Home > The Harrison Deposit Bank and Trust Company > Performance and Condition Ratios
The Harrison Deposit Bank and Trust Company, Performance and Condition Ratios
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2242% | 6,650 |
| Cost of funding earning assets | 0.5496% | 4,823 |
| Net interest margin | 2.6746% | 6,554 |
| Noninterest income to average assets | 0.3481% | 4,982 |
| Noninterest expense to average assets | 2.1473% | 6,029 |
| Loan and lease loss provision to assets | 0.0156% | 5,705 |
| Net operating income to assets | 0.6786% | 3,838 |
| Return on assets (ROA) | 0.8292% | 3,397 |
| Pretax return on assets | 0.8292% | 4,182 |
| Return on Equity (ROE) | 7.7477% | 3,209 |
| Retained earnings to average equity (ytd only) | 0.1279% | 5,774 |
| Net charge-offs to loans | 0.0579% | 5,119 |
| Credit loss provision to net charge-offs | 61.5385% | 4,403 |
| Earnings coverage of net charge-offs (x) | 27.3077% | 1,074 |
| Efficiency ratio | 75.5678% | 2,816 |
| Assets per employee ($millions) | 4.2963% | 3,368 |
| Cash dividends to net income (ytd only)* | 98.3491% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6300% | 6,719 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 6,602 |
| Noncurrent loans to loans | 0.0525% | 6,366 |
| Net loans and leases to total assets | 44.0559% | 5,810 |
| Net loans and leases to deposits | 52.0236% | 5,806 |
| Net loans and leases to core deposits | 57.6867% | 5,576 |
| Total domestic deposits to total assets | 84.6843% | 3,994 |
| Equity capital to assets | 10.6236% | 3,372 |
| Core capital (leverage) ratio | 10.2160% | 3,117 |
| Tier 1 risk-based capital ratio | 21.1043% | 1,432 |
| Total risk-based capital ratio | 21.6698% | 1,550 |
| Memoranda: | ||
| Average total assets | $51,133,600 | 6,177 |
| Average earning assets | $47,671,000 | 6,130 |
| Average equity | $5,472,600 | 6,155 |
| Average total loans | $22,443,000 | 6,325 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2458% | 6,765 |
| Cost of funding earning assets | 0.5670% | 4,942 |
| Net interest margin | 2.6788% | 6,671 |
| Noninterest income to average assets | 0.3580% | 4,961 |
| Noninterest expense to average assets | 2.1373% | 6,092 |
| Loan and lease loss provision to assets | 0.0209% | 5,532 |
| Net operating income to assets | 0.7055% | 3,891 |
| Return on assets (ROA) | 0.8100% | 3,642 |
| Pretax return on assets | 0.8100% | 4,447 |
| Return on Equity (ROE) | 7.5541% | 3,502 |
| Retained earnings to average equity (ytd only) | 0.9016% | 5,809 |
| Net charge-offs to loans | 0.0776% | 4,627 |
| Credit loss provision to net charge-offs | 61.5385% | 4,117 |
| Earnings coverage of net charge-offs (x) | 21.3883% | 1,410 |
| Efficiency ratio | 74.6350% | 2,885 |
| Assets per employee ($millions) | 4.1968% | 3,478 |
| Cash dividends to net income (ytd only)* | 88.0649% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6411% | 6,818 |
| Loan loss allowance to noncurrent loans | 1,107.6923% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 6,702 |
| Noncurrent loans to loans | 0.0579% | 6,473 |
| Net loans and leases to total assets | 44.3112% | 5,942 |
| Net loans and leases to deposits | 52.7116% | 5,915 |
| Net loans and leases to core deposits | 57.4385% | 5,775 |
| Total domestic deposits to total assets | 84.0634% | 4,184 |
| Equity capital to assets | 11.0182% | 3,251 |
| Core capital (leverage) ratio | 10.6057% | 2,792 |
| Tier 1 risk-based capital ratio | 21.1786% | 1,482 |
| Total risk-based capital ratio | 21.7429% | 1,603 |
| Memoranda: | ||
| Average total assets | $51,028,250 | 6,250 |
| Average earning assets | $47,731,500 | 6,203 |
| Average equity | $5,471,500 | 6,226 |
| Average total loans | $22,339,500 | 6,403 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2377% | 6,851 |
| Cost of funding earning assets | 0.5826% | 5,052 |
| Net interest margin | 2.6551% | 6,769 |
| Noninterest income to average assets | 0.3746% | 4,839 |
| Noninterest expense to average assets | 2.1229% | 6,190 |
| Loan and lease loss provision to assets | 0.0312% | 5,276 |
| Net operating income to assets | 0.7102% | 3,813 |
| Return on assets (ROA) | 0.8546% | 3,387 |
| Pretax return on assets | 0.8546% | 4,260 |
| Return on Equity (ROE) | 8.0431% | 3,238 |
| Retained earnings to average equity (ytd only) | 0.6611% | 5,798 |
| Net charge-offs to loans | 0.1166% | 4,004 |
| Credit loss provision to net charge-offs | 61.5385% | 3,756 |
| Earnings coverage of net charge-offs (x) | 14.6154% | 1,702 |
| Efficiency ratio | 74.1144% | 3,056 |
| Assets per employee ($millions) | 4.1862% | 3,481 |
| Cash dividends to net income (ytd only)* | 91.7808% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6482% | 6,886 |
| Loan loss allowance to noncurrent loans | 2,057.1429% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 6,802 |
| Noncurrent loans to loans | 0.0315% | 6,608 |
| Net loans and leases to total assets | 43.9344% | 6,018 |
| Net loans and leases to deposits | 53.4292% | 5,920 |
| Net loans and leases to core deposits | 59.5264% | 5,642 |
| Total domestic deposits to total assets | 82.2292% | 5,046 |
| Equity capital to assets | 10.9448% | 3,174 |
| Core capital (leverage) ratio | 10.5785% | 2,729 |
| Tier 1 risk-based capital ratio | 20.8753% | 1,507 |
| Total risk-based capital ratio | 21.4336% | 1,633 |
| Memoranda: | ||
| Average total assets | $51,250,330 | 6,281 |
| Average earning assets | $48,058,670 | 6,231 |
| Average equity | $5,445,670 | 6,255 |
| Average total loans | $22,299,330 | 6,448 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2307% | 6,932 |
| Cost of funding earning assets | 0.5919% | 5,196 |
| Net interest margin | 2.6389% | 6,846 |
| Noninterest income to average assets | 0.3632% | 4,970 |
| Noninterest expense to average assets | 2.0557% | 6,369 |
| Loan and lease loss provision to assets | 0.0541% | 4,733 |
| Net operating income to assets | 0.7342% | 3,714 |
| Return on assets (ROA) | 0.9119% | 3,083 |
| Pretax return on assets | 0.9119% | 3,991 |
| Return on Equity (ROE) | 8.7093% | 2,946 |
| Retained earnings to average equity (ytd only) | 2.0666% | 5,236 |
| Net charge-offs to loans | 0.2327% | 2,760 |
| Credit loss provision to net charge-offs | 53.8462% | 3,223 |
| Earnings coverage of net charge-offs (x) | 7.8462% | 2,031 |
| Efficiency ratio | 72.2826% | 3,380 |
| Assets per employee ($millions) | 4.2903% | 3,419 |
| Cash dividends to net income (ytd only)* | 76.2712% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6484% | 6,937 |
| Loan loss allowance to noncurrent loans | 397.2222% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 6,709 |
| Noncurrent loans to loans | 0.1632% | 6,355 |
| Net loans and leases to total assets | 42.5597% | 6,139 |
| Net loans and leases to deposits | 51.8505% | 5,982 |
| Net loans and leases to core deposits | 56.8659% | 5,831 |
| Total domestic deposits to total assets | 82.0815% | 5,268 |
| Equity capital to assets | 10.4656% | 3,533 |
| Core capital (leverage) ratio | 10.4753% | 2,777 |
| Tier 1 risk-based capital ratio | 21.3342% | 1,414 |
| Total risk-based capital ratio | 21.8997% | 1,526 |
| Memoranda: | ||
| Average total assets | $51,758,500 | 6,311 |
| Average earning assets | $48,657,500 | 6,252 |
| Average equity | $5,419,500 | 6,302 |
| Average total loans | $22,342,000 | 6,491 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4511% | 7,020 |
| Cost of funding earning assets | 0.7060% | 5,495 |
| Net interest margin | 2.7450% | 6,891 |
| Noninterest income to average assets | 0.3499% | 5,006 |
| Noninterest expense to average assets | 2.0320% | 6,622 |
| Loan and lease loss provision to assets | 0.1547% | 4,692 |
| Net operating income to assets | 0.7791% | 3,139 |
| Return on assets (ROA) | 0.8487% | 2,978 |
| Pretax return on assets | 0.8487% | 3,777 |
| Return on Equity (ROE) | 8.1170% | 2,852 |
| Retained earnings to average equity (ytd only) | 0.8505% | 5,467 |
| Net charge-offs to loans | 0.4368% | 3,255 |
| Credit loss provision to net charge-offs | 77.6699% | 4,567 |
| Earnings coverage of net charge-offs (x) | 4.6893% | 3,017 |
| Efficiency ratio | 68.5137% | 4,252 |
| Assets per employee ($millions) | 4.3362% | 3,190 |
| Cash dividends to net income (ytd only)* | 89.5216% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6584% | 6,952 |
| Loan loss allowance to noncurrent loans | 413.8889% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 6,783 |
| Noncurrent loans to loans | 0.1591% | 6,436 |
| Net loans and leases to total assets | 43.2044% | 6,275 |
| Net loans and leases to deposits | 52.4754% | 6,168 |
| Net loans and leases to core deposits | 57.4697% | 6,044 |
| Total domestic deposits to total assets | 82.3327% | 5,015 |
| Equity capital to assets | 10.4758% | 3,563 |
| Core capital (leverage) ratio | 10.2896% | 2,984 |
| Tier 1 risk-based capital ratio | 20.7611% | 1,468 |
| Total risk-based capital ratio | 21.3374% | 1,587 |
| Memoranda: | ||
| Average total assets | $51,723,400 | 6,309 |
| Average earning assets | $49,288,800 | 6,225 |
| Average equity | $5,408,400 | 6,322 |
| Average total loans | $23,579,000 | 6,484 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4897% | 7,089 |
| Cost of funding earning assets | 0.7325% | 5,577 |
| Net interest margin | 2.7572% | 6,936 |
| Noninterest income to average assets | 0.3666% | 4,939 |
| Noninterest expense to average assets | 2.0033% | 6,683 |
| Loan and lease loss provision to assets | 0.0336% | 6,020 |
| Net operating income to assets | 0.9629% | 2,470 |
| Return on assets (ROA) | 1.0172% | 2,415 |
| Pretax return on assets | 1.0172% | 3,345 |
| Return on Equity (ROE) | 9.7322% | 2,303 |
| Retained earnings to average equity (ytd only) | 2.3219% | 4,957 |
| Net charge-offs to loans | 0.1120% | 4,890 |
| Credit loss provision to net charge-offs | 65.0000% | 4,628 |
| Earnings coverage of net charge-offs (x) | 19.2970% | 1,266 |
| Efficiency ratio | 66.7814% | 4,569 |
| Assets per employee ($millions) | 4.2033% | 3,432 |
| Cash dividends to net income (ytd only)* | 76.1422% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6961% | 6,970 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 7,045 |
| Noncurrent loans to loans | 0.0211% | 6,886 |
| Net loans and leases to total assets | 46.6634% | 6,090 |
| Net loans and leases to deposits | 57.1828% | 5,919 |
| Net loans and leases to core deposits | 62.8676% | 5,726 |
| Total domestic deposits to total assets | 81.6039% | 5,221 |
| Equity capital to assets | 10.9635% | 3,180 |
| Core capital (leverage) ratio | 10.7922% | 2,579 |
| Tier 1 risk-based capital ratio | 20.4912% | 1,568 |
| Total risk-based capital ratio | 21.1156% | 1,687 |
| Memoranda: | ||
| Average total assets | $51,645,750 | 6,372 |
| Average earning assets | $49,324,500 | 6,273 |
| Average equity | $5,397,750 | 6,369 |
| Average total loans | $23,816,250 | 6,540 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4616% | 7,183 |
| Cost of funding earning assets | 0.7558% | 5,637 |
| Net interest margin | 2.7058% | 7,023 |
| Noninterest income to average assets | 0.3881% | 4,771 |
| Noninterest expense to average assets | 2.0059% | 6,779 |
| Loan and lease loss provision to assets | 0.0154% | 6,088 |
| Net operating income to assets | 0.9530% | 2,426 |
| Return on assets (ROA) | 0.9991% | 2,337 |
| Pretax return on assets | 0.9991% | 3,245 |
| Return on Equity (ROE) | 9.7130% | 2,228 |
| Retained earnings to average equity (ytd only) | 1.1954% | 5,379 |
| Net charge-offs to loans | 0.0755% | 4,889 |
| Credit loss provision to net charge-offs | 44.4444% | 4,722 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 975 |
| Efficiency ratio | 67.4419% | 4,619 |
| Assets per employee ($millions) | 4.1921% | 3,363 |
| Cash dividends to net income (ytd only)* | 87.6923% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 7,006 |
| Loan loss allowance to noncurrent loans | 927.7778% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 7,011 |
| Noncurrent loans to loans | 0.0764% | 6,790 |
| Net loans and leases to total assets | 46.5222% | 6,212 |
| Net loans and leases to deposits | 57.1237% | 6,037 |
| Net loans and leases to core deposits | 62.8252% | 5,823 |
| Total domestic deposits to total assets | 81.4412% | 5,372 |
| Equity capital to assets | 10.8120% | 3,165 |
| Core capital (leverage) ratio | 10.4045% | 2,826 |
| Tier 1 risk-based capital ratio | 20.6107% | 1,491 |
| Total risk-based capital ratio | 21.2537% | 1,586 |
| Memoranda: | ||
| Average total assets | $52,047,670 | 6,411 |
| Average earning assets | $49,745,670 | 6,305 |
| Average equity | $5,353,670 | 6,426 |
| Average total loans | $23,854,330 | 6,602 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3823% | 7,276 |
| Cost of funding earning assets | 0.7648% | 5,776 |
| Net interest margin | 2.6176% | 7,110 |
| Noninterest income to average assets | 0.3704% | 4,949 |
| Noninterest expense to average assets | 1.9502% | 6,909 |
| Loan and lease loss provision to assets | 0.0302% | 5,588 |
| Net operating income to assets | 0.8995% | 2,563 |
| Return on assets (ROA) | 0.9751% | 2,326 |
| Pretax return on assets | 0.9751% | 3,222 |
| Return on Equity (ROE) | 9.7157% | 2,203 |
| Retained earnings to average equity (ytd only) | 1.5816% | 5,164 |
| Net charge-offs to loans | 0.1000% | 3,949 |
| Credit loss provision to net charge-offs | 66.6667% | 3,413 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,107 |
| Efficiency ratio | 67.7165% | 4,708 |
| Assets per employee ($millions) | 4.3537% | 3,125 |
| Cash dividends to net income (ytd only)* | 83.7209% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7249% | 7,044 |
| Loan loss allowance to noncurrent loans | 2,833.3333% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 7,167 |
| Noncurrent loans to loans | 0.0256% | 6,995 |
| Net loans and leases to total assets | 44.5621% | 6,422 |
| Net loans and leases to deposits | 54.1343% | 6,284 |
| Net loans and leases to core deposits | 59.2512% | 6,167 |
| Total domestic deposits to total assets | 82.3176% | 5,184 |
| Equity capital to assets | 10.2079% | 3,529 |
| Core capital (leverage) ratio | 10.1563% | 2,967 |
| Tier 1 risk-based capital ratio | 20.9951% | 1,395 |
| Total risk-based capital ratio | 21.6633% | 1,475 |
| Memoranda: | ||
| Average total assets | $52,919,000 | 6,415 |
| Average earning assets | $50,734,000 | 6,316 |
| Average equity | $5,311,000 | 6,452 |
| Average total loans | $23,996,500 | 6,646 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 7,212 |
| Cost of funding earning assets | 1.0850% | 5,221 |
| Net interest margin | 2.7933% | 7,036 |
| Noninterest income to average assets | 0.4139% | 4,791 |
| Noninterest expense to average assets | 1.9938% | 7,034 |
| Loan and lease loss provision to assets | 0.0283% | 6,845 |
| Net operating income to assets | 1.0678% | 1,815 |
| Return on assets (ROA) | 1.1660% | 1,574 |
| Pretax return on assets | 1.1660% | 2,341 |
| Return on Equity (ROE) | 10.6699% | 1,703 |
| Retained earnings to average equity (ytd only) | -11.0158% | 6,712 |
| Net charge-offs to loans | 0.0469% | 6,334 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 48.3333% | 479 |
| Efficiency ratio | 64.5260% | 5,254 |
| Assets per employee ($millions) | 4.4662% | 2,928 |
| Cash dividends to net income (ytd only)* | 203.2415% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7008% | 7,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 45.4715% | 6,601 |
| Net loans and leases to deposits | 54.9443% | 6,525 |
| Net loans and leases to core deposits | 59.5916% | 6,426 |
| Total domestic deposits to total assets | 82.7593% | 4,904 |
| Equity capital to assets | 9.8686% | 3,914 |
| Core capital (leverage) ratio | 10.3228% | 2,747 |
| Tier 1 risk-based capital ratio | 20.5587% | 1,394 |
| Total risk-based capital ratio | 21.2232% | 1,463 |
| Memoranda: | ||
| Average total assets | $52,915,000 | 6,432 |
| Average earning assets | $50,693,200 | 6,341 |
| Average equity | $5,782,600 | 6,436 |
| Average total loans | $25,609,200 | 6,631 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 7,301 |
| Cost of funding earning assets | 1.1653% | 5,059 |
| Net interest margin | 2.8063% | 7,124 |
| Noninterest income to average assets | 0.4373% | 4,655 |
| Noninterest expense to average assets | 2.0248% | 7,005 |
| Loan and lease loss provision to assets | 0.0152% | 6,889 |
| Net operating income to assets | 1.0819% | 1,959 |
| Return on assets (ROA) | 1.1957% | 1,688 |
| Pretax return on assets | 1.1957% | 2,505 |
| Return on Equity (ROE) | 10.6781% | 1,879 |
| Retained earnings to average equity (ytd only) | -17.6314% | 7,152 |
| Net charge-offs to loans | 0.0412% | 6,132 |
| Credit loss provision to net charge-offs | 75.0000% | 5,278 |
| Earnings coverage of net charge-offs (x) | 54.2315% | 535 |
| Efficiency ratio | 64.8583% | 5,078 |
| Assets per employee ($millions) | 4.2127% | 3,428 |
| Cash dividends to net income (ytd only)* | 265.1169% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 7,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 49.7646% | 6,347 |
| Net loans and leases to deposits | 62.4631% | 6,066 |
| Net loans and leases to core deposits | 64.8744% | 6,221 |
| Total domestic deposits to total assets | 79.6704% | 5,817 |
| Equity capital to assets | 10.4665% | 3,552 |
| Core capital (leverage) ratio | 10.0802% | 3,170 |
| Tier 1 risk-based capital ratio | 18.6388% | 1,836 |
| Total risk-based capital ratio | 19.2402% | 1,990 |
| Memoranda: | ||
| Average total assets | $52,745,250 | 6,513 |
| Average earning assets | $50,456,750 | 6,423 |
| Average equity | $5,906,000 | 6,477 |
| Average total loans | $25,876,000 | 6,705 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9709% | 7,389 |
| Cost of funding earning assets | 1.1948% | 5,158 |
| Net interest margin | 2.7762% | 7,177 |
| Noninterest income to average assets | 0.4525% | 4,491 |
| Noninterest expense to average assets | 1.9448% | 7,192 |
| Loan and lease loss provision to assets | 0.0224% | 6,710 |
| Net operating income to assets | 1.1444% | 1,710 |
| Return on assets (ROA) | 1.2305% | 1,547 |
| Pretax return on assets | 1.2305% | 2,317 |
| Return on Equity (ROE) | 10.7675% | 1,831 |
| Retained earnings to average equity (ytd only) | 2.5200% | 4,553 |
| Net charge-offs to loans | 0.0614% | 5,530 |
| Credit loss provision to net charge-offs | 75.0000% | 4,838 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 746 |
| Efficiency ratio | 62.5000% | 5,613 |
| Assets per employee ($millions) | 4.4456% | 2,971 |
| Cash dividends to net income (ytd only)* | 76.5957% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6476% | 7,341 |
| Loan loss allowance to noncurrent loans | 1,284.6154% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 7,344 |
| Noncurrent loans to loans | 0.0504% | 7,190 |
| Net loans and leases to total assets | 48.0289% | 6,621 |
| Net loans and leases to deposits | 62.3771% | 6,200 |
| Net loans and leases to core deposits | 64.3187% | 6,378 |
| Total domestic deposits to total assets | 76.9978% | 6,504 |
| Equity capital to assets | 11.5264% | 2,418 |
| Core capital (leverage) ratio | 11.2880% | 2,040 |
| Tier 1 risk-based capital ratio | 21.5551% | 1,262 |
| Total risk-based capital ratio | 22.1516% | 1,332 |
| Memoranda: | ||
| Average total assets | $53,476,330 | 6,536 |
| Average earning assets | $51,222,000 | 6,434 |
| Average equity | $6,111,000 | 6,431 |
| Average total loans | $26,060,000 | 6,743 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 7,463 |
| Cost of funding earning assets | 1.2048% | 5,381 |
| Net interest margin | 2.7852% | 7,198 |
| Noninterest income to average assets | 0.4483% | 4,486 |
| Noninterest expense to average assets | 1.9947% | 7,171 |
| Loan and lease loss provision to assets | 0.0448% | 6,225 |
| Net operating income to assets | 1.0683% | 1,936 |
| Return on assets (ROA) | 1.1655% | 1,708 |
| Pretax return on assets | 1.1655% | 2,490 |
| Return on Equity (ROE) | 10.2429% | 2,023 |
| Retained earnings to average equity (ytd only) | 2.3638% | 4,723 |
| Net charge-offs to loans | 0.1374% | 4,121 |
| Credit loss provision to net charge-offs | 66.6667% | 4,165 |
| Earnings coverage of net charge-offs (x) | 16.5556% | 1,325 |
| Efficiency ratio | 64.1827% | 5,461 |
| Assets per employee ($millions) | 4.4028% | 3,122 |
| Cash dividends to net income (ytd only)* | 76.9231% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6456% | 7,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 48.3524% | 6,638 |
| Net loans and leases to deposits | 62.7620% | 6,202 |
| Net loans and leases to core deposits | 64.7357% | 6,400 |
| Total domestic deposits to total assets | 77.0409% | 6,554 |
| Equity capital to assets | 11.5893% | 2,301 |
| Core capital (leverage) ratio | 11.2088% | 2,087 |
| Tier 1 risk-based capital ratio | 21.2455% | 1,302 |
| Total risk-based capital ratio | 21.8339% | 1,384 |
| Memoranda: | ||
| Average total assets | $53,541,000 | 6,620 |
| Average earning assets | $51,127,500 | 6,508 |
| Average equity | $6,092,000 | 6,490 |
| Average total loans | $26,195,500 | 6,820 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 7,431 |
| Cost of funding earning assets | 1.5616% | 5,220 |
| Net interest margin | 2.8909% | 6,882 |
| Noninterest income to average assets | 0.4218% | 5,041 |
| Noninterest expense to average assets | 1.9115% | 7,487 |
| Loan and lease loss provision to assets | 0.1059% | 6,580 |
| Net operating income to assets | 1.1954% | 1,257 |
| Return on assets (ROA) | 1.2492% | 1,189 |
| Pretax return on assets | 1.2492% | 1,827 |
| Return on Equity (ROE) | 11.4977% | 1,290 |
| Retained earnings to average equity (ytd only) | 0.4460% | 4,655 |
| Net charge-offs to loans | 0.2353% | 5,153 |
| Credit loss provision to net charge-offs | 92.1875% | 5,933 |
| Earnings coverage of net charge-offs (x) | 11.3281% | 1,600 |
| Efficiency ratio | 59.4972% | 6,558 |
| Assets per employee ($millions) | 4.5208% | 2,885 |
| Cash dividends to net income (ytd only)* | 96.1207% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6335% | 7,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 48.8673% | 6,741 |
| Net loans and leases to deposits | 62.7827% | 6,385 |
| Net loans and leases to core deposits | 75.1247% | 6,461 |
| Total domestic deposits to total assets | 77.8355% | 6,260 |
| Equity capital to assets | 11.1726% | 2,557 |
| Core capital (leverage) ratio | 10.6186% | 2,490 |
| Tier 1 risk-based capital ratio | 20.9888% | 1,293 |
| Total risk-based capital ratio | 21.5844% | 1,366 |
| Memoranda: | ||
| Average total assets | $55,715,600 | 6,504 |
| Average earning assets | $53,789,600 | 6,382 |
| Average equity | $6,053,400 | 6,587 |
| Average total loans | $27,197,200 | 6,792 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 7,504 |
| Cost of funding earning assets | 1.6222% | 5,295 |
| Net interest margin | 2.8788% | 6,905 |
| Noninterest income to average assets | 0.4137% | 5,183 |
| Noninterest expense to average assets | 1.8948% | 7,553 |
| Loan and lease loss provision to assets | 0.0190% | 7,160 |
| Net operating income to assets | 1.2886% | 1,250 |
| Return on assets (ROA) | 1.3551% | 1,172 |
| Pretax return on assets | 1.3551% | 1,812 |
| Return on Equity (ROE) | 12.5585% | 1,219 |
| Retained earnings to average equity (ytd only) | 0.4627% | 5,009 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1685% | 6,537 |
| Assets per employee ($millions) | 4.6196% | 2,672 |
| Cash dividends to net income (ytd only)* | 96.3157% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6339% | 7,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 48.0689% | 6,945 |
| Net loans and leases to deposits | 63.1520% | 6,577 |
| Net loans and leases to core deposits | 76.4488% | 6,582 |
| Total domestic deposits to total assets | 76.1162% | 6,563 |
| Equity capital to assets | 11.0021% | 3,000 |
| Core capital (leverage) ratio | 10.7744% | 2,577 |
| Tier 1 risk-based capital ratio | 20.7789% | 1,402 |
| Total risk-based capital ratio | 21.3727% | 1,486 |
| Memoranda: | ||
| Average total assets | $56,082,250 | 6,542 |
| Average earning assets | $54,326,500 | 6,408 |
| Average equity | $6,051,500 | 6,646 |
| Average total loans | $27,326,750 | 6,839 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 7,554 |
| Cost of funding earning assets | 1.6932% | 5,306 |
| Net interest margin | 2.8880% | 6,829 |
| Noninterest income to average assets | 0.4156% | 5,157 |
| Noninterest expense to average assets | 1.8899% | 7,638 |
| Loan and lease loss provision to assets | 0.0284% | 6,959 |
| Net operating income to assets | 1.2967% | 1,234 |
| Return on assets (ROA) | 1.3677% | 1,157 |
| Pretax return on assets | 1.3677% | 1,810 |
| Return on Equity (ROE) | 12.7575% | 1,229 |
| Retained earnings to average equity (ytd only) | 1.1266% | 4,706 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7845% | 6,723 |
| Assets per employee ($millions) | 4.5477% | 2,700 |
| Cash dividends to net income (ytd only)* | 91.1688% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6379% | 7,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 48.5194% | 6,991 |
| Net loans and leases to deposits | 63.7042% | 6,594 |
| Net loans and leases to core deposits | 76.0971% | 6,668 |
| Total domestic deposits to total assets | 76.1636% | 6,516 |
| Equity capital to assets | 11.0258% | 2,898 |
| Core capital (leverage) ratio | 10.5409% | 2,776 |
| Tier 1 risk-based capital ratio | 21.1988% | 1,364 |
| Total risk-based capital ratio | 21.8031% | 1,437 |
| Memoranda: | ||
| Average total assets | $56,298,000 | 6,577 |
| Average earning assets | $54,570,670 | 6,445 |
| Average equity | $6,035,670 | 6,699 |
| Average total loans | $27,496,670 | 6,879 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6106% | 7,611 |
| Cost of funding earning assets | 1.7244% | 5,498 |
| Net interest margin | 2.8861% | 6,775 |
| Noninterest income to average assets | 0.4059% | 5,171 |
| Noninterest expense to average assets | 1.8684% | 7,611 |
| Loan and lease loss provision to assets | 0.0560% | 6,260 |
| Net operating income to assets | 1.2806% | 1,430 |
| Return on assets (ROA) | 1.2806% | 1,531 |
| Pretax return on assets | 1.2806% | 2,344 |
| Return on Equity (ROE) | 12.1092% | 1,628 |
| Retained earnings to average equity (ytd only) | 1.7866% | 4,853 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2969% | 6,651 |
| Assets per employee ($millions) | 4.7770% | 2,327 |
| Cash dividends to net income (ytd only)* | 85.2459% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6111% | 7,642 |
| Loan loss allowance to noncurrent loans | 1,214.2857% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 7,553 |
| Noncurrent loans to loans | 0.0503% | 7,394 |
| Net loans and leases to total assets | 48.2329% | 7,008 |
| Net loans and leases to deposits | 62.4399% | 6,697 |
| Net loans and leases to core deposits | 73.5326% | 6,836 |
| Total domestic deposits to total assets | 77.2469% | 6,216 |
| Equity capital to assets | 10.6482% | 3,328 |
| Core capital (leverage) ratio | 10.3895% | 3,035 |
| Tier 1 risk-based capital ratio | 19.7775% | 1,656 |
| Total risk-based capital ratio | 20.3420% | 1,754 |
| Memoranda: | ||
| Average total assets | $57,161,000 | 6,576 |
| Average earning assets | $55,438,000 | 6,438 |
| Average equity | $6,045,000 | 6,743 |
| Average total loans | $27,921,000 | 6,890 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4624% | 7,377 |
| Cost of funding earning assets | 2.4346% | 4,550 |
| Net interest margin | 3.0278% | 6,841 |
| Noninterest income to average assets | 0.4308% | 5,206 |
| Noninterest expense to average assets | 1.7637% | 7,794 |
| Loan and lease loss provision to assets | 0.0971% | 6,145 |
| Net operating income to assets | 1.4353% | 1,156 |
| Return on assets (ROA) | 1.0681% | 2,180 |
| Pretax return on assets | 1.0681% | 3,145 |
| Return on Equity (ROE) | 10.1130% | 2,223 |
| Retained earnings to average equity (ytd only) | 0.1337% | 5,149 |
| Net charge-offs to loans | 0.2003% | 4,194 |
| Credit loss provision to net charge-offs | 96.4912% | 5,496 |
| Earnings coverage of net charge-offs (x) | 15.2281% | 1,945 |
| Efficiency ratio | 53.5083% | 7,330 |
| Assets per employee ($millions) | 4.7498% | 2,241 |
| Cash dividends to net income (ytd only)* | 98.6777% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5781% | 7,712 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 7,582 |
| Noncurrent loans to loans | 0.0214% | 7,432 |
| Net loans and leases to total assets | 48.8807% | 7,116 |
| Net loans and leases to deposits | 63.2888% | 6,857 |
| Net loans and leases to core deposits | 75.0222% | 6,913 |
| Total domestic deposits to total assets | 77.2343% | 5,935 |
| Equity capital to assets | 10.5021% | 3,502 |
| Core capital (leverage) ratio | 10.2811% | 3,186 |
| Tier 1 risk-based capital ratio | 20.2999% | 1,572 |
| Total risk-based capital ratio | 20.8546% | 1,640 |
| Memoranda: | ||
| Average total assets | $56,642,400 | 6,507 |
| Average earning assets | $53,603,000 | 6,435 |
| Average equity | $5,982,400 | 6,814 |
| Average total loans | $28,462,800 | 6,803 |