Home > United Bank > Performance and Condition Ratios
United Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7179% | 4,358 |
| Cost of funding earning assets | 0.3096% | 4,285 |
| Net interest margin | 3.4083% | 3,883 |
| Noninterest income to average assets | 0.9624% | 1,268 |
| Noninterest expense to average assets | 3.7210% | 965 |
| Loan and lease loss provision to assets | -0.0536% | 6,036 |
| Net operating income to assets | 0.2895% | 5,469 |
| Return on assets (ROA) | 0.2895% | 5,559 |
| Pretax return on assets | 0.4531% | 5,347 |
| Return on Equity (ROE) | 2.7966% | 5,476 |
| Retained earnings to average equity (ytd only) | -1.3465% | 5,747 |
| Net charge-offs to loans | -0.0108% | 4,946 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3058% | 728 |
| Assets per employee ($millions) | 3.0777% | 5,500 |
| Cash dividends to net income (ytd only)* | 148.1481% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4334% | 524 |
| Loan loss allowance to noncurrent loans | 89,900.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,917 |
| Noncurrent loans to loans | 0.0027% | 5,768 |
| Net loans and leases to total assets | 48.7985% | 5,031 |
| Net loans and leases to deposits | 57.2943% | 5,041 |
| Net loans and leases to core deposits | 60.5635% | 5,039 |
| Total domestic deposits to total assets | 85.1716% | 3,048 |
| Equity capital to assets | 11.3978% | 2,498 |
| Core capital (leverage) ratio | 11.3335% | 2,132 |
| Tier 1 risk-based capital ratio | 17.8265% | 2,123 |
| Total risk-based capital ratio | 19.0841% | 2,075 |
| Memoranda: | ||
| Average total assets | $74,603,000 | 5,083 |
| Average earning assets | $69,125,670 | 5,057 |
| Average equity | $7,723,670 | 5,215 |
| Average total loans | $37,098,330 | 5,216 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 3,635 |
| Cost of funding earning assets | 0.2594% | 4,915 |
| Net interest margin | 3.6368% | 2,870 |
| Noninterest income to average assets | 0.7203% | 2,068 |
| Noninterest expense to average assets | 3.7241% | 975 |
| Loan and lease loss provision to assets | 0.0053% | 3,640 |
| Net operating income to assets | 0.2561% | 5,544 |
| Return on assets (ROA) | 0.2561% | 5,639 |
| Pretax return on assets | 0.3575% | 5,522 |
| Return on Equity (ROE) | 2.5749% | 5,513 |
| Retained earnings to average equity (ytd only) | 2.5749% | 4,395 |
| Net charge-offs to loans | -0.0108% | 4,748 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1227% | 772 |
| Assets per employee ($millions) | 3.0030% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5069% | 526 |
| Loan loss allowance to noncurrent loans | 91,900.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,976 |
| Noncurrent loans to loans | 0.0027% | 5,811 |
| Net loans and leases to total assets | 47.6051% | 5,074 |
| Net loans and leases to deposits | 55.0812% | 5,119 |
| Net loans and leases to core deposits | 58.2502% | 5,110 |
| Total domestic deposits to total assets | 86.4271% | 2,698 |
| Equity capital to assets | 10.0245% | 4,120 |
| Core capital (leverage) ratio | 10.0821% | 3,501 |
| Tier 1 risk-based capital ratio | 16.5871% | 2,648 |
| Total risk-based capital ratio | 17.8453% | 2,593 |
| Memoranda: | ||
| Average total assets | $74,972,000 | 5,134 |
| Average earning assets | $69,401,500 | 5,107 |
| Average equity | $7,456,500 | 5,313 |
| Average total loans | $37,175,500 | 5,237 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 3,652 |
| Cost of funding earning assets | 0.2929% | 4,865 |
| Net interest margin | 3.7268% | 2,894 |
| Noninterest income to average assets | 0.7186% | 2,217 |
| Noninterest expense to average assets | 3.2502% | 2,077 |
| Loan and lease loss provision to assets | 0.0137% | 4,342 |
| Net operating income to assets | 0.5621% | 4,546 |
| Return on assets (ROA) | 0.5691% | 4,595 |
| Pretax return on assets | 0.8859% | 3,946 |
| Return on Equity (ROE) | 5.6762% | 4,318 |
| Retained earnings to average equity (ytd only) | 1.5182% | 5,073 |
| Net charge-offs to loans | -0.0126% | 5,606 |
| Credit loss provision to net charge-offs | -200.0000% | 5,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5288% | 2,128 |
| Assets per employee ($millions) | 3.2551% | 5,340 |
| Cash dividends to net income (ytd only)* | 73.2530% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4329% | 602 |
| Loan loss allowance to noncurrent loans | 91,700.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,096 |
| Noncurrent loans to loans | 0.0027% | 5,922 |
| Net loans and leases to total assets | 49.1198% | 5,051 |
| Net loans and leases to deposits | 57.1777% | 5,113 |
| Net loans and leases to core deposits | 60.6928% | 5,085 |
| Total domestic deposits to total assets | 85.9072% | 2,893 |
| Equity capital to assets | 9.8667% | 4,274 |
| Core capital (leverage) ratio | 9.8862% | 3,728 |
| Tier 1 risk-based capital ratio | 16.3719% | 2,773 |
| Total risk-based capital ratio | 17.6328% | 2,711 |
| Memoranda: | ||
| Average total assets | $72,919,200 | 5,207 |
| Average earning assets | $66,920,000 | 5,204 |
| Average equity | $7,311,200 | 5,344 |
| Average total loans | $39,661,000 | 5,195 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1039% | 3,353 |
| Cost of funding earning assets | 0.2891% | 4,999 |
| Net interest margin | 3.8147% | 2,562 |
| Noninterest income to average assets | 0.7308% | 2,182 |
| Noninterest expense to average assets | 3.2950% | 1,911 |
| Loan and lease loss provision to assets | 0.0166% | 4,081 |
| Net operating income to assets | 0.5870% | 4,499 |
| Return on assets (ROA) | 0.5964% | 4,547 |
| Pretax return on assets | 0.9314% | 3,853 |
| Return on Equity (ROE) | 5.9240% | 4,270 |
| Retained earnings to average equity (ytd only) | 0.3657% | 5,701 |
| Net charge-offs to loans | -0.0133% | 5,497 |
| Credit loss provision to net charge-offs | -225.0000% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9277% | 2,188 |
| Assets per employee ($millions) | 3.3770% | 5,082 |
| Cash dividends to net income (ytd only)* | 93.8262% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2326% | 899 |
| Loan loss allowance to noncurrent loans | 91,500.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,210 |
| Noncurrent loans to loans | 0.0024% | 6,043 |
| Net loans and leases to total assets | 53.9337% | 4,584 |
| Net loans and leases to deposits | 63.1326% | 4,623 |
| Net loans and leases to core deposits | 67.2807% | 4,582 |
| Total domestic deposits to total assets | 85.4293% | 3,143 |
| Equity capital to assets | 9.8583% | 4,343 |
| Core capital (leverage) ratio | 10.1694% | 3,447 |
| Tier 1 risk-based capital ratio | 15.0179% | 3,573 |
| Total risk-based capital ratio | 16.2746% | 3,507 |
| Memoranda: | ||
| Average total assets | $72,432,000 | 5,277 |
| Average earning assets | $66,407,250 | 5,274 |
| Average equity | $7,292,250 | 5,391 |
| Average total loans | $40,153,250 | 5,235 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1733% | 3,059 |
| Cost of funding earning assets | 0.2946% | 5,020 |
| Net interest margin | 3.8787% | 2,259 |
| Noninterest income to average assets | 0.7158% | 2,206 |
| Noninterest expense to average assets | 3.2724% | 1,985 |
| Loan and lease loss provision to assets | 0.0251% | 3,780 |
| Net operating income to assets | 0.6289% | 4,203 |
| Return on assets (ROA) | 0.6433% | 4,235 |
| Pretax return on assets | 0.9971% | 3,485 |
| Return on Equity (ROE) | 6.3447% | 3,970 |
| Retained earnings to average equity (ytd only) | 2.1698% | 4,805 |
| Net charge-offs to loans | -0.0201% | 5,547 |
| Credit loss provision to net charge-offs | -225.0000% | 5,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5971% | 2,520 |
| Assets per employee ($millions) | 3.1549% | 5,499 |
| Cash dividends to net income (ytd only)* | 65.8009% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2026% | 1,020 |
| Loan loss allowance to noncurrent loans | 91,400.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 6,278 |
| Noncurrent loans to loans | 0.0024% | 6,109 |
| Net loans and leases to total assets | 55.9273% | 4,298 |
| Net loans and leases to deposits | 65.7731% | 4,290 |
| Net loans and leases to core deposits | 70.5762% | 4,207 |
| Total domestic deposits to total assets | 85.0307% | 3,487 |
| Equity capital to assets | 10.2009% | 3,827 |
| Core capital (leverage) ratio | 10.4355% | 3,032 |
| Tier 1 risk-based capital ratio | 15.2204% | 3,516 |
| Total risk-based capital ratio | 16.4079% | 3,499 |
| Memoranda: | ||
| Average total assets | $71,811,670 | 5,342 |
| Average earning assets | $65,847,000 | 5,326 |
| Average equity | $7,281,670 | 5,416 |
| Average total loans | $39,876,330 | 5,280 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1297% | 3,169 |
| Cost of funding earning assets | 0.2993% | 5,073 |
| Net interest margin | 3.8304% | 2,341 |
| Noninterest income to average assets | 0.6775% | 2,306 |
| Noninterest expense to average assets | 3.2924% | 1,960 |
| Loan and lease loss provision to assets | 0.0168% | 3,613 |
| Net operating income to assets | 0.5588% | 4,415 |
| Return on assets (ROA) | 0.5767% | 4,381 |
| Pretax return on assets | 0.9071% | 3,671 |
| Return on Equity (ROE) | 5.7052% | 4,179 |
| Retained earnings to average equity (ytd only) | -2.7141% | 5,932 |
| Net charge-offs to loans | -0.0102% | 5,056 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6096% | 2,387 |
| Assets per employee ($millions) | 2.9686% | 5,891 |
| Cash dividends to net income (ytd only)* | 147.5728% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3012% | 1,029 |
| Loan loss allowance to noncurrent loans | 90,600.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 6,349 |
| Noncurrent loans to loans | 0.0025% | 6,189 |
| Net loans and leases to total assets | 53.9890% | 4,423 |
| Net loans and leases to deposits | 63.4799% | 4,375 |
| Net loans and leases to core deposits | 67.5298% | 4,356 |
| Total domestic deposits to total assets | 85.0490% | 3,841 |
| Equity capital to assets | 10.1269% | 3,687 |
| Core capital (leverage) ratio | 10.3329% | 3,136 |
| Tier 1 risk-based capital ratio | 15.5702% | 3,401 |
| Total risk-based capital ratio | 16.8253% | 3,362 |
| Memoranda: | ||
| Average total assets | $71,436,500 | 5,398 |
| Average earning assets | $65,476,500 | 5,391 |
| Average equity | $7,221,500 | 5,460 |
| Average total loans | $39,066,500 | 5,355 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,792 |
| Cost of funding earning assets | 0.3192% | 5,430 |
| Net interest margin | 3.7674% | 2,773 |
| Noninterest income to average assets | 0.8936% | 1,701 |
| Noninterest expense to average assets | 3.3919% | 1,902 |
| Loan and lease loss provision to assets | 0.0219% | 4,690 |
| Net operating income to assets | 0.5818% | 4,350 |
| Return on assets (ROA) | 0.5855% | 4,445 |
| Pretax return on assets | 0.9155% | 3,696 |
| Return on Equity (ROE) | 5.5600% | 4,356 |
| Retained earnings to average equity (ytd only) | 1.5668% | 5,108 |
| Net charge-offs to loans | 0.0382% | 4,698 |
| Credit loss provision to net charge-offs | 107.1429% | 2,240 |
| Earnings coverage of net charge-offs (x) | 45.5714% | 854 |
| Efficiency ratio | 78.4532% | 2,392 |
| Assets per employee ($millions) | 3.1142% | 5,647 |
| Cash dividends to net income (ytd only)* | 71.8204% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3270% | 1,014 |
| Loan loss allowance to noncurrent loans | 503.9106% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 5,514 |
| Noncurrent loans to loans | 0.4618% | 4,842 |
| Net loans and leases to total assets | 52.8572% | 4,741 |
| Net loans and leases to deposits | 62.1644% | 4,705 |
| Net loans and leases to core deposits | 67.3246% | 4,581 |
| Total domestic deposits to total assets | 85.0280% | 3,736 |
| Equity capital to assets | 10.0912% | 3,644 |
| Core capital (leverage) ratio | 10.2992% | 3,150 |
| Tier 1 risk-based capital ratio | 15.8019% | 3,200 |
| Total risk-based capital ratio | 17.0630% | 3,148 |
| Memoranda: | ||
| Average total assets | $68,487,200 | 5,528 |
| Average earning assets | $62,351,000 | 5,529 |
| Average equity | $7,212,200 | 5,515 |
| Average total loans | $36,686,200 | 5,467 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 3,813 |
| Cost of funding earning assets | 0.3291% | 5,474 |
| Net interest margin | 3.7587% | 2,807 |
| Noninterest income to average assets | 0.8449% | 1,960 |
| Noninterest expense to average assets | 3.3676% | 1,904 |
| Loan and lease loss provision to assets | 0.0158% | 4,697 |
| Net operating income to assets | 0.5575% | 4,542 |
| Return on assets (ROA) | 0.5613% | 4,674 |
| Pretax return on assets | 0.8862% | 3,942 |
| Return on Equity (ROE) | 5.2716% | 4,582 |
| Retained earnings to average equity (ytd only) | -0.0555% | 5,951 |
| Net charge-offs to loans | -0.0147% | 5,973 |
| Credit loss provision to net charge-offs | -200.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9838% | 2,264 |
| Assets per employee ($millions) | 3.1152% | 5,648 |
| Cash dividends to net income (ytd only)* | 101.0527% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4431% | 996 |
| Loan loss allowance to noncurrent loans | 467.6923% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 5,359 |
| Noncurrent loans to loans | 0.5224% | 4,890 |
| Net loans and leases to total assets | 53.1371% | 4,727 |
| Net loans and leases to deposits | 64.0783% | 4,511 |
| Net loans and leases to core deposits | 66.2838% | 4,686 |
| Total domestic deposits to total assets | 82.9253% | 4,608 |
| Equity capital to assets | 10.4021% | 3,387 |
| Core capital (leverage) ratio | 10.6250% | 2,864 |
| Tier 1 risk-based capital ratio | 16.1674% | 3,097 |
| Total risk-based capital ratio | 17.4359% | 3,049 |
| Memoranda: | ||
| Average total assets | $67,702,250 | 5,603 |
| Average earning assets | $61,579,250 | 5,609 |
| Average equity | $7,208,250 | 5,583 |
| Average total loans | $36,167,250 | 5,542 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 3,712 |
| Cost of funding earning assets | 0.3360% | 5,514 |
| Net interest margin | 3.7711% | 2,669 |
| Noninterest income to average assets | 0.8928% | 1,833 |
| Noninterest expense to average assets | 3.3519% | 1,928 |
| Loan and lease loss provision to assets | 0.0178% | 4,539 |
| Net operating income to assets | 0.6024% | 4,268 |
| Return on assets (ROA) | 0.6081% | 4,416 |
| Pretax return on assets | 0.9611% | 3,676 |
| Return on Equity (ROE) | 5.6672% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.1286% | 4,918 |
| Net charge-offs to loans | -0.0168% | 5,908 |
| Credit loss provision to net charge-offs | -200.0000% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5566% | 2,532 |
| Assets per employee ($millions) | 3.3868% | 5,100 |
| Cash dividends to net income (ytd only)* | 62.4390% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4279% | 1,062 |
| Loan loss allowance to noncurrent loans | 461.4213% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 5,417 |
| Noncurrent loans to loans | 0.5262% | 4,947 |
| Net loans and leases to total assets | 53.9308% | 4,596 |
| Net loans and leases to deposits | 64.0024% | 4,502 |
| Net loans and leases to core deposits | 66.5901% | 4,631 |
| Total domestic deposits to total assets | 84.2637% | 4,215 |
| Equity capital to assets | 10.5750% | 3,199 |
| Core capital (leverage) ratio | 10.9268% | 2,429 |
| Tier 1 risk-based capital ratio | 16.4117% | 2,974 |
| Total risk-based capital ratio | 17.6718% | 2,934 |
| Memoranda: | ||
| Average total assets | $67,425,000 | 5,649 |
| Average earning assets | $61,308,330 | 5,657 |
| Average equity | $7,234,670 | 5,619 |
| Average total loans | $35,780,000 | 5,584 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1337% | 3,582 |
| Cost of funding earning assets | 0.3521% | 5,516 |
| Net interest margin | 3.7816% | 2,516 |
| Noninterest income to average assets | 0.9573% | 1,585 |
| Noninterest expense to average assets | 3.3715% | 1,895 |
| Loan and lease loss provision to assets | 0.0178% | 4,241 |
| Net operating income to assets | 0.6379% | 4,034 |
| Return on assets (ROA) | 0.6303% | 4,231 |
| Pretax return on assets | 1.0049% | 3,327 |
| Return on Equity (ROE) | 5.8318% | 4,133 |
| Retained earnings to average equity (ytd only) | -1.2104% | 5,975 |
| Net charge-offs to loans | -0.0229% | 5,782 |
| Credit loss provision to net charge-offs | -150.0000% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5182% | 2,841 |
| Assets per employee ($millions) | 3.0623% | 5,888 |
| Cash dividends to net income (ytd only)* | 120.7547% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5765% | 1,035 |
| Loan loss allowance to noncurrent loans | 459.3909% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 5,512 |
| Noncurrent loans to loans | 0.5609% | 5,039 |
| Net loans and leases to total assets | 50.7934% | 4,880 |
| Net loans and leases to deposits | 60.3964% | 4,748 |
| Net loans and leases to core deposits | 63.1447% | 4,834 |
| Total domestic deposits to total assets | 84.1000% | 4,430 |
| Equity capital to assets | 10.7747% | 3,228 |
| Core capital (leverage) ratio | 10.7397% | 2,508 |
| Tier 1 risk-based capital ratio | 16.8640% | 2,824 |
| Total risk-based capital ratio | 18.1323% | 2,781 |
| Memoranda: | ||
| Average total assets | $67,270,000 | 5,703 |
| Average earning assets | $61,350,000 | 5,699 |
| Average equity | $7,270,500 | 5,671 |
| Average total loans | $34,950,500 | 5,665 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 5,066 |
| Cost of funding earning assets | 0.4468% | 5,606 |
| Net interest margin | 3.6211% | 3,999 |
| Noninterest income to average assets | 0.9814% | 1,589 |
| Noninterest expense to average assets | 3.4392% | 1,966 |
| Loan and lease loss provision to assets | 0.0073% | 5,830 |
| Net operating income to assets | 0.4642% | 4,823 |
| Return on assets (ROA) | 0.6391% | 4,304 |
| Pretax return on assets | 1.0945% | 3,177 |
| Return on Equity (ROE) | 6.0475% | 4,147 |
| Retained earnings to average equity (ytd only) | 3.2671% | 3,926 |
| Net charge-offs to loans | 0.0151% | 5,698 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 112.8000% | 338 |
| Efficiency ratio | 80.5852% | 2,070 |
| Assets per employee ($millions) | 2.9204% | 6,129 |
| Cash dividends to net income (ytd only)* | 45.9770% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5880% | 1,030 |
| Loan loss allowance to noncurrent loans | 454.5455% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 5,602 |
| Noncurrent loans to loans | 0.5694% | 5,106 |
| Net loans and leases to total assets | 50.4340% | 5,109 |
| Net loans and leases to deposits | 58.8217% | 5,150 |
| Net loans and leases to core deposits | 61.1745% | 5,255 |
| Total domestic deposits to total assets | 85.7404% | 3,492 |
| Equity capital to assets | 10.8413% | 3,131 |
| Core capital (leverage) ratio | 10.4737% | 2,798 |
| Tier 1 risk-based capital ratio | 17.0874% | 2,608 |
| Total risk-based capital ratio | 18.3494% | 2,574 |
| Memoranda: | ||
| Average total assets | $68,067,600 | 5,673 |
| Average earning assets | $61,777,600 | 5,680 |
| Average equity | $7,193,000 | 5,706 |
| Average total loans | $33,189,600 | 5,789 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 5,400 |
| Cost of funding earning assets | 0.4498% | 5,799 |
| Net interest margin | 3.5897% | 4,278 |
| Noninterest income to average assets | 0.9020% | 1,818 |
| Noninterest expense to average assets | 3.2975% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4976% | 4,851 |
| Return on assets (ROA) | 0.6013% | 4,650 |
| Pretax return on assets | 1.0230% | 3,624 |
| Return on Equity (ROE) | 5.7269% | 4,472 |
| Retained earnings to average equity (ytd only) | 2.0082% | 5,316 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2958% | 2,197 |
| Assets per employee ($millions) | 3.1467% | 5,741 |
| Cash dividends to net income (ytd only)* | 64.9345% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6578% | 1,024 |
| Loan loss allowance to noncurrent loans | 436.8932% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 5,790 |
| Noncurrent loans to loans | 0.6083% | 5,221 |
| Net loans and leases to total assets | 47.6151% | 5,595 |
| Net loans and leases to deposits | 56.6910% | 5,569 |
| Net loans and leases to core deposits | 58.6196% | 5,695 |
| Total domestic deposits to total assets | 83.9906% | 4,224 |
| Equity capital to assets | 10.4770% | 3,870 |
| Core capital (leverage) ratio | 10.5163% | 2,897 |
| Tier 1 risk-based capital ratio | 16.8721% | 2,796 |
| Total risk-based capital ratio | 18.1334% | 2,753 |
| Memoranda: | ||
| Average total assets | $68,292,250 | 5,734 |
| Average earning assets | $61,954,000 | 5,739 |
| Average equity | $7,170,750 | 5,778 |
| Average total loans | $32,793,000 | 5,885 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 5,396 |
| Cost of funding earning assets | 0.4740% | 5,802 |
| Net interest margin | 3.6034% | 4,245 |
| Noninterest income to average assets | 0.9562% | 1,593 |
| Noninterest expense to average assets | 3.2539% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5639% | 4,518 |
| Return on assets (ROA) | 0.5884% | 4,677 |
| Pretax return on assets | 1.0062% | 3,680 |
| Return on Equity (ROE) | 5.5996% | 4,529 |
| Retained earnings to average equity (ytd only) | 3.5838% | 4,210 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0732% | 2,579 |
| Assets per employee ($millions) | 2.9265% | 6,189 |
| Cash dividends to net income (ytd only)* | 36.0000% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6544% | 1,096 |
| Loan loss allowance to noncurrent loans | 500.0000% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 5,920 |
| Noncurrent loans to loans | 0.5309% | 5,461 |
| Net loans and leases to total assets | 49.0365% | 5,479 |
| Net loans and leases to deposits | 58.6638% | 5,380 |
| Net loans and leases to core deposits | 60.7275% | 5,516 |
| Total domestic deposits to total assets | 83.5891% | 4,492 |
| Equity capital to assets | 10.7905% | 3,353 |
| Core capital (leverage) ratio | 10.5849% | 2,726 |
| Tier 1 risk-based capital ratio | 17.0020% | 2,661 |
| Total risk-based capital ratio | 18.2647% | 2,621 |
| Memoranda: | ||
| Average total assets | $67,980,330 | 5,783 |
| Average earning assets | $61,608,670 | 5,784 |
| Average equity | $7,143,330 | 5,803 |
| Average total loans | $32,436,330 | 5,941 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 5,663 |
| Cost of funding earning assets | 0.5243% | 5,648 |
| Net interest margin | 3.5082% | 4,654 |
| Noninterest income to average assets | 0.8549% | 1,925 |
| Noninterest expense to average assets | 3.4077% | 1,993 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3569% | 5,445 |
| Return on assets (ROA) | 0.3981% | 5,452 |
| Pretax return on assets | 0.6851% | 4,840 |
| Return on Equity (ROE) | 3.8399% | 5,360 |
| Retained earnings to average equity (ytd only) | -0.2259% | 6,033 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5930% | 1,626 |
| Assets per employee ($millions) | 3.2120% | 5,741 |
| Cash dividends to net income (ytd only)* | 105.8824% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7547% | 1,051 |
| Loan loss allowance to noncurrent loans | 494.5055% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 6,038 |
| Noncurrent loans to loans | 0.5571% | 5,547 |
| Net loans and leases to total assets | 47.1024% | 5,671 |
| Net loans and leases to deposits | 56.1194% | 5,588 |
| Net loans and leases to core deposits | 58.0777% | 5,708 |
| Total domestic deposits to total assets | 83.9325% | 4,524 |
| Equity capital to assets | 10.5081% | 3,481 |
| Core capital (leverage) ratio | 10.3164% | 2,977 |
| Tier 1 risk-based capital ratio | 17.0837% | 2,650 |
| Total risk-based capital ratio | 18.3471% | 2,609 |
| Memoranda: | ||
| Average total assets | $68,316,000 | 5,816 |
| Average earning assets | $61,798,500 | 5,815 |
| Average equity | $7,083,500 | 5,847 |
| Average total loans | $31,701,500 | 6,028 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3041% | 5,752 |
| Cost of funding earning assets | 0.7121% | 5,458 |
| Net interest margin | 3.5921% | 4,765 |
| Noninterest income to average assets | 0.4887% | 3,932 |
| Noninterest expense to average assets | 3.2539% | 2,673 |
| Loan and lease loss provision to assets | 0.0086% | 6,429 |
| Net operating income to assets | 0.2968% | 5,273 |
| Return on assets (ROA) | 0.3358% | 5,279 |
| Pretax return on assets | 0.5159% | 4,943 |
| Return on Equity (ROE) | 3.3681% | 5,132 |
| Retained earnings to average equity (ytd only) | 2.3505% | 4,552 |
| Net charge-offs to loans | 0.3201% | 3,790 |
| Credit loss provision to net charge-offs | 5.6075% | 6,040 |
| Earnings coverage of net charge-offs (x) | 3.0374% | 3,691 |
| Efficiency ratio | 87.5096% | 1,398 |
| Assets per employee ($millions) | 3.1445% | 5,822 |
| Cash dividends to net income (ytd only)* | 30.2128% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9286% | 875 |
| Loan loss allowance to noncurrent loans | 486.4865% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 5,506 |
| Noncurrent loans to loans | 0.6020% | 5,515 |
| Net loans and leases to total assets | 43.1215% | 6,286 |
| Net loans and leases to deposits | 52.0511% | 6,211 |
| Net loans and leases to core deposits | 54.3459% | 6,278 |
| Total domestic deposits to total assets | 82.8445% | 4,814 |
| Equity capital to assets | 10.2329% | 3,874 |
| Core capital (leverage) ratio | 10.0139% | 3,325 |
| Tier 1 risk-based capital ratio | 17.6294% | 2,328 |
| Total risk-based capital ratio | 18.8921% | 2,287 |
| Memoranda: | ||
| Average total assets | $69,977,400 | 5,738 |
| Average earning assets | $62,916,200 | 5,773 |
| Average equity | $6,977,200 | 5,871 |
| Average total loans | $33,424,400 | 5,982 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3489% | 5,778 |
| Cost of funding earning assets | 0.7495% | 5,470 |
| Net interest margin | 3.5994% | 4,767 |
| Noninterest income to average assets | 0.4047% | 4,633 |
| Noninterest expense to average assets | 3.2013% | 2,832 |
| Loan and lease loss provision to assets | 0.0057% | 6,352 |
| Net operating income to assets | 0.2773% | 5,480 |
| Return on assets (ROA) | 0.3230% | 5,481 |
| Pretax return on assets | 0.4978% | 5,171 |
| Return on Equity (ROE) | 3.2605% | 5,327 |
| Retained earnings to average equity (ytd only) | 1.8988% | 5,191 |
| Net charge-offs to loans | 0.2072% | 4,145 |
| Credit loss provision to net charge-offs | 5.6604% | 5,702 |
| Earnings coverage of net charge-offs (x) | 4.3022% | 3,113 |
| Efficiency ratio | 88.0815% | 1,334 |
| Assets per employee ($millions) | 3.3380% | 5,396 |
| Cash dividends to net income (ytd only)* | 41.7630% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9171% | 920 |
| Loan loss allowance to noncurrent loans | 102.6998% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 1.6121% | 3,663 |
| Noncurrent loans to loans | 2.8404% | 2,451 |
| Net loans and leases to total assets | 45.1517% | 6,227 |
| Net loans and leases to deposits | 54.4076% | 6,177 |
| Net loans and leases to core deposits | 57.0630% | 6,217 |
| Total domestic deposits to total assets | 82.9879% | 4,689 |
| Equity capital to assets | 10.0389% | 4,286 |
| Core capital (leverage) ratio | 10.0752% | 3,341 |
| Tier 1 risk-based capital ratio | 16.4394% | 2,891 |
| Total risk-based capital ratio | 17.7012% | 2,852 |
| Memoranda: | ||
| Average total assets | $70,177,000 | 5,778 |
| Average earning assets | $62,972,750 | 5,808 |
| Average equity | $6,951,750 | 5,912 |
| Average total loans | $34,097,750 | 6,016 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3450% | 5,858 |
| Cost of funding earning assets | 0.7935% | 5,420 |
| Net interest margin | 3.5515% | 4,918 |
| Noninterest income to average assets | 0.3447% | 5,122 |
| Noninterest expense to average assets | 3.1679% | 3,015 |
| Loan and lease loss provision to assets | 0.0057% | 6,183 |
| Net operating income to assets | 0.2350% | 5,612 |
| Return on assets (ROA) | 0.2906% | 5,543 |
| Pretax return on assets | 0.4444% | 5,248 |
| Return on Equity (ROE) | 2.9466% | 5,414 |
| Retained earnings to average equity (ytd only) | 2.9466% | 4,406 |
| Net charge-offs to loans | 0.3006% | 3,369 |
| Credit loss provision to net charge-offs | 3.8462% | 5,303 |
| Earnings coverage of net charge-offs (x) | 2.4615% | 3,588 |
| Efficiency ratio | 89.6774% | 1,264 |
| Assets per employee ($millions) | 3.1365% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8032% | 1,076 |
| Loan loss allowance to noncurrent loans | 93.5103% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.9477% | 3,310 |
| Noncurrent loans to loans | 2.9978% | 2,423 |
| Net loans and leases to total assets | 47.7863% | 6,076 |
| Net loans and leases to deposits | 57.6932% | 5,970 |
| Net loans and leases to core deposits | 60.5583% | 6,045 |
| Total domestic deposits to total assets | 82.8283% | 4,835 |
| Equity capital to assets | 10.1561% | 3,937 |
| Core capital (leverage) ratio | 9.9428% | 3,333 |
| Tier 1 risk-based capital ratio | 16.3769% | 2,797 |
| Total risk-based capital ratio | 17.6407% | 2,751 |
| Memoranda: | ||
| Average total assets | $70,203,670 | 5,821 |
| Average earning assets | $63,015,000 | 5,855 |
| Average equity | $6,923,330 | 5,942 |
| Average total loans | $34,596,670 | 6,045 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 5,622 |
| Cost of funding earning assets | 0.7857% | 5,635 |
| Net interest margin | 3.6333% | 4,409 |
| Noninterest income to average assets | 0.3616% | 5,022 |
| Noninterest expense to average assets | 3.1072% | 3,216 |
| Loan and lease loss provision to assets | 0.0113% | 5,769 |
| Net operating income to assets | 0.3333% | 5,257 |
| Return on assets (ROA) | 0.3333% | 5,333 |
| Pretax return on assets | 0.5084% | 5,000 |
| Return on Equity (ROE) | 3.4297% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.4297% | 4,129 |
| Net charge-offs to loans | 0.5954% | 2,005 |
| Credit loss provision to net charge-offs | 3.8462% | 4,440 |
| Earnings coverage of net charge-offs (x) | 1.7692% | 3,419 |
| Efficiency ratio | 85.6698% | 1,752 |
| Assets per employee ($millions) | 3.2259% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7880% | 1,128 |
| Loan loss allowance to noncurrent loans | 80.3209% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 2.1291% | 3,148 |
| Noncurrent loans to loans | 3.4711% | 2,148 |
| Net loans and leases to total assets | 46.7226% | 6,213 |
| Net loans and leases to deposits | 56.0753% | 6,115 |
| Net loans and leases to core deposits | 59.3896% | 6,151 |
| Total domestic deposits to total assets | 83.3211% | 4,785 |
| Equity capital to assets | 9.7379% | 4,126 |
| Core capital (leverage) ratio | 9.9732% | 3,173 |
| Tier 1 risk-based capital ratio | 16.1136% | 2,855 |
| Total risk-based capital ratio | 17.3765% | 2,815 |
| Memoranda: | ||
| Average total assets | $70,804,000 | 5,851 |
| Average earning assets | $63,634,000 | 5,875 |
| Average equity | $6,881,000 | 5,960 |
| Average total loans | $34,932,500 | 6,082 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0536% | 4,305 |
| Cost of funding earning assets | 1.1081% | 5,096 |
| Net interest margin | 3.9455% | 3,279 |
| Noninterest income to average assets | 0.5316% | 3,942 |
| Noninterest expense to average assets | 3.6314% | 1,844 |
| Loan and lease loss provision to assets | 0.2086% | 5,163 |
| Net operating income to assets | 0.1448% | 5,459 |
| Return on assets (ROA) | 0.1448% | 5,611 |
| Pretax return on assets | 0.1883% | 5,514 |
| Return on Equity (ROE) | 1.5296% | 5,551 |
| Retained earnings to average equity (ytd only) | 1.5296% | 4,771 |
| Net charge-offs to loans | 1.0952% | 2,036 |
| Credit loss provision to net charge-offs | 33.6449% | 6,466 |
| Earnings coverage of net charge-offs (x) | 0.6402% | 5,470 |
| Efficiency ratio | 90.1474% | 1,313 |
| Assets per employee ($millions) | 3.0712% | 5,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7996% | 1,053 |
| Loan loss allowance to noncurrent loans | 48.5216% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 3.4160% | 2,046 |
| Noncurrent loans to loans | 5.7698% | 1,100 |
| Net loans and leases to total assets | 49.2001% | 6,256 |
| Net loans and leases to deposits | 59.1769% | 6,137 |
| Net loans and leases to core deposits | 62.6932% | 6,178 |
| Total domestic deposits to total assets | 83.1408% | 4,739 |
| Equity capital to assets | 9.6987% | 4,138 |
| Core capital (leverage) ratio | 9.6729% | 3,463 |
| Tier 1 risk-based capital ratio | 15.6592% | 2,923 |
| Total risk-based capital ratio | 16.9246% | 2,871 |
| Memoranda: | ||
| Average total assets | $69,037,600 | 5,912 |
| Average earning assets | $61,184,400 | 5,951 |
| Average equity | $6,537,600 | 6,189 |
| Average total loans | $39,078,400 | 5,961 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2392% | 3,638 |
| Cost of funding earning assets | 1.1833% | 4,963 |
| Net interest margin | 4.0559% | 2,830 |
| Noninterest income to average assets | 0.6100% | 3,377 |
| Noninterest expense to average assets | 3.7258% | 1,517 |
| Loan and lease loss provision to assets | 0.2758% | 4,378 |
| Net operating income to assets | 0.1515% | 5,637 |
| Return on assets (ROA) | 0.1515% | 5,792 |
| Pretax return on assets | 0.1904% | 5,751 |
| Return on Equity (ROE) | 1.6101% | 5,733 |
| Retained earnings to average equity (ytd only) | 1.6101% | 5,148 |
| Net charge-offs to loans | 1.4265% | 1,425 |
| Credit loss provision to net charge-offs | 33.2553% | 6,119 |
| Earnings coverage of net charge-offs (x) | 0.5621% | 5,455 |
| Efficiency ratio | 88.8786% | 1,375 |
| Assets per employee ($millions) | 2.9368% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5979% | 1,210 |
| Loan loss allowance to noncurrent loans | 63.4921% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 2.2346% | 3,154 |
| Noncurrent loans to loans | 4.0918% | 1,810 |
| Net loans and leases to total assets | 53.1930% | 5,957 |
| Net loans and leases to deposits | 63.6450% | 5,958 |
| Net loans and leases to core deposits | 66.1690% | 6,109 |
| Total domestic deposits to total assets | 83.5776% | 4,331 |
| Equity capital to assets | 9.7243% | 4,510 |
| Core capital (leverage) ratio | 9.9159% | 3,339 |
| Tier 1 risk-based capital ratio | 15.7692% | 2,872 |
| Total risk-based capital ratio | 16.8188% | 2,920 |
| Memoranda: | ||
| Average total assets | $68,637,500 | 5,988 |
| Average earning assets | $60,618,250 | 6,044 |
| Average equity | $6,459,250 | 6,295 |
| Average total loans | $39,909,250 | 6,008 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3781% | 3,072 |
| Cost of funding earning assets | 1.2706% | 4,712 |
| Net interest margin | 4.1075% | 2,521 |
| Noninterest income to average assets | 0.7292% | 2,523 |
| Noninterest expense to average assets | 3.8046% | 1,352 |
| Loan and lease loss provision to assets | 0.0794% | 6,146 |
| Net operating income to assets | 0.3058% | 5,157 |
| Return on assets (ROA) | 0.3058% | 5,315 |
| Pretax return on assets | 0.4381% | 5,098 |
| Return on Equity (ROE) | 3.2871% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.2871% | 4,009 |
| Net charge-offs to loans | 1.3967% | 1,364 |
| Credit loss provision to net charge-offs | 9.5745% | 5,944 |
| Earnings coverage of net charge-offs (x) | 0.6241% | 5,113 |
| Efficiency ratio | 88.0272% | 1,503 |
| Assets per employee ($millions) | 2.9045% | 6,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5458% | 1,244 |
| Loan loss allowance to noncurrent loans | 210.2041% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 1.4202% | 4,344 |
| Noncurrent loans to loans | 1.2111% | 4,940 |
| Net loans and leases to total assets | 56.5639% | 5,613 |
| Net loans and leases to deposits | 67.2528% | 5,651 |
| Net loans and leases to core deposits | 69.9195% | 5,878 |
| Total domestic deposits to total assets | 84.1063% | 4,067 |
| Equity capital to assets | 9.1698% | 5,188 |
| Core capital (leverage) ratio | 9.2497% | 4,209 |
| Tier 1 risk-based capital ratio | 15.0758% | 3,120 |
| Total risk-based capital ratio | 16.1615% | 3,172 |
| Memoranda: | ||
| Average total assets | $68,022,330 | 6,036 |
| Average earning assets | $59,501,000 | 6,118 |
| Average equity | $6,327,670 | 6,364 |
| Average total loans | $40,381,670 | 6,032 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6167% | 2,088 |
| Cost of funding earning assets | 1.3679% | 4,369 |
| Net interest margin | 4.2488% | 1,856 |
| Noninterest income to average assets | 0.3453% | 5,376 |
| Noninterest expense to average assets | 3.6380% | 1,644 |
| Loan and lease loss provision to assets | 0.0119% | 6,496 |
| Net operating income to assets | 0.2858% | 5,351 |
| Return on assets (ROA) | 0.2858% | 5,484 |
| Pretax return on assets | 0.3572% | 5,428 |
| Return on Equity (ROE) | 3.0498% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.0498% | 4,309 |
| Net charge-offs to loans | 2.7564% | 583 |
| Credit loss provision to net charge-offs | 0.7194% | 5,123 |
| Earnings coverage of net charge-offs (x) | 0.2230% | 4,840 |
| Efficiency ratio | 90.7875% | 1,371 |
| Assets per employee ($millions) | 2.8154% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5068% | 1,286 |
| Loan loss allowance to noncurrent loans | 143.7322% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 2.3783% | 3,051 |
| Noncurrent loans to loans | 1.7441% | 4,135 |
| Net loans and leases to total assets | 58.0769% | 5,425 |
| Net loans and leases to deposits | 69.2881% | 5,435 |
| Net loans and leases to core deposits | 73.0927% | 5,599 |
| Total domestic deposits to total assets | 83.8195% | 4,239 |
| Equity capital to assets | 9.3430% | 4,772 |
| Core capital (leverage) ratio | 9.3956% | 3,913 |
| Tier 1 risk-based capital ratio | 13.6269% | 3,910 |
| Total risk-based capital ratio | 14.5840% | 4,055 |
| Memoranda: | ||
| Average total assets | $67,180,000 | 6,131 |
| Average earning assets | $57,898,500 | 6,250 |
| Average equity | $6,295,500 | 6,418 |
| Average total loans | $40,343,000 | 6,109 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1371% | 1,413 |
| Cost of funding earning assets | 1.8027% | 3,981 |
| Net interest margin | 4.3344% | 1,618 |
| Noninterest income to average assets | 0.3731% | 5,423 |
| Noninterest expense to average assets | 3.5151% | 2,338 |
| Loan and lease loss provision to assets | 1.2806% | 1,807 |
| Net operating income to assets | -0.3137% | 5,993 |
| Return on assets (ROA) | -0.2933% | 5,961 |
| Pretax return on assets | -0.5924% | 6,088 |
| Return on Equity (ROE) | -3.0849% | 5,997 |
| Retained earnings to average equity (ytd only) | -3.0849% | 5,719 |
| Net charge-offs to loans | 1.4574% | 1,722 |
| Credit loss provision to net charge-offs | 139.5570% | 3,499 |
| Earnings coverage of net charge-offs (x) | 0.7152% | 5,389 |
| Efficiency ratio | 84.2673% | 2,319 |
| Assets per employee ($millions) | 2.6716% | 6,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2150% | 651 |
| Loan loss allowance to noncurrent loans | 115.4529% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 2.5842% | 2,714 |
| Noncurrent loans to loans | 2.7847% | 2,774 |
| Net loans and leases to total assets | 58.5932% | 5,557 |
| Net loans and leases to deposits | 70.2124% | 5,578 |
| Net loans and leases to core deposits | 88.0111% | 5,331 |
| Total domestic deposits to total assets | 83.4514% | 4,303 |
| Equity capital to assets | 9.3995% | 4,555 |
| Core capital (leverage) ratio | 9.1142% | 4,249 |
| Tier 1 risk-based capital ratio | 13.6615% | 3,709 |
| Total risk-based capital ratio | 14.9316% | 3,636 |
| Memoranda: | ||
| Average total assets | $68,874,400 | 6,039 |
| Average earning assets | $60,354,600 | 6,112 |
| Average equity | $6,548,000 | 6,407 |
| Average total loans | $43,365,400 | 5,966 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2365% | 1,277 |
| Cost of funding earning assets | 1.8734% | 4,026 |
| Net interest margin | 4.3631% | 1,549 |
| Noninterest income to average assets | 0.3881% | 5,405 |
| Noninterest expense to average assets | 3.4795% | 2,332 |
| Loan and lease loss provision to assets | 0.9991% | 1,922 |
| Net operating income to assets | -0.1186% | 5,918 |
| Return on assets (ROA) | -0.0903% | 5,912 |
| Pretax return on assets | -0.2114% | 5,995 |
| Return on Equity (ROE) | -0.9473% | 5,920 |
| Retained earnings to average equity (ytd only) | -0.9473% | 5,478 |
| Net charge-offs to loans | 1.0733% | 1,854 |
| Credit loss provision to net charge-offs | 146.4789% | 3,312 |
| Earnings coverage of net charge-offs (x) | 1.0902% | 4,971 |
| Efficiency ratio | 82.3931% | 2,527 |
| Assets per employee ($millions) | 2.8982% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8848% | 733 |
| Loan loss allowance to noncurrent loans | 85.5634% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 2.9041% | 2,385 |
| Noncurrent loans to loans | 3.3716% | 2,237 |
| Net loans and leases to total assets | 58.8044% | 5,766 |
| Net loans and leases to deposits | 70.4818% | 5,847 |
| Net loans and leases to core deposits | 87.2576% | 5,724 |
| Total domestic deposits to total assets | 83.4321% | 4,003 |
| Equity capital to assets | 9.2904% | 5,051 |
| Core capital (leverage) ratio | 9.2319% | 4,291 |
| Tier 1 risk-based capital ratio | 13.5997% | 3,777 |
| Total risk-based capital ratio | 14.8652% | 3,709 |
| Memoranda: | ||
| Average total assets | $69,395,250 | 6,061 |
| Average earning assets | $60,994,250 | 6,141 |
| Average equity | $6,615,500 | 6,445 |
| Average total loans | $44,098,000 | 5,965 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3931% | 1,022 |
| Cost of funding earning assets | 1.9371% | 4,078 |
| Net interest margin | 4.4560% | 1,271 |
| Noninterest income to average assets | 0.3894% | 5,381 |
| Noninterest expense to average assets | 3.4092% | 2,596 |
| Loan and lease loss provision to assets | 0.1442% | 5,627 |
| Net operating income to assets | 0.5144% | 4,034 |
| Return on assets (ROA) | 0.5163% | 4,146 |
| Pretax return on assets | 0.7932% | 3,694 |
| Return on Equity (ROE) | 5.3700% | 3,923 |
| Retained earnings to average equity (ytd only) | 5.3700% | 2,307 |
| Net charge-offs to loans | 0.6032% | 2,531 |
| Credit loss provision to net charge-offs | 37.0370% | 5,942 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,866 |
| Efficiency ratio | 78.4861% | 3,274 |
| Assets per employee ($millions) | 2.8758% | 6,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2005% | 1,242 |
| Loan loss allowance to noncurrent loans | 63.8650% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 2.4862% | 2,594 |
| Noncurrent loans to loans | 3.4456% | 2,044 |
| Net loans and leases to total assets | 62.1385% | 5,339 |
| Net loans and leases to deposits | 74.6359% | 5,359 |
| Net loans and leases to core deposits | 93.8468% | 5,135 |
| Total domestic deposits to total assets | 83.2556% | 4,123 |
| Equity capital to assets | 9.7508% | 4,284 |
| Core capital (leverage) ratio | 9.5433% | 3,819 |
| Tier 1 risk-based capital ratio | 13.9354% | 3,556 |
| Total risk-based capital ratio | 15.1962% | 3,483 |
| Memoranda: | ||
| Average total assets | $69,341,670 | 6,100 |
| Average earning assets | $61,535,000 | 6,164 |
| Average equity | $6,666,670 | 6,476 |
| Average total loans | $44,758,330 | 5,991 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5833% | 735 |
| Cost of funding earning assets | 2.0467% | 3,894 |
| Net interest margin | 4.5366% | 1,056 |
| Noninterest income to average assets | 0.3914% | 5,289 |
| Noninterest expense to average assets | 3.1941% | 3,004 |
| Loan and lease loss provision to assets | 0.0460% | 6,397 |
| Net operating income to assets | 0.7330% | 3,414 |
| Return on assets (ROA) | 0.7367% | 3,591 |
| Pretax return on assets | 1.1625% | 2,755 |
| Return on Equity (ROE) | 7.7167% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.7167% | 1,919 |
| Net charge-offs to loans | 0.4247% | 2,399 |
| Credit loss provision to net charge-offs | 16.6667% | 5,117 |
| Earnings coverage of net charge-offs (x) | 4.3542% | 2,905 |
| Efficiency ratio | 72.6440% | 4,074 |
| Assets per employee ($millions) | 2.9088% | 6,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2820% | 967 |
| Loan loss allowance to noncurrent loans | 74.0469% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.9538% | 2,976 |
| Noncurrent loans to loans | 3.0818% | 2,105 |
| Net loans and leases to total assets | 61.9521% | 5,338 |
| Net loans and leases to deposits | 74.2630% | 5,447 |
| Net loans and leases to core deposits | 94.4447% | 5,120 |
| Total domestic deposits to total assets | 83.4226% | 3,943 |
| Equity capital to assets | 9.5571% | 4,598 |
| Core capital (leverage) ratio | 9.5118% | 3,967 |
| Tier 1 risk-based capital ratio | 13.6369% | 3,781 |
| Total risk-based capital ratio | 14.8971% | 3,691 |
| Memoranda: | ||
| Average total assets | $69,502,500 | 6,123 |
| Average earning assets | $61,367,000 | 6,198 |
| Average equity | $6,635,000 | 6,532 |
| Average total loans | $45,211,000 | 6,003 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8668% | 1,498 |
| Cost of funding earning assets | 2.8810% | 2,348 |
| Net interest margin | 3.9858% | 3,187 |
| Noninterest income to average assets | 0.6945% | 3,150 |
| Noninterest expense to average assets | 3.5589% | 2,242 |
| Loan and lease loss provision to assets | 1.0445% | 1,404 |
| Net operating income to assets | -0.1103% | 6,508 |
| Return on assets (ROA) | -0.0431% | 6,282 |
| Pretax return on assets | -0.2006% | 6,371 |
| Return on Equity (ROE) | -0.4835% | 6,294 |
| Retained earnings to average equity (ytd only) | -1.5109% | 5,742 |
| Net charge-offs to loans | 1.4172% | 829 |
| Credit loss provision to net charge-offs | 106.8871% | 5,022 |
| Earnings coverage of net charge-offs (x) | 0.7562% | 5,772 |
| Efficiency ratio | 82.8061% | 2,204 |
| Assets per employee ($millions) | 2.8830% | 6,359 |
| Cash dividends to net income (ytd only)* | -212.5000% | 8,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2746% | 881 |
| Loan loss allowance to noncurrent loans | 201.9231% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.5753% | 3,089 |
| Noncurrent loans to loans | 1.1265% | 4,296 |
| Net loans and leases to total assets | 65.1973% | 5,015 |
| Net loans and leases to deposits | 78.2000% | 5,312 |
| Net loans and leases to core deposits | 101.4095% | 4,680 |
| Total domestic deposits to total assets | 83.3726% | 3,627 |
| Equity capital to assets | 9.5356% | 4,632 |
| Core capital (leverage) ratio | 9.0577% | 4,657 |
| Tier 1 risk-based capital ratio | 12.9620% | 4,134 |
| Total risk-based capital ratio | 14.2241% | 4,046 |
| Memoranda: | ||
| Average total assets | $74,293,200 | 5,906 |
| Average earning assets | $67,164,000 | 5,925 |
| Average equity | $6,618,400 | 6,598 |
| Average total loans | $51,228,000 | 5,657 |