Home > Union State Bank > Performance and Condition Ratios
Union State Bank, Performance and Condition Ratios
| 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 | 3.5835% | 5,219 |
| Cost of funding earning assets | 0.3111% | 4,956 |
| Net interest margin | 3.2724% | 4,657 |
| Noninterest income to average assets | 0.6258% | 2,592 |
| Noninterest expense to average assets | 3.4632% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2266% | 5,724 |
| Return on assets (ROA) | 0.2266% | 5,777 |
| Pretax return on assets | 0.2266% | 5,878 |
| Return on Equity (ROE) | 2.7424% | 5,546 |
| Retained earnings to average equity (ytd only) | 2.7424% | 4,443 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8596% | 758 |
| Assets per employee ($millions) | 4.2674% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 5,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 38.8653% | 5,881 |
| Net loans and leases to deposits | 42.2813% | 6,062 |
| Net loans and leases to core deposits | 42.2813% | 6,148 |
| Total domestic deposits to total assets | 91.9207% | 263 |
| Equity capital to assets | 7.9959% | 6,064 |
| Core capital (leverage) ratio | 8.2184% | 5,929 |
| Tier 1 risk-based capital ratio | 16.5355% | 2,882 |
| Total risk-based capital ratio | 17.3552% | 3,078 |
| Memoranda: | ||
| Average total assets | $37,075,500 | 6,299 |
| Average earning assets | $34,715,000 | 6,264 |
| Average equity | $3,063,000 | 6,435 |
| Average total loans | $15,511,500 | 6,328 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 2,628 |
| Cost of funding earning assets | 0.3465% | 5,175 |
| Net interest margin | 4.0398% | 1,837 |
| Noninterest income to average assets | 0.6826% | 2,638 |
| Noninterest expense to average assets | 4.1202% | 761 |
| Loan and lease loss provision to assets | 0.0826% | 3,468 |
| Net operating income to assets | 0.2339% | 5,737 |
| Return on assets (ROA) | 0.2339% | 5,802 |
| Pretax return on assets | 0.2339% | 5,878 |
| Return on Equity (ROE) | 2.8116% | 5,579 |
| Retained earnings to average equity (ytd only) | 1.3231% | 5,228 |
| Net charge-offs to loans | 0.5459% | 1,215 |
| Credit loss provision to net charge-offs | 30.6122% | 4,238 |
| Earnings coverage of net charge-offs (x) | 1.1735% | 4,675 |
| Efficiency ratio | 92.8660% | 817 |
| Assets per employee ($millions) | 3.2495% | 5,393 |
| Cash dividends to net income (ytd only)* | 52.9412% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 5,790 |
| Loan loss allowance to noncurrent loans | 2,142.8571% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 6,348 |
| Noncurrent loans to loans | 0.0439% | 6,107 |
| Net loans and leases to total assets | 44.1920% | 5,659 |
| Net loans and leases to deposits | 48.4020% | 5,874 |
| Net loans and leases to core deposits | 48.4020% | 6,010 |
| Total domestic deposits to total assets | 91.3020% | 467 |
| Equity capital to assets | 8.5469% | 5,536 |
| Core capital (leverage) ratio | 8.1796% | 5,992 |
| Tier 1 risk-based capital ratio | 15.8450% | 3,181 |
| Total risk-based capital ratio | 16.6368% | 3,387 |
| Memoranda: | ||
| Average total assets | $36,333,400 | 6,382 |
| Average earning assets | $33,764,000 | 6,353 |
| Average equity | $3,023,200 | 6,527 |
| Average total loans | $17,950,600 | 6,284 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 2,485 |
| Cost of funding earning assets | 0.3471% | 5,323 |
| Net interest margin | 4.0865% | 1,670 |
| Noninterest income to average assets | 0.6652% | 2,798 |
| Noninterest expense to average assets | 4.1628% | 711 |
| Loan and lease loss provision to assets | 0.1096% | 2,937 |
| Net operating income to assets | 0.1791% | 5,967 |
| Return on assets (ROA) | 0.1791% | 6,033 |
| Pretax return on assets | 0.1791% | 6,075 |
| Return on Equity (ROE) | 2.1667% | 5,888 |
| Retained earnings to average equity (ytd only) | 0.1768% | 5,883 |
| Net charge-offs to loans | 0.6070% | 1,027 |
| Credit loss provision to net charge-offs | 35.7143% | 3,792 |
| Earnings coverage of net charge-offs (x) | 0.9404% | 4,538 |
| Efficiency ratio | 93.5140% | 766 |
| Assets per employee ($millions) | 3.0485% | 5,776 |
| Cash dividends to net income (ytd only)* | 91.8414% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 5,967 |
| Loan loss allowance to noncurrent loans | 656.0000% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 6,239 |
| Noncurrent loans to loans | 0.1422% | 5,899 |
| Net loans and leases to total assets | 47.6108% | 5,391 |
| Net loans and leases to deposits | 52.0423% | 5,703 |
| Net loans and leases to core deposits | 52.0423% | 5,888 |
| Total domestic deposits to total assets | 91.4849% | 374 |
| Equity capital to assets | 8.2308% | 5,977 |
| Core capital (leverage) ratio | 8.1153% | 6,139 |
| Tier 1 risk-based capital ratio | 14.6735% | 3,966 |
| Total risk-based capital ratio | 15.4843% | 4,210 |
| Memoranda: | ||
| Average total assets | $36,480,750 | 6,449 |
| Average earning assets | $33,801,250 | 6,425 |
| Average equity | $3,015,250 | 6,598 |
| Average total loans | $18,451,750 | 6,339 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4897% | 2,236 |
| Cost of funding earning assets | 0.3504% | 5,404 |
| Net interest margin | 4.1393% | 1,437 |
| Noninterest income to average assets | 0.6530% | 2,898 |
| Noninterest expense to average assets | 4.1375% | 747 |
| Loan and lease loss provision to assets | 0.1646% | 2,268 |
| Net operating income to assets | 0.1756% | 5,965 |
| Return on assets (ROA) | 0.1756% | 6,076 |
| Pretax return on assets | 0.1756% | 6,115 |
| Return on Equity (ROE) | 2.1215% | 5,910 |
| Retained earnings to average equity (ytd only) | -0.8619% | 6,023 |
| Net charge-offs to loans | 0.8217% | 767 |
| Credit loss provision to net charge-offs | 38.9610% | 3,437 |
| Earnings coverage of net charge-offs (x) | 0.8052% | 4,258 |
| Efficiency ratio | 92.4020% | 868 |
| Assets per employee ($millions) | 2.7397% | 6,235 |
| Cash dividends to net income (ytd only)* | 140.6250% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 6,045 |
| Loan loss allowance to noncurrent loans | 1,554.5455% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 6,434 |
| Noncurrent loans to loans | 0.0599% | 6,206 |
| Net loans and leases to total assets | 51.0838% | 4,987 |
| Net loans and leases to deposits | 55.9007% | 5,355 |
| Net loans and leases to core deposits | 55.9007% | 5,602 |
| Total domestic deposits to total assets | 91.3831% | 414 |
| Equity capital to assets | 8.4288% | 5,843 |
| Core capital (leverage) ratio | 8.1077% | 6,099 |
| Tier 1 risk-based capital ratio | 14.1217% | 4,345 |
| Total risk-based capital ratio | 14.9397% | 4,610 |
| Memoranda: | ||
| Average total assets | $36,447,000 | 6,495 |
| Average earning assets | $33,677,330 | 6,476 |
| Average equity | $3,016,670 | 6,646 |
| Average total loans | $18,742,000 | 6,366 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 2,085 |
| Cost of funding earning assets | 0.3391% | 5,645 |
| Net interest margin | 4.1857% | 1,228 |
| Noninterest income to average assets | 0.6836% | 2,685 |
| Noninterest expense to average assets | 4.2319% | 683 |
| Loan and lease loss provision to assets | 0.1628% | 2,234 |
| Net operating income to assets | 0.1736% | 5,972 |
| Return on assets (ROA) | 0.1736% | 6,071 |
| Pretax return on assets | 0.1736% | 6,126 |
| Return on Equity (ROE) | 2.1164% | 5,900 |
| Retained earnings to average equity (ytd only) | -2.5132% | 6,140 |
| Net charge-offs to loans | -0.0211% | 5,738 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6366% | 935 |
| Assets per employee ($millions) | 2.8319% | 6,242 |
| Cash dividends to net income (ytd only)* | 218.7500% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 5,071 |
| Loan loss allowance to noncurrent loans | 47.2727% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 1.3446% | 3,267 |
| Noncurrent loans to loans | 2.5886% | 1,996 |
| Net loans and leases to total assets | 51.3052% | 4,792 |
| Net loans and leases to deposits | 55.9976% | 5,242 |
| Net loans and leases to core deposits | 55.9976% | 5,520 |
| Total domestic deposits to total assets | 91.6203% | 324 |
| Equity capital to assets | 8.1733% | 6,272 |
| Core capital (leverage) ratio | 8.2162% | 5,922 |
| Tier 1 risk-based capital ratio | 13.9330% | 4,557 |
| Total risk-based capital ratio | 15.0397% | 4,621 |
| Memoranda: | ||
| Average total assets | $36,862,500 | 6,553 |
| Average earning assets | $34,211,500 | 6,517 |
| Average equity | $3,024,000 | 6,718 |
| Average total loans | $18,930,500 | 6,412 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3431% | 839 |
| Cost of funding earning assets | 0.4882% | 5,298 |
| Net interest margin | 4.8549% | 493 |
| Noninterest income to average assets | 0.7654% | 2,415 |
| Noninterest expense to average assets | 4.6995% | 478 |
| Loan and lease loss provision to assets | 0.1646% | 3,552 |
| Net operating income to assets | 0.4033% | 5,090 |
| Return on assets (ROA) | 0.4033% | 5,338 |
| Pretax return on assets | 0.4033% | 5,569 |
| Return on Equity (ROE) | 4.7727% | 4,802 |
| Retained earnings to average equity (ytd only) | -2.2078% | 6,189 |
| Net charge-offs to loans | 0.5104% | 2,202 |
| Credit loss provision to net charge-offs | 58.8235% | 4,477 |
| Earnings coverage of net charge-offs (x) | 2.0294% | 4,398 |
| Efficiency ratio | 89.2188% | 1,129 |
| Assets per employee ($millions) | 2.8392% | 6,260 |
| Cash dividends to net income (ytd only)* | 146.2585% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 5,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 6,472 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 50.1788% | 5,145 |
| Net loans and leases to deposits | 54.8543% | 5,566 |
| Net loans and leases to core deposits | 54.8543% | 5,812 |
| Total domestic deposits to total assets | 91.4766% | 343 |
| Equity capital to assets | 8.2335% | 6,254 |
| Core capital (leverage) ratio | 8.0643% | 6,127 |
| Tier 1 risk-based capital ratio | 13.8216% | 4,519 |
| Total risk-based capital ratio | 14.8378% | 4,633 |
| Memoranda: | ||
| Average total assets | $36,451,000 | 6,600 |
| Average earning assets | $33,800,600 | 6,561 |
| Average equity | $3,080,000 | 6,771 |
| Average total loans | $19,983,000 | 6,426 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 785 |
| Cost of funding earning assets | 0.5215% | 5,296 |
| Net interest margin | 4.9072% | 462 |
| Noninterest income to average assets | 0.7595% | 2,428 |
| Noninterest expense to average assets | 4.8142% | 418 |
| Loan and lease loss provision to assets | 0.1651% | 3,459 |
| Net operating income to assets | 0.3376% | 5,487 |
| Return on assets (ROA) | 0.3376% | 5,684 |
| Pretax return on assets | 0.3376% | 5,876 |
| Return on Equity (ROE) | 3.9693% | 5,304 |
| Retained earnings to average equity (ytd only) | 0.7336% | 5,858 |
| Net charge-offs to loans | 0.4993% | 2,121 |
| Credit loss provision to net charge-offs | 59.2105% | 4,160 |
| Earnings coverage of net charge-offs (x) | 1.8026% | 4,363 |
| Efficiency ratio | 90.5452% | 1,000 |
| Assets per employee ($millions) | 3.0826% | 5,891 |
| Cash dividends to net income (ytd only)* | 81.5262% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,300 |
| Loan loss allowance to noncurrent loans | 1,090.4762% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 6,429 |
| Noncurrent loans to loans | 0.1097% | 6,341 |
| Net loans and leases to total assets | 51.1232% | 5,170 |
| Net loans and leases to deposits | 56.1091% | 5,626 |
| Net loans and leases to core deposits | 57.0640% | 5,806 |
| Total domestic deposits to total assets | 91.1141% | 387 |
| Equity capital to assets | 8.4858% | 6,272 |
| Core capital (leverage) ratio | 8.3509% | 5,945 |
| Tier 1 risk-based capital ratio | 13.9889% | 4,533 |
| Total risk-based capital ratio | 15.0392% | 4,653 |
| Memoranda: | ||
| Average total assets | $36,336,250 | 6,681 |
| Average earning assets | $33,745,750 | 6,649 |
| Average equity | $3,090,250 | 6,852 |
| Average total loans | $20,294,000 | 6,500 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5707% | 610 |
| Cost of funding earning assets | 0.5779% | 5,085 |
| Net interest margin | 4.9928% | 407 |
| Noninterest income to average assets | 0.7697% | 2,337 |
| Noninterest expense to average assets | 5.0557% | 360 |
| Loan and lease loss provision to assets | 0.1661% | 3,446 |
| Net operating income to assets | 0.1883% | 5,953 |
| Return on assets (ROA) | 0.1883% | 6,128 |
| Pretax return on assets | 0.1883% | 6,166 |
| Return on Equity (ROE) | 2.2121% | 5,979 |
| Retained earnings to average equity (ytd only) | -2.6675% | 6,425 |
| Net charge-offs to loans | 0.5706% | 1,886 |
| Credit loss provision to net charge-offs | 50.8475% | 4,013 |
| Earnings coverage of net charge-offs (x) | 1.0847% | 4,475 |
| Efficiency ratio | 93.4493% | 833 |
| Assets per employee ($millions) | 2.5389% | 6,725 |
| Cash dividends to net income (ytd only)* | 220.5882% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 5,493 |
| Loan loss allowance to noncurrent loans | 138.3234% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 5,433 |
| Noncurrent loans to loans | 0.8439% | 4,827 |
| Net loans and leases to total assets | 55.0276% | 4,629 |
| Net loans and leases to deposits | 60.3729% | 5,212 |
| Net loans and leases to core deposits | 61.9407% | 5,393 |
| Total domestic deposits to total assets | 91.1462% | 408 |
| Equity capital to assets | 8.5415% | 6,170 |
| Core capital (leverage) ratio | 8.1626% | 6,083 |
| Tier 1 risk-based capital ratio | 13.3213% | 4,951 |
| Total risk-based capital ratio | 14.3637% | 5,078 |
| Memoranda: | ||
| Average total assets | $36,118,000 | 6,731 |
| Average earning assets | $33,568,330 | 6,698 |
| Average equity | $3,074,000 | 6,895 |
| Average total loans | $20,678,670 | 6,531 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6869% | 529 |
| Cost of funding earning assets | 0.5781% | 5,292 |
| Net interest margin | 5.1088% | 337 |
| Noninterest income to average assets | 0.7142% | 2,587 |
| Noninterest expense to average assets | 5.0652% | 349 |
| Loan and lease loss provision to assets | 0.1648% | 3,330 |
| Net operating income to assets | 0.2417% | 5,851 |
| Return on assets (ROA) | 0.2417% | 5,995 |
| Pretax return on assets | 0.2417% | 6,104 |
| Return on Equity (ROE) | 2.8451% | 5,771 |
| Retained earnings to average equity (ytd only) | 2.8451% | 4,824 |
| Net charge-offs to loans | 0.4166% | 2,056 |
| Credit loss provision to net charge-offs | 68.1818% | 2,951 |
| Earnings coverage of net charge-offs (x) | 1.6818% | 3,490 |
| Efficiency ratio | 92.5703% | 903 |
| Assets per employee ($millions) | 2.8856% | 6,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 5,469 |
| Loan loss allowance to noncurrent loans | 129.0816% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 5,560 |
| Noncurrent loans to loans | 0.9316% | 4,802 |
| Net loans and leases to total assets | 55.4128% | 4,483 |
| Net loans and leases to deposits | 60.5541% | 5,088 |
| Net loans and leases to core deposits | 62.7854% | 5,247 |
| Total domestic deposits to total assets | 91.5096% | 375 |
| Equity capital to assets | 8.2531% | 6,312 |
| Core capital (leverage) ratio | 8.2725% | 5,920 |
| Tier 1 risk-based capital ratio | 12.8495% | 5,325 |
| Total risk-based capital ratio | 13.9277% | 5,428 |
| Memoranda: | ||
| Average total assets | $36,405,000 | 6,784 |
| Average earning assets | $33,902,500 | 6,746 |
| Average equity | $3,093,000 | 6,937 |
| Average total loans | $21,123,000 | 6,553 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3767% | 223 |
| Cost of funding earning assets | 0.7006% | 5,537 |
| Net interest margin | 5.6762% | 134 |
| Noninterest income to average assets | 0.7880% | 2,128 |
| Noninterest expense to average assets | 5.0791% | 362 |
| Loan and lease loss provision to assets | 0.3020% | 3,255 |
| Net operating income to assets | 0.6500% | 3,737 |
| Return on assets (ROA) | 0.6500% | 3,933 |
| Pretax return on assets | 0.6500% | 4,508 |
| Return on Equity (ROE) | 7.5707% | 3,115 |
| Retained earnings to average equity (ytd only) | 5.8958% | 2,079 |
| Net charge-offs to loans | 0.4367% | 3,256 |
| Credit loss provision to net charge-offs | 108.2474% | 3,117 |
| Earnings coverage of net charge-offs (x) | 3.4124% | 3,532 |
| Efficiency ratio | 84.2155% | 1,741 |
| Assets per employee ($millions) | 2.5212% | 6,813 |
| Cash dividends to net income (ytd only)* | 22.1239% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 5,271 |
| Loan loss allowance to noncurrent loans | 130.0000% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 5,555 |
| Noncurrent loans to loans | 0.9431% | 4,818 |
| Net loans and leases to total assets | 59.3422% | 4,126 |
| Net loans and leases to deposits | 65.2239% | 4,845 |
| Net loans and leases to core deposits | 67.2294% | 5,132 |
| Total domestic deposits to total assets | 90.9822% | 514 |
| Equity capital to assets | 8.7543% | 5,846 |
| Core capital (leverage) ratio | 8.5553% | 5,472 |
| Tier 1 risk-based capital ratio | 12.6378% | 5,343 |
| Total risk-based capital ratio | 13.7356% | 5,448 |
| Memoranda: | ||
| Average total assets | $34,769,600 | 6,836 |
| Average earning assets | $32,116,800 | 6,805 |
| Average equity | $2,985,200 | 7,011 |
| Average total loans | $22,212,600 | 6,544 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3665% | 240 |
| Cost of funding earning assets | 0.7348% | 5,561 |
| Net interest margin | 5.6318% | 148 |
| Noninterest income to average assets | 0.7737% | 2,176 |
| Noninterest expense to average assets | 5.1234% | 334 |
| Loan and lease loss provision to assets | 0.1732% | 4,304 |
| Net operating income to assets | 0.6698% | 3,774 |
| Return on assets (ROA) | 0.6698% | 3,941 |
| Pretax return on assets | 0.6698% | 4,576 |
| Return on Equity (ROE) | 7.8401% | 3,110 |
| Retained earnings to average equity (ytd only) | 5.5874% | 2,802 |
| Net charge-offs to loans | 0.2790% | 3,685 |
| Credit loss provision to net charge-offs | 95.7447% | 3,575 |
| Earnings coverage of net charge-offs (x) | 4.6592% | 2,992 |
| Efficiency ratio | 85.8710% | 1,544 |
| Assets per employee ($millions) | 2.3831% | 7,006 |
| Cash dividends to net income (ytd only)* | 28.7383% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 5,832 |
| Loan loss allowance to noncurrent loans | 95.4198% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 5,206 |
| Noncurrent loans to loans | 1.1681% | 4,589 |
| Net loans and leases to total assets | 66.4808% | 2,788 |
| Net loans and leases to deposits | 73.5899% | 3,707 |
| Net loans and leases to core deposits | 76.2881% | 4,164 |
| Total domestic deposits to total assets | 90.3396% | 699 |
| Equity capital to assets | 9.1598% | 5,572 |
| Core capital (leverage) ratio | 8.6107% | 5,534 |
| Tier 1 risk-based capital ratio | 11.9606% | 5,922 |
| Total risk-based capital ratio | 12.9773% | 6,082 |
| Memoranda: | ||
| Average total assets | $34,637,750 | 6,903 |
| Average earning assets | $31,937,000 | 6,872 |
| Average equity | $2,959,000 | 7,084 |
| Average total loans | $22,464,250 | 6,601 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1900% | 334 |
| Cost of funding earning assets | 0.7621% | 5,610 |
| Net interest margin | 5.4279% | 200 |
| Noninterest income to average assets | 0.7244% | 2,406 |
| Noninterest expense to average assets | 5.0310% | 362 |
| Loan and lease loss provision to assets | 0.1711% | 4,221 |
| Net operating income to assets | 0.5191% | 4,422 |
| Return on assets (ROA) | 0.5191% | 4,563 |
| Pretax return on assets | 0.5191% | 4,996 |
| Return on Equity (ROE) | 6.2187% | 3,841 |
| Retained earnings to average equity (ytd only) | 2.8018% | 4,498 |
| Net charge-offs to loans | 0.2670% | 3,551 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 4.0333% | 2,986 |
| Efficiency ratio | 87.9362% | 1,420 |
| Assets per employee ($millions) | 2.6612% | 6,696 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 5,908 |
| Loan loss allowance to noncurrent loans | 124.7525% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 5,752 |
| Noncurrent loans to loans | 0.8915% | 5,187 |
| Net loans and leases to total assets | 64.7666% | 3,303 |
| Net loans and leases to deposits | 71.0580% | 4,283 |
| Net loans and leases to core deposits | 73.5370% | 4,632 |
| Total domestic deposits to total assets | 91.1461% | 446 |
| Equity capital to assets | 8.5561% | 6,117 |
| Core capital (leverage) ratio | 8.1666% | 6,078 |
| Tier 1 risk-based capital ratio | 11.4015% | 6,243 |
| Total risk-based capital ratio | 12.4072% | 6,407 |
| Memoranda: | ||
| Average total assets | $35,062,670 | 6,953 |
| Average earning assets | $32,277,670 | 6,929 |
| Average equity | $2,926,670 | 7,146 |
| Average total loans | $22,475,670 | 6,664 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9901% | 483 |
| Cost of funding earning assets | 0.7733% | 5,727 |
| Net interest margin | 5.2168% | 251 |
| Noninterest income to average assets | 0.6913% | 2,622 |
| Noninterest expense to average assets | 4.8843% | 404 |
| Loan and lease loss provision to assets | 0.1700% | 3,928 |
| Net operating income to assets | 0.4533% | 4,699 |
| Return on assets (ROA) | 0.4533% | 4,790 |
| Pretax return on assets | 0.4533% | 5,175 |
| Return on Equity (ROE) | 5.4983% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.4983% | 2,910 |
| Net charge-offs to loans | 0.1787% | 3,424 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,269 |
| Efficiency ratio | 88.6831% | 1,448 |
| Assets per employee ($millions) | 2.6761% | 6,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 5,865 |
| Loan loss allowance to noncurrent loans | 122.3810% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 5,764 |
| Noncurrent loans to loans | 0.9368% | 5,161 |
| Net loans and leases to total assets | 63.6983% | 3,498 |
| Net loans and leases to deposits | 69.7206% | 4,390 |
| Net loans and leases to core deposits | 72.1237% | 4,772 |
| Total domestic deposits to total assets | 91.3622% | 460 |
| Equity capital to assets | 8.4596% | 5,965 |
| Core capital (leverage) ratio | 8.0907% | 6,142 |
| Tier 1 risk-based capital ratio | 11.5044% | 6,103 |
| Total risk-based capital ratio | 12.5393% | 6,247 |
| Memoranda: | ||
| Average total assets | $35,296,500 | 6,995 |
| Average earning assets | $32,587,000 | 6,970 |
| Average equity | $2,910,000 | 7,193 |
| Average total loans | $22,384,500 | 6,719 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2423% | 518 |
| Cost of funding earning assets | 0.8787% | 6,248 |
| Net interest margin | 5.3635% | 218 |
| Noninterest income to average assets | 0.7386% | 2,603 |
| Noninterest expense to average assets | 4.9671% | 420 |
| Loan and lease loss provision to assets | 0.1412% | 5,771 |
| Net operating income to assets | 0.4796% | 4,195 |
| Return on assets (ROA) | 0.4796% | 4,350 |
| Pretax return on assets | 0.4796% | 4,690 |
| Return on Equity (ROE) | 5.7732% | 3,709 |
| Retained earnings to average equity (ytd only) | 5.6315% | 2,031 |
| Net charge-offs to loans | 0.1390% | 5,535 |
| Credit loss provision to net charge-offs | 154.8387% | 2,288 |
| Earnings coverage of net charge-offs (x) | 6.8065% | 2,267 |
| Efficiency ratio | 88.8889% | 1,401 |
| Assets per employee ($millions) | 2.9837% | 6,134 |
| Cash dividends to net income (ytd only)* | 2.4540% | 3,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,838 |
| Loan loss allowance to noncurrent loans | 139.2265% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 6,014 |
| Noncurrent loans to loans | 0.8098% | 5,428 |
| Net loans and leases to total assets | 61.7249% | 4,343 |
| Net loans and leases to deposits | 67.2325% | 5,209 |
| Net loans and leases to core deposits | 69.4641% | 5,494 |
| Total domestic deposits to total assets | 91.8082% | 322 |
| Equity capital to assets | 8.0354% | 6,459 |
| Core capital (leverage) ratio | 7.8797% | 6,346 |
| Tier 1 risk-based capital ratio | 11.7950% | 5,653 |
| Total risk-based capital ratio | 12.8501% | 5,831 |
| Memoranda: | ||
| Average total assets | $33,983,400 | 7,078 |
| Average earning assets | $30,726,000 | 7,064 |
| Average equity | $2,823,400 | 7,320 |
| Average total loans | $22,298,200 | 6,806 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2728% | 538 |
| Cost of funding earning assets | 0.9024% | 6,383 |
| Net interest margin | 5.3704% | 216 |
| Noninterest income to average assets | 0.7277% | 2,656 |
| Noninterest expense to average assets | 5.0185% | 375 |
| Loan and lease loss provision to assets | 0.1670% | 5,372 |
| Net operating income to assets | 0.3698% | 4,887 |
| Return on assets (ROA) | 0.3698% | 5,070 |
| Pretax return on assets | 0.3698% | 5,315 |
| Return on Equity (ROE) | 4.4128% | 4,593 |
| Retained earnings to average equity (ytd only) | 4.2228% | 3,514 |
| Net charge-offs to loans | 0.0957% | 5,575 |
| Credit loss provision to net charge-offs | 262.5000% | 1,257 |
| Earnings coverage of net charge-offs (x) | 8.4388% | 2,164 |
| Efficiency ratio | 90.3364% | 1,260 |
| Assets per employee ($millions) | 2.7190% | 6,748 |
| Cash dividends to net income (ytd only)* | 4.2984% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 5,372 |
| Loan loss allowance to noncurrent loans | 135.2332% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 6,060 |
| Noncurrent loans to loans | 0.9057% | 5,436 |
| Net loans and leases to total assets | 59.5496% | 4,992 |
| Net loans and leases to deposits | 65.0062% | 5,789 |
| Net loans and leases to core deposits | 67.7405% | 5,966 |
| Total domestic deposits to total assets | 91.6061% | 280 |
| Equity capital to assets | 8.0997% | 6,712 |
| Core capital (leverage) ratio | 7.8496% | 6,518 |
| Tier 1 risk-based capital ratio | 12.1879% | 5,287 |
| Total risk-based capital ratio | 13.3410% | 5,340 |
| Memoranda: | ||
| Average total assets | $33,528,250 | 7,183 |
| Average earning assets | $30,139,750 | 7,171 |
| Average equity | $2,810,000 | 7,417 |
| Average total loans | $22,284,750 | 6,896 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4438% | 380 |
| Cost of funding earning assets | 0.9167% | 6,511 |
| Net interest margin | 5.5271% | 159 |
| Noninterest income to average assets | 0.7290% | 2,526 |
| Noninterest expense to average assets | 5.1516% | 338 |
| Loan and lease loss provision to assets | 0.1822% | 5,045 |
| Net operating income to assets | 0.3402% | 5,023 |
| Return on assets (ROA) | 0.3402% | 5,186 |
| Pretax return on assets | 0.3402% | 5,394 |
| Return on Equity (ROE) | 4.0110% | 4,772 |
| Retained earnings to average equity (ytd only) | 3.7245% | 3,731 |
| Net charge-offs to loans | 0.1415% | 4,811 |
| Credit loss provision to net charge-offs | 187.5000% | 2,099 |
| Earnings coverage of net charge-offs (x) | 5.3750% | 2,681 |
| Efficiency ratio | 90.7923% | 1,275 |
| Assets per employee ($millions) | 2.6080% | 6,940 |
| Cash dividends to net income (ytd only)* | 7.1429% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,812 |
| Loan loss allowance to noncurrent loans | 151.8293% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 6,242 |
| Noncurrent loans to loans | 0.7420% | 5,772 |
| Net loans and leases to total assets | 64.4555% | 4,168 |
| Net loans and leases to deposits | 70.4754% | 5,210 |
| Net loans and leases to core deposits | 72.9528% | 5,562 |
| Total domestic deposits to total assets | 91.4582% | 343 |
| Equity capital to assets | 8.3147% | 6,410 |
| Core capital (leverage) ratio | 8.1258% | 6,075 |
| Tier 1 risk-based capital ratio | 11.3614% | 5,896 |
| Total risk-based capital ratio | 12.4100% | 6,073 |
| Memoranda: | ||
| Average total assets | $32,922,000 | 7,259 |
| Average earning assets | $29,454,670 | 7,245 |
| Average equity | $2,792,330 | 7,476 |
| Average total loans | $22,609,670 | 6,930 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4499% | 397 |
| Cost of funding earning assets | 0.9234% | 6,682 |
| Net interest margin | 5.5266% | 172 |
| Noninterest income to average assets | 0.6290% | 3,093 |
| Noninterest expense to average assets | 5.1926% | 319 |
| Loan and lease loss provision to assets | 0.1850% | 4,656 |
| Net operating income to assets | 0.1973% | 5,697 |
| Return on assets (ROA) | 0.1973% | 5,816 |
| Pretax return on assets | 0.1973% | 5,882 |
| Return on Equity (ROE) | 2.3030% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.3030% | 4,756 |
| Net charge-offs to loans | 0.1050% | 4,373 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 5.1667% | 2,450 |
| Efficiency ratio | 93.1416% | 1,191 |
| Assets per employee ($millions) | 2.9103% | 6,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 6,067 |
| Loan loss allowance to noncurrent loans | 111.9266% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 5,808 |
| Noncurrent loans to loans | 0.9710% | 5,393 |
| Net loans and leases to total assets | 69.3656% | 3,075 |
| Net loans and leases to deposits | 76.1105% | 4,390 |
| Net loans and leases to core deposits | 77.5755% | 5,076 |
| Total domestic deposits to total assets | 91.1380% | 488 |
| Equity capital to assets | 8.6965% | 5,737 |
| Core capital (leverage) ratio | 8.1880% | 5,929 |
| Tier 1 risk-based capital ratio | 10.9850% | 6,172 |
| Total risk-based capital ratio | 11.9919% | 6,382 |
| Memoranda: | ||
| Average total assets | $32,431,000 | 7,361 |
| Average earning assets | $29,023,500 | 7,353 |
| Average equity | $2,779,000 | 7,557 |
| Average total loans | $22,863,500 | 6,999 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4151% | 803 |
| Cost of funding earning assets | 1.3293% | 6,210 |
| Net interest margin | 5.0859% | 375 |
| Noninterest income to average assets | 0.7390% | 2,741 |
| Noninterest expense to average assets | 4.9566% | 534 |
| Loan and lease loss provision to assets | 0.4673% | 4,029 |
| Net operating income to assets | -0.0584% | 5,598 |
| Return on assets (ROA) | 0.0058% | 5,517 |
| Pretax return on assets | 0.0058% | 5,431 |
| Return on Equity (ROE) | 0.0732% | 5,510 |
| Retained earnings to average equity (ytd only) | -0.2928% | 5,020 |
| Net charge-offs to loans | 0.3097% | 4,697 |
| Credit loss provision to net charge-offs | 216.2162% | 1,762 |
| Earnings coverage of net charge-offs (x) | 1.8919% | 4,305 |
| Efficiency ratio | 92.3789% | 1,531 |
| Assets per employee ($millions) | 2.7374% | 6,791 |
| Cash dividends to net income (ytd only)* | 500.0000% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 6,323 |
| Loan loss allowance to noncurrent loans | 86.3971% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 5,442 |
| Noncurrent loans to loans | 1.1685% | 4,991 |
| Net loans and leases to total assets | 70.1452% | 3,221 |
| Net loans and leases to deposits | 76.7274% | 4,621 |
| Net loans and leases to core deposits | 103.7881% | 3,594 |
| Total domestic deposits to total assets | 91.4214% | 402 |
| Equity capital to assets | 8.4447% | 5,983 |
| Core capital (leverage) ratio | 7.9197% | 6,305 |
| Tier 1 risk-based capital ratio | 10.8515% | 6,064 |
| Total risk-based capital ratio | 11.8149% | 6,313 |
| Memoranda: | ||
| Average total assets | $34,237,400 | 7,312 |
| Average earning assets | $31,145,200 | 7,303 |
| Average equity | $2,732,200 | 7,663 |
| Average total loans | $23,895,200 | 6,984 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3370% | 1,054 |
| Cost of funding earning assets | 1.4280% | 6,129 |
| Net interest margin | 4.9091% | 543 |
| Noninterest income to average assets | 0.7016% | 3,006 |
| Noninterest expense to average assets | 5.0310% | 474 |
| Loan and lease loss provision to assets | 0.5012% | 3,386 |
| Net operating income to assets | -0.3508% | 6,267 |
| Return on assets (ROA) | -0.2660% | 6,167 |
| Pretax return on assets | -0.2660% | 6,060 |
| Return on Equity (ROE) | -3.3802% | 6,284 |
| Retained earnings to average equity (ytd only) | -3.8699% | 6,094 |
| Net charge-offs to loans | 0.4213% | 3,577 |
| Credit loss provision to net charge-offs | 171.0526% | 2,720 |
| Earnings coverage of net charge-offs (x) | 0.5132% | 5,514 |
| Efficiency ratio | 97.0982% | 1,206 |
| Assets per employee ($millions) | 2.5365% | 7,168 |
| Cash dividends to net income (ytd only)* | -14.4891% | 7,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 6,911 |
| Loan loss allowance to noncurrent loans | 81.2000% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.7582% | 5,611 |
| Noncurrent loans to loans | 1.0650% | 5,184 |
| Net loans and leases to total assets | 70.5716% | 3,372 |
| Net loans and leases to deposits | 77.0691% | 4,890 |
| Net loans and leases to core deposits | 106.4937% | 3,645 |
| Total domestic deposits to total assets | 91.5694% | 249 |
| Equity capital to assets | 8.1607% | 6,682 |
| Core capital (leverage) ratio | 7.6603% | 6,786 |
| Tier 1 risk-based capital ratio | 10.5313% | 6,435 |
| Total risk-based capital ratio | 11.3615% | 6,813 |
| Memoranda: | ||
| Average total assets | $34,584,500 | 7,359 |
| Average earning assets | $31,559,750 | 7,346 |
| Average equity | $2,721,750 | 7,742 |
| Average total loans | $24,049,750 | 7,027 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3135% | 1,175 |
| Cost of funding earning assets | 1.5160% | 6,072 |
| Net interest margin | 4.7975% | 655 |
| Noninterest income to average assets | 0.6093% | 3,613 |
| Noninterest expense to average assets | 4.9144% | 548 |
| Loan and lease loss provision to assets | 0.5695% | 2,736 |
| Net operating income to assets | -0.4954% | 6,545 |
| Return on assets (ROA) | -0.3701% | 6,424 |
| Pretax return on assets | -0.3701% | 6,298 |
| Return on Equity (ROE) | -4.7584% | 6,581 |
| Retained earnings to average equity (ytd only) | -5.4905% | 6,376 |
| Net charge-offs to loans | 0.4208% | 3,117 |
| Credit loss provision to net charge-offs | 196.0784% | 2,329 |
| Earnings coverage of net charge-offs (x) | 0.2549% | 5,416 |
| Efficiency ratio | 98.5160% | 1,250 |
| Assets per employee ($millions) | 2.4093% | 7,414 |
| Cash dividends to net income (ytd only)* | -15.3846% | 7,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 7,139 |
| Loan loss allowance to noncurrent loans | 97.5369% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.8500% | 3,399 |
| Noncurrent loans to loans | 0.8259% | 5,576 |
| Net loans and leases to total assets | 72.2828% | 3,140 |
| Net loans and leases to deposits | 78.7856% | 4,736 |
| Net loans and leases to core deposits | 109.4693% | 3,435 |
| Total domestic deposits to total assets | 91.7462% | 259 |
| Equity capital to assets | 7.9603% | 6,798 |
| Core capital (leverage) ratio | 7.5076% | 7,000 |
| Tier 1 risk-based capital ratio | 9.9357% | 7,000 |
| Total risk-based capital ratio | 10.6985% | 7,393 |
| Memoranda: | ||
| Average total assets | $35,121,000 | 7,402 |
| Average earning assets | $32,058,330 | 7,394 |
| Average equity | $2,732,000 | 7,809 |
| Average total loans | $24,241,670 | 7,068 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3879% | 1,091 |
| Cost of funding earning assets | 1.6584% | 5,783 |
| Net interest margin | 4.7295% | 722 |
| Noninterest income to average assets | 0.5807% | 3,679 |
| Noninterest expense to average assets | 4.7241% | 583 |
| Loan and lease loss provision to assets | 0.3350% | 3,311 |
| Net operating income to assets | -0.1787% | 6,522 |
| Return on assets (ROA) | 0.0670% | 6,232 |
| Pretax return on assets | 0.0670% | 6,236 |
| Return on Equity (ROE) | 0.8710% | 6,167 |
| Retained earnings to average equity (ytd only) | 0.8710% | 5,310 |
| Net charge-offs to loans | 0.1163% | 4,037 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,720 |
| Efficiency ratio | 96.7963% | 1,276 |
| Assets per employee ($millions) | 2.7278% | 6,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 7,424 |
| Loan loss allowance to noncurrent loans | 69.6356% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.8189% | 3,187 |
| Noncurrent loans to loans | 1.0149% | 4,969 |
| Net loans and leases to total assets | 68.1453% | 4,098 |
| Net loans and leases to deposits | 74.0281% | 5,471 |
| Net loans and leases to core deposits | 100.8640% | 4,454 |
| Total domestic deposits to total assets | 92.0532% | 178 |
| Equity capital to assets | 7.8029% | 7,068 |
| Core capital (leverage) ratio | 7.0715% | 7,583 |
| Tier 1 risk-based capital ratio | 10.6549% | 6,229 |
| Total risk-based capital ratio | 11.3439% | 6,732 |
| Memoranda: | ||
| Average total assets | $35,816,500 | 7,424 |
| Average earning assets | $32,561,500 | 7,417 |
| Average equity | $2,755,500 | 7,851 |
| Average total loans | $24,073,000 | 7,128 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9697% | 1,206 |
| Cost of funding earning assets | 2.2887% | 5,208 |
| Net interest margin | 4.6810% | 1,008 |
| Noninterest income to average assets | 0.6544% | 3,439 |
| Noninterest expense to average assets | 4.6756% | 780 |
| Loan and lease loss provision to assets | 0.3313% | 3,741 |
| Net operating income to assets | -0.0597% | 6,452 |
| Return on assets (ROA) | 0.0217% | 6,163 |
| Pretax return on assets | 0.0217% | 6,115 |
| Return on Equity (ROE) | 0.2928% | 6,139 |
| Retained earnings to average equity (ytd only) | 0.2928% | 5,067 |
| Net charge-offs to loans | 0.7159% | 1,727 |
| Credit loss provision to net charge-offs | 74.8466% | 6,001 |
| Earnings coverage of net charge-offs (x) | 0.6135% | 5,855 |
| Efficiency ratio | 94.5115% | 1,245 |
| Assets per employee ($millions) | 2.5837% | 7,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6258% | 7,623 |
| Loan loss allowance to noncurrent loans | 62.3431% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 1.7610% | 2,773 |
| Noncurrent loans to loans | 1.0038% | 4,582 |
| Net loans and leases to total assets | 65.4097% | 4,968 |
| Net loans and leases to deposits | 70.9169% | 6,180 |
| Net loans and leases to core deposits | 98.5382% | 4,983 |
| Total domestic deposits to total assets | 92.2343% | 104 |
| Equity capital to assets | 7.5860% | 7,314 |
| Core capital (leverage) ratio | 7.1726% | 7,550 |
| Tier 1 risk-based capital ratio | 10.2135% | 6,502 |
| Total risk-based capital ratio | 10.7867% | 7,185 |
| Memoranda: | ||
| Average total assets | $36,829,200 | 7,350 |
| Average earning assets | $33,774,800 | 7,334 |
| Average equity | $2,732,600 | 7,921 |
| Average total loans | $22,769,600 | 7,148 |