assets | 0.4635% | 5,465 |
| Net interest margin | 4.3212% | 1,347 |
| Noninterest income to average assets | 0.9440% | 1,727 |
| Noninterest expense to average assets | 3.8560% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4107% | 5,053 |
| Return on assets (ROA) | 0.5011% | 4,937 |
| Pretax return on assets | 0.5374% | 5,173 |
| Return on Equity (ROE) | 3.2376% | 5,454 |
| Retained earnings to average equity (ytd only) | 1.1261% | 5,314 |
| Net charge-offs to loans | 0.0564% | 5,139 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 17.2857% | 1,513 |
| Efficiency ratio | 89.7718% | 1,090 |
| Assets per employee ($millions) | 2.8769% | 6,201 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 5,932 |
| Loan loss allowance to noncurrent loans | 1,063.6364% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 6,075 |
| Noncurrent loans to loans | 0.0948% | 6,250 |
| Net loans and leases to total assets | 39.9319% | 6,171 |
| Net loans and leases to deposits | 47.5280% | 6,140 |
| Net loans and leases to core deposits | 47.5280% | 6,296 |
| Total domestic deposits to total assets | 84.0175% | 4,306 |
| Equity capital to assets | 14.9119% | 764 |
| Core capital (leverage) ratio | 15.0005% | 567 |
| Tier 1 risk-based capital ratio | 20.2422% | 1,617 |
| Total risk-based capital ratio | 20.8134% | 1,765 |
| Memoranda: | ||
| Average total assets | $27,541,200 | 6,813 |
| Average earning assets | $21,359,800 | 6,878 |
| Average equity | $4,262,400 | 6,511 |
| Average total loans | $12,417,200 | 6,760 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8654% | 2,135 |
| Cost of funding earning assets | 0.4922% | 5,488 |
| Net interest margin | 4.3732% | 1,270 |
| Noninterest income to average assets | 0.9987% | 1,502 |
| Noninterest expense to average assets | 3.8725% | 1,104 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4841% | 4,904 |
| Return on assets (ROA) | 0.6071% | 4,619 |
| Pretax return on assets | 0.6511% | 5,008 |
| Return on Equity (ROE) | 3.8851% | 5,333 |
| Retained earnings to average equity (ytd only) | 1.0652% | 5,741 |
| Net charge-offs to loans | 0.0739% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 15.1479% | 1,786 |
| Efficiency ratio | 88.1828% | 1,176 |
| Assets per employee ($millions) | 2.7338% | 6,448 |
| Cash dividends to net income (ytd only)* | 72.5821% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 6,452 |
| Loan loss allowance to noncurrent loans | 205.2632% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 6,115 |
| Noncurrent loans to loans | 0.4255% | 5,599 |
| Net loans and leases to total assets | 48.5771% | 5,480 |
| Net loans and leases to deposits | 58.5202% | 5,377 |
| Net loans and leases to core deposits | 58.5202% | 5,702 |
| Total domestic deposits to total assets | 83.0090% | 4,633 |
| Equity capital to assets | 15.7034% | 662 |
| Core capital (leverage) ratio | 15.6661% | 517 |
| Tier 1 risk-based capital ratio | 20.0204% | 1,751 |
| Total risk-based capital ratio | 20.5874% | 1,887 |
| Memoranda: | ||
| Average total assets | $27,234,250 | 6,909 |
| Average earning assets | $21,128,250 | 6,972 |
| Average equity | $4,255,500 | 6,585 |
| Average total loans | $12,620,250 | 6,841 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 1,803 |
| Cost of funding earning assets | 0.5348% | 5,407 |
| Net interest margin | 4.4597% | 1,062 |
| Noninterest income to average assets | 1.0515% | 1,311 |
| Noninterest expense to average assets | 3.8750% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5600% | 4,537 |
| Return on assets (ROA) | 0.7427% | 3,912 |
| Pretax return on assets | 0.8088% | 4,448 |
| Return on Equity (ROE) | 4.7608% | 4,931 |
| Retained earnings to average equity (ytd only) | 0.5185% | 5,863 |
| Net charge-offs to loans | 0.1133% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.8571% | 1,931 |
| Efficiency ratio | 86.3934% | 1,395 |
| Assets per employee ($millions) | 2.6690% | 6,572 |
| Cash dividends to net income (ytd only)* | 89.1089% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 6,390 |
| Loan loss allowance to noncurrent loans | 900.0000% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 6,618 |
| Noncurrent loans to loans | 0.1030% | 6,408 |
| Net loans and leases to total assets | 46.8565% | 5,739 |
| Net loans and leases to deposits | 56.6369% | 5,586 |
| Net loans and leases to core deposits | 56.6369% | 5,894 |
| Total domestic deposits to total assets | 82.7314% | 4,862 |
| Equity capital to assets | 15.9873% | 581 |
| Core capital (leverage) ratio | 15.5072% | 523 |
| Tier 1 risk-based capital ratio | 21.5191% | 1,384 |
| Total risk-based capital ratio | 22.1320% | 1,476 |
| Memoranda: | ||
| Average total assets | $27,199,670 | 6,967 |
| Average earning assets | $20,943,330 | 7,032 |
| Average equity | $4,243,000 | 6,620 |
| Average total loans | $12,361,330 | 6,907 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 1,475 |
| Cost of funding earning assets | 0.5517% | 5,487 |
| Net interest margin | 4.5850% | 848 |
| Noninterest income to average assets | 1.1801% | 1,026 |
| Noninterest expense to average assets | 3.8172% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7853% | 3,444 |
| Return on assets (ROA) | 0.7722% | 3,752 |
| Pretax return on assets | 0.8596% | 4,194 |
| Return on Equity (ROE) | 5.0106% | 4,780 |
| Retained earnings to average equity (ytd only) | -3.4980% | 6,445 |
| Net charge-offs to loans | 0.1962% | 2,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,788 |
| Efficiency ratio | 81.3665% | 2,026 |
| Assets per employee ($millions) | 2.7195% | 6,605 |
| Cash dividends to net income (ytd only)* | 169.8113% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 6,412 |
| Loan loss allowance to noncurrent loans | 3,933.3333% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 6,723 |
| Noncurrent loans to loans | 0.0242% | 6,719 |
| Net loans and leases to total assets | 45.1627% | 5,877 |
| Net loans and leases to deposits | 54.2012% | 5,789 |
| Net loans and leases to core deposits | 54.2012% | 6,042 |
| Total domestic deposits to total assets | 83.3241% | 4,806 |
| Equity capital to assets | 15.4771% | 667 |
| Core capital (leverage) ratio | 15.0276% | 597 |
| Tier 1 risk-based capital ratio | 20.4647% | 1,599 |
| Total risk-based capital ratio | 21.0595% | 1,730 |
| Memoranda: | ||
| Average total assets | $27,454,500 | 7,018 |
| Average earning assets | $21,025,000 | 7,090 |
| Average equity | $4,231,000 | 6,651 |
| Average total loans | $12,230,500 | 6,973 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1647% | 2,204 |
| Cost of funding earning assets | 0.6394% | 5,875 |
| Net interest margin | 4.5253% | 1,081 |
| Noninterest income to average assets | 1.1216% | 1,053 |
| Noninterest expense to average assets | 3.9611% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7241% | 3,365 |
| Return on assets (ROA) | 0.6673% | 3,835 |
| Pretax return on assets | 0.6708% | 4,433 |
| Return on Equity (ROE) | 4.5277% | 4,613 |
| Retained earnings to average equity (ytd only) | 2.6010% | 4,374 |
| Net charge-offs to loans | 0.1897% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,192 |
| Efficiency ratio | 84.4815% | 1,711 |
| Assets per employee ($millions) | 2.7714% | 6,499 |
| Cash dividends to net income (ytd only)* | 42.5532% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 6,078 |
| Loan loss allowance to noncurrent loans | 2,480.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 6,773 |
| Noncurrent loans to loans | 0.0415% | 6,722 |
| Net loans and leases to total assets | 43.0721% | 6,295 |
| Net loans and leases to deposits | 51.5459% | 6,252 |
| Net loans and leases to core deposits | 51.5459% | 6,453 |
| Total domestic deposits to total assets | 83.5607% | 4,514 |
| Equity capital to assets | 15.3460% | 706 |
| Core capital (leverage) ratio | 14.6425% | 678 |
| Tier 1 risk-based capital ratio | 20.1001% | 1,617 |
| Total risk-based capital ratio | 20.7083% | 1,743 |
| Memoranda: | ||
| Average total assets | $28,173,800 | 7,021 |
| Average earning assets | $22,208,400 | 7,100 |
| Average equity | $4,152,200 | 6,714 |
| Average total loans | $13,181,800 | 6,978 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1361% | 2,448 |
| Cost of funding earning assets | 0.6442% | 6,063 |
| Net interest margin | 4.4919% | 1,173 |
| Noninterest income to average assets | 1.1218% | 1,049 |
| Noninterest expense to average assets | 3.8884% | 1,172 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7400% | 3,430 |
| Return on assets (ROA) | 0.7400% | 3,598 |
| Pretax return on assets | 0.8154% | 4,069 |
| Return on Equity (ROE) | 5.0722% | 4,501 |
| Retained earnings to average equity (ytd only) | 2.4875% | 4,878 |
| Net charge-offs to loans | 0.1486% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 11.5330% | 1,800 |
| Efficiency ratio | 82.6653% | 1,882 |
| Assets per employee ($millions) | 2.7559% | 6,567 |
| Cash dividends to net income (ytd only)* | 50.9530% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 6,082 |
| Loan loss allowance to noncurrent loans | 418.7500% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 6,498 |
| Noncurrent loans to loans | 0.2486% | 6,377 |
| Net loans and leases to total assets | 46.2245% | 6,129 |
| Net loans and leases to deposits | 56.7338% | 5,955 |
| Net loans and leases to core deposits | 56.7338% | 6,251 |
| Total domestic deposits to total assets | 81.4761% | 5,265 |
| Equity capital to assets | 15.3888% | 751 |
| Core capital (leverage) ratio | 14.3914% | 794 |
| Tier 1 risk-based capital ratio | 19.1213% | 1,890 |
| Total risk-based capital ratio | 19.7516% | 2,051 |
| Memoranda: | ||
| Average total assets | $28,288,750 | 7,087 |
| Average earning assets | $22,558,750 | 7,162 |
| Average equity | $4,127,000 | 6,771 |
| Average total loans | $13,462,000 | 7,042 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9851% | 3,230 |
| Cost of funding earning assets | 0.6349% | 6,299 |
| Net interest margin | 4.3502% | 1,511 |
| Noninterest income to average assets | 1.1566% | 960 |
| Noninterest expense to average assets | 3.8763% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7500% | 3,290 |
| Return on assets (ROA) | 0.7500% | 3,412 |
| Pretax return on assets | 0.8342% | 3,893 |
| Return on Equity (ROE) | 5.2336% | 4,345 |
| Retained earnings to average equity (ytd only) | 1.3206% | 5,321 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2917% | 2,063 |
| Assets per employee ($millions) | 2.6738% | 6,674 |
| Cash dividends to net income (ytd only)* | 74.7664% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 5,985 |
| Loan loss allowance to noncurrent loans | 236.5079% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 6,262 |
| Noncurrent loans to loans | 0.4626% | 5,984 |
| Net loans and leases to total assets | 50.3740% | 5,773 |
| Net loans and leases to deposits | 60.4723% | 5,678 |
| Net loans and leases to core deposits | 60.4723% | 6,052 |
| Total domestic deposits to total assets | 83.3009% | 4,639 |
| Equity capital to assets | 15.5098% | 698 |
| Core capital (leverage) ratio | 14.8292% | 700 |
| Tier 1 risk-based capital ratio | 20.0349% | 1,602 |
| Total risk-based capital ratio | 20.7784% | 1,682 |
| Memoranda: | ||
| Average total assets | $28,532,000 | 7,146 |
| Average earning assets | $23,309,330 | 7,205 |
| Average equity | $4,089,000 | 6,823 |
| Average total loans | $13,658,330 | 7,104 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7219% | 4,414 |
| Cost of funding earning assets | 0.6252% | 6,502 |
| Net interest margin | 4.0967% | 2,279 |
| Noninterest income to average assets | 1.1553% | 978 |
| Noninterest expense to average assets | 3.7378% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6932% | 3,539 |
| Return on assets (ROA) | 0.6932% | 3,609 |
| Pretax return on assets | 0.8019% | 3,897 |
| Return on Equity (ROE) | 5.0246% | 4,392 |
| Retained earnings to average equity (ytd only) | -2.8571% | 6,270 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3353% | 2,174 |
| Assets per employee ($millions) | 2.9240% | 6,296 |
| Cash dividends to net income (ytd only)* | 156.8627% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 6,040 |
| Loan loss allowance to noncurrent loans | 108.7591% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.7627% | 5,392 |
| Noncurrent loans to loans | 1.0128% | 5,032 |
| Net loans and leases to total assets | 45.7524% | 6,308 |
| Net loans and leases to deposits | 53.6687% | 6,323 |
| Net loans and leases to core deposits | 53.6687% | 6,576 |
| Total domestic deposits to total assets | 85.2497% | 3,922 |
| Equity capital to assets | 13.8133% | 1,062 |
| Core capital (leverage) ratio | 13.4110% | 992 |
| Tier 1 risk-based capital ratio | 19.3265% | 1,728 |
| Total risk-based capital ratio | 20.0537% | 1,822 |
| Memoranda: | ||
| Average total assets | $29,429,000 | 7,169 |
| Average earning assets | $24,312,000 | 7,218 |
| Average equity | $4,060,000 | 6,866 |
| Average total loans | $13,678,500 | 7,159 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2580% | 3,324 |
| Cost of funding earning assets | 0.6873% | 6,918 |
| Net interest margin | 4.5707% | 1,079 |
| Noninterest income to average assets | 1.4676% | 673 |
| Noninterest expense to average assets | 4.0959% | 1,026 |
| Loan and lease loss provision to assets | 0.1764% | 5,464 |
| Net operating income to assets | 0.8969% | 2,400 |
| Return on assets (ROA) | 1.0196% | 2,081 |
| Pretax return on assets | 1.0795% | 2,664 |
| Return on Equity (ROE) | 7.3432% | 2,951 |
| Retained earnings to average equity (ytd only) | 6.0728% | 1,775 |
| Net charge-offs to loans | 0.5865% | 3,276 |
| Credit loss provision to net charge-offs | 58.8235% | 6,101 |
| Earnings coverage of net charge-offs (x) | 3.7529% | 3,207 |
| Efficiency ratio | 78.4459% | 2,628 |
| Assets per employee ($millions) | 2.6925% | 6,702 |
| Cash dividends to net income (ytd only)* | 17.3010% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 6,036 |
| Loan loss allowance to noncurrent loans | 363.4146% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 6,203 |
| Noncurrent loans to loans | 0.2965% | 6,465 |
| Net loans and leases to total assets | 46.1915% | 6,542 |
| Net loans and leases to deposits | 54.1715% | 6,597 |
| Net loans and leases to core deposits | 54.1715% | 6,802 |
| Total domestic deposits to total assets | 85.2691% | 3,728 |
| Equity capital to assets | 13.7788% | 1,102 |
| Core capital (leverage) ratio | 14.4237% | 762 |
| Tier 1 risk-based capital ratio | 20.0040% | 1,488 |
| Total risk-based capital ratio | 20.7514% | 1,567 |
| Memoranda: | ||
| Average total assets | $28,345,400 | 7,260 |
| Average earning assets | $23,278,600 | 7,315 |
| Average equity | $3,935,600 | 7,020 |
| Average total loans | $14,492,000 | 7,187 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4133% | 2,819 |
| Cost of funding earning assets | 0.7020% | 7,056 |
| Net interest margin | 4.7112% | 824 |
| Noninterest income to average assets | 1.0133% | 1,431 |
| Noninterest expense to average assets | 4.1863% | 844 |
| Loan and lease loss provision to assets | 0.2379% | 4,696 |
| Net operating income to assets | 0.4519% | 4,531 |
| Return on assets (ROA) | 0.5946% | 4,055 |
| Pretax return on assets | 0.5946% | 4,616 |
| Return on Equity (ROE) | 4.2742% | 4,654 |
| Retained earnings to average equity (ytd only) | 2.5646% | 4,626 |
| Net charge-offs to loans | 0.7823% | 2,478 |
| Credit loss provision to net charge-offs | 58.1395% | 5,743 |
| Earnings coverage of net charge-offs (x) | 1.6861% | 4,440 |
| Efficiency ratio | 85.8537% | 1,648 |
| Assets per employee ($millions) | 2.4255% | 7,168 |
| Cash dividends to net income (ytd only)* | 40.0036% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 6,573 |
| Loan loss allowance to noncurrent loans | 358.5366% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 6,235 |
| Noncurrent loans to loans | 0.2648% | 6,657 |
| Net loans and leases to total assets | 57.4791% | 5,340 |
| Net loans and leases to deposits | 68.5193% | 5,345 |
| Net loans and leases to core deposits | 68.5193% | 5,888 |
| Total domestic deposits to total assets | 83.8874% | 4,192 |
| Equity capital to assets | 14.8758% | 921 |
| Core capital (leverage) ratio | 13.7813% | 971 |
| Tier 1 risk-based capital ratio | 19.1729% | 1,711 |
| Total risk-based capital ratio | 19.9098% | 1,797 |
| Memoranda: | ||
| Average total assets | $28,027,250 | 7,361 |
| Average earning assets | $22,980,000 | 7,416 |
| Average equity | $3,899,250 | 7,114 |
| Average total loans | $14,657,500 | 7,276 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3048% | 3,451 |
| Cost of funding earning assets | 0.6803% | 7,233 |
| Net interest margin | 4.6245% | 943 |
| Noninterest income to average assets | 0.9763% | 1,445 |
| Noninterest expense to average assets | 4.0666% | 965 |
| Loan and lease loss provision to assets | 0.3512% | 3,613 |
| Net operating income to assets | 0.3301% | 5,063 |
| Return on assets (ROA) | 0.5408% | 4,286 |
| Pretax return on assets | 0.5408% | 4,773 |
| Return on Equity (ROE) | 3.9732% | 4,789 |
| Retained earnings to average equity (ytd only) | 1.3932% | 5,183 |
| Net charge-offs to loans | 1.1820% | 1,610 |
| Credit loss provision to net charge-offs | 58.8235% | 5,231 |
| Earnings coverage of net charge-offs (x) | 1.1412% | 4,650 |
| Efficiency ratio | 85.6509% | 1,757 |
| Assets per employee ($millions) | 2.3011% | 7,348 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 6,211 |
| Loan loss allowance to noncurrent loans | 90.7975% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 5,743 |
| Noncurrent loans to loans | 1.1502% | 5,039 |
| Net loans and leases to total assets | 50.7877% | 6,336 |
| Net loans and leases to deposits | 60.0214% | 6,408 |
| Net loans and leases to core deposits | 60.0214% | 6,715 |
| Total domestic deposits to total assets | 84.6159% | 3,811 |
| Equity capital to assets | 14.1853% | 1,108 |
| Core capital (leverage) ratio | 13.9842% | 929 |
| Tier 1 risk-based capital ratio | 18.9447% | 1,735 |
| Total risk-based capital ratio | 19.6870% | 1,822 |
| Memoranda: | ||
| Average total assets | $28,476,000 | 7,402 |
| Average earning assets | $23,224,330 | 7,466 |
| Average equity | $3,876,000 | 7,157 |
| Average total loans | $14,382,330 | 7,341 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2336% | 3,857 |
| Cost of funding earning assets | 0.6731% | 7,390 |
| Net interest margin | 4.5605% | 1,027 |
| Noninterest income to average assets | 0.9409% | 1,483 |
| Noninterest expense to average assets | 3.9851% | 1,054 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6227% | 3,788 |
| Return on assets (ROA) | 0.6227% | 3,925 |
| Pretax return on assets | 0.7057% | 4,210 |
| Return on Equity (ROE) | 4.6687% | 4,551 |
| Retained earnings to average equity (ytd only) | -0.5187% | 5,954 |
| Net charge-offs to loans | 0.2485% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,350 |
| Efficiency ratio | 84.9558% | 1,912 |
| Assets per employee ($millions) | 2.4061% | 7,323 |
| Cash dividends to net income (ytd only)* | 111.1111% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 5,430 |
| Loan loss allowance to noncurrent loans | 110.8280% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 5,903 |
| Noncurrent loans to loans | 1.0961% | 5,166 |
| Net loans and leases to total assets | 49.0077% | 6,580 |
| Net loans and leases to deposits | 57.3130% | 6,671 |
| Net loans and leases to core deposits | 57.3130% | 6,918 |
| Total domestic deposits to total assets | 85.5090% | 3,411 |
| Equity capital to assets | 13.3827% | 1,371 |
| Core capital (leverage) ratio | 13.1017% | 1,183 |
| Tier 1 risk-based capital ratio | 19.2209% | 1,670 |
| Total risk-based capital ratio | 20.1139% | 1,711 |
| Memoranda: | ||
| Average total assets | $28,907,500 | 7,481 |
| Average earning assets | $23,769,500 | 7,540 |
| Average equity | $3,855,500 | 7,228 |
| Average total loans | $14,487,500 | 7,429 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8448% | 2,462 |
| Cost of funding earning assets | 0.8952% | 7,413 |
| Net interest margin | 4.9497% | 498 |
| Noninterest income to average assets | 0.9434% | 1,778 |
| Noninterest expense to average assets | 4.5477% | 759 |
| Loan and lease loss provision to assets | 0.1879% | 5,844 |
| Net operating income to assets | 0.4006% | 4,127 |
| Return on assets (ROA) | 0.4473% | 4,059 |
| Pretax return on assets | 0.5074% | 4,161 |
| Return on Equity (ROE) | 3.1191% | 4,454 |
| Retained earnings to average equity (ytd only) | 0.4980% | 4,627 |
| Net charge-offs to loans | 0.3464% | 4,503 |
| Credit loss provision to net charge-offs | 96.1538% | 5,769 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,433 |
| Efficiency ratio | 87.7447% | 1,907 |
| Assets per employee ($millions) | 2.4118% | 7,341 |
| Cash dividends to net income (ytd only)* | 84.0336% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 5,017 |
| Loan loss allowance to noncurrent loans | 118.7097% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 5,859 |
| Noncurrent loans to loans | 1.0579% | 5,205 |
| Net loans and leases to total assets | 49.9862% | 6,642 |
| Net loans and leases to deposits | 58.3417% | 6,763 |
| Net loans and leases to core deposits | 63.2548% | 7,133 |
| Total domestic deposits to total assets | 85.6783% | 3,180 |
| Equity capital to assets | 13.2921% | 1,397 |
| Core capital (leverage) ratio | 13.7932% | 1,020 |
| Tier 1 risk-based capital ratio | 18.5310% | 1,745 |
| Total risk-based capital ratio | 19.4405% | 1,797 |
| Memoranda: | ||
| Average total assets | $26,607,000 | 7,595 |
| Average earning assets | $22,789,400 | 7,621 |
| Average equity | $3,815,200 | 7,349 |
| Average total loans | $15,010,200 | 7,456 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9295% | 2,321 |
| Cost of funding earning assets | 0.9421% | 7,496 |
| Net interest margin | 4.9874% | 457 |
| Noninterest income to average assets | 0.9376% | 1,827 |
| Noninterest expense to average assets | 4.5497% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5281% | 3,868 |
| Return on assets (ROA) | 0.6609% | 3,411 |
| Pretax return on assets | 0.9120% | 3,187 |
| Return on Equity (ROE) | 4.5177% | 4,155 |
| Retained earnings to average equity (ytd only) | 1.0157% | 4,743 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2136% | 2,037 |
| Assets per employee ($millions) | 2.2492% | 7,562 |
| Cash dividends to net income (ytd only)* | 77.5174% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 4,634 |
| Loan loss allowance to noncurrent loans | 4,650.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 7,029 |
| Noncurrent loans to loans | 0.0275% | 7,451 |
| Net loans and leases to total assets | 53.2753% | 6,464 |
| Net loans and leases to deposits | 63.2072% | 6,567 |
| Net loans and leases to core deposits | 68.5367% | 7,047 |
| Total domestic deposits to total assets | 84.2868% | 3,585 |
| Equity capital to assets | 14.3498% | 1,189 |
| Core capital (leverage) ratio | 13.7682% | 1,149 |
| Tier 1 risk-based capital ratio | 21.4078% | 1,304 |
| Total risk-based capital ratio | 22.4671% | 1,324 |
| Memoranda: | ||
| Average total assets | $26,023,250 | 7,678 |
| Average earning assets | $22,643,250 | 7,700 |
| Average equity | $3,807,250 | 7,412 |
| Average total loans | $15,100,000 | 7,513 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1388% | 1,655 |
| Cost of funding earning assets | 0.9840% | 7,573 |
| Net interest margin | 5.1547% | 326 |
| Noninterest income to average assets | 0.9572% | 1,736 |
| Noninterest expense to average assets | 4.6613% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5348% | 3,963 |
| Return on assets (ROA) | 0.7393% | 3,197 |
| Pretax return on assets | 1.0194% | 2,932 |
| Return on Equity (ROE) | 5.0194% | 4,066 |
| Retained earnings to average equity (ytd only) | -0.2642% | 5,292 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3112% | 2,197 |
| Assets per employee ($millions) | 2.0681% | 7,803 |
| Cash dividends to net income (ytd only)* | 105.2632% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 4,749 |
| Loan loss allowance to noncurrent loans | 72.0930% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 4,454 |
| Noncurrent loans to loans | 1.7047% | 3,954 |
| Net loans and leases to total assets | 60.2369% | 5,641 |
| Net loans and leases to deposits | 72.1790% | 5,713 |
| Net loans and leases to core deposits | 80.1512% | 6,394 |
| Total domestic deposits to total assets | 83.4549% | 4,038 |
| Equity capital to assets | 15.1549% | 997 |
| Core capital (leverage) ratio | 15.1079% | 897 |
| Tier 1 risk-based capital ratio | 20.3975% | 1,504 |
| Total risk-based capital ratio | 21.4161% | 1,507 |
| Memoranda: | ||
| Average total assets | $25,701,000 | 7,765 |
| Average earning assets | $22,154,330 | 7,787 |
| Average equity | $3,785,330 | 7,480 |
| Average total loans | $15,278,330 | 7,574 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1268% | 1,844 |
| Cost of funding earning assets | 0.9683% | 7,722 |
| Net interest margin | 5.1585% | 301 |
| Noninterest income to average assets | 1.1475% | 1,121 |
| Noninterest expense to average assets | 4.4677% | 732 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8415% | 2,946 |
| Return on assets (ROA) | 0.8415% | 3,092 |
| Pretax return on assets | 1.1628% | 2,754 |
| Return on Equity (ROE) | 5.7933% | 4,124 |
| Retained earnings to average equity (ytd only) | -4.7400% | 6,520 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3478% | 2,933 |
| Assets per employee ($millions) | 2.1993% | 7,717 |
| Cash dividends to net income (ytd only)* | 181.8182% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 4,840 |
| Loan loss allowance to noncurrent loans | 75.0000% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.1291% | 4,422 |
| Noncurrent loans to loans | 1.5936% | 3,889 |
| Net loans and leases to total assets | 58.2601% | 5,904 |
| Net loans and leases to deposits | 69.0622% | 6,067 |
| Net loans and leases to core deposits | 75.6246% | 6,703 |
| Total domestic deposits to total assets | 84.3589% | 3,529 |
| Equity capital to assets | 14.3225% | 1,275 |
| Core capital (leverage) ratio | 13.5478% | 1,311 |
| Tier 1 risk-based capital ratio | 19.7249% | 1,673 |
| Total risk-based capital ratio | 20.7205% | 1,670 |
| Memoranda: | ||
| Average total assets | $26,143,000 | 7,791 |
| Average earning assets | $22,720,000 | 7,816 |
| Average equity | $3,797,500 | 7,519 |
| Average total loans | $15,350,000 | 7,618 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7360% | 6,660 |
| Cost of funding earning assets | 1.2189% | 7,923 |
| Net interest margin | 4.5171% | 1,381 |
| Noninterest income to average assets | 1.0360% | 1,465 |
| Noninterest expense to average assets | 4.1405% | 1,216 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7118% | 3,837 |
| Return on assets (ROA) | 0.7277% | 3,598 |
| Pretax return on assets | 0.9822% | 3,439 |
| Return on Equity (ROE) | 5.5070% | 4,156 |
| Retained earnings to average equity (ytd only) | 1.6548% | 4,221 |
| Net charge-offs to loans | 0.2447% | 3,821 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 7.6571% | 3,051 |
| Efficiency ratio | 81.1665% | 2,417 |
| Assets per employee ($millions) | 2.1578% | 7,764 |
| Cash dividends to net income (ytd only)* | 69.9507% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 4,324 |
| Loan loss allowance to noncurrent loans | 172.2222% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 5,369 |
| Noncurrent loans to loans | 0.7134% | 5,256 |
| Net loans and leases to total assets | 57.7431% | 6,243 |
| Net loans and leases to deposits | 68.5400% | 6,415 |
| Net loans and leases to core deposits | 75.5800% | 6,882 |
| Total domestic deposits to total assets | 84.2473% | 3,204 |
| Equity capital to assets | 14.7331% | 1,239 |
| Core capital (leverage) ratio | 14.1310% | 1,234 |
| Tier 1 risk-based capital ratio | 21.2641% | 1,422 |
| Total risk-based capital ratio | 22.3242% | 1,421 |
| Memoranda: | ||
| Average total assets | $27,895,400 | 7,733 |
| Average earning assets | $25,104,800 | 7,733 |
| Average equity | $3,686,200 | 7,614 |
| Average total loans | $14,301,800 | 7,688 |