Home > 1st National Community Bank > Performance and Condition Ratios
1st National Community Bank, Performance and Condition Ratios
| 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 | 3.6352% | 4,628 |
| Cost of funding earning assets | 0.2100% | 5,293 |
| Net interest margin | 3.4252% | 3,855 |
| Noninterest income to average assets | 1.0388% | 1,104 |
| Noninterest expense to average assets | 3.4029% | 1,477 |
| Loan and lease loss provision to assets | 0.0441% | 3,332 |
| Net operating income to assets | 0.6871% | 3,958 |
| Return on assets (ROA) | 0.6906% | 4,056 |
| Pretax return on assets | 0.7799% | 4,397 |
| Return on Equity (ROE) | 7.0872% | 3,574 |
| Retained earnings to average equity (ytd only) | 5.1745% | 2,793 |
| Net charge-offs to loans | 0.1137% | 1,987 |
| Credit loss provision to net charge-offs | 78.9474% | 2,627 |
| Earnings coverage of net charge-offs (x) | 14.6663% | 2,242 |
| Efficiency ratio | 80.5807% | 1,569 |
| Assets per employee ($millions) | 2.7682% | 5,783 |
| Cash dividends to net income (ytd only)* | 26.9890% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 3,613 |
| Loan loss allowance to noncurrent loans | 102.3960% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 3,518 |
| Noncurrent loans to loans | 1.1787% | 2,174 |
| Net loans and leases to total assets | 49.0025% | 5,017 |
| Net loans and leases to deposits | 55.5150% | 5,153 |
| Net loans and leases to core deposits | 61.4542% | 4,972 |
| Total domestic deposits to total assets | 88.2689% | 1,415 |
| Equity capital to assets | 9.9971% | 4,153 |
| Core capital (leverage) ratio | 9.5604% | 4,220 |
| Tier 1 risk-based capital ratio | 17.1840% | 2,301 |
| Total risk-based capital ratio | 18.3473% | 2,289 |
| Memoranda: | ||
| Average total assets | $135,918,000 | 3,828 |
| Average earning assets | $126,354,750 | 3,806 |
| Average equity | $13,244,250 | 4,130 |
| Average total loans | $66,834,500 | 4,216 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6020% | 4,713 |
| Cost of funding earning assets | 0.2088% | 5,368 |
| Net interest margin | 3.3932% | 3,930 |
| Noninterest income to average assets | 1.0514% | 1,072 |
| Noninterest expense to average assets | 3.4291% | 1,418 |
| Loan and lease loss provision to assets | 0.0368% | 3,386 |
| Net operating income to assets | 0.6594% | 4,076 |
| Return on assets (ROA) | 0.6647% | 4,160 |
| Pretax return on assets | 0.7455% | 4,508 |
| Return on Equity (ROE) | 6.8803% | 3,682 |
| Retained earnings to average equity (ytd only) | 5.4342% | 2,578 |
| Net charge-offs to loans | 0.1320% | 1,710 |
| Credit loss provision to net charge-offs | 56.8182% | 2,625 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,248 |
| Efficiency ratio | 81.5385% | 1,551 |
| Assets per employee ($millions) | 2.8305% | 5,789 |
| Cash dividends to net income (ytd only)* | 21.0177% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 3,687 |
| Loan loss allowance to noncurrent loans | 99.5056% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 3,580 |
| Noncurrent loans to loans | 1.2229% | 2,209 |
| Net loans and leases to total assets | 47.1156% | 5,174 |
| Net loans and leases to deposits | 53.2250% | 5,304 |
| Net loans and leases to core deposits | 59.6449% | 5,093 |
| Total domestic deposits to total assets | 88.5216% | 1,401 |
| Equity capital to assets | 9.5000% | 4,652 |
| Core capital (leverage) ratio | 9.2635% | 4,601 |
| Tier 1 risk-based capital ratio | 17.1119% | 2,365 |
| Total risk-based capital ratio | 18.2738% | 2,340 |
| Memoranda: | ||
| Average total assets | $136,010,670 | 3,853 |
| Average earning assets | $126,430,330 | 3,838 |
| Average equity | $13,139,000 | 4,178 |
| Average total loans | $66,686,330 | 4,250 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6318% | 4,589 |
| Cost of funding earning assets | 0.1982% | 5,534 |
| Net interest margin | 3.4336% | 3,695 |
| Noninterest income to average assets | 1.0158% | 1,086 |
| Noninterest expense to average assets | 3.4960% | 1,323 |
| Loan and lease loss provision to assets | 0.0149% | 3,530 |
| Net operating income to assets | 0.6386% | 4,091 |
| Return on assets (ROA) | 0.6386% | 4,214 |
| Pretax return on assets | 0.6950% | 4,610 |
| Return on Equity (ROE) | 6.5546% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.5546% | 2,207 |
| Net charge-offs to loans | 0.0239% | 2,684 |
| Credit loss provision to net charge-offs | 125.0000% | 1,404 |
| Earnings coverage of net charge-offs (x) | 59.7500% | 740 |
| Efficiency ratio | 83.1215% | 1,471 |
| Assets per employee ($millions) | 2.9569% | 5,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 3,777 |
| Loan loss allowance to noncurrent loans | 101.7263% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.5944% | 3,696 |
| Noncurrent loans to loans | 1.2114% | 2,347 |
| Net loans and leases to total assets | 47.5808% | 5,075 |
| Net loans and leases to deposits | 53.7838% | 5,209 |
| Net loans and leases to core deposits | 59.8227% | 5,001 |
| Total domestic deposits to total assets | 88.4669% | 1,560 |
| Equity capital to assets | 9.5881% | 4,648 |
| Core capital (leverage) ratio | 9.5560% | 4,194 |
| Tier 1 risk-based capital ratio | 18.4066% | 2,030 |
| Total risk-based capital ratio | 19.6558% | 1,979 |
| Memoranda: | ||
| Average total assets | $134,668,500 | 3,909 |
| Average earning assets | $125,118,000 | 3,890 |
| Average equity | $13,120,500 | 4,215 |
| Average total loans | $66,953,500 | 4,269 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 4,634 |
| Cost of funding earning assets | 0.2695% | 5,104 |
| Net interest margin | 3.4842% | 3,855 |
| Noninterest income to average assets | 1.1870% | 857 |
| Noninterest expense to average assets | 3.7017% | 1,146 |
| Loan and lease loss provision to assets | -0.0645% | 6,076 |
| Net operating income to assets | 0.6873% | 3,962 |
| Return on assets (ROA) | 0.7122% | 3,936 |
| Pretax return on assets | 0.7952% | 4,277 |
| Return on Equity (ROE) | 7.5165% | 3,366 |
| Retained earnings to average equity (ytd only) | 5.2056% | 2,464 |
| Net charge-offs to loans | 0.1208% | 2,825 |
| Credit loss provision to net charge-offs | -105.0000% | 5,528 |
| Earnings coverage of net charge-offs (x) | 11.4375% | 2,485 |
| Efficiency ratio | 84.0398% | 1,407 |
| Assets per employee ($millions) | 2.6605% | 6,051 |
| Cash dividends to net income (ytd only)* | 30.7443% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 3,822 |
| Loan loss allowance to noncurrent loans | 92.2732% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 3,319 |
| Noncurrent loans to loans | 1.3337% | 2,203 |
| Net loans and leases to total assets | 50.7299% | 4,896 |
| Net loans and leases to deposits | 57.8551% | 5,073 |
| Net loans and leases to core deposits | 62.7436% | 4,941 |
| Total domestic deposits to total assets | 87.6844% | 1,932 |
| Equity capital to assets | 9.9077% | 4,224 |
| Core capital (leverage) ratio | 9.5470% | 4,176 |
| Tier 1 risk-based capital ratio | 16.8904% | 2,557 |
| Total risk-based capital ratio | 18.0914% | 2,526 |
| Memoranda: | ||
| Average total assets | $130,155,600 | 3,972 |
| Average earning assets | $120,200,600 | 3,961 |
| Average equity | $12,332,800 | 4,295 |
| Average total loans | $66,244,200 | 4,289 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 4,733 |
| Cost of funding earning assets | 0.2799% | 5,094 |
| Net interest margin | 3.4624% | 3,970 |
| Noninterest income to average assets | 1.1375% | 934 |
| Noninterest expense to average assets | 3.6093% | 1,278 |
| Loan and lease loss provision to assets | -0.0676% | 6,223 |
| Net operating income to assets | 0.7077% | 3,901 |
| Return on assets (ROA) | 0.7225% | 3,928 |
| Pretax return on assets | 0.8065% | 4,343 |
| Return on Equity (ROE) | 7.7130% | 3,359 |
| Retained earnings to average equity (ytd only) | 5.6343% | 2,646 |
| Net charge-offs to loans | 0.1009% | 2,794 |
| Credit loss provision to net charge-offs | -132.0000% | 5,489 |
| Earnings coverage of net charge-offs (x) | 14.0990% | 2,163 |
| Efficiency ratio | 83.3215% | 1,468 |
| Assets per employee ($millions) | 2.6844% | 6,096 |
| Cash dividends to net income (ytd only)* | 26.9506% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 3,529 |
| Loan loss allowance to noncurrent loans | 65.6627% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.0550% | 2,848 |
| Noncurrent loans to loans | 2.0160% | 1,569 |
| Net loans and leases to total assets | 48.4280% | 5,159 |
| Net loans and leases to deposits | 54.7220% | 5,330 |
| Net loans and leases to core deposits | 59.9530% | 5,192 |
| Total domestic deposits to total assets | 88.4982% | 1,500 |
| Equity capital to assets | 9.4202% | 4,894 |
| Core capital (leverage) ratio | 9.5278% | 4,336 |
| Tier 1 risk-based capital ratio | 16.5503% | 2,796 |
| Total risk-based capital ratio | 17.8004% | 2,744 |
| Memoranda: | ||
| Average total assets | $130,103,750 | 4,004 |
| Average earning assets | $120,029,500 | 3,990 |
| Average equity | $12,187,000 | 4,348 |
| Average total loans | $66,066,000 | 4,329 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7752% | 4,609 |
| Cost of funding earning assets | 0.2883% | 5,092 |
| Net interest margin | 3.4868% | 3,831 |
| Noninterest income to average assets | 1.2507% | 750 |
| Noninterest expense to average assets | 3.7349% | 1,074 |
| Loan and lease loss provision to assets | -0.0761% | 6,346 |
| Net operating income to assets | 0.7085% | 3,793 |
| Return on assets (ROA) | 0.7085% | 3,888 |
| Pretax return on assets | 0.8048% | 4,246 |
| Return on Equity (ROE) | 7.5781% | 3,333 |
| Retained earnings to average equity (ytd only) | 5.9993% | 2,325 |
| Net charge-offs to loans | 0.1331% | 2,336 |
| Credit loss provision to net charge-offs | -111.3636% | 5,279 |
| Earnings coverage of net charge-offs (x) | 10.6591% | 2,227 |
| Efficiency ratio | 83.6756% | 1,553 |
| Assets per employee ($millions) | 2.5996% | 6,207 |
| Cash dividends to net income (ytd only)* | 20.8333% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 3,653 |
| Loan loss allowance to noncurrent loans | 61.4276% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 1.2129% | 2,659 |
| Noncurrent loans to loans | 2.1782% | 1,509 |
| Net loans and leases to total assets | 51.8111% | 4,760 |
| Net loans and leases to deposits | 58.9203% | 4,959 |
| Net loans and leases to core deposits | 64.8813% | 4,736 |
| Total domestic deposits to total assets | 87.9343% | 1,939 |
| Equity capital to assets | 9.8447% | 4,299 |
| Core capital (leverage) ratio | 9.4595% | 4,384 |
| Tier 1 risk-based capital ratio | 16.4359% | 2,856 |
| Total risk-based capital ratio | 17.6863% | 2,818 |
| Memoranda: | ||
| Average total assets | $128,731,000 | 4,060 |
| Average earning assets | $118,617,670 | 4,047 |
| Average equity | $12,034,670 | 4,389 |
| Average total loans | $66,130,330 | 4,346 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 4,673 |
| Cost of funding earning assets | 0.2886% | 5,186 |
| Net interest margin | 3.4601% | 3,858 |
| Noninterest income to average assets | 1.1035% | 914 |
| Noninterest expense to average assets | 3.8112% | 965 |
| Loan and lease loss provision to assets | -0.0525% | 6,453 |
| Net operating income to assets | 0.5378% | 4,511 |
| Return on assets (ROA) | 0.5378% | 4,586 |
| Pretax return on assets | 0.5317% | 5,075 |
| Return on Equity (ROE) | 5.9073% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.9073% | 2,586 |
| Net charge-offs to loans | 0.1947% | 1,563 |
| Credit loss provision to net charge-offs | -53.1250% | 4,757 |
| Earnings coverage of net charge-offs (x) | 4.8438% | 2,462 |
| Efficiency ratio | 88.8329% | 1,149 |
| Assets per employee ($millions) | 2.6951% | 6,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 3,318 |
| Loan loss allowance to noncurrent loans | 67.3601% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 3,005 |
| Noncurrent loans to loans | 2.1724% | 1,680 |
| Net loans and leases to total assets | 46.9229% | 5,240 |
| Net loans and leases to deposits | 52.6517% | 5,414 |
| Net loans and leases to core deposits | 57.0131% | 5,280 |
| Total domestic deposits to total assets | 89.1195% | 1,576 |
| Equity capital to assets | 8.9243% | 5,193 |
| Core capital (leverage) ratio | 9.4958% | 4,281 |
| Tier 1 risk-based capital ratio | 16.3714% | 2,958 |
| Total risk-based capital ratio | 17.6226% | 2,932 |
| Memoranda: | ||
| Average total assets | $129,407,500 | 4,081 |
| Average earning assets | $119,186,000 | 4,060 |
| Average equity | $11,782,000 | 4,453 |
| Average total loans | $65,750,000 | 4,399 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 5,261 |
| Cost of funding earning assets | 0.3119% | 5,504 |
| Net interest margin | 3.3441% | 4,505 |
| Noninterest income to average assets | 1.0932% | 1,176 |
| Noninterest expense to average assets | 3.4514% | 1,764 |
| Loan and lease loss provision to assets | -0.0280% | 6,323 |
| Net operating income to assets | 0.6596% | 3,992 |
| Return on assets (ROA) | 0.7530% | 3,628 |
| Pretax return on assets | 0.8710% | 3,885 |
| Return on Equity (ROE) | 7.8501% | 3,115 |
| Retained earnings to average equity (ytd only) | -7.1453% | 6,470 |
| Net charge-offs to loans | 0.1351% | 3,451 |
| Credit loss provision to net charge-offs | -44.3182% | 5,782 |
| Earnings coverage of net charge-offs (x) | 11.6023% | 2,221 |
| Efficiency ratio | 82.4570% | 1,815 |
| Assets per employee ($millions) | 2.3408% | 6,496 |
| Cash dividends to net income (ytd only)* | 191.0220% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 3,343 |
| Loan loss allowance to noncurrent loans | 64.5752% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 1.2760% | 2,864 |
| Noncurrent loans to loans | 2.2724% | 1,701 |
| Net loans and leases to total assets | 53.4757% | 4,655 |
| Net loans and leases to deposits | 61.3278% | 4,792 |
| Net loans and leases to core deposits | 64.0429% | 4,862 |
| Total domestic deposits to total assets | 87.1965% | 2,625 |
| Equity capital to assets | 9.3003% | 4,693 |
| Core capital (leverage) ratio | 8.8229% | 5,246 |
| Tier 1 risk-based capital ratio | 15.9074% | 3,143 |
| Total risk-based capital ratio | 17.1596% | 3,097 |
| Memoranda: | ||
| Average total assets | $139,043,400 | 3,894 |
| Average earning assets | $128,585,200 | 3,875 |
| Average equity | $13,337,400 | 4,197 |
| Average total loans | $65,139,000 | 4,438 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5567% | 5,563 |
| Cost of funding earning assets | 0.3125% | 5,617 |
| Net interest margin | 3.2442% | 4,853 |
| Noninterest income to average assets | 1.0617% | 1,296 |
| Noninterest expense to average assets | 3.3512% | 1,943 |
| Loan and lease loss provision to assets | -0.0159% | 6,477 |
| Net operating income to assets | 0.6267% | 4,232 |
| Return on assets (ROA) | 0.7479% | 3,739 |
| Pretax return on assets | 0.8721% | 4,001 |
| Return on Equity (ROE) | 7.7461% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.7461% | 1,526 |
| Net charge-offs to loans | 0.1362% | 3,174 |
| Credit loss provision to net charge-offs | -25.7576% | 5,652 |
| Earnings coverage of net charge-offs (x) | 11.6058% | 2,219 |
| Efficiency ratio | 82.4110% | 1,775 |
| Assets per employee ($millions) | 2.5445% | 6,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 3,196 |
| Loan loss allowance to noncurrent loans | 75.2735% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.0861% | 3,483 |
| Noncurrent loans to loans | 2.0693% | 2,169 |
| Net loans and leases to total assets | 46.6038% | 5,483 |
| Net loans and leases to deposits | 60.5640% | 4,909 |
| Net loans and leases to core deposits | 64.1829% | 4,885 |
| Total domestic deposits to total assets | 76.9496% | 6,052 |
| Equity capital to assets | 9.6985% | 4,303 |
| Core capital (leverage) ratio | 9.5911% | 4,262 |
| Tier 1 risk-based capital ratio | 17.7462% | 2,424 |
| Total risk-based capital ratio | 18.9987% | 2,388 |
| Memoranda: | ||
| Average total assets | $142,789,250 | 3,872 |
| Average earning assets | $132,254,250 | 3,831 |
| Average equity | $13,787,250 | 4,155 |
| Average total loans | $64,591,250 | 4,506 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5465% | 5,593 |
| Cost of funding earning assets | 0.3135% | 5,729 |
| Net interest margin | 3.2330% | 4,828 |
| Noninterest income to average assets | 1.0505% | 1,380 |
| Noninterest expense to average assets | 3.3367% | 1,977 |
| Loan and lease loss provision to assets | -0.0195% | 6,595 |
| Net operating income to assets | 0.6324% | 4,145 |
| Return on assets (ROA) | 0.7222% | 3,876 |
| Pretax return on assets | 0.8363% | 4,173 |
| Return on Equity (ROE) | 7.4899% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.4899% | 1,672 |
| Net charge-offs to loans | 0.1062% | 3,302 |
| Credit loss provision to net charge-offs | -41.1765% | 5,526 |
| Earnings coverage of net charge-offs (x) | 15.0588% | 1,774 |
| Efficiency ratio | 82.4055% | 1,834 |
| Assets per employee ($millions) | 2.6474% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 3,116 |
| Loan loss allowance to noncurrent loans | 73.9945% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.0741% | 3,587 |
| Noncurrent loans to loans | 2.1772% | 2,205 |
| Net loans and leases to total assets | 44.7541% | 5,669 |
| Net loans and leases to deposits | 59.1902% | 5,053 |
| Net loans and leases to core deposits | 63.8807% | 4,906 |
| Total domestic deposits to total assets | 75.6107% | 6,291 |
| Equity capital to assets | 9.1862% | 5,010 |
| Core capital (leverage) ratio | 9.0799% | 4,859 |
| Tier 1 risk-based capital ratio | 17.1545% | 2,655 |
| Total risk-based capital ratio | 18.4076% | 2,628 |
| Memoranda: | ||
| Average total assets | $143,735,670 | 3,877 |
| Average earning assets | $133,313,000 | 3,833 |
| Average equity | $13,858,670 | 4,174 |
| Average total loans | $64,037,000 | 4,537 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5609% | 5,556 |
| Cost of funding earning assets | 0.3169% | 5,827 |
| Net interest margin | 3.2440% | 4,747 |
| Noninterest income to average assets | 1.0448% | 1,357 |
| Noninterest expense to average assets | 3.3586% | 1,933 |
| Loan and lease loss provision to assets | 0.0504% | 3,779 |
| Net operating income to assets | 0.5560% | 4,425 |
| Return on assets (ROA) | 0.7367% | 3,636 |
| Pretax return on assets | 0.8571% | 3,926 |
| Return on Equity (ROE) | 7.4610% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.4610% | 1,959 |
| Net charge-offs to loans | 0.1398% | 2,568 |
| Credit loss provision to net charge-offs | 81.8182% | 2,137 |
| Earnings coverage of net charge-offs (x) | 11.3182% | 1,667 |
| Efficiency ratio | 82.8039% | 1,916 |
| Assets per employee ($millions) | 2.8113% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 2,721 |
| Loan loss allowance to noncurrent loans | 73.4303% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.0517% | 3,831 |
| Noncurrent loans to loans | 2.4145% | 2,147 |
| Net loans and leases to total assets | 41.3109% | 5,888 |
| Net loans and leases to deposits | 55.5905% | 5,287 |
| Net loans and leases to core deposits | 60.2394% | 5,120 |
| Total domestic deposits to total assets | 74.3129% | 6,512 |
| Equity capital to assets | 9.4801% | 4,877 |
| Core capital (leverage) ratio | 9.3140% | 4,375 |
| Tier 1 risk-based capital ratio | 17.6051% | 2,516 |
| Total risk-based capital ratio | 18.8570% | 2,484 |
| Memoranda: | ||
| Average total assets | $142,799,000 | 3,929 |
| Average earning assets | $132,552,500 | 3,892 |
| Average equity | $14,100,000 | 4,179 |
| Average total loans | $62,939,000 | 4,604 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 5,854 |
| Cost of funding earning assets | 0.4021% | 5,903 |
| Net interest margin | 3.3853% | 4,938 |
| Noninterest income to average assets | 1.1100% | 1,256 |
| Noninterest expense to average assets | 3.4660% | 1,912 |
| Loan and lease loss provision to assets | 0.0123% | 5,758 |
| Net operating income to assets | 0.6697% | 3,888 |
| Return on assets (ROA) | 0.7137% | 3,933 |
| Pretax return on assets | 0.8179% | 4,230 |
| Return on Equity (ROE) | 7.3282% | 3,450 |
| Retained earnings to average equity (ytd only) | 7.3282% | 1,411 |
| Net charge-offs to loans | 0.2055% | 3,737 |
| Credit loss provision to net charge-offs | 13.3858% | 5,361 |
| Earnings coverage of net charge-offs (x) | 8.4882% | 2,403 |
| Efficiency ratio | 81.6386% | 1,922 |
| Assets per employee ($millions) | 2.5774% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 2,715 |
| Loan loss allowance to noncurrent loans | 70.4804% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 3,662 |
| Noncurrent loans to loans | 2.5026% | 2,109 |
| Net loans and leases to total assets | 45.4609% | 5,672 |
| Net loans and leases to deposits | 60.8513% | 4,931 |
| Net loans and leases to core deposits | 64.0015% | 4,953 |
| Total domestic deposits to total assets | 74.7081% | 6,471 |
| Equity capital to assets | 10.3037% | 3,755 |
| Core capital (leverage) ratio | 9.0715% | 4,782 |
| Tier 1 risk-based capital ratio | 17.7212% | 2,375 |
| Total risk-based capital ratio | 18.9755% | 2,335 |
| Memoranda: | ||
| Average total assets | $138,284,400 | 3,985 |
| Average earning assets | $128,082,600 | 3,943 |
| Average equity | $13,468,600 | 4,265 |
| Average total loans | $61,806,600 | 4,643 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 6,082 |
| Cost of funding earning assets | 0.4161% | 6,016 |
| Net interest margin | 3.3556% | 5,197 |
| Noninterest income to average assets | 1.1045% | 1,233 |
| Noninterest expense to average assets | 3.5037% | 1,749 |
| Loan and lease loss provision to assets | -0.0163% | 6,958 |
| Net operating income to assets | 0.6364% | 4,206 |
| Return on assets (ROA) | 0.6863% | 4,230 |
| Pretax return on assets | 0.7825% | 4,554 |
| Return on Equity (ROE) | 7.1486% | 3,725 |
| Retained earnings to average equity (ytd only) | 7.1486% | 2,033 |
| Net charge-offs to loans | 0.2473% | 3,239 |
| Credit loss provision to net charge-offs | -14.9123% | 6,110 |
| Earnings coverage of net charge-offs (x) | 6.4736% | 2,783 |
| Efficiency ratio | 83.1622% | 1,686 |
| Assets per employee ($millions) | 2.6842% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 2,866 |
| Loan loss allowance to noncurrent loans | 78.7050% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 4,240 |
| Noncurrent loans to loans | 2.2596% | 2,545 |
| Net loans and leases to total assets | 41.6850% | 6,149 |
| Net loans and leases to deposits | 54.6464% | 5,751 |
| Net loans and leases to core deposits | 58.7969% | 5,677 |
| Total domestic deposits to total assets | 76.2813% | 6,345 |
| Equity capital to assets | 9.5440% | 5,149 |
| Core capital (leverage) ratio | 8.5900% | 5,633 |
| Tier 1 risk-based capital ratio | 17.9570% | 2,368 |
| Total risk-based capital ratio | 19.2128% | 2,340 |
| Memoranda: | ||
| Average total assets | $138,705,250 | 4,012 |
| Average earning assets | $128,497,250 | 3,969 |
| Average equity | $13,317,000 | 4,339 |
| Average total loans | $61,454,500 | 4,708 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 6,067 |
| Cost of funding earning assets | 0.4287% | 6,108 |
| Net interest margin | 3.4025% | 5,077 |
| Noninterest income to average assets | 1.1052% | 1,173 |
| Noninterest expense to average assets | 3.5909% | 1,597 |
| Loan and lease loss provision to assets | -0.0249% | 7,050 |
| Net operating income to assets | 0.5997% | 4,372 |
| Return on assets (ROA) | 0.6748% | 4,263 |
| Pretax return on assets | 0.7744% | 4,563 |
| Return on Equity (ROE) | 7.0142% | 3,770 |
| Retained earnings to average equity (ytd only) | 7.0142% | 2,094 |
| Net charge-offs to loans | 0.1725% | 3,568 |
| Credit loss provision to net charge-offs | -32.0755% | 5,970 |
| Earnings coverage of net charge-offs (x) | 8.5472% | 2,277 |
| Efficiency ratio | 84.4116% | 1,591 |
| Assets per employee ($millions) | 2.6093% | 6,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 2,576 |
| Loan loss allowance to noncurrent loans | 74.1335% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.1433% | 4,105 |
| Noncurrent loans to loans | 2.5569% | 2,357 |
| Net loans and leases to total assets | 42.4259% | 6,162 |
| Net loans and leases to deposits | 55.3791% | 5,721 |
| Net loans and leases to core deposits | 61.3735% | 5,450 |
| Total domestic deposits to total assets | 76.6100% | 6,385 |
| Equity capital to assets | 9.5499% | 4,987 |
| Core capital (leverage) ratio | 8.8537% | 5,121 |
| Tier 1 risk-based capital ratio | 17.7936% | 2,367 |
| Total risk-based capital ratio | 19.0506% | 2,331 |
| Memoranda: | ||
| Average total assets | $136,624,000 | 4,062 |
| Average earning assets | $126,437,000 | 4,025 |
| Average equity | $13,144,670 | 4,369 |
| Average total loans | $61,434,000 | 4,729 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9204% | 5,971 |
| Cost of funding earning assets | 0.4478% | 6,159 |
| Net interest margin | 3.4726% | 4,821 |
| Noninterest income to average assets | 1.1213% | 1,123 |
| Noninterest expense to average assets | 3.6316% | 1,496 |
| Loan and lease loss provision to assets | 0.1011% | 4,073 |
| Net operating income to assets | 0.5244% | 4,714 |
| Return on assets (ROA) | 0.6841% | 4,176 |
| Pretax return on assets | 0.7763% | 4,506 |
| Return on Equity (ROE) | 7.0829% | 3,738 |
| Retained earnings to average equity (ytd only) | 7.0829% | 2,391 |
| Net charge-offs to loans | -0.1232% | 6,861 |
| Credit loss provision to net charge-offs | -178.9474% | 5,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9175% | 1,697 |
| Assets per employee ($millions) | 2.6184% | 6,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0671% | 2,176 |
| Loan loss allowance to noncurrent loans | 72.4079% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.5269% | 3,567 |
| Noncurrent loans to loans | 2.8547% | 2,262 |
| Net loans and leases to total assets | 43.6311% | 6,047 |
| Net loans and leases to deposits | 56.1039% | 5,590 |
| Net loans and leases to core deposits | 63.0017% | 5,220 |
| Total domestic deposits to total assets | 77.7683% | 6,300 |
| Equity capital to assets | 9.4318% | 4,901 |
| Core capital (leverage) ratio | 9.1069% | 4,672 |
| Tier 1 risk-based capital ratio | 17.4202% | 2,510 |
| Total risk-based capital ratio | 18.6929% | 2,467 |
| Memoranda: | ||
| Average total assets | $134,485,000 | 4,141 |
| Average earning assets | $124,172,000 | 4,108 |
| Average equity | $12,989,000 | 4,408 |
| Average total loans | $61,684,000 | 4,747 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 5,705 |
| Cost of funding earning assets | 0.6148% | 6,017 |
| Net interest margin | 3.7044% | 4,279 |
| Noninterest income to average assets | 1.3024% | 760 |
| Noninterest expense to average assets | 3.7793% | 1,384 |
| Loan and lease loss provision to assets | 0.2570% | 3,636 |
| Net operating income to assets | 0.5947% | 4,026 |
| Return on assets (ROA) | 0.6253% | 4,056 |
| Pretax return on assets | 0.6747% | 4,424 |
| Return on Equity (ROE) | 6.6310% | 3,573 |
| Retained earnings to average equity (ytd only) | 5.6338% | 2,221 |
| Net charge-offs to loans | 0.3801% | 3,510 |
| Credit loss provision to net charge-offs | 141.9913% | 2,051 |
| Earnings coverage of net charge-offs (x) | 4.9654% | 2,929 |
| Efficiency ratio | 80.7873% | 2,188 |
| Assets per employee ($millions) | 2.3672% | 6,949 |
| Cash dividends to net income (ytd only)* | 15.0376% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9905% | 2,312 |
| Loan loss allowance to noncurrent loans | 63.4386% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.7297% | 3,355 |
| Noncurrent loans to loans | 3.1377% | 2,060 |
| Net loans and leases to total assets | 46.3274% | 5,990 |
| Net loans and leases to deposits | 58.4327% | 5,657 |
| Net loans and leases to core deposits | 64.3529% | 5,433 |
| Total domestic deposits to total assets | 79.2834% | 5,923 |
| Equity capital to assets | 9.8998% | 4,306 |
| Core capital (leverage) ratio | 8.9087% | 4,920 |
| Tier 1 risk-based capital ratio | 17.3839% | 2,429 |
| Total risk-based capital ratio | 18.6420% | 2,395 |
| Memoranda: | ||
| Average total assets | $127,614,600 | 4,221 |
| Average earning assets | $116,293,600 | 4,228 |
| Average equity | $12,034,400 | 4,545 |
| Average total loans | $60,776,600 | 4,838 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 5,782 |
| Cost of funding earning assets | 0.6486% | 6,040 |
| Net interest margin | 3.6995% | 4,332 |
| Noninterest income to average assets | 1.3378% | 731 |
| Noninterest expense to average assets | 3.8559% | 1,219 |
| Loan and lease loss provision to assets | 0.2478% | 3,527 |
| Net operating income to assets | 0.5612% | 4,267 |
| Return on assets (ROA) | 0.6007% | 4,263 |
| Pretax return on assets | 0.6364% | 4,699 |
| Return on Equity (ROE) | 6.4518% | 3,795 |
| Retained earnings to average equity (ytd only) | 5.0982% | 3,110 |
| Net charge-offs to loans | 0.4269% | 3,007 |
| Credit loss provision to net charge-offs | 121.6495% | 2,662 |
| Earnings coverage of net charge-offs (x) | 4.1340% | 3,165 |
| Efficiency ratio | 82.0742% | 1,961 |
| Assets per employee ($millions) | 2.3173% | 7,069 |
| Cash dividends to net income (ytd only)* | 20.9795% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 2,479 |
| Loan loss allowance to noncurrent loans | 58.2960% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.8055% | 3,387 |
| Noncurrent loans to loans | 3.3420% | 2,064 |
| Net loans and leases to total assets | 45.3764% | 6,202 |
| Net loans and leases to deposits | 57.1578% | 5,922 |
| Net loans and leases to core deposits | 64.3618% | 5,577 |
| Total domestic deposits to total assets | 79.3878% | 5,889 |
| Equity capital to assets | 9.6965% | 4,784 |
| Core capital (leverage) ratio | 8.9395% | 5,030 |
| Tier 1 risk-based capital ratio | 17.3001% | 2,523 |
| Total risk-based capital ratio | 18.5527% | 2,485 |
| Memoranda: | ||
| Average total assets | $126,969,500 | 4,254 |
| Average earning assets | $115,327,000 | 4,271 |
| Average equity | $11,820,750 | 4,616 |
| Average total loans | $60,585,500 | 4,886 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 5,753 |
| Cost of funding earning assets | 0.6909% | 6,015 |
| Net interest margin | 3.6926% | 4,300 |
| Noninterest income to average assets | 1.3536% | 697 |
| Noninterest expense to average assets | 3.8751% | 1,236 |
| Loan and lease loss provision to assets | 0.3396% | 2,749 |
| Net operating income to assets | 0.4846% | 4,565 |
| Return on assets (ROA) | 0.5475% | 4,451 |
| Pretax return on assets | 0.5522% | 4,902 |
| Return on Equity (ROE) | 5.9654% | 3,992 |
| Retained earnings to average equity (ytd only) | 3.8905% | 3,719 |
| Net charge-offs to loans | 0.4180% | 2,888 |
| Credit loss provision to net charge-offs | 168.5039% | 1,794 |
| Earnings coverage of net charge-offs (x) | 4.1102% | 2,961 |
| Efficiency ratio | 82.3887% | 2,050 |
| Assets per employee ($millions) | 2.3559% | 7,064 |
| Cash dividends to net income (ytd only)* | 34.7826% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0097% | 2,345 |
| Loan loss allowance to noncurrent loans | 59.8522% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.8630% | 3,417 |
| Noncurrent loans to loans | 3.3577% | 2,119 |
| Net loans and leases to total assets | 46.5685% | 6,208 |
| Net loans and leases to deposits | 57.9677% | 5,941 |
| Net loans and leases to core deposits | 65.9076% | 5,526 |
| Total domestic deposits to total assets | 80.3352% | 5,733 |
| Equity capital to assets | 9.3832% | 5,011 |
| Core capital (leverage) ratio | 8.6553% | 5,297 |
| Tier 1 risk-based capital ratio | 17.0142% | 2,514 |
| Total risk-based capital ratio | 18.2721% | 2,487 |
| Memoranda: | ||
| Average total assets | $126,036,670 | 4,300 |
| Average earning assets | $114,336,330 | 4,325 |
| Average equity | $11,566,670 | 4,669 |
| Average total loans | $60,762,670 | 4,925 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 5,620 |
| Cost of funding earning assets | 0.7108% | 6,078 |
| Net interest margin | 3.7088% | 4,054 |
| Noninterest income to average assets | 1.3073% | 750 |
| Noninterest expense to average assets | 3.9475% | 1,105 |
| Loan and lease loss provision to assets | 0.4018% | 2,188 |
| Net operating income to assets | 0.3571% | 5,139 |
| Return on assets (ROA) | 0.4623% | 4,735 |
| Pretax return on assets | 0.4241% | 5,266 |
| Return on Equity (ROE) | 5.0960% | 4,345 |
| Retained earnings to average equity (ytd only) | 0.8786% | 5,478 |
| Net charge-offs to loans | 0.3743% | 2,569 |
| Credit loss provision to net charge-offs | 221.0526% | 1,371 |
| Earnings coverage of net charge-offs (x) | 3.9649% | 2,595 |
| Efficiency ratio | 84.5628% | 1,890 |
| Assets per employee ($millions) | 2.4027% | 7,101 |
| Cash dividends to net income (ytd only)* | 82.7586% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0132% | 2,378 |
| Loan loss allowance to noncurrent loans | 66.6852% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.6794% | 3,732 |
| Noncurrent loans to loans | 3.0189% | 2,492 |
| Net loans and leases to total assets | 44.9047% | 6,389 |
| Net loans and leases to deposits | 56.9917% | 6,028 |
| Net loans and leases to core deposits | 64.9318% | 5,631 |
| Total domestic deposits to total assets | 78.7916% | 6,239 |
| Equity capital to assets | 8.8080% | 5,478 |
| Core capital (leverage) ratio | 8.8940% | 4,785 |
| Tier 1 risk-based capital ratio | 16.6377% | 2,604 |
| Total risk-based capital ratio | 17.8971% | 2,579 |
| Memoranda: | ||
| Average total assets | $125,446,500 | 4,349 |
| Average earning assets | $113,674,500 | 4,363 |
| Average equity | $11,381,500 | 4,698 |
| Average total loans | $60,915,000 | 4,965 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 5,448 |
| Cost of funding earning assets | 0.9414% | 5,973 |
| Net interest margin | 3.8491% | 3,735 |
| Noninterest income to average assets | 1.4700% | 672 |
| Noninterest expense to average assets | 4.0659% | 1,070 |
| Loan and lease loss provision to assets | 0.3737% | 3,883 |
| Net operating income to assets | 0.4678% | 4,235 |
| Return on assets (ROA) | 0.5943% | 3,864 |
| Pretax return on assets | 0.6214% | 4,255 |
| Return on Equity (ROE) | 6.4376% | 3,381 |
| Retained earnings to average equity (ytd only) | 4.8326% | 2,522 |
| Net charge-offs to loans | 0.6028% | 3,221 |
| Credit loss provision to net charge-offs | 121.0667% | 3,476 |
| Earnings coverage of net charge-offs (x) | 2.7973% | 3,678 |
| Efficiency ratio | 82.4846% | 2,102 |
| Assets per employee ($millions) | 2.2027% | 7,302 |
| Cash dividends to net income (ytd only)* | 24.9307% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8085% | 2,834 |
| Loan loss allowance to noncurrent loans | 57.4046% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.9844% | 3,367 |
| Noncurrent loans to loans | 3.1505% | 2,417 |
| Net loans and leases to total assets | 50.5526% | 6,109 |
| Net loans and leases to deposits | 62.5899% | 5,783 |
| Net loans and leases to core deposits | 69.5074% | 5,488 |
| Total domestic deposits to total assets | 80.7680% | 5,604 |
| Equity capital to assets | 9.3564% | 4,609 |
| Core capital (leverage) ratio | 9.0978% | 4,362 |
| Tier 1 risk-based capital ratio | 16.6555% | 2,477 |
| Total risk-based capital ratio | 17.9088% | 2,444 |
| Memoranda: | ||
| Average total assets | $121,497,000 | 4,454 |
| Average earning assets | $109,195,600 | 4,487 |
| Average equity | $11,215,400 | 4,812 |
| Average total loans | $62,207,400 | 4,984 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8223% | 5,567 |
| Cost of funding earning assets | 0.9842% | 6,015 |
| Net interest margin | 3.8381% | 3,803 |
| Noninterest income to average assets | 1.4322% | 663 |
| Noninterest expense to average assets | 4.0081% | 1,033 |
| Loan and lease loss provision to assets | 0.4266% | 3,354 |
| Net operating income to assets | 0.4419% | 4,582 |
| Return on assets (ROA) | 0.5439% | 4,285 |
| Pretax return on assets | 0.5472% | 4,768 |
| Return on Equity (ROE) | 5.9123% | 3,858 |
| Retained earnings to average equity (ytd only) | 3.7667% | 3,808 |
| Net charge-offs to loans | 0.6606% | 2,780 |
| Credit loss provision to net charge-offs | 126.2987% | 3,233 |
| Earnings coverage of net charge-offs (x) | 2.5779% | 3,862 |
| Efficiency ratio | 82.1533% | 2,045 |
| Assets per employee ($millions) | 2.1889% | 7,393 |
| Cash dividends to net income (ytd only)* | 36.2895% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8695% | 2,575 |
| Loan loss allowance to noncurrent loans | 58.4886% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.9529% | 3,534 |
| Noncurrent loans to loans | 3.1963% | 2,494 |
| Net loans and leases to total assets | 49.2699% | 6,398 |
| Net loans and leases to deposits | 60.9171% | 6,227 |
| Net loans and leases to core deposits | 67.9182% | 5,952 |
| Total domestic deposits to total assets | 80.8802% | 5,422 |
| Equity capital to assets | 9.6762% | 4,575 |
| Core capital (leverage) ratio | 8.9261% | 4,812 |
| Tier 1 risk-based capital ratio | 16.5802% | 2,524 |
| Total risk-based capital ratio | 17.8232% | 2,482 |
| Memoranda: | ||
| Average total assets | $121,584,500 | 4,515 |
| Average earning assets | $109,184,500 | 4,549 |
| Average equity | $11,185,500 | 4,883 |
| Average total loans | $62,166,500 | 5,058 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 5,769 |
| Cost of funding earning assets | 1.0242% | 6,036 |
| Net interest margin | 3.7839% | 3,968 |
| Noninterest income to average assets | 1.3904% | 654 |
| Noninterest expense to average assets | 3.9399% | 1,120 |
| Loan and lease loss provision to assets | 0.4443% | 3,097 |
| Net operating income to assets | 0.4214% | 4,655 |
| Return on assets (ROA) | 0.4870% | 4,543 |
| Pretax return on assets | 0.4640% | 5,019 |
| Return on Equity (ROE) | 5.3848% | 4,097 |
| Retained earnings to average equity (ytd only) | 2.8465% | 4,332 |
| Net charge-offs to loans | 0.7109% | 2,439 |
| Credit loss provision to net charge-offs | 121.5247% | 3,336 |
| Earnings coverage of net charge-offs (x) | 2.3049% | 3,845 |
| Efficiency ratio | 82.3792% | 2,113 |
| Assets per employee ($millions) | 2.2079% | 7,425 |
| Cash dividends to net income (ytd only)* | 47.1380% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 2,678 |
| Loan loss allowance to noncurrent loans | 54.8500% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.9572% | 3,546 |
| Noncurrent loans to loans | 3.3101% | 2,420 |
| Net loans and leases to total assets | 47.9801% | 6,623 |
| Net loans and leases to deposits | 60.9946% | 6,311 |
| Net loans and leases to core deposits | 73.6450% | 5,482 |
| Total domestic deposits to total assets | 78.6628% | 6,119 |
| Equity capital to assets | 9.1627% | 5,196 |
| Core capital (leverage) ratio | 8.5515% | 5,320 |
| Tier 1 risk-based capital ratio | 16.2831% | 2,557 |
| Total risk-based capital ratio | 17.5385% | 2,508 |
| Memoranda: | ||
| Average total assets | $121,983,330 | 4,528 |
| Average earning assets | $109,357,670 | 4,573 |
| Average equity | $11,031,000 | 4,913 |
| Average total loans | $62,740,330 | 5,071 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8423% | 5,716 |
| Cost of funding earning assets | 1.0629% | 6,071 |
| Net interest margin | 3.7794% | 3,876 |
| Noninterest income to average assets | 1.3537% | 656 |
| Noninterest expense to average assets | 4.0147% | 1,009 |
| Loan and lease loss provision to assets | 0.4985% | 2,506 |
| Net operating income to assets | 0.2773% | 5,384 |
| Return on assets (ROA) | 0.4094% | 4,943 |
| Pretax return on assets | 0.3533% | 5,443 |
| Return on Equity (ROE) | 4.5580% | 4,618 |
| Retained earnings to average equity (ytd only) | 0.8822% | 5,458 |
| Net charge-offs to loans | 0.9452% | 1,707 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 1.4437% | 3,878 |
| Efficiency ratio | 84.7978% | 1,932 |
| Assets per employee ($millions) | 2.2183% | 7,527 |
| Cash dividends to net income (ytd only)* | 80.6452% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 3,152 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 2.2017% | 3,273 |
| Noncurrent loans to loans | 3.3512% | 2,386 |
| Net loans and leases to total assets | 49.5524% | 6,519 |
| Net loans and leases to deposits | 63.0080% | 6,169 |
| Net loans and leases to core deposits | 75.4933% | 5,330 |
| Total domestic deposits to total assets | 78.6447% | 6,167 |
| Equity capital to assets | 8.7722% | 5,604 |
| Core capital (leverage) ratio | 8.6251% | 5,162 |
| Tier 1 risk-based capital ratio | 15.6469% | 2,808 |
| Total risk-based capital ratio | 16.9020% | 2,753 |
| Memoranda: | ||
| Average total assets | $121,153,500 | 4,599 |
| Average earning assets | $108,378,000 | 4,650 |
| Average equity | $10,882,000 | 5,010 |
| Average total loans | $63,900,000 | 5,088 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2426% | 5,445 |
| Cost of funding earning assets | 1.3063% | 6,286 |
| Net interest margin | 3.9363% | 3,137 |
| Noninterest income to average assets | 1.4729% | 659 |
| Noninterest expense to average assets | 4.0966% | 1,236 |
| Loan and lease loss provision to assets | 0.9015% | 2,496 |
| Net operating income to assets | 0.1361% | 5,092 |
| Return on assets (ROA) | 0.1915% | 4,995 |
| Pretax return on assets | 0.0522% | 5,321 |
| Return on Equity (ROE) | 2.2741% | 4,801 |
| Retained earnings to average equity (ytd only) | 2.2741% | 3,524 |
| Net charge-offs to loans | 1.2568% | 1,967 |
| Credit loss provision to net charge-offs | 134.5499% | 3,693 |
| Earnings coverage of net charge-offs (x) | 1.3406% | 4,791 |
| Efficiency ratio | 81.9843% | 2,602 |
| Assets per employee ($millions) | 2.0014% | 7,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 3,248 |
| Loan loss allowance to noncurrent loans | 48.2077% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 2.3813% | 2,922 |
| Noncurrent loans to loans | 3.3376% | 2,281 |
| Net loans and leases to total assets | 54.3227% | 6,166 |
| Net loans and leases to deposits | 67.0090% | 5,945 |
| Net loans and leases to core deposits | 76.6905% | 6,359 |
| Total domestic deposits to total assets | 81.0679% | 5,321 |
| Equity capital to assets | 9.2027% | 4,841 |
| Core capital (leverage) ratio | 8.8286% | 4,725 |
| Tier 1 risk-based capital ratio | 15.6116% | 2,670 |
| Total risk-based capital ratio | 16.8548% | 2,626 |
| Memoranda: | ||
| Average total assets | $122,686,800 | 4,499 |
| Average earning assets | $109,774,200 | 4,571 |
| Average equity | $10,333,800 | 5,204 |
| Average total loans | $65,406,200 | 5,050 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2259% | 5,774 |
| Cost of funding earning assets | 1.3585% | 6,374 |
| Net interest margin | 3.8674% | 3,350 |
| Noninterest income to average assets | 1.4309% | 731 |
| Noninterest expense to average assets | 4.1344% | 1,099 |
| Loan and lease loss provision to assets | 0.7730% | 2,440 |
| Net operating income to assets | 0.1406% | 5,352 |
| Return on assets (ROA) | 0.1475% | 5,394 |
| Pretax return on assets | -0.0054% | 5,717 |
| Return on Equity (ROE) | 1.7907% | 5,232 |
| Retained earnings to average equity (ytd only) | 1.7907% | 4,311 |
| Net charge-offs to loans | 0.5072% | 3,194 |
| Credit loss provision to net charge-offs | 288.3534% | 1,442 |
| Earnings coverage of net charge-offs (x) | 2.8233% | 3,808 |
| Efficiency ratio | 84.5256% | 2,238 |
| Assets per employee ($millions) | 2.0550% | 7,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 2,201 |
| Loan loss allowance to noncurrent loans | 41.9015% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 3.2392% | 2,092 |
| Noncurrent loans to loans | 4.3589% | 1,628 |
| Net loans and leases to total assets | 53.7944% | 6,405 |
| Net loans and leases to deposits | 66.8680% | 6,223 |
| Net loans and leases to core deposits | 76.4326% | 6,583 |
| Total domestic deposits to total assets | 80.4487% | 5,268 |
| Equity capital to assets | 8.9399% | 5,572 |
| Core capital (leverage) ratio | 8.5618% | 5,371 |
| Tier 1 risk-based capital ratio | 14.2435% | 3,413 |
| Total risk-based capital ratio | 15.4934% | 3,360 |
| Memoranda: | ||
| Average total assets | $123,837,250 | 4,505 |
| Average earning assets | $110,803,500 | 4,565 |
| Average equity | $10,200,500 | 5,287 |
| Average total loans | $65,458,750 | 5,087 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2142% | 6,031 |
| Cost of funding earning assets | 1.4431% | 6,339 |
| Net interest margin | 3.7711% | 3,671 |
| Noninterest income to average assets | 1.3466% | 841 |
| Noninterest expense to average assets | 4.0511% | 1,247 |
| Loan and lease loss provision to assets | 0.9467% | 1,786 |
| Net operating income to assets | -0.0490% | 5,922 |
| Return on assets (ROA) | -0.0387% | 5,973 |
| Pretax return on assets | -0.2677% | 6,202 |
| Return on Equity (ROE) | -0.4836% | 5,994 |
| Retained earnings to average equity (ytd only) | -0.4836% | 5,342 |
| Net charge-offs to loans | 0.5528% | 2,670 |
| Credit loss provision to net charge-offs | 327.9330% | 1,420 |
| Earnings coverage of net charge-offs (x) | 2.2961% | 3,919 |
| Efficiency ratio | 85.9391% | 2,236 |
| Assets per employee ($millions) | 2.1328% | 7,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7941% | 2,062 |
| Loan loss allowance to noncurrent loans | 39.6820% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 3.2263% | 1,944 |
| Noncurrent loans to loans | 4.5213% | 1,421 |
| Net loans and leases to total assets | 51.9046% | 6,699 |
| Net loans and leases to deposits | 64.5764% | 6,509 |
| Net loans and leases to core deposits | 69.7387% | 7,031 |
| Total domestic deposits to total assets | 80.3770% | 5,326 |
| Equity capital to assets | 8.3709% | 6,242 |
| Core capital (leverage) ratio | 8.1795% | 6,014 |
| Tier 1 risk-based capital ratio | 14.7785% | 3,113 |
| Total risk-based capital ratio | 16.0332% | 3,043 |
| Memoranda: | ||
| Average total assets | $124,016,000 | 4,529 |
| Average earning assets | $110,735,670 | 4,607 |
| Average equity | $9,926,330 | 5,377 |
| Average total loans | $64,757,330 | 5,146 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2058% | 6,273 |
| Cost of funding earning assets | 1.5932% | 6,060 |
| Net interest margin | 3.6126% | 4,270 |
| Noninterest income to average assets | 1.3111% | 830 |
| Noninterest expense to average assets | 4.2425% | 898 |
| Loan and lease loss provision to assets | 1.3497% | 947 |
| Net operating income to assets | -0.6253% | 6,987 |
| Return on assets (ROA) | -0.6088% | 7,015 |
| Pretax return on assets | -1.0340% | 7,167 |
| Return on Equity (ROE) | -7.7842% | 7,223 |
| Retained earnings to average equity (ytd only) | -7.7842% | 6,892 |
| Net charge-offs to loans | 0.7448% | 1,699 |
| Credit loss provision to net charge-offs | 349.1667% | 1,444 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 4,424 |
| Efficiency ratio | 93.6034% | 1,457 |
| Assets per employee ($millions) | 2.1898% | 7,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6743% | 2,226 |
| Loan loss allowance to noncurrent loans | 33.4486% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 3.2230% | 1,715 |
| Noncurrent loans to loans | 5.0057% | 1,082 |
| Net loans and leases to total assets | 48.3634% | 6,995 |
| Net loans and leases to deposits | 60.0138% | 6,891 |
| Net loans and leases to core deposits | 66.6951% | 7,209 |
| Total domestic deposits to total assets | 80.5870% | 5,137 |
| Equity capital to assets | 7.8539% | 7,001 |
| Core capital (leverage) ratio | 8.2276% | 6,046 |
| Tier 1 risk-based capital ratio | 14.3152% | 3,423 |
| Total risk-based capital ratio | 15.5780% | 3,337 |
| Memoranda: | ||
| Average total assets | $124,173,000 | 4,538 |
| Average earning assets | $110,723,500 | 4,617 |
| Average equity | $9,712,000 | 5,472 |
| Average total loans | $64,446,000 | 5,186 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9617% | 5,747 |
| Cost of funding earning assets | 2.3013% | 5,147 |
| Net interest margin | 3.6604% | 4,642 |
| Noninterest income to average assets | 1.6002% | 543 |
| Noninterest expense to average assets | 3.8335% | 1,691 |
| Loan and lease loss provision to assets | 0.3253% | 3,779 |
| Net operating income to assets | 0.5070% | 4,695 |
| Return on assets (ROA) | 0.4090% | 4,935 |
| Pretax return on assets | 0.5599% | 4,817 |
| Return on Equity (ROE) | 5.2981% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.5471% | 2,937 |
| Net charge-offs to loans | 0.3879% | 2,883 |
| Credit loss provision to net charge-offs | 149.2000% | 3,535 |
| Earnings coverage of net charge-offs (x) | 4.6760% | 3,904 |
| Efficiency ratio | 78.9937% | 2,752 |
| Assets per employee ($millions) | 1.9533% | 7,950 |
| Cash dividends to net income (ytd only)* | 33.0490% | 3,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 4,768 |
| Loan loss allowance to noncurrent loans | 21.7515% | 7,151 |
| Noncurrent assets plus other real estate owned to assets | 3.0315% | 1,516 |
| Noncurrent loans to loans | 5.3823% | 776 |
| Net loans and leases to total assets | 54.2002% | 6,632 |
| Net loans and leases to deposits | 67.3161% | 6,524 |
| Net loans and leases to core deposits | 75.3038% | 6,897 |
| Total domestic deposits to total assets | 80.5160% | 4,834 |
| Equity capital to assets | 7.7860% | 7,113 |
| Core capital (leverage) ratio | 7.5817% | 7,098 |
| Tier 1 risk-based capital ratio | 12.8522% | 4,190 |
| Total risk-based capital ratio | 13.9807% | 4,186 |
| Memoranda: | ||
| Average total assets | $114,672,000 | 4,653 |
| Average earning assets | $101,900,600 | 4,753 |
| Average equity | $8,852,200 | 5,786 |
| Average total loans | $64,451,600 | 5,079 |