Home > The State Bank of Oskaloosa > Performance and Condition Ratios
The State Bank of Oskaloosa, 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 | 2.2767% | 6,223 |
| Cost of funding earning assets | 0.1830% | 5,592 |
| Net interest margin | 2.0937% | 6,176 |
| Noninterest income to average assets | 0.7874% | 1,836 |
| Noninterest expense to average assets | 2.7046% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0411% | 5,947 |
| Return on assets (ROA) | 0.0411% | 5,990 |
| Pretax return on assets | 0.0411% | 5,984 |
| Return on Equity (ROE) | 0.5072% | 5,964 |
| Retained earnings to average equity (ytd only) | 0.5072% | 5,350 |
| Net charge-offs to loans | -0.0275% | 5,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5037% | 364 |
| Assets per employee ($millions) | 3.2873% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 4,273 |
| Loan loss allowance to noncurrent loans | 153.8462% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 5,166 |
| Noncurrent loans to loans | 0.7212% | 3,322 |
| Net loans and leases to total assets | 24.0992% | 6,158 |
| Net loans and leases to deposits | 26.2412% | 6,194 |
| Net loans and leases to core deposits | 27.1309% | 6,191 |
| Total domestic deposits to total assets | 91.8374% | 141 |
| Equity capital to assets | 8.0038% | 5,981 |
| Core capital (leverage) ratio | 8.0119% | 5,924 |
| Tier 1 risk-based capital ratio | 42.9608% | 219 |
| Total risk-based capital ratio | 44.1945% | 217 |
| Memoranda: | ||
| Average total assets | $29,209,000 | 6,120 |
| Average earning assets | $27,320,330 | 6,091 |
| Average equity | $2,366,000 | 6,219 |
| Average total loans | $7,266,670 | 6,233 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3203% | 6,280 |
| Cost of funding earning assets | 0.1773% | 5,699 |
| Net interest margin | 2.1429% | 6,231 |
| Noninterest income to average assets | 0.7857% | 1,762 |
| Noninterest expense to average assets | 2.7015% | 3,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0827% | 5,906 |
| Return on assets (ROA) | 0.0827% | 5,959 |
| Pretax return on assets | 0.0827% | 5,967 |
| Return on Equity (ROE) | 1.0148% | 5,908 |
| Retained earnings to average equity (ytd only) | 1.0148% | 5,066 |
| Net charge-offs to loans | -0.0548% | 5,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0297% | 465 |
| Assets per employee ($millions) | 2.9076% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 4,492 |
| Loan loss allowance to noncurrent loans | 153.8462% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 3,769 |
| Noncurrent loans to loans | 0.7180% | 3,470 |
| Net loans and leases to total assets | 24.6320% | 6,201 |
| Net loans and leases to deposits | 26.8451% | 6,238 |
| Net loans and leases to core deposits | 27.7748% | 6,237 |
| Total domestic deposits to total assets | 91.7561% | 182 |
| Equity capital to assets | 8.1442% | 5,969 |
| Core capital (leverage) ratio | 7.9976% | 5,949 |
| Tier 1 risk-based capital ratio | 42.0455% | 233 |
| Total risk-based capital ratio | 43.2884% | 228 |
| Memoranda: | ||
| Average total assets | $29,020,500 | 6,187 |
| Average earning assets | $27,065,500 | 6,160 |
| Average equity | $2,365,000 | 6,280 |
| Average total loans | $7,295,000 | 6,303 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3451% | 6,367 |
| Cost of funding earning assets | 0.1979% | 5,765 |
| Net interest margin | 2.1472% | 6,329 |
| Noninterest income to average assets | 0.8117% | 1,824 |
| Noninterest expense to average assets | 2.7915% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0459% | 6,028 |
| Return on assets (ROA) | 0.0459% | 6,054 |
| Pretax return on assets | 0.0494% | 6,045 |
| Return on Equity (ROE) | 0.5518% | 6,030 |
| Retained earnings to average equity (ytd only) | 0.5518% | 5,524 |
| Net charge-offs to loans | 0.0813% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 4,182 |
| Efficiency ratio | 98.2609% | 417 |
| Assets per employee ($millions) | 2.8965% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 4,667 |
| Loan loss allowance to noncurrent loans | 151.9231% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 3,880 |
| Noncurrent loans to loans | 0.7077% | 3,556 |
| Net loans and leases to total assets | 25.0958% | 6,297 |
| Net loans and leases to deposits | 27.3394% | 6,327 |
| Net loans and leases to core deposits | 28.2907% | 6,329 |
| Total domestic deposits to total assets | 91.7935% | 177 |
| Equity capital to assets | 8.1547% | 5,985 |
| Core capital (leverage) ratio | 8.1903% | 5,859 |
| Tier 1 risk-based capital ratio | 40.1769% | 236 |
| Total risk-based capital ratio | 41.4356% | 233 |
| Memoranda: | ||
| Average total assets | $28,335,800 | 6,283 |
| Average earning assets | $26,779,600 | 6,248 |
| Average equity | $2,355,800 | 6,368 |
| Average total loans | $7,383,600 | 6,385 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3298% | 6,452 |
| Cost of funding earning assets | 0.1991% | 5,839 |
| Net interest margin | 2.1307% | 6,415 |
| Noninterest income to average assets | 0.8044% | 1,879 |
| Noninterest expense to average assets | 2.7822% | 3,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0426% | 6,097 |
| Return on assets (ROA) | 0.0426% | 6,122 |
| Pretax return on assets | 0.0473% | 6,114 |
| Return on Equity (ROE) | 0.5097% | 6,101 |
| Retained earnings to average equity (ytd only) | 0.5097% | 5,665 |
| Net charge-offs to loans | 0.1262% | 2,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.4287% | 4,157 |
| Efficiency ratio | 98.3278% | 423 |
| Assets per employee ($millions) | 2.7993% | 5,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 4,941 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5930% | 4,067 |
| Noncurrent loans to loans | 0.7070% | 3,843 |
| Net loans and leases to total assets | 25.9958% | 6,358 |
| Net loans and leases to deposits | 28.4169% | 6,389 |
| Net loans and leases to core deposits | 29.4508% | 6,394 |
| Total domestic deposits to total assets | 91.4800% | 239 |
| Equity capital to assets | 8.4235% | 5,861 |
| Core capital (leverage) ratio | 8.3404% | 5,813 |
| Tier 1 risk-based capital ratio | 41.7715% | 213 |
| Total risk-based capital ratio | 43.0292% | 210 |
| Memoranda: | ||
| Average total assets | $28,178,500 | 6,362 |
| Average earning assets | $26,782,250 | 6,321 |
| Average equity | $2,354,250 | 6,440 |
| Average total loans | $7,392,500 | 6,461 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3223% | 6,522 |
| Cost of funding earning assets | 0.2016% | 5,899 |
| Net interest margin | 2.1207% | 6,487 |
| Noninterest income to average assets | 0.7861% | 1,894 |
| Noninterest expense to average assets | 2.7408% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0567% | 6,124 |
| Return on assets (ROA) | 0.0567% | 6,148 |
| Pretax return on assets | 0.0567% | 6,141 |
| Return on Equity (ROE) | 0.6800% | 6,110 |
| Retained earnings to average equity (ytd only) | 0.6800% | 5,466 |
| Net charge-offs to loans | 0.2431% | 1,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.8889% | 3,947 |
| Efficiency ratio | 97.9747% | 467 |
| Assets per employee ($millions) | 2.8314% | 5,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 5,175 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 4,226 |
| Noncurrent loans to loans | 0.7087% | 3,936 |
| Net loans and leases to total assets | 25.6446% | 6,423 |
| Net loans and leases to deposits | 28.3312% | 6,455 |
| Net loans and leases to core deposits | 29.3635% | 6,457 |
| Total domestic deposits to total assets | 90.5171% | 584 |
| Equity capital to assets | 8.3245% | 5,935 |
| Core capital (leverage) ratio | 8.1681% | 5,961 |
| Tier 1 risk-based capital ratio | 42.1721% | 205 |
| Total risk-based capital ratio | 43.4246% | 202 |
| Memoranda: | ||
| Average total assets | $28,240,330 | 6,420 |
| Average earning assets | $26,784,000 | 6,383 |
| Average equity | $2,353,000 | 6,497 |
| Average total loans | $7,405,000 | 6,524 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3205% | 6,592 |
| Cost of funding earning assets | 0.1959% | 6,034 |
| Net interest margin | 2.1246% | 6,556 |
| Noninterest income to average assets | 0.7942% | 1,779 |
| Noninterest expense to average assets | 2.7372% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0567% | 6,113 |
| Return on assets (ROA) | 0.0567% | 6,135 |
| Pretax return on assets | 0.0567% | 6,146 |
| Return on Equity (ROE) | 0.6806% | 6,106 |
| Retained earnings to average equity (ytd only) | 0.6806% | 5,321 |
| Net charge-offs to loans | 0.3764% | 961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.5714% | 3,317 |
| Efficiency ratio | 97.9695% | 547 |
| Assets per employee ($millions) | 2.9187% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 5,270 |
| Loan loss allowance to noncurrent loans | 139.2857% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 4,401 |
| Noncurrent loans to loans | 0.7645% | 3,956 |
| Net loans and leases to total assets | 24.8295% | 6,490 |
| Net loans and leases to deposits | 27.0269% | 6,528 |
| Net loans and leases to core deposits | 27.9677% | 6,529 |
| Total domestic deposits to total assets | 91.8697% | 282 |
| Equity capital to assets | 8.0618% | 6,009 |
| Core capital (leverage) ratio | 8.0873% | 6,050 |
| Tier 1 risk-based capital ratio | 41.0145% | 218 |
| Total risk-based capital ratio | 42.2695% | 216 |
| Memoranda: | ||
| Average total assets | $28,203,500 | 6,489 |
| Average earning assets | $26,546,000 | 6,454 |
| Average equity | $2,351,000 | 6,561 |
| Average total loans | $7,439,000 | 6,591 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5152% | 6,610 |
| Cost of funding earning assets | 0.2424% | 6,017 |
| Net interest margin | 2.2728% | 6,540 |
| Noninterest income to average assets | 0.7486% | 2,296 |
| Noninterest expense to average assets | 2.9251% | 3,295 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0146% | 6,188 |
| Return on assets (ROA) | 0.0146% | 6,230 |
| Pretax return on assets | 0.0146% | 6,210 |
| Return on Equity (ROE) | 0.1701% | 6,222 |
| Retained earnings to average equity (ytd only) | 0.1701% | 5,772 |
| Net charge-offs to loans | -0.0525% | 6,346 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5031% | 494 |
| Assets per employee ($millions) | 2.7220% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,026 |
| Loan loss allowance to noncurrent loans | 151.7857% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 4,364 |
| Noncurrent loans to loans | 0.7414% | 4,105 |
| Net loans and leases to total assets | 27.4357% | 6,535 |
| Net loans and leases to deposits | 30.0354% | 6,580 |
| Net loans and leases to core deposits | 31.1686% | 6,580 |
| Total domestic deposits to total assets | 91.3446% | 456 |
| Equity capital to assets | 8.6297% | 5,451 |
| Core capital (leverage) ratio | 8.4100% | 5,766 |
| Tier 1 risk-based capital ratio | 40.4094% | 225 |
| Total risk-based capital ratio | 41.6652% | 221 |
| Memoranda: | ||
| Average total assets | $27,384,000 | 6,577 |
| Average earning assets | $26,399,000 | 6,521 |
| Average equity | $2,351,000 | 6,648 |
| Average total loans | $7,626,000 | 6,664 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5021% | 6,694 |
| Cost of funding earning assets | 0.2462% | 6,113 |
| Net interest margin | 2.2559% | 6,611 |
| Noninterest income to average assets | 0.7487% | 2,371 |
| Noninterest expense to average assets | 2.9024% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0292% | 6,258 |
| Return on assets (ROA) | 0.0292% | 6,313 |
| Pretax return on assets | 0.0292% | 6,290 |
| Return on Equity (ROE) | 0.3402% | 6,298 |
| Retained earnings to average equity (ytd only) | 0.3402% | 5,830 |
| Net charge-offs to loans | -0.1396% | 6,577 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0050% | 497 |
| Assets per employee ($millions) | 2.6600% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 5,015 |
| Loan loss allowance to noncurrent loans | 145.9016% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 4,464 |
| Noncurrent loans to loans | 0.8023% | 4,234 |
| Net loans and leases to total assets | 28.2481% | 6,589 |
| Net loans and leases to deposits | 31.0676% | 6,642 |
| Net loans and leases to core deposits | 32.3698% | 6,640 |
| Total domestic deposits to total assets | 90.9248% | 567 |
| Equity capital to assets | 8.8383% | 5,371 |
| Core capital (leverage) ratio | 8.5513% | 5,721 |
| Tier 1 risk-based capital ratio | 27.4425% | 673 |
| Total risk-based capital ratio | 28.4814% | 671 |
| Memoranda: | ||
| Average total assets | $27,425,000 | 6,651 |
| Average earning assets | $26,537,000 | 6,593 |
| Average equity | $2,351,500 | 6,723 |
| Average total loans | $7,644,250 | 6,739 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4696% | 6,744 |
| Cost of funding earning assets | 0.2537% | 6,148 |
| Net interest margin | 2.2159% | 6,674 |
| Noninterest income to average assets | 0.7581% | 2,376 |
| Noninterest expense to average assets | 2.8303% | 3,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0722% | 6,196 |
| Return on assets (ROA) | 0.0722% | 6,277 |
| Pretax return on assets | 0.0722% | 6,271 |
| Return on Equity (ROE) | 0.8505% | 6,242 |
| Retained earnings to average equity (ytd only) | 0.8505% | 5,559 |
| Net charge-offs to loans | -0.1828% | 6,639 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5124% | 591 |
| Assets per employee ($millions) | 2.8222% | 6,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 5,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 4,812 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 26.6140% | 6,672 |
| Net loans and leases to deposits | 29.1056% | 6,718 |
| Net loans and leases to core deposits | 30.2485% | 6,718 |
| Total domestic deposits to total assets | 91.4393% | 402 |
| Equity capital to assets | 8.3552% | 5,916 |
| Core capital (leverage) ratio | 8.2815% | 5,904 |
| Tier 1 risk-based capital ratio | 26.3434% | 743 |
| Total risk-based capital ratio | 27.2930% | 753 |
| Memoranda: | ||
| Average total assets | $27,700,000 | 6,699 |
| Average earning assets | $26,806,000 | 6,634 |
| Average equity | $2,351,670 | 6,773 |
| Average total loans | $7,658,000 | 6,784 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4887% | 6,813 |
| Cost of funding earning assets | 0.2564% | 6,244 |
| Net interest margin | 2.2323% | 6,738 |
| Noninterest income to average assets | 0.7872% | 2,177 |
| Noninterest expense to average assets | 2.8864% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0583% | 6,233 |
| Return on assets (ROA) | 0.0583% | 6,319 |
| Pretax return on assets | 0.0583% | 6,327 |
| Return on Equity (ROE) | 0.6813% | 6,284 |
| Retained earnings to average equity (ytd only) | 0.6813% | 5,551 |
| Net charge-offs to loans | -0.2601% | 6,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0198% | 632 |
| Assets per employee ($millions) | 2.8379% | 6,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 5,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 4,963 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 26.7099% | 6,708 |
| Net loans and leases to deposits | 29.1595% | 6,765 |
| Net loans and leases to core deposits | 30.2970% | 6,757 |
| Total domestic deposits to total assets | 91.5994% | 327 |
| Equity capital to assets | 8.2878% | 6,195 |
| Core capital (leverage) ratio | 8.2846% | 5,844 |
| Tier 1 risk-based capital ratio | 26.1799% | 769 |
| Total risk-based capital ratio | 27.1037% | 790 |
| Memoranda: | ||
| Average total assets | $27,439,000 | 6,769 |
| Average earning assets | $26,519,500 | 6,709 |
| Average equity | $2,348,500 | 6,841 |
| Average total loans | $7,689,000 | 6,856 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5551% | 6,916 |
| Cost of funding earning assets | 0.3250% | 6,335 |
| Net interest margin | 2.2301% | 6,870 |
| Noninterest income to average assets | 0.8070% | 2,237 |
| Noninterest expense to average assets | 2.9289% | 3,536 |
| Loan and lease loss provision to assets | 0.0036% | 5,880 |
| Net operating income to assets | 0.0252% | 6,129 |
| Return on assets (ROA) | 0.0252% | 6,273 |
| Pretax return on assets | 0.0252% | 6,253 |
| Return on Equity (ROE) | 0.2942% | 6,265 |
| Retained earnings to average equity (ytd only) | -2.2276% | 6,190 |
| Net charge-offs to loans | 0.1278% | 4,404 |
| Credit loss provision to net charge-offs | 10.0000% | 5,397 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 5,073 |
| Efficiency ratio | 99.0256% | 594 |
| Assets per employee ($millions) | 2.6499% | 6,481 |
| Cash dividends to net income (ytd only)* | 857.1429% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 5,762 |
| Loan loss allowance to noncurrent loans | 506.2500% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 4,801 |
| Noncurrent loans to loans | 0.2074% | 5,956 |
| Net loans and leases to total assets | 28.8086% | 6,742 |
| Net loans and leases to deposits | 31.6252% | 6,796 |
| Net loans and leases to core deposits | 32.0608% | 6,809 |
| Total domestic deposits to total assets | 91.0940% | 466 |
| Equity capital to assets | 8.8494% | 5,687 |
| Core capital (leverage) ratio | 8.1237% | 6,065 |
| Tier 1 risk-based capital ratio | 27.1979% | 675 |
| Total risk-based capital ratio | 28.1373% | 692 |
| Memoranda: | ||
| Average total assets | $27,757,600 | 6,808 |
| Average earning assets | $26,770,000 | 6,743 |
| Average equity | $2,379,200 | 6,905 |
| Average total loans | $7,822,200 | 6,923 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5408% | 7,038 |
| Cost of funding earning assets | 0.3348% | 6,442 |
| Net interest margin | 2.2060% | 6,988 |
| Noninterest income to average assets | 0.8549% | 2,004 |
| Noninterest expense to average assets | 2.9115% | 3,547 |
| Loan and lease loss provision to assets | 0.0047% | 5,749 |
| Net operating income to assets | 0.0665% | 6,182 |
| Return on assets (ROA) | 0.0665% | 6,322 |
| Pretax return on assets | 0.0665% | 6,314 |
| Return on Equity (ROE) | 0.7819% | 6,287 |
| Retained earnings to average equity (ytd only) | -1.7309% | 6,363 |
| Net charge-offs to loans | 0.1698% | 3,749 |
| Credit loss provision to net charge-offs | 10.0000% | 5,078 |
| Earnings coverage of net charge-offs (x) | 1.5004% | 4,538 |
| Efficiency ratio | 97.6115% | 618 |
| Assets per employee ($millions) | 2.6846% | 6,509 |
| Cash dividends to net income (ytd only)* | 321.3712% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 5,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 5,166 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 28.5704% | 6,861 |
| Net loans and leases to deposits | 31.4048% | 6,924 |
| Net loans and leases to core deposits | 31.8389% | 6,939 |
| Total domestic deposits to total assets | 90.9744% | 416 |
| Equity capital to assets | 8.8170% | 6,008 |
| Core capital (leverage) ratio | 8.8831% | 5,214 |
| Tier 1 risk-based capital ratio | 26.0683% | 815 |
| Total risk-based capital ratio | 26.9604% | 835 |
| Memoranda: | ||
| Average total assets | $28,072,250 | 6,890 |
| Average earning assets | $27,077,000 | 6,822 |
| Average equity | $2,387,750 | 6,996 |
| Average total loans | $7,849,000 | 7,014 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5163% | 7,118 |
| Cost of funding earning assets | 0.3418% | 6,549 |
| Net interest margin | 2.1745% | 7,053 |
| Noninterest income to average assets | 0.8497% | 1,966 |
| Noninterest expense to average assets | 2.8370% | 3,879 |
| Loan and lease loss provision to assets | 0.0070% | 5,567 |
| Net operating income to assets | 0.1053% | 6,140 |
| Return on assets (ROA) | 0.1053% | 6,303 |
| Pretax return on assets | 0.1053% | 6,316 |
| Return on Equity (ROE) | 1.2528% | 6,250 |
| Retained earnings to average equity (ytd only) | -1.2528% | 6,247 |
| Net charge-offs to loans | 0.2538% | 3,059 |
| Credit loss provision to net charge-offs | 10.0000% | 4,739 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 4,197 |
| Efficiency ratio | 96.1905% | 696 |
| Assets per employee ($millions) | 2.7554% | 6,468 |
| Cash dividends to net income (ytd only)* | 200.0000% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 6,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 5,513 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 28.4169% | 6,923 |
| Net loans and leases to deposits | 31.1704% | 6,982 |
| Net loans and leases to core deposits | 31.5904% | 6,999 |
| Total domestic deposits to total assets | 91.1664% | 397 |
| Equity capital to assets | 8.6485% | 6,075 |
| Core capital (leverage) ratio | 8.1057% | 6,158 |
| Tier 1 risk-based capital ratio | 25.6485% | 843 |
| Total risk-based capital ratio | 26.5203% | 863 |
| Memoranda: | ||
| Average total assets | $28,481,000 | 6,936 |
| Average earning assets | $27,501,000 | 6,869 |
| Average equity | $2,394,670 | 7,039 |
| Average total loans | $7,881,670 | 7,073 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4874% | 7,176 |
| Cost of funding earning assets | 0.3574% | 6,610 |
| Net interest margin | 2.1301% | 7,122 |
| Noninterest income to average assets | 0.8706% | 1,865 |
| Noninterest expense to average assets | 2.6948% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2349% | 5,869 |
| Return on assets (ROA) | 0.2349% | 6,020 |
| Pretax return on assets | 0.2349% | 6,122 |
| Return on Equity (ROE) | 2.8327% | 5,776 |
| Retained earnings to average equity (ytd only) | 0.8332% | 5,726 |
| Net charge-offs to loans | -0.1017% | 6,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9811% | 948 |
| Assets per employee ($millions) | 2.9232% | 6,301 |
| Cash dividends to net income (ytd only)* | 70.5882% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 5,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 6,012 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 26.6968% | 7,012 |
| Net loans and leases to deposits | 29.1194% | 7,074 |
| Net loans and leases to core deposits | 29.4880% | 7,080 |
| Total domestic deposits to total assets | 91.6804% | 330 |
| Equity capital to assets | 8.2204% | 6,341 |
| Core capital (leverage) ratio | 8.2058% | 6,016 |
| Tier 1 risk-based capital ratio | 25.3081% | 873 |
| Total risk-based capital ratio | 26.2770% | 890 |
| Memoranda: | ||
| Average total assets | $28,944,500 | 6,978 |
| Average earning assets | $27,980,500 | 6,909 |
| Average equity | $2,400,500 | 7,089 |
| Average total loans | $7,867,000 | 7,137 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4799% | 7,258 |
| Cost of funding earning assets | 0.4225% | 6,821 |
| Net interest margin | 2.0575% | 7,210 |
| Noninterest income to average assets | 0.7988% | 2,072 |
| Noninterest expense to average assets | 2.7259% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0666% | 5,931 |
| Return on assets (ROA) | 0.0666% | 6,044 |
| Pretax return on assets | 0.0666% | 6,022 |
| Return on Equity (ROE) | 0.8284% | 5,998 |
| Retained earnings to average equity (ytd only) | -1.1597% | 6,037 |
| Net charge-offs to loans | -0.0735% | 7,100 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6162% | 745 |
| Assets per employee ($millions) | 2.8657% | 6,344 |
| Cash dividends to net income (ytd only)* | 240.0000% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 5,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 6,088 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 27.0370% | 7,088 |
| Net loans and leases to deposits | 29.5319% | 7,144 |
| Net loans and leases to core deposits | 29.9162% | 7,157 |
| Total domestic deposits to total assets | 91.5518% | 319 |
| Equity capital to assets | 8.3679% | 6,284 |
| Core capital (leverage) ratio | 8.0303% | 6,227 |
| Tier 1 risk-based capital ratio | 25.6773% | 804 |
| Total risk-based capital ratio | 26.6410% | 808 |
| Memoranda: | ||
| Average total assets | $30,045,400 | 6,969 |
| Average earning assets | $29,113,600 | 6,900 |
| Average equity | $2,414,400 | 7,140 |
| Average total loans | $8,158,800 | 7,179 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4797% | 7,346 |
| Cost of funding earning assets | 0.4389% | 6,914 |
| Net interest margin | 2.0407% | 7,294 |
| Noninterest income to average assets | 0.7984% | 2,061 |
| Noninterest expense to average assets | 2.7462% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0307% | 6,110 |
| Return on assets (ROA) | 0.0307% | 6,207 |
| Pretax return on assets | 0.0307% | 6,190 |
| Return on Equity (ROE) | 0.3858% | 6,183 |
| Retained earnings to average equity (ytd only) | -1.5989% | 6,245 |
| Net charge-offs to loans | -0.0647% | 7,097 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8942% | 700 |
| Assets per employee ($millions) | 2.8956% | 6,316 |
| Cash dividends to net income (ytd only)* | 514.4695% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 5,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 6,162 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 27.4278% | 7,166 |
| Net loans and leases to deposits | 29.9777% | 7,220 |
| Net loans and leases to core deposits | 30.3675% | 7,224 |
| Total domestic deposits to total assets | 91.4940% | 298 |
| Equity capital to assets | 8.2781% | 6,505 |
| Core capital (leverage) ratio | 8.0903% | 6,296 |
| Tier 1 risk-based capital ratio | 26.6008% | 774 |
| Total risk-based capital ratio | 27.5774% | 780 |
| Memoranda: | ||
| Average total assets | $30,392,500 | 7,029 |
| Average earning assets | $29,465,750 | 6,947 |
| Average equity | $2,418,500 | 7,204 |
| Average total loans | $8,239,000 | 7,245 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4502% | 7,422 |
| Cost of funding earning assets | 0.4540% | 6,993 |
| Net interest margin | 1.9962% | 7,366 |
| Noninterest income to average assets | 0.8033% | 2,000 |
| Noninterest expense to average assets | 2.6368% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1037% | 6,006 |
| Return on assets (ROA) | 0.1037% | 6,087 |
| Pretax return on assets | 0.1037% | 6,098 |
| Return on Equity (ROE) | 1.3192% | 5,998 |
| Retained earnings to average equity (ytd only) | -0.6596% | 5,993 |
| Net charge-offs to loans | -0.0722% | 7,100 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2175% | 867 |
| Assets per employee ($millions) | 3.0631% | 5,948 |
| Cash dividends to net income (ytd only)* | 150.0000% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 6,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 26.5222% | 7,275 |
| Net loans and leases to deposits | 28.8515% | 7,319 |
| Net loans and leases to core deposits | 29.2062% | 7,328 |
| Total domestic deposits to total assets | 91.9265% | 248 |
| Equity capital to assets | 7.8940% | 6,747 |
| Core capital (leverage) ratio | 7.7334% | 6,560 |
| Tier 1 risk-based capital ratio | 26.0000% | 817 |
| Total risk-based capital ratio | 26.9355% | 821 |
| Memoranda: | ||
| Average total assets | $30,871,330 | 7,077 |
| Average earning assets | $29,957,000 | 6,996 |
| Average equity | $2,425,670 | 7,265 |
| Average total loans | $8,308,670 | 7,310 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4885% | 7,479 |
| Cost of funding earning assets | 0.4658% | 7,076 |
| Net interest margin | 2.0228% | 7,406 |
| Noninterest income to average assets | 0.8131% | 1,978 |
| Noninterest expense to average assets | 2.5297% | 5,451 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2452% | 5,630 |
| Return on assets (ROA) | 0.2452% | 5,697 |
| Pretax return on assets | 0.2452% | 5,821 |
| Return on Equity (ROE) | 3.1282% | 5,308 |
| Retained earnings to average equity (ytd only) | 1.1525% | 5,363 |
| Net charge-offs to loans | -0.0957% | 7,073 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1628% | 1,232 |
| Assets per employee ($millions) | 2.8179% | 6,501 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 6,239 |
| Loan loss allowance to noncurrent loans | 955.5556% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 7,098 |
| Noncurrent loans to loans | 0.1093% | 6,776 |
| Net loans and leases to total assets | 26.2929% | 7,336 |
| Net loans and leases to deposits | 28.5654% | 7,377 |
| Net loans and leases to core deposits | 28.9130% | 7,388 |
| Total domestic deposits to total assets | 92.0444% | 271 |
| Equity capital to assets | 7.8491% | 6,634 |
| Core capital (leverage) ratio | 7.7776% | 6,482 |
| Tier 1 risk-based capital ratio | 28.5262% | 604 |
| Total risk-based capital ratio | 29.5345% | 605 |
| Memoranda: | ||
| Average total assets | $30,991,500 | 7,122 |
| Average earning assets | $30,058,000 | 7,048 |
| Average equity | $2,429,500 | 7,309 |
| Average total loans | $8,357,500 | 7,367 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7461% | 7,524 |
| Cost of funding earning assets | 0.6383% | 7,038 |
| Net interest margin | 2.1078% | 7,427 |
| Noninterest income to average assets | 0.8133% | 2,214 |
| Noninterest expense to average assets | 2.7788% | 4,677 |
| Loan and lease loss provision to assets | 0.0474% | 6,688 |
| Net operating income to assets | 0.0136% | 5,794 |
| Return on assets (ROA) | 0.0136% | 5,928 |
| Pretax return on assets | 0.0237% | 5,851 |
| Return on Equity (ROE) | 0.1632% | 5,919 |
| Retained earnings to average equity (ytd only) | -0.8161% | 5,771 |
| Net charge-offs to loans | 0.2312% | 4,894 |
| Credit loss provision to net charge-offs | 70.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | 1.0500% | 5,060 |
| Efficiency ratio | 97.5030% | 892 |
| Assets per employee ($millions) | 2.8169% | 6,499 |
| Cash dividends to net income (ytd only)* | 600.0000% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 6,425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 27.0929% | 7,427 |
| Net loans and leases to deposits | 29.4118% | 7,466 |
| Net loans and leases to core deposits | 29.7695% | 7,475 |
| Total domestic deposits to total assets | 92.1158% | 261 |
| Equity capital to assets | 7.8293% | 6,654 |
| Core capital (leverage) ratio | 7.9784% | 6,231 |
| Tier 1 risk-based capital ratio | 27.7194% | 634 |
| Total risk-based capital ratio | 28.6792% | 635 |
| Memoranda: | ||
| Average total assets | $29,509,600 | 7,221 |
| Average earning assets | $28,513,600 | 7,146 |
| Average equity | $2,450,800 | 7,407 |
| Average total loans | $8,649,400 | 7,439 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8241% | 7,644 |
| Cost of funding earning assets | 0.6824% | 7,104 |
| Net interest margin | 2.1418% | 7,537 |
| Noninterest income to average assets | 0.8419% | 2,026 |
| Noninterest expense to average assets | 2.6949% | 4,903 |
| Loan and lease loss provision to assets | 0.0595% | 6,473 |
| Net operating income to assets | 0.1418% | 5,657 |
| Return on assets (ROA) | 0.1418% | 5,821 |
| Pretax return on assets | 0.1556% | 5,822 |
| Return on Equity (ROE) | 1.6821% | 5,710 |
| Retained earnings to average equity (ytd only) | 0.3797% | 5,639 |
| Net charge-offs to loans | 0.3374% | 3,956 |
| Credit loss provision to net charge-offs | 59.0909% | 5,717 |
| Earnings coverage of net charge-offs (x) | 2.1367% | 4,119 |
| Efficiency ratio | 92.6101% | 1,075 |
| Assets per employee ($millions) | 2.6543% | 6,842 |
| Cash dividends to net income (ytd only)* | 77.4256% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 6,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 29.0852% | 7,488 |
| Net loans and leases to deposits | 31.7933% | 7,541 |
| Net loans and leases to core deposits | 32.2118% | 7,554 |
| Total domestic deposits to total assets | 91.4820% | 314 |
| Equity capital to assets | 8.4015% | 6,393 |
| Core capital (leverage) ratio | 8.2964% | 5,876 |
| Tier 1 risk-based capital ratio | 28.8283% | 578 |
| Total risk-based capital ratio | 29.7802% | 581 |
| Memoranda: | ||
| Average total assets | $29,140,500 | 7,322 |
| Average earning assets | $28,138,000 | 7,242 |
| Average equity | $2,457,000 | 7,502 |
| Average total loans | $8,692,000 | 7,535 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8907% | 7,721 |
| Cost of funding earning assets | 0.7191% | 7,148 |
| Net interest margin | 2.1716% | 7,594 |
| Noninterest income to average assets | 0.8310% | 1,967 |
| Noninterest expense to average assets | 2.6509% | 5,123 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2541% | 5,362 |
| Return on assets (ROA) | 0.2541% | 5,500 |
| Pretax return on assets | 0.2747% | 5,576 |
| Return on Equity (ROE) | 3.0102% | 5,226 |
| Retained earnings to average equity (ytd only) | 1.0576% | 5,341 |
| Net charge-offs to loans | 0.4352% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.1053% | 3,972 |
| Efficiency ratio | 90.6103% | 1,285 |
| Assets per employee ($millions) | 2.6250% | 6,905 |
| Cash dividends to net income (ytd only)* | 64.8649% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 6,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 29.4165% | 7,551 |
| Net loans and leases to deposits | 32.2023% | 7,608 |
| Net loans and leases to core deposits | 32.6328% | 7,622 |
| Total domestic deposits to total assets | 91.3489% | 373 |
| Equity capital to assets | 8.5160% | 6,145 |
| Core capital (leverage) ratio | 8.1354% | 6,056 |
| Tier 1 risk-based capital ratio | 28.8344% | 576 |
| Total risk-based capital ratio | 29.6670% | 587 |
| Memoranda: | ||
| Average total assets | $29,121,670 | 7,383 |
| Average earning assets | $28,089,670 | 7,288 |
| Average equity | $2,458,330 | 7,556 |
| Average total loans | $8,731,670 | 7,596 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9780% | 7,812 |
| Cost of funding earning assets | 0.7516% | 7,230 |
| Net interest margin | 2.2264% | 7,637 |
| Noninterest income to average assets | 0.8617% | 1,761 |
| Noninterest expense to average assets | 2.5030% | 5,717 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4924% | 4,428 |
| Return on assets (ROA) | 0.4924% | 4,562 |
| Pretax return on assets | 0.5061% | 4,941 |
| Return on Equity (ROE) | 5.8584% | 3,940 |
| Retained earnings to average equity (ytd only) | 3.9056% | 3,797 |
| Net charge-offs to loans | -0.0454% | 7,317 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1818% | 2,117 |
| Assets per employee ($millions) | 2.7189% | 6,823 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 6,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 28.5208% | 7,659 |
| Net loans and leases to deposits | 31.1178% | 7,712 |
| Net loans and leases to core deposits | 31.5179% | 7,722 |
| Total domestic deposits to total assets | 91.6544% | 333 |
| Equity capital to assets | 8.2587% | 6,354 |
| Core capital (leverage) ratio | 8.2314% | 5,867 |
| Tier 1 risk-based capital ratio | 28.1514% | 630 |
| Total risk-based capital ratio | 29.1885% | 630 |
| Memoranda: | ||
| Average total assets | $29,245,000 | 7,466 |
| Average earning assets | $28,207,000 | 7,385 |
| Average equity | $2,458,000 | 7,648 |
| Average total loans | $8,815,000 | 7,694 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6043% | 7,812 |
| Cost of funding earning assets | 0.9954% | 7,216 |
| Net interest margin | 2.6089% | 7,326 |
| Noninterest income to average assets | 1.1413% | 1,181 |
| Noninterest expense to average assets | 2.9356% | 4,406 |
| Loan and lease loss provision to assets | 0.0241% | 7,266 |
| Net operating income to assets | 0.6531% | 3,126 |
| Return on assets (ROA) | 0.6531% | 3,181 |
| Pretax return on assets | 0.6772% | 3,659 |
| Return on Equity (ROE) | 7.7805% | 2,468 |
| Retained earnings to average equity (ytd only) | 4.0950% | 2,348 |
| Net charge-offs to loans | 0.0778% | 6,332 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 29.1429% | 786 |
| Efficiency ratio | 80.7183% | 2,785 |
| Assets per employee ($millions) | 2.5984% | 7,039 |
| Cash dividends to net income (ytd only)* | 47.3684% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 6,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 31.2050% | 7,679 |
| Net loans and leases to deposits | 34.1541% | 7,760 |
| Net loans and leases to core deposits | 41.7458% | 7,736 |
| Total domestic deposits to total assets | 91.3652% | 413 |
| Equity capital to assets | 8.5578% | 5,800 |
| Core capital (leverage) ratio | 8.2652% | 5,689 |
| Tier 1 risk-based capital ratio | 28.1927% | 628 |
| Total risk-based capital ratio | 29.2301% | 627 |
| Memoranda: | ||
| Average total assets | $29,090,800 | 7,506 |
| Average earning assets | $27,828,000 | 7,436 |
| Average equity | $2,442,000 | 7,746 |
| Average total loans | $8,995,000 | 7,740 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 7,898 |
| Cost of funding earning assets | 1.0464% | 7,293 |
| Net interest margin | 2.6327% | 7,315 |
| Noninterest income to average assets | 1.2595% | 974 |
| Noninterest expense to average assets | 2.8475% | 4,685 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8853% | 2,470 |
| Return on assets (ROA) | 0.8853% | 2,549 |
| Pretax return on assets | 0.9263% | 3,146 |
| Return on Equity (ROE) | 10.5965% | 1,734 |
| Retained earnings to average equity (ytd only) | 6.6637% | 1,646 |
| Net charge-offs to loans | -0.0445% | 7,847 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4534% | 3,596 |
| Assets per employee ($millions) | 2.5488% | 7,145 |
| Cash dividends to net income (ytd only)* | 37.1144% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 6,109 |
| 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 | 31.8793% | 7,756 |
| Net loans and leases to deposits | 35.0359% | 7,843 |
| Net loans and leases to core deposits | 43.2686% | 7,807 |
| Total domestic deposits to total assets | 90.9905% | 420 |
| Equity capital to assets | 8.8027% | 5,790 |
| Core capital (leverage) ratio | 8.6846% | 5,156 |
| Tier 1 risk-based capital ratio | 29.7242% | 583 |
| Total risk-based capital ratio | 30.8443% | 583 |
| Memoranda: | ||
| Average total assets | $29,218,000 | 7,565 |
| Average earning assets | $27,905,250 | 7,498 |
| Average equity | $2,441,000 | 7,821 |
| Average total loans | $8,991,500 | 7,817 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7864% | 7,971 |
| Cost of funding earning assets | 1.1082% | 7,362 |
| Net interest margin | 2.6782% | 7,247 |
| Noninterest income to average assets | 1.4791% | 674 |
| Noninterest expense to average assets | 2.8029% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1752% | 1,550 |
| Return on assets (ROA) | 1.1752% | 1,632 |
| Pretax return on assets | 1.2225% | 2,235 |
| Return on Equity (ROE) | 14.3092% | 943 |
| Retained earnings to average equity (ytd only) | 9.8684% | 760 |
| Net charge-offs to loans | -0.0223% | 7,717 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6309% | 4,855 |
| Assets per employee ($millions) | 2.5304% | 7,190 |
| Cash dividends to net income (ytd only)* | 31.0345% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 6,183 |
| 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 | 32.1334% | 7,839 |
| Net loans and leases to deposits | 35.3532% | 7,913 |
| Net loans and leases to core deposits | 43.6975% | 7,874 |
| Total domestic deposits to total assets | 90.8924% | 494 |
| Equity capital to assets | 8.8597% | 5,513 |
| Core capital (leverage) ratio | 8.2577% | 5,872 |
| Tier 1 risk-based capital ratio | 34.8896% | 422 |
| Total risk-based capital ratio | 36.1347% | 416 |
| Memoranda: | ||
| Average total assets | $29,611,670 | 7,619 |
| Average earning assets | $28,153,330 | 7,556 |
| Average equity | $2,432,000 | 7,897 |
| Average total loans | $8,978,330 | 7,903 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8735% | 8,022 |
| Cost of funding earning assets | 1.1759% | 7,350 |
| Net interest margin | 2.6976% | 7,209 |
| Noninterest income to average assets | 2.2295% | 302 |
| Noninterest expense to average assets | 2.6229% | 5,354 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1246% | 268 |
| Return on assets (ROA) | 2.1246% | 313 |
| Pretax return on assets | 2.1639% | 478 |
| Return on Equity (ROE) | 26.8323% | 148 |
| Retained earnings to average equity (ytd only) | 22.8571% | 114 |
| Net charge-offs to loans | -0.0447% | 7,664 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7945% | 7,134 |
| Assets per employee ($millions) | 2.7745% | 6,703 |
| Cash dividends to net income (ytd only)* | 14.8148% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 6,050 |
| 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 | 28.9983% | 7,936 |
| Net loans and leases to deposits | 31.6196% | 8,018 |
| Net loans and leases to core deposits | 37.7431% | 8,008 |
| Total domestic deposits to total assets | 91.7101% | 225 |
| Equity capital to assets | 8.1392% | 6,614 |
| Core capital (leverage) ratio | 8.0917% | 6,305 |
| Tier 1 risk-based capital ratio | 32.8702% | 497 |
| Total risk-based capital ratio | 34.0744% | 491 |
| Memoranda: | ||
| Average total assets | $30,500,500 | 7,629 |
| Average earning assets | $28,914,500 | 7,574 |
| Average equity | $2,415,000 | 7,954 |
| Average total loans | $8,950,000 | 7,955 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1759% | 7,701 |
| Cost of funding earning assets | 1.8378% | 6,906 |
| Net interest margin | 3.3381% | 5,907 |
| Noninterest income to average assets | 1.0956% | 1,313 |
| Noninterest expense to average assets | 2.8620% | 4,562 |
| Loan and lease loss provision to assets | 0.1079% | 5,992 |
| Net operating income to assets | 1.1461% | 1,966 |
| Return on assets (ROA) | 1.1461% | 1,887 |
| Pretax return on assets | 1.1933% | 2,669 |
| Return on Equity (ROE) | 14.6868% | 975 |
| Retained earnings to average equity (ytd only) | 5.0972% | 1,966 |
| Net charge-offs to loans | 0.3413% | 3,125 |
| Credit loss provision to net charge-offs | 106.6667% | 5,030 |
| Earnings coverage of net charge-offs (x) | 12.8667% | 2,195 |
| Efficiency ratio | 68.7449% | 4,586 |
| Assets per employee ($millions) | 2.7711% | 6,632 |
| Cash dividends to net income (ytd only)* | 65.2941% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 29.0959% | 8,015 |
| Net loans and leases to deposits | 31.5589% | 8,098 |
| Net loans and leases to core deposits | 37.6859% | 8,086 |
| Total domestic deposits to total assets | 92.1954% | 109 |
| Equity capital to assets | 7.6963% | 7,205 |
| Core capital (leverage) ratio | 7.8270% | 6,763 |
| Tier 1 risk-based capital ratio | 31.0194% | 589 |
| Total risk-based capital ratio | 32.2094% | 587 |
| Memoranda: | ||
| Average total assets | $29,664,800 | 7,661 |
| Average earning assets | $27,260,800 | 7,652 |
| Average equity | $2,315,000 | 8,045 |
| Average total loans | $8,789,600 | 7,997 |