Home > White Hall Bank > Performance and Condition Ratios
White Hall Bank, Performance and Condition Ratios
| 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 | 4.9081% | 1,981 |
| Cost of funding earning assets | 1.1791% | 763 |
| Net interest margin | 3.7290% | 3,663 |
| Noninterest income to average assets | 0.3607% | 4,936 |
| Noninterest expense to average assets | 2.3633% | 5,509 |
| Loan and lease loss provision to assets | 0.2488% | 2,575 |
| Net operating income to assets | 1.2265% | 1,645 |
| Return on assets (ROA) | 1.4851% | 1,162 |
| Pretax return on assets | 1.4951% | 1,901 |
| Return on Equity (ROE) | 16.4060% | 681 |
| Retained earnings to average equity (ytd only) | 6.5129% | 2,371 |
| Net charge-offs to loans | 0.1143% | 4,241 |
| Credit loss provision to net charge-offs | 384.6154% | 704 |
| Earnings coverage of net charge-offs (x) | 22.9204% | 1,337 |
| Efficiency ratio | 61.4489% | 5,236 |
| Assets per employee ($millions) | 3.7624% | 4,401 |
| Cash dividends to net income (ytd only)* | 60.3018% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1724% | 1,763 |
| Loan loss allowance to noncurrent loans | 114.2355% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.3745% | 3,548 |
| Noncurrent loans to loans | 1.9017% | 2,958 |
| Net loans and leases to total assets | 55.5701% | 4,511 |
| Net loans and leases to deposits | 66.6325% | 4,384 |
| Net loans and leases to core deposits | 71.3109% | 4,336 |
| Total domestic deposits to total assets | 83.3979% | 4,481 |
| Equity capital to assets | 9.7999% | 4,782 |
| Core capital (leverage) ratio | 7.9450% | 6,371 |
| Tier 1 risk-based capital ratio | 12.7079% | 5,471 |
| Total risk-based capital ratio | 13.9661% | 5,427 |
| Memoranda: | ||
| Average total assets | $53,597,250 | 6,168 |
| Average earning assets | $50,092,500 | 6,115 |
| Average equity | $4,851,750 | 6,408 |
| Average total loans | $30,337,750 | 6,007 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 1,737 |
| Cost of funding earning assets | 1.1908% | 852 |
| Net interest margin | 3.8272% | 3,232 |
| Noninterest income to average assets | 0.3673% | 4,892 |
| Noninterest expense to average assets | 2.3263% | 5,668 |
| Loan and lease loss provision to assets | 0.2783% | 2,361 |
| Net operating income to assets | 1.3137% | 1,407 |
| Return on assets (ROA) | 1.3394% | 1,491 |
| Pretax return on assets | 1.3542% | 2,376 |
| Return on Equity (ROE) | 15.2053% | 904 |
| Retained earnings to average equity (ytd only) | 5.9389% | 2,748 |
| Net charge-offs to loans | 0.1706% | 3,579 |
| Credit loss provision to net charge-offs | 288.4615% | 1,014 |
| Earnings coverage of net charge-offs (x) | 16.6538% | 1,580 |
| Efficiency ratio | 59.1509% | 5,715 |
| Assets per employee ($millions) | 3.8800% | 4,124 |
| Cash dividends to net income (ytd only)* | 60.9418% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0254% | 2,163 |
| Loan loss allowance to noncurrent loans | 249.0040% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 4,891 |
| Noncurrent loans to loans | 0.8134% | 4,885 |
| Net loans and leases to total assets | 55.6572% | 4,523 |
| Net loans and leases to deposits | 66.1510% | 4,493 |
| Net loans and leases to core deposits | 71.0028% | 4,413 |
| Total domestic deposits to total assets | 84.1366% | 4,256 |
| Equity capital to assets | 9.2415% | 5,414 |
| Core capital (leverage) ratio | 7.6193% | 6,557 |
| Tier 1 risk-based capital ratio | 12.0010% | 5,936 |
| Total risk-based capital ratio | 13.2569% | 5,907 |
| Memoranda: | ||
| Average total assets | $53,905,000 | 6,190 |
| Average earning assets | $50,219,670 | 6,150 |
| Average equity | $4,748,330 | 6,464 |
| Average total loans | $30,476,670 | 6,040 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 1,425 |
| Cost of funding earning assets | 1.1913% | 1,024 |
| Net interest margin | 3.9603% | 2,668 |
| Noninterest income to average assets | 0.8120% | 2,107 |
| Noninterest expense to average assets | 2.4508% | 5,314 |
| Loan and lease loss provision to assets | 0.1862% | 3,109 |
| Net operating income to assets | 1.8176% | 581 |
| Return on assets (ROA) | 1.8176% | 653 |
| Pretax return on assets | 1.8399% | 997 |
| Return on Equity (ROE) | 21.1599% | 309 |
| Retained earnings to average equity (ytd only) | 10.7534% | 1,101 |
| Net charge-offs to loans | 0.3434% | 2,276 |
| Credit loss provision to net charge-offs | 96.1538% | 2,435 |
| Earnings coverage of net charge-offs (x) | 10.4615% | 1,753 |
| Efficiency ratio | 54.7421% | 6,259 |
| Assets per employee ($millions) | 3.9449% | 4,123 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 2,671 |
| Loan loss allowance to noncurrent loans | 260.1810% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.9234% | 4,675 |
| Noncurrent loans to loans | 0.7305% | 5,200 |
| Net loans and leases to total assets | 53.7354% | 4,765 |
| Net loans and leases to deposits | 63.2529% | 4,733 |
| Net loans and leases to core deposits | 66.6031% | 4,843 |
| Total domestic deposits to total assets | 84.9533% | 4,066 |
| Equity capital to assets | 8.5446% | 6,048 |
| Core capital (leverage) ratio | 7.6583% | 6,524 |
| Tier 1 risk-based capital ratio | 12.1479% | 5,862 |
| Total risk-based capital ratio | 13.4023% | 5,835 |
| Memoranda: | ||
| Average total assets | $53,697,500 | 6,241 |
| Average earning assets | $49,693,500 | 6,206 |
| Average equity | $4,612,500 | 6,545 |
| Average total loans | $30,286,000 | 6,097 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 3,013 |
| Cost of funding earning assets | 1.2857% | 1,548 |
| Net interest margin | 3.6860% | 4,362 |
| Noninterest income to average assets | 0.2048% | 6,041 |
| Noninterest expense to average assets | 2.7165% | 4,685 |
| Loan and lease loss provision to assets | 0.5850% | 1,770 |
| Net operating income to assets | 0.3452% | 5,089 |
| Return on assets (ROA) | 0.5246% | 4,533 |
| Pretax return on assets | 0.5265% | 4,913 |
| Return on Equity (ROE) | 6.5187% | 3,631 |
| Retained earnings to average equity (ytd only) | 4.3377% | 3,095 |
| Net charge-offs to loans | 0.8730% | 1,989 |
| Credit loss provision to net charge-offs | 111.1111% | 2,998 |
| Earnings coverage of net charge-offs (x) | 1.7704% | 4,452 |
| Efficiency ratio | 74.4522% | 3,152 |
| Assets per employee ($millions) | 4.0128% | 3,824 |
| Cash dividends to net income (ytd only)* | 33.4572% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8997% | 2,571 |
| Loan loss allowance to noncurrent loans | 72.9114% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.1374% | 2,806 |
| Noncurrent loans to loans | 2.6055% | 2,510 |
| Net loans and leases to total assets | 57.0169% | 4,541 |
| Net loans and leases to deposits | 67.5647% | 4,503 |
| Net loans and leases to core deposits | 71.3816% | 4,608 |
| Total domestic deposits to total assets | 84.3886% | 4,144 |
| Equity capital to assets | 8.6376% | 5,974 |
| Core capital (leverage) ratio | 7.6919% | 6,538 |
| Tier 1 risk-based capital ratio | 12.0905% | 5,766 |
| Total risk-based capital ratio | 13.3463% | 5,743 |
| Memoranda: | ||
| Average total assets | $51,278,600 | 6,329 |
| Average earning assets | $47,910,800 | 6,261 |
| Average equity | $4,126,600 | 6,719 |
| Average total loans | $30,928,200 | 6,124 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 3,274 |
| Cost of funding earning assets | 1.2922% | 1,747 |
| Net interest margin | 3.6710% | 4,467 |
| Noninterest income to average assets | 0.1515% | 6,503 |
| Noninterest expense to average assets | 2.7002% | 4,722 |
| Loan and lease loss provision to assets | 0.5876% | 1,678 |
| Net operating income to assets | 0.3108% | 5,359 |
| Return on assets (ROA) | 0.5510% | 4,495 |
| Pretax return on assets | 0.5536% | 4,960 |
| Return on Equity (ROE) | 6.9779% | 3,537 |
| Retained earnings to average equity (ytd only) | 4.0015% | 3,868 |
| Net charge-offs to loans | 0.6563% | 2,286 |
| Credit loss provision to net charge-offs | 147.0588% | 2,138 |
| Earnings coverage of net charge-offs (x) | 2.2550% | 4,000 |
| Efficiency ratio | 74.9819% | 3,008 |
| Assets per employee ($millions) | 4.3847% | 3,100 |
| Cash dividends to net income (ytd only)* | 42.6545% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9981% | 2,346 |
| Loan loss allowance to noncurrent loans | 66.1670% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.3111% | 2,775 |
| Noncurrent loans to loans | 3.0198% | 2,289 |
| Net loans and leases to total assets | 57.6080% | 4,564 |
| Net loans and leases to deposits | 67.9680% | 4,613 |
| Net loans and leases to core deposits | 71.7692% | 4,743 |
| Total domestic deposits to total assets | 84.7575% | 3,887 |
| Equity capital to assets | 8.4347% | 6,365 |
| Core capital (leverage) ratio | 7.7413% | 6,603 |
| Tier 1 risk-based capital ratio | 11.7141% | 6,095 |
| Total risk-based capital ratio | 12.9515% | 6,100 |
| Memoranda: | ||
| Average total assets | $51,056,500 | 6,390 |
| Average earning assets | $47,978,750 | 6,311 |
| Average equity | $4,031,750 | 6,792 |
| Average total loans | $31,080,250 | 6,180 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 3,177 |
| Cost of funding earning assets | 1.3287% | 1,769 |
| Net interest margin | 3.6665% | 4,431 |
| Noninterest income to average assets | 0.0594% | 7,009 |
| Noninterest expense to average assets | 2.6120% | 5,141 |
| Loan and lease loss provision to assets | 0.5936% | 1,628 |
| Net operating income to assets | 0.3044% | 5,361 |
| Return on assets (ROA) | 0.6649% | 3,839 |
| Pretax return on assets | 0.6688% | 4,503 |
| Return on Equity (ROE) | 8.6235% | 2,668 |
| Retained earnings to average equity (ytd only) | 4.0038% | 3,652 |
| Net charge-offs to loans | -0.0193% | 6,812 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4081% | 3,287 |
| Assets per employee ($millions) | 3.5899% | 4,717 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2793% | 1,780 |
| Loan loss allowance to noncurrent loans | 57.6257% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 3.3725% | 1,956 |
| Noncurrent loans to loans | 3.9554% | 1,753 |
| Net loans and leases to total assets | 59.6271% | 4,341 |
| Net loans and leases to deposits | 71.2658% | 4,240 |
| Net loans and leases to core deposits | 73.9768% | 4,585 |
| Total domestic deposits to total assets | 83.6686% | 4,480 |
| Equity capital to assets | 8.2214% | 6,501 |
| Core capital (leverage) ratio | 7.4524% | 6,776 |
| Tier 1 risk-based capital ratio | 11.9276% | 5,845 |
| Total risk-based capital ratio | 13.1861% | 5,816 |
| Memoranda: | ||
| Average total assets | $50,536,670 | 6,467 |
| Average earning assets | $47,565,330 | 6,378 |
| Average equity | $3,896,330 | 6,875 |
| Average total loans | $31,130,670 | 6,235 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 2,919 |
| Cost of funding earning assets | 1.3415% | 1,938 |
| Net interest margin | 3.6955% | 4,135 |
| Noninterest income to average assets | 0.2210% | 6,154 |
| Noninterest expense to average assets | 2.6048% | 5,203 |
| Loan and lease loss provision to assets | 0.5920% | 1,453 |
| Net operating income to assets | 0.4815% | 4,566 |
| Return on assets (ROA) | 0.4815% | 4,649 |
| Pretax return on assets | 0.4815% | 5,084 |
| Return on Equity (ROE) | 6.4576% | 3,648 |
| Retained earnings to average equity (ytd only) | -3.0700% | 6,312 |
| Net charge-offs to loans | -0.0255% | 6,652 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8155% | 4,097 |
| Assets per employee ($millions) | 3.8190% | 4,264 |
| Cash dividends to net income (ytd only)* | 147.5410% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9986% | 2,424 |
| Loan loss allowance to noncurrent loans | 64.4261% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 2.8392% | 2,428 |
| Noncurrent loans to loans | 3.1021% | 2,418 |
| Net loans and leases to total assets | 57.1372% | 4,778 |
| Net loans and leases to deposits | 66.9831% | 4,828 |
| Net loans and leases to core deposits | 68.6988% | 5,205 |
| Total domestic deposits to total assets | 85.3009% | 3,886 |
| Equity capital to assets | 7.0662% | 7,066 |
| Core capital (leverage) ratio | 7.7210% | 6,539 |
| Tier 1 risk-based capital ratio | 8.9226% | 7,226 |
| Total risk-based capital ratio | 10.1746% | 7,232 |
| Memoranda: | ||
| Average total assets | $50,675,500 | 6,511 |
| Average earning assets | $47,408,500 | 6,434 |
| Average equity | $3,778,500 | 6,940 |
| Average total loans | $31,362,500 | 6,274 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3914% | 2,711 |
| Cost of funding earning assets | 1.5801% | 2,189 |
| Net interest margin | 3.8113% | 3,900 |
| Noninterest income to average assets | 0.5208% | 4,019 |
| Noninterest expense to average assets | 2.6935% | 5,019 |
| Loan and lease loss provision to assets | 0.6403% | 2,572 |
| Net operating income to assets | 0.7556% | 2,975 |
| Return on assets (ROA) | 0.9540% | 2,316 |
| Pretax return on assets | 0.9583% | 3,073 |
| Return on Equity (ROE) | 11.2137% | 1,522 |
| Retained earnings to average equity (ytd only) | 2.1825% | 4,367 |
| Net charge-offs to loans | 1.1759% | 1,894 |
| Credit loss provision to net charge-offs | 79.5756% | 5,574 |
| Earnings coverage of net charge-offs (x) | 1.7401% | 4,413 |
| Efficiency ratio | 65.7977% | 5,009 |
| Assets per employee ($millions) | 3.6835% | 4,499 |
| Cash dividends to net income (ytd only)* | 80.5369% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 3,101 |
| Loan loss allowance to noncurrent loans | 70.3608% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 2.8193% | 2,487 |
| Noncurrent loans to loans | 2.4594% | 3,064 |
| Net loans and leases to total assets | 64.7531% | 3,722 |
| Net loans and leases to deposits | 78.2748% | 3,467 |
| Net loans and leases to core deposits | 80.5900% | 4,118 |
| Total domestic deposits to total assets | 82.7253% | 4,919 |
| Equity capital to assets | 7.8918% | 6,592 |
| Core capital (leverage) ratio | 8.0758% | 6,070 |
| Tier 1 risk-based capital ratio | 9.1696% | 7,208 |
| Total risk-based capital ratio | 10.4208% | 7,212 |
| Memoranda: | ||
| Average total assets | $46,853,200 | 6,639 |
| Average earning assets | $43,922,200 | 6,583 |
| Average equity | $3,986,200 | 7,008 |
| Average total loans | $32,061,000 | 6,311 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4866% | 2,486 |
| Cost of funding earning assets | 1.6081% | 2,339 |
| Net interest margin | 3.8784% | 3,617 |
| Noninterest income to average assets | 0.5294% | 3,946 |
| Noninterest expense to average assets | 2.5181% | 5,644 |
| Loan and lease loss provision to assets | 0.6438% | 2,371 |
| Net operating income to assets | 1.0015% | 2,233 |
| Return on assets (ROA) | 1.2705% | 1,494 |
| Pretax return on assets | 1.2733% | 2,252 |
| Return on Equity (ROE) | 14.6605% | 919 |
| Retained earnings to average equity (ytd only) | 8.7169% | 1,152 |
| Net charge-offs to loans | 1.0438% | 1,939 |
| Credit loss provision to net charge-offs | 89.2857% | 4,798 |
| Earnings coverage of net charge-offs (x) | 2.2857% | 4,024 |
| Efficiency ratio | 60.4396% | 5,884 |
| Assets per employee ($millions) | 3.8520% | 4,141 |
| Cash dividends to net income (ytd only)* | 40.5395% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 2,482 |
| Loan loss allowance to noncurrent loans | 64.8531% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 3.3987% | 2,093 |
| Noncurrent loans to loans | 2.9307% | 2,721 |
| Net loans and leases to total assets | 66.5498% | 3,558 |
| Net loans and leases to deposits | 81.3896% | 3,203 |
| Net loans and leases to core deposits | 84.5203% | 3,873 |
| Total domestic deposits to total assets | 81.7670% | 5,092 |
| Equity capital to assets | 9.3739% | 5,020 |
| Core capital (leverage) ratio | 8.7438% | 5,116 |
| Tier 1 risk-based capital ratio | 9.5946% | 7,231 |
| Total risk-based capital ratio | 10.8460% | 7,221 |
| Memoranda: | ||
| Average total assets | $46,595,250 | 6,726 |
| Average earning assets | $43,693,250 | 6,671 |
| Average equity | $4,038,000 | 7,076 |
| Average total loans | $32,188,000 | 6,386 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3882% | 3,023 |
| Cost of funding earning assets | 1.6124% | 2,587 |
| Net interest margin | 3.7758% | 4,016 |
| Noninterest income to average assets | 0.5137% | 4,001 |
| Noninterest expense to average assets | 2.4658% | 5,860 |
| Loan and lease loss provision to assets | 0.6421% | 2,238 |
| Net operating income to assets | 0.9504% | 2,365 |
| Return on assets (ROA) | 0.9504% | 2,451 |
| Pretax return on assets | 0.9546% | 3,292 |
| Return on Equity (ROE) | 11.2700% | 1,661 |
| Retained earnings to average equity (ytd only) | 6.7011% | 1,973 |
| Net charge-offs to loans | 1.1890% | 1,598 |
| Credit loss provision to net charge-offs | 77.7202% | 4,772 |
| Earnings coverage of net charge-offs (x) | 1.9326% | 4,070 |
| Efficiency ratio | 60.6955% | 5,921 |
| Assets per employee ($millions) | 3.8648% | 4,065 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 2,682 |
| Loan loss allowance to noncurrent loans | 60.7330% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 2.9023% | 2,476 |
| Noncurrent loans to loans | 2.9869% | 2,686 |
| Net loans and leases to total assets | 67.6909% | 3,457 |
| Net loans and leases to deposits | 83.2993% | 3,011 |
| Net loans and leases to core deposits | 86.5083% | 3,764 |
| Total domestic deposits to total assets | 81.2623% | 5,312 |
| Equity capital to assets | 8.8643% | 5,654 |
| Core capital (leverage) ratio | 8.4071% | 5,568 |
| Tier 1 risk-based capital ratio | 9.4645% | 7,274 |
| Total risk-based capital ratio | 10.7165% | 7,279 |
| Memoranda: | ||
| Average total assets | $46,719,000 | 6,769 |
| Average earning assets | $43,910,670 | 6,701 |
| Average equity | $3,939,670 | 7,144 |
| Average total loans | $32,464,670 | 6,410 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 3,077 |
| Cost of funding earning assets | 1.6281% | 2,784 |
| Net interest margin | 3.7627% | 3,949 |
| Noninterest income to average assets | 0.6313% | 3,071 |
| Noninterest expense to average assets | 2.2435% | 6,569 |
| Loan and lease loss provision to assets | 0.6398% | 1,982 |
| Net operating income to assets | 1.2967% | 1,308 |
| Return on assets (ROA) | 1.2967% | 1,375 |
| Pretax return on assets | 1.2967% | 2,058 |
| Return on Equity (ROE) | 15.7758% | 752 |
| Retained earnings to average equity (ytd only) | 6.4349% | 2,387 |
| Net charge-offs to loans | 1.6142% | 1,078 |
| Credit loss provision to net charge-offs | 56.8182% | 4,364 |
| Earnings coverage of net charge-offs (x) | 1.7197% | 3,700 |
| Efficiency ratio | 53.6735% | 7,003 |
| Assets per employee ($millions) | 3.9768% | 3,929 |
| Cash dividends to net income (ytd only)* | 59.2105% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8149% | 2,690 |
| Loan loss allowance to noncurrent loans | 55.8185% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 2.7933% | 2,607 |
| Noncurrent loans to loans | 3.2515% | 2,458 |
| Net loans and leases to total assets | 64.1646% | 4,294 |
| Net loans and leases to deposits | 77.0760% | 4,210 |
| Net loans and leases to core deposits | 83.7001% | 4,246 |
| Total domestic deposits to total assets | 83.2485% | 4,501 |
| Equity capital to assets | 8.1725% | 6,468 |
| Core capital (leverage) ratio | 8.1388% | 6,010 |
| Tier 1 risk-based capital ratio | 9.8862% | 7,103 |
| Total risk-based capital ratio | 11.1507% | 7,084 |
| Memoranda: | ||
| Average total assets | $46,890,000 | 6,843 |
| Average earning assets | $44,224,000 | 6,768 |
| Average equity | $3,854,000 | 7,229 |
| Average total loans | $32,710,500 | 6,475 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8793% | 2,329 |
| Cost of funding earning assets | 1.9434% | 3,243 |
| Net interest margin | 3.9359% | 3,138 |
| Noninterest income to average assets | 0.4555% | 4,757 |
| Noninterest expense to average assets | 2.8135% | 4,916 |
| Loan and lease loss provision to assets | 0.7270% | 2,933 |
| Net operating income to assets | 0.5839% | 3,388 |
| Return on assets (ROA) | 0.5728% | 3,508 |
| Pretax return on assets | 0.5981% | 3,904 |
| Return on Equity (ROE) | 6.5064% | 2,988 |
| Retained earnings to average equity (ytd only) | -0.8100% | 5,208 |
| Net charge-offs to loans | 0.6651% | 3,188 |
| Credit loss provision to net charge-offs | 145.6221% | 3,255 |
| Earnings coverage of net charge-offs (x) | 2.6774% | 3,764 |
| Efficiency ratio | 67.7938% | 5,046 |
| Assets per employee ($millions) | 3.8383% | 4,184 |
| Cash dividends to net income (ytd only)* | 112.4498% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8198% | 2,481 |
| Loan loss allowance to noncurrent loans | 113.0672% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 1.9801% | 3,424 |
| Noncurrent loans to loans | 1.6095% | 4,243 |
| Net loans and leases to total assets | 72.9760% | 2,518 |
| Net loans and leases to deposits | 88.1511% | 2,533 |
| Net loans and leases to core deposits | 108.9424% | 3,010 |
| Total domestic deposits to total assets | 82.7851% | 4,623 |
| Equity capital to assets | 8.2677% | 6,246 |
| Core capital (leverage) ratio | 8.3897% | 5,456 |
| Tier 1 risk-based capital ratio | 9.4594% | 7,256 |
| Total risk-based capital ratio | 10.7143% | 7,227 |
| Memoranda: | ||
| Average total assets | $43,468,600 | 6,967 |
| Average earning assets | $40,804,400 | 6,915 |
| Average equity | $3,827,000 | 7,346 |
| Average total loans | $32,626,800 | 6,488 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0004% | 2,039 |
| Cost of funding earning assets | 2.0012% | 3,350 |
| Net interest margin | 3.9992% | 2,826 |
| Noninterest income to average assets | 0.4764% | 4,702 |
| Noninterest expense to average assets | 2.7494% | 5,107 |
| Loan and lease loss provision to assets | 0.7161% | 2,587 |
| Net operating income to assets | 0.7286% | 3,105 |
| Return on assets (ROA) | 0.7286% | 3,168 |
| Pretax return on assets | 0.7629% | 3,655 |
| Return on Equity (ROE) | 8.1422% | 2,582 |
| Retained earnings to average equity (ytd only) | 0.8351% | 4,833 |
| Net charge-offs to loans | -0.1572% | 7,956 |
| Credit loss provision to net charge-offs | -605.2632% | 7,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0221% | 5,547 |
| Assets per employee ($millions) | 3.6932% | 4,440 |
| Cash dividends to net income (ytd only)* | 89.7433% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3478% | 1,238 |
| Loan loss allowance to noncurrent loans | 110.0000% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 2.2767% | 3,008 |
| Noncurrent loans to loans | 2.1343% | 3,467 |
| Net loans and leases to total assets | 74.3310% | 2,437 |
| Net loans and leases to deposits | 90.8820% | 2,417 |
| Net loans and leases to core deposits | 110.1923% | 3,215 |
| Total domestic deposits to total assets | 81.7884% | 4,773 |
| Equity capital to assets | 8.9332% | 5,587 |
| Core capital (leverage) ratio | 8.5689% | 5,352 |
| Tier 1 risk-based capital ratio | 9.5745% | 7,323 |
| Total risk-based capital ratio | 10.8317% | 7,277 |
| Memoranda: | ||
| Average total assets | $42,821,000 | 7,049 |
| Average earning assets | $40,174,000 | 6,992 |
| Average equity | $3,831,750 | 7,404 |
| Average total loans | $32,224,750 | 6,556 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0265% | 2,072 |
| Cost of funding earning assets | 2.0307% | 3,621 |
| Net interest margin | 3.9958% | 2,714 |
| Noninterest income to average assets | 0.4915% | 4,516 |
| Noninterest expense to average assets | 2.7362% | 5,236 |
| Loan and lease loss provision to assets | 0.7325% | 2,237 |
| Net operating income to assets | 0.7136% | 3,196 |
| Return on assets (ROA) | 0.7136% | 3,301 |
| Pretax return on assets | 0.7608% | 3,802 |
| Return on Equity (ROE) | 7.9697% | 2,783 |
| Retained earnings to average equity (ytd only) | 0.5806% | 4,963 |
| Net charge-offs to loans | -0.0378% | 7,809 |
| Credit loss provision to net charge-offs | -2,583.3333% | 7,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6927% | 5,774 |
| Assets per employee ($millions) | 3.6938% | 4,342 |
| Cash dividends to net income (ytd only)* | 92.7152% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0061% | 1,554 |
| Loan loss allowance to noncurrent loans | 144.5148% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 1.7665% | 3,526 |
| Noncurrent loans to loans | 1.3882% | 4,437 |
| Net loans and leases to total assets | 75.4884% | 2,317 |
| Net loans and leases to deposits | 92.1943% | 2,431 |
| Net loans and leases to core deposits | 110.2286% | 3,351 |
| Total domestic deposits to total assets | 81.8797% | 4,739 |
| Equity capital to assets | 8.5548% | 5,968 |
| Core capital (leverage) ratio | 8.5378% | 5,374 |
| Tier 1 risk-based capital ratio | 9.7977% | 7,140 |
| Total risk-based capital ratio | 11.0523% | 7,078 |
| Memoranda: | ||
| Average total assets | $42,322,000 | 7,122 |
| Average earning assets | $39,592,000 | 7,070 |
| Average equity | $3,789,330 | 7,478 |
| Average total loans | $31,721,670 | 6,626 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1338% | 1,814 |
| Cost of funding earning assets | 2.0481% | 3,890 |
| Net interest margin | 4.0857% | 2,331 |
| Noninterest income to average assets | 0.3582% | 5,580 |
| Noninterest expense to average assets | 2.5653% | 5,587 |
| Loan and lease loss provision to assets | 0.7744% | 1,661 |
| Net operating income to assets | 0.7357% | 3,408 |
| Return on assets (ROA) | 0.7357% | 3,595 |
| Pretax return on assets | 0.8228% | 3,996 |
| Return on Equity (ROE) | 8.0253% | 3,141 |
| Retained earnings to average equity (ytd only) | 0.6336% | 5,406 |
| Net charge-offs to loans | 0.0131% | 5,424 |
| Credit loss provision to net charge-offs | 8,000.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 261 |
| Efficiency ratio | 61.6279% | 6,123 |
| Assets per employee ($millions) | 3.4859% | 4,856 |
| Cash dividends to net income (ytd only)* | 92.1053% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9926% | 1,437 |
| Loan loss allowance to noncurrent loans | 115.5172% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 2.0272% | 2,852 |
| Noncurrent loans to loans | 1.7249% | 3,674 |
| Net loans and leases to total assets | 70.9020% | 3,491 |
| Net loans and leases to deposits | 82.3770% | 4,224 |
| Net loans and leases to core deposits | 98.9788% | 4,645 |
| Total domestic deposits to total assets | 86.0701% | 2,672 |
| Equity capital to assets | 8.8642% | 5,531 |
| Core capital (leverage) ratio | 9.1190% | 4,525 |
| Tier 1 risk-based capital ratio | 11.0888% | 5,822 |
| Total risk-based capital ratio | 12.3438% | 5,725 |
| Memoranda: | ||
| Average total assets | $41,320,000 | 7,193 |
| Average earning assets | $38,475,500 | 7,146 |
| Average equity | $3,788,000 | 7,521 |
| Average total loans | $30,509,500 | 6,735 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7515% | 1,860 |
| Cost of funding earning assets | 2.6064% | 3,659 |
| Net interest margin | 4.1451% | 2,522 |
| Noninterest income to average assets | 0.4632% | 4,937 |
| Noninterest expense to average assets | 2.6437% | 5,474 |
| Loan and lease loss provision to assets | 0.8456% | 1,766 |
| Net operating income to assets | 0.8195% | 3,351 |
| Return on assets (ROA) | 0.8195% | 3,191 |
| Pretax return on assets | 0.8195% | 3,995 |
| Return on Equity (ROE) | 9.0489% | 2,630 |
| Retained earnings to average equity (ytd only) | 3.2786% | 3,112 |
| Net charge-offs to loans | 0.8640% | 1,447 |
| Credit loss provision to net charge-offs | 134.3396% | 3,961 |
| Earnings coverage of net charge-offs (x) | 2.6453% | 4,766 |
| Efficiency ratio | 61.3561% | 6,095 |
| Assets per employee ($millions) | 3.4008% | 4,940 |
| Cash dividends to net income (ytd only)* | 63.7681% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7037% | 1,898 |
| Loan loss allowance to noncurrent loans | 176.4310% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.5487% | 3,125 |
| Noncurrent loans to loans | 0.9656% | 4,668 |
| Net loans and leases to total assets | 74.0841% | 3,081 |
| Net loans and leases to deposits | 86.8689% | 3,982 |
| Net loans and leases to core deposits | 104.8919% | 4,314 |
| Total domestic deposits to total assets | 85.2827% | 2,711 |
| Equity capital to assets | 9.4783% | 4,721 |
| Core capital (leverage) ratio | 8.8415% | 4,982 |
| Tier 1 risk-based capital ratio | 11.3960% | 5,333 |
| Total risk-based capital ratio | 12.6496% | 5,237 |
| Memoranda: | ||
| Average total assets | $42,100,600 | 7,122 |
| Average earning assets | $39,058,000 | 7,080 |
| Average equity | $3,812,600 | 7,574 |
| Average total loans | $30,673,000 | 6,666 |