Home > The Guide Rock State Bank > Performance and Condition Ratios
The Guide Rock State Bank, 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 | 4.7709% | 982 |
| Cost of funding earning assets | 0.4643% | 2,540 |
| Net interest margin | 4.3066% | 945 |
| Noninterest income to average assets | 0.5558% | 3,018 |
| Noninterest expense to average assets | 2.9561% | 2,653 |
| Loan and lease loss provision to assets | -0.0335% | 5,881 |
| Net operating income to assets | 1.4421% | 1,022 |
| Return on assets (ROA) | 1.4421% | 1,071 |
| Pretax return on assets | 1.4996% | 1,682 |
| Return on Equity (ROE) | 9.8647% | 2,156 |
| Retained earnings to average equity (ytd only) | 9.8647% | 655 |
| Net charge-offs to loans | -0.0942% | 5,757 |
| Credit loss provision to net charge-offs | 53.8462% | 2,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8472% | 3,746 |
| Assets per employee ($millions) | 2.9792% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4373% | 479 |
| Loan loss allowance to noncurrent loans | 522.8261% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 4,404 |
| Noncurrent loans to loans | 0.4662% | 3,959 |
| Net loans and leases to total assets | 71.8085% | 2,093 |
| Net loans and leases to deposits | 85.2890% | 2,240 |
| Net loans and leases to core deposits | 85.2890% | 2,922 |
| Total domestic deposits to total assets | 84.1942% | 3,343 |
| Equity capital to assets | 15.7797% | 597 |
| Core capital (leverage) ratio | 15.4724% | 558 |
| Tier 1 risk-based capital ratio | 17.6540% | 2,138 |
| Total risk-based capital ratio | 18.9099% | 2,098 |
| Memoranda: | ||
| Average total assets | $27,828,750 | 6,075 |
| Average earning assets | $24,984,000 | 6,066 |
| Average equity | $4,068,250 | 5,919 |
| Average total loans | $18,392,750 | 5,855 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 1,222 |
| Cost of funding earning assets | 0.4688% | 2,530 |
| Net interest margin | 4.1556% | 1,214 |
| Noninterest income to average assets | 0.5041% | 3,342 |
| Noninterest expense to average assets | 2.9538% | 2,705 |
| Loan and lease loss provision to assets | 0.0142% | 3,838 |
| Net operating income to assets | 1.1645% | 1,727 |
| Return on assets (ROA) | 1.1645% | 1,797 |
| Pretax return on assets | 1.2497% | 2,553 |
| Return on Equity (ROE) | 8.1714% | 2,952 |
| Retained earnings to average equity (ytd only) | 8.1714% | 1,199 |
| Net charge-offs to loans | -0.0446% | 5,504 |
| Credit loss provision to net charge-offs | -50.0000% | 4,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0337% | 3,321 |
| Assets per employee ($millions) | 2.9882% | 5,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6639% | 392 |
| Loan loss allowance to noncurrent loans | 572.6190% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 4,628 |
| Noncurrent loans to loans | 0.4652% | 4,087 |
| Net loans and leases to total assets | 65.3491% | 3,073 |
| Net loans and leases to deposits | 77.1002% | 3,146 |
| Net loans and leases to core deposits | 77.1002% | 3,654 |
| Total domestic deposits to total assets | 84.7587% | 3,235 |
| Equity capital to assets | 15.2153% | 663 |
| Core capital (leverage) ratio | 14.5959% | 689 |
| Tier 1 risk-based capital ratio | 18.0331% | 2,056 |
| Total risk-based capital ratio | 19.2928% | 2,007 |
| Memoranda: | ||
| Average total assets | $28,167,330 | 6,139 |
| Average earning assets | $25,170,670 | 6,129 |
| Average equity | $4,014,000 | 5,991 |
| Average total loans | $17,945,330 | 5,926 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 1,629 |
| Cost of funding earning assets | 0.4693% | 2,573 |
| Net interest margin | 3.9731% | 1,646 |
| Noninterest income to average assets | 0.4722% | 3,490 |
| Noninterest expense to average assets | 2.6663% | 3,707 |
| Loan and lease loss provision to assets | 0.0417% | 3,082 |
| Net operating income to assets | 1.1248% | 1,775 |
| Return on assets (ROA) | 1.1248% | 1,881 |
| Pretax return on assets | 1.2915% | 2,319 |
| Return on Equity (ROE) | 8.1509% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.1509% | 1,511 |
| Net charge-offs to loans | -0.0671% | 5,677 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,037 |
| Assets per employee ($millions) | 3.2421% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7765% | 376 |
| Loan loss allowance to noncurrent loans | 546.5909% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 4,765 |
| Noncurrent loans to loans | 0.5080% | 4,061 |
| Net loans and leases to total assets | 57.7230% | 3,989 |
| Net loans and leases to deposits | 66.9728% | 4,051 |
| Net loans and leases to core deposits | 66.9728% | 4,428 |
| Total domestic deposits to total assets | 86.1887% | 2,835 |
| Equity capital to assets | 13.7839% | 1,062 |
| Core capital (leverage) ratio | 13.8113% | 882 |
| Tier 1 risk-based capital ratio | 17.5246% | 2,290 |
| Total risk-based capital ratio | 18.7829% | 2,245 |
| Memoranda: | ||
| Average total assets | $28,804,000 | 6,193 |
| Average earning assets | $25,572,000 | 6,184 |
| Average equity | $3,975,000 | 6,054 |
| Average total loans | $17,890,000 | 5,984 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7715% | 1,167 |
| Cost of funding earning assets | 0.4966% | 2,705 |
| Net interest margin | 4.2748% | 1,101 |
| Noninterest income to average assets | 0.4565% | 3,793 |
| Noninterest expense to average assets | 3.2480% | 2,081 |
| Loan and lease loss provision to assets | -0.0314% | 5,974 |
| Net operating income to assets | 0.7423% | 3,665 |
| Return on assets (ROA) | 0.7423% | 3,768 |
| Pretax return on assets | 1.1396% | 2,927 |
| Return on Equity (ROE) | 5.5777% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.5777% | 2,209 |
| Net charge-offs to loans | -0.0759% | 6,045 |
| Credit loss provision to net charge-offs | 64.2857% | 3,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5600% | 2,740 |
| Assets per employee ($millions) | 3.1588% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5737% | 499 |
| Loan loss allowance to noncurrent loans | 539.7727% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 4,802 |
| Noncurrent loans to loans | 0.4768% | 4,227 |
| Net loans and leases to total assets | 63.2488% | 3,328 |
| Net loans and leases to deposits | 73.4128% | 3,504 |
| Net loans and leases to core deposits | 73.4128% | 3,974 |
| Total domestic deposits to total assets | 86.1550% | 2,750 |
| Equity capital to assets | 13.8169% | 1,025 |
| Core capital (leverage) ratio | 13.6087% | 935 |
| Tier 1 risk-based capital ratio | 17.6251% | 2,273 |
| Total risk-based capital ratio | 18.8869% | 2,236 |
| Memoranda: | ||
| Average total assets | $28,694,800 | 6,274 |
| Average earning assets | $26,176,400 | 6,260 |
| Average equity | $3,818,800 | 6,126 |
| Average total loans | $18,448,400 | 6,023 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 1,338 |
| Cost of funding earning assets | 0.5030% | 2,727 |
| Net interest margin | 4.1847% | 1,337 |
| Noninterest income to average assets | 0.4682% | 3,745 |
| Noninterest expense to average assets | 2.9344% | 3,009 |
| Loan and lease loss provision to assets | -0.0324% | 6,134 |
| Net operating income to assets | 1.0199% | 2,368 |
| Return on assets (ROA) | 1.0199% | 2,421 |
| Pretax return on assets | 1.4232% | 1,915 |
| Return on Equity (ROE) | 7.7365% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.7365% | 1,472 |
| Net charge-offs to loans | -0.0867% | 6,095 |
| Credit loss provision to net charge-offs | 58.3333% | 2,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8457% | 3,887 |
| Assets per employee ($millions) | 3.0711% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5613% | 606 |
| Loan loss allowance to noncurrent loans | 533.7079% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 4,984 |
| Noncurrent loans to loans | 0.4799% | 4,469 |
| Net loans and leases to total assets | 65.3763% | 2,972 |
| Net loans and leases to deposits | 76.2447% | 3,154 |
| Net loans and leases to core deposits | 76.2447% | 3,712 |
| Total domestic deposits to total assets | 85.7453% | 2,982 |
| Equity capital to assets | 14.2294% | 932 |
| Core capital (leverage) ratio | 13.6999% | 929 |
| Tier 1 risk-based capital ratio | 18.0060% | 2,208 |
| Total risk-based capital ratio | 19.2695% | 2,160 |
| Memoranda: | ||
| Average total assets | $28,761,250 | 6,346 |
| Average earning assets | $26,508,750 | 6,331 |
| Average equity | $3,791,500 | 6,198 |
| Average total loans | $18,446,500 | 6,088 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 1,614 |
| Cost of funding earning assets | 0.5044% | 2,794 |
| Net interest margin | 4.0646% | 1,622 |
| Noninterest income to average assets | 0.4805% | 3,626 |
| Noninterest expense to average assets | 2.9380% | 3,042 |
| Loan and lease loss provision to assets | -0.0549% | 6,304 |
| Net operating income to assets | 0.9404% | 2,592 |
| Return on assets (ROA) | 0.9404% | 2,699 |
| Pretax return on assets | 1.3592% | 2,044 |
| Return on Equity (ROE) | 7.3177% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.3177% | 1,603 |
| Net charge-offs to loans | -0.0869% | 6,101 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2557% | 3,787 |
| Assets per employee ($millions) | 3.1793% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4463% | 769 |
| Loan loss allowance to noncurrent loans | 238.5787% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 3,925 |
| Noncurrent loans to loans | 1.0253% | 3,183 |
| Net loans and leases to total assets | 65.5029% | 2,833 |
| Net loans and leases to deposits | 75.7140% | 3,096 |
| Net loans and leases to core deposits | 75.7140% | 3,650 |
| Total domestic deposits to total assets | 86.5136% | 2,750 |
| Equity capital to assets | 13.4480% | 1,180 |
| Core capital (leverage) ratio | 13.3160% | 1,045 |
| Tier 1 risk-based capital ratio | 17.1796% | 2,546 |
| Total risk-based capital ratio | 18.4384% | 2,501 |
| Memoranda: | ||
| Average total assets | $29,135,000 | 6,400 |
| Average earning assets | $26,964,330 | 6,378 |
| Average equity | $3,744,330 | 6,256 |
| Average total loans | $18,413,670 | 6,144 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 1,980 |
| Cost of funding earning assets | 0.5182% | 2,732 |
| Net interest margin | 3.9237% | 1,999 |
| Noninterest income to average assets | 0.4082% | 4,113 |
| Noninterest expense to average assets | 2.7487% | 3,759 |
| Loan and lease loss provision to assets | -0.0680% | 6,467 |
| Net operating income to assets | 0.8573% | 2,865 |
| Return on assets (ROA) | 0.8573% | 2,932 |
| Pretax return on assets | 1.3335% | 1,982 |
| Return on Equity (ROE) | 6.8246% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.8246% | 2,134 |
| Net charge-offs to loans | -0.1110% | 6,159 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4746% | 4,096 |
| Assets per employee ($millions) | 3.3600% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6814% | 643 |
| Loan loss allowance to noncurrent loans | 516.4835% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 5,255 |
| Noncurrent loans to loans | 0.5192% | 4,616 |
| Net loans and leases to total assets | 56.4087% | 4,092 |
| Net loans and leases to deposits | 64.4525% | 4,269 |
| Net loans and leases to core deposits | 64.4525% | 4,654 |
| Total domestic deposits to total assets | 87.5198% | 2,498 |
| Equity capital to assets | 12.3545% | 1,656 |
| Core capital (leverage) ratio | 12.4925% | 1,389 |
| Tier 1 risk-based capital ratio | 17.8903% | 2,341 |
| Total risk-based capital ratio | 19.1512% | 2,315 |
| Memoranda: | ||
| Average total assets | $29,395,500 | 6,461 |
| Average earning assets | $27,015,500 | 6,439 |
| Average equity | $3,692,500 | 6,310 |
| Average total loans | $18,014,000 | 6,215 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 1,452 |
| Cost of funding earning assets | 0.5916% | 2,745 |
| Net interest margin | 4.1563% | 1,482 |
| Noninterest income to average assets | 0.4809% | 3,876 |
| Noninterest expense to average assets | 3.1811% | 2,478 |
| Loan and lease loss provision to assets | -0.0550% | 6,396 |
| Net operating income to assets | 0.7465% | 3,570 |
| Return on assets (ROA) | 0.7420% | 3,687 |
| Pretax return on assets | 1.1371% | 2,820 |
| Return on Equity (ROE) | 5.9721% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.9721% | 1,993 |
| Net charge-offs to loans | -0.0888% | 6,449 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4972% | 3,046 |
| Assets per employee ($millions) | 3.1723% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5405% | 787 |
| Loan loss allowance to noncurrent loans | 510.8696% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 5,291 |
| Noncurrent loans to loans | 0.4973% | 4,753 |
| Net loans and leases to total assets | 63.1502% | 3,189 |
| Net loans and leases to deposits | 72.4649% | 3,464 |
| Net loans and leases to core deposits | 72.4649% | 4,009 |
| Total domestic deposits to total assets | 87.1458% | 2,648 |
| Equity capital to assets | 12.7806% | 1,376 |
| Core capital (leverage) ratio | 12.5305% | 1,339 |
| Tier 1 risk-based capital ratio | 16.9905% | 2,613 |
| Total risk-based capital ratio | 18.2536% | 2,575 |
| Memoranda: | ||
| Average total assets | $29,109,600 | 6,542 |
| Average earning assets | $26,538,200 | 6,519 |
| Average equity | $3,616,800 | 6,412 |
| Average total loans | $18,016,400 | 6,282 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7122% | 1,565 |
| Cost of funding earning assets | 0.6016% | 2,791 |
| Net interest margin | 4.1107% | 1,600 |
| Noninterest income to average assets | 0.5014% | 3,792 |
| Noninterest expense to average assets | 2.8673% | 3,419 |
| Loan and lease loss provision to assets | -0.1231% | 6,654 |
| Net operating income to assets | 1.0870% | 2,057 |
| Return on assets (ROA) | 1.0803% | 2,166 |
| Pretax return on assets | 1.4860% | 1,653 |
| Return on Equity (ROE) | 8.7562% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.7562% | 1,136 |
| Net charge-offs to loans | -0.0968% | 6,489 |
| Credit loss provision to net charge-offs | 207.6923% | 1,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6344% | 4,163 |
| Assets per employee ($millions) | 3.2251% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3856% | 1,060 |
| Loan loss allowance to noncurrent loans | 456.0000% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 5,374 |
| Noncurrent loans to loans | 0.5231% | 4,887 |
| Net loans and leases to total assets | 64.2837% | 2,953 |
| Net loans and leases to deposits | 73.6869% | 3,288 |
| Net loans and leases to core deposits | 73.6869% | 3,885 |
| Total domestic deposits to total assets | 87.2390% | 2,541 |
| Equity capital to assets | 12.7196% | 1,464 |
| Core capital (leverage) ratio | 12.6269% | 1,359 |
| Tier 1 risk-based capital ratio | 16.7093% | 2,859 |
| Total risk-based capital ratio | 17.9670% | 2,803 |
| Memoranda: | ||
| Average total assets | $29,249,250 | 6,614 |
| Average earning assets | $26,596,750 | 6,589 |
| Average equity | $3,608,750 | 6,493 |
| Average total loans | $17,895,500 | 6,355 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 1,776 |
| Cost of funding earning assets | 0.6248% | 2,733 |
| Net interest margin | 3.9973% | 1,864 |
| Noninterest income to average assets | 0.4638% | 4,066 |
| Noninterest expense to average assets | 2.9464% | 3,181 |
| Loan and lease loss provision to assets | -0.1978% | 6,782 |
| Net operating income to assets | 0.9071% | 2,753 |
| Return on assets (ROA) | 0.9071% | 2,897 |
| Pretax return on assets | 1.3368% | 2,168 |
| Return on Equity (ROE) | 7.4281% | 3,380 |
| Retained earnings to average equity (ytd only) | 7.4281% | 1,699 |
| Net charge-offs to loans | -0.1029% | 6,507 |
| Credit loss provision to net charge-offs | 322.2222% | 807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1202% | 3,446 |
| Assets per employee ($millions) | 3.2231% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4491% | 1,039 |
| Loan loss allowance to noncurrent loans | 441.1765% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 5,181 |
| Noncurrent loans to loans | 0.5551% | 4,871 |
| Net loans and leases to total assets | 61.7899% | 3,331 |
| Net loans and leases to deposits | 70.5530% | 3,650 |
| Net loans and leases to core deposits | 70.5530% | 4,211 |
| Total domestic deposits to total assets | 87.5793% | 2,505 |
| Equity capital to assets | 12.3759% | 1,656 |
| Core capital (leverage) ratio | 12.2423% | 1,480 |
| Tier 1 risk-based capital ratio | 16.7369% | 2,822 |
| Total risk-based capital ratio | 17.9958% | 2,789 |
| Memoranda: | ||
| Average total assets | $29,323,670 | 6,660 |
| Average earning assets | $26,568,000 | 6,640 |
| Average equity | $3,581,000 | 6,545 |
| Average total loans | $17,489,000 | 6,405 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 2,001 |
| Cost of funding earning assets | 0.6821% | 2,371 |
| Net interest margin | 3.8650% | 2,230 |
| Noninterest income to average assets | 0.3663% | 4,745 |
| Noninterest expense to average assets | 2.7543% | 3,854 |
| Loan and lease loss provision to assets | -0.3256% | 6,922 |
| Net operating income to assets | 0.8906% | 2,700 |
| Return on assets (ROA) | 0.8819% | 2,885 |
| Pretax return on assets | 1.3839% | 1,912 |
| Return on Equity (ROE) | 7.2697% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.2697% | 2,040 |
| Net charge-offs to loans | -0.0939% | 6,418 |
| Credit loss provision to net charge-offs | 600.0000% | 450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9858% | 3,616 |
| Assets per employee ($millions) | 3.3668% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7071% | 908 |
| Loan loss allowance to noncurrent loans | 365.8537% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 5,050 |
| Noncurrent loans to loans | 0.7399% | 4,651 |
| Net loans and leases to total assets | 53.3745% | 4,505 |
| Net loans and leases to deposits | 60.6571% | 4,718 |
| Net loans and leases to core deposits | 60.6571% | 5,080 |
| Total domestic deposits to total assets | 87.9938% | 2,313 |
| Equity capital to assets | 11.8742% | 2,125 |
| Core capital (leverage) ratio | 11.8674% | 1,645 |
| Tier 1 risk-based capital ratio | 17.5322% | 2,546 |
| Total risk-based capital ratio | 18.7923% | 2,510 |
| Memoranda: | ||
| Average total assets | $29,481,500 | 6,721 |
| Average earning assets | $26,391,000 | 6,715 |
| Average equity | $3,576,500 | 6,614 |
| Average total loans | $17,046,500 | 6,487 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3620% | 813 |
| Cost of funding earning assets | 0.8579% | 2,234 |
| Net interest margin | 4.5041% | 942 |
| Noninterest income to average assets | 0.4837% | 4,013 |
| Noninterest expense to average assets | 3.4423% | 1,962 |
| Loan and lease loss provision to assets | 0.0561% | 5,088 |
| Net operating income to assets | 0.7478% | 3,520 |
| Return on assets (ROA) | 0.7326% | 3,839 |
| Pretax return on assets | 1.0131% | 3,507 |
| Return on Equity (ROE) | 5.7719% | 4,271 |
| Retained earnings to average equity (ytd only) | 0.1657% | 5,757 |
| Net charge-offs to loans | -0.0491% | 6,704 |
| Credit loss provision to net charge-offs | -177.7778% | 6,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9474% | 2,753 |
| Assets per employee ($millions) | 3.1847% | 5,660 |
| Cash dividends to net income (ytd only)* | 97.1292% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6903% | 931 |
| Loan loss allowance to noncurrent loans | 376.0000% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 5,041 |
| Noncurrent loans to loans | 0.7155% | 4,753 |
| Net loans and leases to total assets | 59.3120% | 3,719 |
| Net loans and leases to deposits | 67.7534% | 4,018 |
| Net loans and leases to core deposits | 67.7534% | 4,565 |
| Total domestic deposits to total assets | 87.5410% | 2,507 |
| Equity capital to assets | 12.4032% | 1,783 |
| Core capital (leverage) ratio | 12.1086% | 1,505 |
| Tier 1 risk-based capital ratio | 17.0184% | 2,643 |
| Total risk-based capital ratio | 18.2826% | 2,603 |
| Memoranda: | ||
| Average total assets | $28,527,600 | 6,787 |
| Average earning assets | $25,643,400 | 6,766 |
| Average equity | $3,621,000 | 6,658 |
| Average total loans | $18,334,400 | 6,496 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3562% | 909 |
| Cost of funding earning assets | 0.8901% | 2,238 |
| Net interest margin | 4.4661% | 1,056 |
| Noninterest income to average assets | 0.5007% | 3,923 |
| Noninterest expense to average assets | 3.1866% | 2,609 |
| Loan and lease loss provision to assets | 0.0889% | 4,495 |
| Net operating income to assets | 1.1491% | 1,909 |
| Return on assets (ROA) | 1.1230% | 2,212 |
| Pretax return on assets | 1.2119% | 2,947 |
| Return on Equity (ROE) | 8.7970% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.7970% | 1,304 |
| Net charge-offs to loans | -0.0791% | 6,807 |
| Credit loss provision to net charge-offs | -172.7273% | 6,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5699% | 3,579 |
| Assets per employee ($millions) | 2.8660% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4385% | 1,289 |
| Loan loss allowance to noncurrent loans | 304.4872% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 5,015 |
| Noncurrent loans to loans | 0.8009% | 4,806 |
| Net loans and leases to total assets | 66.3084% | 2,594 |
| Net loans and leases to deposits | 76.4072% | 2,924 |
| Net loans and leases to core deposits | 76.4072% | 3,679 |
| Total domestic deposits to total assets | 86.7830% | 2,808 |
| Equity capital to assets | 13.1542% | 1,517 |
| Core capital (leverage) ratio | 13.0127% | 1,189 |
| Tier 1 risk-based capital ratio | 16.7421% | 2,878 |
| Total risk-based capital ratio | 18.0021% | 2,831 |
| Memoranda: | ||
| Average total assets | $28,494,000 | 6,879 |
| Average earning assets | $25,614,500 | 6,854 |
| Average equity | $3,637,500 | 6,734 |
| Average total loans | $18,550,500 | 6,574 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 1,088 |
| Cost of funding earning assets | 0.9169% | 2,277 |
| Net interest margin | 4.3649% | 1,295 |
| Noninterest income to average assets | 0.4360% | 4,392 |
| Noninterest expense to average assets | 3.0733% | 3,003 |
| Loan and lease loss provision to assets | 0.1407% | 3,757 |
| Net operating income to assets | 1.1099% | 2,009 |
| Return on assets (ROA) | 1.0690% | 2,396 |
| Pretax return on assets | 1.0971% | 3,311 |
| Return on Equity (ROE) | 8.4601% | 3,037 |
| Retained earnings to average equity (ytd only) | 8.4601% | 1,460 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5977% | 3,673 |
| Assets per employee ($millions) | 2.8500% | 6,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4325% | 1,370 |
| Loan loss allowance to noncurrent loans | 273.5294% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 5,000 |
| Noncurrent loans to loans | 0.8893% | 4,712 |
| Net loans and leases to total assets | 65.4421% | 2,779 |
| Net loans and leases to deposits | 75.1662% | 3,104 |
| Net loans and leases to core deposits | 75.1662% | 3,860 |
| Total domestic deposits to total assets | 87.0632% | 2,736 |
| Equity capital to assets | 12.8667% | 1,587 |
| Core capital (leverage) ratio | 12.6483% | 1,295 |
| Tier 1 risk-based capital ratio | 16.6461% | 2,833 |
| Total risk-based capital ratio | 17.9066% | 2,778 |
| Memoranda: | ||
| Average total assets | $28,438,670 | 6,940 |
| Average earning assets | $25,521,670 | 6,915 |
| Average equity | $3,593,330 | 6,785 |
| Average total loans | $18,241,000 | 6,633 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2975% | 1,102 |
| Cost of funding earning assets | 0.9488% | 2,310 |
| Net interest margin | 4.3487% | 1,337 |
| Noninterest income to average assets | 0.4083% | 4,615 |
| Noninterest expense to average assets | 2.8583% | 3,791 |
| Loan and lease loss provision to assets | 0.0986% | 4,111 |
| Net operating income to assets | 1.3096% | 1,433 |
| Return on assets (ROA) | 1.3236% | 1,556 |
| Pretax return on assets | 1.3377% | 2,401 |
| Return on Equity (ROE) | 10.5722% | 2,201 |
| Retained earnings to average equity (ytd only) | 10.5722% | 1,148 |
| Net charge-offs to loans | -0.1797% | 6,968 |
| Credit loss provision to net charge-offs | -87.5000% | 5,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7763% | 4,406 |
| Assets per employee ($millions) | 2.9512% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7021% | 1,113 |
| Loan loss allowance to noncurrent loans | 201.7544% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8912% | 4,746 |
| Noncurrent loans to loans | 1.3393% | 4,108 |
| Net loans and leases to total assets | 56.1263% | 4,359 |
| Net loans and leases to deposits | 64.0006% | 4,639 |
| Net loans and leases to core deposits | 64.0006% | 5,112 |
| Total domestic deposits to total assets | 87.6965% | 2,531 |
| Equity capital to assets | 12.2188% | 1,903 |
| Core capital (leverage) ratio | 12.5174% | 1,335 |
| Tier 1 risk-based capital ratio | 17.4797% | 2,484 |
| Total risk-based capital ratio | 18.7418% | 2,450 |
| Memoranda: | ||
| Average total assets | $28,408,000 | 6,994 |
| Average earning assets | $25,295,000 | 6,973 |
| Average equity | $3,556,500 | 6,834 |
| Average total loans | $17,803,500 | 6,718 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0987% | 366 |
| Cost of funding earning assets | 1.1653% | 2,249 |
| Net interest margin | 4.9333% | 472 |
| Noninterest income to average assets | 0.5839% | 3,262 |
| Noninterest expense to average assets | 3.8362% | 1,281 |
| Loan and lease loss provision to assets | 0.5765% | 1,797 |
| Net operating income to assets | 0.6076% | 3,962 |
| Return on assets (ROA) | 0.6246% | 4,062 |
| Pretax return on assets | 0.6800% | 4,410 |
| Return on Equity (ROE) | 4.8416% | 4,460 |
| Retained earnings to average equity (ytd only) | 4.8416% | 2,756 |
| Net charge-offs to loans | 1.3381% | 1,230 |
| Credit loss provision to net charge-offs | 59.7701% | 5,176 |
| Earnings coverage of net charge-offs (x) | 1.2835% | 4,816 |
| Efficiency ratio | 75.6009% | 2,956 |
| Assets per employee ($millions) | 2.7304% | 6,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3947% | 1,467 |
| Loan loss allowance to noncurrent loans | 173.1518% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 4,477 |
| Noncurrent loans to loans | 1.3830% | 4,073 |
| Net loans and leases to total assets | 66.4298% | 2,704 |
| Net loans and leases to deposits | 76.2902% | 3,134 |
| Net loans and leases to core deposits | 76.2902% | 3,945 |
| Total domestic deposits to total assets | 87.0752% | 2,720 |
| Equity capital to assets | 12.8443% | 1,576 |
| Core capital (leverage) ratio | 12.3929% | 1,396 |
| Tier 1 risk-based capital ratio | 16.5080% | 2,817 |
| Total risk-based capital ratio | 17.7680% | 2,779 |
| Memoranda: | ||
| Average total assets | $27,058,000 | 7,050 |
| Average earning assets | $24,628,400 | 7,023 |
| Average equity | $3,490,600 | 6,880 |
| Average total loans | $19,505,800 | 6,679 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1252% | 377 |
| Cost of funding earning assets | 1.1894% | 2,388 |
| Net interest margin | 4.9358% | 471 |
| Noninterest income to average assets | 0.6223% | 3,043 |
| Noninterest expense to average assets | 3.4819% | 1,984 |
| Loan and lease loss provision to assets | 0.3556% | 2,739 |
| Net operating income to assets | 1.2406% | 1,540 |
| Return on assets (ROA) | 1.2643% | 1,584 |
| Pretax return on assets | 1.3187% | 2,225 |
| Return on Equity (ROE) | 9.7898% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.7898% | 905 |
| Net charge-offs to loans | 0.3513% | 3,337 |
| Credit loss provision to net charge-offs | 138.4615% | 2,302 |
| Earnings coverage of net charge-offs (x) | 6.4232% | 2,554 |
| Efficiency ratio | 67.8537% | 4,350 |
| Assets per employee ($millions) | 2.7244% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7903% | 1,044 |
| Loan loss allowance to noncurrent loans | 133.1776% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 1.7178% | 3,518 |
| Noncurrent loans to loans | 2.0952% | 3,252 |
| Net loans and leases to total assets | 72.8894% | 1,533 |
| Net loans and leases to deposits | 84.1262% | 1,980 |
| Net loans and leases to core deposits | 84.1262% | 3,050 |
| Total domestic deposits to total assets | 86.6429% | 2,860 |
| Equity capital to assets | 13.2726% | 1,477 |
| Core capital (leverage) ratio | 13.5009% | 1,047 |
| Tier 1 risk-based capital ratio | 16.0246% | 3,108 |
| Total risk-based capital ratio | 17.2893% | 3,059 |
| Memoranda: | ||
| Average total assets | $26,996,500 | 7,120 |
| Average earning assets | $24,662,500 | 7,093 |
| Average equity | $3,486,500 | 6,938 |
| Average total loans | $19,736,500 | 6,738 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9073% | 572 |
| Cost of funding earning assets | 1.2124% | 2,493 |
| Net interest margin | 4.6949% | 741 |
| Noninterest income to average assets | 0.5722% | 3,319 |
| Noninterest expense to average assets | 3.5446% | 1,872 |
| Loan and lease loss provision to assets | 0.3864% | 2,478 |
| Net operating income to assets | 0.8784% | 2,741 |
| Return on assets (ROA) | 0.9066% | 2,715 |
| Pretax return on assets | 0.9586% | 3,395 |
| Return on Equity (ROE) | 7.0862% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.0862% | 1,841 |
| Net charge-offs to loans | 0.4819% | 2,656 |
| Credit loss provision to net charge-offs | 110.6383% | 2,772 |
| Earnings coverage of net charge-offs (x) | 3.7660% | 3,059 |
| Efficiency ratio | 72.9358% | 3,551 |
| Assets per employee ($millions) | 2.6304% | 6,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7526% | 1,124 |
| Loan loss allowance to noncurrent loans | 122.5166% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 1.8742% | 3,399 |
| Noncurrent loans to loans | 2.2467% | 3,162 |
| Net loans and leases to total assets | 74.5438% | 1,317 |
| Net loans and leases to deposits | 86.0831% | 1,782 |
| Net loans and leases to core deposits | 86.0831% | 2,889 |
| Total domestic deposits to total assets | 86.5952% | 2,991 |
| Equity capital to assets | 13.3136% | 1,374 |
| Core capital (leverage) ratio | 12.8182% | 1,239 |
| Tier 1 risk-based capital ratio | 15.2844% | 3,357 |
| Total risk-based capital ratio | 16.5511% | 3,304 |
| Memoranda: | ||
| Average total assets | $26,914,000 | 7,189 |
| Average earning assets | $24,579,670 | 7,161 |
| Average equity | $3,443,330 | 6,998 |
| Average total loans | $19,506,000 | 6,815 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9995% | 471 |
| Cost of funding earning assets | 1.3007% | 2,168 |
| Net interest margin | 4.6988% | 705 |
| Noninterest income to average assets | 0.5584% | 3,446 |
| Noninterest expense to average assets | 3.2330% | 2,762 |
| Loan and lease loss provision to assets | 0.2204% | 3,455 |
| Net operating income to assets | 1.3238% | 1,218 |
| Return on assets (ROA) | 1.3814% | 1,144 |
| Pretax return on assets | 1.4108% | 1,699 |
| Return on Equity (ROE) | 11.0135% | 1,739 |
| Retained earnings to average equity (ytd only) | 11.0135% | 902 |
| Net charge-offs to loans | 0.4589% | 2,317 |
| Credit loss provision to net charge-offs | 68.1818% | 3,378 |
| Earnings coverage of net charge-offs (x) | 4.8636% | 2,383 |
| Efficiency ratio | 67.2783% | 4,793 |
| Assets per employee ($millions) | 2.8003% | 6,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8523% | 1,059 |
| Loan loss allowance to noncurrent loans | 111.2705% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 1.9569% | 3,366 |
| Noncurrent loans to loans | 2.5634% | 2,928 |
| Net loans and leases to total assets | 66.0429% | 2,997 |
| Net loans and leases to deposits | 75.3872% | 3,518 |
| Net loans and leases to core deposits | 76.6368% | 4,215 |
| Total domestic deposits to total assets | 87.6049% | 2,610 |
| Equity capital to assets | 12.2951% | 1,740 |
| Core capital (leverage) ratio | 12.4154% | 1,366 |
| Tier 1 risk-based capital ratio | 15.9499% | 2,925 |
| Total risk-based capital ratio | 17.2167% | 2,887 |
| Memoranda: | ||
| Average total assets | $27,219,000 | 7,230 |
| Average earning assets | $24,602,000 | 7,211 |
| Average equity | $3,414,000 | 7,038 |
| Average total loans | $19,177,500 | 6,886 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9233% | 991 |
| Cost of funding earning assets | 1.7663% | 1,316 |
| Net interest margin | 4.1570% | 2,334 |
| Noninterest income to average assets | 0.5563% | 3,782 |
| Noninterest expense to average assets | 3.5021% | 2,167 |
| Loan and lease loss provision to assets | 0.4128% | 3,630 |
| Net operating income to assets | 0.3646% | 4,695 |
| Return on assets (ROA) | 0.4198% | 4,593 |
| Pretax return on assets | 0.5318% | 4,524 |
| Return on Equity (ROE) | 3.5864% | 4,703 |
| Retained earnings to average equity (ytd only) | 3.5864% | 3,345 |
| Net charge-offs to loans | 0.6946% | 2,925 |
| Credit loss provision to net charge-offs | 82.5175% | 5,467 |
| Earnings coverage of net charge-offs (x) | 1.7483% | 4,407 |
| Efficiency ratio | 80.0160% | 2,415 |
| Assets per employee ($millions) | 2.6435% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8471% | 1,001 |
| Loan loss allowance to noncurrent loans | 95.8188% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 2.3983% | 2,867 |
| Noncurrent loans to loans | 2.9713% | 2,573 |
| Net loans and leases to total assets | 70.9968% | 2,307 |
| Net loans and leases to deposits | 81.5468% | 2,896 |
| Net loans and leases to core deposits | 82.9892% | 3,746 |
| Total domestic deposits to total assets | 87.0626% | 2,789 |
| Equity capital to assets | 12.8050% | 1,486 |
| Core capital (leverage) ratio | 12.1355% | 1,464 |
| Tier 1 risk-based capital ratio | 15.4172% | 3,037 |
| Total risk-based capital ratio | 16.6814% | 2,989 |
| Memoranda: | ||
| Average total assets | $28,582,600 | 7,254 |
| Average earning assets | $26,269,000 | 7,217 |
| Average equity | $3,346,000 | 7,179 |
| Average total loans | $20,587,800 | 6,895 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8719% | 1,202 |
| Cost of funding earning assets | 1.8399% | 1,261 |
| Net interest margin | 4.0320% | 2,946 |
| Noninterest income to average assets | 0.5357% | 3,904 |
| Noninterest expense to average assets | 3.2051% | 2,912 |
| Loan and lease loss provision to assets | 0.3755% | 3,637 |
| Net operating income to assets | 0.6575% | 3,612 |
| Return on assets (ROA) | 0.7463% | 3,387 |
| Pretax return on assets | 0.7692% | 4,012 |
| Return on Equity (ROE) | 6.5142% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.5142% | 2,084 |
| Net charge-offs to loans | 0.5230% | 3,208 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 2.8049% | 3,738 |
| Efficiency ratio | 75.2688% | 3,088 |
| Assets per employee ($millions) | 2.7883% | 6,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8197% | 990 |
| Loan loss allowance to noncurrent loans | 98.2906% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 2.6647% | 2,708 |
| Noncurrent loans to loans | 2.8688% | 2,785 |
| Net loans and leases to total assets | 71.0720% | 2,470 |
| Net loans and leases to deposits | 81.2272% | 3,231 |
| Net loans and leases to core deposits | 88.7421% | 3,279 |
| Total domestic deposits to total assets | 87.4978% | 2,261 |
| Equity capital to assets | 12.3660% | 1,932 |
| Core capital (leverage) ratio | 11.7067% | 1,813 |
| Tier 1 risk-based capital ratio | 14.7180% | 3,383 |
| Total risk-based capital ratio | 15.9835% | 3,358 |
| Memoranda: | ||
| Average total assets | $29,119,500 | 7,325 |
| Average earning assets | $26,884,500 | 7,283 |
| Average equity | $3,336,250 | 7,273 |
| Average total loans | $20,905,250 | 6,964 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8081% | 1,403 |
| Cost of funding earning assets | 1.8627% | 1,365 |
| Net interest margin | 3.9454% | 3,256 |
| Noninterest income to average assets | 0.5282% | 3,889 |
| Noninterest expense to average assets | 3.2101% | 2,867 |
| Loan and lease loss provision to assets | 0.2032% | 4,841 |
| Net operating income to assets | 0.7252% | 3,296 |
| Return on assets (ROA) | 0.7382% | 3,396 |
| Pretax return on assets | 0.7721% | 3,976 |
| Return on Equity (ROE) | 6.6081% | 3,492 |
| Retained earnings to average equity (ytd only) | 6.6081% | 2,015 |
| Net charge-offs to loans | -0.0664% | 7,494 |
| Credit loss provision to net charge-offs | -428.5714% | 6,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9481% | 2,900 |
| Assets per employee ($millions) | 2.8971% | 6,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9521% | 863 |
| Loan loss allowance to noncurrent loans | 75.9305% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 3.1273% | 2,262 |
| Noncurrent loans to loans | 3.8879% | 1,967 |
| Net loans and leases to total assets | 69.4453% | 3,030 |
| Net loans and leases to deposits | 78.7252% | 3,846 |
| Net loans and leases to core deposits | 85.6456% | 3,883 |
| Total domestic deposits to total assets | 88.2124% | 1,877 |
| Equity capital to assets | 11.6427% | 2,326 |
| Core capital (leverage) ratio | 11.2128% | 2,093 |
| Tier 1 risk-based capital ratio | 14.1877% | 3,611 |
| Total risk-based capital ratio | 15.4533% | 3,566 |
| Memoranda: | ||
| Average total assets | $29,531,670 | 7,363 |
| Average earning assets | $27,272,330 | 7,324 |
| Average equity | $3,299,000 | 7,324 |
| Average total loans | $21,076,330 | 7,012 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8589% | 1,299 |
| Cost of funding earning assets | 1.9045% | 1,430 |
| Net interest margin | 3.9544% | 3,078 |
| Noninterest income to average assets | 0.5501% | 3,650 |
| Noninterest expense to average assets | 2.8847% | 4,121 |
| Loan and lease loss provision to assets | 0.2013% | 4,486 |
| Net operating income to assets | 1.0466% | 2,016 |
| Return on assets (ROA) | 1.0466% | 2,077 |
| Pretax return on assets | 1.1136% | 2,688 |
| Return on Equity (ROE) | 9.5647% | 2,265 |
| Retained earnings to average equity (ytd only) | 9.5647% | 1,253 |
| Net charge-offs to loans | -0.0941% | 7,508 |
| Credit loss provision to net charge-offs | -300.0000% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6901% | 4,577 |
| Assets per employee ($millions) | 2.9818% | 6,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8044% | 982 |
| Loan loss allowance to noncurrent loans | 87.8877% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 2.6058% | 2,799 |
| Noncurrent loans to loans | 3.1908% | 2,503 |
| Net loans and leases to total assets | 69.1596% | 3,122 |
| Net loans and leases to deposits | 77.9925% | 4,045 |
| Net loans and leases to core deposits | 84.5961% | 4,121 |
| Total domestic deposits to total assets | 88.6746% | 1,690 |
| Equity capital to assets | 11.1778% | 2,611 |
| Core capital (leverage) ratio | 10.8866% | 2,300 |
| Tier 1 risk-based capital ratio | 14.0210% | 3,640 |
| Total risk-based capital ratio | 15.2878% | 3,594 |
| Memoranda: | ||
| Average total assets | $29,812,000 | 7,449 |
| Average earning assets | $27,513,500 | 7,406 |
| Average equity | $3,262,000 | 7,416 |
| Average total loans | $21,249,000 | 7,085 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2316% | 1,159 |
| Cost of funding earning assets | 2.3772% | 1,373 |
| Net interest margin | 3.8544% | 3,464 |
| Noninterest income to average assets | 0.5520% | 4,004 |
| Noninterest expense to average assets | 3.2113% | 3,340 |
| Loan and lease loss provision to assets | 0.5217% | 3,763 |
| Net operating income to assets | 0.4443% | 3,955 |
| Return on assets (ROA) | 0.4780% | 3,922 |
| Pretax return on assets | 0.4275% | 4,409 |
| Return on Equity (ROE) | 4.5423% | 3,864 |
| Retained earnings to average equity (ytd only) | 4.5423% | 2,077 |
| Net charge-offs to loans | 1.2968% | 1,913 |
| Credit loss provision to net charge-offs | 55.3571% | 6,689 |
| Earnings coverage of net charge-offs (x) | 0.9714% | 5,145 |
| Efficiency ratio | 77.8140% | 3,225 |
| Assets per employee ($millions) | 2.9806% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7019% | 1,013 |
| Loan loss allowance to noncurrent loans | 83.2127% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 2.6538% | 2,646 |
| Noncurrent loans to loans | 3.2470% | 2,352 |
| Net loans and leases to total assets | 69.4692% | 3,370 |
| Net loans and leases to deposits | 77.9388% | 4,389 |
| Net loans and leases to core deposits | 94.7123% | 4,601 |
| Total domestic deposits to total assets | 89.1331% | 1,419 |
| Equity capital to assets | 10.7059% | 2,963 |
| Core capital (leverage) ratio | 10.8428% | 2,320 |
| Tier 1 risk-based capital ratio | 13.0967% | 4,083 |
| Total risk-based capital ratio | 14.3620% | 4,021 |
| Memoranda: | ||
| Average total assets | $29,708,000 | 7,479 |
| Average earning assets | $27,553,200 | 7,443 |
| Average equity | $3,126,200 | 7,559 |
| Average total loans | $21,591,000 | 7,110 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2356% | 1,280 |
| Cost of funding earning assets | 2.4740% | 1,378 |
| Net interest margin | 3.7616% | 3,808 |
| Noninterest income to average assets | 0.5660% | 3,960 |
| Noninterest expense to average assets | 2.9241% | 4,345 |
| Loan and lease loss provision to assets | 0.2919% | 4,643 |
| Net operating income to assets | 0.9253% | 2,323 |
| Return on assets (ROA) | 0.9702% | 2,215 |
| Pretax return on assets | 0.8983% | 3,231 |
| Return on Equity (ROE) | 9.2601% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.2601% | 782 |
| Net charge-offs to loans | 1.4768% | 1,391 |
| Credit loss provision to net charge-offs | 27.0833% | 6,526 |
| Earnings coverage of net charge-offs (x) | 1.0625% | 4,994 |
| Efficiency ratio | 71.8543% | 4,270 |
| Assets per employee ($millions) | 2.8869% | 6,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3824% | 1,193 |
| Loan loss allowance to noncurrent loans | 92.2671% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 2.3174% | 2,958 |
| Noncurrent loans to loans | 2.5820% | 2,925 |
| Net loans and leases to total assets | 74.5159% | 2,373 |
| Net loans and leases to deposits | 84.2023% | 3,614 |
| Net loans and leases to core deposits | 103.9930% | 3,937 |
| Total domestic deposits to total assets | 88.4963% | 1,437 |
| Equity capital to assets | 11.3097% | 2,739 |
| Core capital (leverage) ratio | 11.4016% | 2,122 |
| Tier 1 risk-based capital ratio | 13.3853% | 3,934 |
| Total risk-based capital ratio | 14.6451% | 3,864 |
| Memoranda: | ||
| Average total assets | $29,683,500 | 7,547 |
| Average earning assets | $27,647,250 | 7,508 |
| Average equity | $3,110,000 | 7,632 |
| Average total loans | $21,668,500 | 7,163 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2338% | 1,376 |
| Cost of funding earning assets | 2.5597% | 1,404 |
| Net interest margin | 3.6741% | 4,068 |
| Noninterest income to average assets | 0.5275% | 4,210 |
| Noninterest expense to average assets | 3.0112% | 4,042 |
| Loan and lease loss provision to assets | 0.2003% | 5,052 |
| Net operating income to assets | 0.8346% | 2,725 |
| Return on assets (ROA) | 0.8947% | 2,584 |
| Pretax return on assets | 0.7878% | 3,710 |
| Return on Equity (ROE) | 8.7630% | 2,442 |
| Retained earnings to average equity (ytd only) | 8.7630% | 995 |
| Net charge-offs to loans | 0.5384% | 2,714 |
| Credit loss provision to net charge-offs | 51.7241% | 5,744 |
| Earnings coverage of net charge-offs (x) | 2.3966% | 3,871 |
| Efficiency ratio | 76.4407% | 3,608 |
| Assets per employee ($millions) | 2.8742% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1583% | 496 |
| Loan loss allowance to noncurrent loans | 160.7656% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 1.8022% | 3,474 |
| Noncurrent loans to loans | 1.9646% | 3,571 |
| Net loans and leases to total assets | 71.6895% | 3,300 |
| Net loans and leases to deposits | 80.7406% | 4,430 |
| Net loans and leases to core deposits | 98.7113% | 4,625 |
| Total domestic deposits to total assets | 88.7899% | 1,379 |
| Equity capital to assets | 10.9700% | 2,948 |
| Core capital (leverage) ratio | 10.7110% | 2,654 |
| Tier 1 risk-based capital ratio | 13.5509% | 3,790 |
| Total risk-based capital ratio | 14.8208% | 3,704 |
| Memoranda: | ||
| Average total assets | $29,955,000 | 7,605 |
| Average earning assets | $27,816,000 | 7,566 |
| Average equity | $3,058,330 | 7,710 |
| Average total loans | $21,545,670 | 7,238 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0472% | 2,165 |
| Cost of funding earning assets | 2.5856% | 1,609 |
| Net interest margin | 3.4616% | 4,890 |
| Noninterest income to average assets | 0.4974% | 4,341 |
| Noninterest expense to average assets | 2.6831% | 5,088 |
| Loan and lease loss provision to assets | 0.1963% | 4,476 |
| Net operating income to assets | 0.6217% | 3,930 |
| Return on assets (ROA) | 0.6413% | 4,016 |
| Pretax return on assets | 0.8507% | 3,886 |
| Return on Equity (ROE) | 6.5095% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.5095% | 2,413 |
| Net charge-offs to loans | 0.0185% | 5,312 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 530 |
| Efficiency ratio | 72.4382% | 4,117 |
| Assets per employee ($millions) | 3.0618% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2808% | 383 |
| Loan loss allowance to noncurrent loans | 149.0605% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 1.6983% | 3,376 |
| Noncurrent loans to loans | 2.2010% | 2,971 |
| Net loans and leases to total assets | 68.7471% | 3,962 |
| Net loans and leases to deposits | 76.4001% | 5,165 |
| Net loans and leases to core deposits | 92.8168% | 5,277 |
| Total domestic deposits to total assets | 89.9830% | 810 |
| Equity capital to assets | 9.7720% | 4,275 |
| Core capital (leverage) ratio | 10.0142% | 3,392 |
| Tier 1 risk-based capital ratio | 12.8858% | 4,265 |
| Total risk-based capital ratio | 14.1560% | 4,172 |
| Memoranda: | ||
| Average total assets | $30,561,500 | 7,626 |
| Average earning assets | $28,310,500 | 7,599 |
| Average equity | $3,011,000 | 7,779 |
| Average total loans | $21,680,000 | 7,265 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0399% | 1,030 |
| Cost of funding earning assets | 2.7463% | 2,943 |
| Net interest margin | 4.2935% | 1,999 |
| Noninterest income to average assets | 0.5544% | 4,196 |
| Noninterest expense to average assets | 3.3945% | 2,696 |
| Loan and lease loss provision to assets | 0.6227% | 2,342 |
| Net operating income to assets | 0.3073% | 5,517 |
| Return on assets (ROA) | 0.3096% | 5,322 |
| Pretax return on assets | 0.5364% | 4,892 |
| Return on Equity (ROE) | 2.8156% | 5,303 |
| Retained earnings to average equity (ytd only) | 2.8156% | 3,429 |
| Net charge-offs to loans | 0.9640% | 1,282 |
| Credit loss provision to net charge-offs | 85.2217% | 5,783 |
| Earnings coverage of net charge-offs (x) | 1.5813% | 5,301 |
| Efficiency ratio | 74.6044% | 3,476 |
| Assets per employee ($millions) | 2.7732% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2412% | 354 |
| Loan loss allowance to noncurrent loans | 140.2806% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 1.7702% | 2,765 |
| Noncurrent loans to loans | 2.3105% | 2,394 |
| Net loans and leases to total assets | 68.5035% | 4,368 |
| Net loans and leases to deposits | 76.2497% | 5,559 |
| Net loans and leases to core deposits | 92.2564% | 5,612 |
| Total domestic deposits to total assets | 89.8410% | 716 |
| Equity capital to assets | 9.9328% | 4,120 |
| Core capital (leverage) ratio | 10.1767% | 3,294 |
| Tier 1 risk-based capital ratio | 12.6822% | 4,302 |
| Total risk-based capital ratio | 13.9520% | 4,204 |
| Memoranda: | ||
| Average total assets | $27,780,200 | 7,739 |
| Average earning assets | $25,852,800 | 7,701 |
| Average equity | $3,054,400 | 7,819 |
| Average total loans | $21,058,400 | 7,257 |