Home > The State Bank of Delphos > Performance and Condition Ratios
The State Bank of Delphos, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 1,254 |
| Cost of funding earning assets | 0.6681% | 1,278 |
| Net interest margin | 4.0518% | 1,729 |
| Noninterest income to average assets | 0.1651% | 5,874 |
| Noninterest expense to average assets | 2.8513% | 3,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0944% | 1,996 |
| Return on assets (ROA) | 1.0944% | 2,050 |
| Pretax return on assets | 1.1396% | 2,926 |
| Return on Equity (ROE) | 10.5978% | 1,860 |
| Retained earnings to average equity (ytd only) | 3.5910% | 3,664 |
| Net charge-offs to loans | 0.1000% | 3,081 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 15.2727% | 2,096 |
| Efficiency ratio | 71.4448% | 3,306 |
| Assets per employee ($millions) | 4.0038% | 3,944 |
| Cash dividends to net income (ytd only)* | 66.1157% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 4,341 |
| Loan loss allowance to noncurrent loans | 469.1358% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 4,868 |
| Noncurrent loans to loans | 0.2427% | 4,961 |
| Net loans and leases to total assets | 74.9058% | 1,433 |
| Net loans and leases to deposits | 93.2659% | 1,154 |
| Net loans and leases to core deposits | 95.4710% | 1,767 |
| Total domestic deposits to total assets | 80.3142% | 4,936 |
| Equity capital to assets | 10.6603% | 3,288 |
| Core capital (leverage) ratio | 10.4772% | 2,975 |
| Tier 1 risk-based capital ratio | 13.3617% | 4,494 |
| Total risk-based capital ratio | 14.4459% | 4,517 |
| Memoranda: | ||
| Average total assets | $44,225,600 | 5,921 |
| Average earning assets | $41,759,000 | 5,879 |
| Average equity | $4,567,000 | 5,972 |
| Average total loans | $33,013,400 | 5,445 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7484% | 1,195 |
| Cost of funding earning assets | 0.6683% | 1,330 |
| Net interest margin | 4.0801% | 1,637 |
| Noninterest income to average assets | 0.1566% | 5,970 |
| Noninterest expense to average assets | 2.9183% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0210% | 2,362 |
| Return on assets (ROA) | 1.0210% | 2,418 |
| Pretax return on assets | 1.0812% | 3,262 |
| Return on Equity (ROE) | 9.9667% | 2,236 |
| Retained earnings to average equity (ytd only) | 0.5585% | 5,644 |
| Net charge-offs to loans | 0.1053% | 2,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 13.8059% | 2,189 |
| Efficiency ratio | 72.9669% | 3,007 |
| Assets per employee ($millions) | 3.9544% | 3,975 |
| Cash dividends to net income (ytd only)* | 94.3959% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 4,197 |
| Loan loss allowance to noncurrent loans | 282.4818% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 5,014 |
| Noncurrent loans to loans | 0.4263% | 4,628 |
| Net loans and leases to total assets | 72.9896% | 1,684 |
| Net loans and leases to deposits | 92.3285% | 1,203 |
| Net loans and leases to core deposits | 94.5642% | 1,798 |
| Total domestic deposits to total assets | 79.0542% | 5,314 |
| Equity capital to assets | 10.4740% | 3,596 |
| Core capital (leverage) ratio | 10.1955% | 3,419 |
| Tier 1 risk-based capital ratio | 13.5015% | 4,538 |
| Total risk-based capital ratio | 14.6529% | 4,543 |
| Memoranda: | ||
| Average total assets | $44,271,500 | 5,993 |
| Average earning assets | $41,697,000 | 5,950 |
| Average equity | $4,535,000 | 6,041 |
| Average total loans | $32,924,250 | 5,495 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6905% | 1,299 |
| Cost of funding earning assets | 0.6619% | 1,422 |
| Net interest margin | 4.0286% | 1,730 |
| Noninterest income to average assets | 0.1392% | 6,128 |
| Noninterest expense to average assets | 2.9464% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9297% | 2,662 |
| Return on assets (ROA) | 0.9297% | 2,763 |
| Pretax return on assets | 0.9926% | 3,508 |
| Return on Equity (ROE) | 9.1431% | 2,529 |
| Retained earnings to average equity (ytd only) | -1.0159% | 5,855 |
| Net charge-offs to loans | 0.0422% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 31.5714% | 1,212 |
| Efficiency ratio | 74.8005% | 2,841 |
| Assets per employee ($millions) | 4.0705% | 3,697 |
| Cash dividends to net income (ytd only)* | 111.1111% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 4,316 |
| Loan loss allowance to noncurrent loans | 422.9167% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 5,480 |
| Noncurrent loans to loans | 0.2893% | 5,153 |
| Net loans and leases to total assets | 73.2022% | 1,547 |
| Net loans and leases to deposits | 95.9879% | 803 |
| Net loans and leases to core deposits | 98.3143% | 1,420 |
| Total domestic deposits to total assets | 76.2618% | 5,885 |
| Equity capital to assets | 10.0902% | 3,989 |
| Core capital (leverage) ratio | 10.1108% | 3,457 |
| Tier 1 risk-based capital ratio | 12.9083% | 4,968 |
| Total risk-based capital ratio | 14.0737% | 4,960 |
| Memoranda: | ||
| Average total assets | $44,529,330 | 6,043 |
| Average earning assets | $42,000,000 | 5,998 |
| Average equity | $4,528,000 | 6,086 |
| Average total loans | $33,187,000 | 5,526 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 1,382 |
| Cost of funding earning assets | 0.6681% | 1,451 |
| Net interest margin | 3.9800% | 1,827 |
| Noninterest income to average assets | 0.1351% | 6,173 |
| Noninterest expense to average assets | 3.1707% | 2,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6576% | 3,904 |
| Return on assets (ROA) | 0.6576% | 4,003 |
| Pretax return on assets | 0.7206% | 4,416 |
| Return on Equity (ROE) | 6.4417% | 3,785 |
| Retained earnings to average equity (ytd only) | -1.5001% | 5,801 |
| Net charge-offs to loans | 0.0241% | 3,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 874 |
| Efficiency ratio | 81.4815% | 1,992 |
| Assets per employee ($millions) | 3.9995% | 3,954 |
| Cash dividends to net income (ytd only)* | 123.2877% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 4,378 |
| Loan loss allowance to noncurrent loans | 304.4444% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 5,235 |
| Noncurrent loans to loans | 0.4104% | 4,903 |
| Net loans and leases to total assets | 73.8311% | 1,300 |
| Net loans and leases to deposits | 90.6685% | 1,073 |
| Net loans and leases to core deposits | 92.7527% | 1,662 |
| Total domestic deposits to total assets | 81.4297% | 5,114 |
| Equity capital to assets | 10.2830% | 3,502 |
| Core capital (leverage) ratio | 10.0440% | 3,505 |
| Tier 1 risk-based capital ratio | 13.0640% | 4,970 |
| Total risk-based capital ratio | 14.2567% | 4,929 |
| Memoranda: | ||
| Average total assets | $44,406,000 | 6,106 |
| Average earning assets | $41,910,000 | 6,058 |
| Average equity | $4,533,000 | 6,125 |
| Average total loans | $33,189,000 | 5,579 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 1,546 |
| Cost of funding earning assets | 0.6764% | 1,985 |
| Net interest margin | 4.0326% | 1,865 |
| Noninterest income to average assets | 0.1708% | 6,062 |
| Noninterest expense to average assets | 2.7087% | 4,063 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2109% | 1,523 |
| Return on assets (ROA) | 1.2109% | 1,596 |
| Pretax return on assets | 1.2613% | 2,311 |
| Return on Equity (ROE) | 12.6123% | 1,250 |
| Retained earnings to average equity (ytd only) | 6.5684% | 1,643 |
| Net charge-offs to loans | -0.0031% | 5,882 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2295% | 4,158 |
| Assets per employee ($millions) | 4.0743% | 3,702 |
| Cash dividends to net income (ytd only)* | 47.9204% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 4,482 |
| Loan loss allowance to noncurrent loans | 226.9231% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 4,887 |
| Noncurrent loans to loans | 0.5435% | 4,635 |
| Net loans and leases to total assets | 73.7934% | 1,378 |
| Net loans and leases to deposits | 98.7755% | 549 |
| Net loans and leases to core deposits | 101.9922% | 1,031 |
| Total domestic deposits to total assets | 74.7083% | 6,225 |
| Equity capital to assets | 10.1345% | 3,586 |
| Core capital (leverage) ratio | 10.0803% | 3,461 |
| Tier 1 risk-based capital ratio | 12.8566% | 5,080 |
| Total risk-based capital ratio | 14.0313% | 5,072 |
| Memoranda: | ||
| Average total assets | $45,668,200 | 6,129 |
| Average earning assets | $43,024,200 | 6,081 |
| Average equity | $4,384,600 | 6,239 |
| Average total loans | $32,579,200 | 5,643 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7028% | 1,590 |
| Cost of funding earning assets | 0.6793% | 2,103 |
| Net interest margin | 4.0235% | 1,868 |
| Noninterest income to average assets | 0.1598% | 6,229 |
| Noninterest expense to average assets | 2.5805% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3193% | 1,298 |
| Return on assets (ROA) | 1.3193% | 1,357 |
| Pretax return on assets | 1.3658% | 2,057 |
| Return on Equity (ROE) | 13.9306% | 1,009 |
| Retained earnings to average equity (ytd only) | 5.7992% | 2,537 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3903% | 4,594 |
| Assets per employee ($millions) | 3.7551% | 4,339 |
| Cash dividends to net income (ytd only)* | 58.3691% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 4,552 |
| Loan loss allowance to noncurrent loans | 150.3650% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 4,482 |
| Noncurrent loans to loans | 0.8431% | 4,138 |
| Net loans and leases to total assets | 71.2079% | 1,746 |
| Net loans and leases to deposits | 90.1751% | 1,145 |
| Net loans and leases to core deposits | 92.9196% | 1,686 |
| Total domestic deposits to total assets | 78.9663% | 5,749 |
| Equity capital to assets | 9.8688% | 4,086 |
| Core capital (leverage) ratio | 9.5725% | 4,291 |
| Tier 1 risk-based capital ratio | 12.7931% | 5,261 |
| Total risk-based capital ratio | 13.9855% | 5,246 |
| Memoranda: | ||
| Average total assets | $45,881,000 | 6,192 |
| Average earning assets | $43,178,500 | 6,144 |
| Average equity | $4,345,250 | 6,327 |
| Average total loans | $32,352,750 | 5,709 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7025% | 1,565 |
| Cost of funding earning assets | 0.6915% | 2,130 |
| Net interest margin | 4.0110% | 1,819 |
| Noninterest income to average assets | 0.2167% | 5,889 |
| Noninterest expense to average assets | 2.6433% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2957% | 1,331 |
| Return on assets (ROA) | 1.2957% | 1,422 |
| Pretax return on assets | 1.3433% | 2,148 |
| Return on Equity (ROE) | 13.8704% | 1,038 |
| Retained earnings to average equity (ytd only) | 3.8967% | 3,816 |
| Net charge-offs to loans | 0.0062% | 4,762 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 310.0000% | 163 |
| Efficiency ratio | 66.3043% | 4,492 |
| Assets per employee ($millions) | 4.0003% | 3,800 |
| Cash dividends to net income (ytd only)* | 71.9064% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 4,890 |
| Loan loss allowance to noncurrent loans | 540.7895% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 5,508 |
| Noncurrent loans to loans | 0.2253% | 5,741 |
| Net loans and leases to total assets | 69.4269% | 1,989 |
| Net loans and leases to deposits | 93.3739% | 853 |
| Net loans and leases to core deposits | 96.1957% | 1,339 |
| Total domestic deposits to total assets | 74.3537% | 6,414 |
| Equity capital to assets | 9.0411% | 5,176 |
| Core capital (leverage) ratio | 9.2303% | 4,652 |
| Tier 1 risk-based capital ratio | 11.8534% | 5,878 |
| Total risk-based capital ratio | 12.9824% | 5,927 |
| Memoranda: | ||
| Average total assets | $46,154,330 | 6,228 |
| Average earning assets | $43,381,000 | 6,178 |
| Average equity | $4,311,330 | 6,383 |
| Average total loans | $32,304,000 | 5,742 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,658 |
| Cost of funding earning assets | 0.7121% | 2,116 |
| Net interest margin | 3.9445% | 1,964 |
| Noninterest income to average assets | 0.2388% | 5,754 |
| Noninterest expense to average assets | 2.9449% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9640% | 2,381 |
| Return on assets (ROA) | 0.9640% | 2,513 |
| Pretax return on assets | 1.0170% | 3,276 |
| Return on Equity (ROE) | 10.1466% | 2,008 |
| Retained earnings to average equity (ytd only) | 2.6996% | 4,668 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3304% | 3,209 |
| Assets per employee ($millions) | 3.7647% | 4,421 |
| Cash dividends to net income (ytd only)* | 73.3945% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,684 |
| Loan loss allowance to noncurrent loans | 508.6420% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 5,538 |
| Noncurrent loans to loans | 0.2562% | 5,769 |
| Net loans and leases to total assets | 69.0831% | 1,831 |
| Net loans and leases to deposits | 86.4803% | 1,296 |
| Net loans and leases to core deposits | 89.0515% | 1,798 |
| Total domestic deposits to total assets | 79.8831% | 5,778 |
| Equity capital to assets | 9.5405% | 4,794 |
| Core capital (leverage) ratio | 9.3619% | 4,299 |
| Tier 1 risk-based capital ratio | 12.5697% | 5,541 |
| Total risk-based capital ratio | 13.7857% | 5,506 |
| Memoranda: | ||
| Average total assets | $45,230,000 | 6,309 |
| Average earning assets | $42,692,500 | 6,257 |
| Average equity | $4,297,000 | 6,448 |
| Average total loans | $31,587,000 | 5,816 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 2,446 |
| Cost of funding earning assets | 0.7670% | 2,949 |
| Net interest margin | 3.9677% | 2,538 |
| Noninterest income to average assets | 0.1899% | 6,047 |
| Noninterest expense to average assets | 2.6164% | 4,687 |
| Loan and lease loss provision to assets | 0.0559% | 5,095 |
| Net operating income to assets | 1.2004% | 1,601 |
| Return on assets (ROA) | 1.2133% | 1,722 |
| Pretax return on assets | 1.2646% | 2,544 |
| Return on Equity (ROE) | 13.2303% | 1,175 |
| Retained earnings to average equity (ytd only) | 6.8954% | 1,616 |
| Net charge-offs to loans | 0.0501% | 5,213 |
| Credit loss provision to net charge-offs | 166.6667% | 1,592 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 819 |
| Efficiency ratio | 66.6856% | 4,382 |
| Assets per employee ($millions) | 3.4834% | 5,039 |
| Cash dividends to net income (ytd only)* | 47.8821% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 4,602 |
| Loan loss allowance to noncurrent loans | 326.9841% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 5,370 |
| Noncurrent loans to loans | 0.3993% | 5,496 |
| Net loans and leases to total assets | 68.7682% | 2,071 |
| Net loans and leases to deposits | 93.1947% | 813 |
| Net loans and leases to core deposits | 96.1825% | 1,286 |
| Total domestic deposits to total assets | 73.7899% | 6,551 |
| Equity capital to assets | 9.4603% | 4,923 |
| Core capital (leverage) ratio | 9.1602% | 4,643 |
| Tier 1 risk-based capital ratio | 12.6126% | 5,391 |
| Total risk-based capital ratio | 13.8410% | 5,352 |
| Memoranda: | ||
| Average total assets | $44,755,800 | 6,353 |
| Average earning assets | $42,114,600 | 6,306 |
| Average equity | $4,104,200 | 6,543 |
| Average total loans | $29,960,000 | 5,951 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 2,810 |
| Cost of funding earning assets | 0.7784% | 3,130 |
| Net interest margin | 3.9204% | 2,838 |
| Noninterest income to average assets | 0.2062% | 6,055 |
| Noninterest expense to average assets | 2.5337% | 4,975 |
| Loan and lease loss provision to assets | 0.0747% | 4,725 |
| Net operating income to assets | 1.2280% | 1,638 |
| Return on assets (ROA) | 1.2280% | 1,814 |
| Pretax return on assets | 1.2848% | 2,660 |
| Return on Equity (ROE) | 13.4998% | 1,220 |
| Retained earnings to average equity (ytd only) | 4.9598% | 3,389 |
| Net charge-offs to loans | 0.0586% | 4,841 |
| Credit loss provision to net charge-offs | 192.3077% | 1,443 |
| Earnings coverage of net charge-offs (x) | 35.0058% | 969 |
| Efficiency ratio | 65.0806% | 4,617 |
| Assets per employee ($millions) | 3.8763% | 4,139 |
| Cash dividends to net income (ytd only)* | 63.2603% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 4,826 |
| Loan loss allowance to noncurrent loans | 297.8417% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 5,619 |
| Noncurrent loans to loans | 0.4359% | 5,573 |
| Net loans and leases to total assets | 67.6706% | 2,341 |
| Net loans and leases to deposits | 90.1997% | 1,123 |
| Net loans and leases to core deposits | 92.9512% | 1,693 |
| Total domestic deposits to total assets | 75.0231% | 6,515 |
| Equity capital to assets | 8.9455% | 5,872 |
| Core capital (leverage) ratio | 8.7439% | 5,410 |
| Tier 1 risk-based capital ratio | 12.1986% | 5,836 |
| Total risk-based capital ratio | 13.4191% | 5,812 |
| Memoranda: | ||
| Average total assets | $44,623,750 | 6,430 |
| Average earning assets | $41,967,750 | 6,374 |
| Average equity | $4,059,250 | 6,627 |
| Average total loans | $29,561,750 | 6,046 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 3,050 |
| Cost of funding earning assets | 0.7984% | 3,201 |
| Net interest margin | 3.8711% | 3,038 |
| Noninterest income to average assets | 0.1909% | 6,191 |
| Noninterest expense to average assets | 2.6049% | 4,764 |
| Loan and lease loss provision to assets | 0.1137% | 4,108 |
| Net operating income to assets | 1.0547% | 2,225 |
| Return on assets (ROA) | 1.0547% | 2,453 |
| Pretax return on assets | 1.1093% | 3,274 |
| Return on Equity (ROE) | 11.5270% | 1,818 |
| Retained earnings to average equity (ytd only) | 1.0931% | 5,634 |
| Net charge-offs to loans | 0.1112% | 4,067 |
| Credit loss provision to net charge-offs | 156.2500% | 1,774 |
| Earnings coverage of net charge-offs (x) | 16.8125% | 1,564 |
| Efficiency ratio | 68.0523% | 4,115 |
| Assets per employee ($millions) | 3.8536% | 4,190 |
| Cash dividends to net income (ytd only)* | 90.5172% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 4,467 |
| Loan loss allowance to noncurrent loans | 201.4706% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 5,358 |
| Noncurrent loans to loans | 0.6948% | 5,115 |
| Net loans and leases to total assets | 62.5997% | 3,310 |
| Net loans and leases to deposits | 81.8619% | 2,128 |
| Net loans and leases to core deposits | 84.3129% | 2,650 |
| Total domestic deposits to total assets | 76.4700% | 6,398 |
| Equity capital to assets | 8.7170% | 6,006 |
| Core capital (leverage) ratio | 8.7329% | 5,329 |
| Tier 1 risk-based capital ratio | 12.5530% | 5,533 |
| Total risk-based capital ratio | 13.8529% | 5,479 |
| Memoranda: | ||
| Average total assets | $43,993,330 | 6,489 |
| Average earning assets | $41,332,330 | 6,437 |
| Average equity | $4,025,330 | 6,671 |
| Average total loans | $28,785,330 | 6,121 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 3,097 |
| Cost of funding earning assets | 0.8242% | 3,286 |
| Net interest margin | 3.8630% | 3,085 |
| Noninterest income to average assets | 0.2239% | 6,014 |
| Noninterest expense to average assets | 2.7619% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0357% | 2,343 |
| Return on assets (ROA) | 1.0357% | 2,534 |
| Pretax return on assets | 1.0917% | 3,356 |
| Return on Equity (ROE) | 11.0379% | 2,002 |
| Retained earnings to average equity (ytd only) | 3.0827% | 4,710 |
| Net charge-offs to loans | 0.0561% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 936 |
| Efficiency ratio | 71.6707% | 3,501 |
| Assets per employee ($millions) | 3.5593% | 4,979 |
| Cash dividends to net income (ytd only)* | 72.0721% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 4,459 |
| Loan loss allowance to noncurrent loans | 106.7024% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 4,487 |
| Noncurrent loans to loans | 1.3426% | 4,103 |
| Net loans and leases to total assets | 64.1131% | 2,829 |
| Net loans and leases to deposits | 74.4576% | 3,055 |
| Net loans and leases to core deposits | 76.5900% | 3,541 |
| Total domestic deposits to total assets | 86.1069% | 3,467 |
| Equity capital to assets | 9.4447% | 4,877 |
| Core capital (leverage) ratio | 9.1499% | 4,603 |
| Tier 1 risk-based capital ratio | 13.4233% | 4,886 |
| Total risk-based capital ratio | 14.6617% | 4,882 |
| Memoranda: | ||
| Average total assets | $42,868,500 | 6,568 |
| Average earning assets | $40,280,000 | 6,510 |
| Average equity | $4,022,500 | 6,707 |
| Average total loans | $28,498,500 | 6,181 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1589% | 2,225 |
| Cost of funding earning assets | 1.0186% | 3,250 |
| Net interest margin | 4.1403% | 2,266 |
| Noninterest income to average assets | 0.2322% | 5,875 |
| Noninterest expense to average assets | 2.8007% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2629% | 1,340 |
| Return on assets (ROA) | 1.2629% | 1,442 |
| Pretax return on assets | 1.3127% | 2,080 |
| Return on Equity (ROE) | 14.0626% | 915 |
| Retained earnings to average equity (ytd only) | 7.4666% | 1,283 |
| Net charge-offs to loans | 0.1240% | 5,146 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 15.3889% | 1,396 |
| Efficiency ratio | 68.0876% | 4,337 |
| Assets per employee ($millions) | 3.3096% | 5,489 |
| Cash dividends to net income (ytd only)* | 46.9043% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 4,561 |
| Loan loss allowance to noncurrent loans | 287.8571% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 5,982 |
| Noncurrent loans to loans | 0.4792% | 5,751 |
| Net loans and leases to total assets | 66.9657% | 2,595 |
| Net loans and leases to deposits | 85.6735% | 1,707 |
| Net loans and leases to core deposits | 88.3506% | 2,341 |
| Total domestic deposits to total assets | 78.1639% | 6,160 |
| Equity capital to assets | 9.3225% | 5,119 |
| Core capital (leverage) ratio | 9.4167% | 4,159 |
| Tier 1 risk-based capital ratio | 13.0665% | 5,011 |
| Total risk-based capital ratio | 14.3179% | 4,986 |
| Memoranda: | ||
| Average total assets | $42,204,200 | 6,593 |
| Average earning assets | $39,562,800 | 6,548 |
| Average equity | $3,790,200 | 6,805 |
| Average total loans | $29,024,000 | 6,202 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2076% | 2,184 |
| Cost of funding earning assets | 1.0557% | 3,280 |
| Net interest margin | 4.1519% | 2,274 |
| Noninterest income to average assets | 0.2381% | 5,923 |
| Noninterest expense to average assets | 2.8603% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2191% | 1,601 |
| Return on assets (ROA) | 1.2191% | 1,710 |
| Pretax return on assets | 1.2730% | 2,388 |
| Return on Equity (ROE) | 13.7079% | 1,104 |
| Retained earnings to average equity (ytd only) | 4.7834% | 3,322 |
| Net charge-offs to loans | 0.1979% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 9.3258% | 2,062 |
| Efficiency ratio | 69.2012% | 4,093 |
| Assets per employee ($millions) | 3.3953% | 5,255 |
| Cash dividends to net income (ytd only)* | 65.1048% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 4,684 |
| Loan loss allowance to noncurrent loans | 259.8684% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 6,145 |
| Noncurrent loans to loans | 0.5274% | 5,798 |
| Net loans and leases to total assets | 69.7722% | 2,123 |
| Net loans and leases to deposits | 83.0937% | 2,157 |
| Net loans and leases to core deposits | 85.6342% | 2,824 |
| Total domestic deposits to total assets | 83.9682% | 4,245 |
| Equity capital to assets | 9.4959% | 5,097 |
| Core capital (leverage) ratio | 9.0011% | 4,922 |
| Tier 1 risk-based capital ratio | 12.4586% | 5,527 |
| Total risk-based capital ratio | 13.7084% | 5,520 |
| Memoranda: | ||
| Average total assets | $41,999,000 | 6,659 |
| Average earning assets | $39,403,000 | 6,612 |
| Average equity | $3,735,000 | 6,875 |
| Average total loans | $28,976,250 | 6,262 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1555% | 2,441 |
| Cost of funding earning assets | 1.0965% | 3,270 |
| Net interest margin | 4.0590% | 2,577 |
| Noninterest income to average assets | 0.2452% | 5,892 |
| Noninterest expense to average assets | 2.8809% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1128% | 1,834 |
| Return on assets (ROA) | 1.1128% | 1,922 |
| Pretax return on assets | 1.1693% | 2,604 |
| Return on Equity (ROE) | 12.7902% | 1,245 |
| Retained earnings to average equity (ytd only) | 2.4930% | 4,698 |
| Net charge-offs to loans | 0.2274% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 7.5152% | 2,207 |
| Efficiency ratio | 71.1292% | 3,912 |
| Assets per employee ($millions) | 3.5977% | 4,690 |
| Cash dividends to net income (ytd only)* | 80.5085% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 4,425 |
| Loan loss allowance to noncurrent loans | 160.0791% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5860% | 5,745 |
| Noncurrent loans to loans | 0.8954% | 5,175 |
| Net loans and leases to total assets | 64.5071% | 3,358 |
| Net loans and leases to deposits | 82.1093% | 2,440 |
| Net loans and leases to core deposits | 83.4927% | 3,289 |
| Total domestic deposits to total assets | 78.5625% | 6,175 |
| Equity capital to assets | 8.7487% | 5,875 |
| Core capital (leverage) ratio | 8.4194% | 5,678 |
| Tier 1 risk-based capital ratio | 12.6669% | 5,206 |
| Total risk-based capital ratio | 13.9199% | 5,175 |
| Memoranda: | ||
| Average total assets | $42,417,330 | 6,705 |
| Average earning assets | $39,763,670 | 6,649 |
| Average equity | $3,690,330 | 6,933 |
| Average total loans | $29,027,330 | 6,323 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0328% | 2,941 |
| Cost of funding earning assets | 1.1319% | 3,286 |
| Net interest margin | 3.9010% | 3,134 |
| Noninterest income to average assets | 0.2664% | 5,765 |
| Noninterest expense to average assets | 3.1018% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7802% | 3,122 |
| Return on assets (ROA) | 0.7802% | 3,195 |
| Pretax return on assets | 0.8373% | 3,751 |
| Return on Equity (ROE) | 8.9937% | 2,475 |
| Retained earnings to average equity (ytd only) | 2.9613% | 4,390 |
| Net charge-offs to loans | -0.0136% | 6,449 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7440% | 2,727 |
| Assets per employee ($millions) | 3.3684% | 5,328 |
| Cash dividends to net income (ytd only)* | 67.0732% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 3,973 |
| Loan loss allowance to noncurrent loans | 146.8227% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 5,582 |
| Noncurrent loans to loans | 1.0549% | 4,944 |
| Net loans and leases to total assets | 63.7260% | 3,493 |
| Net loans and leases to deposits | 77.9360% | 3,068 |
| Net loans and leases to core deposits | 77.9360% | 4,028 |
| Total domestic deposits to total assets | 81.7671% | 5,402 |
| Equity capital to assets | 8.3720% | 6,083 |
| Core capital (leverage) ratio | 8.4782% | 5,496 |
| Tier 1 risk-based capital ratio | 12.5904% | 5,180 |
| Total risk-based capital ratio | 13.8423% | 5,153 |
| Memoranda: | ||
| Average total assets | $42,040,000 | 6,758 |
| Average earning assets | $39,580,000 | 6,701 |
| Average equity | $3,647,000 | 6,975 |
| Average total loans | $29,414,000 | 6,362 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6327% | 1,790 |
| Cost of funding earning assets | 1.4620% | 2,882 |
| Net interest margin | 4.1707% | 2,294 |
| Noninterest income to average assets | 0.9289% | 1,745 |
| Noninterest expense to average assets | 3.0281% | 3,741 |
| Loan and lease loss provision to assets | 0.0642% | 6,502 |
| Net operating income to assets | 1.6552% | 564 |
| Return on assets (ROA) | 1.6552% | 609 |
| Pretax return on assets | 1.7168% | 909 |
| Return on Equity (ROE) | 18.1659% | 369 |
| Retained earnings to average equity (ytd only) | 5.3512% | 2,220 |
| Net charge-offs to loans | 0.1415% | 5,508 |
| Credit loss provision to net charge-offs | 62.5000% | 6,042 |
| Earnings coverage of net charge-offs (x) | 17.3500% | 1,156 |
| Efficiency ratio | 62.9669% | 5,518 |
| Assets per employee ($millions) | 3.0993% | 5,883 |
| Cash dividends to net income (ytd only)* | 70.5426% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 4,339 |
| Loan loss allowance to noncurrent loans | 123.0337% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 5,248 |
| Noncurrent loans to loans | 1.1678% | 4,766 |
| Net loans and leases to total assets | 74.5725% | 1,559 |
| Net loans and leases to deposits | 94.7136% | 989 |
| Net loans and leases to core deposits | 94.7136% | 2,169 |
| Total domestic deposits to total assets | 78.7347% | 6,154 |
| Equity capital to assets | 9.0045% | 5,139 |
| Core capital (leverage) ratio | 8.9800% | 4,582 |
| Tier 1 risk-based capital ratio | 12.0005% | 5,475 |
| Total risk-based capital ratio | 13.2517% | 5,453 |
| Memoranda: | ||
| Average total assets | $38,968,800 | 6,903 |
| Average earning assets | $36,252,800 | 6,869 |
| Average equity | $3,550,600 | 7,122 |
| Average total loans | $28,267,600 | 6,484 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6269% | 1,960 |
| Cost of funding earning assets | 1.5285% | 2,781 |
| Net interest margin | 4.0984% | 2,629 |
| Noninterest income to average assets | 1.1698% | 1,018 |
| Noninterest expense to average assets | 3.0953% | 3,357 |
| Loan and lease loss provision to assets | 0.0863% | 6,179 |
| Net operating income to assets | 1.7323% | 582 |
| Return on assets (ROA) | 1.7323% | 635 |
| Pretax return on assets | 1.7909% | 939 |
| Return on Equity (ROE) | 18.9542% | 391 |
| Retained earnings to average equity (ytd only) | 1.9633% | 4,975 |
| Net charge-offs to loans | 0.1973% | 4,760 |
| Credit loss provision to net charge-offs | 60.9756% | 5,662 |
| Earnings coverage of net charge-offs (x) | 13.2672% | 1,598 |
| Efficiency ratio | 62.2484% | 5,576 |
| Assets per employee ($millions) | 3.0946% | 5,931 |
| Cash dividends to net income (ytd only)* | 89.6417% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 4,055 |
| Loan loss allowance to noncurrent loans | 118.7500% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 1.1434% | 4,831 |
| Noncurrent loans to loans | 1.2451% | 4,768 |
| Net loans and leases to total assets | 72.3813% | 2,172 |
| Net loans and leases to deposits | 88.3250% | 1,968 |
| Net loans and leases to core deposits | 88.3250% | 3,331 |
| Total domestic deposits to total assets | 81.9488% | 5,016 |
| Equity capital to assets | 8.8491% | 5,782 |
| Core capital (leverage) ratio | 8.7081% | 5,171 |
| Tier 1 risk-based capital ratio | 11.7942% | 5,644 |
| Total risk-based capital ratio | 13.0452% | 5,626 |
| Memoranda: | ||
| Average total assets | $38,638,250 | 6,995 |
| Average earning assets | $35,850,500 | 6,963 |
| Average equity | $3,531,250 | 7,217 |
| Average total loans | $27,713,500 | 6,605 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5727% | 2,241 |
| Cost of funding earning assets | 1.5769% | 2,791 |
| Net interest margin | 3.9959% | 3,036 |
| Noninterest income to average assets | 1.5745% | 520 |
| Noninterest expense to average assets | 3.2172% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.0153% | 325 |
| Return on assets (ROA) | 2.0153% | 355 |
| Pretax return on assets | 2.0678% | 524 |
| Return on Equity (ROE) | 21.8078% | 218 |
| Retained earnings to average equity (ytd only) | -0.3407% | 5,801 |
| Net charge-offs to loans | 0.1624% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 17.9091% | 1,313 |
| Efficiency ratio | 60.8739% | 5,881 |
| Assets per employee ($millions) | 2.9606% | 6,225 |
| Cash dividends to net income (ytd only)* | 101.5625% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 3,441 |
| Loan loss allowance to noncurrent loans | 135.5346% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.1120% | 4,912 |
| Noncurrent loans to loans | 1.1812% | 4,986 |
| Net loans and leases to total assets | 68.8266% | 3,167 |
| Net loans and leases to deposits | 83.5304% | 2,969 |
| Net loans and leases to core deposits | 83.5304% | 4,209 |
| Total domestic deposits to total assets | 82.3971% | 4,826 |
| Equity capital to assets | 9.1301% | 5,250 |
| Core capital (leverage) ratio | 8.9701% | 4,655 |
| Tier 1 risk-based capital ratio | 12.5944% | 4,773 |
| Total risk-based capital ratio | 13.8469% | 4,739 |
| Memoranda: | ||
| Average total assets | $38,107,670 | 7,069 |
| Average earning assets | $35,386,670 | 7,026 |
| Average equity | $3,521,670 | 7,262 |
| Average total loans | $27,099,330 | 6,684 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5717% | 2,280 |
| Cost of funding earning assets | 1.6016% | 2,953 |
| Net interest margin | 3.9701% | 2,996 |
| Noninterest income to average assets | 2.8483% | 220 |
| Noninterest expense to average assets | 3.3441% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.1648% | 86 |
| Return on assets (ROA) | 3.1648% | 90 |
| Pretax return on assets | 3.2175% | 121 |
| Return on Equity (ROE) | 34.0377% | 56 |
| Retained earnings to average equity (ytd only) | 5.1057% | 3,102 |
| Net charge-offs to loans | 0.0147% | 5,380 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 102 |
| Efficiency ratio | 50.9646% | 7,247 |
| Assets per employee ($millions) | 2.9752% | 6,269 |
| Cash dividends to net income (ytd only)* | 85.0000% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 3,020 |
| Loan loss allowance to noncurrent loans | 155.3265% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 1.0213% | 5,109 |
| Noncurrent loans to loans | 1.1020% | 5,153 |
| Net loans and leases to total assets | 67.1045% | 3,603 |
| Net loans and leases to deposits | 81.8687% | 3,303 |
| Net loans and leases to core deposits | 81.8687% | 4,507 |
| Total domestic deposits to total assets | 81.9660% | 5,085 |
| Equity capital to assets | 9.1605% | 5,048 |
| Core capital (leverage) ratio | 8.8651% | 4,774 |
| Tier 1 risk-based capital ratio | 11.8905% | 5,308 |
| Total risk-based capital ratio | 13.0799% | 5,312 |
| Memoranda: | ||
| Average total assets | $37,917,500 | 7,165 |
| Average earning assets | $35,465,000 | 7,106 |
| Average equity | $3,525,500 | 7,336 |
| Average total loans | $27,188,500 | 6,768 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2028% | 1,237 |
| Cost of funding earning assets | 1.8083% | 3,944 |
| Net interest margin | 4.3945% | 1,447 |
| Noninterest income to average assets | 0.8908% | 1,981 |
| Noninterest expense to average assets | 3.3624% | 2,799 |
| Loan and lease loss provision to assets | 0.1204% | 6,439 |
| Net operating income to assets | 1.4472% | 769 |
| Return on assets (ROA) | 1.4472% | 827 |
| Pretax return on assets | 1.5033% | 1,178 |
| Return on Equity (ROE) | 15.8753% | 570 |
| Retained earnings to average equity (ytd only) | 5.4581% | 1,602 |
| Net charge-offs to loans | 0.1465% | 5,776 |
| Credit loss provision to net charge-offs | 112.5000% | 4,878 |
| Earnings coverage of net charge-offs (x) | 15.1750% | 1,323 |
| Efficiency ratio | 67.4356% | 5,108 |
| Assets per employee ($millions) | 2.8583% | 6,545 |
| Cash dividends to net income (ytd only)* | 65.6192% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 3,199 |
| Loan loss allowance to noncurrent loans | 397.3684% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.5894% | 5,986 |
| Noncurrent loans to loans | 0.4076% | 6,462 |
| Net loans and leases to total assets | 74.0567% | 2,261 |
| Net loans and leases to deposits | 91.2038% | 2,015 |
| Net loans and leases to core deposits | 100.8170% | 3,920 |
| Total domestic deposits to total assets | 81.1992% | 5,266 |
| Equity capital to assets | 9.4408% | 4,499 |
| Core capital (leverage) ratio | 9.0556% | 4,330 |
| Tier 1 risk-based capital ratio | 11.5769% | 5,320 |
| Total risk-based capital ratio | 12.8299% | 5,271 |
| Memoranda: | ||
| Average total assets | $37,383,800 | 7,194 |
| Average earning assets | $34,839,000 | 7,145 |
| Average equity | $3,407,800 | 7,472 |
| Average total loans | $27,304,600 | 6,782 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2312% | 1,293 |
| Cost of funding earning assets | 1.8354% | 4,218 |
| Net interest margin | 4.3958% | 1,450 |
| Noninterest income to average assets | 1.0149% | 1,547 |
| Noninterest expense to average assets | 3.3404% | 2,767 |
| Loan and lease loss provision to assets | 0.0890% | 6,477 |
| Net operating income to assets | 1.6203% | 640 |
| Return on assets (ROA) | 1.6203% | 690 |
| Pretax return on assets | 1.6880% | 996 |
| Return on Equity (ROE) | 17.9336% | 460 |
| Retained earnings to average equity (ytd only) | 3.9415% | 3,076 |
| Net charge-offs to loans | 0.1278% | 5,423 |
| Credit loss provision to net charge-offs | 96.1538% | 5,296 |
| Earnings coverage of net charge-offs (x) | 19.1901% | 1,306 |
| Efficiency ratio | 65.2749% | 5,506 |
| Assets per employee ($millions) | 2.8143% | 6,626 |
| Cash dividends to net income (ytd only)* | 78.0219% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 2,844 |
| Loan loss allowance to noncurrent loans | 399.1071% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.5986% | 5,955 |
| Noncurrent loans to loans | 0.4113% | 6,514 |
| Net loans and leases to total assets | 73.2001% | 2,739 |
| Net loans and leases to deposits | 94.8941% | 1,732 |
| Net loans and leases to core deposits | 106.7695% | 3,612 |
| Total domestic deposits to total assets | 77.1388% | 6,304 |
| Equity capital to assets | 9.4107% | 4,871 |
| Core capital (leverage) ratio | 8.9844% | 4,672 |
| Tier 1 risk-based capital ratio | 12.0737% | 4,902 |
| Total risk-based capital ratio | 13.3281% | 4,841 |
| Memoranda: | ||
| Average total assets | $37,440,250 | 7,254 |
| Average earning assets | $34,941,500 | 7,208 |
| Average equity | $3,382,750 | 7,545 |
| Average total loans | $27,138,000 | 6,853 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2478% | 1,336 |
| Cost of funding earning assets | 1.8232% | 4,651 |
| Net interest margin | 4.4246% | 1,352 |
| Noninterest income to average assets | 0.8270% | 2,287 |
| Noninterest expense to average assets | 3.4195% | 2,569 |
| Loan and lease loss provision to assets | 0.1325% | 5,768 |
| Net operating income to assets | 1.3360% | 1,146 |
| Return on assets (ROA) | 1.3360% | 1,219 |
| Pretax return on assets | 1.4049% | 1,712 |
| Return on Equity (ROE) | 14.9881% | 828 |
| Retained earnings to average equity (ytd only) | 0.1190% | 5,157 |
| Net charge-offs to loans | -0.0148% | 7,653 |
| Credit loss provision to net charge-offs | -1,250.0000% | 7,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9840% | 4,984 |
| Assets per employee ($millions) | 2.9570% | 6,246 |
| Cash dividends to net income (ytd only)* | 99.2063% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 2,252 |
| Loan loss allowance to noncurrent loans | 318.7919% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 6,241 |
| Noncurrent loans to loans | 0.5418% | 6,185 |
| Net loans and leases to total assets | 70.3025% | 3,625 |
| Net loans and leases to deposits | 96.9368% | 1,663 |
| Net loans and leases to core deposits | 108.3166% | 3,575 |
| Total domestic deposits to total assets | 72.5241% | 7,182 |
| Equity capital to assets | 8.6990% | 5,751 |
| Core capital (leverage) ratio | 8.5982% | 5,266 |
| Tier 1 risk-based capital ratio | 10.8642% | 6,018 |
| Total risk-based capital ratio | 12.1190% | 5,950 |
| Memoranda: | ||
| Average total assets | $37,725,000 | 7,301 |
| Average earning assets | $35,212,330 | 7,251 |
| Average equity | $3,362,670 | 7,613 |
| Average total loans | $27,108,000 | 6,915 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1631% | 1,719 |
| Cost of funding earning assets | 1.8867% | 4,704 |
| Net interest margin | 4.2764% | 1,655 |
| Noninterest income to average assets | 1.3702% | 759 |
| Noninterest expense to average assets | 3.5111% | 2,073 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7984% | 529 |
| Return on assets (ROA) | 1.7984% | 583 |
| Pretax return on assets | 1.8626% | 873 |
| Return on Equity (ROE) | 19.9288% | 428 |
| Retained earnings to average equity (ytd only) | 3.3215% | 4,029 |
| Net charge-offs to loans | -0.0149% | 7,370 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3386% | 5,442 |
| Assets per employee ($millions) | 2.6864% | 6,917 |
| Cash dividends to net income (ytd only)* | 83.3333% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 2,284 |
| Loan loss allowance to noncurrent loans | 289.6774% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 5,956 |
| Noncurrent loans to loans | 0.5719% | 5,978 |
| Net loans and leases to total assets | 70.8660% | 3,498 |
| Net loans and leases to deposits | 88.2224% | 3,250 |
| Net loans and leases to core deposits | 97.6586% | 4,779 |
| Total domestic deposits to total assets | 80.3265% | 5,229 |
| Equity capital to assets | 8.9846% | 5,374 |
| Core capital (leverage) ratio | 8.6585% | 5,235 |
| Tier 1 risk-based capital ratio | 12.1098% | 4,864 |
| Total risk-based capital ratio | 13.3657% | 4,762 |
| Memoranda: | ||
| Average total assets | $37,367,000 | 7,355 |
| Average earning assets | $34,982,500 | 7,303 |
| Average equity | $3,372,000 | 7,665 |
| Average total loans | $26,912,000 | 6,943 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0952% | 928 |
| Cost of funding earning assets | 2.4629% | 4,409 |
| Net interest margin | 4.6323% | 1,091 |
| Noninterest income to average assets | 0.8568% | 2,184 |
| Noninterest expense to average assets | 3.4156% | 2,626 |
| Loan and lease loss provision to assets | 0.0714% | 6,504 |
| Net operating income to assets | 1.5507% | 925 |
| Return on assets (ROA) | 1.5507% | 894 |
| Pretax return on assets | 1.6078% | 1,362 |
| Return on Equity (ROE) | 17.3206% | 595 |
| Retained earnings to average equity (ytd only) | 8.0702% | 825 |
| Net charge-offs to loans | 0.0343% | 6,334 |
| Credit loss provision to net charge-offs | 277.7778% | 1,644 |
| Earnings coverage of net charge-offs (x) | 65.3333% | 616 |
| Efficiency ratio | 67.0404% | 4,903 |
| Assets per employee ($millions) | 2.8558% | 6,425 |
| Cash dividends to net income (ytd only)* | 53.4070% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 1,976 |
| Loan loss allowance to noncurrent loans | 234.5550% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 5,373 |
| Noncurrent loans to loans | 0.7147% | 5,247 |
| Net loans and leases to total assets | 70.7744% | 3,838 |
| Net loans and leases to deposits | 90.4257% | 3,382 |
| Net loans and leases to core deposits | 100.9141% | 4,731 |
| Total domestic deposits to total assets | 78.2680% | 5,625 |
| Equity capital to assets | 9.0640% | 5,275 |
| Core capital (leverage) ratio | 8.8719% | 4,931 |
| Tier 1 risk-based capital ratio | 12.0360% | 4,792 |
| Total risk-based capital ratio | 13.2916% | 4,672 |
| Memoranda: | ||
| Average total assets | $35,015,800 | 7,423 |
| Average earning assets | $32,035,600 | 7,405 |
| Average equity | $3,135,000 | 7,796 |
| Average total loans | $26,256,000 | 6,948 |