Home > The Murray State Bank > Performance and Condition Ratios
The Murray State Bank, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4348% | 4,915 |
| Cost of funding earning assets | 0.4264% | 2,745 |
| Net interest margin | 3.0084% | 4,942 |
| Noninterest income to average assets | 0.3618% | 4,159 |
| Noninterest expense to average assets | 2.6813% | 3,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3598% | 5,057 |
| Return on assets (ROA) | 0.3598% | 5,142 |
| Pretax return on assets | 0.5346% | 4,958 |
| Return on Equity (ROE) | 3.4713% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.4713% | 3,454 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3755% | 1,067 |
| Assets per employee ($millions) | 6.8416% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 4,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 60.6753% | 3,778 |
| Net loans and leases to deposits | 75.8219% | 3,336 |
| Net loans and leases to core deposits | 76.5309% | 3,705 |
| Total domestic deposits to total assets | 80.0234% | 4,570 |
| Equity capital to assets | 10.7285% | 2,890 |
| Core capital (leverage) ratio | 10.7695% | 2,565 |
| Tier 1 risk-based capital ratio | 16.0690% | 2,510 |
| Total risk-based capital ratio | 16.8773% | 2,625 |
| Memoranda: | ||
| Average total assets | $49,193,400 | 5,364 |
| Average earning assets | $46,668,800 | 5,318 |
| Average equity | $5,099,000 | 5,451 |
| Average total loans | $29,611,400 | 5,203 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4127% | 5,001 |
| Cost of funding earning assets | 0.4259% | 2,769 |
| Net interest margin | 2.9868% | 5,037 |
| Noninterest income to average assets | 0.3877% | 4,006 |
| Noninterest expense to average assets | 2.5687% | 3,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4658% | 4,818 |
| Return on assets (ROA) | 0.4658% | 4,894 |
| Pretax return on assets | 0.6516% | 4,737 |
| Return on Equity (ROE) | 4.5323% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.5323% | 3,114 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7659% | 1,462 |
| Assets per employee ($millions) | 7.4829% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 5,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 58.3982% | 4,059 |
| Net loans and leases to deposits | 71.2383% | 3,863 |
| Net loans and leases to core deposits | 71.8321% | 4,173 |
| Total domestic deposits to total assets | 81.9759% | 3,941 |
| Equity capital to assets | 9.9026% | 4,237 |
| Core capital (leverage) ratio | 10.8606% | 2,614 |
| Tier 1 risk-based capital ratio | 15.1261% | 2,986 |
| Total risk-based capital ratio | 15.8876% | 3,162 |
| Memoranda: | ||
| Average total assets | $49,519,000 | 5,407 |
| Average earning assets | $46,961,000 | 5,363 |
| Average equity | $5,089,250 | 5,512 |
| Average total loans | $29,685,000 | 5,249 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5147% | 4,824 |
| Cost of funding earning assets | 0.4431% | 2,631 |
| Net interest margin | 3.0716% | 4,911 |
| Noninterest income to average assets | 0.3789% | 4,034 |
| Noninterest expense to average assets | 2.5821% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5065% | 4,653 |
| Return on assets (ROA) | 0.5065% | 4,764 |
| Pretax return on assets | 0.7083% | 4,589 |
| Return on Equity (ROE) | 4.8649% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.8649% | 2,813 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4731% | 1,717 |
| Assets per employee ($millions) | 7.0376% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 4,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 57.6660% | 4,148 |
| Net loans and leases to deposits | 71.3016% | 3,859 |
| Net loans and leases to core deposits | 71.9408% | 4,183 |
| Total domestic deposits to total assets | 80.8761% | 4,312 |
| Equity capital to assets | 10.4480% | 3,697 |
| Core capital (leverage) ratio | 11.1254% | 2,302 |
| Tier 1 risk-based capital ratio | 16.4228% | 2,458 |
| Total risk-based capital ratio | 17.2576% | 2,575 |
| Memoranda: | ||
| Average total assets | $48,565,330 | 5,491 |
| Average earning assets | $46,034,670 | 5,445 |
| Average equity | $5,056,670 | 5,574 |
| Average total loans | $29,297,330 | 5,319 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6393% | 4,508 |
| Cost of funding earning assets | 0.4374% | 2,701 |
| Net interest margin | 3.2019% | 4,573 |
| Noninterest income to average assets | 0.3816% | 3,976 |
| Noninterest expense to average assets | 2.6713% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4895% | 4,672 |
| Return on assets (ROA) | 0.4895% | 4,773 |
| Pretax return on assets | 0.7466% | 4,374 |
| Return on Equity (ROE) | 4.7092% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.7092% | 3,114 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1553% | 1,875 |
| Assets per employee ($millions) | 6.0516% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 5,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 61.4835% | 3,596 |
| Net loans and leases to deposits | 81.9391% | 2,549 |
| Net loans and leases to core deposits | 82.7500% | 3,060 |
| Total domestic deposits to total assets | 75.0356% | 5,518 |
| Equity capital to assets | 10.4497% | 3,557 |
| Core capital (leverage) ratio | 10.8424% | 2,579 |
| Tier 1 risk-based capital ratio | 15.9557% | 2,702 |
| Total risk-based capital ratio | 16.7771% | 2,835 |
| Memoranda: | ||
| Average total assets | $48,216,500 | 5,545 |
| Average earning assets | $45,723,500 | 5,501 |
| Average equity | $5,011,500 | 5,622 |
| Average total loans | $29,612,500 | 5,352 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5726% | 4,742 |
| Cost of funding earning assets | 0.4342% | 2,800 |
| Net interest margin | 3.1384% | 4,814 |
| Noninterest income to average assets | 0.3647% | 4,293 |
| Noninterest expense to average assets | 2.5840% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4664% | 4,825 |
| Return on assets (ROA) | 0.4730% | 4,877 |
| Pretax return on assets | 0.7731% | 4,282 |
| Return on Equity (ROE) | 4.6412% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.6412% | 2,685 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2105% | 2,086 |
| Assets per employee ($millions) | 6.0025% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 5,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 60.2686% | 3,795 |
| Net loans and leases to deposits | 80.0293% | 2,820 |
| Net loans and leases to core deposits | 80.8205% | 3,258 |
| Total domestic deposits to total assets | 75.3082% | 5,520 |
| Equity capital to assets | 10.3374% | 3,579 |
| Core capital (leverage) ratio | 10.5163% | 2,911 |
| Tier 1 risk-based capital ratio | 16.1392% | 2,630 |
| Total risk-based capital ratio | 16.9799% | 2,751 |
| Memoranda: | ||
| Average total assets | $47,988,400 | 5,587 |
| Average earning assets | $45,597,000 | 5,540 |
| Average equity | $4,891,000 | 5,680 |
| Average total loans | $29,727,800 | 5,368 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5442% | 4,876 |
| Cost of funding earning assets | 0.4412% | 2,784 |
| Net interest margin | 3.1030% | 4,960 |
| Noninterest income to average assets | 0.3640% | 4,324 |
| Noninterest expense to average assets | 2.4954% | 4,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6202% | 4,283 |
| Return on assets (ROA) | 0.6308% | 4,345 |
| Pretax return on assets | 0.8337% | 4,228 |
| Return on Equity (ROE) | 6.2113% | 4,046 |
| Retained earnings to average equity (ytd only) | 6.2113% | 2,110 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2724% | 2,357 |
| Assets per employee ($millions) | 6.2915% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8209% | 5,467 |
| 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 | 62.1692% | 3,578 |
| Net loans and leases to deposits | 79.1116% | 2,980 |
| Net loans and leases to core deposits | 79.8260% | 3,440 |
| Total domestic deposits to total assets | 78.5842% | 5,071 |
| Equity capital to assets | 9.9340% | 4,250 |
| Core capital (leverage) ratio | 10.8254% | 2,681 |
| Tier 1 risk-based capital ratio | 15.0767% | 3,258 |
| Total risk-based capital ratio | 15.8621% | 3,421 |
| Memoranda: | ||
| Average total assets | $47,980,500 | 5,657 |
| Average earning assets | $45,632,250 | 5,607 |
| Average equity | $4,872,750 | 5,759 |
| Average total loans | $29,859,750 | 5,427 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 4,826 |
| Cost of funding earning assets | 0.4593% | 2,616 |
| Net interest margin | 3.1039% | 4,963 |
| Noninterest income to average assets | 0.3814% | 4,225 |
| Noninterest expense to average assets | 2.5256% | 4,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6070% | 4,313 |
| Return on assets (ROA) | 0.6229% | 4,358 |
| Pretax return on assets | 0.8263% | 4,221 |
| Return on Equity (ROE) | 6.0865% | 4,086 |
| Retained earnings to average equity (ytd only) | 6.0865% | 2,181 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8270% | 2,392 |
| Assets per employee ($millions) | 5.6949% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 5,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 61.7814% | 3,584 |
| Net loans and leases to deposits | 76.2895% | 3,234 |
| Net loans and leases to core deposits | 77.0285% | 3,662 |
| Total domestic deposits to total assets | 80.9829% | 4,622 |
| Equity capital to assets | 10.7904% | 3,124 |
| Core capital (leverage) ratio | 11.1646% | 2,277 |
| Tier 1 risk-based capital ratio | 16.6565% | 2,536 |
| Total risk-based capital ratio | 17.5381% | 2,673 |
| Memoranda: | ||
| Average total assets | $47,196,670 | 5,739 |
| Average earning assets | $44,846,670 | 5,689 |
| Average equity | $4,830,330 | 5,823 |
| Average total loans | $29,296,330 | 5,502 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 4,701 |
| Cost of funding earning assets | 0.4650% | 2,621 |
| Net interest margin | 3.1323% | 4,844 |
| Noninterest income to average assets | 0.3499% | 4,399 |
| Noninterest expense to average assets | 2.4909% | 4,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6415% | 4,081 |
| Return on assets (ROA) | 0.6415% | 4,200 |
| Pretax return on assets | 0.8331% | 4,118 |
| Return on Equity (ROE) | 6.4334% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.4334% | 2,267 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9373% | 2,659 |
| Assets per employee ($millions) | 5.7219% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 5,462 |
| 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 | 62.9885% | 3,237 |
| Net loans and leases to deposits | 80.8553% | 2,469 |
| Net loans and leases to core deposits | 81.6660% | 2,990 |
| Total domestic deposits to total assets | 77.9028% | 5,471 |
| Equity capital to assets | 10.5844% | 3,448 |
| Core capital (leverage) ratio | 10.4172% | 3,080 |
| Tier 1 risk-based capital ratio | 16.5437% | 2,665 |
| Total risk-based capital ratio | 17.4366% | 2,772 |
| Memoranda: | ||
| Average total assets | $48,015,500 | 5,770 |
| Average earning assets | $45,589,000 | 5,721 |
| Average equity | $4,787,500 | 5,887 |
| Average total loans | $29,741,500 | 5,520 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 5,244 |
| Cost of funding earning assets | 0.4799% | 2,880 |
| Net interest margin | 3.0531% | 5,307 |
| Noninterest income to average assets | 0.3431% | 4,644 |
| Noninterest expense to average assets | 2.4968% | 4,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4400% | 5,067 |
| Return on assets (ROA) | 0.4400% | 5,155 |
| Pretax return on assets | 0.7226% | 4,543 |
| Return on Equity (ROE) | 4.7451% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.7451% | 2,798 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5549% | 2,268 |
| Assets per employee ($millions) | 6.2820% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 5,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 59.9570% | 3,796 |
| Net loans and leases to deposits | 83.2790% | 2,299 |
| Net loans and leases to core deposits | 84.0995% | 2,891 |
| Total domestic deposits to total assets | 71.9954% | 6,085 |
| Equity capital to assets | 9.4118% | 4,825 |
| Core capital (leverage) ratio | 9.8086% | 3,824 |
| Tier 1 risk-based capital ratio | 15.1134% | 3,430 |
| Total risk-based capital ratio | 15.9383% | 3,590 |
| Memoranda: | ||
| Average total assets | $49,543,400 | 5,797 |
| Average earning assets | $46,673,800 | 5,758 |
| Average equity | $4,594,200 | 5,961 |
| Average total loans | $28,927,200 | 5,606 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5083% | 5,380 |
| Cost of funding earning assets | 0.4913% | 2,848 |
| Net interest margin | 3.0170% | 5,470 |
| Noninterest income to average assets | 0.3538% | 4,609 |
| Noninterest expense to average assets | 2.4713% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3727% | 5,356 |
| Return on assets (ROA) | 0.3727% | 5,433 |
| Pretax return on assets | 0.7184% | 4,639 |
| Return on Equity (ROE) | 4.0349% | 5,155 |
| Retained earnings to average equity (ytd only) | 4.0349% | 3,780 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4767% | 2,271 |
| Assets per employee ($millions) | 6.6329% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 5,770 |
| 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 | 57.5844% | 4,124 |
| Net loans and leases to deposits | 73.6893% | 3,470 |
| Net loans and leases to core deposits | 76.0800% | 3,729 |
| Total domestic deposits to total assets | 78.1448% | 5,501 |
| Equity capital to assets | 8.7406% | 5,605 |
| Core capital (leverage) ratio | 9.5986% | 4,247 |
| Tier 1 risk-based capital ratio | 14.4921% | 3,891 |
| Total risk-based capital ratio | 15.2967% | 4,122 |
| Memoranda: | ||
| Average total assets | $49,365,250 | 5,865 |
| Average earning assets | $46,403,000 | 5,830 |
| Average equity | $4,560,250 | 6,033 |
| Average total loans | $28,561,250 | 5,681 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 5,268 |
| Cost of funding earning assets | 0.5031% | 2,801 |
| Net interest margin | 3.0540% | 5,386 |
| Noninterest income to average assets | 0.3407% | 4,698 |
| Noninterest expense to average assets | 2.4848% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3781% | 5,298 |
| Return on assets (ROA) | 0.3781% | 5,368 |
| Pretax return on assets | 0.7313% | 4,533 |
| Return on Equity (ROE) | 4.0138% | 5,141 |
| Retained earnings to average equity (ytd only) | 4.0138% | 3,626 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2610% | 2,415 |
| Assets per employee ($millions) | 6.1585% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 5,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 54.8530% | 4,427 |
| Net loans and leases to deposits | 65.8889% | 4,278 |
| Net loans and leases to core deposits | 68.0491% | 4,459 |
| Total domestic deposits to total assets | 83.2508% | 4,212 |
| Equity capital to assets | 9.3286% | 4,952 |
| Core capital (leverage) ratio | 9.8088% | 3,874 |
| Tier 1 risk-based capital ratio | 16.3625% | 2,895 |
| Total risk-based capital ratio | 17.2802% | 3,006 |
| Memoranda: | ||
| Average total assets | $48,132,670 | 5,943 |
| Average earning assets | $45,317,000 | 5,905 |
| Average equity | $4,534,330 | 6,082 |
| Average total loans | $27,810,000 | 5,757 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 5,015 |
| Cost of funding earning assets | 0.5300% | 2,602 |
| Net interest margin | 3.1173% | 5,185 |
| Noninterest income to average assets | 0.3868% | 4,297 |
| Noninterest expense to average assets | 2.5649% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5466% | 4,472 |
| Return on assets (ROA) | 0.5466% | 4,543 |
| Pretax return on assets | 0.7400% | 4,349 |
| Return on Equity (ROE) | 5.7733% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.7733% | 2,658 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6081% | 2,535 |
| Assets per employee ($millions) | 5.9419% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 5,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 54.8859% | 4,293 |
| Net loans and leases to deposits | 65.9972% | 4,097 |
| Net loans and leases to core deposits | 68.2430% | 4,281 |
| Total domestic deposits to total assets | 83.1640% | 4,546 |
| Equity capital to assets | 9.5530% | 4,424 |
| Core capital (leverage) ratio | 9.8082% | 3,848 |
| Tier 1 risk-based capital ratio | 16.9203% | 2,731 |
| Total risk-based capital ratio | 17.8746% | 2,811 |
| Memoranda: | ||
| Average total assets | $47,565,000 | 6,019 |
| Average earning assets | $44,526,000 | 5,987 |
| Average equity | $4,503,500 | 6,135 |
| Average total loans | $28,073,000 | 5,793 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8723% | 4,566 |
| Cost of funding earning assets | 0.6127% | 2,545 |
| Net interest margin | 3.2596% | 4,809 |
| Noninterest income to average assets | -0.8574% | 6,804 |
| Noninterest expense to average assets | 2.6606% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.2550% | 6,393 |
| Return on assets (ROA) | -0.2550% | 6,410 |
| Pretax return on assets | -0.5099% | 6,492 |
| Return on Equity (ROE) | -2.6609% | 6,411 |
| Retained earnings to average equity (ytd only) | -2.6609% | 6,238 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.7094% | 152 |
| Assets per employee ($millions) | 5.9494% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 6,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 62.0611% | 3,352 |
| Net loans and leases to deposits | 77.2902% | 2,816 |
| Net loans and leases to core deposits | 80.0119% | 3,134 |
| Total domestic deposits to total assets | 80.2962% | 5,375 |
| Equity capital to assets | 9.3833% | 4,567 |
| Core capital (leverage) ratio | 9.4938% | 4,282 |
| Tier 1 risk-based capital ratio | 15.1964% | 3,549 |
| Total risk-based capital ratio | 16.0658% | 3,720 |
| Memoranda: | ||
| Average total assets | $48,635,000 | 6,048 |
| Average earning assets | $44,883,400 | 6,025 |
| Average equity | $4,660,000 | 6,149 |
| Average total loans | $30,298,200 | 5,748 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8182% | 4,779 |
| Cost of funding earning assets | 0.6334% | 2,515 |
| Net interest margin | 3.1848% | 5,042 |
| Noninterest income to average assets | 0.3845% | 4,641 |
| Noninterest expense to average assets | 2.5796% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4417% | 5,063 |
| Return on assets (ROA) | 0.4417% | 5,201 |
| Pretax return on assets | 0.7390% | 4,543 |
| Return on Equity (ROE) | 4.5872% | 4,939 |
| Retained earnings to average equity (ytd only) | 4.5872% | 3,410 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7321% | 2,459 |
| Assets per employee ($millions) | 6.3240% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8104% | 6,259 |
| Loan loss allowance to noncurrent loans | 5,180.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 1.4152% | 2,836 |
| Noncurrent loans to loans | 0.0156% | 6,313 |
| Net loans and leases to total assets | 62.6601% | 3,229 |
| Net loans and leases to deposits | 76.3880% | 2,896 |
| Net loans and leases to core deposits | 78.8562% | 3,247 |
| Total domestic deposits to total assets | 82.0288% | 4,921 |
| Equity capital to assets | 9.4244% | 4,642 |
| Core capital (leverage) ratio | 10.2111% | 3,386 |
| Tier 1 risk-based capital ratio | 15.3144% | 3,559 |
| Total risk-based capital ratio | 16.1385% | 3,772 |
| Memoranda: | ||
| Average total assets | $48,895,000 | 6,110 |
| Average earning assets | $45,046,500 | 6,091 |
| Average equity | $4,708,500 | 6,223 |
| Average total loans | $30,423,500 | 5,792 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8992% | 4,479 |
| Cost of funding earning assets | 0.6611% | 2,393 |
| Net interest margin | 3.2381% | 4,811 |
| Noninterest income to average assets | 0.3724% | 4,731 |
| Noninterest expense to average assets | 2.6030% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4511% | 5,009 |
| Return on assets (ROA) | 0.4511% | 5,179 |
| Pretax return on assets | 0.7490% | 4,507 |
| Return on Equity (ROE) | 4.6495% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.6495% | 3,294 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6543% | 2,516 |
| Assets per employee ($millions) | 6.0348% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 6,215 |
| Loan loss allowance to noncurrent loans | 3,237.5000% | 198 |
| Noncurrent assets plus other real estate owned to assets | 1.4872% | 2,873 |
| Noncurrent loans to loans | 0.0269% | 6,333 |
| Net loans and leases to total assets | 60.9594% | 3,491 |
| Net loans and leases to deposits | 73.9838% | 3,161 |
| Net loans and leases to core deposits | 76.4773% | 3,487 |
| Total domestic deposits to total assets | 82.3957% | 4,913 |
| Equity capital to assets | 9.7166% | 4,282 |
| Core capital (leverage) ratio | 10.0647% | 3,426 |
| Tier 1 risk-based capital ratio | 16.3968% | 2,983 |
| Total risk-based capital ratio | 17.2890% | 3,117 |
| Memoranda: | ||
| Average total assets | $48,329,330 | 6,168 |
| Average earning assets | $44,470,670 | 6,151 |
| Average equity | $4,688,670 | 6,269 |
| Average total loans | $29,911,330 | 5,847 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8934% | 4,496 |
| Cost of funding earning assets | 0.6744% | 2,443 |
| Net interest margin | 3.2190% | 4,851 |
| Noninterest income to average assets | 0.3061% | 5,245 |
| Noninterest expense to average assets | 2.6967% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2730% | 5,653 |
| Return on assets (ROA) | 0.2730% | 5,774 |
| Pretax return on assets | 0.5708% | 5,048 |
| Return on Equity (ROE) | 2.8160% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.8160% | 4,596 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5316% | 1,959 |
| Assets per employee ($millions) | 5.8605% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 6,259 |
| Loan loss allowance to noncurrent loans | 2,354.5455% | 230 |
| Noncurrent assets plus other real estate owned to assets | 1.5378% | 2,955 |
| Noncurrent loans to loans | 0.0382% | 6,373 |
| Net loans and leases to total assets | 60.7990% | 3,288 |
| Net loans and leases to deposits | 73.7230% | 2,953 |
| Net loans and leases to core deposits | 76.7998% | 3,225 |
| Total domestic deposits to total assets | 82.4695% | 5,034 |
| Equity capital to assets | 10.0333% | 4,108 |
| Core capital (leverage) ratio | 9.8704% | 3,570 |
| Tier 1 risk-based capital ratio | 16.6105% | 2,945 |
| Total risk-based capital ratio | 17.5288% | 3,070 |
| Memoranda: | ||
| Average total assets | $48,355,000 | 6,227 |
| Average earning assets | $44,486,000 | 6,202 |
| Average equity | $4,687,500 | 6,341 |
| Average total loans | $30,022,500 | 5,891 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 4,107 |
| Cost of funding earning assets | 0.7366% | 3,198 |
| Net interest margin | 3.5882% | 4,135 |
| Noninterest income to average assets | 0.3979% | 4,628 |
| Noninterest expense to average assets | 2.7254% | 4,305 |
| Loan and lease loss provision to assets | 0.0165% | 5,697 |
| Net operating income to assets | 0.6473% | 4,004 |
| Return on assets (ROA) | 0.6473% | 4,263 |
| Pretax return on assets | 0.9298% | 3,810 |
| Return on Equity (ROE) | 4.5462% | 4,903 |
| Retained earnings to average equity (ytd only) | -38.8892% | 6,980 |
| Net charge-offs to loans | 0.0259% | 5,534 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 57.3750% | 616 |
| Efficiency ratio | 74.2280% | 3,035 |
| Assets per employee ($millions) | 6.2283% | 1,148 |
| Cash dividends to net income (ytd only)* | 955.4140% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8280% | 6,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4270% | 3,258 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.2607% | 3,213 |
| Net loans and leases to deposits | 81.1542% | 2,127 |
| Net loans and leases to core deposits | 84.5747% | 2,481 |
| Total domestic deposits to total assets | 76.7190% | 6,258 |
| Equity capital to assets | 9.3746% | 5,034 |
| Core capital (leverage) ratio | 9.2535% | 4,497 |
| Tier 1 risk-based capital ratio | 15.1954% | 3,615 |
| Total risk-based capital ratio | 16.0416% | 3,793 |
| Memoranda: | ||
| Average total assets | $48,506,800 | 6,254 |
| Average earning assets | $44,256,000 | 6,229 |
| Average equity | $6,906,800 | 5,789 |
| Average total loans | $30,930,600 | 5,899 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3416% | 4,289 |
| Cost of funding earning assets | 0.7378% | 3,456 |
| Net interest margin | 3.6038% | 4,222 |
| Noninterest income to average assets | 0.3902% | 4,709 |
| Noninterest expense to average assets | 2.7011% | 4,361 |
| Loan and lease loss provision to assets | 0.0221% | 5,521 |
| Net operating income to assets | 0.6642% | 4,069 |
| Return on assets (ROA) | 0.6642% | 4,338 |
| Pretax return on assets | 0.9520% | 3,904 |
| Return on Equity (ROE) | 4.2861% | 5,157 |
| Retained earnings to average equity (ytd only) | 4.2861% | 3,877 |
| Net charge-offs to loans | 0.0346% | 5,161 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 43.9850% | 821 |
| Efficiency ratio | 73.4940% | 3,071 |
| Assets per employee ($millions) | 6.5289% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 6,577 |
| Loan loss allowance to noncurrent loans | 959.2593% | 446 |
| Noncurrent assets plus other real estate owned to assets | 1.4130% | 3,484 |
| Noncurrent loans to loans | 0.0846% | 6,401 |
| Net loans and leases to total assets | 60.6421% | 3,646 |
| Net loans and leases to deposits | 76.8749% | 2,839 |
| Net loans and leases to core deposits | 79.3695% | 3,283 |
| Total domestic deposits to total assets | 78.8842% | 5,899 |
| Equity capital to assets | 14.5488% | 955 |
| Core capital (leverage) ratio | 15.4968% | 540 |
| Tier 1 risk-based capital ratio | 23.8774% | 1,037 |
| Total risk-based capital ratio | 24.6935% | 1,083 |
| Memoranda: | ||
| Average total assets | $48,177,000 | 6,335 |
| Average earning assets | $43,915,500 | 6,314 |
| Average equity | $7,465,750 | 5,704 |
| Average total loans | $30,843,000 | 5,985 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5081% | 3,732 |
| Cost of funding earning assets | 0.7576% | 3,538 |
| Net interest margin | 3.7505% | 3,587 |
| Noninterest income to average assets | 0.4442% | 4,339 |
| Noninterest expense to average assets | 2.8318% | 3,902 |
| Loan and lease loss provision to assets | 0.0342% | 5,243 |
| Net operating income to assets | 0.6834% | 3,959 |
| Return on assets (ROA) | 0.6834% | 4,216 |
| Pretax return on assets | 0.9824% | 3,781 |
| Return on Equity (ROE) | 4.3119% | 5,128 |
| Retained earnings to average equity (ytd only) | 4.3119% | 3,745 |
| Net charge-offs to loans | 0.0525% | 4,673 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 29.7500% | 1,079 |
| Efficiency ratio | 73.5849% | 3,144 |
| Assets per employee ($millions) | 5.9684% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 6,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7069% | 3,160 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 60.5651% | 3,720 |
| Net loans and leases to deposits | 78.7549% | 2,555 |
| Net loans and leases to core deposits | 81.6270% | 3,001 |
| Total domestic deposits to total assets | 76.9033% | 6,338 |
| Equity capital to assets | 15.7308% | 636 |
| Core capital (leverage) ratio | 15.9253% | 469 |
| Tier 1 risk-based capital ratio | 26.1265% | 795 |
| Total risk-based capital ratio | 27.0291% | 808 |
| Memoranda: | ||
| Average total assets | $46,825,670 | 6,415 |
| Average earning assets | $42,501,330 | 6,396 |
| Average equity | $7,421,330 | 5,735 |
| Average total loans | $30,479,670 | 6,039 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 3,476 |
| Cost of funding earning assets | 0.7740% | 3,668 |
| Net interest margin | 3.8319% | 3,233 |
| Noninterest income to average assets | 0.3882% | 4,758 |
| Noninterest expense to average assets | 3.0281% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5004% | 4,830 |
| Return on assets (ROA) | 0.5004% | 5,041 |
| Pretax return on assets | 0.8196% | 4,342 |
| Return on Equity (ROE) | 3.1451% | 5,659 |
| Retained earnings to average equity (ytd only) | 3.1451% | 4,680 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6996% | 2,399 |
| Assets per employee ($millions) | 5.6608% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 6,580 |
| Loan loss allowance to noncurrent loans | 327.8481% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 1.8372% | 3,131 |
| Noncurrent loans to loans | 0.2689% | 6,145 |
| Net loans and leases to total assets | 64.2936% | 2,804 |
| Net loans and leases to deposits | 83.3768% | 1,742 |
| Net loans and leases to core deposits | 87.2390% | 2,143 |
| Total domestic deposits to total assets | 77.1121% | 6,387 |
| Equity capital to assets | 16.3406% | 522 |
| Core capital (leverage) ratio | 16.2743% | 435 |
| Tier 1 risk-based capital ratio | 26.1805% | 790 |
| Total risk-based capital ratio | 27.0973% | 798 |
| Memoranda: | ||
| Average total assets | $46,365,000 | 6,476 |
| Average earning assets | $41,859,000 | 6,457 |
| Average equity | $7,376,500 | 5,768 |
| Average total loans | $31,131,000 | 6,056 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8165% | 3,730 |
| Cost of funding earning assets | 0.9600% | 3,646 |
| Net interest margin | 3.8565% | 3,534 |
| Noninterest income to average assets | 0.3329% | 5,156 |
| Noninterest expense to average assets | 2.8449% | 4,184 |
| Loan and lease loss provision to assets | 0.0216% | 6,302 |
| Net operating income to assets | 0.6377% | 3,795 |
| Return on assets (ROA) | 0.6377% | 3,994 |
| Pretax return on assets | 1.0009% | 3,243 |
| Return on Equity (ROE) | 4.0938% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.0938% | 3,278 |
| Net charge-offs to loans | 0.0320% | 6,000 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 47.3000% | 584 |
| Efficiency ratio | 73.5606% | 3,296 |
| Assets per employee ($millions) | 5.9305% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 6,767 |
| Loan loss allowance to noncurrent loans | 32.0148% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 1.7052% | 3,389 |
| Noncurrent loans to loans | 2.4599% | 2,674 |
| Net loans and leases to total assets | 68.7716% | 2,256 |
| Net loans and leases to deposits | 90.6484% | 1,081 |
| Net loans and leases to core deposits | 94.0261% | 1,696 |
| Total domestic deposits to total assets | 75.8663% | 6,503 |
| Equity capital to assets | 15.4983% | 678 |
| Core capital (leverage) ratio | 16.1587% | 445 |
| Tier 1 risk-based capital ratio | 23.7774% | 985 |
| Total risk-based capital ratio | 24.6168% | 1,034 |
| Memoranda: | ||
| Average total assets | $46,259,000 | 6,475 |
| Average earning assets | $42,395,800 | 6,448 |
| Average equity | $7,206,000 | 5,806 |
| Average total loans | $31,257,800 | 6,107 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 4,125 |
| Cost of funding earning assets | 0.9839% | 3,792 |
| Net interest margin | 3.7905% | 3,922 |
| Noninterest income to average assets | 0.3162% | 5,331 |
| Noninterest expense to average assets | 2.6253% | 4,990 |
| Loan and lease loss provision to assets | 0.0029% | 6,379 |
| Net operating income to assets | 0.8441% | 2,967 |
| Return on assets (ROA) | 0.8441% | 3,116 |
| Pretax return on assets | 1.1748% | 2,719 |
| Return on Equity (ROE) | 5.4119% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.4119% | 2,902 |
| Net charge-offs to loans | 0.0043% | 6,133 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 407.0075% | 92 |
| Efficiency ratio | 69.0313% | 4,121 |
| Assets per employee ($millions) | 6.0859% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 6,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 70.4788% | 1,981 |
| Net loans and leases to deposits | 91.3554% | 1,065 |
| Net loans and leases to core deposits | 94.6045% | 1,735 |
| Total domestic deposits to total assets | 77.1479% | 6,354 |
| Equity capital to assets | 15.1026% | 830 |
| Core capital (leverage) ratio | 16.0709% | 497 |
| Tier 1 risk-based capital ratio | 22.6404% | 1,198 |
| Total risk-based capital ratio | 23.4401% | 1,233 |
| Memoranda: | ||
| Average total assets | $45,962,750 | 6,540 |
| Average earning assets | $42,280,250 | 6,510 |
| Average equity | $7,169,250 | 5,851 |
| Average total loans | $30,850,500 | 6,183 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 4,346 |
| Cost of funding earning assets | 1.0272% | 3,759 |
| Net interest margin | 3.7134% | 4,200 |
| Noninterest income to average assets | 0.3196% | 5,341 |
| Noninterest expense to average assets | 2.6989% | 4,826 |
| Loan and lease loss provision to assets | 0.0044% | 6,191 |
| Net operating income to assets | 0.7014% | 3,542 |
| Return on assets (ROA) | 0.7014% | 3,649 |
| Pretax return on assets | 1.0343% | 3,103 |
| Return on Equity (ROE) | 4.4457% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.4457% | 3,364 |
| Net charge-offs to loans | 0.0068% | 5,771 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 155 |
| Efficiency ratio | 72.2090% | 3,691 |
| Assets per employee ($millions) | 5.1291% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8636% | 6,743 |
| Loan loss allowance to noncurrent loans | 25,900.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 7,136 |
| Noncurrent loans to loans | 0.0033% | 7,011 |
| Net loans and leases to total assets | 64.4101% | 3,377 |
| Net loans and leases to deposits | 83.1227% | 2,252 |
| Net loans and leases to core deposits | 86.2201% | 2,873 |
| Total domestic deposits to total assets | 77.4880% | 6,375 |
| Equity capital to assets | 15.6471% | 668 |
| Core capital (leverage) ratio | 15.7001% | 541 |
| Tier 1 risk-based capital ratio | 25.5790% | 844 |
| Total risk-based capital ratio | 26.4990% | 864 |
| Memoranda: | ||
| Average total assets | $45,054,670 | 6,622 |
| Average earning assets | $41,471,330 | 6,586 |
| Average equity | $7,108,000 | 5,894 |
| Average total loans | $29,609,670 | 6,304 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 4,638 |
| Cost of funding earning assets | 1.0491% | 3,855 |
| Net interest margin | 3.6233% | 4,467 |
| Noninterest income to average assets | 0.3506% | 5,093 |
| Noninterest expense to average assets | 2.8224% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5393% | 4,317 |
| Return on assets (ROA) | 0.5393% | 4,399 |
| Pretax return on assets | 0.8809% | 3,575 |
| Return on Equity (ROE) | 3.4040% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.4040% | 4,150 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2136% | 3,124 |
| Assets per employee ($millions) | 4.5049% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 6,688 |
| Loan loss allowance to noncurrent loans | 345.3333% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 6,748 |
| Noncurrent loans to loans | 0.2619% | 6,463 |
| Net loans and leases to total assets | 63.0003% | 3,661 |
| Net loans and leases to deposits | 82.7459% | 2,226 |
| Net loans and leases to core deposits | 85.9666% | 2,878 |
| Total domestic deposits to total assets | 76.1371% | 6,648 |
| Equity capital to assets | 15.7207% | 622 |
| Core capital (leverage) ratio | 15.9790% | 508 |
| Tier 1 risk-based capital ratio | 26.1756% | 772 |
| Total risk-based capital ratio | 27.1300% | 779 |
| Memoranda: | ||
| Average total assets | $44,501,000 | 6,679 |
| Average earning assets | $41,178,000 | 6,640 |
| Average equity | $7,050,500 | 5,917 |
| Average total loans | $29,418,500 | 6,361 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2728% | 3,252 |
| Cost of funding earning assets | 1.2166% | 4,445 |
| Net interest margin | 4.0562% | 2,773 |
| Noninterest income to average assets | 0.3109% | 5,580 |
| Noninterest expense to average assets | 2.8970% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8152% | 2,731 |
| Return on assets (ROA) | 0.8152% | 2,866 |
| Pretax return on assets | 1.1606% | 2,363 |
| Return on Equity (ROE) | 5.1527% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.1527% | 2,337 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3961% | 3,909 |
| Assets per employee ($millions) | 4.3953% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 6,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 6,856 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 68.1137% | 2,962 |
| Net loans and leases to deposits | 88.5923% | 1,707 |
| Net loans and leases to core deposits | 92.8944% | 2,398 |
| Total domestic deposits to total assets | 76.8844% | 6,500 |
| Equity capital to assets | 15.9693% | 587 |
| Core capital (leverage) ratio | 16.0781% | 501 |
| Tier 1 risk-based capital ratio | 25.0338% | 843 |
| Total risk-based capital ratio | 25.9544% | 855 |
| Memoranda: | ||
| Average total assets | $43,424,400 | 6,754 |
| Average earning assets | $40,111,800 | 6,712 |
| Average equity | $6,870,200 | 6,084 |
| Average total loans | $30,126,600 | 6,391 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2916% | 3,391 |
| Cost of funding earning assets | 1.2404% | 4,626 |
| Net interest margin | 4.0512% | 2,851 |
| Noninterest income to average assets | 0.2926% | 5,789 |
| Noninterest expense to average assets | 2.8334% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8346% | 2,863 |
| Return on assets (ROA) | 0.8346% | 2,992 |
| Pretax return on assets | 1.2011% | 2,482 |
| Return on Equity (ROE) | 5.2879% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.2879% | 2,786 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2290% | 4,015 |
| Assets per employee ($millions) | 4.4440% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 7,020 |
| Loan loss allowance to noncurrent loans | 470.9091% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 7,049 |
| Noncurrent loans to loans | 0.1685% | 6,848 |
| Net loans and leases to total assets | 72.8600% | 2,045 |
| Net loans and leases to deposits | 93.4621% | 1,267 |
| Net loans and leases to core deposits | 97.9223% | 2,052 |
| Total domestic deposits to total assets | 77.9568% | 6,268 |
| Equity capital to assets | 15.7043% | 730 |
| Core capital (leverage) ratio | 16.0420% | 557 |
| Tier 1 risk-based capital ratio | 23.0576% | 1,057 |
| Total risk-based capital ratio | 23.9157% | 1,083 |
| Memoranda: | ||
| Average total assets | $43,292,250 | 6,843 |
| Average earning assets | $39,987,250 | 6,795 |
| Average equity | $6,833,000 | 6,169 |
| Average total loans | $30,109,000 | 6,472 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2341% | 3,789 |
| Cost of funding earning assets | 1.2858% | 4,618 |
| Net interest margin | 3.9482% | 3,242 |
| Noninterest income to average assets | 0.2936% | 5,800 |
| Noninterest expense to average assets | 2.8199% | 4,394 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7877% | 3,030 |
| Return on assets (ROA) | 0.7877% | 3,176 |
| Pretax return on assets | 1.1233% | 2,702 |
| Return on Equity (ROE) | 4.9821% | 4,292 |
| Retained earnings to average equity (ytd only) | 4.9821% | 2,911 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5130% | 3,900 |
| Assets per employee ($millions) | 4.3214% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 6,908 |
| Loan loss allowance to noncurrent loans | 8,633.3333% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 7,403 |
| Noncurrent loans to loans | 0.0098% | 7,308 |
| Net loans and leases to total assets | 69.9010% | 2,928 |
| Net loans and leases to deposits | 88.9121% | 2,012 |
| Net loans and leases to core deposits | 92.1451% | 2,964 |
| Total domestic deposits to total assets | 78.6180% | 6,127 |
| Equity capital to assets | 15.9115% | 686 |
| Core capital (leverage) ratio | 16.3142% | 529 |
| Tier 1 risk-based capital ratio | 24.4100% | 901 |
| Total risk-based capital ratio | 25.3319% | 918 |
| Memoranda: | ||
| Average total assets | $42,909,670 | 6,900 |
| Average earning assets | $39,663,330 | 6,859 |
| Average equity | $6,784,330 | 6,210 |
| Average total loans | $29,266,000 | 6,564 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1837% | 4,116 |
| Cost of funding earning assets | 1.2909% | 4,866 |
| Net interest margin | 3.8928% | 3,365 |
| Noninterest income to average assets | 0.2994% | 5,753 |
| Noninterest expense to average assets | 2.8159% | 4,431 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7578% | 3,171 |
| Return on assets (ROA) | 0.7578% | 3,281 |
| Pretax return on assets | 1.0945% | 2,749 |
| Return on Equity (ROE) | 4.8082% | 4,470 |
| Retained earnings to average equity (ytd only) | 4.8082% | 3,265 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0096% | 3,930 |
| Assets per employee ($millions) | 4.1836% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 6,784 |
| Loan loss allowance to noncurrent loans | 563.0435% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 7,204 |
| Noncurrent loans to loans | 0.1630% | 7,011 |
| Net loans and leases to total assets | 66.8276% | 3,674 |
| Net loans and leases to deposits | 86.1465% | 2,558 |
| Net loans and leases to core deposits | 89.4313% | 3,443 |
| Total domestic deposits to total assets | 77.5743% | 6,434 |
| Equity capital to assets | 16.1942% | 645 |
| Core capital (leverage) ratio | 16.1737% | 554 |
| Tier 1 risk-based capital ratio | 24.7107% | 896 |
| Total risk-based capital ratio | 25.6561% | 901 |
| Memoranda: | ||
| Average total assets | $42,757,500 | 6,992 |
| Average earning assets | $39,662,500 | 6,942 |
| Average equity | $6,738,500 | 6,275 |
| Average total loans | $28,666,000 | 6,680 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4520% | 4,428 |
| Cost of funding earning assets | 1.7266% | 4,372 |
| Net interest margin | 3.7254% | 4,025 |
| Noninterest income to average assets | 0.3131% | 5,839 |
| Noninterest expense to average assets | 2.6261% | 5,687 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8091% | 2,501 |
| Return on assets (ROA) | 0.8091% | 2,584 |
| Pretax return on assets | 1.1588% | 2,068 |
| Return on Equity (ROE) | 5.4176% | 3,464 |
| Retained earnings to average equity (ytd only) | 5.4176% | 1,616 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3841% | 4,754 |
| Assets per employee ($millions) | 4.8532% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 6,862 |
| 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 | 66.0638% | 4,132 |
| Net loans and leases to deposits | 87.3815% | 2,666 |
| Net loans and leases to core deposits | 105.4948% | 3,393 |
| Total domestic deposits to total assets | 75.6038% | 6,759 |
| Equity capital to assets | 15.3438% | 834 |
| Core capital (leverage) ratio | 15.2937% | 724 |
| Tier 1 risk-based capital ratio | 24.0205% | 946 |
| Total risk-based capital ratio | 24.9506% | 956 |
| Memoranda: | ||
| Average total assets | $43,752,600 | 6,955 |
| Average earning assets | $40,774,000 | 6,916 |
| Average equity | $6,534,200 | 6,410 |
| Average total loans | $29,844,800 | 6,632 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4597% | 4,633 |
| Cost of funding earning assets | 1.8232% | 4,265 |
| Net interest margin | 3.6366% | 4,341 |
| Noninterest income to average assets | 0.2985% | 6,087 |
| Noninterest expense to average assets | 2.5861% | 5,762 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7341% | 3,076 |
| Return on assets (ROA) | 0.7341% | 3,146 |
| Pretax return on assets | 1.1027% | 2,554 |
| Return on Equity (ROE) | 4.9494% | 3,984 |
| Retained earnings to average equity (ytd only) | 4.9494% | 2,513 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1073% | 4,571 |
| Assets per employee ($millions) | 4.4673% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 6,947 |
| 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 | 67.5285% | 4,060 |
| Net loans and leases to deposits | 83.9792% | 3,647 |
| Net loans and leases to core deposits | 103.2940% | 4,021 |
| Total domestic deposits to total assets | 80.4110% | 5,286 |
| Equity capital to assets | 14.7942% | 1,066 |
| Core capital (leverage) ratio | 15.0379% | 850 |
| Tier 1 risk-based capital ratio | 22.6724% | 1,151 |
| Total risk-based capital ratio | 23.5655% | 1,168 |
| Memoranda: | ||
| Average total assets | $43,771,000 | 7,008 |
| Average earning assets | $40,806,750 | 6,967 |
| Average equity | $6,492,250 | 6,489 |
| Average total loans | $30,027,250 | 6,679 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4694% | 4,788 |
| Cost of funding earning assets | 1.9266% | 4,125 |
| Net interest margin | 3.5428% | 4,603 |
| Noninterest income to average assets | 0.2622% | 6,399 |
| Noninterest expense to average assets | 2.5443% | 5,972 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6855% | 3,316 |
| Return on assets (ROA) | 0.6855% | 3,429 |
| Pretax return on assets | 1.0260% | 2,901 |
| Return on Equity (ROE) | 4.6178% | 4,247 |
| Retained earnings to average equity (ytd only) | 4.6178% | 2,725 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2629% | 4,546 |
| Assets per employee ($millions) | 4.4012% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 6,782 |
| 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 | 64.9914% | 4,765 |
| Net loans and leases to deposits | 81.0725% | 4,379 |
| Net loans and leases to core deposits | 100.0350% | 4,507 |
| Total domestic deposits to total assets | 80.1645% | 5,411 |
| Equity capital to assets | 14.8119% | 1,081 |
| Core capital (leverage) ratio | 14.8927% | 946 |
| Tier 1 risk-based capital ratio | 23.4333% | 1,099 |
| Total risk-based capital ratio | 24.3694% | 1,101 |
| Memoranda: | ||
| Average total assets | $43,470,330 | 7,076 |
| Average earning assets | $40,589,330 | 7,029 |
| Average equity | $6,453,330 | 6,548 |
| Average total loans | $29,894,330 | 6,738 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5332% | 4,735 |
| Cost of funding earning assets | 2.0003% | 4,127 |
| Net interest margin | 3.5329% | 4,603 |
| Noninterest income to average assets | 0.2500% | 6,455 |
| Noninterest expense to average assets | 2.4074% | 6,169 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7222% | 3,454 |
| Return on assets (ROA) | 0.7222% | 3,650 |
| Pretax return on assets | 1.1296% | 2,873 |
| Return on Equity (ROE) | 4.8594% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.8594% | 3,207 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0628% | 4,957 |
| Assets per employee ($millions) | 4.3226% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 6,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 68.0725% | 4,123 |
| Net loans and leases to deposits | 85.3517% | 3,744 |
| Net loans and leases to core deposits | 107.7207% | 3,719 |
| Total domestic deposits to total assets | 79.7552% | 5,449 |
| Equity capital to assets | 14.9262% | 1,121 |
| Core capital (leverage) ratio | 15.1613% | 933 |
| Tier 1 risk-based capital ratio | 22.9673% | 1,199 |
| Total risk-based capital ratio | 23.8950% | 1,198 |
| Memoranda: | ||
| Average total assets | $43,199,500 | 7,126 |
| Average earning assets | $40,193,500 | 7,089 |
| Average equity | $6,420,500 | 6,607 |
| Average total loans | $30,410,000 | 6,738 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0170% | 5,466 |
| Cost of funding earning assets | 2.2753% | 5,264 |
| Net interest margin | 3.7417% | 4,265 |
| Noninterest income to average assets | 0.3577% | 5,862 |
| Noninterest expense to average assets | 2.4774% | 6,094 |
| Loan and lease loss provision to assets | 0.0170% | 7,172 |
| Net operating income to assets | 1.1195% | 2,073 |
| Return on assets (ROA) | 1.1195% | 1,985 |
| Pretax return on assets | 1.4091% | 1,948 |
| Return on Equity (ROE) | 7.6577% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.6577% | 944 |
| Net charge-offs to loans | 0.0224% | 6,535 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 83.7143% | 500 |
| Efficiency ratio | 63.4663% | 5,676 |
| Assets per employee ($millions) | 4.3173% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 6,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.5192% | 3,685 |
| Net loans and leases to deposits | 89.6415% | 3,511 |
| Net loans and leases to core deposits | 109.2179% | 3,838 |
| Total domestic deposits to total assets | 79.7837% | 5,106 |
| Equity capital to assets | 14.7986% | 1,216 |
| Core capital (leverage) ratio | 14.7247% | 1,086 |
| Tier 1 risk-based capital ratio | 21.7690% | 1,347 |
| Total risk-based capital ratio | 22.6590% | 1,372 |
| Memoranda: | ||
| Average total assets | $41,091,400 | 7,165 |
| Average earning assets | $38,939,400 | 7,090 |
| Average equity | $6,007,000 | 6,800 |
| Average total loans | $31,237,400 | 6,639 |