Home > Union State Bank > Performance and Condition Ratios
Union State Bank, Performance and Condition Ratios
| 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 | 3.9849% | 6,484 |
| Cost of funding earning assets | 0.5070% | 6,497 |
| Net interest margin | 3.4779% | 5,227 |
| Noninterest income to average assets | 0.7581% | 2,293 |
| Noninterest expense to average assets | 2.3837% | 5,818 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4383% | 948 |
| Return on assets (ROA) | 1.4921% | 914 |
| Pretax return on assets | 1.5615% | 1,307 |
| Return on Equity (ROE) | 10.4178% | 1,912 |
| Retained earnings to average equity (ytd only) | 4.3423% | 3,089 |
| Net charge-offs to loans | -0.0160% | 6,932 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2903% | 5,564 |
| Assets per employee ($millions) | 4.2413% | 3,390 |
| Cash dividends to net income (ytd only)* | 58.3184% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 3,129 |
| Loan loss allowance to noncurrent loans | 1,041.9355% | 382 |
| Noncurrent assets plus other real estate owned to assets | 1.3413% | 3,989 |
| Noncurrent loans to loans | 0.1650% | 6,420 |
| Net loans and leases to total assets | 48.3732% | 5,786 |
| Net loans and leases to deposits | 57.4607% | 5,757 |
| Net loans and leases to core deposits | 60.4300% | 5,804 |
| Total domestic deposits to total assets | 84.1847% | 4,242 |
| Equity capital to assets | 14.4085% | 928 |
| Core capital (leverage) ratio | 14.2654% | 761 |
| Tier 1 risk-based capital ratio | 23.3955% | 1,049 |
| Total risk-based capital ratio | 24.6722% | 1,022 |
| Memoranda: | ||
| Average total assets | $37,463,400 | 6,755 |
| Average earning assets | $33,727,200 | 6,760 |
| Average equity | $5,365,800 | 6,334 |
| Average total loans | $18,744,800 | 6,722 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 6,628 |
| Cost of funding earning assets | 0.5301% | 6,575 |
| Net interest margin | 3.4456% | 5,410 |
| Noninterest income to average assets | 0.6580% | 2,836 |
| Noninterest expense to average assets | 2.2134% | 6,246 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4879% | 962 |
| Return on assets (ROA) | 1.4947% | 1,028 |
| Pretax return on assets | 1.5662% | 1,471 |
| Return on Equity (ROE) | 10.4519% | 2,053 |
| Retained earnings to average equity (ytd only) | 5.6010% | 2,789 |
| Net charge-offs to loans | -0.0071% | 6,743 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6730% | 5,905 |
| Assets per employee ($millions) | 4.1627% | 3,515 |
| Cash dividends to net income (ytd only)* | 46.4114% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 3,147 |
| Loan loss allowance to noncurrent loans | 4,012.5000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 1.3053% | 4,199 |
| Noncurrent loans to loans | 0.0433% | 6,833 |
| Net loans and leases to total assets | 48.4999% | 5,897 |
| Net loans and leases to deposits | 57.9437% | 5,842 |
| Net loans and leases to core deposits | 60.4176% | 5,953 |
| Total domestic deposits to total assets | 83.7017% | 4,375 |
| Equity capital to assets | 14.8729% | 886 |
| Core capital (leverage) ratio | 14.5350% | 761 |
| Tier 1 risk-based capital ratio | 23.5276% | 1,067 |
| Total risk-based capital ratio | 24.7788% | 1,050 |
| Memoranda: | ||
| Average total assets | $37,286,250 | 6,819 |
| Average earning assets | $33,704,000 | 6,823 |
| Average equity | $5,332,250 | 6,397 |
| Average total loans | $18,734,000 | 6,786 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 6,769 |
| Cost of funding earning assets | 0.5497% | 6,666 |
| Net interest margin | 3.3806% | 5,607 |
| Noninterest income to average assets | 0.6071% | 3,083 |
| Noninterest expense to average assets | 2.2188% | 6,334 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3968% | 1,088 |
| Return on assets (ROA) | 1.3968% | 1,156 |
| Pretax return on assets | 1.4613% | 1,636 |
| Return on Equity (ROE) | 9.9004% | 2,156 |
| Retained earnings to average equity (ytd only) | 3.6936% | 3,869 |
| Net charge-offs to loans | -0.0106% | 6,696 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2920% | 5,823 |
| Assets per employee ($millions) | 4.1582% | 3,431 |
| Cash dividends to net income (ytd only)* | 62.6923% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 3,325 |
| Loan loss allowance to noncurrent loans | 43.5550% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 1.9693% | 3,274 |
| Noncurrent loans to loans | 3.9048% | 1,779 |
| Net loans and leases to total assets | 49.5751% | 5,877 |
| Net loans and leases to deposits | 58.8368% | 5,843 |
| Net loans and leases to core deposits | 58.8368% | 6,205 |
| Total domestic deposits to total assets | 84.2588% | 4,234 |
| Equity capital to assets | 14.3143% | 991 |
| Core capital (leverage) ratio | 13.7436% | 933 |
| Tier 1 risk-based capital ratio | 23.1394% | 1,096 |
| Total risk-based capital ratio | 24.3908% | 1,082 |
| Memoranda: | ||
| Average total assets | $37,227,000 | 6,879 |
| Average earning assets | $33,839,670 | 6,876 |
| Average equity | $5,252,330 | 6,450 |
| Average total loans | $18,815,000 | 6,843 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 6,897 |
| Cost of funding earning assets | 0.5693% | 6,729 |
| Net interest margin | 3.2734% | 5,867 |
| Noninterest income to average assets | 0.4094% | 4,633 |
| Noninterest expense to average assets | 2.0577% | 6,723 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2605% | 1,366 |
| Return on assets (ROA) | 1.2605% | 1,418 |
| Pretax return on assets | 1.3251% | 1,963 |
| Return on Equity (ROE) | 9.0000% | 2,472 |
| Retained earnings to average equity (ytd only) | 9.0000% | 1,377 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8280% | 5,856 |
| Assets per employee ($millions) | 4.2207% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7609% | 3,131 |
| Loan loss allowance to noncurrent loans | 64.6465% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.3031% | 4,360 |
| Noncurrent loans to loans | 2.7238% | 2,773 |
| Net loans and leases to total assets | 46.9989% | 6,193 |
| Net loans and leases to deposits | 55.4803% | 6,177 |
| Net loans and leases to core deposits | 57.8048% | 6,279 |
| Total domestic deposits to total assets | 84.7128% | 4,170 |
| Equity capital to assets | 13.8367% | 1,056 |
| Core capital (leverage) ratio | 13.9039% | 876 |
| Tier 1 risk-based capital ratio | 22.4200% | 1,159 |
| Total risk-based capital ratio | 23.6703% | 1,136 |
| Memoranda: | ||
| Average total assets | $37,128,500 | 6,931 |
| Average earning assets | $33,726,000 | 6,930 |
| Average equity | $5,200,000 | 6,481 |
| Average total loans | $18,785,500 | 6,894 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 6,433 |
| Cost of funding earning assets | 0.7029% | 6,883 |
| Net interest margin | 3.7836% | 4,009 |
| Noninterest income to average assets | 0.8271% | 2,154 |
| Noninterest expense to average assets | 2.4488% | 5,949 |
| Loan and lease loss provision to assets | 0.1220% | 5,939 |
| Net operating income to assets | 1.6110% | 609 |
| Return on assets (ROA) | 1.6136% | 656 |
| Pretax return on assets | 1.6895% | 965 |
| Return on Equity (ROE) | 11.2895% | 1,505 |
| Retained earnings to average equity (ytd only) | 2.3717% | 4,215 |
| Net charge-offs to loans | 0.0612% | 6,174 |
| Credit loss provision to net charge-offs | 375.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 55.5833% | 424 |
| Efficiency ratio | 57.5159% | 6,392 |
| Assets per employee ($millions) | 4.0301% | 3,721 |
| Cash dividends to net income (ytd only)* | 78.9916% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 3,397 |
| Loan loss allowance to noncurrent loans | 4,571.4286% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 7,193 |
| Noncurrent loans to loans | 0.0361% | 7,040 |
| Net loans and leases to total assets | 52.5985% | 5,841 |
| Net loans and leases to deposits | 63.4326% | 5,697 |
| Net loans and leases to core deposits | 66.2799% | 5,848 |
| Total domestic deposits to total assets | 82.9202% | 4,825 |
| Equity capital to assets | 14.1821% | 987 |
| Core capital (leverage) ratio | 13.7884% | 901 |
| Tier 1 risk-based capital ratio | 22.3552% | 1,128 |
| Total risk-based capital ratio | 23.6085% | 1,107 |
| Memoranda: | ||
| Average total assets | $36,874,800 | 6,978 |
| Average earning assets | $33,434,000 | 6,966 |
| Average equity | $5,270,400 | 6,570 |
| Average total loans | $19,597,800 | 6,948 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5137% | 6,573 |
| Cost of funding earning assets | 0.7192% | 7,009 |
| Net interest margin | 3.7946% | 3,989 |
| Noninterest income to average assets | 0.7238% | 2,683 |
| Noninterest expense to average assets | 2.1642% | 6,700 |
| Loan and lease loss provision to assets | 0.1620% | 5,415 |
| Net operating income to assets | 1.7503% | 566 |
| Return on assets (ROA) | 1.7537% | 614 |
| Pretax return on assets | 1.8401% | 858 |
| Return on Equity (ROE) | 12.2467% | 1,438 |
| Retained earnings to average equity (ytd only) | 6.5383% | 2,068 |
| Net charge-offs to loans | 0.0814% | 5,708 |
| Credit loss provision to net charge-offs | 375.0000% | 831 |
| Earnings coverage of net charge-offs (x) | 46.2488% | 601 |
| Efficiency ratio | 51.9896% | 6,972 |
| Assets per employee ($millions) | 4.1608% | 3,520 |
| Cash dividends to net income (ytd only)* | 46.6118% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 3,417 |
| Loan loss allowance to noncurrent loans | 800.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 7,090 |
| Noncurrent loans to loans | 0.2034% | 6,771 |
| Net loans and leases to total assets | 51.6650% | 6,143 |
| Net loans and leases to deposits | 63.6708% | 5,955 |
| Net loans and leases to core deposits | 65.3196% | 6,177 |
| Total domestic deposits to total assets | 81.1440% | 5,322 |
| Equity capital to assets | 14.6607% | 977 |
| Core capital (leverage) ratio | 14.3564% | 841 |
| Tier 1 risk-based capital ratio | 22.6422% | 1,115 |
| Total risk-based capital ratio | 23.8920% | 1,084 |
| Memoranda: | ||
| Average total assets | $37,025,750 | 7,052 |
| Average earning assets | $33,556,000 | 7,042 |
| Average equity | $5,302,000 | 6,645 |
| Average total loans | $19,647,750 | 7,040 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 6,664 |
| Cost of funding earning assets | 0.7204% | 7,140 |
| Net interest margin | 3.7985% | 3,896 |
| Noninterest income to average assets | 0.5748% | 3,511 |
| Noninterest expense to average assets | 2.2123% | 6,617 |
| Loan and lease loss provision to assets | 0.1627% | 5,260 |
| Net operating income to assets | 1.5836% | 752 |
| Return on assets (ROA) | 1.5887% | 795 |
| Pretax return on assets | 1.6646% | 1,128 |
| Return on Equity (ROE) | 11.1846% | 1,690 |
| Retained earnings to average equity (ytd only) | 4.1227% | 3,448 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8387% | 6,782 |
| Assets per employee ($millions) | 4.1009% | 3,579 |
| Cash dividends to net income (ytd only)* | 63.1399% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 3,331 |
| Loan loss allowance to noncurrent loans | 290.8257% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 6,671 |
| Noncurrent loans to loans | 0.5599% | 6,131 |
| Net loans and leases to total assets | 51.8912% | 6,224 |
| Net loans and leases to deposits | 63.6702% | 6,065 |
| Net loans and leases to core deposits | 65.8778% | 6,253 |
| Total domestic deposits to total assets | 81.4999% | 5,196 |
| Equity capital to assets | 14.2517% | 1,088 |
| Core capital (leverage) ratio | 13.8718% | 958 |
| Tier 1 risk-based capital ratio | 22.2472% | 1,166 |
| Total risk-based capital ratio | 23.4984% | 1,139 |
| Memoranda: | ||
| Average total assets | $36,885,330 | 7,116 |
| Average earning assets | $33,592,330 | 7,089 |
| Average equity | $5,239,330 | 6,703 |
| Average total loans | $19,641,330 | 7,088 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 6,642 |
| Cost of funding earning assets | 0.7137% | 7,305 |
| Net interest margin | 3.8542% | 3,539 |
| Noninterest income to average assets | 0.4448% | 4,520 |
| Noninterest expense to average assets | 1.9743% | 7,207 |
| Loan and lease loss provision to assets | 0.1627% | 4,900 |
| Net operating income to assets | 1.7362% | 567 |
| Return on assets (ROA) | 1.7465% | 607 |
| Pretax return on assets | 1.8333% | 835 |
| Return on Equity (ROE) | 12.3159% | 1,414 |
| Retained earnings to average equity (ytd only) | 12.3159% | 704 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8630% | 7,324 |
| Assets per employee ($millions) | 4.1278% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 3,891 |
| Loan loss allowance to noncurrent loans | 251.6667% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 6,671 |
| Noncurrent loans to loans | 0.5974% | 6,110 |
| Net loans and leases to total assets | 53.2544% | 6,122 |
| Net loans and leases to deposits | 65.2980% | 5,898 |
| Net loans and leases to core deposits | 66.9781% | 6,206 |
| Total domestic deposits to total assets | 81.5559% | 5,248 |
| Equity capital to assets | 14.2584% | 1,081 |
| Core capital (leverage) ratio | 14.3061% | 894 |
| Tier 1 risk-based capital ratio | 21.9280% | 1,210 |
| Total risk-based capital ratio | 23.1783% | 1,195 |
| Memoranda: | ||
| Average total assets | $36,874,000 | 7,203 |
| Average earning assets | $33,625,500 | 7,177 |
| Average equity | $5,229,000 | 6,767 |
| Average total loans | $19,727,500 | 7,170 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 6,451 |
| Cost of funding earning assets | 1.1132% | 6,935 |
| Net interest margin | 3.8811% | 3,346 |
| Noninterest income to average assets | 0.8871% | 1,996 |
| Noninterest expense to average assets | 2.3702% | 6,551 |
| Loan and lease loss provision to assets | 0.2857% | 5,142 |
| Net operating income to assets | 1.6790% | 466 |
| Return on assets (ROA) | 1.6790% | 491 |
| Pretax return on assets | 1.7606% | 688 |
| Return on Equity (ROE) | 11.9927% | 1,165 |
| Retained earnings to average equity (ytd only) | 3.8874% | 2,492 |
| Net charge-offs to loans | 0.8401% | 2,729 |
| Credit loss provision to net charge-offs | 64.4172% | 6,574 |
| Earnings coverage of net charge-offs (x) | 4.6135% | 2,884 |
| Efficiency ratio | 53.6661% | 7,263 |
| Assets per employee ($millions) | 4.0664% | 3,679 |
| Cash dividends to net income (ytd only)* | 67.5851% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 3,824 |
| Loan loss allowance to noncurrent loans | 203.5461% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 6,482 |
| Noncurrent loans to loans | 0.7280% | 5,797 |
| Net loans and leases to total assets | 52.1395% | 6,409 |
| Net loans and leases to deposits | 63.8963% | 6,275 |
| Net loans and leases to core deposits | 72.8265% | 6,603 |
| Total domestic deposits to total assets | 81.6001% | 5,109 |
| Equity capital to assets | 14.1019% | 1,137 |
| Core capital (leverage) ratio | 13.4700% | 1,099 |
| Tier 1 risk-based capital ratio | 21.9813% | 1,151 |
| Total risk-based capital ratio | 23.2310% | 1,134 |
| Memoranda: | ||
| Average total assets | $36,748,000 | 7,220 |
| Average earning assets | $33,418,000 | 7,210 |
| Average equity | $5,144,800 | 6,891 |
| Average total loans | $19,402,000 | 7,236 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0506% | 6,449 |
| Cost of funding earning assets | 1.2128% | 6,855 |
| Net interest margin | 3.8378% | 3,489 |
| Noninterest income to average assets | 0.7176% | 2,901 |
| Noninterest expense to average assets | 2.1675% | 7,056 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9427% | 329 |
| Return on assets (ROA) | 1.9427% | 353 |
| Pretax return on assets | 2.0370% | 508 |
| Return on Equity (ROE) | 13.9017% | 956 |
| Retained earnings to average equity (ytd only) | 7.0805% | 1,471 |
| Net charge-offs to loans | 0.1717% | 5,015 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 22.4815% | 1,154 |
| Efficiency ratio | 51.5517% | 7,443 |
| Assets per employee ($millions) | 3.3409% | 5,282 |
| Cash dividends to net income (ytd only)* | 49.0674% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 2,737 |
| Loan loss allowance to noncurrent loans | 627.4510% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 7,199 |
| Noncurrent loans to loans | 0.2659% | 6,842 |
| Net loans and leases to total assets | 51.3224% | 6,674 |
| Net loans and leases to deposits | 62.0611% | 6,670 |
| Net loans and leases to core deposits | 71.1951% | 6,898 |
| Total domestic deposits to total assets | 82.6966% | 4,364 |
| Equity capital to assets | 14.3810% | 1,177 |
| Core capital (leverage) ratio | 14.2151% | 1,035 |
| Tier 1 risk-based capital ratio | 22.5079% | 1,170 |
| Total risk-based capital ratio | 23.7518% | 1,148 |
| Memoranda: | ||
| Average total assets | $36,785,500 | 7,282 |
| Average earning assets | $33,421,000 | 7,274 |
| Average equity | $5,140,750 | 6,956 |
| Average total loans | $19,410,250 | 7,294 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0796% | 6,513 |
| Cost of funding earning assets | 1.3370% | 6,688 |
| Net interest margin | 3.7425% | 3,782 |
| Noninterest income to average assets | 0.6685% | 3,204 |
| Noninterest expense to average assets | 2.2502% | 6,919 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7393% | 523 |
| Return on assets (ROA) | 1.7393% | 567 |
| Pretax return on assets | 1.8262% | 807 |
| Return on Equity (ROE) | 12.5671% | 1,267 |
| Retained earnings to average equity (ytd only) | 4.3985% | 2,852 |
| Net charge-offs to loans | 0.2566% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 13.4400% | 1,741 |
| Efficiency ratio | 55.2000% | 7,206 |
| Assets per employee ($millions) | 3.0348% | 6,041 |
| Cash dividends to net income (ytd only)* | 65.0000% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 2,328 |
| Loan loss allowance to noncurrent loans | 627.4510% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 7,213 |
| Noncurrent loans to loans | 0.2718% | 6,847 |
| Net loans and leases to total assets | 50.6384% | 6,813 |
| Net loans and leases to deposits | 60.9761% | 6,818 |
| Net loans and leases to core deposits | 69.4576% | 7,049 |
| Total domestic deposits to total assets | 83.0464% | 4,215 |
| Equity capital to assets | 13.9303% | 1,336 |
| Core capital (leverage) ratio | 13.5575% | 1,254 |
| Tier 1 risk-based capital ratio | 22.0758% | 1,244 |
| Total risk-based capital ratio | 23.3265% | 1,213 |
| Memoranda: | ||
| Average total assets | $36,797,330 | 7,346 |
| Average earning assets | $33,506,670 | 7,341 |
| Average equity | $5,092,670 | 7,026 |
| Average total loans | $19,486,670 | 7,361 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1679% | 6,419 |
| Cost of funding earning assets | 1.3813% | 6,782 |
| Net interest margin | 3.7866% | 3,504 |
| Noninterest income to average assets | 0.7678% | 2,492 |
| Noninterest expense to average assets | 1.9033% | 7,539 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1953% | 232 |
| Return on assets (ROA) | 2.1953% | 268 |
| Pretax return on assets | 2.3035% | 362 |
| Return on Equity (ROE) | 15.9138% | 840 |
| Retained earnings to average equity (ytd only) | 15.9138% | 346 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2442% | 7,881 |
| Assets per employee ($millions) | 3.6576% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 1,753 |
| Loan loss allowance to noncurrent loans | 453.9474% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 6,898 |
| Noncurrent loans to loans | 0.4062% | 6,401 |
| Net loans and leases to total assets | 50.2133% | 6,844 |
| Net loans and leases to deposits | 60.7763% | 6,826 |
| Net loans and leases to core deposits | 67.6788% | 7,153 |
| Total domestic deposits to total assets | 82.6198% | 4,325 |
| Equity capital to assets | 14.2826% | 1,286 |
| Core capital (leverage) ratio | 13.8822% | 1,213 |
| Tier 1 risk-based capital ratio | 22.7404% | 1,220 |
| Total risk-based capital ratio | 23.9962% | 1,193 |
| Memoranda: | ||
| Average total assets | $36,987,500 | 7,381 |
| Average earning assets | $33,592,000 | 7,373 |
| Average equity | $5,102,500 | 7,076 |
| Average total loans | $19,849,500 | 7,374 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9177% | 5,952 |
| Cost of funding earning assets | 2.0563% | 6,213 |
| Net interest margin | 3.8615% | 3,735 |
| Noninterest income to average assets | 0.9483% | 1,774 |
| Noninterest expense to average assets | 2.2770% | 6,766 |
| Loan and lease loss provision to assets | 0.1657% | 5,265 |
| Net operating income to assets | 1.9106% | 421 |
| Return on assets (ROA) | 1.9183% | 402 |
| Pretax return on assets | 2.0243% | 565 |
| Return on Equity (ROE) | 14.3642% | 1,037 |
| Retained earnings to average equity (ytd only) | 4.1913% | 2,514 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0664% | 7,582 |
| Assets per employee ($millions) | 3.7399% | 4,079 |
| Cash dividends to net income (ytd only)* | 70.8215% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6438% | 2,083 |
| Loan loss allowance to noncurrent loans | 539.0625% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 6,882 |
| Noncurrent loans to loans | 0.3049% | 6,466 |
| Net loans and leases to total assets | 55.1967% | 6,529 |
| Net loans and leases to deposits | 65.9415% | 6,648 |
| Net loans and leases to core deposits | 71.6995% | 7,098 |
| Total domestic deposits to total assets | 83.7054% | 3,476 |
| Equity capital to assets | 13.3185% | 1,664 |
| Core capital (leverage) ratio | 13.4970% | 1,388 |
| Tier 1 risk-based capital ratio | 19.9203% | 1,631 |
| Total risk-based capital ratio | 21.1735% | 1,592 |
| Memoranda: | ||
| Average total assets | $36,803,200 | 7,352 |
| Average earning assets | $33,458,800 | 7,349 |
| Average equity | $4,915,000 | 7,175 |
| Average total loans | $19,594,000 | 7,356 |