Home > County First Bank > Performance and Condition Ratios
County First Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 3,916 |
| Cost of funding earning assets | 0.1729% | 5,137 |
| Net interest margin | 3.6658% | 2,932 |
| Noninterest income to average assets | 0.3452% | 3,997 |
| Noninterest expense to average assets | 2.9564% | 2,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4001% | 4,690 |
| Return on assets (ROA) | 0.4001% | 4,709 |
| Pretax return on assets | 0.8507% | 4,091 |
| Return on Equity (ROE) | 3.5920% | 4,650 |
| Retained earnings to average equity (ytd only) | 2.4748% | 3,847 |
| Net charge-offs to loans | 0.7228% | 293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1.7819% | 3,854 |
| Efficiency ratio | 77.6555% | 1,400 |
| Assets per employee ($millions) | 5.3969% | 2,051 |
| Cash dividends to net income (ytd only)* | 31.1015% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,462 |
| Loan loss allowance to noncurrent loans | 243.6421% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 3,768 |
| Noncurrent loans to loans | 0.4425% | 3,197 |
| Net loans and leases to total assets | 62.8249% | 3,505 |
| Net loans and leases to deposits | 71.4844% | 3,742 |
| Net loans and leases to core deposits | 73.5854% | 3,909 |
| Total domestic deposits to total assets | 87.8862% | 1,559 |
| Equity capital to assets | 11.4745% | 2,220 |
| Core capital (leverage) ratio | 11.1942% | 2,159 |
| Tier 1 risk-based capital ratio | 17.3928% | 1,971 |
| Total risk-based capital ratio | 18.4448% | 1,985 |
| Memoranda: | ||
| Average total assets | $231,464,800 | 2,630 |
| Average earning assets | $218,588,400 | 2,593 |
| Average equity | $25,779,400 | 2,619 |
| Average total loans | $152,882,200 | 2,626 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 3,809 |
| Cost of funding earning assets | 0.1706% | 5,192 |
| Net interest margin | 3.6863% | 2,800 |
| Noninterest income to average assets | 0.2808% | 4,508 |
| Noninterest expense to average assets | 2.8687% | 2,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5782% | 4,464 |
| Return on assets (ROA) | 0.5782% | 4,505 |
| Pretax return on assets | 0.8911% | 4,069 |
| Return on Equity (ROE) | 5.2302% | 4,432 |
| Retained earnings to average equity (ytd only) | 3.7373% | 3,700 |
| Net charge-offs to loans | 0.0584% | 2,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 22.8687% | 1,841 |
| Efficiency ratio | 76.2993% | 1,545 |
| Assets per employee ($millions) | 5.2470% | 2,178 |
| Cash dividends to net income (ytd only)* | 28.5431% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 972 |
| Loan loss allowance to noncurrent loans | 139.9459% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 2,178 |
| Noncurrent loans to loans | 1.2391% | 1,537 |
| Net loans and leases to total assets | 62.1336% | 3,638 |
| Net loans and leases to deposits | 70.5107% | 3,918 |
| Net loans and leases to core deposits | 73.0410% | 4,055 |
| Total domestic deposits to total assets | 88.1194% | 1,304 |
| Equity capital to assets | 11.0492% | 2,820 |
| Core capital (leverage) ratio | 11.0576% | 2,403 |
| Tier 1 risk-based capital ratio | 16.5257% | 2,315 |
| Total risk-based capital ratio | 17.7806% | 2,270 |
| Memoranda: | ||
| Average total assets | $232,664,000 | 2,639 |
| Average earning assets | $219,584,500 | 2,603 |
| Average equity | $25,722,000 | 2,646 |
| Average total loans | $155,113,750 | 2,614 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 3,951 |
| Cost of funding earning assets | 0.1676% | 5,224 |
| Net interest margin | 3.6151% | 2,976 |
| Noninterest income to average assets | 0.2704% | 4,611 |
| Noninterest expense to average assets | 2.8275% | 2,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5537% | 4,503 |
| Return on assets (ROA) | 0.5537% | 4,548 |
| Pretax return on assets | 0.8527% | 4,089 |
| Return on Equity (ROE) | 5.0079% | 4,471 |
| Retained earnings to average equity (ytd only) | 3.8829% | 3,386 |
| Net charge-offs to loans | 0.0420% | 2,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 29.9091% | 1,466 |
| Efficiency ratio | 76.8310% | 1,604 |
| Assets per employee ($millions) | 5.4929% | 1,875 |
| Cash dividends to net income (ytd only)* | 22.4649% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 1,097 |
| Loan loss allowance to noncurrent loans | 86.0046% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2917% | 1,285 |
| Noncurrent loans to loans | 1.9556% | 870 |
| Net loans and leases to total assets | 64.9431% | 3,261 |
| Net loans and leases to deposits | 73.5437% | 3,593 |
| Net loans and leases to core deposits | 76.8025% | 3,699 |
| Total domestic deposits to total assets | 88.3055% | 1,302 |
| Equity capital to assets | 10.9498% | 2,861 |
| Core capital (leverage) ratio | 11.0181% | 2,386 |
| Tier 1 risk-based capital ratio | 15.5628% | 2,681 |
| Total risk-based capital ratio | 16.8168% | 2,610 |
| Memoranda: | ||
| Average total assets | $231,513,000 | 2,665 |
| Average earning assets | $218,362,670 | 2,624 |
| Average equity | $25,599,670 | 2,660 |
| Average total loans | $157,052,670 | 2,603 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7523% | 3,927 |
| Cost of funding earning assets | 0.1705% | 5,236 |
| Net interest margin | 3.5819% | 2,957 |
| Noninterest income to average assets | 0.2356% | 4,855 |
| Noninterest expense to average assets | 2.7490% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5463% | 4,397 |
| Return on assets (ROA) | 0.5463% | 4,439 |
| Pretax return on assets | 0.8605% | 3,893 |
| Return on Equity (ROE) | 4.9160% | 4,425 |
| Retained earnings to average equity (ytd only) | 4.9160% | 2,936 |
| Net charge-offs to loans | 0.0888% | 1,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 14.0857% | 1,745 |
| Efficiency ratio | 51.9826% | 5,267 |
| Assets per employee ($millions) | 5.3070% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 1,219 |
| Loan loss allowance to noncurrent loans | 85.0746% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.3199% | 1,286 |
| Noncurrent loans to loans | 1.9574% | 918 |
| Net loans and leases to total assets | 66.3055% | 2,930 |
| Net loans and leases to deposits | 75.1508% | 3,286 |
| Net loans and leases to core deposits | 78.5335% | 3,432 |
| Total domestic deposits to total assets | 88.2299% | 1,572 |
| Equity capital to assets | 10.9744% | 2,653 |
| Core capital (leverage) ratio | 11.2530% | 2,147 |
| Tier 1 risk-based capital ratio | 15.3125% | 2,830 |
| Total risk-based capital ratio | 16.5667% | 2,758 |
| Memoranda: | ||
| Average total assets | $229,171,500 | 2,712 |
| Average earning assets | $215,865,000 | 2,678 |
| Average equity | $25,468,000 | 2,684 |
| Average total loans | $157,570,500 | 2,611 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 3,938 |
| Cost of funding earning assets | 0.1820% | 5,190 |
| Net interest margin | 3.6089% | 3,043 |
| Noninterest income to average assets | 0.3281% | 4,391 |
| Noninterest expense to average assets | 2.9012% | 2,662 |
| Loan and lease loss provision to assets | 0.0929% | 2,502 |
| Net operating income to assets | 0.4860% | 4,688 |
| Return on assets (ROA) | 0.4860% | 4,765 |
| Pretax return on assets | 0.7270% | 4,401 |
| Return on Equity (ROE) | 4.4454% | 4,681 |
| Retained earnings to average equity (ytd only) | 3.4867% | 3,445 |
| Net charge-offs to loans | -0.2177% | 5,759 |
| Credit loss provision to net charge-offs | -66.0377% | 4,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9679% | 1,695 |
| Assets per employee ($millions) | 5.2287% | 2,139 |
| Cash dividends to net income (ytd only)* | 21.5651% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 1,173 |
| Loan loss allowance to noncurrent loans | 83.9229% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.5771% | 1,024 |
| Noncurrent loans to loans | 2.0077% | 897 |
| Net loans and leases to total assets | 68.9543% | 2,629 |
| Net loans and leases to deposits | 78.3986% | 3,056 |
| Net loans and leases to core deposits | 82.2104% | 3,195 |
| Total domestic deposits to total assets | 87.9534% | 1,651 |
| Equity capital to assets | 11.2571% | 2,366 |
| Core capital (leverage) ratio | 11.1687% | 2,197 |
| Tier 1 risk-based capital ratio | 15.0069% | 2,959 |
| Total risk-based capital ratio | 16.2609% | 2,897 |
| Memoranda: | ||
| Average total assets | $226,144,200 | 2,697 |
| Average earning assets | $212,613,000 | 2,675 |
| Average equity | $24,722,200 | 2,744 |
| Average total loans | $146,098,600 | 2,695 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 3,996 |
| Cost of funding earning assets | 0.1822% | 5,249 |
| Net interest margin | 3.5944% | 3,094 |
| Noninterest income to average assets | 0.3244% | 4,455 |
| Noninterest expense to average assets | 2.9972% | 2,326 |
| Loan and lease loss provision to assets | 0.1236% | 1,886 |
| Net operating income to assets | 0.3974% | 5,024 |
| Return on assets (ROA) | 0.3974% | 5,122 |
| Pretax return on assets | 0.5834% | 4,919 |
| Return on Equity (ROE) | 3.6621% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.1467% | 4,030 |
| Net charge-offs to loans | -0.2067% | 5,772 |
| Credit loss provision to net charge-offs | -94.5946% | 4,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9123% | 1,312 |
| Assets per employee ($millions) | 5.4056% | 1,945 |
| Cash dividends to net income (ytd only)* | 14.0736% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 1,270 |
| Loan loss allowance to noncurrent loans | 72.7970% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.7213% | 985 |
| Noncurrent loans to loans | 2.3030% | 800 |
| Net loans and leases to total assets | 66.1566% | 3,097 |
| Net loans and leases to deposits | 75.5580% | 3,447 |
| Net loans and leases to core deposits | 79.4812% | 3,500 |
| Total domestic deposits to total assets | 87.5574% | 1,635 |
| Equity capital to assets | 10.9636% | 3,051 |
| Core capital (leverage) ratio | 10.9825% | 2,463 |
| Tier 1 risk-based capital ratio | 15.0922% | 3,002 |
| Total risk-based capital ratio | 16.3461% | 2,939 |
| Memoranda: | ||
| Average total assets | $226,471,250 | 2,708 |
| Average earning assets | $212,958,000 | 2,677 |
| Average equity | $24,575,250 | 2,776 |
| Average total loans | $143,200,500 | 2,734 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 3,918 |
| Cost of funding earning assets | 0.1824% | 5,298 |
| Net interest margin | 3.6291% | 2,978 |
| Noninterest income to average assets | 0.3049% | 4,607 |
| Noninterest expense to average assets | 3.0563% | 2,187 |
| Loan and lease loss provision to assets | 0.0928% | 2,298 |
| Net operating income to assets | 0.3801% | 5,093 |
| Return on assets (ROA) | 0.3801% | 5,176 |
| Pretax return on assets | 0.5674% | 4,981 |
| Return on Equity (ROE) | 3.5145% | 5,096 |
| Retained earnings to average equity (ytd only) | 2.7380% | 4,164 |
| Net charge-offs to loans | -0.1986% | 5,809 |
| Credit loss provision to net charge-offs | -75.5396% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2354% | 1,245 |
| Assets per employee ($millions) | 4.8175% | 2,538 |
| Cash dividends to net income (ytd only)* | 22.0930% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 1,294 |
| Loan loss allowance to noncurrent loans | 76.2287% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.5471% | 1,218 |
| Noncurrent loans to loans | 2.2156% | 844 |
| Net loans and leases to total assets | 61.0048% | 3,751 |
| Net loans and leases to deposits | 69.6822% | 4,009 |
| Net loans and leases to core deposits | 73.3083% | 4,051 |
| Total domestic deposits to total assets | 87.5472% | 1,649 |
| Equity capital to assets | 10.8849% | 3,186 |
| Core capital (leverage) ratio | 10.8493% | 2,594 |
| Tier 1 risk-based capital ratio | 15.9793% | 2,653 |
| Total risk-based capital ratio | 17.2332% | 2,588 |
| Memoranda: | ||
| Average total assets | $226,283,670 | 2,725 |
| Average earning assets | $212,725,330 | 2,689 |
| Average equity | $24,470,000 | 2,795 |
| Average total loans | $140,014,330 | 2,789 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6812% | 4,381 |
| Cost of funding earning assets | 0.1842% | 5,337 |
| Net interest margin | 3.4970% | 3,489 |
| Noninterest income to average assets | 0.2794% | 4,714 |
| Noninterest expense to average assets | 3.0237% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3713% | 5,077 |
| Return on assets (ROA) | 0.3713% | 5,152 |
| Pretax return on assets | 0.5464% | 4,961 |
| Return on Equity (ROE) | 3.4452% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.4452% | 3,784 |
| Net charge-offs to loans | -0.0515% | 5,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6954% | 1,091 |
| Assets per employee ($millions) | 4.9131% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 1,807 |
| Loan loss allowance to noncurrent loans | 56.8290% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.8442% | 993 |
| Noncurrent loans to loans | 2.7181% | 648 |
| Net loans and leases to total assets | 60.5524% | 3,707 |
| Net loans and leases to deposits | 68.9721% | 3,958 |
| Net loans and leases to core deposits | 72.6544% | 4,011 |
| Total domestic deposits to total assets | 87.7925% | 1,755 |
| Equity capital to assets | 10.8349% | 3,126 |
| Core capital (leverage) ratio | 10.8492% | 2,571 |
| Tier 1 risk-based capital ratio | 15.9699% | 2,696 |
| Total risk-based capital ratio | 17.2221% | 2,638 |
| Memoranda: | ||
| Average total assets | $226,214,000 | 2,724 |
| Average earning assets | $212,865,500 | 2,694 |
| Average equity | $24,382,000 | 2,797 |
| Average total loans | $139,770,500 | 2,788 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7169% | 4,322 |
| Cost of funding earning assets | 0.2039% | 5,253 |
| Net interest margin | 3.5130% | 3,477 |
| Noninterest income to average assets | 0.5605% | 2,964 |
| Noninterest expense to average assets | 2.9482% | 2,708 |
| Loan and lease loss provision to assets | 0.1720% | 1,329 |
| Net operating income to assets | 0.5196% | 4,620 |
| Return on assets (ROA) | 0.5196% | 4,699 |
| Pretax return on assets | 0.7325% | 4,423 |
| Return on Equity (ROE) | 4.8087% | 4,597 |
| Retained earnings to average equity (ytd only) | 3.8487% | 3,298 |
| Net charge-offs to loans | 0.2639% | 1,141 |
| Credit loss provision to net charge-offs | 102.7174% | 2,440 |
| Earnings coverage of net charge-offs (x) | 5.4022% | 3,395 |
| Efficiency ratio | 76.5234% | 2,190 |
| Assets per employee ($millions) | 4.7172% | 2,709 |
| Cash dividends to net income (ytd only)* | 19.9650% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,936 |
| Loan loss allowance to noncurrent loans | 46.0125% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 2.2157% | 760 |
| Noncurrent loans to loans | 3.2922% | 455 |
| Net loans and leases to total assets | 61.1305% | 3,672 |
| Net loans and leases to deposits | 69.4884% | 3,972 |
| Net loans and leases to core deposits | 73.6306% | 3,976 |
| Total domestic deposits to total assets | 87.9723% | 1,645 |
| Equity capital to assets | 10.7218% | 3,104 |
| Core capital (leverage) ratio | 10.8675% | 2,534 |
| Tier 1 risk-based capital ratio | 15.6818% | 2,844 |
| Total risk-based capital ratio | 16.9337% | 2,775 |
| Memoranda: | ||
| Average total assets | $219,792,600 | 2,745 |
| Average earning assets | $205,978,400 | 2,709 |
| Average equity | $23,748,400 | 2,805 |
| Average total loans | $139,472,400 | 2,728 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 4,415 |
| Cost of funding earning assets | 0.2076% | 5,309 |
| Net interest margin | 3.4945% | 3,560 |
| Noninterest income to average assets | 0.7109% | 2,181 |
| Noninterest expense to average assets | 2.9700% | 2,610 |
| Loan and lease loss provision to assets | 0.2310% | 791 |
| Net operating income to assets | 0.5489% | 4,595 |
| Return on assets (ROA) | 0.5489% | 4,698 |
| Pretax return on assets | 0.7811% | 4,392 |
| Return on Equity (ROE) | 5.0698% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.5843% | 3,210 |
| Net charge-offs to loans | 0.2040% | 1,270 |
| Credit loss provision to net charge-offs | 177.4648% | 1,483 |
| Earnings coverage of net charge-offs (x) | 7.7747% | 2,882 |
| Efficiency ratio | 74.5817% | 2,458 |
| Assets per employee ($millions) | 4.7399% | 2,640 |
| Cash dividends to net income (ytd only)* | 9.5765% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 1,829 |
| Loan loss allowance to noncurrent loans | 55.5312% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.0685% | 967 |
| Noncurrent loans to loans | 2.8604% | 640 |
| Net loans and leases to total assets | 63.5200% | 3,376 |
| Net loans and leases to deposits | 72.1704% | 3,742 |
| Net loans and leases to core deposits | 76.5088% | 3,739 |
| Total domestic deposits to total assets | 88.0139% | 1,543 |
| Equity capital to assets | 10.8285% | 3,212 |
| Core capital (leverage) ratio | 10.7947% | 2,722 |
| Tier 1 risk-based capital ratio | 15.1563% | 3,212 |
| Total risk-based capital ratio | 16.4084% | 3,148 |
| Memoranda: | ||
| Average total assets | $218,134,000 | 2,784 |
| Average earning assets | $204,200,750 | 2,751 |
| Average equity | $23,616,250 | 2,841 |
| Average total loans | $139,204,250 | 2,751 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 4,440 |
| Cost of funding earning assets | 0.2094% | 5,362 |
| Net interest margin | 3.4792% | 3,588 |
| Noninterest income to average assets | 0.5005% | 3,375 |
| Noninterest expense to average assets | 3.0131% | 2,512 |
| Loan and lease loss provision to assets | 0.2290% | 818 |
| Net operating income to assets | 0.3740% | 5,220 |
| Return on assets (ROA) | 0.3740% | 5,335 |
| Pretax return on assets | 0.5106% | 5,195 |
| Return on Equity (ROE) | 3.4546% | 5,255 |
| Retained earnings to average equity (ytd only) | 2.7210% | 4,331 |
| Net charge-offs to loans | 0.3181% | 829 |
| Credit loss provision to net charge-offs | 113.2420% | 1,888 |
| Earnings coverage of net charge-offs (x) | 3.6575% | 3,160 |
| Efficiency ratio | 80.2904% | 1,719 |
| Assets per employee ($millions) | 4.6353% | 2,771 |
| Cash dividends to net income (ytd only)* | 21.2346% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 2,261 |
| Loan loss allowance to noncurrent loans | 51.5726% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 2.2989% | 876 |
| Noncurrent loans to loans | 2.9261% | 691 |
| Net loans and leases to total assets | 63.0102% | 3,411 |
| Net loans and leases to deposits | 71.3888% | 3,769 |
| Net loans and leases to core deposits | 75.7531% | 3,794 |
| Total domestic deposits to total assets | 88.2635% | 1,509 |
| Equity capital to assets | 10.6201% | 3,301 |
| Core capital (leverage) ratio | 10.7978% | 2,614 |
| Tier 1 risk-based capital ratio | 14.9261% | 3,400 |
| Total risk-based capital ratio | 16.1774% | 3,332 |
| Memoranda: | ||
| Average total assets | $216,587,330 | 2,817 |
| Average earning assets | $202,462,330 | 2,793 |
| Average equity | $23,447,330 | 2,873 |
| Average total loans | $137,675,670 | 2,779 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6697% | 4,471 |
| Cost of funding earning assets | 0.2067% | 5,450 |
| Net interest margin | 3.4631% | 3,568 |
| Noninterest income to average assets | 0.3258% | 4,579 |
| Noninterest expense to average assets | 2.9396% | 2,774 |
| Loan and lease loss provision to assets | 0.1966% | 946 |
| Net operating income to assets | 0.2940% | 5,441 |
| Return on assets (ROA) | 0.2940% | 5,538 |
| Pretax return on assets | 0.4213% | 5,387 |
| Return on Equity (ROE) | 2.6888% | 5,477 |
| Retained earnings to average equity (ytd only) | 2.6888% | 4,333 |
| Net charge-offs to loans | 0.5940% | 410 |
| Credit loss provision to net charge-offs | 52.2388% | 2,079 |
| Earnings coverage of net charge-offs (x) | 1.6418% | 2,888 |
| Efficiency ratio | 82.6316% | 1,543 |
| Assets per employee ($millions) | 4.4447% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 2,674 |
| Loan loss allowance to noncurrent loans | 54.4842% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 2.1553% | 1,067 |
| Noncurrent loans to loans | 2.6623% | 891 |
| Net loans and leases to total assets | 63.1086% | 3,221 |
| Net loans and leases to deposits | 71.7100% | 3,560 |
| Net loans and leases to core deposits | 76.2462% | 3,572 |
| Total domestic deposits to total assets | 88.0053% | 1,818 |
| Equity capital to assets | 10.7605% | 3,246 |
| Core capital (leverage) ratio | 11.1586% | 2,258 |
| Tier 1 risk-based capital ratio | 14.2230% | 3,863 |
| Total risk-based capital ratio | 15.4636% | 3,801 |
| Memoranda: | ||
| Average total assets | $213,634,000 | 2,868 |
| Average earning assets | $199,361,000 | 2,844 |
| Average equity | $23,356,500 | 2,894 |
| Average total loans | $135,342,500 | 2,821 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 4,538 |
| Cost of funding earning assets | 0.2435% | 5,391 |
| Net interest margin | 3.5403% | 3,637 |
| Noninterest income to average assets | 0.3384% | 4,689 |
| Noninterest expense to average assets | 2.9795% | 2,903 |
| Loan and lease loss provision to assets | 0.1927% | 1,329 |
| Net operating income to assets | 0.3271% | 5,449 |
| Return on assets (ROA) | 0.3271% | 5,519 |
| Pretax return on assets | 0.4662% | 5,337 |
| Return on Equity (ROE) | 3.0116% | 5,475 |
| Retained earnings to average equity (ytd only) | 0.2683% | 5,658 |
| Net charge-offs to loans | 0.2812% | 1,541 |
| Credit loss provision to net charge-offs | 110.2151% | 2,166 |
| Earnings coverage of net charge-offs (x) | 3.7688% | 3,813 |
| Efficiency ratio | 81.8910% | 1,677 |
| Assets per employee ($millions) | 4.1075% | 3,708 |
| Cash dividends to net income (ytd only)* | 91.0920% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 2,044 |
| Loan loss allowance to noncurrent loans | 60.3360% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.2709% | 1,056 |
| Noncurrent loans to loans | 2.6764% | 909 |
| Net loans and leases to total assets | 61.6288% | 3,552 |
| Net loans and leases to deposits | 70.0831% | 3,899 |
| Net loans and leases to core deposits | 74.7466% | 3,844 |
| Total domestic deposits to total assets | 87.9368% | 1,810 |
| Equity capital to assets | 11.1123% | 2,792 |
| Core capital (leverage) ratio | 10.8558% | 2,550 |
| Tier 1 risk-based capital ratio | 14.7307% | 3,642 |
| Total risk-based capital ratio | 15.9817% | 3,569 |
| Memoranda: | ||
| Average total assets | $212,790,600 | 2,855 |
| Average earning assets | $198,343,200 | 2,824 |
| Average equity | $23,110,400 | 2,836 |
| Average total loans | $132,278,000 | 2,825 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7047% | 4,843 |
| Cost of funding earning assets | 0.2517% | 5,386 |
| Net interest margin | 3.4530% | 4,009 |
| Noninterest income to average assets | 0.3364% | 4,749 |
| Noninterest expense to average assets | 2.8786% | 3,200 |
| Loan and lease loss provision to assets | 0.1404% | 1,781 |
| Net operating income to assets | 0.3664% | 5,378 |
| Return on assets (ROA) | 0.3664% | 5,451 |
| Pretax return on assets | 0.5368% | 5,215 |
| Return on Equity (ROE) | 3.3927% | 5,396 |
| Retained earnings to average equity (ytd only) | 1.3467% | 5,359 |
| Net charge-offs to loans | 0.3471% | 1,158 |
| Credit loss provision to net charge-offs | 65.2174% | 2,846 |
| Earnings coverage of net charge-offs (x) | 3.1449% | 3,725 |
| Efficiency ratio | 80.9549% | 1,771 |
| Assets per employee ($millions) | 4.3671% | 3,183 |
| Cash dividends to net income (ytd only)* | 60.3067% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 2,906 |
| Loan loss allowance to noncurrent loans | 35.6675% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 3.1534% | 725 |
| Noncurrent loans to loans | 4.0878% | 503 |
| Net loans and leases to total assets | 61.9364% | 3,492 |
| Net loans and leases to deposits | 70.2417% | 3,896 |
| Net loans and leases to core deposits | 74.8015% | 3,867 |
| Total domestic deposits to total assets | 88.1760% | 1,674 |
| Equity capital to assets | 10.8697% | 3,102 |
| Core capital (leverage) ratio | 10.7827% | 2,713 |
| Tier 1 risk-based capital ratio | 14.1711% | 4,097 |
| Total risk-based capital ratio | 15.3823% | 4,058 |
| Memoranda: | ||
| Average total assets | $213,618,250 | 2,867 |
| Average earning assets | $199,166,000 | 2,839 |
| Average equity | $23,068,500 | 2,848 |
| Average total loans | $132,542,750 | 2,825 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 5,065 |
| Cost of funding earning assets | 0.2649% | 5,335 |
| Net interest margin | 3.3664% | 4,334 |
| Noninterest income to average assets | 0.3316% | 4,766 |
| Noninterest expense to average assets | 2.8516% | 3,330 |
| Loan and lease loss provision to assets | 0.1405% | 1,762 |
| Net operating income to assets | 0.3344% | 5,453 |
| Return on assets (ROA) | 0.3344% | 5,521 |
| Pretax return on assets | 0.4824% | 5,324 |
| Return on Equity (ROE) | 3.1037% | 5,491 |
| Retained earnings to average equity (ytd only) | 0.0261% | 5,670 |
| Net charge-offs to loans | 0.1532% | 2,166 |
| Credit loss provision to net charge-offs | 148.5149% | 1,466 |
| Earnings coverage of net charge-offs (x) | 6.5842% | 2,748 |
| Efficiency ratio | 82.0706% | 1,733 |
| Assets per employee ($millions) | 4.1952% | 3,466 |
| Cash dividends to net income (ytd only)* | 99.1597% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 2,542 |
| Loan loss allowance to noncurrent loans | 32.4087% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 3.5003% | 668 |
| Noncurrent loans to loans | 4.8732% | 421 |
| Net loans and leases to total assets | 59.0744% | 3,852 |
| Net loans and leases to deposits | 66.7461% | 4,196 |
| Net loans and leases to core deposits | 70.9214% | 4,158 |
| Total domestic deposits to total assets | 88.5062% | 1,635 |
| Equity capital to assets | 10.5564% | 3,371 |
| Core capital (leverage) ratio | 10.8049% | 2,616 |
| Tier 1 risk-based capital ratio | 14.4357% | 3,969 |
| Total risk-based capital ratio | 15.6869% | 3,910 |
| Memoranda: | ||
| Average total assets | $213,494,670 | 2,880 |
| Average earning assets | $199,324,670 | 2,841 |
| Average equity | $23,004,670 | 2,846 |
| Average total loans | $131,891,000 | 2,838 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 4,901 |
| Cost of funding earning assets | 0.2860% | 5,210 |
| Net interest margin | 3.3981% | 4,123 |
| Noninterest income to average assets | 0.3315% | 4,722 |
| Noninterest expense to average assets | 2.8130% | 3,516 |
| Loan and lease loss provision to assets | 0.1421% | 1,714 |
| Net operating income to assets | 0.3732% | 5,216 |
| Return on assets (ROA) | 0.3732% | 5,285 |
| Pretax return on assets | 0.5493% | 5,008 |
| Return on Equity (ROE) | 3.4272% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.4272% | 4,078 |
| Net charge-offs to loans | -0.1451% | 6,271 |
| Credit loss provision to net charge-offs | -156.2500% | 4,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2703% | 2,167 |
| Assets per employee ($millions) | 3.9706% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 2,541 |
| Loan loss allowance to noncurrent loans | 38.9101% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 3.1528% | 867 |
| Noncurrent loans to loans | 4.2209% | 613 |
| Net loans and leases to total assets | 59.8298% | 3,588 |
| Net loans and leases to deposits | 67.8351% | 3,872 |
| Net loans and leases to core deposits | 72.3594% | 3,836 |
| Total domestic deposits to total assets | 88.1988% | 2,111 |
| Equity capital to assets | 10.7696% | 2,962 |
| Core capital (leverage) ratio | 11.0331% | 2,353 |
| Tier 1 risk-based capital ratio | 14.6569% | 3,917 |
| Total risk-based capital ratio | 15.9086% | 3,870 |
| Memoranda: | ||
| Average total assets | $211,166,000 | 2,910 |
| Average earning assets | $197,170,500 | 2,878 |
| Average equity | $22,992,500 | 2,847 |
| Average total loans | $132,366,500 | 2,844 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 4,225 |
| Cost of funding earning assets | 0.3560% | 5,082 |
| Net interest margin | 3.6077% | 3,436 |
| Noninterest income to average assets | 0.3697% | 4,664 |
| Noninterest expense to average assets | 2.9252% | 3,293 |
| Loan and lease loss provision to assets | 0.1716% | 2,141 |
| Net operating income to assets | 0.4207% | 5,076 |
| Return on assets (ROA) | 0.4207% | 5,184 |
| Pretax return on assets | 0.6413% | 4,734 |
| Return on Equity (ROE) | 3.7655% | 5,207 |
| Retained earnings to average equity (ytd only) | 0.4784% | 5,629 |
| Net charge-offs to loans | 0.3418% | 1,968 |
| Credit loss provision to net charge-offs | 73.0689% | 3,223 |
| Earnings coverage of net charge-offs (x) | 3.4614% | 3,846 |
| Efficiency ratio | 78.2529% | 2,430 |
| Assets per employee ($millions) | 3.8504% | 4,157 |
| Cash dividends to net income (ytd only)* | 87.2960% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 3,170 |
| Loan loss allowance to noncurrent loans | 33.8758% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 3.4701% | 843 |
| Noncurrent loans to loans | 4.4375% | 606 |
| Net loans and leases to total assets | 63.6253% | 3,112 |
| Net loans and leases to deposits | 72.3242% | 3,483 |
| Net loans and leases to core deposits | 77.3632% | 3,441 |
| Total domestic deposits to total assets | 87.9724% | 2,192 |
| Equity capital to assets | 11.0109% | 2,603 |
| Core capital (leverage) ratio | 11.0420% | 2,351 |
| Tier 1 risk-based capital ratio | 14.7206% | 3,826 |
| Total risk-based capital ratio | 15.9712% | 3,770 |
| Memoranda: | ||
| Average total assets | $203,954,200 | 2,989 |
| Average earning assets | $190,426,000 | 2,950 |
| Average equity | $22,786,000 | 2,848 |
| Average total loans | $140,151,000 | 2,693 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 3,875 |
| Cost of funding earning assets | 0.3724% | 5,077 |
| Net interest margin | 3.6946% | 3,049 |
| Noninterest income to average assets | 0.3324% | 5,031 |
| Noninterest expense to average assets | 2.8911% | 3,332 |
| Loan and lease loss provision to assets | 0.1478% | 2,431 |
| Net operating income to assets | 0.4802% | 4,886 |
| Return on assets (ROA) | 0.4802% | 5,044 |
| Pretax return on assets | 0.7417% | 4,521 |
| Return on Equity (ROE) | 4.2824% | 5,080 |
| Retained earnings to average equity (ytd only) | 2.0973% | 5,067 |
| Net charge-offs to loans | 0.2448% | 2,346 |
| Credit loss provision to net charge-offs | 86.5385% | 2,701 |
| Earnings coverage of net charge-offs (x) | 5.2077% | 3,254 |
| Efficiency ratio | 76.4726% | 2,656 |
| Assets per employee ($millions) | 3.8785% | 4,074 |
| Cash dividends to net income (ytd only)* | 51.0260% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,337 |
| Loan loss allowance to noncurrent loans | 52.4566% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 2.5640% | 1,486 |
| Noncurrent loans to loans | 2.9167% | 1,398 |
| Net loans and leases to total assets | 64.9628% | 2,809 |
| Net loans and leases to deposits | 73.7454% | 3,274 |
| Net loans and leases to core deposits | 78.8632% | 3,245 |
| Total domestic deposits to total assets | 88.0906% | 2,072 |
| Equity capital to assets | 10.9807% | 2,773 |
| Core capital (leverage) ratio | 11.0928% | 2,391 |
| Tier 1 risk-based capital ratio | 14.5003% | 4,072 |
| Total risk-based capital ratio | 15.7518% | 4,024 |
| Memoranda: | ||
| Average total assets | $202,962,250 | 3,025 |
| Average earning assets | $189,423,500 | 2,982 |
| Average equity | $22,759,000 | 2,876 |
| Average total loans | $141,611,250 | 2,690 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1519% | 3,532 |
| Cost of funding earning assets | 0.3814% | 5,119 |
| Net interest margin | 3.7705% | 2,672 |
| Noninterest income to average assets | 0.3237% | 5,121 |
| Noninterest expense to average assets | 2.9043% | 3,315 |
| Loan and lease loss provision to assets | 0.1494% | 2,464 |
| Net operating income to assets | 0.5080% | 4,772 |
| Return on assets (ROA) | 0.5080% | 4,933 |
| Pretax return on assets | 0.7848% | 4,368 |
| Return on Equity (ROE) | 4.4975% | 5,003 |
| Retained earnings to average equity (ytd only) | 1.2081% | 5,418 |
| Net charge-offs to loans | 0.3376% | 1,839 |
| Credit loss provision to net charge-offs | 62.2407% | 2,977 |
| Earnings coverage of net charge-offs (x) | 3.8921% | 3,274 |
| Efficiency ratio | 75.6617% | 2,836 |
| Assets per employee ($millions) | 3.9341% | 3,949 |
| Cash dividends to net income (ytd only)* | 73.1373% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 3,832 |
| Loan loss allowance to noncurrent loans | 36.4071% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 3.3837% | 1,150 |
| Noncurrent loans to loans | 3.9679% | 985 |
| Net loans and leases to total assets | 68.6001% | 2,127 |
| Net loans and leases to deposits | 78.1085% | 2,559 |
| Net loans and leases to core deposits | 83.6863% | 2,600 |
| Total domestic deposits to total assets | 87.8267% | 2,369 |
| Equity capital to assets | 11.1331% | 2,626 |
| Core capital (leverage) ratio | 11.2916% | 2,097 |
| Tier 1 risk-based capital ratio | 14.0127% | 4,419 |
| Total risk-based capital ratio | 15.2635% | 4,380 |
| Memoranda: | ||
| Average total assets | $200,803,000 | 3,063 |
| Average earning assets | $187,189,330 | 3,029 |
| Average equity | $22,679,330 | 2,905 |
| Average total loans | $142,757,670 | 2,675 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 3,125 |
| Cost of funding earning assets | 0.3934% | 5,174 |
| Net interest margin | 3.8539% | 2,266 |
| Noninterest income to average assets | 0.3439% | 4,941 |
| Noninterest expense to average assets | 2.9318% | 3,222 |
| Loan and lease loss provision to assets | 0.1508% | 2,357 |
| Net operating income to assets | 0.5449% | 4,472 |
| Return on assets (ROA) | 0.5449% | 4,625 |
| Pretax return on assets | 0.8466% | 3,965 |
| Return on Equity (ROE) | 4.7898% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.7898% | 3,365 |
| Net charge-offs to loans | 0.6968% | 882 |
| Credit loss provision to net charge-offs | 30.1205% | 2,886 |
| Earnings coverage of net charge-offs (x) | 1.9920% | 3,172 |
| Efficiency ratio | 74.6162% | 3,151 |
| Assets per employee ($millions) | 3.6208% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 4,302 |
| Loan loss allowance to noncurrent loans | 47.3154% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 2.9642% | 1,517 |
| Noncurrent loans to loans | 2.9320% | 1,712 |
| Net loans and leases to total assets | 70.4599% | 1,585 |
| Net loans and leases to deposits | 80.6184% | 2,003 |
| Net loans and leases to core deposits | 86.8090% | 2,034 |
| Total domestic deposits to total assets | 87.3992% | 2,691 |
| Equity capital to assets | 11.4328% | 2,478 |
| Core capital (leverage) ratio | 11.5288% | 1,863 |
| Tier 1 risk-based capital ratio | 13.9746% | 4,524 |
| Total risk-based capital ratio | 15.2237% | 4,487 |
| Memoranda: | ||
| Average total assets | $198,919,000 | 3,110 |
| Average earning assets | $185,059,500 | 3,081 |
| Average equity | $22,631,500 | 2,968 |
| Average total loans | $142,940,000 | 2,679 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 3,819 |
| Cost of funding earning assets | 0.5243% | 5,031 |
| Net interest margin | 3.8735% | 2,930 |
| Noninterest income to average assets | 0.3938% | 4,654 |
| Noninterest expense to average assets | 3.0267% | 3,176 |
| Loan and lease loss provision to assets | 0.2015% | 3,123 |
| Net operating income to assets | 0.4987% | 4,701 |
| Return on assets (ROA) | 0.4987% | 4,945 |
| Pretax return on assets | 0.7695% | 4,410 |
| Return on Equity (ROE) | 4.3580% | 4,995 |
| Retained earnings to average equity (ytd only) | 0.6639% | 5,530 |
| Net charge-offs to loans | 0.0484% | 5,239 |
| Credit loss provision to net charge-offs | 573.5294% | 431 |
| Earnings coverage of net charge-offs (x) | 27.6324% | 1,065 |
| Efficiency ratio | 75.7110% | 2,797 |
| Assets per employee ($millions) | 3.3677% | 5,295 |
| Cash dividends to net income (ytd only)* | 84.7668% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 3,758 |
| Loan loss allowance to noncurrent loans | 50.5293% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 3.0107% | 1,577 |
| Noncurrent loans to loans | 2.9606% | 1,765 |
| Net loans and leases to total assets | 71.1856% | 1,621 |
| Net loans and leases to deposits | 81.2621% | 2,116 |
| Net loans and leases to core deposits | 87.4906% | 2,146 |
| Total domestic deposits to total assets | 87.5999% | 2,476 |
| Equity capital to assets | 11.3215% | 2,609 |
| Core capital (leverage) ratio | 11.3508% | 1,980 |
| Tier 1 risk-based capital ratio | 13.6297% | 4,653 |
| Total risk-based capital ratio | 14.8809% | 4,598 |
| Memoranda: | ||
| Average total assets | $193,514,000 | 3,129 |
| Average earning assets | $180,045,200 | 3,089 |
| Average equity | $22,143,000 | 2,954 |
| Average total loans | $140,633,200 | 2,708 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 3,957 |
| Cost of funding earning assets | 0.5456% | 5,124 |
| Net interest margin | 3.8763% | 3,001 |
| Noninterest income to average assets | 0.3739% | 4,837 |
| Noninterest expense to average assets | 2.9757% | 3,321 |
| Loan and lease loss provision to assets | 0.2525% | 2,550 |
| Net operating income to assets | 0.4855% | 4,899 |
| Return on assets (ROA) | 0.4855% | 5,162 |
| Pretax return on assets | 0.7533% | 4,666 |
| Return on Equity (ROE) | 4.2317% | 5,180 |
| Retained earnings to average equity (ytd only) | -0.7073% | 6,216 |
| Net charge-offs to loans | 0.0076% | 5,621 |
| Credit loss provision to net charge-offs | 4,550.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 181.1893% | 252 |
| Efficiency ratio | 74.7387% | 2,871 |
| Assets per employee ($millions) | 3.3248% | 5,383 |
| Cash dividends to net income (ytd only)* | 116.7147% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 3,715 |
| Loan loss allowance to noncurrent loans | 51.0051% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 3.1143% | 1,665 |
| Noncurrent loans to loans | 3.0472% | 1,828 |
| Net loans and leases to total assets | 70.4579% | 1,819 |
| Net loans and leases to deposits | 80.4188% | 2,327 |
| Net loans and leases to core deposits | 87.5512% | 2,268 |
| Total domestic deposits to total assets | 87.6137% | 2,286 |
| Equity capital to assets | 11.2530% | 2,972 |
| Core capital (leverage) ratio | 11.1363% | 2,267 |
| Tier 1 risk-based capital ratio | 13.4973% | 4,879 |
| Total risk-based capital ratio | 14.7489% | 4,834 |
| Memoranda: | ||
| Average total assets | $192,219,500 | 3,183 |
| Average earning assets | $178,896,000 | 3,145 |
| Average equity | $22,055,000 | 2,987 |
| Average total loans | $139,894,500 | 2,752 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 3,935 |
| Cost of funding earning assets | 0.5738% | 5,128 |
| Net interest margin | 3.8881% | 2,959 |
| Noninterest income to average assets | 0.3730% | 4,853 |
| Noninterest expense to average assets | 2.9690% | 3,376 |
| Loan and lease loss provision to assets | 0.2640% | 2,468 |
| Net operating income to assets | 0.4892% | 4,866 |
| Return on assets (ROA) | 0.4892% | 5,119 |
| Pretax return on assets | 0.7606% | 4,604 |
| Return on Equity (ROE) | 4.2361% | 5,162 |
| Retained earnings to average equity (ytd only) | 0.5443% | 5,846 |
| Net charge-offs to loans | 0.0215% | 5,098 |
| Credit loss provision to net charge-offs | 1,680.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 65.2000% | 598 |
| Efficiency ratio | 74.3442% | 3,019 |
| Assets per employee ($millions) | 3.4941% | 4,998 |
| Cash dividends to net income (ytd only)* | 87.1520% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 4,063 |
| Loan loss allowance to noncurrent loans | 47.8210% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 3.1415% | 1,734 |
| Noncurrent loans to loans | 3.1121% | 1,884 |
| Net loans and leases to total assets | 69.7908% | 1,956 |
| Net loans and leases to deposits | 79.8311% | 2,407 |
| Net loans and leases to core deposits | 87.2515% | 2,286 |
| Total domestic deposits to total assets | 87.4231% | 2,522 |
| Equity capital to assets | 11.3702% | 2,718 |
| Core capital (leverage) ratio | 11.5905% | 1,838 |
| Tier 1 risk-based capital ratio | 13.7047% | 4,661 |
| Total risk-based capital ratio | 14.9552% | 4,635 |
| Memoranda: | ||
| Average total assets | $190,905,670 | 3,204 |
| Average earning assets | $177,775,000 | 3,167 |
| Average equity | $22,048,670 | 2,981 |
| Average total loans | $139,728,330 | 2,768 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 3,908 |
| Cost of funding earning assets | 0.6008% | 5,117 |
| Net interest margin | 3.9005% | 2,917 |
| Noninterest income to average assets | 0.3883% | 4,757 |
| Noninterest expense to average assets | 2.9726% | 3,372 |
| Loan and lease loss provision to assets | 0.2673% | 2,323 |
| Net operating income to assets | 0.5029% | 4,816 |
| Return on assets (ROA) | 0.5029% | 5,026 |
| Pretax return on assets | 0.7850% | 4,474 |
| Return on Equity (ROE) | 4.3191% | 5,131 |
| Retained earnings to average equity (ytd only) | -3.0981% | 6,412 |
| Net charge-offs to loans | -0.0143% | 6,062 |
| Credit loss provision to net charge-offs | -2,520.0000% | 6,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8535% | 3,119 |
| Assets per employee ($millions) | 3.3813% | 5,384 |
| Cash dividends to net income (ytd only)* | 171.7300% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 4,652 |
| Loan loss allowance to noncurrent loans | 41.1827% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 2.8801% | 2,022 |
| Noncurrent loans to loans | 3.3762% | 1,874 |
| Net loans and leases to total assets | 72.0134% | 1,397 |
| Net loans and leases to deposits | 82.7964% | 1,818 |
| Net loans and leases to core deposits | 89.7182% | 1,879 |
| Total domestic deposits to total assets | 86.9764% | 2,966 |
| Equity capital to assets | 11.3446% | 2,581 |
| Core capital (leverage) ratio | 11.8608% | 1,669 |
| Tier 1 risk-based capital ratio | 13.4053% | 4,894 |
| Total risk-based capital ratio | 14.6431% | 4,896 |
| Memoranda: | ||
| Average total assets | $188,524,000 | 3,251 |
| Average earning assets | $175,773,000 | 3,217 |
| Average equity | $21,949,000 | 2,983 |
| Average total loans | $140,281,500 | 2,782 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 3,300 |
| Cost of funding earning assets | 0.7089% | 5,484 |
| Net interest margin | 4.2027% | 2,048 |
| Noninterest income to average assets | 0.4642% | 4,098 |
| Noninterest expense to average assets | 3.1268% | 3,106 |
| Loan and lease loss provision to assets | 0.2824% | 3,411 |
| Net operating income to assets | 0.5933% | 4,035 |
| Return on assets (ROA) | 0.5933% | 4,211 |
| Pretax return on assets | 0.9198% | 3,547 |
| Return on Equity (ROE) | 5.1048% | 4,341 |
| Retained earnings to average equity (ytd only) | 1.3838% | 5,199 |
| Net charge-offs to loans | 0.1068% | 5,291 |
| Credit loss provision to net charge-offs | 343.1373% | 670 |
| Earnings coverage of net charge-offs (x) | 14.6078% | 1,444 |
| Efficiency ratio | 72.2291% | 3,522 |
| Assets per employee ($millions) | 3.3511% | 5,371 |
| Cash dividends to net income (ytd only)* | 72.8921% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 4,871 |
| Loan loss allowance to noncurrent loans | 46.6888% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 2.5565% | 2,373 |
| Noncurrent loans to loans | 2.7973% | 2,346 |
| Net loans and leases to total assets | 74.8645% | 1,111 |
| Net loans and leases to deposits | 86.3896% | 1,628 |
| Net loans and leases to core deposits | 94.9819% | 1,587 |
| Total domestic deposits to total assets | 86.6591% | 2,942 |
| Equity capital to assets | 11.9541% | 2,162 |
| Core capital (leverage) ratio | 12.0287% | 1,574 |
| Tier 1 risk-based capital ratio | 13.4155% | 4,758 |
| Total risk-based capital ratio | 14.5645% | 4,807 |
| Memoranda: | ||
| Average total assets | $185,911,400 | 3,248 |
| Average earning assets | $170,963,000 | 3,228 |
| Average equity | $21,607,200 | 2,931 |
| Average total loans | $143,274,400 | 2,734 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 3,404 |
| Cost of funding earning assets | 0.7314% | 5,585 |
| Net interest margin | 4.2032% | 2,085 |
| Noninterest income to average assets | 0.4652% | 4,168 |
| Noninterest expense to average assets | 3.1073% | 3,133 |
| Loan and lease loss provision to assets | 0.3220% | 2,961 |
| Net operating income to assets | 0.5668% | 4,237 |
| Return on assets (ROA) | 0.5668% | 4,407 |
| Pretax return on assets | 0.8895% | 3,808 |
| Return on Equity (ROE) | 4.9113% | 4,567 |
| Retained earnings to average equity (ytd only) | -0.0744% | 5,976 |
| Net charge-offs to loans | 0.0379% | 5,618 |
| Credit loss provision to net charge-offs | 1,097.5610% | 247 |
| Earnings coverage of net charge-offs (x) | 41.2892% | 755 |
| Efficiency ratio | 71.9470% | 3,561 |
| Assets per employee ($millions) | 3.3519% | 5,360 |
| Cash dividends to net income (ytd only)* | 101.5152% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 4,962 |
| Loan loss allowance to noncurrent loans | 40.8105% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 2.9679% | 2,165 |
| Noncurrent loans to loans | 3.2124% | 2,165 |
| Net loans and leases to total assets | 77.4806% | 771 |
| Net loans and leases to deposits | 89.2296% | 1,295 |
| Net loans and leases to core deposits | 98.1159% | 1,419 |
| Total domestic deposits to total assets | 86.8329% | 2,756 |
| Equity capital to assets | 11.9147% | 2,318 |
| Core capital (leverage) ratio | 11.4848% | 2,035 |
| Tier 1 risk-based capital ratio | 12.9565% | 5,133 |
| Total risk-based capital ratio | 14.1130% | 5,173 |
| Memoranda: | ||
| Average total assets | $186,311,000 | 3,257 |
| Average earning assets | $170,816,000 | 3,239 |
| Average equity | $21,500,750 | 2,947 |
| Average total loans | $144,140,250 | 2,746 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 3,712 |
| Cost of funding earning assets | 0.7403% | 5,736 |
| Net interest margin | 4.1392% | 2,268 |
| Noninterest income to average assets | 0.4594% | 4,202 |
| Noninterest expense to average assets | 3.0668% | 3,373 |
| Loan and lease loss provision to assets | 0.3190% | 2,877 |
| Net operating income to assets | 0.5647% | 4,241 |
| Return on assets (ROA) | 0.5647% | 4,366 |
| Pretax return on assets | 0.8730% | 3,746 |
| Return on Equity (ROE) | 4.9444% | 4,478 |
| Retained earnings to average equity (ytd only) | 1.2105% | 5,370 |
| Net charge-offs to loans | 0.0635% | 5,007 |
| Credit loss provision to net charge-offs | 652.1739% | 482 |
| Earnings coverage of net charge-offs (x) | 24.3696% | 1,064 |
| Efficiency ratio | 72.0100% | 3,730 |
| Assets per employee ($millions) | 3.4705% | 5,014 |
| Cash dividends to net income (ytd only)* | 75.5179% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 5,653 |
| Loan loss allowance to noncurrent loans | 37.2357% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 2.7785% | 2,410 |
| Noncurrent loans to loans | 3.1537% | 2,278 |
| Net loans and leases to total assets | 73.9614% | 1,424 |
| Net loans and leases to deposits | 86.7823% | 1,681 |
| Net loans and leases to core deposits | 95.0486% | 1,787 |
| Total domestic deposits to total assets | 85.2263% | 3,772 |
| Equity capital to assets | 11.1682% | 2,795 |
| Core capital (leverage) ratio | 11.4855% | 1,917 |
| Tier 1 risk-based capital ratio | 12.5911% | 5,259 |
| Total risk-based capital ratio | 13.6179% | 5,441 |
| Memoranda: | ||
| Average total assets | $188,080,000 | 3,253 |
| Average earning assets | $172,640,330 | 3,231 |
| Average equity | $21,479,000 | 2,930 |
| Average total loans | $144,818,330 | 2,763 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0725% | 2,766 |
| Cost of funding earning assets | 0.7686% | 5,760 |
| Net interest margin | 4.3039% | 1,557 |
| Noninterest income to average assets | 0.4412% | 4,351 |
| Noninterest expense to average assets | 3.0647% | 3,407 |
| Loan and lease loss provision to assets | 0.3244% | 2,600 |
| Net operating income to assets | 0.6380% | 3,814 |
| Return on assets (ROA) | 0.6380% | 3,886 |
| Pretax return on assets | 0.9884% | 3,167 |
| Return on Equity (ROE) | 5.5228% | 4,151 |
| Retained earnings to average equity (ytd only) | -1.9845% | 6,140 |
| Net charge-offs to loans | 0.1522% | 3,577 |
| Credit loss provision to net charge-offs | 272.7273% | 1,154 |
| Earnings coverage of net charge-offs (x) | 11.0364% | 1,586 |
| Efficiency ratio | 70.0099% | 4,270 |
| Assets per employee ($millions) | 3.3449% | 5,377 |
| Cash dividends to net income (ytd only)* | 135.9322% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 6,153 |
| Loan loss allowance to noncurrent loans | 35.8482% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 2.7441% | 2,520 |
| Noncurrent loans to loans | 2.9883% | 2,514 |
| Net loans and leases to total assets | 76.3695% | 984 |
| Net loans and leases to deposits | 89.5450% | 1,287 |
| Net loans and leases to core deposits | 98.2318% | 1,503 |
| Total domestic deposits to total assets | 85.2861% | 3,895 |
| Equity capital to assets | 11.3793% | 2,360 |
| Core capital (leverage) ratio | 11.4668% | 1,867 |
| Tier 1 risk-based capital ratio | 12.7487% | 5,014 |
| Total risk-based capital ratio | 13.7123% | 5,274 |
| Memoranda: | ||
| Average total assets | $184,947,000 | 3,322 |
| Average earning assets | $169,148,000 | 3,311 |
| Average equity | $21,366,000 | 2,931 |
| Average total loans | $144,503,000 | 2,795 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2821% | 3,212 |
| Cost of funding earning assets | 0.8691% | 6,301 |
| Net interest margin | 4.4130% | 1,435 |
| Noninterest income to average assets | 0.4124% | 4,806 |
| Noninterest expense to average assets | 3.0818% | 3,537 |
| Loan and lease loss provision to assets | 0.3265% | 4,199 |
| Net operating income to assets | 0.6834% | 3,288 |
| Return on assets (ROA) | 0.6834% | 3,421 |
| Pretax return on assets | 1.0572% | 2,747 |
| Return on Equity (ROE) | 6.0109% | 3,600 |
| Retained earnings to average equity (ytd only) | 2.4120% | 4,183 |
| Net charge-offs to loans | 0.1382% | 5,538 |
| Credit loss provision to net charge-offs | 292.6829% | 922 |
| Earnings coverage of net charge-offs (x) | 12.4049% | 1,508 |
| Efficiency ratio | 69.0143% | 4,375 |
| Assets per employee ($millions) | 3.2604% | 5,515 |
| Cash dividends to net income (ytd only)* | 59.8726% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 6,358 |
| Loan loss allowance to noncurrent loans | 41.9504% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 2.3502% | 2,920 |
| Noncurrent loans to loans | 2.4002% | 3,118 |
| Net loans and leases to total assets | 78.2957% | 899 |
| Net loans and leases to deposits | 92.1415% | 1,257 |
| Net loans and leases to core deposits | 101.9360% | 1,461 |
| Total domestic deposits to total assets | 84.9732% | 3,860 |
| Equity capital to assets | 11.7301% | 2,100 |
| Core capital (leverage) ratio | 11.4680% | 1,849 |
| Tier 1 risk-based capital ratio | 12.8298% | 4,744 |
| Total risk-based capital ratio | 13.7379% | 5,019 |
| Memoranda: | ||
| Average total assets | $183,788,600 | 3,316 |
| Average earning assets | $168,795,000 | 3,303 |
| Average equity | $20,895,200 | 3,021 |
| Average total loans | $148,337,000 | 2,805 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 3,307 |
| Cost of funding earning assets | 0.8835% | 6,457 |
| Net interest margin | 4.4259% | 1,443 |
| Noninterest income to average assets | 0.4027% | 4,938 |
| Noninterest expense to average assets | 3.1013% | 3,329 |
| Loan and lease loss provision to assets | 0.3259% | 3,980 |
| Net operating income to assets | 0.6692% | 3,547 |
| Return on assets (ROA) | 0.6692% | 3,709 |
| Pretax return on assets | 1.0393% | 3,031 |
| Return on Equity (ROE) | 5.9330% | 3,848 |
| Retained earnings to average equity (ytd only) | 1.1044% | 5,373 |
| Net charge-offs to loans | 0.1063% | 5,481 |
| Credit loss provision to net charge-offs | 378.1513% | 827 |
| Earnings coverage of net charge-offs (x) | 15.8406% | 1,416 |
| Efficiency ratio | 69.4341% | 4,184 |
| Assets per employee ($millions) | 3.3525% | 5,318 |
| Cash dividends to net income (ytd only)* | 81.3851% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 6,609 |
| Loan loss allowance to noncurrent loans | 120.2422% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 5,411 |
| Noncurrent loans to loans | 0.7822% | 5,649 |
| Net loans and leases to total assets | 79.4012% | 839 |
| Net loans and leases to deposits | 93.0519% | 1,325 |
| Net loans and leases to core deposits | 101.9597% | 1,658 |
| Total domestic deposits to total assets | 85.3299% | 3,446 |
| Equity capital to assets | 11.3521% | 2,660 |
| Core capital (leverage) ratio | 11.1442% | 2,167 |
| Tier 1 risk-based capital ratio | 12.2290% | 5,239 |
| Total risk-based capital ratio | 13.0767% | 5,597 |
| Memoranda: | ||
| Average total assets | $184,090,500 | 3,358 |
| Average earning assets | $169,029,250 | 3,341 |
| Average equity | $20,764,750 | 3,078 |
| Average total loans | $149,319,500 | 2,822 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3159% | 3,389 |
| Cost of funding earning assets | 0.8921% | 6,615 |
| Net interest margin | 4.4238% | 1,385 |
| Noninterest income to average assets | 0.3946% | 4,950 |
| Noninterest expense to average assets | 3.0969% | 3,340 |
| Loan and lease loss provision to assets | 0.3261% | 3,790 |
| Net operating income to assets | 0.6609% | 3,579 |
| Return on assets (ROA) | 0.6609% | 3,730 |
| Pretax return on assets | 1.0305% | 3,006 |
| Return on Equity (ROE) | 5.8718% | 3,863 |
| Retained earnings to average equity (ytd only) | 2.4434% | 4,600 |
| Net charge-offs to loans | 0.0534% | 5,634 |
| Credit loss provision to net charge-offs | 750.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 31.2000% | 897 |
| Efficiency ratio | 69.5387% | 4,273 |
| Assets per employee ($millions) | 3.3699% | 5,259 |
| Cash dividends to net income (ytd only)* | 58.3882% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 6,827 |
| Loan loss allowance to noncurrent loans | 125.4995% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 5,689 |
| Noncurrent loans to loans | 0.6999% | 5,841 |
| Net loans and leases to total assets | 78.8716% | 978 |
| Net loans and leases to deposits | 92.3326% | 1,478 |
| Net loans and leases to core deposits | 101.3965% | 1,878 |
| Total domestic deposits to total assets | 85.4212% | 3,406 |
| Equity capital to assets | 11.1317% | 2,741 |
| Core capital (leverage) ratio | 11.2459% | 2,070 |
| Tier 1 risk-based capital ratio | 11.9444% | 5,361 |
| Total risk-based capital ratio | 12.7296% | 5,763 |
| Memoranda: | ||
| Average total assets | $183,991,000 | 3,388 |
| Average earning assets | $168,815,670 | 3,363 |
| Average equity | $20,709,000 | 3,077 |
| Average total loans | $149,827,000 | 2,843 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3279% | 3,409 |
| Cost of funding earning assets | 0.9268% | 6,670 |
| Net interest margin | 4.4011% | 1,389 |
| Noninterest income to average assets | 0.3854% | 5,043 |
| Noninterest expense to average assets | 3.0832% | 3,334 |
| Loan and lease loss provision to assets | 0.3303% | 3,417 |
| Net operating income to assets | 0.6475% | 3,674 |
| Return on assets (ROA) | 0.6475% | 3,795 |
| Pretax return on assets | 1.0086% | 3,056 |
| Return on Equity (ROE) | 5.7198% | 4,003 |
| Retained earnings to average equity (ytd only) | -1.1868% | 6,078 |
| Net charge-offs to loans | -0.0027% | 6,773 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7211% | 4,364 |
| Assets per employee ($millions) | 3.2411% | 5,670 |
| Cash dividends to net income (ytd only)* | 120.7483% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 7,098 |
| Loan loss allowance to noncurrent loans | 124.7423% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 5,567 |
| Noncurrent loans to loans | 0.6500% | 6,023 |
| Net loans and leases to total assets | 80.1222% | 828 |
| Net loans and leases to deposits | 93.8154% | 1,369 |
| Net loans and leases to core deposits | 104.4144% | 1,704 |
| Total domestic deposits to total assets | 85.4041% | 3,462 |
| Equity capital to assets | 11.1138% | 2,665 |
| Core capital (leverage) ratio | 11.2127% | 2,083 |
| Tier 1 risk-based capital ratio | 11.9389% | 5,265 |
| Total risk-based capital ratio | 12.6780% | 5,713 |
| Memoranda: | ||
| Average total assets | $181,630,000 | 3,475 |
| Average earning assets | $166,596,000 | 3,456 |
| Average equity | $20,560,000 | 3,124 |
| Average total loans | $149,660,500 | 2,909 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4908% | 4,191 |
| Cost of funding earning assets | 1.2290% | 6,554 |
| Net interest margin | 4.2619% | 1,849 |
| Noninterest income to average assets | 0.4085% | 5,134 |
| Noninterest expense to average assets | 3.2547% | 3,177 |
| Loan and lease loss provision to assets | 0.3132% | 4,941 |
| Net operating income to assets | 0.5177% | 3,658 |
| Return on assets (ROA) | 0.5177% | 3,750 |
| Pretax return on assets | 0.7558% | 3,390 |
| Return on Equity (ROE) | 4.4224% | 3,916 |
| Retained earnings to average equity (ytd only) | 0.3998% | 4,684 |
| Net charge-offs to loans | 0.3816% | 4,301 |
| Credit loss provision to net charge-offs | 95.4225% | 5,805 |
| Earnings coverage of net charge-offs (x) | 3.2570% | 3,431 |
| Efficiency ratio | 75.2773% | 3,659 |
| Assets per employee ($millions) | 3.1878% | 5,751 |
| Cash dividends to net income (ytd only)* | 90.9598% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7056% | 7,369 |
| Loan loss allowance to noncurrent loans | 118.3240% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.9641% | 5,179 |
| Noncurrent loans to loans | 0.5963% | 6,047 |
| Net loans and leases to total assets | 83.4833% | 492 |
| Net loans and leases to deposits | 98.2044% | 1,084 |
| Net loans and leases to core deposits | 129.9277% | 1,295 |
| Total domestic deposits to total assets | 85.0097% | 3,544 |
| Equity capital to assets | 11.5329% | 2,298 |
| Core capital (leverage) ratio | 11.5184% | 1,907 |
| Tier 1 risk-based capital ratio | 12.0537% | 4,898 |
| Total risk-based capital ratio | 12.7094% | 5,402 |
| Memoranda: | ||
| Average total assets | $173,070,400 | 3,554 |
| Average earning assets | $158,991,800 | 3,535 |
| Average equity | $20,260,400 | 3,162 |
| Average total loans | $148,837,200 | 2,935 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4597% | 4,634 |
| Cost of funding earning assets | 1.2837% | 6,609 |
| Net interest margin | 4.1760% | 2,130 |
| Noninterest income to average assets | 0.4030% | 5,257 |
| Noninterest expense to average assets | 3.3016% | 2,915 |
| Loan and lease loss provision to assets | 0.1794% | 5,567 |
| Net operating income to assets | 0.4892% | 4,029 |
| Return on assets (ROA) | 0.4892% | 4,124 |
| Pretax return on assets | 0.7641% | 3,649 |
| Return on Equity (ROE) | 4.1627% | 4,318 |
| Retained earnings to average equity (ytd only) | -1.2224% | 5,541 |
| Net charge-offs to loans | 0.2056% | 4,759 |
| Credit loss provision to net charge-offs | 100.8734% | 5,036 |
| Earnings coverage of net charge-offs (x) | 5.3056% | 2,864 |
| Efficiency ratio | 77.7757% | 3,203 |
| Assets per employee ($millions) | 3.2028% | 5,641 |
| Cash dividends to net income (ytd only)* | 129.3650% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 7,353 |
| Loan loss allowance to noncurrent loans | 112.5399% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 5,697 |
| Noncurrent loans to loans | 0.6276% | 6,044 |
| Net loans and leases to total assets | 84.5126% | 485 |
| Net loans and leases to deposits | 100.0840% | 1,097 |
| Net loans and leases to core deposits | 131.9606% | 1,330 |
| Total domestic deposits to total assets | 84.4416% | 3,509 |
| Equity capital to assets | 11.5823% | 2,519 |
| Core capital (leverage) ratio | 11.5539% | 2,043 |
| Tier 1 risk-based capital ratio | 11.9864% | 4,993 |
| Total risk-based capital ratio | 12.6608% | 5,465 |
| Memoranda: | ||
| Average total assets | $171,709,000 | 3,599 |
| Average earning assets | $157,979,000 | 3,577 |
| Average equity | $20,178,500 | 3,202 |
| Average total loans | $148,524,000 | 2,974 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4751% | 4,751 |
| Cost of funding earning assets | 1.3263% | 6,714 |
| Net interest margin | 4.1488% | 2,164 |
| Noninterest income to average assets | 0.3901% | 5,378 |
| Noninterest expense to average assets | 3.2933% | 2,984 |
| Loan and lease loss provision to assets | 0.1657% | 5,407 |
| Net operating income to assets | 0.4817% | 4,167 |
| Return on assets (ROA) | 0.4817% | 4,281 |
| Pretax return on assets | 0.7461% | 3,847 |
| Return on Equity (ROE) | 4.0789% | 4,465 |
| Retained earnings to average equity (ytd only) | -4.0291% | 6,144 |
| Net charge-offs to loans | 0.0486% | 5,795 |
| Credit loss provision to net charge-offs | 391.6667% | 1,187 |
| Earnings coverage of net charge-offs (x) | 21.5556% | 1,258 |
| Efficiency ratio | 78.3180% | 3,297 |
| Assets per employee ($millions) | 3.2199% | 5,536 |
| Cash dividends to net income (ytd only)* | 198.7805% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7819% | 7,215 |
| Loan loss allowance to noncurrent loans | 110.1422% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 5,528 |
| Noncurrent loans to loans | 0.7099% | 5,819 |
| Net loans and leases to total assets | 83.2645% | 747 |
| Net loans and leases to deposits | 99.1741% | 1,372 |
| Net loans and leases to core deposits | 126.7222% | 1,804 |
| Total domestic deposits to total assets | 83.9579% | 3,795 |
| Equity capital to assets | 11.4050% | 2,598 |
| Core capital (leverage) ratio | 11.6386% | 2,014 |
| Tier 1 risk-based capital ratio | 12.0065% | 4,907 |
| Total risk-based capital ratio | 12.7508% | 5,300 |
| Memoranda: | ||
| Average total assets | $170,226,670 | 3,635 |
| Average earning assets | $156,527,330 | 3,625 |
| Average equity | $20,103,670 | 3,223 |
| Average total loans | $148,054,330 | 3,018 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5381% | 4,708 |
| Cost of funding earning assets | 1.3728% | 6,804 |
| Net interest margin | 4.1653% | 2,031 |
| Noninterest income to average assets | 0.3933% | 5,264 |
| Noninterest expense to average assets | 3.2711% | 2,734 |
| Loan and lease loss provision to assets | 0.0432% | 6,431 |
| Net operating income to assets | 0.5804% | 4,105 |
| Return on assets (ROA) | 0.5804% | 4,300 |
| Pretax return on assets | 0.9065% | 3,693 |
| Return on Equity (ROE) | 4.8264% | 4,541 |
| Retained earnings to average equity (ytd only) | -11.4277% | 7,233 |
| Net charge-offs to loans | 0.0514% | 4,752 |
| Credit loss provision to net charge-offs | 94.7368% | 3,899 |
| Earnings coverage of net charge-offs (x) | 20.8421% | 1,354 |
| Efficiency ratio | 77.5000% | 3,252 |
| Assets per employee ($millions) | 2.9991% | 6,155 |
| Cash dividends to net income (ytd only)* | 336.7769% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 7,412 |
| Loan loss allowance to noncurrent loans | 362.8866% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 7,024 |
| Noncurrent loans to loans | 0.1958% | 6,973 |
| Net loans and leases to total assets | 87.8417% | 280 |
| Net loans and leases to deposits | 106.1428% | 852 |
| Net loans and leases to core deposits | 137.5401% | 1,222 |
| Total domestic deposits to total assets | 82.7581% | 4,266 |
| Equity capital to assets | 11.8803% | 2,340 |
| Core capital (leverage) ratio | 11.9593% | 1,917 |
| Tier 1 risk-based capital ratio | 11.8720% | 5,060 |
| Total risk-based capital ratio | 12.5538% | 5,509 |
| Memoranda: | ||
| Average total assets | $166,791,500 | 3,712 |
| Average earning assets | $153,266,500 | 3,693 |
| Average equity | $20,056,500 | 3,251 |
| Average total loans | $147,771,000 | 3,045 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3724% | 3,562 |
| Cost of funding earning assets | 1.6989% | 7,260 |
| Net interest margin | 4.6735% | 1,021 |
| Noninterest income to average assets | 0.4040% | 5,437 |
| Noninterest expense to average assets | 3.2717% | 3,066 |
| Loan and lease loss provision to assets | 0.0370% | 6,945 |
| Net operating income to assets | 0.8907% | 3,039 |
| Return on assets (ROA) | 0.8907% | 2,883 |
| Pretax return on assets | 1.3663% | 2,069 |
| Return on Equity (ROE) | 7.3978% | 3,323 |
| Retained earnings to average equity (ytd only) | 3.2737% | 3,118 |
| Net charge-offs to loans | 0.0727% | 5,721 |
| Credit loss provision to net charge-offs | 60.6061% | 6,223 |
| Earnings coverage of net charge-offs (x) | 22.9798% | 1,437 |
| Efficiency ratio | 69.9828% | 4,355 |
| Assets per employee ($millions) | 2.9058% | 6,282 |
| Cash dividends to net income (ytd only)* | 55.7479% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 7,374 |
| Loan loss allowance to noncurrent loans | 293.6111% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 6,701 |
| Noncurrent loans to loans | 0.2450% | 6,651 |
| Net loans and leases to total assets | 88.0856% | 360 |
| Net loans and leases to deposits | 108.8499% | 908 |
| Net loans and leases to core deposits | 140.0979% | 1,262 |
| Total domestic deposits to total assets | 80.9240% | 4,674 |
| Equity capital to assets | 12.1716% | 2,174 |
| Core capital (leverage) ratio | 12.2858% | 1,848 |
| Tier 1 risk-based capital ratio | 11.7805% | 4,998 |
| Total risk-based capital ratio | 12.4508% | 5,422 |
| Memoranda: | ||
| Average total assets | $162,119,600 | 3,684 |
| Average earning assets | $148,155,400 | 3,689 |
| Average equity | $19,519,400 | 3,305 |
| Average total loans | $136,167,800 | 3,157 |