Home > The State Bank of Conway Springs > Performance and Condition Ratios
The State Bank of Conway Springs, Performance and Condition Ratios
| 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 | 3.6469% | 5,308 |
| Cost of funding earning assets | 0.5919% | 2,879 |
| Net interest margin | 3.0550% | 5,452 |
| Noninterest income to average assets | 0.2860% | 5,402 |
| Noninterest expense to average assets | 2.1449% | 5,732 |
| Loan and lease loss provision to assets | 0.0179% | 4,659 |
| Net operating income to assets | 0.6301% | 4,217 |
| Return on assets (ROA) | 0.6301% | 4,344 |
| Pretax return on assets | 0.9831% | 3,572 |
| Return on Equity (ROE) | 7.4789% | 3,390 |
| Retained earnings to average equity (ytd only) | 4.8267% | 3,211 |
| Net charge-offs to loans | 0.0096% | 4,954 |
| Credit loss provision to net charge-offs | 400.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 224.5564% | 259 |
| Efficiency ratio | 68.1818% | 4,063 |
| Assets per employee ($millions) | 4.2490% | 3,329 |
| Cash dividends to net income (ytd only)* | 35.4628% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 3,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 48.0449% | 5,343 |
| Net loans and leases to deposits | 55.0950% | 5,449 |
| Net loans and leases to core deposits | 57.0869% | 5,519 |
| Total domestic deposits to total assets | 87.2037% | 2,570 |
| Equity capital to assets | 8.5398% | 5,684 |
| Core capital (leverage) ratio | 8.4784% | 5,789 |
| Tier 1 risk-based capital ratio | 15.2762% | 3,580 |
| Total risk-based capital ratio | 16.5297% | 3,528 |
| Memoranda: | ||
| Average total assets | $29,837,500 | 6,588 |
| Average earning assets | $27,931,500 | 6,565 |
| Average equity | $2,513,750 | 6,703 |
| Average total loans | $13,868,750 | 6,527 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6088% | 5,408 |
| Cost of funding earning assets | 0.5991% | 2,954 |
| Net interest margin | 3.0097% | 5,548 |
| Noninterest income to average assets | 0.2812% | 5,438 |
| Noninterest expense to average assets | 2.1695% | 5,699 |
| Loan and lease loss provision to assets | 0.0134% | 4,614 |
| Net operating income to assets | 0.5959% | 4,309 |
| Return on assets (ROA) | 0.5959% | 4,492 |
| Pretax return on assets | 0.9240% | 3,813 |
| Return on Equity (ROE) | 7.1058% | 3,546 |
| Retained earnings to average equity (ytd only) | 5.1098% | 2,980 |
| Net charge-offs to loans | -0.0146% | 5,867 |
| Credit loss provision to net charge-offs | -200.0000% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8276% | 3,857 |
| Assets per employee ($millions) | 4.4111% | 2,963 |
| Cash dividends to net income (ytd only)* | 28.0899% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,304 |
| Loan loss allowance to noncurrent loans | 627.7778% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 6,134 |
| Noncurrent loans to loans | 0.2489% | 5,685 |
| Net loans and leases to total assets | 46.1040% | 5,518 |
| Net loans and leases to deposits | 52.5217% | 5,640 |
| Net loans and leases to core deposits | 54.3317% | 5,729 |
| Total domestic deposits to total assets | 87.7809% | 2,398 |
| Equity capital to assets | 8.0964% | 6,137 |
| Core capital (leverage) ratio | 8.2750% | 5,917 |
| Tier 1 risk-based capital ratio | 14.8859% | 3,855 |
| Total risk-based capital ratio | 16.1388% | 3,818 |
| Memoranda: | ||
| Average total assets | $29,869,000 | 6,636 |
| Average earning assets | $28,042,330 | 6,609 |
| Average equity | $2,505,000 | 6,750 |
| Average total loans | $13,653,000 | 6,575 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 5,366 |
| Cost of funding earning assets | 0.6241% | 2,887 |
| Net interest margin | 3.0045% | 5,555 |
| Noninterest income to average assets | 0.2861% | 5,418 |
| Noninterest expense to average assets | 2.1386% | 5,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6266% | 4,096 |
| Return on assets (ROA) | 0.6266% | 4,247 |
| Pretax return on assets | 0.9672% | 3,496 |
| Return on Equity (ROE) | 7.3380% | 3,299 |
| Retained earnings to average equity (ytd only) | 3.3500% | 4,241 |
| Net charge-offs to loans | -0.0302% | 5,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8596% | 4,169 |
| Assets per employee ($millions) | 4.2981% | 3,343 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6277% | 3,285 |
| Loan loss allowance to noncurrent loans | 589.4737% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 6,194 |
| Noncurrent loans to loans | 0.2761% | 5,711 |
| Net loans and leases to total assets | 44.9962% | 5,547 |
| Net loans and leases to deposits | 51.5301% | 5,664 |
| Net loans and leases to core deposits | 53.3643% | 5,720 |
| Total domestic deposits to total assets | 87.3201% | 2,743 |
| Equity capital to assets | 8.3558% | 6,143 |
| Core capital (leverage) ratio | 8.3434% | 5,769 |
| Tier 1 risk-based capital ratio | 15.2858% | 3,662 |
| Total risk-based capital ratio | 16.5391% | 3,615 |
| Memoranda: | ||
| Average total assets | $29,364,500 | 6,726 |
| Average earning assets | $27,558,500 | 6,686 |
| Average equity | $2,507,500 | 6,811 |
| Average total loans | $13,248,500 | 6,653 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 5,880 |
| Cost of funding earning assets | 0.7549% | 3,050 |
| Net interest margin | 3.0235% | 5,993 |
| Noninterest income to average assets | 0.4013% | 4,600 |
| Noninterest expense to average assets | 2.2475% | 5,817 |
| Loan and lease loss provision to assets | 0.0628% | 4,980 |
| Net operating income to assets | 0.6491% | 3,991 |
| Return on assets (ROA) | 0.6491% | 4,255 |
| Pretax return on assets | 0.9143% | 3,875 |
| Return on Equity (ROE) | 7.6086% | 3,282 |
| Retained earnings to average equity (ytd only) | 5.5633% | 2,342 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6970% | 3,868 |
| Assets per employee ($millions) | 4.0917% | 3,757 |
| Cash dividends to net income (ytd only)* | 26.8817% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 2,758 |
| Loan loss allowance to noncurrent loans | 543.9024% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 6,208 |
| Noncurrent loans to loans | 0.3219% | 5,681 |
| Net loans and leases to total assets | 43.6841% | 5,844 |
| Net loans and leases to deposits | 50.4394% | 5,929 |
| Net loans and leases to core deposits | 52.3953% | 5,990 |
| Total domestic deposits to total assets | 86.6071% | 3,037 |
| Equity capital to assets | 8.7319% | 5,816 |
| Core capital (leverage) ratio | 8.3717% | 5,796 |
| Tier 1 risk-based capital ratio | 16.1110% | 3,100 |
| Total risk-based capital ratio | 17.3645% | 3,050 |
| Memoranda: | ||
| Average total assets | $28,654,600 | 6,784 |
| Average earning assets | $26,756,800 | 6,744 |
| Average equity | $2,444,600 | 6,892 |
| Average total loans | $12,116,200 | 6,777 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8442% | 5,914 |
| Cost of funding earning assets | 0.7818% | 3,095 |
| Net interest margin | 3.0624% | 6,037 |
| Noninterest income to average assets | 0.4048% | 4,600 |
| Noninterest expense to average assets | 2.2146% | 5,920 |
| Loan and lease loss provision to assets | 0.0837% | 4,569 |
| Net operating income to assets | 0.6793% | 4,012 |
| Return on assets (ROA) | 0.6793% | 4,275 |
| Pretax return on assets | 0.9677% | 3,831 |
| Return on Equity (ROE) | 8.0091% | 3,283 |
| Retained earnings to average equity (ytd only) | 5.2664% | 3,179 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8063% | 4,103 |
| Assets per employee ($millions) | 4.1553% | 3,557 |
| Cash dividends to net income (ytd only)* | 34.2495% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9806% | 2,221 |
| Loan loss allowance to noncurrent loans | 506.8182% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 6,334 |
| Noncurrent loans to loans | 0.3908% | 5,679 |
| Net loans and leases to total assets | 37.9413% | 6,418 |
| Net loans and leases to deposits | 43.6931% | 6,524 |
| Net loans and leases to core deposits | 45.3522% | 6,545 |
| Total domestic deposits to total assets | 86.8360% | 2,776 |
| Equity capital to assets | 8.5021% | 6,257 |
| Core capital (leverage) ratio | 8.1602% | 6,180 |
| Tier 1 risk-based capital ratio | 16.7209% | 2,886 |
| Total risk-based capital ratio | 17.9741% | 2,847 |
| Memoranda: | ||
| Average total assets | $28,657,750 | 6,870 |
| Average earning assets | $26,775,500 | 6,831 |
| Average equity | $2,430,500 | 6,984 |
| Average total loans | $11,961,500 | 6,872 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 5,641 |
| Cost of funding earning assets | 0.8178% | 3,053 |
| Net interest margin | 3.1811% | 5,796 |
| Noninterest income to average assets | 0.4349% | 4,399 |
| Noninterest expense to average assets | 2.2936% | 5,761 |
| Loan and lease loss provision to assets | 0.0842% | 4,543 |
| Net operating income to assets | 0.6313% | 4,219 |
| Return on assets (ROA) | 0.6313% | 4,464 |
| Pretax return on assets | 1.0310% | 3,593 |
| Return on Equity (ROE) | 7.4493% | 3,549 |
| Retained earnings to average equity (ytd only) | 3.3108% | 4,398 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2840% | 4,273 |
| Assets per employee ($millions) | 4.3353% | 3,193 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8263% | 2,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 38.4387% | 6,445 |
| Net loans and leases to deposits | 43.9277% | 6,558 |
| Net loans and leases to core deposits | 45.5095% | 6,593 |
| Total domestic deposits to total assets | 87.5045% | 2,468 |
| Equity capital to assets | 7.9777% | 6,580 |
| Core capital (leverage) ratio | 8.1468% | 6,100 |
| Tier 1 risk-based capital ratio | 15.5095% | 3,432 |
| Total risk-based capital ratio | 16.7587% | 3,402 |
| Memoranda: | ||
| Average total assets | $28,514,670 | 6,934 |
| Average earning assets | $26,657,330 | 6,884 |
| Average equity | $2,416,330 | 7,032 |
| Average total loans | $12,195,670 | 6,915 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 4,605 |
| Cost of funding earning assets | 0.8693% | 2,922 |
| Net interest margin | 3.4616% | 4,870 |
| Noninterest income to average assets | 0.4493% | 4,292 |
| Noninterest expense to average assets | 2.2900% | 5,792 |
| Loan and lease loss provision to assets | 0.0870% | 4,293 |
| Net operating income to assets | 0.8841% | 3,000 |
| Return on assets (ROA) | 0.8841% | 3,219 |
| Pretax return on assets | 1.3044% | 2,520 |
| Return on Equity (ROE) | 10.1077% | 2,362 |
| Retained earnings to average equity (ytd only) | 5.9652% | 2,977 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2047% | 5,239 |
| Assets per employee ($millions) | 4.1299% | 3,729 |
| Cash dividends to net income (ytd only)* | 40.9836% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 3,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 42.1391% | 6,181 |
| Net loans and leases to deposits | 48.4740% | 6,263 |
| Net loans and leases to core deposits | 50.3160% | 6,319 |
| Total domestic deposits to total assets | 86.9314% | 2,992 |
| Equity capital to assets | 8.3988% | 6,179 |
| Core capital (leverage) ratio | 8.4387% | 5,692 |
| Tier 1 risk-based capital ratio | 15.5087% | 3,443 |
| Total risk-based capital ratio | 16.7600% | 3,419 |
| Memoranda: | ||
| Average total assets | $27,598,500 | 7,012 |
| Average earning assets | $25,768,500 | 6,964 |
| Average equity | $2,414,000 | 7,086 |
| Average total loans | $12,352,500 | 6,963 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 5,292 |
| Cost of funding earning assets | 1.1885% | 2,102 |
| Net interest margin | 3.2466% | 5,968 |
| Noninterest income to average assets | 0.4334% | 4,346 |
| Noninterest expense to average assets | 2.5435% | 5,321 |
| Loan and lease loss provision to assets | 0.0405% | 6,070 |
| Net operating income to assets | 0.8586% | 2,773 |
| Return on assets (ROA) | 0.8586% | 2,931 |
| Pretax return on assets | 0.8586% | 3,751 |
| Return on Equity (ROE) | 9.1230% | 2,396 |
| Retained earnings to average equity (ytd only) | 6.9713% | 1,519 |
| Net charge-offs to loans | 0.1983% | 4,556 |
| Credit loss provision to net charge-offs | 40.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | 8.8800% | 2,074 |
| Efficiency ratio | 73.8824% | 3,257 |
| Assets per employee ($millions) | 3.7554% | 4,421 |
| Cash dividends to net income (ytd only)* | 23.5849% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 3,320 |
| Loan loss allowance to noncurrent loans | 82.3293% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 4,714 |
| Noncurrent loans to loans | 2.0224% | 3,175 |
| Net loans and leases to total assets | 46.0552% | 6,006 |
| Net loans and leases to deposits | 53.6539% | 6,101 |
| Net loans and leases to core deposits | 55.9654% | 6,161 |
| Total domestic deposits to total assets | 85.8376% | 3,412 |
| Equity capital to assets | 9.1296% | 5,377 |
| Core capital (leverage) ratio | 8.6821% | 5,279 |
| Tier 1 risk-based capital ratio | 15.9711% | 3,064 |
| Total risk-based capital ratio | 17.2245% | 3,022 |
| Memoranda: | ||
| Average total assets | $24,690,600 | 7,113 |
| Average earning assets | $22,885,800 | 7,082 |
| Average equity | $2,323,800 | 7,162 |
| Average total loans | $12,609,400 | 7,007 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 4,846 |
| Cost of funding earning assets | 1.2566% | 1,957 |
| Net interest margin | 3.3488% | 5,721 |
| Noninterest income to average assets | 0.3952% | 4,704 |
| Noninterest expense to average assets | 2.5139% | 5,417 |
| Loan and lease loss provision to assets | 0.0219% | 6,170 |
| Net operating income to assets | 0.9606% | 2,482 |
| Return on assets (ROA) | 0.9606% | 2,648 |
| Pretax return on assets | 0.9606% | 3,554 |
| Return on Equity (ROE) | 10.1239% | 2,154 |
| Retained earnings to average equity (ytd only) | 7.2312% | 1,851 |
| Net charge-offs to loans | 0.2733% | 3,729 |
| Credit loss provision to net charge-offs | 15.3846% | 5,617 |
| Earnings coverage of net charge-offs (x) | 6.8838% | 2,460 |
| Efficiency ratio | 71.8995% | 3,570 |
| Assets per employee ($millions) | 4.5387% | 2,853 |
| Cash dividends to net income (ytd only)* | 28.5733% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 3,709 |
| 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 | 44.9618% | 6,248 |
| Net loans and leases to deposits | 52.0999% | 6,357 |
| Net loans and leases to core deposits | 58.2354% | 6,110 |
| Total domestic deposits to total assets | 86.2992% | 3,038 |
| Equity capital to assets | 8.7250% | 6,058 |
| Core capital (leverage) ratio | 8.6177% | 5,523 |
| Tier 1 risk-based capital ratio | 15.2271% | 3,535 |
| Total risk-based capital ratio | 16.4810% | 3,495 |
| Memoranda: | ||
| Average total assets | $24,291,250 | 7,191 |
| Average earning assets | $22,494,750 | 7,165 |
| Average equity | $2,304,750 | 7,239 |
| Average total loans | $12,683,750 | 7,071 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 4,068 |
| Cost of funding earning assets | 1.3393% | 1,704 |
| Net interest margin | 3.4692% | 5,295 |
| Noninterest income to average assets | 0.4032% | 4,658 |
| Noninterest expense to average assets | 2.6425% | 5,029 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9609% | 2,388 |
| Return on assets (ROA) | 0.9609% | 2,490 |
| Pretax return on assets | 0.9609% | 3,388 |
| Return on Equity (ROE) | 9.8203% | 2,179 |
| Retained earnings to average equity (ytd only) | 7.6282% | 1,609 |
| Net charge-offs to loans | 0.3134% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 2,577 |
| Efficiency ratio | 73.3333% | 3,491 |
| Assets per employee ($millions) | 5.0866% | 2,004 |
| Cash dividends to net income (ytd only)* | 22.3214% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 3,531 |
| Loan loss allowance to noncurrent loans | 253.1646% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 5,704 |
| Noncurrent loans to loans | 0.6476% | 5,627 |
| Net loans and leases to total assets | 47.1749% | 6,133 |
| Net loans and leases to deposits | 55.2369% | 6,206 |
| Net loans and leases to core deposits | 62.3208% | 5,875 |
| Total domestic deposits to total assets | 85.4048% | 3,676 |
| Equity capital to assets | 9.1849% | 5,303 |
| Core capital (leverage) ratio | 9.4013% | 4,109 |
| Tier 1 risk-based capital ratio | 15.3247% | 3,337 |
| Total risk-based capital ratio | 16.5745% | 3,289 |
| Memoranda: | ||
| Average total assets | $23,311,000 | 7,282 |
| Average earning assets | $21,503,330 | 7,257 |
| Average equity | $2,281,000 | 7,302 |
| Average total loans | $12,764,330 | 7,136 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 2,302 |
| Cost of funding earning assets | 1.4074% | 1,572 |
| Net interest margin | 3.7727% | 3,748 |
| Noninterest income to average assets | 0.3955% | 4,734 |
| Noninterest expense to average assets | 2.7865% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0787% | 1,913 |
| Return on assets (ROA) | 1.0787% | 1,965 |
| Pretax return on assets | 1.0787% | 2,834 |
| Return on Equity (ROE) | 10.6501% | 1,859 |
| Retained earnings to average equity (ytd only) | 6.2126% | 2,517 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0930% | 3,842 |
| Assets per employee ($millions) | 4.5376% | 2,823 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7139% | 3,293 |
| Loan loss allowance to noncurrent loans | 106.2802% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 5,072 |
| Noncurrent loans to loans | 1.6127% | 4,062 |
| Net loans and leases to total assets | 55.6065% | 5,058 |
| Net loans and leases to deposits | 66.2188% | 4,944 |
| Net loans and leases to core deposits | 76.0458% | 4,296 |
| Total domestic deposits to total assets | 83.9739% | 4,498 |
| Equity capital to assets | 9.9965% | 3,777 |
| Core capital (leverage) ratio | 9.6692% | 3,570 |
| Tier 1 risk-based capital ratio | 15.2636% | 3,278 |
| Total risk-based capital ratio | 16.5170% | 3,239 |
| Memoranda: | ||
| Average total assets | $22,250,000 | 7,355 |
| Average earning assets | $20,463,000 | 7,333 |
| Average equity | $2,253,500 | 7,357 |
| Average total loans | $13,047,500 | 7,182 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8405% | 1,176 |
| Cost of funding earning assets | 1.5092% | 2,583 |
| Net interest margin | 4.3313% | 1,707 |
| Noninterest income to average assets | 0.5714% | 3,662 |
| Noninterest expense to average assets | 3.2161% | 3,028 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.3129% | 1,136 |
| Return on assets (ROA) | 1.3129% | 1,209 |
| Pretax return on assets | 1.3129% | 1,903 |
| Return on Equity (ROE) | 12.9967% | 1,085 |
| Retained earnings to average equity (ytd only) | 11.8280% | 287 |
| Net charge-offs to loans | -0.0817% | 7,486 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0115% | 3,993 |
| Assets per employee ($millions) | 4.3624% | 3,094 |
| Cash dividends to net income (ytd only)* | 8.9928% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 3,359 |
| Loan loss allowance to noncurrent loans | 106.2802% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 5,112 |
| Noncurrent loans to loans | 1.5612% | 4,158 |
| Net loans and leases to total assets | 59.7790% | 4,715 |
| Net loans and leases to deposits | 71.6271% | 4,580 |
| Net loans and leases to core deposits | 81.3159% | 4,005 |
| Total domestic deposits to total assets | 83.4586% | 4,626 |
| Equity capital to assets | 10.2650% | 3,426 |
| Core capital (leverage) ratio | 9.8732% | 3,240 |
| Tier 1 risk-based capital ratio | 14.8944% | 3,310 |
| Total risk-based capital ratio | 16.1511% | 3,264 |
| Memoranda: | ||
| Average total assets | $21,174,400 | 7,436 |
| Average earning assets | $19,347,600 | 7,417 |
| Average equity | $2,139,000 | 7,485 |
| Average total loans | $13,466,200 | 7,230 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0511% | 839 |
| Cost of funding earning assets | 1.5250% | 2,807 |
| Net interest margin | 4.5262% | 1,201 |
| Noninterest income to average assets | 0.5964% | 3,461 |
| Noninterest expense to average assets | 3.2357% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4846% | 951 |
| Return on assets (ROA) | 1.4846% | 1,030 |
| Pretax return on assets | 1.4846% | 1,652 |
| Return on Equity (ROE) | 14.7583% | 901 |
| Retained earnings to average equity (ytd only) | 13.1816% | 328 |
| Net charge-offs to loans | -0.1085% | 7,564 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5484% | 4,366 |
| Assets per employee ($millions) | 4.0234% | 3,789 |
| Cash dividends to net income (ytd only)* | 10.6830% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7169% | 3,105 |
| Loan loss allowance to noncurrent loans | 252.8736% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 6,342 |
| Noncurrent loans to loans | 0.6789% | 5,846 |
| Net loans and leases to total assets | 62.6038% | 4,407 |
| Net loans and leases to deposits | 76.3689% | 4,115 |
| Net loans and leases to core deposits | 79.4023% | 4,600 |
| Total domestic deposits to total assets | 81.9754% | 5,005 |
| Equity capital to assets | 11.0454% | 2,917 |
| Core capital (leverage) ratio | 10.4268% | 2,770 |
| Tier 1 risk-based capital ratio | 15.3016% | 3,100 |
| Total risk-based capital ratio | 16.5544% | 3,057 |
| Memoranda: | ||
| Average total assets | $21,015,000 | 7,535 |
| Average earning assets | $19,147,500 | 7,518 |
| Average equity | $2,114,000 | 7,582 |
| Average total loans | $13,518,000 | 7,322 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1290% | 714 |
| Cost of funding earning assets | 1.5322% | 3,058 |
| Net interest margin | 4.5967% | 1,007 |
| Noninterest income to average assets | 0.5349% | 3,835 |
| Noninterest expense to average assets | 3.1716% | 3,007 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5576% | 801 |
| Return on assets (ROA) | 1.5576% | 855 |
| Pretax return on assets | 1.5576% | 1,413 |
| Return on Equity (ROE) | 15.9769% | 704 |
| Retained earnings to average equity (ytd only) | 13.5707% | 335 |
| Net charge-offs to loans | -0.1600% | 7,615 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0635% | 4,750 |
| Assets per employee ($millions) | 3.6570% | 4,573 |
| Cash dividends to net income (ytd only)* | 15.0602% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 3,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 6,635 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.2296% | 4,836 |
| Net loans and leases to deposits | 73.1794% | 4,810 |
| Net loans and leases to core deposits | 74.7136% | 5,365 |
| Total domestic deposits to total assets | 83.6706% | 4,255 |
| Equity capital to assets | 9.8305% | 4,225 |
| Core capital (leverage) ratio | 9.6864% | 3,561 |
| Tier 1 risk-based capital ratio | 13.5583% | 4,037 |
| Total risk-based capital ratio | 14.8114% | 3,997 |
| Memoranda: | ||
| Average total assets | $21,314,330 | 7,593 |
| Average earning assets | $19,448,670 | 7,577 |
| Average equity | $2,078,000 | 7,649 |
| Average total loans | $13,752,670 | 7,366 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4786% | 373 |
| Cost of funding earning assets | 1.5674% | 3,157 |
| Net interest margin | 4.9112% | 503 |
| Noninterest income to average assets | 0.5333% | 3,787 |
| Noninterest expense to average assets | 3.1237% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8857% | 416 |
| Return on assets (ROA) | 1.8857% | 453 |
| Pretax return on assets | 1.8857% | 753 |
| Return on Equity (ROE) | 19.4260% | 413 |
| Retained earnings to average equity (ytd only) | 14.5205% | 453 |
| Net charge-offs to loans | -0.2898% | 7,735 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3574% | 5,761 |
| Assets per employee ($millions) | 3.4428% | 5,167 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 3,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 6,657 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 64.7190% | 4,162 |
| Net loans and leases to deposits | 77.8988% | 4,065 |
| Net loans and leases to core deposits | 79.6438% | 4,806 |
| Total domestic deposits to total assets | 83.0808% | 4,581 |
| Equity capital to assets | 10.0450% | 3,806 |
| Core capital (leverage) ratio | 9.5085% | 3,751 |
| Tier 1 risk-based capital ratio | 13.5078% | 3,978 |
| Total risk-based capital ratio | 14.7581% | 3,942 |
| Memoranda: | ||
| Average total assets | $21,000,500 | 7,700 |
| Average earning assets | $19,140,000 | 7,677 |
| Average equity | $2,038,500 | 7,744 |
| Average total loans | $13,801,500 | 7,454 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4354% | 766 |
| Cost of funding earning assets | 1.7118% | 4,442 |
| Net interest margin | 4.7236% | 805 |
| Noninterest income to average assets | 0.5418% | 4,097 |
| Noninterest expense to average assets | 4.3244% | 961 |
| Loan and lease loss provision to assets | 0.1952% | 5,783 |
| Net operating income to assets | 0.3612% | 4,284 |
| Return on assets (ROA) | 0.3612% | 4,386 |
| Pretax return on assets | 0.3319% | 4,680 |
| Return on Equity (ROE) | 3.7011% | 4,203 |
| Retained earnings to average equity (ytd only) | 3.7011% | 2,604 |
| Net charge-offs to loans | 0.5540% | 3,566 |
| Credit loss provision to net charge-offs | 52.6316% | 6,716 |
| Earnings coverage of net charge-offs (x) | 1.4211% | 4,706 |
| Efficiency ratio | 89.1348% | 1,780 |
| Assets per employee ($millions) | 3.5573% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 3,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 6,640 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 64.6833% | 4,448 |
| Net loans and leases to deposits | 77.0295% | 4,556 |
| Net loans and leases to core deposits | 90.4126% | 5,077 |
| Total domestic deposits to total assets | 83.9721% | 4,037 |
| Equity capital to assets | 9.3797% | 4,589 |
| Core capital (leverage) ratio | 8.8468% | 4,692 |
| Tier 1 risk-based capital ratio | 12.5099% | 4,516 |
| Total risk-based capital ratio | 13.7582% | 4,465 |
| Memoranda: | ||
| Average total assets | $20,488,200 | 7,763 |
| Average earning assets | $18,693,400 | 7,740 |
| Average equity | $1,999,400 | 7,842 |
| Average total loans | $13,719,400 | 7,512 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5419% | 687 |
| Cost of funding earning assets | 1.7455% | 4,663 |
| Net interest margin | 4.7964% | 684 |
| Noninterest income to average assets | 0.5787% | 3,862 |
| Noninterest expense to average assets | 3.3539% | 2,715 |
| Loan and lease loss provision to assets | 0.2630% | 4,856 |
| Net operating income to assets | 0.9141% | 2,369 |
| Return on assets (ROA) | 0.9141% | 2,435 |
| Pretax return on assets | 1.3350% | 1,859 |
| Return on Equity (ROE) | 9.2723% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.2723% | 774 |
| Net charge-offs to loans | 0.7622% | 2,453 |
| Credit loss provision to net charge-offs | 51.2821% | 6,289 |
| Earnings coverage of net charge-offs (x) | 3.1153% | 3,678 |
| Efficiency ratio | 67.7291% | 5,036 |
| Assets per employee ($millions) | 3.3258% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 3,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 6,235 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 63.9840% | 4,877 |
| Net loans and leases to deposits | 80.4993% | 4,297 |
| Net loans and leases to core deposits | 96.2751% | 4,780 |
| Total domestic deposits to total assets | 79.4838% | 5,632 |
| Equity capital to assets | 10.4535% | 3,564 |
| Core capital (leverage) ratio | 9.7582% | 3,561 |
| Tier 1 risk-based capital ratio | 13.7366% | 3,690 |
| Total risk-based capital ratio | 14.9923% | 3,639 |
| Memoranda: | ||
| Average total assets | $20,274,250 | 7,841 |
| Average earning assets | $18,485,500 | 7,821 |
| Average equity | $1,998,750 | 7,923 |
| Average total loans | $13,645,500 | 7,590 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5720% | 695 |
| Cost of funding earning assets | 1.7453% | 5,043 |
| Net interest margin | 4.8266% | 625 |
| Noninterest income to average assets | 0.4808% | 4,620 |
| Noninterest expense to average assets | 3.4052% | 2,613 |
| Loan and lease loss provision to assets | 0.3925% | 3,560 |
| Net operating income to assets | 0.7458% | 3,064 |
| Return on assets (ROA) | 0.7458% | 3,168 |
| Pretax return on assets | 1.0795% | 2,703 |
| Return on Equity (ROE) | 7.7170% | 2,884 |
| Retained earnings to average equity (ytd only) | 7.7170% | 1,308 |
| Net charge-offs to loans | 1.3555% | 1,378 |
| Credit loss provision to net charge-offs | 42.5532% | 5,868 |
| Earnings coverage of net charge-offs (x) | 1.5957% | 4,346 |
| Efficiency ratio | 69.8189% | 4,816 |
| Assets per employee ($millions) | 3.3970% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 3,887 |
| Loan loss allowance to noncurrent loans | 561.7647% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.6476% | 5,796 |
| Noncurrent loans to loans | 0.2438% | 6,901 |
| Net loans and leases to total assets | 67.4860% | 4,253 |
| Net loans and leases to deposits | 88.7362% | 3,044 |
| Net loans and leases to core deposits | 105.4670% | 3,904 |
| Total domestic deposits to total assets | 76.0524% | 6,537 |
| Equity capital to assets | 9.8322% | 4,172 |
| Core capital (leverage) ratio | 9.2795% | 4,199 |
| Tier 1 risk-based capital ratio | 12.4697% | 4,544 |
| Total risk-based capital ratio | 13.7193% | 4,466 |
| Memoranda: | ||
| Average total assets | $20,380,670 | 7,911 |
| Average earning assets | $18,563,670 | 7,895 |
| Average equity | $1,969,670 | 8,007 |
| Average total loans | $13,869,000 | 7,654 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5189% | 836 |
| Cost of funding earning assets | 1.8013% | 5,110 |
| Net interest margin | 4.7176% | 738 |
| Noninterest income to average assets | 0.4711% | 4,582 |
| Noninterest expense to average assets | 3.1992% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1973% | 1,658 |
| Return on assets (ROA) | 1.1973% | 1,774 |
| Pretax return on assets | 1.5898% | 1,436 |
| Return on Equity (ROE) | 12.4968% | 1,516 |
| Retained earnings to average equity (ytd only) | 12.4968% | 714 |
| Net charge-offs to loans | -0.1157% | 7,914 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8033% | 5,175 |
| Assets per employee ($millions) | 3.4513% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 1,979 |
| Loan loss allowance to noncurrent loans | 107.3276% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.1203% | 4,443 |
| Noncurrent loans to loans | 1.6313% | 3,829 |
| Net loans and leases to total assets | 67.4763% | 4,249 |
| Net loans and leases to deposits | 87.2277% | 3,429 |
| Net loans and leases to core deposits | 103.3582% | 4,208 |
| Total domestic deposits to total assets | 77.3566% | 6,196 |
| Equity capital to assets | 9.6050% | 4,521 |
| Core capital (leverage) ratio | 9.0630% | 4,606 |
| Tier 1 risk-based capital ratio | 12.3144% | 4,694 |
| Total risk-based capital ratio | 13.5712% | 4,606 |
| Memoranda: | ||
| Average total assets | $20,380,000 | 7,964 |
| Average earning assets | $18,653,500 | 7,940 |
| Average equity | $1,952,500 | 8,063 |
| Average total loans | $13,830,500 | 7,705 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6695% | 2,160 |
| Cost of funding earning assets | 2.2533% | 5,354 |
| Net interest margin | 4.4162% | 1,637 |
| Noninterest income to average assets | 0.5419% | 4,302 |
| Noninterest expense to average assets | 3.3738% | 2,751 |
| Loan and lease loss provision to assets | 0.6134% | 2,374 |
| Net operating income to assets | 0.5112% | 4,680 |
| Return on assets (ROA) | 0.5112% | 4,530 |
| Pretax return on assets | 0.5521% | 4,846 |
| Return on Equity (ROE) | 5.5979% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.5979% | 1,713 |
| Net charge-offs to loans | 0.8603% | 1,454 |
| Credit loss provision to net charge-offs | 112.1495% | 4,806 |
| Earnings coverage of net charge-offs (x) | 2.1308% | 5,007 |
| Efficiency ratio | 74.3243% | 3,520 |
| Assets per employee ($millions) | 3.3420% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 1,579 |
| Loan loss allowance to noncurrent loans | 105.6034% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 3,957 |
| Noncurrent loans to loans | 1.7263% | 3,175 |
| Net loans and leases to total assets | 65.7989% | 4,894 |
| Net loans and leases to deposits | 89.0223% | 3,630 |
| Net loans and leases to core deposits | 104.0618% | 4,391 |
| Total domestic deposits to total assets | 73.9128% | 6,672 |
| Equity capital to assets | 9.5552% | 4,607 |
| Core capital (leverage) ratio | 9.4020% | 4,152 |
| Tier 1 risk-based capital ratio | 12.4228% | 4,493 |
| Total risk-based capital ratio | 13.6786% | 4,388 |
| Memoranda: | ||
| Average total assets | $19,562,600 | 8,029 |
| Average earning assets | $17,707,600 | 8,014 |
| Average equity | $1,786,400 | 8,162 |
| Average total loans | $12,437,400 | 7,808 |