Home > Union State Bank > Performance and Condition Ratios
Union State Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 3,863 |
| Cost of funding earning assets | 0.3070% | 4,254 |
| Net interest margin | 3.5601% | 3,302 |
| Noninterest income to average assets | 1.4458% | 590 |
| Noninterest expense to average assets | 4.2927% | 493 |
| Loan and lease loss provision to assets | 0.0772% | 2,645 |
| Net operating income to assets | 0.2392% | 5,590 |
| Return on assets (ROA) | 0.2392% | 5,667 |
| Pretax return on assets | 0.2608% | 5,706 |
| Return on Equity (ROE) | 2.3417% | 5,597 |
| Retained earnings to average equity (ytd only) | 1.6014% | 5,066 |
| Net charge-offs to loans | 0.1942% | 1,312 |
| Credit loss provision to net charge-offs | 70.4225% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.0846% | 3,560 |
| Efficiency ratio | 92.3359% | 550 |
| Assets per employee ($millions) | 2.4825% | 5,966 |
| Cash dividends to net income (ytd only)* | 31.6123% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 2,867 |
| Loan loss allowance to noncurrent loans | 88.2591% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.2280% | 1,912 |
| Noncurrent loans to loans | 1.5271% | 1,640 |
| Net loans and leases to total assets | 58.4322% | 4,088 |
| Net loans and leases to deposits | 66.0340% | 4,384 |
| Net loans and leases to core deposits | 66.3617% | 4,666 |
| Total domestic deposits to total assets | 88.4881% | 1,302 |
| Equity capital to assets | 10.8784% | 3,156 |
| Core capital (leverage) ratio | 10.5657% | 2,965 |
| Tier 1 risk-based capital ratio | 18.2215% | 1,977 |
| Total risk-based capital ratio | 19.4738% | 1,935 |
| Memoranda: | ||
| Average total assets | $86,408,750 | 4,797 |
| Average earning assets | $77,299,250 | 4,836 |
| Average equity | $8,825,250 | 4,948 |
| Average total loans | $48,745,000 | 4,761 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8456% | 3,896 |
| Cost of funding earning assets | 0.3058% | 4,334 |
| Net interest margin | 3.5398% | 3,338 |
| Noninterest income to average assets | 1.5130% | 557 |
| Noninterest expense to average assets | 4.1887% | 552 |
| Loan and lease loss provision to assets | 0.0978% | 2,189 |
| Net operating income to assets | 0.3140% | 5,398 |
| Return on assets (ROA) | 0.3140% | 5,491 |
| Pretax return on assets | 0.3868% | 5,493 |
| Return on Equity (ROE) | 3.1377% | 5,363 |
| Retained earnings to average equity (ytd only) | 2.5693% | 4,419 |
| Net charge-offs to loans | 0.2950% | 887 |
| Credit loss provision to net charge-offs | 59.7222% | 2,598 |
| Earnings coverage of net charge-offs (x) | 2.9583% | 3,264 |
| Efficiency ratio | 89.2892% | 807 |
| Assets per employee ($millions) | 2.4503% | 6,058 |
| Cash dividends to net income (ytd only)* | 18.1159% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 3,237 |
| Loan loss allowance to noncurrent loans | 93.0836% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.1287% | 2,255 |
| Noncurrent loans to loans | 1.3976% | 1,929 |
| Net loans and leases to total assets | 57.1495% | 4,203 |
| Net loans and leases to deposits | 65.6900% | 4,365 |
| Net loans and leases to core deposits | 66.0068% | 4,654 |
| Total domestic deposits to total assets | 86.9988% | 2,173 |
| Equity capital to assets | 10.2482% | 3,750 |
| Core capital (leverage) ratio | 10.3359% | 3,170 |
| Tier 1 risk-based capital ratio | 17.6124% | 2,183 |
| Total risk-based capital ratio | 18.8640% | 2,132 |
| Memoranda: | ||
| Average total assets | $87,903,670 | 4,818 |
| Average earning assets | $78,479,330 | 4,859 |
| Average equity | $8,796,330 | 4,990 |
| Average total loans | $48,818,670 | 4,793 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 4,013 |
| Cost of funding earning assets | 0.3039% | 4,400 |
| Net interest margin | 3.4951% | 3,459 |
| Noninterest income to average assets | 1.5555% | 507 |
| Noninterest expense to average assets | 4.1809% | 566 |
| Loan and lease loss provision to assets | 0.0719% | 2,500 |
| Net operating income to assets | 0.3237% | 5,328 |
| Return on assets (ROA) | 0.3237% | 5,437 |
| Pretax return on assets | 0.4046% | 5,426 |
| Return on Equity (ROE) | 3.2727% | 5,266 |
| Retained earnings to average equity (ytd only) | 2.7273% | 4,317 |
| Net charge-offs to loans | 0.5207% | 479 |
| Credit loss provision to net charge-offs | 25.3968% | 2,313 |
| Earnings coverage of net charge-offs (x) | 1.6825% | 2,882 |
| Efficiency ratio | 89.3822% | 898 |
| Assets per employee ($millions) | 2.3460% | 6,177 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 3,336 |
| Loan loss allowance to noncurrent loans | 83.7333% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.2903% | 2,063 |
| Noncurrent loans to loans | 1.5659% | 1,787 |
| Net loans and leases to total assets | 54.4543% | 4,378 |
| Net loans and leases to deposits | 61.0516% | 4,659 |
| Net loans and leases to core deposits | 61.7350% | 4,857 |
| Total domestic deposits to total assets | 89.1939% | 1,147 |
| Equity capital to assets | 10.2600% | 3,820 |
| Core capital (leverage) ratio | 9.9908% | 3,613 |
| Tier 1 risk-based capital ratio | 17.5204% | 2,291 |
| Total risk-based capital ratio | 18.7694% | 2,249 |
| Memoranda: | ||
| Average total assets | $88,975,000 | 4,833 |
| Average earning assets | $78,968,500 | 4,891 |
| Average equity | $8,800,000 | 5,035 |
| Average total loans | $48,399,000 | 4,834 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 4,081 |
| Cost of funding earning assets | 0.3613% | 4,124 |
| Net interest margin | 3.5523% | 3,595 |
| Noninterest income to average assets | 1.3178% | 709 |
| Noninterest expense to average assets | 4.3731% | 517 |
| Loan and lease loss provision to assets | 0.1606% | 1,639 |
| Net operating income to assets | -0.0126% | 6,103 |
| Return on assets (ROA) | 0.1078% | 5,979 |
| Pretax return on assets | 0.0734% | 6,017 |
| Return on Equity (ROE) | 1.0971% | 5,956 |
| Retained earnings to average equity (ytd only) | 0.6653% | 5,462 |
| Net charge-offs to loans | 0.2256% | 1,863 |
| Credit loss provision to net charge-offs | 127.2727% | 1,882 |
| Earnings coverage of net charge-offs (x) | 0.9000% | 4,542 |
| Efficiency ratio | 97.1115% | 463 |
| Assets per employee ($millions) | 2.3986% | 6,222 |
| Cash dividends to net income (ytd only)* | 39.3617% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 3,044 |
| Loan loss allowance to noncurrent loans | 89.4040% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 2,250 |
| Noncurrent loans to loans | 1.5439% | 1,898 |
| Net loans and leases to total assets | 52.9112% | 4,700 |
| Net loans and leases to deposits | 58.7611% | 5,003 |
| Net loans and leases to core deposits | 59.3812% | 5,185 |
| Total domestic deposits to total assets | 90.0447% | 712 |
| Equity capital to assets | 9.5384% | 4,675 |
| Core capital (leverage) ratio | 10.0219% | 3,543 |
| Tier 1 risk-based capital ratio | 16.3787% | 2,772 |
| Total risk-based capital ratio | 17.6285% | 2,716 |
| Memoranda: | ||
| Average total assets | $87,192,000 | 4,905 |
| Average earning assets | $77,779,600 | 4,929 |
| Average equity | $8,568,000 | 5,068 |
| Average total loans | $48,756,400 | 4,862 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9592% | 3,932 |
| Cost of funding earning assets | 0.3716% | 4,111 |
| Net interest margin | 3.5877% | 3,476 |
| Noninterest income to average assets | 1.3456% | 676 |
| Noninterest expense to average assets | 4.4761% | 469 |
| Loan and lease loss provision to assets | 0.1315% | 1,910 |
| Net operating income to assets | -0.0201% | 6,155 |
| Return on assets (ROA) | 0.1021% | 6,055 |
| Pretax return on assets | 0.0711% | 6,094 |
| Return on Equity (ROE) | 1.0309% | 6,022 |
| Retained earnings to average equity (ytd only) | 0.8434% | 5,544 |
| Net charge-offs to loans | 0.2956% | 1,336 |
| Credit loss provision to net charge-offs | 78.7037% | 2,619 |
| Earnings coverage of net charge-offs (x) | 0.4815% | 4,375 |
| Efficiency ratio | 97.8615% | 435 |
| Assets per employee ($millions) | 2.2871% | 6,351 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 3,678 |
| Loan loss allowance to noncurrent loans | 109.7002% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.2772% | 2,411 |
| Noncurrent loans to loans | 1.1789% | 2,705 |
| Net loans and leases to total assets | 54.6267% | 4,501 |
| Net loans and leases to deposits | 60.9866% | 4,851 |
| Net loans and leases to core deposits | 61.6631% | 5,064 |
| Total domestic deposits to total assets | 89.5717% | 950 |
| Equity capital to assets | 9.9312% | 4,256 |
| Core capital (leverage) ratio | 9.8559% | 3,868 |
| Tier 1 risk-based capital ratio | 16.8131% | 2,682 |
| Total risk-based capital ratio | 18.0329% | 2,640 |
| Memoranda: | ||
| Average total assets | $86,203,250 | 4,973 |
| Average earning assets | $77,151,500 | 4,999 |
| Average equity | $8,536,500 | 5,121 |
| Average total loans | $48,720,000 | 4,912 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 3,776 |
| Cost of funding earning assets | 0.3813% | 4,091 |
| Net interest margin | 3.6064% | 3,337 |
| Noninterest income to average assets | 1.3796% | 637 |
| Noninterest expense to average assets | 4.5179% | 444 |
| Loan and lease loss provision to assets | 0.0698% | 2,874 |
| Net operating income to assets | 0.0302% | 6,157 |
| Return on assets (ROA) | 0.0884% | 6,095 |
| Pretax return on assets | 0.0628% | 6,131 |
| Return on Equity (ROE) | 0.8936% | 6,075 |
| Retained earnings to average equity (ytd only) | 0.6114% | 5,491 |
| Net charge-offs to loans | -0.0164% | 5,473 |
| Credit loss provision to net charge-offs | -750.0000% | 5,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0243% | 465 |
| Assets per employee ($millions) | 2.2016% | 6,438 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 3,469 |
| Loan loss allowance to noncurrent loans | 79.4152% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.4240% | 2,294 |
| Noncurrent loans to loans | 1.7324% | 1,992 |
| Net loans and leases to total assets | 55.2736% | 4,378 |
| Net loans and leases to deposits | 61.5944% | 4,731 |
| Net loans and leases to core deposits | 62.2673% | 4,949 |
| Total domestic deposits to total assets | 89.7379% | 944 |
| Equity capital to assets | 9.7874% | 4,377 |
| Core capital (leverage) ratio | 9.9315% | 3,702 |
| Tier 1 risk-based capital ratio | 16.2044% | 2,976 |
| Total risk-based capital ratio | 17.4544% | 2,925 |
| Memoranda: | ||
| Average total assets | $85,968,330 | 5,019 |
| Average earning assets | $76,585,330 | 5,057 |
| Average equity | $8,505,000 | 5,155 |
| Average total loans | $48,927,670 | 4,931 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 3,717 |
| Cost of funding earning assets | 0.3961% | 4,020 |
| Net interest margin | 3.5965% | 3,259 |
| Noninterest income to average assets | 1.4225% | 579 |
| Noninterest expense to average assets | 4.5925% | 415 |
| Loan and lease loss provision to assets | 0.0471% | 3,153 |
| Net operating income to assets | 0.0377% | 6,152 |
| Return on assets (ROA) | 0.0377% | 6,173 |
| Pretax return on assets | -0.0094% | 6,225 |
| Return on Equity (ROE) | 0.3788% | 6,165 |
| Retained earnings to average equity (ytd only) | -0.1894% | 5,591 |
| Net charge-offs to loans | -0.0164% | 5,256 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7792% | 506 |
| Assets per employee ($millions) | 2.0899% | 6,551 |
| Cash dividends to net income (ytd only)* | 150.0000% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 3,972 |
| Loan loss allowance to noncurrent loans | 51.4487% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 2.1859% | 1,515 |
| Noncurrent loans to loans | 2.5802% | 1,335 |
| Net loans and leases to total assets | 56.9948% | 4,003 |
| Net loans and leases to deposits | 63.5861% | 4,365 |
| Net loans and leases to core deposits | 64.3002% | 4,667 |
| Total domestic deposits to total assets | 89.6341% | 1,288 |
| Equity capital to assets | 9.9271% | 3,930 |
| Core capital (leverage) ratio | 10.1844% | 3,311 |
| Tier 1 risk-based capital ratio | 16.3309% | 2,991 |
| Total risk-based capital ratio | 17.5805% | 2,955 |
| Memoranda: | ||
| Average total assets | $84,921,500 | 5,090 |
| Average earning assets | $75,739,500 | 5,126 |
| Average equity | $8,448,000 | 5,190 |
| Average total loans | $48,714,500 | 4,979 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 3,692 |
| Cost of funding earning assets | 0.4872% | 3,740 |
| Net interest margin | 3.6236% | 3,363 |
| Noninterest income to average assets | 1.6773% | 513 |
| Noninterest expense to average assets | 4.7408% | 430 |
| Loan and lease loss provision to assets | 0.1745% | 2,118 |
| Net operating income to assets | 0.0493% | 6,133 |
| Return on assets (ROA) | 0.1047% | 6,086 |
| Pretax return on assets | 0.0301% | 6,185 |
| Return on Equity (ROE) | 1.0084% | 6,080 |
| Retained earnings to average equity (ytd only) | 0.4404% | 5,650 |
| Net charge-offs to loans | 0.4298% | 1,551 |
| Credit loss provision to net charge-offs | 71.4286% | 3,265 |
| Earnings coverage of net charge-offs (x) | 0.6108% | 4,880 |
| Efficiency ratio | 96.5797% | 611 |
| Assets per employee ($millions) | 2.0038% | 6,636 |
| Cash dividends to net income (ytd only)* | 56.3218% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 3,911 |
| Loan loss allowance to noncurrent loans | 81.2343% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.8430% | 1,983 |
| Noncurrent loans to loans | 1.6564% | 2,423 |
| Net loans and leases to total assets | 56.1931% | 4,289 |
| Net loans and leases to deposits | 62.6786% | 4,658 |
| Net loans and leases to core deposits | 63.3953% | 4,927 |
| Total domestic deposits to total assets | 89.6528% | 1,247 |
| Equity capital to assets | 9.9693% | 3,816 |
| Core capital (leverage) ratio | 10.3561% | 3,081 |
| Tier 1 risk-based capital ratio | 16.6946% | 2,764 |
| Total risk-based capital ratio | 17.9446% | 2,718 |
| Memoranda: | ||
| Average total assets | $83,108,600 | 5,160 |
| Average earning assets | $73,684,000 | 5,200 |
| Average equity | $8,627,600 | 5,183 |
| Average total loans | $47,226,600 | 5,057 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 3,593 |
| Cost of funding earning assets | 0.5049% | 3,725 |
| Net interest margin | 3.6378% | 3,289 |
| Noninterest income to average assets | 1.7542% | 506 |
| Noninterest expense to average assets | 4.7766% | 408 |
| Loan and lease loss provision to assets | 0.2092% | 1,739 |
| Net operating income to assets | 0.0418% | 6,229 |
| Return on assets (ROA) | 0.1159% | 6,174 |
| Pretax return on assets | 0.0660% | 6,243 |
| Return on Equity (ROE) | 1.1051% | 6,157 |
| Retained earnings to average equity (ytd only) | 0.7214% | 5,685 |
| Net charge-offs to loans | 0.4959% | 1,297 |
| Credit loss provision to net charge-offs | 74.2857% | 2,979 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 4,613 |
| Efficiency ratio | 95.6030% | 644 |
| Assets per employee ($millions) | 1.9424% | 6,719 |
| Cash dividends to net income (ytd only)* | 34.7188% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 3,702 |
| Loan loss allowance to noncurrent loans | 67.4872% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.1243% | 1,877 |
| Noncurrent loans to loans | 2.1419% | 2,083 |
| Net loans and leases to total assets | 54.9920% | 4,461 |
| Net loans and leases to deposits | 61.6369% | 4,803 |
| Net loans and leases to core deposits | 62.9904% | 5,011 |
| Total domestic deposits to total assets | 89.2193% | 1,446 |
| Equity capital to assets | 10.3333% | 3,466 |
| Core capital (leverage) ratio | 10.3393% | 3,184 |
| Tier 1 risk-based capital ratio | 17.3282% | 2,569 |
| Total risk-based capital ratio | 18.5783% | 2,542 |
| Memoranda: | ||
| Average total assets | $82,846,250 | 5,222 |
| Average earning assets | $73,412,250 | 5,259 |
| Average equity | $8,687,000 | 5,219 |
| Average total loans | $47,049,250 | 5,110 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 3,390 |
| Cost of funding earning assets | 0.5158% | 3,743 |
| Net interest margin | 3.6790% | 3,038 |
| Noninterest income to average assets | 1.7077% | 567 |
| Noninterest expense to average assets | 4.7894% | 420 |
| Loan and lease loss provision to assets | 0.2762% | 1,334 |
| Net operating income to assets | -0.0179% | 6,320 |
| Return on assets (ROA) | 0.0528% | 6,315 |
| Pretax return on assets | -0.0096% | 6,365 |
| Return on Equity (ROE) | 0.5016% | 6,312 |
| Retained earnings to average equity (ytd only) | -0.0684% | 5,870 |
| Net charge-offs to loans | 0.7528% | 855 |
| Credit loss provision to net charge-offs | 64.2458% | 2,941 |
| Earnings coverage of net charge-offs (x) | 0.3631% | 4,418 |
| Efficiency ratio | 96.4546% | 638 |
| Assets per employee ($millions) | 2.0371% | 6,739 |
| Cash dividends to net income (ytd only)* | 113.6364% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 3,913 |
| Loan loss allowance to noncurrent loans | 69.8361% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.0174% | 2,139 |
| Noncurrent loans to loans | 2.0430% | 2,349 |
| Net loans and leases to total assets | 52.8573% | 4,758 |
| Net loans and leases to deposits | 59.3132% | 5,040 |
| Net loans and leases to core deposits | 60.5838% | 5,214 |
| Total domestic deposits to total assets | 89.1156% | 1,558 |
| Equity capital to assets | 10.2678% | 3,578 |
| Core capital (leverage) ratio | 10.2747% | 3,130 |
| Tier 1 risk-based capital ratio | 17.2836% | 2,596 |
| Total risk-based capital ratio | 18.5344% | 2,568 |
| Memoranda: | ||
| Average total assets | $83,268,000 | 5,242 |
| Average earning assets | $73,281,330 | 5,295 |
| Average equity | $8,772,670 | 5,226 |
| Average total loans | $47,558,670 | 5,119 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 3,078 |
| Cost of funding earning assets | 0.5298% | 3,780 |
| Net interest margin | 3.7246% | 2,759 |
| Noninterest income to average assets | 1.9293% | 450 |
| Noninterest expense to average assets | 4.7582% | 438 |
| Loan and lease loss provision to assets | 0.3127% | 1,088 |
| Net operating income to assets | 0.1203% | 6,112 |
| Return on assets (ROA) | 0.1203% | 6,203 |
| Pretax return on assets | 0.1395% | 6,192 |
| Return on Equity (ROE) | 1.1273% | 6,188 |
| Retained earnings to average equity (ytd only) | 0.5862% | 5,595 |
| Net charge-offs to loans | 0.3759% | 1,516 |
| Credit loss provision to net charge-offs | 141.3043% | 1,424 |
| Earnings coverage of net charge-offs (x) | 2.0435% | 3,151 |
| Efficiency ratio | 90.9511% | 1,069 |
| Assets per employee ($millions) | 1.9748% | 6,848 |
| Cash dividends to net income (ytd only)* | 48.0000% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5205% | 3,733 |
| Loan loss allowance to noncurrent loans | 58.4615% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 2.8092% | 1,612 |
| Noncurrent loans to loans | 2.6009% | 1,983 |
| Net loans and leases to total assets | 56.3773% | 4,025 |
| Net loans and leases to deposits | 63.6464% | 4,361 |
| Net loans and leases to core deposits | 64.7113% | 4,679 |
| Total domestic deposits to total assets | 88.5789% | 1,950 |
| Equity capital to assets | 10.7001% | 3,318 |
| Core capital (leverage) ratio | 10.2394% | 3,094 |
| Tier 1 risk-based capital ratio | 16.7630% | 2,878 |
| Total risk-based capital ratio | 18.0157% | 2,843 |
| Memoranda: | ||
| Average total assets | $83,140,500 | 5,294 |
| Average earning assets | $73,242,000 | 5,344 |
| Average equity | $8,871,000 | 5,248 |
| Average total loans | $48,944,500 | 5,097 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 2,666 |
| Cost of funding earning assets | 0.6623% | 3,814 |
| Net interest margin | 4.0213% | 2,311 |
| Noninterest income to average assets | 2.0226% | 429 |
| Noninterest expense to average assets | 4.6862% | 484 |
| Loan and lease loss provision to assets | 0.4249% | 1,497 |
| Net operating income to assets | 0.3724% | 5,213 |
| Return on assets (ROA) | 0.4006% | 5,341 |
| Pretax return on assets | 0.5318% | 5,191 |
| Return on Equity (ROE) | 3.7532% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.6386% | 4,376 |
| Net charge-offs to loans | 0.8534% | 1,347 |
| Credit loss provision to net charge-offs | 76.4192% | 3,949 |
| Earnings coverage of net charge-offs (x) | 1.6528% | 4,612 |
| Efficiency ratio | 83.2575% | 1,713 |
| Assets per employee ($millions) | 2.0326% | 6,892 |
| Cash dividends to net income (ytd only)* | 29.6970% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 4,195 |
| Loan loss allowance to noncurrent loans | 59.4755% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 3.1150% | 1,512 |
| Noncurrent loans to loans | 2.3450% | 2,293 |
| Net loans and leases to total assets | 59.6403% | 3,665 |
| Net loans and leases to deposits | 67.3720% | 4,070 |
| Net loans and leases to core deposits | 67.8317% | 4,555 |
| Total domestic deposits to total assets | 88.5238% | 1,888 |
| Equity capital to assets | 10.6398% | 3,351 |
| Core capital (leverage) ratio | 10.3221% | 2,986 |
| Tier 1 risk-based capital ratio | 15.8948% | 3,221 |
| Total risk-based capital ratio | 17.1465% | 3,178 |
| Memoranda: | ||
| Average total assets | $82,369,000 | 5,293 |
| Average earning assets | $73,385,000 | 5,329 |
| Average equity | $8,792,600 | 5,274 |
| Average total loans | $53,667,200 | 4,956 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7367% | 2,636 |
| Cost of funding earning assets | 0.6847% | 3,898 |
| Net interest margin | 4.0520% | 2,283 |
| Noninterest income to average assets | 2.1560% | 385 |
| Noninterest expense to average assets | 4.7292% | 452 |
| Loan and lease loss provision to assets | 0.4789% | 1,291 |
| Net operating income to assets | 0.4484% | 5,042 |
| Return on assets (ROA) | 0.4546% | 5,263 |
| Pretax return on assets | 0.5974% | 5,175 |
| Return on Equity (ROE) | 4.2548% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.1304% | 4,670 |
| Net charge-offs to loans | 0.3695% | 2,619 |
| Credit loss provision to net charge-offs | 195.3642% | 1,424 |
| Earnings coverage of net charge-offs (x) | 4.3576% | 3,325 |
| Efficiency ratio | 81.2377% | 1,903 |
| Assets per employee ($millions) | 2.0460% | 6,987 |
| Cash dividends to net income (ytd only)* | 26.4277% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 2,792 |
| Loan loss allowance to noncurrent loans | 41.3420% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 3.6327% | 1,369 |
| Noncurrent loans to loans | 4.3573% | 1,110 |
| Net loans and leases to total assets | 63.6127% | 3,090 |
| Net loans and leases to deposits | 72.1083% | 3,599 |
| Net loans and leases to core deposits | 72.6111% | 4,182 |
| Total domestic deposits to total assets | 88.2183% | 1,900 |
| Equity capital to assets | 10.8628% | 3,429 |
| Core capital (leverage) ratio | 10.3996% | 3,038 |
| Tier 1 risk-based capital ratio | 15.9715% | 3,279 |
| Total risk-based capital ratio | 17.2281% | 3,245 |
| Memoranda: | ||
| Average total assets | $82,126,750 | 5,348 |
| Average earning assets | $73,805,000 | 5,380 |
| Average equity | $8,774,000 | 5,332 |
| Average total loans | $54,482,500 | 4,974 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7856% | 2,570 |
| Cost of funding earning assets | 0.7157% | 3,891 |
| Net interest margin | 4.0699% | 2,210 |
| Noninterest income to average assets | 2.1965% | 349 |
| Noninterest expense to average assets | 4.7627% | 443 |
| Loan and lease loss provision to assets | 0.2919% | 2,246 |
| Net operating income to assets | 0.6081% | 4,337 |
| Return on assets (ROA) | 0.6081% | 4,588 |
| Pretax return on assets | 0.8076% | 4,453 |
| Return on Equity (ROE) | 5.7239% | 4,462 |
| Retained earnings to average equity (ytd only) | 4.8767% | 3,348 |
| Net charge-offs to loans | 0.1783% | 3,530 |
| Credit loss provision to net charge-offs | 244.8980% | 1,174 |
| Earnings coverage of net charge-offs (x) | 9.2245% | 2,193 |
| Efficiency ratio | 80.9129% | 2,046 |
| Assets per employee ($millions) | 2.0057% | 7,052 |
| Cash dividends to net income (ytd only)* | 14.8000% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 3,529 |
| Loan loss allowance to noncurrent loans | 30.2365% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 3.9912% | 1,280 |
| Noncurrent loans to loans | 5.3593% | 879 |
| Net loans and leases to total assets | 66.7452% | 2,517 |
| Net loans and leases to deposits | 75.7630% | 3,019 |
| Net loans and leases to core deposits | 76.3028% | 3,738 |
| Total domestic deposits to total assets | 88.0974% | 2,078 |
| Equity capital to assets | 11.0463% | 3,067 |
| Core capital (leverage) ratio | 10.4858% | 2,820 |
| Tier 1 risk-based capital ratio | 15.8646% | 3,228 |
| Total risk-based capital ratio | 17.1196% | 3,200 |
| Memoranda: | ||
| Average total assets | $82,222,670 | 5,375 |
| Average earning assets | $74,056,000 | 5,394 |
| Average equity | $8,735,330 | 5,344 |
| Average total loans | $54,971,670 | 4,986 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 2,901 |
| Cost of funding earning assets | 0.7523% | 3,845 |
| Net interest margin | 3.9856% | 2,566 |
| Noninterest income to average assets | 2.3119% | 332 |
| Noninterest expense to average assets | 4.6815% | 466 |
| Loan and lease loss provision to assets | 0.2884% | 2,155 |
| Net operating income to assets | 0.6873% | 3,944 |
| Return on assets (ROA) | 0.6873% | 4,161 |
| Pretax return on assets | 0.9325% | 3,922 |
| Return on Equity (ROE) | 6.5959% | 3,995 |
| Retained earnings to average equity (ytd only) | 6.0424% | 2,934 |
| Net charge-offs to loans | 0.0869% | 3,643 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 21.1667% | 1,161 |
| Efficiency ratio | 78.9902% | 2,353 |
| Assets per employee ($millions) | 2.0697% | 7,096 |
| Cash dividends to net income (ytd only)* | 8.3916% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 3,860 |
| Loan loss allowance to noncurrent loans | 27.3741% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 4.1685% | 1,309 |
| Noncurrent loans to loans | 5.7282% | 909 |
| Net loans and leases to total assets | 65.1338% | 2,626 |
| Net loans and leases to deposits | 73.4756% | 3,202 |
| Net loans and leases to core deposits | 74.2772% | 3,869 |
| Total domestic deposits to total assets | 88.6469% | 1,920 |
| Equity capital to assets | 10.5583% | 3,419 |
| Core capital (leverage) ratio | 10.1392% | 3,190 |
| Tier 1 risk-based capital ratio | 15.7726% | 3,303 |
| Total risk-based capital ratio | 17.0273% | 3,270 |
| Memoranda: | ||
| Average total assets | $83,221,000 | 5,380 |
| Average earning assets | $74,970,000 | 5,400 |
| Average equity | $8,672,000 | 5,371 |
| Average total loans | $55,243,000 | 5,008 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9949% | 2,905 |
| Cost of funding earning assets | 1.0039% | 3,351 |
| Net interest margin | 3.9911% | 2,929 |
| Noninterest income to average assets | 1.5342% | 561 |
| Noninterest expense to average assets | 4.5495% | 563 |
| Loan and lease loss provision to assets | 0.3085% | 3,203 |
| Net operating income to assets | 0.2493% | 5,427 |
| Return on assets (ROA) | 0.3255% | 5,320 |
| Pretax return on assets | 0.3025% | 5,550 |
| Return on Equity (ROE) | 3.2012% | 5,198 |
| Retained earnings to average equity (ytd only) | 2.6895% | 4,319 |
| Net charge-offs to loans | 0.2273% | 4,365 |
| Credit loss provision to net charge-offs | 210.7438% | 1,172 |
| Earnings coverage of net charge-offs (x) | 3.6529% | 3,436 |
| Efficiency ratio | 89.1004% | 1,262 |
| Assets per employee ($millions) | 2.0914% | 7,125 |
| Cash dividends to net income (ytd only)* | 15.9851% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 4,207 |
| Loan loss allowance to noncurrent loans | 46.2372% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 2.4817% | 2,449 |
| Noncurrent loans to loans | 3.1488% | 2,055 |
| Net loans and leases to total assets | 65.6191% | 2,851 |
| Net loans and leases to deposits | 73.7541% | 3,536 |
| Net loans and leases to core deposits | 74.5272% | 4,172 |
| Total domestic deposits to total assets | 88.9700% | 1,557 |
| Equity capital to assets | 10.2840% | 3,804 |
| Core capital (leverage) ratio | 10.0598% | 3,268 |
| Tier 1 risk-based capital ratio | 15.1796% | 3,530 |
| Total risk-based capital ratio | 16.4324% | 3,490 |
| Memoranda: | ||
| Average total assets | $82,646,400 | 5,379 |
| Average earning assets | $73,514,400 | 5,416 |
| Average equity | $8,403,000 | 5,439 |
| Average total loans | $53,229,000 | 5,142 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9362% | 3,399 |
| Cost of funding earning assets | 1.0580% | 3,267 |
| Net interest margin | 3.8782% | 3,488 |
| Noninterest income to average assets | 1.4887% | 591 |
| Noninterest expense to average assets | 4.5277% | 567 |
| Loan and lease loss provision to assets | 0.3560% | 2,738 |
| Net operating income to assets | 0.1197% | 5,918 |
| Return on assets (ROA) | 0.1990% | 5,835 |
| Pretax return on assets | 0.1246% | 6,053 |
| Return on Equity (ROE) | 1.9634% | 5,790 |
| Retained earnings to average equity (ytd only) | 1.3727% | 5,454 |
| Net charge-offs to loans | 0.2990% | 3,599 |
| Credit loss provision to net charge-offs | 186.4407% | 1,572 |
| Earnings coverage of net charge-offs (x) | 2.1017% | 4,095 |
| Efficiency ratio | 91.4642% | 1,074 |
| Assets per employee ($millions) | 2.1077% | 7,200 |
| Cash dividends to net income (ytd only)* | 30.0793% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 4,283 |
| Loan loss allowance to noncurrent loans | 36.0648% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 3.4279% | 1,841 |
| Noncurrent loans to loans | 4.0519% | 1,634 |
| Net loans and leases to total assets | 62.3053% | 3,647 |
| Net loans and leases to deposits | 70.0891% | 4,289 |
| Net loans and leases to core deposits | 71.7913% | 4,740 |
| Total domestic deposits to total assets | 88.8944% | 1,487 |
| Equity capital to assets | 10.0808% | 4,236 |
| Core capital (leverage) ratio | 9.8861% | 3,595 |
| Tier 1 risk-based capital ratio | 15.2326% | 3,529 |
| Total risk-based capital ratio | 16.4859% | 3,491 |
| Memoranda: | ||
| Average total assets | $82,394,500 | 5,425 |
| Average earning assets | $73,091,250 | 5,476 |
| Average equity | $8,353,000 | 5,488 |
| Average total loans | $52,610,250 | 5,210 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 3,223 |
| Cost of funding earning assets | 1.1066% | 3,191 |
| Net interest margin | 3.8800% | 3,393 |
| Noninterest income to average assets | 1.5118% | 560 |
| Noninterest expense to average assets | 4.6113% | 530 |
| Loan and lease loss provision to assets | 0.4403% | 2,234 |
| Net operating income to assets | 0.0391% | 6,147 |
| Return on assets (ROA) | 0.1590% | 5,955 |
| Pretax return on assets | 0.0367% | 6,214 |
| Return on Equity (ROE) | 1.5654% | 5,917 |
| Retained earnings to average equity (ytd only) | 0.9634% | 5,478 |
| Net charge-offs to loans | 0.4544% | 2,761 |
| Credit loss provision to net charge-offs | 151.2605% | 2,020 |
| Earnings coverage of net charge-offs (x) | 1.2269% | 4,369 |
| Efficiency ratio | 92.4175% | 1,071 |
| Assets per employee ($millions) | 2.0521% | 7,266 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 4,644 |
| Loan loss allowance to noncurrent loans | 41.8842% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 3.0432% | 2,211 |
| Noncurrent loans to loans | 3.3066% | 2,161 |
| Net loans and leases to total assets | 64.0190% | 3,454 |
| Net loans and leases to deposits | 72.3919% | 4,056 |
| Net loans and leases to core deposits | 74.2033% | 4,556 |
| Total domestic deposits to total assets | 88.4339% | 1,900 |
| Equity capital to assets | 10.2248% | 3,853 |
| Core capital (leverage) ratio | 9.9838% | 3,282 |
| Tier 1 risk-based capital ratio | 15.1673% | 3,415 |
| Total risk-based capital ratio | 16.4192% | 3,372 |
| Memoranda: | ||
| Average total assets | $81,756,330 | 5,490 |
| Average earning assets | $72,835,670 | 5,529 |
| Average equity | $8,304,330 | 5,520 |
| Average total loans | $52,377,670 | 5,268 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 2,993 |
| Cost of funding earning assets | 1.1346% | 3,266 |
| Net interest margin | 3.8886% | 3,201 |
| Noninterest income to average assets | 1.7747% | 431 |
| Noninterest expense to average assets | 4.6034% | 537 |
| Loan and lease loss provision to assets | 0.4657% | 1,889 |
| Net operating income to assets | 0.2157% | 5,732 |
| Return on assets (ROA) | 0.2157% | 5,795 |
| Pretax return on assets | 0.1667% | 6,010 |
| Return on Equity (ROE) | 2.1308% | 5,739 |
| Retained earnings to average equity (ytd only) | 1.5496% | 5,185 |
| Net charge-offs to loans | 0.9168% | 1,453 |
| Credit loss provision to net charge-offs | 79.8319% | 3,167 |
| Earnings coverage of net charge-offs (x) | 1.0840% | 3,856 |
| Efficiency ratio | 87.5468% | 1,561 |
| Assets per employee ($millions) | 2.0035% | 7,358 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 5,271 |
| Loan loss allowance to noncurrent loans | 51.9904% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 2.7203% | 2,530 |
| Noncurrent loans to loans | 2.4515% | 3,040 |
| Net loans and leases to total assets | 63.1174% | 3,624 |
| Net loans and leases to deposits | 71.4441% | 4,145 |
| Net loans and leases to core deposits | 73.2739% | 4,620 |
| Total domestic deposits to total assets | 88.3451% | 2,173 |
| Equity capital to assets | 10.3322% | 3,367 |
| Core capital (leverage) ratio | 9.9208% | 3,244 |
| Tier 1 risk-based capital ratio | 15.2229% | 3,305 |
| Total risk-based capital ratio | 16.4566% | 3,272 |
| Memoranda: | ||
| Average total assets | $81,592,000 | 5,539 |
| Average earning assets | $72,622,500 | 5,585 |
| Average equity | $8,260,000 | 5,532 |
| Average total loans | $51,922,500 | 5,332 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4599% | 2,435 |
| Cost of funding earning assets | 1.3861% | 3,358 |
| Net interest margin | 4.0738% | 2,685 |
| Noninterest income to average assets | 1.6503% | 538 |
| Noninterest expense to average assets | 4.6328% | 579 |
| Loan and lease loss provision to assets | 0.4261% | 3,560 |
| Net operating income to assets | 0.1287% | 5,516 |
| Return on assets (ROA) | 0.4261% | 4,572 |
| Pretax return on assets | 0.4629% | 4,752 |
| Return on Equity (ROE) | 4.2068% | 4,429 |
| Retained earnings to average equity (ytd only) | 3.6127% | 3,332 |
| Net charge-offs to loans | 0.3704% | 4,181 |
| Credit loss provision to net charge-offs | 177.9487% | 1,865 |
| Earnings coverage of net charge-offs (x) | 2.3897% | 3,941 |
| Efficiency ratio | 88.6294% | 1,429 |
| Assets per employee ($millions) | 2.0762% | 7,385 |
| Cash dividends to net income (ytd only)* | 14.1210% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 5,069 |
| Loan loss allowance to noncurrent loans | 46.3064% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 2.7720% | 2,525 |
| Noncurrent loans to loans | 2.7789% | 2,745 |
| Net loans and leases to total assets | 62.5364% | 4,161 |
| Net loans and leases to deposits | 70.5261% | 4,749 |
| Net loans and leases to core deposits | 72.2560% | 5,182 |
| Total domestic deposits to total assets | 88.6713% | 1,844 |
| Equity capital to assets | 9.9222% | 3,850 |
| Core capital (leverage) ratio | 9.7323% | 3,394 |
| Tier 1 risk-based capital ratio | 14.7694% | 3,387 |
| Total risk-based capital ratio | 16.0152% | 3,343 |
| Memoranda: | ||
| Average total assets | $81,440,200 | 5,554 |
| Average earning assets | $71,063,400 | 5,629 |
| Average equity | $8,248,600 | 5,640 |
| Average total loans | $52,650,600 | 5,370 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5062% | 2,408 |
| Cost of funding earning assets | 1.4395% | 3,334 |
| Net interest margin | 4.0667% | 2,780 |
| Noninterest income to average assets | 1.6518% | 514 |
| Noninterest expense to average assets | 4.6150% | 527 |
| Loan and lease loss provision to assets | 0.3241% | 3,993 |
| Net operating income to assets | 0.2009% | 5,511 |
| Return on assets (ROA) | 0.3768% | 5,042 |
| Pretax return on assets | 0.4623% | 5,036 |
| Return on Equity (ROE) | 3.7006% | 4,914 |
| Retained earnings to average equity (ytd only) | 3.1026% | 4,266 |
| Net charge-offs to loans | 0.3064% | 4,133 |
| Credit loss provision to net charge-offs | 162.8099% | 2,310 |
| Earnings coverage of net charge-offs (x) | 2.8595% | 3,704 |
| Efficiency ratio | 88.6385% | 1,395 |
| Assets per employee ($millions) | 2.1395% | 7,432 |
| Cash dividends to net income (ytd only)* | 16.1563% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 5,703 |
| Loan loss allowance to noncurrent loans | 38.5504% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 3.4192% | 2,076 |
| Noncurrent loans to loans | 2.9874% | 2,673 |
| Net loans and leases to total assets | 61.8221% | 4,568 |
| Net loans and leases to deposits | 69.7991% | 5,180 |
| Net loans and leases to core deposits | 71.5048% | 5,571 |
| Total domestic deposits to total assets | 88.5716% | 1,641 |
| Equity capital to assets | 9.9519% | 4,217 |
| Core capital (leverage) ratio | 9.7130% | 3,605 |
| Tier 1 risk-based capital ratio | 14.3891% | 3,575 |
| Total risk-based capital ratio | 15.4820% | 3,642 |
| Memoranda: | ||
| Average total assets | $81,038,750 | 5,637 |
| Average earning assets | $70,391,750 | 5,726 |
| Average equity | $8,250,750 | 5,715 |
| Average total loans | $52,660,500 | 5,458 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5771% | 2,219 |
| Cost of funding earning assets | 1.4945% | 3,284 |
| Net interest margin | 4.0826% | 2,639 |
| Noninterest income to average assets | 1.6626% | 463 |
| Noninterest expense to average assets | 4.7035% | 473 |
| Loan and lease loss provision to assets | 0.3315% | 3,743 |
| Net operating income to assets | 0.1475% | 5,729 |
| Return on assets (ROA) | 0.2767% | 5,423 |
| Pretax return on assets | 0.2891% | 5,528 |
| Return on Equity (ROE) | 2.6965% | 5,370 |
| Retained earnings to average equity (ytd only) | 2.0892% | 4,810 |
| Net charge-offs to loans | 0.3862% | 3,434 |
| Credit loss provision to net charge-offs | 130.3922% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1.9118% | 4,089 |
| Efficiency ratio | 90.2498% | 1,312 |
| Assets per employee ($millions) | 2.0778% | 7,533 |
| Cash dividends to net income (ytd only)* | 22.5225% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 6,144 |
| Loan loss allowance to noncurrent loans | 48.4743% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 2.8506% | 2,534 |
| Noncurrent loans to loans | 2.1854% | 3,495 |
| Net loans and leases to total assets | 64.0822% | 4,248 |
| Net loans and leases to deposits | 72.1958% | 4,962 |
| Net loans and leases to core deposits | 74.0056% | 5,447 |
| Total domestic deposits to total assets | 88.7616% | 1,563 |
| Equity capital to assets | 10.1721% | 3,808 |
| Core capital (leverage) ratio | 9.9918% | 3,172 |
| Tier 1 risk-based capital ratio | 14.3807% | 3,502 |
| Total risk-based capital ratio | 15.4049% | 3,588 |
| Memoranda: | ||
| Average total assets | $80,238,000 | 5,694 |
| Average earning assets | $69,319,330 | 5,795 |
| Average equity | $8,233,000 | 5,718 |
| Average total loans | $52,818,670 | 5,477 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6404% | 1,988 |
| Cost of funding earning assets | 1.5409% | 3,323 |
| Net interest margin | 4.0995% | 2,443 |
| Noninterest income to average assets | 1.8938% | 365 |
| Noninterest expense to average assets | 4.7545% | 457 |
| Loan and lease loss provision to assets | 0.4108% | 2,904 |
| Net operating income to assets | 0.2956% | 5,318 |
| Return on assets (ROA) | 0.2956% | 5,448 |
| Pretax return on assets | 0.2605% | 5,713 |
| Return on Equity (ROE) | 2.8683% | 5,394 |
| Retained earnings to average equity (ytd only) | 2.2849% | 4,767 |
| Net charge-offs to loans | 0.1434% | 4,074 |
| Credit loss provision to net charge-offs | 431.5789% | 962 |
| Earnings coverage of net charge-offs (x) | 7.0526% | 2,136 |
| Efficiency ratio | 87.6270% | 1,629 |
| Assets per employee ($millions) | 2.0039% | 7,668 |
| Cash dividends to net income (ytd only)* | 20.3390% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 5,893 |
| Loan loss allowance to noncurrent loans | 67.8201% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 2.4252% | 3,002 |
| Noncurrent loans to loans | 1.6591% | 4,256 |
| Net loans and leases to total assets | 64.4585% | 4,229 |
| Net loans and leases to deposits | 72.7278% | 4,957 |
| Net loans and leases to core deposits | 73.5132% | 5,545 |
| Total domestic deposits to total assets | 88.6298% | 1,717 |
| Equity capital to assets | 10.2935% | 3,483 |
| Core capital (leverage) ratio | 9.8820% | 3,303 |
| Tier 1 risk-based capital ratio | 14.4197% | 3,429 |
| Total risk-based capital ratio | 15.5119% | 3,473 |
| Memoranda: | ||
| Average total assets | $79,839,500 | 5,773 |
| Average earning assets | $68,789,500 | 5,884 |
| Average equity | $8,228,000 | 5,755 |
| Average total loans | $52,985,500 | 5,536 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8456% | 2,457 |
| Cost of funding earning assets | 1.7420% | 4,294 |
| Net interest margin | 4.1036% | 2,428 |
| Noninterest income to average assets | 1.9902% | 377 |
| Noninterest expense to average assets | 4.9374% | 543 |
| Loan and lease loss provision to assets | 0.4543% | 4,100 |
| Net operating income to assets | 0.2354% | 4,778 |
| Return on assets (ROA) | 0.2354% | 4,854 |
| Pretax return on assets | 0.2316% | 4,936 |
| Return on Equity (ROE) | 2.2794% | 4,798 |
| Retained earnings to average equity (ytd only) | 1.6757% | 3,913 |
| Net charge-offs to loans | 0.6901% | 3,118 |
| Credit loss provision to net charge-offs | 95.9677% | 5,780 |
| Earnings coverage of net charge-offs (x) | 1.4489% | 4,676 |
| Efficiency ratio | 87.8027% | 1,897 |
| Assets per employee ($millions) | 1.9881% | 7,735 |
| Cash dividends to net income (ytd only)* | 26.4865% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 6,497 |
| Loan loss allowance to noncurrent loans | 69.1700% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 2.3239% | 2,975 |
| Noncurrent loans to loans | 1.4130% | 4,558 |
| Net loans and leases to total assets | 66.8872% | 3,953 |
| Net loans and leases to deposits | 75.6303% | 4,805 |
| Net loans and leases to core deposits | 85.8194% | 5,535 |
| Total domestic deposits to total assets | 88.4397% | 1,754 |
| Equity capital to assets | 10.3179% | 3,385 |
| Core capital (leverage) ratio | 9.8989% | 3,196 |
| Tier 1 risk-based capital ratio | 14.2902% | 3,328 |
| Total risk-based capital ratio | 15.2642% | 3,443 |
| Memoranda: | ||
| Average total assets | $78,584,000 | 5,768 |
| Average earning assets | $69,573,800 | 5,823 |
| Average equity | $8,116,200 | 5,881 |
| Average total loans | $53,903,800 | 5,511 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8703% | 2,581 |
| Cost of funding earning assets | 1.7716% | 4,516 |
| Net interest margin | 4.0987% | 2,404 |
| Noninterest income to average assets | 2.0183% | 358 |
| Noninterest expense to average assets | 5.0048% | 488 |
| Loan and lease loss provision to assets | 0.4629% | 3,593 |
| Net operating income to assets | 0.2178% | 5,095 |
| Return on assets (ROA) | 0.2178% | 5,177 |
| Pretax return on assets | 0.2042% | 5,293 |
| Return on Equity (ROE) | 2.1085% | 5,132 |
| Retained earnings to average equity (ytd only) | 1.3013% | 4,596 |
| Net charge-offs to loans | 0.5190% | 3,140 |
| Credit loss provision to net charge-offs | 129.5238% | 3,871 |
| Earnings coverage of net charge-offs (x) | 1.8667% | 4,409 |
| Efficiency ratio | 88.2388% | 1,847 |
| Assets per employee ($millions) | 1.8615% | 7,872 |
| Cash dividends to net income (ytd only)* | 38.2808% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 5,650 |
| Loan loss allowance to noncurrent loans | 51.8966% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 2.3323% | 2,947 |
| Noncurrent loans to loans | 2.1439% | 3,453 |
| Net loans and leases to total assets | 70.1052% | 3,488 |
| Net loans and leases to deposits | 79.4951% | 4,480 |
| Net loans and leases to core deposits | 90.2140% | 5,410 |
| Total domestic deposits to total assets | 88.1880% | 1,573 |
| Equity capital to assets | 10.6943% | 3,291 |
| Core capital (leverage) ratio | 9.9599% | 3,327 |
| Tier 1 risk-based capital ratio | 14.5400% | 3,255 |
| Total risk-based capital ratio | 15.6846% | 3,256 |
| Memoranda: | ||
| Average total assets | $78,349,500 | 5,817 |
| Average earning assets | $69,841,500 | 5,851 |
| Average equity | $8,094,000 | 5,950 |
| Average total loans | $53,951,000 | 5,558 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8465% | 2,824 |
| Cost of funding earning assets | 1.7827% | 4,845 |
| Net interest margin | 4.0638% | 2,453 |
| Noninterest income to average assets | 2.2043% | 323 |
| Noninterest expense to average assets | 5.0338% | 498 |
| Loan and lease loss provision to assets | 0.3290% | 3,965 |
| Net operating income to assets | 0.3796% | 4,584 |
| Return on assets (ROA) | 0.3796% | 4,688 |
| Pretax return on assets | 0.4530% | 4,776 |
| Return on Equity (ROE) | 3.7169% | 4,610 |
| Retained earnings to average equity (ytd only) | 2.5027% | 3,939 |
| Net charge-offs to loans | 0.7681% | 2,140 |
| Credit loss provision to net charge-offs | 62.8019% | 5,545 |
| Earnings coverage of net charge-offs (x) | 1.4928% | 4,415 |
| Efficiency ratio | 86.5535% | 2,174 |
| Assets per employee ($millions) | 1.9378% | 7,896 |
| Cash dividends to net income (ytd only)* | 32.6667% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 6,954 |
| Loan loss allowance to noncurrent loans | 38.5833% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 2.0831% | 3,080 |
| Noncurrent loans to loans | 2.2193% | 3,237 |
| Net loans and leases to total assets | 67.4726% | 4,258 |
| Net loans and leases to deposits | 76.1961% | 5,141 |
| Net loans and leases to core deposits | 86.1060% | 5,890 |
| Total domestic deposits to total assets | 88.5513% | 1,505 |
| Equity capital to assets | 10.2140% | 3,704 |
| Core capital (leverage) ratio | 9.8471% | 3,453 |
| Tier 1 risk-based capital ratio | 14.3480% | 3,330 |
| Total risk-based capital ratio | 15.2103% | 3,477 |
| Memoranda: | ||
| Average total assets | $79,025,670 | 5,834 |
| Average earning assets | $70,230,330 | 5,877 |
| Average equity | $8,071,330 | 5,993 |
| Average total loans | $53,899,000 | 5,602 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8134% | 3,232 |
| Cost of funding earning assets | 1.7796% | 5,212 |
| Net interest margin | 4.0338% | 2,516 |
| Noninterest income to average assets | 2.2889% | 286 |
| Noninterest expense to average assets | 4.8317% | 543 |
| Loan and lease loss provision to assets | 0.3553% | 3,188 |
| Net operating income to assets | 0.5583% | 4,189 |
| Return on assets (ROA) | 0.5583% | 4,373 |
| Pretax return on assets | 0.7258% | 4,337 |
| Return on Equity (ROE) | 5.4662% | 4,263 |
| Retained earnings to average equity (ytd only) | 4.2239% | 3,555 |
| Net charge-offs to loans | 0.3791% | 2,575 |
| Credit loss provision to net charge-offs | 137.2549% | 2,954 |
| Earnings coverage of net charge-offs (x) | 4.1765% | 2,953 |
| Efficiency ratio | 81.7167% | 2,577 |
| Assets per employee ($millions) | 1.9784% | 7,911 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 6,063 |
| Loan loss allowance to noncurrent loans | 33.4130% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 2.0625% | 2,803 |
| Noncurrent loans to loans | 3.0436% | 2,145 |
| Net loans and leases to total assets | 67.0760% | 4,325 |
| Net loans and leases to deposits | 75.5300% | 5,290 |
| Net loans and leases to core deposits | 84.8058% | 5,996 |
| Total domestic deposits to total assets | 88.8071% | 1,338 |
| Equity capital to assets | 10.0291% | 3,970 |
| Core capital (leverage) ratio | 9.9300% | 3,484 |
| Tier 1 risk-based capital ratio | 14.0904% | 3,531 |
| Total risk-based capital ratio | 15.1203% | 3,583 |
| Memoranda: | ||
| Average total assets | $78,813,500 | 5,863 |
| Average earning assets | $70,802,000 | 5,886 |
| Average equity | $8,049,500 | 6,044 |
| Average total loans | $53,813,500 | 5,639 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2164% | 4,431 |
| Cost of funding earning assets | 2.2073% | 5,565 |
| Net interest margin | 4.0091% | 3,070 |
| Noninterest income to average assets | 1.7196% | 460 |
| Noninterest expense to average assets | 4.5534% | 843 |
| Loan and lease loss provision to assets | 0.1152% | 5,900 |
| Net operating income to assets | 0.5933% | 4,327 |
| Return on assets (ROA) | 0.5933% | 4,196 |
| Pretax return on assets | 0.6924% | 4,425 |
| Return on Equity (ROE) | 5.6932% | 4,072 |
| Retained earnings to average equity (ytd only) | 2.5446% | 3,620 |
| Net charge-offs to loans | 0.0395% | 6,237 |
| Credit loss provision to net charge-offs | 430.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 30.1500% | 1,170 |
| Efficiency ratio | 84.9363% | 1,956 |
| Assets per employee ($millions) | 1.9128% | 7,975 |
| Cash dividends to net income (ytd only)* | 55.3047% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 5,816 |
| Loan loss allowance to noncurrent loans | 37.1389% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 1.9003% | 2,589 |
| Noncurrent loans to loans | 2.7611% | 1,964 |
| Net loans and leases to total assets | 68.1191% | 4,448 |
| Net loans and leases to deposits | 77.2915% | 5,432 |
| Net loans and leases to core deposits | 84.9538% | 6,216 |
| Total domestic deposits to total assets | 88.1327% | 1,413 |
| Equity capital to assets | 10.4087% | 3,601 |
| Core capital (leverage) ratio | 10.3180% | 3,158 |
| Tier 1 risk-based capital ratio | 14.8357% | 3,129 |
| Total risk-based capital ratio | 15.8954% | 3,149 |
| Memoranda: | ||
| Average total assets | $74,670,000 | 5,888 |
| Average earning assets | $67,820,400 | 5,903 |
| Average equity | $7,781,200 | 6,177 |
| Average total loans | $50,663,600 | 5,679 |