Home > The State Bank of Lima > Performance and Condition Ratios
The State Bank of Lima, Performance and Condition Ratios
| 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 | 3.3292% | 5,385 |
| Cost of funding earning assets | 0.3847% | 3,428 |
| Net interest margin | 2.9445% | 5,351 |
| Noninterest income to average assets | 0.2472% | 5,183 |
| Noninterest expense to average assets | 4.3323% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.3205% | 6,281 |
| Return on assets (ROA) | 0.4553% | 5,056 |
| Pretax return on assets | 0.4293% | 5,402 |
| Return on Equity (ROE) | 3.4177% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.4177% | 3,868 |
| 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 | 145.0980% | 48 |
| Assets per employee ($millions) | 5.8534% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8808% | 307 |
| Loan loss allowance to noncurrent loans | 8,800.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 5,842 |
| Noncurrent loans to loans | 0.0327% | 5,621 |
| Net loans and leases to total assets | 40.5474% | 5,598 |
| Net loans and leases to deposits | 47.8605% | 5,602 |
| Net loans and leases to core deposits | 49.4726% | 5,632 |
| Total domestic deposits to total assets | 84.7200% | 3,245 |
| Equity capital to assets | 13.4486% | 1,191 |
| Core capital (leverage) ratio | 12.0521% | 1,622 |
| Tier 1 risk-based capital ratio | 22.4520% | 1,142 |
| Total risk-based capital ratio | 23.7096% | 1,121 |
| Memoranda: | ||
| Average total assets | $30,745,670 | 6,095 |
| Average earning assets | $28,595,330 | 6,074 |
| Average equity | $4,096,330 | 5,977 |
| Average total loans | $13,627,330 | 6,073 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 4,198 |
| Cost of funding earning assets | 0.3708% | 3,636 |
| Net interest margin | 3.3784% | 3,923 |
| Noninterest income to average assets | 0.2160% | 5,409 |
| Noninterest expense to average assets | 1.9184% | 5,724 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4737% | 899 |
| Return on assets (ROA) | 1.4737% | 957 |
| Pretax return on assets | 1.4229% | 1,800 |
| Return on Equity (ROE) | 11.1098% | 1,605 |
| Retained earnings to average equity (ytd only) | 11.1098% | 701 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4144% | 5,399 |
| Assets per employee ($millions) | 6.2830% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5278% | 509 |
| Loan loss allowance to noncurrent loans | 733.3333% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 5,342 |
| Noncurrent loans to loans | 0.3447% | 4,555 |
| Net loans and leases to total assets | 43.2055% | 5,410 |
| Net loans and leases to deposits | 51.7303% | 5,349 |
| Net loans and leases to core deposits | 53.3719% | 5,404 |
| Total domestic deposits to total assets | 83.5206% | 4,002 |
| Equity capital to assets | 13.7928% | 1,059 |
| Core capital (leverage) ratio | 11.9199% | 1,688 |
| Tier 1 risk-based capital ratio | 20.0822% | 1,597 |
| Total risk-based capital ratio | 21.3360% | 1,563 |
| Memoranda: | ||
| Average total assets | $31,485,000 | 6,150 |
| Average earning assets | $29,126,000 | 6,122 |
| Average equity | $4,176,500 | 6,018 |
| Average total loans | $14,331,500 | 6,102 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 3,982 |
| Cost of funding earning assets | 0.4558% | 3,113 |
| Net interest margin | 3.4819% | 3,862 |
| Noninterest income to average assets | 0.2244% | 5,522 |
| Noninterest expense to average assets | 3.2985% | 1,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1636% | 5,843 |
| Return on assets (ROA) | 0.1358% | 5,948 |
| Pretax return on assets | 0.1447% | 5,945 |
| Return on Equity (ROE) | 1.1715% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.1715% | 5,250 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9830% | 548 |
| Assets per employee ($millions) | 6.3110% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3884% | 632 |
| Loan loss allowance to noncurrent loans | 11,733.3333% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 6,032 |
| Noncurrent loans to loans | 0.0204% | 5,809 |
| Net loans and leases to total assets | 45.5902% | 5,362 |
| Net loans and leases to deposits | 53.9266% | 5,336 |
| Net loans and leases to core deposits | 55.6002% | 5,407 |
| Total domestic deposits to total assets | 84.5413% | 3,489 |
| Equity capital to assets | 12.7397% | 1,508 |
| Core capital (leverage) ratio | 11.1520% | 2,257 |
| Tier 1 risk-based capital ratio | 18.0632% | 2,113 |
| Total risk-based capital ratio | 19.3189% | 2,081 |
| Memoranda: | ||
| Average total assets | $33,863,600 | 6,175 |
| Average earning assets | $31,592,400 | 6,153 |
| Average equity | $3,926,600 | 6,101 |
| Average total loans | $16,347,400 | 6,112 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9093% | 4,141 |
| Cost of funding earning assets | 0.4726% | 3,030 |
| Net interest margin | 3.4367% | 4,084 |
| Noninterest income to average assets | 0.2245% | 5,588 |
| Noninterest expense to average assets | 1.9047% | 5,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5172% | 905 |
| Return on assets (ROA) | 1.4788% | 1,007 |
| Pretax return on assets | 1.4904% | 1,673 |
| Return on Equity (ROE) | 13.0486% | 1,211 |
| Retained earnings to average equity (ytd only) | 13.0486% | 328 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4679% | 5,711 |
| Assets per employee ($millions) | 5.4445% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1324% | 1,043 |
| 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 | 49.4536% | 5,061 |
| Net loans and leases to deposits | 60.5737% | 4,887 |
| Net loans and leases to core deposits | 63.1005% | 4,961 |
| Total domestic deposits to total assets | 81.6420% | 4,613 |
| Equity capital to assets | 13.1999% | 1,330 |
| Core capital (leverage) ratio | 11.9624% | 1,717 |
| Tier 1 risk-based capital ratio | 18.4653% | 2,066 |
| Total risk-based capital ratio | 19.7198% | 2,024 |
| Memoranda: | ||
| Average total assets | $34,440,750 | 6,243 |
| Average earning assets | $32,161,750 | 6,214 |
| Average equity | $3,903,250 | 6,176 |
| Average total loans | $16,749,750 | 6,159 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 4,298 |
| Cost of funding earning assets | 0.4849% | 2,977 |
| Net interest margin | 3.3759% | 4,284 |
| Noninterest income to average assets | 0.2284% | 5,571 |
| Noninterest expense to average assets | 1.8897% | 6,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4667% | 934 |
| Return on assets (ROA) | 1.4101% | 1,077 |
| Pretax return on assets | 1.4216% | 1,814 |
| Return on Equity (ROE) | 13.1139% | 1,145 |
| Retained earnings to average equity (ytd only) | 13.1139% | 329 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1017% | 5,740 |
| Assets per employee ($millions) | 5.7817% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1134% | 1,154 |
| 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 | 46.9991% | 5,266 |
| Net loans and leases to deposits | 55.5446% | 5,233 |
| Net loans and leases to core deposits | 57.5991% | 5,300 |
| Total domestic deposits to total assets | 84.6152% | 3,679 |
| Equity capital to assets | 11.9602% | 2,017 |
| Core capital (leverage) ratio | 11.1432% | 2,298 |
| Tier 1 risk-based capital ratio | 17.3368% | 2,481 |
| Total risk-based capital ratio | 18.5910% | 2,443 |
| Memoranda: | ||
| Average total assets | $35,032,000 | 6,290 |
| Average earning assets | $32,584,000 | 6,264 |
| Average equity | $3,767,000 | 6,250 |
| Average total loans | $16,830,670 | 6,207 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 4,348 |
| Cost of funding earning assets | 0.5036% | 2,871 |
| Net interest margin | 3.3286% | 4,432 |
| Noninterest income to average assets | 0.2386% | 5,451 |
| Noninterest expense to average assets | 1.8976% | 6,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4090% | 972 |
| Return on assets (ROA) | 1.4090% | 1,015 |
| Pretax return on assets | 1.4203% | 1,681 |
| Return on Equity (ROE) | 13.8702% | 968 |
| Retained earnings to average equity (ytd only) | 13.8702% | 404 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1918% | 5,730 |
| Assets per employee ($millions) | 5.9233% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1168% | 1,293 |
| 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 | 45.7991% | 5,350 |
| Net loans and leases to deposits | 54.0836% | 5,278 |
| Net loans and leases to core deposits | 56.0291% | 5,351 |
| Total domestic deposits to total assets | 84.6820% | 4,008 |
| Equity capital to assets | 10.5881% | 3,157 |
| Core capital (leverage) ratio | 10.6057% | 2,803 |
| Tier 1 risk-based capital ratio | 16.6866% | 2,819 |
| Total risk-based capital ratio | 17.9419% | 2,779 |
| Memoranda: | ||
| Average total assets | $35,203,000 | 6,351 |
| Average earning assets | $32,566,500 | 6,328 |
| Average equity | $3,576,000 | 6,332 |
| Average total loans | $16,918,000 | 6,263 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 4,615 |
| Cost of funding earning assets | 0.5841% | 2,794 |
| Net interest margin | 3.2752% | 4,755 |
| Noninterest income to average assets | 0.2226% | 5,741 |
| Noninterest expense to average assets | 1.6997% | 6,447 |
| Loan and lease loss provision to assets | 0.1571% | 2,316 |
| Net operating income to assets | 1.3953% | 1,032 |
| Return on assets (ROA) | 0.6993% | 3,886 |
| Pretax return on assets | 0.7176% | 4,472 |
| Return on Equity (ROE) | 7.3745% | 3,367 |
| Retained earnings to average equity (ytd only) | 6.5459% | 1,655 |
| Net charge-offs to loans | 0.0588% | 4,399 |
| Credit loss provision to net charge-offs | 545.4545% | 427 |
| Earnings coverage of net charge-offs (x) | 55.2727% | 736 |
| Efficiency ratio | 51.6309% | 6,324 |
| Assets per employee ($millions) | 5.8110% | 1,397 |
| Cash dividends to net income (ytd only)* | 11.2360% | 3,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0457% | 1,449 |
| 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 | 48.3422% | 5,257 |
| Net loans and leases to deposits | 56.5623% | 5,250 |
| Net loans and leases to core deposits | 59.1383% | 5,289 |
| Total domestic deposits to total assets | 85.4672% | 3,520 |
| Equity capital to assets | 9.7201% | 4,147 |
| Core capital (leverage) ratio | 10.0603% | 3,485 |
| Tier 1 risk-based capital ratio | 16.0809% | 3,062 |
| Total risk-based capital ratio | 17.3362% | 3,018 |
| Memoranda: | ||
| Average total assets | $38,183,200 | 6,340 |
| Average earning assets | $35,784,000 | 6,297 |
| Average equity | $3,620,600 | 6,411 |
| Average total loans | $18,716,200 | 6,266 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 4,740 |
| Cost of funding earning assets | 0.5963% | 2,841 |
| Net interest margin | 3.2323% | 4,887 |
| Noninterest income to average assets | 0.2290% | 5,794 |
| Noninterest expense to average assets | 1.5755% | 6,575 |
| Loan and lease loss provision to assets | 0.2051% | 1,769 |
| Net operating income to assets | 1.4416% | 1,004 |
| Return on assets (ROA) | 0.5366% | 4,781 |
| Pretax return on assets | 0.5537% | 5,195 |
| Return on Equity (ROE) | 5.6906% | 4,353 |
| Retained earnings to average equity (ytd only) | 4.6032% | 3,394 |
| Net charge-offs to loans | -0.0140% | 5,961 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2218% | 6,497 |
| Assets per employee ($millions) | 6.1345% | 1,145 |
| Cash dividends to net income (ytd only)* | 19.1086% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9522% | 1,844 |
| Loan loss allowance to noncurrent loans | 287.4016% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 5,372 |
| Noncurrent loans to loans | 0.6793% | 4,502 |
| Net loans and leases to total assets | 49.8057% | 5,165 |
| Net loans and leases to deposits | 58.7357% | 5,107 |
| Net loans and leases to core deposits | 61.8238% | 5,136 |
| Total domestic deposits to total assets | 84.7964% | 3,840 |
| Equity capital to assets | 9.2999% | 4,807 |
| Core capital (leverage) ratio | 9.4974% | 4,411 |
| Tier 1 risk-based capital ratio | 15.2946% | 3,570 |
| Total risk-based capital ratio | 16.5472% | 3,523 |
| Memoranda: | ||
| Average total assets | $39,012,500 | 6,382 |
| Average earning assets | $36,670,250 | 6,336 |
| Average equity | $3,678,500 | 6,472 |
| Average total loans | $19,093,500 | 6,311 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8426% | 4,679 |
| Cost of funding earning assets | 0.6093% | 2,857 |
| Net interest margin | 3.2333% | 4,827 |
| Noninterest income to average assets | 0.2113% | 5,931 |
| Noninterest expense to average assets | 1.5598% | 6,627 |
| Loan and lease loss provision to assets | 0.2264% | 1,667 |
| Net operating income to assets | 1.4491% | 986 |
| Return on assets (ROA) | 1.4491% | 1,064 |
| Pretax return on assets | 1.4693% | 1,716 |
| Return on Equity (ROE) | 15.3042% | 760 |
| Retained earnings to average equity (ytd only) | 13.7100% | 320 |
| Net charge-offs to loans | -0.0208% | 5,984 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9134% | 6,540 |
| Assets per employee ($millions) | 7.5570% | 547 |
| Cash dividends to net income (ytd only)* | 10.4167% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 2,208 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 4,939 |
| Noncurrent loans to loans | 1.0669% | 3,792 |
| Net loans and leases to total assets | 48.6860% | 5,265 |
| Net loans and leases to deposits | 56.9606% | 5,251 |
| Net loans and leases to core deposits | 59.8380% | 5,273 |
| Total domestic deposits to total assets | 85.4731% | 3,654 |
| Equity capital to assets | 8.7495% | 5,488 |
| Core capital (leverage) ratio | 8.7350% | 5,375 |
| Tier 1 risk-based capital ratio | 15.3505% | 3,565 |
| Total risk-based capital ratio | 16.6047% | 3,520 |
| Memoranda: | ||
| Average total assets | $39,747,670 | 6,411 |
| Average earning assets | $37,423,000 | 6,360 |
| Average equity | $3,763,670 | 6,501 |
| Average total loans | $19,225,670 | 6,347 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 5,395 |
| Cost of funding earning assets | 0.6289% | 2,853 |
| Net interest margin | 2.9898% | 5,598 |
| Noninterest income to average assets | 0.2259% | 5,850 |
| Noninterest expense to average assets | 1.6303% | 6,643 |
| Loan and lease loss provision to assets | 0.2946% | 1,186 |
| Net operating income to assets | 1.1294% | 1,746 |
| Return on assets (ROA) | 1.1294% | 1,864 |
| Pretax return on assets | 1.1491% | 2,767 |
| Return on Equity (ROE) | 11.5216% | 1,548 |
| Retained earnings to average equity (ytd only) | 11.5216% | 775 |
| Net charge-offs to loans | -0.0616% | 6,226 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0351% | 6,304 |
| Assets per employee ($millions) | 9.0576% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7754% | 2,711 |
| Loan loss allowance to noncurrent loans | 486.9565% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1524% | 6,117 |
| Noncurrent loans to loans | 0.3646% | 5,489 |
| Net loans and leases to total assets | 41.0462% | 5,917 |
| Net loans and leases to deposits | 48.1817% | 5,910 |
| Net loans and leases to core deposits | 49.8458% | 5,980 |
| Total domestic deposits to total assets | 85.1903% | 3,950 |
| Equity capital to assets | 8.8765% | 5,635 |
| Core capital (leverage) ratio | 9.1963% | 4,573 |
| Tier 1 risk-based capital ratio | 15.2801% | 3,665 |
| Total risk-based capital ratio | 16.5310% | 3,620 |
| Memoranda: | ||
| Average total assets | $40,729,000 | 6,441 |
| Average earning assets | $38,798,000 | 6,374 |
| Average equity | $3,992,500 | 6,519 |
| Average total loans | $19,465,500 | 6,387 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 3,729 |
| Cost of funding earning assets | 0.8770% | 2,084 |
| Net interest margin | 3.5437% | 4,325 |
| Noninterest income to average assets | 0.2658% | 5,559 |
| Noninterest expense to average assets | 2.0163% | 6,294 |
| Loan and lease loss provision to assets | 0.0061% | 5,850 |
| Net operating income to assets | 1.5651% | 803 |
| Return on assets (ROA) | 1.6558% | 754 |
| Pretax return on assets | 1.6803% | 1,183 |
| Return on Equity (ROE) | 14.4664% | 907 |
| Retained earnings to average equity (ytd only) | 8.1941% | 1,062 |
| Net charge-offs to loans | 0.0728% | 4,956 |
| Credit loss provision to net charge-offs | 15.3846% | 5,339 |
| Earnings coverage of net charge-offs (x) | 40.1538% | 798 |
| Efficiency ratio | 55.8376% | 6,072 |
| Assets per employee ($millions) | 6.0283% | 1,259 |
| Cash dividends to net income (ytd only)* | 43.3579% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 3,689 |
| Loan loss allowance to noncurrent loans | 841.6667% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 6,338 |
| Noncurrent loans to loans | 0.1799% | 6,023 |
| Net loans and leases to total assets | 54.4733% | 4,552 |
| Net loans and leases to deposits | 66.7378% | 4,174 |
| Net loans and leases to core deposits | 70.3980% | 4,253 |
| Total domestic deposits to total assets | 81.6229% | 5,216 |
| Equity capital to assets | 10.9621% | 2,999 |
| Core capital (leverage) ratio | 10.0173% | 3,375 |
| Tier 1 risk-based capital ratio | 14.0361% | 4,363 |
| Total risk-based capital ratio | 15.2818% | 4,319 |
| Memoranda: | ||
| Average total assets | $32,732,600 | 6,690 |
| Average earning assets | $30,900,000 | 6,644 |
| Average equity | $3,746,600 | 6,623 |
| Average total loans | $17,863,200 | 6,514 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 3,584 |
| Cost of funding earning assets | 0.9247% | 2,016 |
| Net interest margin | 3.5882% | 4,284 |
| Noninterest income to average assets | 0.2719% | 5,614 |
| Noninterest expense to average assets | 1.8029% | 6,683 |
| Loan and lease loss provision to assets | 0.0042% | 5,754 |
| Net operating income to assets | 1.8329% | 533 |
| Return on assets (ROA) | 1.9033% | 522 |
| Pretax return on assets | 1.9284% | 817 |
| Return on Equity (ROE) | 16.4315% | 678 |
| Retained earnings to average equity (ytd only) | 7.9450% | 1,638 |
| Net charge-offs to loans | -0.0077% | 6,316 |
| Credit loss provision to net charge-offs | -100.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2009% | 6,647 |
| Assets per employee ($millions) | 5.3882% | 1,742 |
| Cash dividends to net income (ytd only)* | 51.6492% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 2,716 |
| Loan loss allowance to noncurrent loans | 770.7317% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 6,400 |
| Noncurrent loans to loans | 0.2368% | 6,014 |
| Net loans and leases to total assets | 52.5813% | 4,972 |
| Net loans and leases to deposits | 63.6023% | 4,761 |
| Net loans and leases to core deposits | 68.4891% | 4,676 |
| Total domestic deposits to total assets | 82.6719% | 4,767 |
| Equity capital to assets | 12.1655% | 2,141 |
| Core capital (leverage) ratio | 10.4847% | 2,930 |
| Tier 1 risk-based capital ratio | 15.5127% | 3,527 |
| Total risk-based capital ratio | 16.7669% | 3,487 |
| Memoranda: | ||
| Average total assets | $31,873,250 | 6,795 |
| Average earning assets | $30,135,250 | 6,743 |
| Average equity | $3,692,000 | 6,722 |
| Average total loans | $17,327,500 | 6,623 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 3,627 |
| Cost of funding earning assets | 0.9522% | 2,047 |
| Net interest margin | 3.5825% | 4,337 |
| Noninterest income to average assets | 0.2711% | 5,637 |
| Noninterest expense to average assets | 2.0365% | 6,361 |
| Loan and lease loss provision to assets | 0.0063% | 5,578 |
| Net operating income to assets | 1.5951% | 845 |
| Return on assets (ROA) | 1.5951% | 944 |
| Pretax return on assets | 1.6204% | 1,487 |
| Return on Equity (ROE) | 14.0101% | 1,120 |
| Retained earnings to average equity (ytd only) | 6.5344% | 2,367 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5938% | 6,163 |
| Assets per employee ($millions) | 5.3088% | 1,812 |
| Cash dividends to net income (ytd only)* | 53.3597% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8391% | 2,734 |
| 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 | 52.7831% | 4,994 |
| Net loans and leases to deposits | 63.7170% | 4,804 |
| Net loans and leases to core deposits | 68.6637% | 4,709 |
| Total domestic deposits to total assets | 82.8399% | 4,811 |
| Equity capital to assets | 11.8607% | 2,259 |
| Core capital (leverage) ratio | 9.9703% | 3,462 |
| Tier 1 risk-based capital ratio | 15.2764% | 3,586 |
| Total risk-based capital ratio | 16.5317% | 3,546 |
| Memoranda: | ||
| Average total assets | $31,721,330 | 6,852 |
| Average earning assets | $30,034,670 | 6,794 |
| Average equity | $3,611,670 | 6,778 |
| Average total loans | $17,331,670 | 6,677 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 3,526 |
| Cost of funding earning assets | 0.9485% | 2,311 |
| Net interest margin | 3.6470% | 4,056 |
| Noninterest income to average assets | 0.2780% | 5,643 |
| Noninterest expense to average assets | 2.0597% | 6,361 |
| Loan and lease loss provision to assets | 0.0126% | 5,149 |
| Net operating income to assets | 1.6300% | 821 |
| Return on assets (ROA) | 1.6300% | 916 |
| Pretax return on assets | 1.6553% | 1,420 |
| Return on Equity (ROE) | 14.6238% | 1,055 |
| Retained earnings to average equity (ytd only) | 8.3888% | 1,824 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2542% | 6,199 |
| Assets per employee ($millions) | 5.4128% | 1,773 |
| Cash dividends to net income (ytd only)* | 42.6357% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7804% | 3,059 |
| Loan loss allowance to noncurrent loans | 1,575.0000% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 6,739 |
| Noncurrent loans to loans | 0.1130% | 6,473 |
| Net loans and leases to total assets | 53.5086% | 4,802 |
| Net loans and leases to deposits | 65.0228% | 4,484 |
| Net loans and leases to core deposits | 68.9439% | 4,570 |
| Total domestic deposits to total assets | 82.2921% | 5,205 |
| Equity capital to assets | 10.9955% | 2,914 |
| Core capital (leverage) ratio | 9.8507% | 3,570 |
| Tier 1 risk-based capital ratio | 14.6745% | 3,969 |
| Total risk-based capital ratio | 15.9293% | 3,929 |
| Memoranda: | ||
| Average total assets | $31,655,500 | 6,909 |
| Average earning assets | $29,942,500 | 6,849 |
| Average equity | $3,528,500 | 6,842 |
| Average total loans | $17,433,500 | 6,732 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3289% | 1,625 |
| Cost of funding earning assets | 1.1728% | 2,203 |
| Net interest margin | 4.1561% | 2,209 |
| Noninterest income to average assets | 0.3295% | 5,183 |
| Noninterest expense to average assets | 2.2492% | 6,164 |
| Loan and lease loss provision to assets | 0.1504% | 4,738 |
| Net operating income to assets | 1.8177% | 447 |
| Return on assets (ROA) | 2.1693% | 254 |
| Pretax return on assets | 2.1853% | 380 |
| Return on Equity (ROE) | 21.1320% | 218 |
| Retained earnings to average equity (ytd only) | 7.4180% | 1,306 |
| Net charge-offs to loans | 0.0113% | 6,271 |
| Credit loss provision to net charge-offs | 2,350.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 309.5000% | 118 |
| Efficiency ratio | 53.1770% | 6,590 |
| Assets per employee ($millions) | 5.1390% | 2,012 |
| Cash dividends to net income (ytd only)* | 64.8968% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 2,778 |
| Loan loss allowance to noncurrent loans | 4,485.7143% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 6,914 |
| Noncurrent loans to loans | 0.0408% | 6,726 |
| Net loans and leases to total assets | 54.6799% | 4,924 |
| Net loans and leases to deposits | 67.0218% | 4,576 |
| Net loans and leases to core deposits | 71.2957% | 4,618 |
| Total domestic deposits to total assets | 81.5853% | 5,270 |
| Equity capital to assets | 11.3057% | 2,687 |
| Core capital (leverage) ratio | 10.0942% | 3,233 |
| Tier 1 risk-based capital ratio | 15.1676% | 3,533 |
| Total risk-based capital ratio | 16.4218% | 3,496 |
| Memoranda: | ||
| Average total assets | $31,255,000 | 6,935 |
| Average earning assets | $29,330,400 | 6,889 |
| Average equity | $3,208,400 | 6,960 |
| Average total loans | $17,675,800 | 6,773 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5173% | 1,205 |
| Cost of funding earning assets | 1.2150% | 2,227 |
| Net interest margin | 4.3023% | 1,706 |
| Noninterest income to average assets | 0.3444% | 5,107 |
| Noninterest expense to average assets | 2.0493% | 6,595 |
| Loan and lease loss provision to assets | 0.1998% | 4,023 |
| Net operating income to assets | 2.1165% | 287 |
| Return on assets (ROA) | 2.4617% | 171 |
| Pretax return on assets | 2.4786% | 260 |
| Return on Equity (ROE) | 24.5932% | 143 |
| Retained earnings to average equity (ytd only) | 10.1516% | 804 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7961% | 7,022 |
| Assets per employee ($millions) | 5.2218% | 1,902 |
| Cash dividends to net income (ytd only)* | 58.7217% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7455% | 3,122 |
| Loan loss allowance to noncurrent loans | 3,511.1111% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 6,987 |
| Noncurrent loans to loans | 0.0497% | 6,812 |
| Net loans and leases to total assets | 56.7744% | 4,722 |
| Net loans and leases to deposits | 69.3516% | 4,411 |
| Net loans and leases to core deposits | 75.2294% | 4,294 |
| Total domestic deposits to total assets | 81.8646% | 5,144 |
| Equity capital to assets | 11.1647% | 2,991 |
| Core capital (leverage) ratio | 9.9536% | 3,500 |
| Tier 1 risk-based capital ratio | 14.1847% | 4,214 |
| Total risk-based capital ratio | 15.4348% | 4,181 |
| Memoranda: | ||
| Average total assets | $31,360,250 | 7,002 |
| Average earning assets | $29,409,750 | 6,950 |
| Average equity | $3,139,000 | 7,039 |
| Average total loans | $17,801,250 | 6,831 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8511% | 649 |
| Cost of funding earning assets | 1.2325% | 2,366 |
| Net interest margin | 4.6186% | 879 |
| Noninterest income to average assets | 0.3379% | 5,183 |
| Noninterest expense to average assets | 2.0657% | 6,662 |
| Loan and lease loss provision to assets | 0.1466% | 4,475 |
| Net operating income to assets | 2.4610% | 177 |
| Return on assets (ROA) | 2.4673% | 179 |
| Pretax return on assets | 2.4801% | 255 |
| Return on Equity (ROE) | 25.6348% | 120 |
| Retained earnings to average equity (ytd only) | 9.7373% | 909 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0816% | 7,230 |
| Assets per employee ($millions) | 5.3733% | 1,688 |
| Cash dividends to net income (ytd only)* | 62.0155% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7640% | 3,107 |
| Loan loss allowance to noncurrent loans | 4,185.7143% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 7,054 |
| Noncurrent loans to loans | 0.0421% | 6,876 |
| Net loans and leases to total assets | 50.6110% | 5,738 |
| Net loans and leases to deposits | 62.1174% | 5,489 |
| Net loans and leases to core deposits | 63.9331% | 5,729 |
| Total domestic deposits to total assets | 81.4764% | 5,358 |
| Equity capital to assets | 10.1892% | 3,885 |
| Core capital (leverage) ratio | 9.4067% | 4,100 |
| Tier 1 risk-based capital ratio | 14.5756% | 3,741 |
| Total risk-based capital ratio | 15.8269% | 3,712 |
| Memoranda: | ||
| Average total assets | $31,370,000 | 7,063 |
| Average earning assets | $29,532,670 | 7,013 |
| Average equity | $3,019,330 | 7,120 |
| Average total loans | $17,700,330 | 6,903 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7879% | 141 |
| Cost of funding earning assets | 1.2479% | 2,517 |
| Net interest margin | 5.5400% | 152 |
| Noninterest income to average assets | 0.4138% | 4,592 |
| Noninterest expense to average assets | 2.0559% | 6,728 |
| Loan and lease loss provision to assets | 0.0129% | 5,753 |
| Net operating income to assets | 3.5558% | 90 |
| Return on assets (ROA) | 3.5688% | 92 |
| Pretax return on assets | 3.5817% | 123 |
| Return on Equity (ROE) | 38.2470% | 48 |
| Retained earnings to average equity (ytd only) | 29.9324% | 55 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4679% | 7,436 |
| Assets per employee ($millions) | 5.3905% | 1,673 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 4,380 |
| Loan loss allowance to noncurrent loans | 3,857.1429% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 7,127 |
| Noncurrent loans to loans | 0.0379% | 6,955 |
| Net loans and leases to total assets | 56.2347% | 4,959 |
| Net loans and leases to deposits | 68.2963% | 4,633 |
| Net loans and leases to core deposits | 70.2619% | 5,016 |
| Total domestic deposits to total assets | 82.3393% | 5,173 |
| Equity capital to assets | 9.3560% | 4,642 |
| Core capital (leverage) ratio | 9.7590% | 3,434 |
| Tier 1 risk-based capital ratio | 13.8442% | 4,182 |
| Total risk-based capital ratio | 15.0554% | 4,189 |
| Memoranda: | ||
| Average total assets | $30,935,000 | 7,126 |
| Average earning assets | $29,169,500 | 7,075 |
| Average equity | $2,886,500 | 7,202 |
| Average total loans | $18,245,500 | 6,927 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6776% | 1,649 |
| Cost of funding earning assets | 1.5673% | 2,262 |
| Net interest margin | 4.1104% | 2,519 |
| Noninterest income to average assets | 0.2942% | 5,679 |
| Noninterest expense to average assets | 2.5957% | 5,436 |
| Loan and lease loss provision to assets | 0.1142% | 6,020 |
| Net operating income to assets | 1.4253% | 895 |
| Return on assets (ROA) | 1.7097% | 546 |
| Pretax return on assets | 1.7201% | 905 |
| Return on Equity (ROE) | 17.3895% | 442 |
| Retained earnings to average equity (ytd only) | 7.5331% | 1,136 |
| Net charge-offs to loans | 0.5103% | 3,575 |
| Credit loss provision to net charge-offs | 34.3750% | 6,457 |
| Earnings coverage of net charge-offs (x) | 4.6563% | 2,850 |
| Efficiency ratio | 62.6566% | 5,593 |
| Assets per employee ($millions) | 4.9212% | 2,257 |
| Cash dividends to net income (ytd only)* | 56.6802% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 4,032 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 7,202 |
| Noncurrent loans to loans | 0.0277% | 7,068 |
| Net loans and leases to total assets | 60.1585% | 4,652 |
| Net loans and leases to deposits | 74.2693% | 4,149 |
| Net loans and leases to core deposits | 78.3236% | 4,418 |
| Total domestic deposits to total assets | 81.0004% | 5,522 |
| Equity capital to assets | 9.3033% | 4,685 |
| Core capital (leverage) ratio | 9.6435% | 3,495 |
| Tier 1 risk-based capital ratio | 13.2478% | 4,412 |
| Total risk-based capital ratio | 14.4941% | 4,370 |
| Memoranda: | ||
| Average total assets | $28,893,600 | 7,244 |
| Average earning assets | $27,053,600 | 7,193 |
| Average equity | $2,840,800 | 7,317 |
| Average total loans | $18,811,000 | 6,987 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7131% | 1,678 |
| Cost of funding earning assets | 1.6330% | 2,194 |
| Net interest margin | 4.0801% | 2,710 |
| Noninterest income to average assets | 0.3062% | 5,706 |
| Noninterest expense to average assets | 2.5334% | 5,591 |
| Loan and lease loss provision to assets | 0.0881% | 6,167 |
| Net operating income to assets | 1.4925% | 938 |
| Return on assets (ROA) | 1.7957% | 558 |
| Pretax return on assets | 1.8050% | 917 |
| Return on Equity (ROE) | 18.0148% | 480 |
| Retained earnings to average equity (ytd only) | 12.4287% | 411 |
| Net charge-offs to loans | 0.5191% | 3,219 |
| Credit loss provision to net charge-offs | 25.6757% | 6,198 |
| Earnings coverage of net charge-offs (x) | 4.6218% | 2,971 |
| Efficiency ratio | 61.4865% | 5,707 |
| Assets per employee ($millions) | 4.8535% | 2,385 |
| Cash dividends to net income (ytd only)* | 31.0084% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 3,707 |
| Loan loss allowance to noncurrent loans | 2,138.4615% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 7,235 |
| Noncurrent loans to loans | 0.0728% | 7,064 |
| Net loans and leases to total assets | 60.3448% | 4,844 |
| Net loans and leases to deposits | 75.7849% | 4,216 |
| Net loans and leases to core deposits | 80.0556% | 4,511 |
| Total domestic deposits to total assets | 79.6264% | 5,827 |
| Equity capital to assets | 10.7895% | 3,179 |
| Core capital (leverage) ratio | 9.8846% | 3,378 |
| Tier 1 risk-based capital ratio | 13.3054% | 4,351 |
| Total risk-based capital ratio | 14.5576% | 4,316 |
| Memoranda: | ||
| Average total assets | $28,735,250 | 7,342 |
| Average earning assets | $26,861,500 | 7,284 |
| Average equity | $2,864,250 | 7,410 |
| Average total loans | $19,005,500 | 7,071 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3758% | 3,077 |
| Cost of funding earning assets | 1.6720% | 2,278 |
| Net interest margin | 3.7038% | 4,346 |
| Noninterest income to average assets | 0.3146% | 5,642 |
| Noninterest expense to average assets | 2.5099% | 5,686 |
| Loan and lease loss provision to assets | 0.0629% | 6,320 |
| Net operating income to assets | 1.1851% | 1,595 |
| Return on assets (ROA) | 1.5381% | 889 |
| Pretax return on assets | 1.5521% | 1,427 |
| Return on Equity (ROE) | 15.8749% | 716 |
| Retained earnings to average equity (ytd only) | 11.5454% | 560 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6048% | 4,863 |
| Assets per employee ($millions) | 4.9013% | 2,299 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 3,086 |
| Loan loss allowance to noncurrent loans | 207.9268% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 6,077 |
| Noncurrent loans to loans | 0.8171% | 5,642 |
| Net loans and leases to total assets | 67.0906% | 3,598 |
| Net loans and leases to deposits | 82.7635% | 3,126 |
| Net loans and leases to core deposits | 87.2893% | 3,649 |
| Total domestic deposits to total assets | 81.0630% | 5,381 |
| Equity capital to assets | 9.8341% | 4,224 |
| Core capital (leverage) ratio | 9.6218% | 3,653 |
| Tier 1 risk-based capital ratio | 12.0700% | 5,250 |
| Total risk-based capital ratio | 13.3225% | 5,217 |
| Memoranda: | ||
| Average total assets | $28,606,670 | 7,399 |
| Average earning assets | $26,675,330 | 7,351 |
| Average equity | $2,771,670 | 7,485 |
| Average total loans | $19,390,330 | 7,102 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3684% | 3,199 |
| Cost of funding earning assets | 1.6729% | 2,524 |
| Net interest margin | 3.6955% | 4,267 |
| Noninterest income to average assets | 0.3404% | 5,420 |
| Noninterest expense to average assets | 2.6377% | 5,196 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1382% | 1,714 |
| Return on assets (ROA) | 1.5032% | 957 |
| Pretax return on assets | 1.5174% | 1,474 |
| Return on Equity (ROE) | 15.6371% | 776 |
| Retained earnings to average equity (ytd only) | 6.7859% | 2,227 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6629% | 4,381 |
| Assets per employee ($millions) | 4.7058% | 2,639 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7535% | 2,888 |
| Loan loss allowance to noncurrent loans | 2,553.8462% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 7,374 |
| Noncurrent loans to loans | 0.0687% | 7,221 |
| Net loans and leases to total assets | 65.8828% | 3,883 |
| Net loans and leases to deposits | 83.2863% | 3,066 |
| Net loans and leases to core deposits | 87.1206% | 3,731 |
| Total domestic deposits to total assets | 79.1039% | 6,050 |
| Equity capital to assets | 9.6547% | 4,299 |
| Core capital (leverage) ratio | 9.4301% | 3,878 |
| Tier 1 risk-based capital ratio | 12.2174% | 4,975 |
| Total risk-based capital ratio | 13.4699% | 4,948 |
| Memoranda: | ||
| Average total assets | $28,206,000 | 7,502 |
| Average earning assets | $26,302,000 | 7,453 |
| Average equity | $2,711,500 | 7,578 |
| Average total loans | $19,050,000 | 7,212 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4667% | 4,351 |
| Cost of funding earning assets | 1.9876% | 3,017 |
| Net interest margin | 3.4792% | 5,044 |
| Noninterest income to average assets | 0.3338% | 5,705 |
| Noninterest expense to average assets | 2.5052% | 6,107 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0480% | 1,673 |
| Return on assets (ROA) | 1.1911% | 1,317 |
| Pretax return on assets | 1.2298% | 1,869 |
| Return on Equity (ROE) | 12.4121% | 1,072 |
| Retained earnings to average equity (ytd only) | 2.1602% | 3,591 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8335% | 4,661 |
| Assets per employee ($millions) | 4.6962% | 2,617 |
| Cash dividends to net income (ytd only)* | 82.5959% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7322% | 2,779 |
| Loan loss allowance to noncurrent loans | 873.6842% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 7,143 |
| Noncurrent loans to loans | 0.1983% | 6,928 |
| Net loans and leases to total assets | 66.8418% | 3,963 |
| Net loans and leases to deposits | 84.3968% | 3,196 |
| Net loans and leases to core deposits | 96.7136% | 4,382 |
| Total domestic deposits to total assets | 79.1993% | 5,933 |
| Equity capital to assets | 9.5716% | 4,320 |
| Core capital (leverage) ratio | 9.2982% | 3,978 |
| Tier 1 risk-based capital ratio | 12.0386% | 4,918 |
| Total risk-based capital ratio | 13.2901% | 4,871 |
| Memoranda: | ||
| Average total assets | $28,461,000 | 7,524 |
| Average earning assets | $26,615,600 | 7,476 |
| Average equity | $2,731,200 | 7,665 |
| Average total loans | $18,566,000 | 7,282 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 4,794 |
| Cost of funding earning assets | 2.0374% | 3,171 |
| Net interest margin | 3.3923% | 5,302 |
| Noninterest income to average assets | 0.3458% | 5,735 |
| Noninterest expense to average assets | 2.3038% | 6,695 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2196% | 1,419 |
| Return on assets (ROA) | 1.3552% | 1,171 |
| Pretax return on assets | 1.3598% | 1,800 |
| Return on Equity (ROE) | 14.1130% | 904 |
| Retained earnings to average equity (ytd only) | 5.3530% | 2,280 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2980% | 5,502 |
| Assets per employee ($millions) | 4.6847% | 2,585 |
| Cash dividends to net income (ytd only)* | 62.0674% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 2,608 |
| 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 | 68.0874% | 3,937 |
| Net loans and leases to deposits | 86.5385% | 3,217 |
| Net loans and leases to core deposits | 99.2583% | 4,455 |
| Total domestic deposits to total assets | 78.6787% | 5,901 |
| Equity capital to assets | 10.0719% | 3,998 |
| Core capital (leverage) ratio | 9.5859% | 3,804 |
| Tier 1 risk-based capital ratio | 11.7688% | 5,177 |
| Total risk-based capital ratio | 13.0214% | 5,120 |
| Memoranda: | ||
| Average total assets | $28,532,000 | 7,588 |
| Average earning assets | $26,765,750 | 7,540 |
| Average equity | $2,739,750 | 7,735 |
| Average total loans | $18,416,000 | 7,359 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3767% | 5,267 |
| Cost of funding earning assets | 2.0571% | 3,490 |
| Net interest margin | 3.3196% | 5,475 |
| Noninterest income to average assets | 0.2930% | 6,165 |
| Noninterest expense to average assets | 2.3088% | 6,735 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1021% | 1,765 |
| Return on assets (ROA) | 1.1579% | 1,669 |
| Pretax return on assets | 1.1579% | 2,435 |
| Return on Equity (ROE) | 12.2540% | 1,346 |
| Retained earnings to average equity (ytd only) | 3.3957% | 3,436 |
| Net charge-offs to loans | -0.0111% | 7,620 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6892% | 5,210 |
| Assets per employee ($millions) | 4.7447% | 2,405 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7898% | 2,076 |
| 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 | 64.1843% | 4,943 |
| Net loans and leases to deposits | 80.7852% | 4,425 |
| Net loans and leases to core deposits | 90.9326% | 5,458 |
| Total domestic deposits to total assets | 79.4506% | 5,672 |
| Equity capital to assets | 9.2384% | 4,952 |
| Core capital (leverage) ratio | 9.1526% | 4,380 |
| Tier 1 risk-based capital ratio | 11.6758% | 5,220 |
| Total risk-based capital ratio | 12.9265% | 5,151 |
| Memoranda: | ||
| Average total assets | $28,673,330 | 7,654 |
| Average earning assets | $26,931,000 | 7,599 |
| Average equity | $2,709,330 | 7,816 |
| Average total loans | $18,064,670 | 7,439 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4227% | 5,303 |
| Cost of funding earning assets | 2.0799% | 3,738 |
| Net interest margin | 3.3427% | 5,354 |
| Noninterest income to average assets | 0.2780% | 6,198 |
| Noninterest expense to average assets | 2.2241% | 6,789 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1815% | 1,709 |
| Return on assets (ROA) | 1.1815% | 1,818 |
| Pretax return on assets | 1.1815% | 2,680 |
| Return on Equity (ROE) | 12.3681% | 1,551 |
| Retained earnings to average equity (ytd only) | 3.6377% | 3,874 |
| Net charge-offs to loans | -0.0225% | 7,467 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3061% | 5,448 |
| Assets per employee ($millions) | 4.8325% | 2,262 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8667% | 1,695 |
| 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 | 60.3759% | 5,594 |
| Net loans and leases to deposits | 75.6133% | 5,274 |
| Net loans and leases to core deposits | 84.8323% | 5,990 |
| Total domestic deposits to total assets | 79.8482% | 5,420 |
| Equity capital to assets | 9.2568% | 5,000 |
| Core capital (leverage) ratio | 9.3291% | 4,201 |
| Tier 1 risk-based capital ratio | 11.9719% | 4,985 |
| Total risk-based capital ratio | 13.2234% | 4,878 |
| Memoranda: | ||
| Average total assets | $28,776,000 | 7,702 |
| Average earning assets | $26,924,000 | 7,642 |
| Average equity | $2,749,000 | 7,856 |
| Average total loans | $17,794,500 | 7,493 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1278% | 4,910 |
| Cost of funding earning assets | 2.4480% | 4,482 |
| Net interest margin | 3.6798% | 4,550 |
| Noninterest income to average assets | 0.3207% | 6,163 |
| Noninterest expense to average assets | 2.6056% | 5,629 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1554% | 1,922 |
| Return on assets (ROA) | 1.1771% | 1,780 |
| Pretax return on assets | 1.1880% | 2,688 |
| Return on Equity (ROE) | 12.3424% | 1,498 |
| Retained earnings to average equity (ytd only) | 3.1716% | 3,178 |
| Net charge-offs to loans | 0.0982% | 5,341 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 17.7778% | 1,747 |
| Efficiency ratio | 69.0821% | 4,513 |
| Assets per employee ($millions) | 4.7595% | 2,224 |
| Cash dividends to net income (ytd only)* | 74.3034% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 1,484 |
| Loan loss allowance to noncurrent loans | 948.5714% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 7,090 |
| Noncurrent loans to loans | 0.1972% | 6,799 |
| Net loans and leases to total assets | 60.9938% | 5,771 |
| Net loans and leases to deposits | 77.0981% | 5,457 |
| Net loans and leases to core deposits | 86.8858% | 6,067 |
| Total domestic deposits to total assets | 79.1120% | 5,334 |
| Equity capital to assets | 9.8540% | 4,216 |
| Core capital (leverage) ratio | 9.2791% | 4,324 |
| Tier 1 risk-based capital ratio | 12.3144% | 4,577 |
| Total risk-based capital ratio | 13.5667% | 4,456 |
| Memoranda: | ||
| Average total assets | $27,441,000 | 7,751 |
| Average earning assets | $25,735,200 | 7,706 |
| Average equity | $2,617,000 | 7,946 |
| Average total loans | $18,322,000 | 7,442 |