Home > Winthrop State Bank > Performance and Condition Ratios
Winthrop State Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9344% | 5,792 |
| Cost of funding earning assets | 0.1739% | 5,509 |
| Net interest margin | 2.7605% | 5,580 |
| Noninterest income to average assets | 0.2612% | 5,024 |
| Noninterest expense to average assets | 2.0424% | 5,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6689% | 3,958 |
| Return on assets (ROA) | 0.7323% | 3,756 |
| Pretax return on assets | 0.7323% | 4,425 |
| Return on Equity (ROE) | 6.7361% | 3,663 |
| Retained earnings to average equity (ytd only) | 4.5150% | 2,772 |
| Net charge-offs to loans | 0.1628% | 1,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 28.1667% | 1,514 |
| Efficiency ratio | 75.3285% | 2,379 |
| Assets per employee ($millions) | 4.1457% | 3,667 |
| Cash dividends to net income (ytd only)* | 32.9730% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4896% | 400 |
| Loan loss allowance to noncurrent loans | 323.0769% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 5,185 |
| Noncurrent loans to loans | 0.7706% | 2,867 |
| Net loans and leases to total assets | 13.2267% | 6,116 |
| Net loans and leases to deposits | 14.8815% | 6,121 |
| Net loans and leases to core deposits | 15.0545% | 6,114 |
| Total domestic deposits to total assets | 88.8800% | 1,185 |
| Equity capital to assets | 11.0879% | 2,734 |
| Core capital (leverage) ratio | 10.5738% | 2,853 |
| Tier 1 risk-based capital ratio | 36.1380% | 309 |
| Total risk-based capital ratio | 37.2835% | 301 |
| Memoranda: | ||
| Average total assets | $25,264,200 | 6,020 |
| Average earning assets | $22,423,600 | 6,021 |
| Average equity | $2,746,400 | 6,026 |
| Average total loans | $3,684,600 | 6,133 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8876% | 5,901 |
| Cost of funding earning assets | 0.1733% | 5,601 |
| Net interest margin | 2.7144% | 5,707 |
| Noninterest income to average assets | 0.1998% | 5,442 |
| Noninterest expense to average assets | 1.9346% | 5,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7360% | 3,742 |
| Return on assets (ROA) | 0.8148% | 3,449 |
| Pretax return on assets | 0.8148% | 4,291 |
| Return on Equity (ROE) | 7.5327% | 3,316 |
| Retained earnings to average equity (ytd only) | 5.4915% | 2,587 |
| Net charge-offs to loans | 0.2126% | 1,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 23.3325% | 1,740 |
| Efficiency ratio | 72.4409% | 2,798 |
| Assets per employee ($millions) | 4.2602% | 3,405 |
| Cash dividends to net income (ytd only)* | 27.0976% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4867% | 444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 12.8868% | 6,206 |
| Net loans and leases to deposits | 14.5117% | 6,212 |
| Net loans and leases to core deposits | 14.6759% | 6,204 |
| Total domestic deposits to total assets | 88.8033% | 1,124 |
| Equity capital to assets | 11.0129% | 3,016 |
| Core capital (leverage) ratio | 10.0814% | 3,524 |
| Tier 1 risk-based capital ratio | 37.1585% | 300 |
| Total risk-based capital ratio | 38.3413% | 298 |
| Memoranda: | ||
| Average total assets | $25,361,750 | 6,108 |
| Average earning assets | $23,086,500 | 6,090 |
| Average equity | $2,743,500 | 6,110 |
| Average total loans | $3,762,250 | 6,214 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8879% | 5,956 |
| Cost of funding earning assets | 0.1658% | 5,736 |
| Net interest margin | 2.7222% | 5,739 |
| Noninterest income to average assets | 0.2767% | 4,967 |
| Noninterest expense to average assets | 1.9846% | 5,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7590% | 3,600 |
| Return on assets (ROA) | 0.8697% | 3,145 |
| Pretax return on assets | 0.8697% | 4,070 |
| Return on Equity (ROE) | 8.0892% | 3,001 |
| Retained earnings to average equity (ytd only) | 8.0892% | 1,229 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3343% | 2,959 |
| Assets per employee ($millions) | 4.4160% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5042% | 478 |
| Loan loss allowance to noncurrent loans | 272.7273% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 4,233 |
| Noncurrent loans to loans | 0.9182% | 2,832 |
| Net loans and leases to total assets | 13.2246% | 6,279 |
| Net loans and leases to deposits | 14.7487% | 6,285 |
| Net loans and leases to core deposits | 14.9081% | 6,276 |
| Total domestic deposits to total assets | 89.6664% | 806 |
| Equity capital to assets | 10.1940% | 3,811 |
| Core capital (leverage) ratio | 10.0591% | 3,521 |
| Tier 1 risk-based capital ratio | 35.3256% | 353 |
| Total risk-based capital ratio | 36.5318% | 354 |
| Memoranda: | ||
| Average total assets | $25,295,330 | 6,184 |
| Average earning assets | $22,923,000 | 6,163 |
| Average equity | $2,719,670 | 6,180 |
| Average total loans | $3,890,330 | 6,289 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9211% | 5,976 |
| Cost of funding earning assets | 0.1593% | 5,845 |
| Net interest margin | 2.7618% | 5,718 |
| Noninterest income to average assets | 0.2916% | 4,841 |
| Noninterest expense to average assets | 2.0895% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7289% | 3,649 |
| Return on assets (ROA) | 0.9233% | 2,761 |
| Pretax return on assets | 0.9233% | 3,803 |
| Return on Equity (ROE) | 8.3547% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.3547% | 1,433 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1379% | 2,797 |
| Assets per employee ($millions) | 4.2673% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2924% | 707 |
| Loan loss allowance to noncurrent loans | 2,250.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 4,674 |
| Noncurrent loans to loans | 0.1019% | 5,389 |
| Net loans and leases to total assets | 14.9820% | 6,327 |
| Net loans and leases to deposits | 16.8675% | 6,338 |
| Net loans and leases to core deposits | 17.0580% | 6,335 |
| Total domestic deposits to total assets | 88.8221% | 1,379 |
| Equity capital to assets | 11.0491% | 2,924 |
| Core capital (leverage) ratio | 10.2908% | 3,224 |
| Tier 1 risk-based capital ratio | 33.4499% | 408 |
| Total risk-based capital ratio | 34.6154% | 404 |
| Memoranda: | ||
| Average total assets | $24,695,000 | 6,259 |
| Average earning assets | $22,594,000 | 6,236 |
| Average equity | $2,729,000 | 6,242 |
| Average total loans | $4,038,500 | 6,356 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0840% | 5,975 |
| Cost of funding earning assets | 0.1746% | 5,945 |
| Net interest margin | 2.9094% | 5,621 |
| Noninterest income to average assets | 0.2855% | 5,079 |
| Noninterest expense to average assets | 2.4039% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5710% | 4,504 |
| Return on assets (ROA) | 0.6455% | 4,264 |
| Pretax return on assets | 0.6455% | 4,798 |
| Return on Equity (ROE) | 6.6135% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.4938% | 2,975 |
| Net charge-offs to loans | 0.0485% | 3,854 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 715 |
| Efficiency ratio | 80.8067% | 1,804 |
| Assets per employee ($millions) | 3.9643% | 4,033 |
| Cash dividends to net income (ytd only)* | 32.0513% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1682% | 864 |
| Loan loss allowance to noncurrent loans | 9,000.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 4,692 |
| Noncurrent loans to loans | 0.0241% | 5,792 |
| Net loans and leases to total assets | 17.0731% | 6,400 |
| Net loans and leases to deposits | 19.2109% | 6,411 |
| Net loans and leases to core deposits | 19.4427% | 6,411 |
| Total domestic deposits to total assets | 88.8716% | 1,307 |
| Equity capital to assets | 11.0527% | 2,848 |
| Core capital (leverage) ratio | 10.5520% | 2,897 |
| Tier 1 risk-based capital ratio | 32.5975% | 409 |
| Total risk-based capital ratio | 33.7594% | 406 |
| Memoranda: | ||
| Average total assets | $24,168,600 | 6,350 |
| Average earning assets | $22,341,200 | 6,325 |
| Average equity | $2,358,800 | 6,367 |
| Average total loans | $4,122,600 | 6,449 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0712% | 6,066 |
| Cost of funding earning assets | 0.1786% | 6,001 |
| Net interest margin | 2.8927% | 5,716 |
| Noninterest income to average assets | 0.2528% | 5,410 |
| Noninterest expense to average assets | 2.2309% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6924% | 3,981 |
| Return on assets (ROA) | 0.7748% | 3,644 |
| Pretax return on assets | 0.7748% | 4,454 |
| Return on Equity (ROE) | 8.2051% | 3,092 |
| Retained earnings to average equity (ytd only) | 5.2954% | 2,884 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3158% | 2,442 |
| Assets per employee ($millions) | 3.4509% | 4,952 |
| Cash dividends to net income (ytd only)* | 35.4628% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1806% | 974 |
| Loan loss allowance to noncurrent loans | 3,066.6667% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 4,896 |
| Noncurrent loans to loans | 0.0711% | 5,738 |
| Net loans and leases to total assets | 17.0848% | 6,485 |
| Net loans and leases to deposits | 19.0747% | 6,499 |
| Net loans and leases to core deposits | 19.2995% | 6,495 |
| Total domestic deposits to total assets | 89.5678% | 952 |
| Equity capital to assets | 10.2956% | 3,795 |
| Core capital (leverage) ratio | 10.1071% | 3,522 |
| Tier 1 risk-based capital ratio | 32.0690% | 438 |
| Total risk-based capital ratio | 33.2439% | 432 |
| Memoranda: | ||
| Average total assets | $24,264,250 | 6,426 |
| Average earning assets | $22,400,750 | 6,402 |
| Average equity | $2,291,250 | 6,449 |
| Average total loans | $4,115,500 | 6,529 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0687% | 6,106 |
| Cost of funding earning assets | 0.1795% | 6,074 |
| Net interest margin | 2.8892% | 5,752 |
| Noninterest income to average assets | 0.2469% | 5,433 |
| Noninterest expense to average assets | 2.2633% | 5,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6337% | 4,187 |
| Return on assets (ROA) | 0.7407% | 3,717 |
| Pretax return on assets | 0.7407% | 4,494 |
| Return on Equity (ROE) | 8.0863% | 3,041 |
| Retained earnings to average equity (ytd only) | 5.8401% | 2,421 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1250% | 2,276 |
| Assets per employee ($millions) | 3.5823% | 4,700 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2925% | 910 |
| Loan loss allowance to noncurrent loans | 68.1481% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 3,396 |
| Noncurrent loans to loans | 3.3641% | 818 |
| Net loans and leases to total assets | 15.6365% | 6,558 |
| Net loans and leases to deposits | 17.3565% | 6,573 |
| Net loans and leases to core deposits | 17.5515% | 6,570 |
| Total domestic deposits to total assets | 90.0901% | 765 |
| Equity capital to assets | 9.7783% | 4,391 |
| Core capital (leverage) ratio | 10.2492% | 3,268 |
| Tier 1 risk-based capital ratio | 31.2531% | 473 |
| Total risk-based capital ratio | 32.4107% | 470 |
| Memoranda: | ||
| Average total assets | $24,300,330 | 6,492 |
| Average earning assets | $22,289,670 | 6,469 |
| Average equity | $2,226,000 | 6,515 |
| Average total loans | $4,081,000 | 6,593 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0292% | 6,211 |
| Cost of funding earning assets | 0.1613% | 6,289 |
| Net interest margin | 2.8679% | 5,815 |
| Noninterest income to average assets | 0.2676% | 5,226 |
| Noninterest expense to average assets | 2.3586% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5855% | 4,260 |
| Return on assets (ROA) | 0.6189% | 4,185 |
| Pretax return on assets | 0.6189% | 4,770 |
| Return on Equity (ROE) | 7.0043% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.0043% | 2,043 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1136% | 2,193 |
| Assets per employee ($millions) | 3.4884% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2817% | 1,056 |
| Loan loss allowance to noncurrent loans | 67.6471% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 3,525 |
| Noncurrent loans to loans | 3.3730% | 891 |
| Net loans and leases to total assets | 16.1350% | 6,625 |
| Net loans and leases to deposits | 17.7878% | 6,635 |
| Net loans and leases to core deposits | 17.9925% | 6,631 |
| Total domestic deposits to total assets | 90.7081% | 683 |
| Equity capital to assets | 9.1527% | 4,936 |
| Core capital (leverage) ratio | 10.1638% | 3,331 |
| Tier 1 risk-based capital ratio | 31.4275% | 468 |
| Total risk-based capital ratio | 32.6042% | 462 |
| Memoranda: | ||
| Average total assets | $23,912,500 | 6,565 |
| Average earning assets | $22,316,000 | 6,537 |
| Average equity | $2,113,000 | 6,584 |
| Average total loans | $4,115,000 | 6,664 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2318% | 6,100 |
| Cost of funding earning assets | 0.1736% | 6,422 |
| Net interest margin | 3.0581% | 5,434 |
| Noninterest income to average assets | 0.3354% | 4,925 |
| Noninterest expense to average assets | 2.4609% | 4,888 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6359% | 4,091 |
| Return on assets (ROA) | 0.7056% | 3,856 |
| Pretax return on assets | 0.7056% | 4,521 |
| Return on Equity (ROE) | 6.7630% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.7174% | 2,802 |
| Net charge-offs to loans | 0.7331% | 877 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.8667% | 3,434 |
| Efficiency ratio | 79.4655% | 2,244 |
| Assets per employee ($millions) | 3.3437% | 5,199 |
| Cash dividends to net income (ytd only)* | 30.2469% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1915% | 1,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 5,245 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 17.5425% | 6,699 |
| Net loans and leases to deposits | 19.1887% | 6,714 |
| Net loans and leases to core deposits | 19.1887% | 6,710 |
| Total domestic deposits to total assets | 91.4210% | 431 |
| Equity capital to assets | 8.5064% | 5,574 |
| Core capital (leverage) ratio | 10.2029% | 3,291 |
| Tier 1 risk-based capital ratio | 30.8861% | 470 |
| Total risk-based capital ratio | 32.0608% | 465 |
| Memoranda: | ||
| Average total assets | $22,959,000 | 6,660 |
| Average earning assets | $20,731,800 | 6,643 |
| Average equity | $2,395,400 | 6,642 |
| Average total loans | $4,092,000 | 6,748 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2745% | 6,101 |
| Cost of funding earning assets | 0.1768% | 6,517 |
| Net interest margin | 3.0976% | 5,322 |
| Noninterest income to average assets | 0.3210% | 5,122 |
| Noninterest expense to average assets | 2.3226% | 5,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7586% | 3,565 |
| Return on assets (ROA) | 0.8462% | 3,232 |
| Pretax return on assets | 0.8462% | 4,113 |
| Return on Equity (ROE) | 7.7440% | 3,262 |
| Retained earnings to average equity (ytd only) | 6.4090% | 2,182 |
| Net charge-offs to loans | 0.9512% | 603 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.4823% | 3,427 |
| Efficiency ratio | 75.3788% | 2,832 |
| Assets per employee ($millions) | 3.3640% | 5,149 |
| Cash dividends to net income (ytd only)* | 17.2400% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3646% | 1,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 5,385 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 16.3071% | 6,789 |
| Net loans and leases to deposits | 18.0426% | 6,799 |
| Net loans and leases to core deposits | 18.0426% | 6,799 |
| Total domestic deposits to total assets | 90.3813% | 800 |
| Equity capital to assets | 9.4063% | 4,666 |
| Core capital (leverage) ratio | 10.1971% | 3,406 |
| Tier 1 risk-based capital ratio | 32.1457% | 437 |
| Total risk-based capital ratio | 33.3775% | 430 |
| Memoranda: | ||
| Average total assets | $22,847,250 | 6,736 |
| Average earning assets | $20,359,000 | 6,725 |
| Average equity | $2,496,500 | 6,707 |
| Average total loans | $4,065,500 | 6,825 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3342% | 6,031 |
| Cost of funding earning assets | 0.1712% | 6,621 |
| Net interest margin | 3.1629% | 5,074 |
| Noninterest income to average assets | 0.3184% | 5,160 |
| Noninterest expense to average assets | 2.3879% | 5,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7075% | 3,770 |
| Return on assets (ROA) | 0.8225% | 3,343 |
| Pretax return on assets | 0.8225% | 4,234 |
| Return on Equity (ROE) | 7.1806% | 3,498 |
| Retained earnings to average equity (ytd only) | 6.4857% | 2,156 |
| Net charge-offs to loans | 1.4113% | 392 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.7586% | 3,594 |
| Efficiency ratio | 77.1429% | 2,601 |
| Assets per employee ($millions) | 3.3956% | 5,072 |
| Cash dividends to net income (ytd only)* | 9.6774% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4519% | 1,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3366% | 5,471 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 15.5665% | 6,842 |
| Net loans and leases to deposits | 17.2333% | 6,861 |
| Net loans and leases to core deposits | 17.2333% | 6,858 |
| Total domestic deposits to total assets | 90.3277% | 842 |
| Equity capital to assets | 9.4998% | 4,578 |
| Core capital (leverage) ratio | 10.3895% | 2,999 |
| Tier 1 risk-based capital ratio | 31.9092% | 442 |
| Total risk-based capital ratio | 33.1375% | 435 |
| Memoranda: | ||
| Average total assets | $22,613,670 | 6,787 |
| Average earning assets | $19,855,000 | 6,781 |
| Average equity | $2,590,330 | 6,733 |
| Average total loans | $4,109,670 | 6,872 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3650% | 6,013 |
| Cost of funding earning assets | 0.1612% | 6,761 |
| Net interest margin | 3.2038% | 4,925 |
| Noninterest income to average assets | 0.3086% | 5,220 |
| Noninterest expense to average assets | 2.4142% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7805% | 3,277 |
| Return on assets (ROA) | 0.9802% | 2,446 |
| Pretax return on assets | 0.9802% | 3,437 |
| Return on Equity (ROE) | 7.8360% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.8360% | 1,810 |
| Net charge-offs to loans | 2.5305% | 161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.5926% | 3,301 |
| Efficiency ratio | 75.5682% | 3,001 |
| Assets per employee ($millions) | 3.2647% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3171% | 1,384 |
| Loan loss allowance to noncurrent loans | 2,375.0000% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 5,488 |
| Noncurrent loans to loans | 0.0976% | 6,186 |
| Net loans and leases to total assets | 17.5251% | 6,891 |
| Net loans and leases to deposits | 19.9711% | 6,906 |
| Net loans and leases to core deposits | 19.9711% | 6,908 |
| Total domestic deposits to total assets | 87.7522% | 2,484 |
| Equity capital to assets | 12.1253% | 1,953 |
| Core capital (leverage) ratio | 10.4552% | 2,839 |
| Tier 1 risk-based capital ratio | 31.7766% | 459 |
| Total risk-based capital ratio | 33.0283% | 456 |
| Memoranda: | ||
| Average total assets | $22,036,000 | 6,875 |
| Average earning assets | $19,851,500 | 6,854 |
| Average equity | $2,756,500 | 6,773 |
| Average total loans | $4,268,000 | 6,944 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 6,088 |
| Cost of funding earning assets | 0.1886% | 6,858 |
| Net interest margin | 3.4891% | 4,537 |
| Noninterest income to average assets | 0.0230% | 6,770 |
| Noninterest expense to average assets | 2.6471% | 4,580 |
| Loan and lease loss provision to assets | 0.0276% | 5,552 |
| Net operating income to assets | 0.4090% | 5,062 |
| Return on assets (ROA) | 0.4320% | 5,204 |
| Pretax return on assets | 0.4320% | 5,475 |
| Return on Equity (ROE) | 3.4307% | 5,373 |
| Retained earnings to average equity (ytd only) | -2.1898% | 6,187 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8420% | 1,444 |
| Assets per employee ($millions) | 3.0313% | 5,964 |
| Cash dividends to net income (ytd only)* | 163.8298% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7502% | 877 |
| Loan loss allowance to noncurrent loans | 12,200.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 5,206 |
| Noncurrent loans to loans | 0.0225% | 6,474 |
| Net loans and leases to total assets | 20.3308% | 6,922 |
| Net loans and leases to deposits | 23.3669% | 6,939 |
| Net loans and leases to core deposits | 23.3669% | 6,942 |
| Total domestic deposits to total assets | 87.0069% | 2,845 |
| Equity capital to assets | 12.9224% | 1,484 |
| Core capital (leverage) ratio | 10.5340% | 2,720 |
| Tier 1 risk-based capital ratio | 34.2187% | 360 |
| Total risk-based capital ratio | 35.4800% | 358 |
| Memoranda: | ||
| Average total assets | $21,759,600 | 6,936 |
| Average earning assets | $19,087,800 | 6,923 |
| Average equity | $2,740,000 | 6,833 |
| Average total loans | $4,598,200 | 7,012 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7237% | 6,186 |
| Cost of funding earning assets | 0.1908% | 6,965 |
| Net interest margin | 3.5329% | 4,516 |
| Noninterest income to average assets | 0.3227% | 5,201 |
| Noninterest expense to average assets | 2.4541% | 5,231 |
| Loan and lease loss provision to assets | 0.0365% | 5,318 |
| Net operating income to assets | 0.8769% | 3,098 |
| Return on assets (ROA) | 0.9073% | 3,181 |
| Pretax return on assets | 0.9073% | 4,076 |
| Return on Equity (ROE) | 7.2517% | 3,664 |
| Retained earnings to average equity (ytd only) | -0.2435% | 6,129 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8752% | 3,172 |
| Assets per employee ($millions) | 3.0341% | 5,995 |
| Cash dividends to net income (ytd only)* | 103.3575% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6002% | 1,080 |
| Loan loss allowance to noncurrent loans | 12,200.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 1.6620% | 3,090 |
| Noncurrent loans to loans | 0.0213% | 6,589 |
| Net loans and leases to total assets | 21.5170% | 7,005 |
| Net loans and leases to deposits | 24.8653% | 7,022 |
| Net loans and leases to core deposits | 24.8653% | 7,035 |
| Total domestic deposits to total assets | 86.5342% | 2,963 |
| Equity capital to assets | 13.2257% | 1,482 |
| Core capital (leverage) ratio | 10.7479% | 2,657 |
| Tier 1 risk-based capital ratio | 32.5431% | 422 |
| Total risk-based capital ratio | 33.7974% | 416 |
| Memoranda: | ||
| Average total assets | $21,894,750 | 7,023 |
| Average earning assets | $18,869,750 | 7,018 |
| Average equity | $2,739,500 | 6,918 |
| Average total loans | $4,638,750 | 7,102 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 6,231 |
| Cost of funding earning assets | 0.2029% | 7,027 |
| Net interest margin | 3.5552% | 4,441 |
| Noninterest income to average assets | 0.3166% | 5,287 |
| Noninterest expense to average assets | 2.4510% | 5,294 |
| Loan and lease loss provision to assets | 0.0543% | 4,981 |
| Net operating income to assets | 0.8230% | 3,287 |
| Return on assets (ROA) | 0.8411% | 3,456 |
| Pretax return on assets | 0.8411% | 4,312 |
| Return on Equity (ROE) | 6.8475% | 3,857 |
| Retained earnings to average equity (ytd only) | -3.0924% | 6,477 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6413% | 3,134 |
| Assets per employee ($millions) | 3.1807% | 5,690 |
| Cash dividends to net income (ytd only)* | 145.1613% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6562% | 1,093 |
| Loan loss allowance to noncurrent loans | 12,200.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 1.5854% | 3,338 |
| Noncurrent loans to loans | 0.0218% | 6,637 |
| Net loans and leases to total assets | 20.0808% | 7,082 |
| Net loans and leases to deposits | 22.9931% | 7,102 |
| Net loans and leases to core deposits | 22.9931% | 7,111 |
| Total domestic deposits to total assets | 87.3344% | 2,576 |
| Equity capital to assets | 12.4590% | 1,843 |
| Core capital (leverage) ratio | 10.7613% | 2,527 |
| Tier 1 risk-based capital ratio | 31.5076% | 460 |
| Total risk-based capital ratio | 32.7684% | 454 |
| Memoranda: | ||
| Average total assets | $22,113,330 | 7,074 |
| Average earning assets | $18,733,000 | 7,078 |
| Average equity | $2,716,330 | 6,964 |
| Average total loans | $4,621,000 | 7,163 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 6,203 |
| Cost of funding earning assets | 0.2147% | 7,079 |
| Net interest margin | 3.6062% | 4,241 |
| Noninterest income to average assets | 0.3086% | 5,416 |
| Noninterest expense to average assets | 2.4322% | 5,364 |
| Loan and lease loss provision to assets | 0.0545% | 4,724 |
| Net operating income to assets | 0.8712% | 3,046 |
| Return on assets (ROA) | 0.8712% | 3,270 |
| Pretax return on assets | 0.8712% | 4,144 |
| Return on Equity (ROE) | 7.1442% | 3,692 |
| Retained earnings to average equity (ytd only) | -9.2279% | 6,817 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4324% | 3,356 |
| Assets per employee ($millions) | 3.0596% | 6,043 |
| Cash dividends to net income (ytd only)* | 229.1667% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6850% | 1,132 |
| Loan loss allowance to noncurrent loans | 11,900.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 1.6482% | 3,382 |
| Noncurrent loans to loans | 0.0226% | 6,722 |
| Net loans and leases to total assets | 20.1382% | 7,138 |
| Net loans and leases to deposits | 23.1583% | 7,151 |
| Net loans and leases to core deposits | 23.1583% | 7,165 |
| Total domestic deposits to total assets | 86.9590% | 2,976 |
| Equity capital to assets | 12.3827% | 1,799 |
| Core capital (leverage) ratio | 10.6219% | 2,623 |
| Tier 1 risk-based capital ratio | 32.5148% | 411 |
| Total risk-based capital ratio | 33.7708% | 403 |
| Memoranda: | ||
| Average total assets | $22,037,500 | 7,135 |
| Average earning assets | $18,634,500 | 7,137 |
| Average equity | $2,687,500 | 7,023 |
| Average total loans | $4,635,000 | 7,226 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1199% | 6,244 |
| Cost of funding earning assets | 0.3160% | 7,080 |
| Net interest margin | 3.8039% | 3,798 |
| Noninterest income to average assets | 0.3615% | 4,927 |
| Noninterest expense to average assets | 2.9119% | 3,907 |
| Loan and lease loss provision to assets | 0.0586% | 5,867 |
| Net operating income to assets | 0.5081% | 4,382 |
| Return on assets (ROA) | 0.5961% | 4,203 |
| Pretax return on assets | 0.5961% | 4,707 |
| Return on Equity (ROE) | 4.7723% | 4,494 |
| Retained earnings to average equity (ytd only) | 3.8335% | 3,485 |
| Net charge-offs to loans | 0.1920% | 4,604 |
| Credit loss provision to net charge-offs | 133.3333% | 2,274 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 1,586 |
| Efficiency ratio | 83.7079% | 1,800 |
| Assets per employee ($millions) | 3.2369% | 5,639 |
| Cash dividends to net income (ytd only)* | 19.6721% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3977% | 1,465 |
| Loan loss allowance to noncurrent loans | 11,600.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 1.5579% | 3,609 |
| Noncurrent loans to loans | 0.0207% | 6,775 |
| Net loans and leases to total assets | 20.8403% | 7,197 |
| Net loans and leases to deposits | 23.7167% | 7,214 |
| Net loans and leases to core deposits | 23.7167% | 7,219 |
| Total domestic deposits to total assets | 87.8718% | 2,237 |
| Equity capital to assets | 12.0178% | 2,112 |
| Core capital (leverage) ratio | 10.9309% | 2,322 |
| Tier 1 risk-based capital ratio | 31.2220% | 462 |
| Total risk-based capital ratio | 32.4756% | 456 |
| Memoranda: | ||
| Average total assets | $20,467,600 | 7,199 |
| Average earning assets | $16,772,400 | 7,214 |
| Average equity | $2,556,400 | 7,110 |
| Average total loans | $4,688,400 | 7,275 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1839% | 6,247 |
| Cost of funding earning assets | 0.3432% | 7,138 |
| Net interest margin | 3.8407% | 3,665 |
| Noninterest income to average assets | 0.3414% | 5,131 |
| Noninterest expense to average assets | 2.8580% | 4,111 |
| Loan and lease loss provision to assets | 0.0602% | 5,688 |
| Net operating income to assets | 0.5689% | 4,227 |
| Return on assets (ROA) | 0.6894% | 3,843 |
| Pretax return on assets | 0.6894% | 4,516 |
| Return on Equity (ROE) | 5.4610% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.1885% | 3,751 |
| Net charge-offs to loans | 0.2580% | 3,819 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 10.4442% | 1,915 |
| Efficiency ratio | 81.9578% | 1,981 |
| Assets per employee ($millions) | 2.9699% | 6,187 |
| Cash dividends to net income (ytd only)* | 23.3015% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4270% | 1,494 |
| Loan loss allowance to noncurrent loans | 2,260.0000% | 191 |
| Noncurrent assets plus other real estate owned to assets | 1.7173% | 3,519 |
| Noncurrent loans to loans | 0.1074% | 6,661 |
| Net loans and leases to total assets | 21.8529% | 7,259 |
| Net loans and leases to deposits | 25.2642% | 7,277 |
| Net loans and leases to core deposits | 25.2642% | 7,288 |
| Total domestic deposits to total assets | 86.4977% | 2,936 |
| Equity capital to assets | 13.1368% | 1,544 |
| Core capital (leverage) ratio | 11.4470% | 2,063 |
| Tier 1 risk-based capital ratio | 32.9451% | 421 |
| Total risk-based capital ratio | 34.1939% | 416 |
| Memoranda: | ||
| Average total assets | $19,920,000 | 7,282 |
| Average earning assets | $16,316,000 | 7,302 |
| Average equity | $2,514,750 | 7,184 |
| Average total loans | $4,651,000 | 7,348 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 6,218 |
| Cost of funding earning assets | 0.3778% | 7,178 |
| Net interest margin | 3.8533% | 3,519 |
| Noninterest income to average assets | 0.3158% | 5,367 |
| Noninterest expense to average assets | 2.9444% | 3,846 |
| Loan and lease loss provision to assets | 0.0611% | 5,541 |
| Net operating income to assets | 0.4279% | 4,823 |
| Return on assets (ROA) | 0.4381% | 4,913 |
| Pretax return on assets | 0.4381% | 5,271 |
| Return on Equity (ROE) | 3.5207% | 5,161 |
| Retained earnings to average equity (ytd only) | 2.6201% | 4,625 |
| Net charge-offs to loans | 0.3872% | 3,011 |
| Credit loss provision to net charge-offs | 66.6667% | 4,148 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,638 |
| Efficiency ratio | 85.7567% | 1,628 |
| Assets per employee ($millions) | 2.9049% | 6,293 |
| Cash dividends to net income (ytd only)* | 25.5814% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3499% | 1,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7311% | 3,605 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 22.4796% | 7,338 |
| Net loans and leases to deposits | 25.9436% | 7,351 |
| Net loans and leases to core deposits | 25.9436% | 7,363 |
| Total domestic deposits to total assets | 86.6480% | 2,958 |
| Equity capital to assets | 12.6586% | 1,703 |
| Core capital (leverage) ratio | 11.7260% | 1,765 |
| Tier 1 risk-based capital ratio | 32.2811% | 440 |
| Total risk-based capital ratio | 33.5297% | 433 |
| Memoranda: | ||
| Average total assets | $19,630,330 | 7,358 |
| Average earning assets | $15,882,330 | 7,385 |
| Average equity | $2,442,670 | 7,259 |
| Average total loans | $4,649,330 | 7,422 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2853% | 6,054 |
| Cost of funding earning assets | 0.4155% | 7,193 |
| Net interest margin | 3.8698% | 3,300 |
| Noninterest income to average assets | 0.3112% | 5,441 |
| Noninterest expense to average assets | 2.9048% | 4,041 |
| Loan and lease loss provision to assets | 0.0622% | 5,213 |
| Net operating income to assets | 0.4357% | 4,777 |
| Return on assets (ROA) | 0.4357% | 4,859 |
| Pretax return on assets | 0.4357% | 5,228 |
| Return on Equity (ROE) | 3.5339% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.5339% | 4,069 |
| Net charge-offs to loans | 0.0863% | 4,094 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 999 |
| Efficiency ratio | 85.3659% | 1,791 |
| Assets per employee ($millions) | 2.8043% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5767% | 1,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8186% | 3,546 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 22.1498% | 7,403 |
| Net loans and leases to deposits | 25.2000% | 7,414 |
| Net loans and leases to core deposits | 25.2000% | 7,425 |
| Total domestic deposits to total assets | 87.8961% | 2,428 |
| Equity capital to assets | 11.6913% | 2,130 |
| Core capital (leverage) ratio | 11.7771% | 1,691 |
| Tier 1 risk-based capital ratio | 32.9353% | 405 |
| Total risk-based capital ratio | 34.1871% | 398 |
| Memoranda: | ||
| Average total assets | $19,278,500 | 7,420 |
| Average earning assets | $15,401,500 | 7,451 |
| Average equity | $2,377,000 | 7,324 |
| Average total loans | $4,633,500 | 7,480 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6304% | 6,020 |
| Cost of funding earning assets | 0.6472% | 7,011 |
| Net interest margin | 3.9832% | 3,090 |
| Noninterest income to average assets | 0.5076% | 4,110 |
| Noninterest expense to average assets | 3.4076% | 2,420 |
| Loan and lease loss provision to assets | 0.0648% | 6,497 |
| Net operating income to assets | 0.2592% | 5,083 |
| Return on assets (ROA) | 0.2646% | 5,224 |
| Pretax return on assets | 0.2646% | 5,328 |
| Return on Equity (ROE) | 2.0599% | 5,362 |
| Retained earnings to average equity (ytd only) | 1.4293% | 4,817 |
| Net charge-offs to loans | 0.6159% | 3,190 |
| Credit loss provision to net charge-offs | 35.2941% | 6,443 |
| Earnings coverage of net charge-offs (x) | 1.7647% | 4,394 |
| Efficiency ratio | 91.3169% | 1,227 |
| Assets per employee ($millions) | 2.7039% | 6,679 |
| Cash dividends to net income (ytd only)* | 30.6122% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3522% | 1,613 |
| Loan loss allowance to noncurrent loans | 2,825.0000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 1.9073% | 3,463 |
| Noncurrent loans to loans | 0.0833% | 6,923 |
| Net loans and leases to total assets | 24.7847% | 7,457 |
| Net loans and leases to deposits | 28.7069% | 7,476 |
| Net loans and leases to core deposits | 28.7069% | 7,488 |
| Total domestic deposits to total assets | 86.3370% | 3,176 |
| Equity capital to assets | 12.9920% | 1,390 |
| Core capital (leverage) ratio | 11.8843% | 1,627 |
| Tier 1 risk-based capital ratio | 32.6519% | 416 |
| Total risk-based capital ratio | 33.9044% | 406 |
| Memoranda: | ||
| Average total assets | $18,517,600 | 7,499 |
| Average earning assets | $14,988,000 | 7,526 |
| Average equity | $2,378,800 | 7,430 |
| Average total loans | $5,520,800 | 7,544 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6778% | 6,096 |
| Cost of funding earning assets | 0.6911% | 7,088 |
| Net interest margin | 3.9868% | 3,163 |
| Noninterest income to average assets | 0.5213% | 4,020 |
| Noninterest expense to average assets | 3.2653% | 2,687 |
| Loan and lease loss provision to assets | 0.0652% | 6,412 |
| Net operating income to assets | 0.4489% | 4,545 |
| Return on assets (ROA) | 0.4561% | 4,699 |
| Pretax return on assets | 0.4561% | 5,056 |
| Return on Equity (ROE) | 3.5612% | 4,980 |
| Retained earnings to average equity (ytd only) | 2.7133% | 4,528 |
| Net charge-offs to loans | 0.4679% | 3,412 |
| Credit loss provision to net charge-offs | 45.0000% | 5,958 |
| Earnings coverage of net charge-offs (x) | 3.5493% | 3,402 |
| Efficiency ratio | 86.3985% | 1,590 |
| Assets per employee ($millions) | 2.5879% | 6,960 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2727% | 1,663 |
| Loan loss allowance to noncurrent loans | 38.3901% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 2.3958% | 2,983 |
| Noncurrent loans to loans | 5.9201% | 1,068 |
| Net loans and leases to total assets | 29.4342% | 7,480 |
| Net loans and leases to deposits | 34.2982% | 7,513 |
| Net loans and leases to core deposits | 34.2982% | 7,528 |
| Total domestic deposits to total assets | 85.8184% | 3,172 |
| Equity capital to assets | 13.4695% | 1,363 |
| Core capital (leverage) ratio | 12.2979% | 1,510 |
| Tier 1 risk-based capital ratio | 31.6812% | 446 |
| Total risk-based capital ratio | 32.9307% | 436 |
| Memoranda: | ||
| Average total assets | $18,415,250 | 7,601 |
| Average earning assets | $15,049,250 | 7,619 |
| Average equity | $2,358,750 | 7,531 |
| Average total loans | $5,700,000 | 7,639 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6943% | 6,162 |
| Cost of funding earning assets | 0.7405% | 7,092 |
| Net interest margin | 3.9538% | 3,229 |
| Noninterest income to average assets | 0.5725% | 3,526 |
| Noninterest expense to average assets | 3.1541% | 3,071 |
| Loan and lease loss provision to assets | 0.0648% | 6,303 |
| Net operating income to assets | 0.5833% | 3,939 |
| Return on assets (ROA) | 0.5941% | 4,041 |
| Pretax return on assets | 0.5941% | 4,581 |
| Return on Equity (ROE) | 4.7176% | 4,430 |
| Retained earnings to average equity (ytd only) | 4.1172% | 3,454 |
| Net charge-offs to loans | 0.6573% | 2,575 |
| Credit loss provision to net charge-offs | 31.5789% | 5,708 |
| Earnings coverage of net charge-offs (x) | 3.1579% | 3,427 |
| Efficiency ratio | 82.9545% | 2,048 |
| Assets per employee ($millions) | 2.6323% | 6,890 |
| Cash dividends to net income (ytd only)* | 12.7273% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2065% | 1,737 |
| Loan loss allowance to noncurrent loans | 20.4013% | 6,922 |
| Noncurrent assets plus other real estate owned to assets | 3.2454% | 2,168 |
| Noncurrent loans to loans | 10.8157% | 377 |
| Net loans and leases to total assets | 29.3444% | 7,553 |
| Net loans and leases to deposits | 33.9742% | 7,577 |
| Net loans and leases to core deposits | 33.9742% | 7,601 |
| Total domestic deposits to total assets | 86.3725% | 2,885 |
| Equity capital to assets | 13.2693% | 1,448 |
| Core capital (leverage) ratio | 12.3679% | 1,461 |
| Tier 1 risk-based capital ratio | 31.4542% | 439 |
| Total risk-based capital ratio | 32.7223% | 432 |
| Memoranda: | ||
| Average total assets | $18,515,330 | 7,668 |
| Average earning assets | $15,124,670 | 7,682 |
| Average equity | $2,331,670 | 7,593 |
| Average total loans | $5,781,330 | 7,702 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 5,510 |
| Cost of funding earning assets | 0.8596% | 6,899 |
| Net interest margin | 4.0296% | 2,747 |
| Noninterest income to average assets | 0.5819% | 3,402 |
| Noninterest expense to average assets | 3.0388% | 3,529 |
| Loan and lease loss provision to assets | 0.0647% | 5,992 |
| Net operating income to assets | 0.7112% | 3,387 |
| Return on assets (ROA) | 0.7112% | 3,496 |
| Pretax return on assets | 0.7112% | 4,193 |
| Return on Equity (ROE) | 5.8022% | 3,962 |
| Retained earnings to average equity (ytd only) | 5.8022% | 2,711 |
| Net charge-offs to loans | 1.3542% | 1,272 |
| Credit loss provision to net charge-offs | 15.0000% | 4,997 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 3,660 |
| Efficiency ratio | 79.6610% | 2,622 |
| Assets per employee ($millions) | 2.5884% | 7,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0993% | 1,957 |
| Loan loss allowance to noncurrent loans | 28.7105% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 2.2683% | 3,190 |
| Noncurrent loans to loans | 7.3119% | 797 |
| Net loans and leases to total assets | 30.3714% | 7,613 |
| Net loans and leases to deposits | 35.0197% | 7,643 |
| Net loans and leases to core deposits | 35.0197% | 7,670 |
| Total domestic deposits to total assets | 86.7266% | 2,780 |
| Equity capital to assets | 13.0029% | 1,526 |
| Core capital (leverage) ratio | 12.2428% | 1,524 |
| Tier 1 risk-based capital ratio | 30.8310% | 483 |
| Total risk-based capital ratio | 32.0821% | 474 |
| Memoranda: | ||
| Average total assets | $18,560,000 | 7,762 |
| Average earning assets | $14,890,000 | 7,786 |
| Average equity | $2,275,000 | 7,699 |
| Average total loans | $5,907,500 | 7,800 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 5,783 |
| Cost of funding earning assets | 0.9206% | 7,362 |
| Net interest margin | 4.2501% | 1,896 |
| Noninterest income to average assets | 0.6590% | 3,229 |
| Noninterest expense to average assets | 3.4437% | 2,544 |
| Loan and lease loss provision to assets | 0.0638% | 6,934 |
| Net operating income to assets | 0.7334% | 2,798 |
| Return on assets (ROA) | 0.9141% | 2,198 |
| Pretax return on assets | 0.9141% | 2,879 |
| Return on Equity (ROE) | 7.7533% | 2,476 |
| Retained earnings to average equity (ytd only) | -0.4508% | 5,081 |
| Net charge-offs to loans | 0.3415% | 4,520 |
| Credit loss provision to net charge-offs | 60.0000% | 6,637 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,130 |
| Efficiency ratio | 81.2030% | 2,711 |
| Assets per employee ($millions) | 2.7144% | 6,828 |
| Cash dividends to net income (ytd only)* | 105.8140% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1795% | 1,685 |
| Loan loss allowance to noncurrent loans | 48.2143% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 1.4736% | 4,180 |
| Noncurrent loans to loans | 4.5205% | 1,576 |
| Net loans and leases to total assets | 31.8878% | 7,663 |
| Net loans and leases to deposits | 36.1386% | 7,722 |
| Net loans and leases to core deposits | 37.2609% | 7,797 |
| Total domestic deposits to total assets | 88.2375% | 1,864 |
| Equity capital to assets | 11.5468% | 2,286 |
| Core capital (leverage) ratio | 12.0101% | 1,664 |
| Tier 1 risk-based capital ratio | 27.9880% | 647 |
| Total risk-based capital ratio | 29.2408% | 626 |
| Memoranda: | ||
| Average total assets | $18,817,000 | 7,811 |
| Average earning assets | $15,858,600 | 7,822 |
| Average equity | $2,218,400 | 7,799 |
| Average total loans | $5,855,800 | 7,865 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1084% | 6,234 |
| Cost of funding earning assets | 0.9386% | 7,501 |
| Net interest margin | 4.1698% | 2,156 |
| Noninterest income to average assets | 0.6677% | 3,236 |
| Noninterest expense to average assets | 3.1182% | 3,589 |
| Loan and lease loss provision to assets | 0.0639% | 6,719 |
| Net operating income to assets | 1.0512% | 1,894 |
| Return on assets (ROA) | 1.2927% | 1,311 |
| Pretax return on assets | 1.2927% | 1,969 |
| Return on Equity (ROE) | 10.9085% | 1,651 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,202 |
| Net charge-offs to loans | 0.0230% | 6,568 |
| Credit loss provision to net charge-offs | 900.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 157.3910% | 240 |
| Efficiency ratio | 73.6577% | 3,928 |
| Assets per employee ($millions) | 2.6367% | 6,971 |
| Cash dividends to net income (ytd only)* | 100.0000% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5658% | 1,003 |
| Loan loss allowance to noncurrent loans | 314.5833% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 6,861 |
| Noncurrent loans to loans | 0.8156% | 5,670 |
| Net loans and leases to total assets | 31.0668% | 7,782 |
| Net loans and leases to deposits | 35.5531% | 7,835 |
| Net loans and leases to core deposits | 36.7023% | 7,892 |
| Total domestic deposits to total assets | 87.3815% | 1,959 |
| Equity capital to assets | 12.1959% | 2,124 |
| Core capital (leverage) ratio | 11.8199% | 1,893 |
| Tier 1 risk-based capital ratio | 29.6003% | 594 |
| Total risk-based capital ratio | 30.8534% | 582 |
| Memoranda: | ||
| Average total assets | $18,771,000 | 7,886 |
| Average earning assets | $16,051,500 | 7,894 |
| Average equity | $2,224,500 | 7,875 |
| Average total loans | $5,771,250 | 7,947 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0495% | 6,619 |
| Cost of funding earning assets | 0.9437% | 7,635 |
| Net interest margin | 4.1058% | 2,301 |
| Noninterest income to average assets | 0.6993% | 3,001 |
| Noninterest expense to average assets | 3.1045% | 3,684 |
| Loan and lease loss provision to assets | 0.0636% | 6,576 |
| Net operating income to assets | 1.0808% | 1,835 |
| Return on assets (ROA) | 1.4516% | 991 |
| Pretax return on assets | 1.4516% | 1,584 |
| Return on Equity (ROE) | 12.3665% | 1,316 |
| Retained earnings to average equity (ytd only) | -2.9788% | 5,969 |
| Net charge-offs to loans | 0.0349% | 5,976 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 356 |
| Efficiency ratio | 73.0673% | 4,181 |
| Assets per employee ($millions) | 2.6537% | 6,947 |
| Cash dividends to net income (ytd only)* | 124.0876% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5570% | 853 |
| Loan loss allowance to noncurrent loans | 242.6230% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 6,645 |
| Noncurrent loans to loans | 1.0539% | 5,108 |
| Net loans and leases to total assets | 30.3618% | 7,877 |
| Net loans and leases to deposits | 34.5737% | 7,926 |
| Net loans and leases to core deposits | 35.6781% | 7,983 |
| Total domestic deposits to total assets | 87.8176% | 1,857 |
| Equity capital to assets | 11.5956% | 2,476 |
| Core capital (leverage) ratio | 11.7410% | 1,957 |
| Tier 1 risk-based capital ratio | 29.1206% | 657 |
| Total risk-based capital ratio | 30.3844% | 638 |
| Memoranda: | ||
| Average total assets | $18,875,670 | 7,962 |
| Average earning assets | $16,318,330 | 7,969 |
| Average equity | $2,215,670 | 7,957 |
| Average total loans | $5,733,330 | 8,035 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9682% | 7,016 |
| Cost of funding earning assets | 0.9360% | 7,766 |
| Net interest margin | 4.0322% | 2,527 |
| Noninterest income to average assets | 0.6518% | 3,185 |
| Noninterest expense to average assets | 2.8383% | 4,389 |
| Loan and lease loss provision to assets | 0.0631% | 6,163 |
| Net operating income to assets | 1.2825% | 1,424 |
| Return on assets (ROA) | 1.6609% | 771 |
| Pretax return on assets | 1.6609% | 1,266 |
| Return on Equity (ROE) | 14.0663% | 1,157 |
| Retained earnings to average equity (ytd only) | -7.3002% | 6,828 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8392% | 4,994 |
| Assets per employee ($millions) | 2.6963% | 6,895 |
| Cash dividends to net income (ytd only)* | 151.8987% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6025% | 689 |
| Loan loss allowance to noncurrent loans | 171.7647% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 6,141 |
| Noncurrent loans to loans | 1.5152% | 4,016 |
| Net loans and leases to total assets | 28.9499% | 7,938 |
| Net loans and leases to deposits | 33.1071% | 7,995 |
| Net loans and leases to core deposits | 33.9400% | 8,048 |
| Total domestic deposits to total assets | 87.4430% | 1,994 |
| Equity capital to assets | 11.5821% | 2,538 |
| Core capital (leverage) ratio | 11.3868% | 2,215 |
| Tier 1 risk-based capital ratio | 29.4755% | 657 |
| Total risk-based capital ratio | 30.7332% | 636 |
| Memoranda: | ||
| Average total assets | $19,025,500 | 8,008 |
| Average earning assets | $16,666,000 | 8,011 |
| Average equity | $2,246,500 | 7,993 |
| Average total loans | $5,706,000 | 8,092 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4686% | 7,369 |
| Cost of funding earning assets | 1.4982% | 7,616 |
| Net interest margin | 3.9704% | 3,268 |
| Noninterest income to average assets | 0.8057% | 2,484 |
| Noninterest expense to average assets | 3.2334% | 3,217 |
| Loan and lease loss provision to assets | 0.0640% | 6,599 |
| Net operating income to assets | 0.9444% | 2,812 |
| Return on assets (ROA) | 0.9444% | 2,670 |
| Pretax return on assets | 0.9444% | 3,572 |
| Return on Equity (ROE) | 8.0469% | 3,058 |
| Retained earnings to average equity (ytd only) | 1.2730% | 4,455 |
| Net charge-offs to loans | 0.0334% | 6,351 |
| Credit loss provision to net charge-offs | 600.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 94.5000% | 450 |
| Efficiency ratio | 76.2264% | 3,201 |
| Assets per employee ($millions) | 2.7396% | 6,698 |
| Cash dividends to net income (ytd only)* | 84.1808% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4647% | 711 |
| Loan loss allowance to noncurrent loans | 141.5842% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 5,598 |
| Noncurrent loans to loans | 1.7408% | 3,158 |
| Net loans and leases to total assets | 29.5093% | 7,999 |
| Net loans and leases to deposits | 33.7347% | 8,063 |
| Net loans and leases to core deposits | 34.5693% | 8,121 |
| Total domestic deposits to total assets | 87.4746% | 1,719 |
| Equity capital to assets | 12.0300% | 2,272 |
| Core capital (leverage) ratio | 11.6384% | 2,166 |
| Tier 1 risk-based capital ratio | 29.1353% | 690 |
| Total risk-based capital ratio | 30.3947% | 676 |
| Memoranda: | ||
| Average total assets | $18,742,000 | 8,057 |
| Average earning assets | $16,220,000 | 8,061 |
| Average equity | $2,199,600 | 8,076 |
| Average total loans | $5,980,600 | 8,126 |