Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1301% | 6,313 |
| Cost of funding earning assets | 0.0655% | 6,239 |
| Net interest margin | 1.0646% | 6,309 |
| Noninterest income to average assets | 0.1373% | 5,872 |
| Noninterest expense to average assets | 0.7759% | 6,313 |
| Loan and lease loss provision to assets | 0.0419% | 3,273 |
| Net operating income to assets | 0.1787% | 5,744 |
| Return on assets (ROA) | 0.1787% | 5,803 |
| Pretax return on assets | 0.2872% | 5,681 |
| Return on Equity (ROE) | 1.5736% | 5,784 |
| Retained earnings to average equity (ytd only) | 1.5736% | 4,914 |
| Net charge-offs to loans | 0.0572% | 2,579 |
| Credit loss provision to net charge-offs | 126.7606% | 1,732 |
| Earnings coverage of net charge-offs (x) | 9.9577% | 2,407 |
| Efficiency ratio | 61.4996% | 4,754 |
| Assets per employee ($millions) | 5.9231% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0080% | 6,287 |
| Loan loss allowance to noncurrent loans | 2.5333% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 4,415 |
| Noncurrent loans to loans | 0.3157% | 4,561 |
| Net loans and leases to total assets | 56.4837% | 4,285 |
| Net loans and leases to deposits | 66.1976% | 4,322 |
| Net loans and leases to core deposits | 69.7766% | 4,344 |
| Total domestic deposits to total assets | 85.3259% | 2,999 |
| Equity capital to assets | 14.1381% | 939 |
| Core capital (leverage) ratio | 10.7765% | 2,647 |
| Tier 1 risk-based capital ratio | 17.7875% | 2,132 |
| Total risk-based capital ratio | 17.7949% | 2,544 |
| Memoranda: | ||
| Average total assets | $429,676,000 | 1,567 |
| Average earning assets | $390,569,330 | 1,585 |
| Average equity | $48,805,670 | 1,537 |
| Average total loans | $248,080,670 | 1,755 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3675% | 5,288 |
| Cost of funding earning assets | 0.3665% | 3,682 |
| Net interest margin | 3.0010% | 5,213 |
| Noninterest income to average assets | 0.4873% | 3,373 |
| Noninterest expense to average assets | 2.3498% | 4,743 |
| Loan and lease loss provision to assets | 0.0046% | 3,648 |
| Net operating income to assets | 0.6356% | 4,110 |
| Return on assets (ROA) | 0.6356% | 4,235 |
| Pretax return on assets | 0.9009% | 3,891 |
| Return on Equity (ROE) | 6.3477% | 3,850 |
| Retained earnings to average equity (ytd only) | 1.2879% | 4,967 |
| Net charge-offs to loans | 0.0095% | 3,019 |
| Credit loss provision to net charge-offs | 83.3333% | 1,796 |
| Earnings coverage of net charge-offs (x) | 163.8333% | 334 |
| Efficiency ratio | 72.1845% | 3,138 |
| Assets per employee ($millions) | 4.6158% | 2,885 |
| Cash dividends to net income (ytd only)* | 79.7101% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 2,271 |
| Loan loss allowance to noncurrent loans | 999.2327% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 4,837 |
| Noncurrent loans to loans | 0.1543% | 5,225 |
| Net loans and leases to total assets | 56.3056% | 4,165 |
| Net loans and leases to deposits | 66.2591% | 4,129 |
| Net loans and leases to core deposits | 70.0520% | 4,150 |
| Total domestic deposits to total assets | 84.9779% | 3,421 |
| Equity capital to assets | 9.8785% | 4,293 |
| Core capital (leverage) ratio | 9.7839% | 3,910 |
| Tier 1 risk-based capital ratio | 15.3613% | 3,220 |
| Total risk-based capital ratio | 16.6140% | 3,150 |
| Memoranda: | ||
| Average total assets | $434,245,500 | 1,564 |
| Average earning assets | $400,535,000 | 1,559 |
| Average equity | $43,480,500 | 1,712 |
| Average total loans | $253,344,000 | 1,715 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6395% | 4,970 |
| Cost of funding earning assets | 0.3889% | 3,803 |
| Net interest margin | 3.2506% | 4,748 |
| Noninterest income to average assets | 0.5442% | 3,209 |
| Noninterest expense to average assets | 2.6284% | 4,123 |
| Loan and lease loss provision to assets | 0.0324% | 3,948 |
| Net operating income to assets | 0.6090% | 4,326 |
| Return on assets (ROA) | 0.6350% | 4,314 |
| Pretax return on assets | 0.8981% | 3,913 |
| Return on Equity (ROE) | 6.1327% | 4,084 |
| Retained earnings to average equity (ytd only) | 0.9968% | 5,327 |
| Net charge-offs to loans | 0.3218% | 1,373 |
| Credit loss provision to net charge-offs | 16.3614% | 4,018 |
| Earnings coverage of net charge-offs (x) | 4.5140% | 3,634 |
| Efficiency ratio | 74.6259% | 2,727 |
| Assets per employee ($millions) | 4.2967% | 3,371 |
| Cash dividends to net income (ytd only)* | 83.7457% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 2,290 |
| Loan loss allowance to noncurrent loans | 1,195.1070% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 4,886 |
| Noncurrent loans to loans | 0.1291% | 5,379 |
| Net loans and leases to total assets | 58.6245% | 3,979 |
| Net loans and leases to deposits | 70.3583% | 3,860 |
| Net loans and leases to core deposits | 74.2488% | 3,899 |
| Total domestic deposits to total assets | 83.3228% | 3,972 |
| Equity capital to assets | 10.1529% | 3,919 |
| Core capital (leverage) ratio | 10.2728% | 3,207 |
| Tier 1 risk-based capital ratio | 15.8602% | 3,026 |
| Total risk-based capital ratio | 17.1134% | 2,979 |
| Memoranda: | ||
| Average total assets | $413,671,600 | 1,597 |
| Average earning assets | $378,975,800 | 1,597 |
| Average equity | $42,836,200 | 1,681 |
| Average total loans | $254,467,800 | 1,662 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6569% | 4,980 |
| Cost of funding earning assets | 0.3885% | 3,918 |
| Net interest margin | 3.2683% | 4,727 |
| Noninterest income to average assets | 0.5246% | 3,368 |
| Noninterest expense to average assets | 2.6225% | 4,117 |
| Loan and lease loss provision to assets | 0.0373% | 3,656 |
| Net operating income to assets | 0.6076% | 4,415 |
| Return on assets (ROA) | 0.6401% | 4,355 |
| Pretax return on assets | 0.9060% | 3,954 |
| Return on Equity (ROE) | 6.1506% | 4,158 |
| Retained earnings to average equity (ytd only) | 1.0043% | 5,484 |
| Net charge-offs to loans | 0.2104% | 1,788 |
| Credit loss provision to net charge-offs | 28.6070% | 3,474 |
| Earnings coverage of net charge-offs (x) | 6.8781% | 3,007 |
| Efficiency ratio | 74.5020% | 2,737 |
| Assets per employee ($millions) | 4.2408% | 3,399 |
| Cash dividends to net income (ytd only)* | 83.6715% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 1,932 |
| Loan loss allowance to noncurrent loans | 435.3893% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 3,415 |
| Noncurrent loans to loans | 0.3931% | 4,731 |
| Net loans and leases to total assets | 58.8961% | 3,948 |
| Net loans and leases to deposits | 69.8073% | 3,939 |
| Net loans and leases to core deposits | 74.0853% | 3,931 |
| Total domestic deposits to total assets | 84.3694% | 3,605 |
| Equity capital to assets | 10.2027% | 3,929 |
| Core capital (leverage) ratio | 10.3811% | 3,183 |
| Tier 1 risk-based capital ratio | 15.7744% | 3,170 |
| Total risk-based capital ratio | 17.0291% | 3,110 |
| Memoranda: | ||
| Average total assets | $410,745,250 | 1,623 |
| Average earning assets | $376,450,750 | 1,621 |
| Average equity | $42,748,250 | 1,693 |
| Average total loans | $254,764,000 | 1,670 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6712% | 4,942 |
| Cost of funding earning assets | 0.3870% | 4,030 |
| Net interest margin | 3.2842% | 4,653 |
| Noninterest income to average assets | 0.5293% | 3,270 |
| Noninterest expense to average assets | 2.6263% | 4,154 |
| Loan and lease loss provision to assets | 0.0471% | 3,366 |
| Net operating income to assets | 0.6138% | 4,287 |
| Return on assets (ROA) | 0.6274% | 4,306 |
| Pretax return on assets | 0.8844% | 3,946 |
| Return on Equity (ROE) | 5.9879% | 4,157 |
| Retained earnings to average equity (ytd only) | 0.8380% | 5,413 |
| Net charge-offs to loans | -0.0008% | 5,023 |
| Credit loss provision to net charge-offs | -9,600.0000% | 5,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2168% | 2,940 |
| Assets per employee ($millions) | 3.9882% | 3,863 |
| Cash dividends to net income (ytd only)* | 86.0047% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 1,690 |
| Loan loss allowance to noncurrent loans | 3,168.9189% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 5,644 |
| Noncurrent loans to loans | 0.0585% | 5,862 |
| Net loans and leases to total assets | 60.4003% | 3,654 |
| Net loans and leases to deposits | 71.8833% | 3,584 |
| Net loans and leases to core deposits | 76.2887% | 3,601 |
| Total domestic deposits to total assets | 84.0256% | 3,912 |
| Equity capital to assets | 10.4233% | 3,535 |
| Core capital (leverage) ratio | 10.3443% | 3,143 |
| Tier 1 risk-based capital ratio | 16.0440% | 3,065 |
| Total risk-based capital ratio | 17.3010% | 2,998 |
| Memoranda: | ||
| Average total assets | $407,714,330 | 1,630 |
| Average earning assets | $373,612,330 | 1,627 |
| Average equity | $42,719,330 | 1,671 |
| Average total loans | $255,827,330 | 1,655 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7054% | 4,828 |
| Cost of funding earning assets | 0.3832% | 4,158 |
| Net interest margin | 3.3222% | 4,451 |
| Noninterest income to average assets | 0.4530% | 3,764 |
| Noninterest expense to average assets | 2.5319% | 4,512 |
| Loan and lease loss provision to assets | 0.0778% | 2,589 |
| Net operating income to assets | 0.6246% | 4,071 |
| Return on assets (ROA) | 0.6421% | 4,077 |
| Pretax return on assets | 0.9070% | 3,673 |
| Return on Equity (ROE) | 6.1120% | 3,958 |
| Retained earnings to average equity (ytd only) | 0.9562% | 5,215 |
| Net charge-offs to loans | -0.0933% | 6,092 |
| Credit loss provision to net charge-offs | -131.6667% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5042% | 3,399 |
| Assets per employee ($millions) | 4.2871% | 3,365 |
| Cash dividends to net income (ytd only)* | 84.3558% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8432% | 1,920 |
| Loan loss allowance to noncurrent loans | 1,371.5942% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 5,583 |
| Noncurrent loans to loans | 0.1344% | 5,706 |
| Net loans and leases to total assets | 61.2298% | 3,360 |
| Net loans and leases to deposits | 72.8267% | 3,231 |
| Net loans and leases to core deposits | 77.4151% | 3,261 |
| Total domestic deposits to total assets | 84.0761% | 4,247 |
| Equity capital to assets | 10.3916% | 3,351 |
| Core capital (leverage) ratio | 10.5283% | 2,892 |
| Tier 1 risk-based capital ratio | 16.2836% | 3,018 |
| Total risk-based capital ratio | 17.5413% | 2,979 |
| Memoranda: | ||
| Average total assets | $406,181,000 | 1,647 |
| Average earning assets | $371,562,000 | 1,644 |
| Average equity | $42,670,500 | 1,670 |
| Average total loans | $257,339,500 | 1,651 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,890 |
| Cost of funding earning assets | 0.4132% | 4,501 |
| Net interest margin | 3.6449% | 3,263 |
| Noninterest income to average assets | 0.6633% | 2,740 |
| Noninterest expense to average assets | 2.6624% | 4,231 |
| Loan and lease loss provision to assets | 0.1543% | 2,347 |
| Net operating income to assets | 0.8191% | 3,193 |
| Return on assets (ROA) | 0.8113% | 3,332 |
| Pretax return on assets | 1.1620% | 2,725 |
| Return on Equity (ROE) | 7.4935% | 3,300 |
| Retained earnings to average equity (ytd only) | 2.4714% | 4,496 |
| Net charge-offs to loans | 0.4534% | 1,459 |
| Credit loss provision to net charge-offs | 51.0460% | 3,787 |
| Earnings coverage of net charge-offs (x) | 4.3925% | 3,579 |
| Efficiency ratio | 66.7301% | 4,421 |
| Assets per employee ($millions) | 4.1750% | 3,499 |
| Cash dividends to net income (ytd only)* | 67.0200% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 2,124 |
| Loan loss allowance to noncurrent loans | 898.8258% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 5,487 |
| Noncurrent loans to loans | 0.1981% | 5,593 |
| Net loans and leases to total assets | 63.2124% | 3,178 |
| Net loans and leases to deposits | 75.4690% | 3,033 |
| Net loans and leases to core deposits | 79.9736% | 3,140 |
| Total domestic deposits to total assets | 83.7594% | 4,261 |
| Equity capital to assets | 10.6221% | 3,015 |
| Core capital (leverage) ratio | 10.5271% | 2,886 |
| Tier 1 risk-based capital ratio | 16.1484% | 3,033 |
| Total risk-based capital ratio | 17.4052% | 2,986 |
| Memoranda: | ||
| Average total assets | $395,429,200 | 1,672 |
| Average earning assets | $360,883,600 | 1,669 |
| Average equity | $42,810,600 | 1,641 |
| Average total loans | $263,571,000 | 1,577 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1049% | 3,741 |
| Cost of funding earning assets | 0.4128% | 4,697 |
| Net interest margin | 3.6921% | 3,057 |
| Noninterest income to average assets | 0.6959% | 2,633 |
| Noninterest expense to average assets | 2.6707% | 4,130 |
| Loan and lease loss provision to assets | 0.1797% | 2,024 |
| Net operating income to assets | 0.8471% | 3,115 |
| Return on assets (ROA) | 0.8367% | 3,285 |
| Pretax return on assets | 1.1984% | 2,702 |
| Return on Equity (ROE) | 7.6913% | 3,287 |
| Retained earnings to average equity (ytd only) | 2.8706% | 4,608 |
| Net charge-offs to loans | 0.3980% | 1,611 |
| Credit loss provision to net charge-offs | 67.1302% | 3,129 |
| Earnings coverage of net charge-offs (x) | 5.2048% | 3,257 |
| Efficiency ratio | 65.7231% | 4,538 |
| Assets per employee ($millions) | 4.1518% | 3,528 |
| Cash dividends to net income (ytd only)* | 62.6771% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 2,219 |
| Loan loss allowance to noncurrent loans | 634.5806% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 5,156 |
| Noncurrent loans to loans | 0.2878% | 5,510 |
| Net loans and leases to total assets | 67.0328% | 2,452 |
| Net loans and leases to deposits | 79.1786% | 2,516 |
| Net loans and leases to core deposits | 83.8165% | 2,671 |
| Total domestic deposits to total assets | 84.6602% | 3,901 |
| Equity capital to assets | 10.8274% | 2,932 |
| Core capital (leverage) ratio | 10.6992% | 2,792 |
| Tier 1 risk-based capital ratio | 15.4724% | 3,483 |
| Total risk-based capital ratio | 16.7299% | 3,437 |
| Memoranda: | ||
| Average total assets | $394,087,000 | 1,680 |
| Average earning assets | $359,460,750 | 1,679 |
| Average equity | $42,870,000 | 1,646 |
| Average total loans | $264,977,000 | 1,581 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 3,680 |
| Cost of funding earning assets | 0.4180% | 4,771 |
| Net interest margin | 3.6962% | 2,970 |
| Noninterest income to average assets | 0.7031% | 2,620 |
| Noninterest expense to average assets | 2.6651% | 4,161 |
| Loan and lease loss provision to assets | 0.2305% | 1,624 |
| Net operating income to assets | 0.8239% | 3,174 |
| Return on assets (ROA) | 0.8239% | 3,334 |
| Pretax return on assets | 1.1782% | 2,772 |
| Return on Equity (ROE) | 7.5621% | 3,315 |
| Retained earnings to average equity (ytd only) | 2.9028% | 4,465 |
| Net charge-offs to loans | 0.1723% | 2,742 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 12.2247% | 1,995 |
| Efficiency ratio | 65.4206% | 4,646 |
| Assets per employee ($millions) | 3.9961% | 3,812 |
| Cash dividends to net income (ytd only)* | 61.6143% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0187% | 1,809 |
| Loan loss allowance to noncurrent loans | 1,047.4806% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.5986% | 4,754 |
| Noncurrent loans to loans | 0.1927% | 5,832 |
| Net loans and leases to total assets | 66.3143% | 2,537 |
| Net loans and leases to deposits | 78.2181% | 2,541 |
| Net loans and leases to core deposits | 81.3431% | 2,880 |
| Total domestic deposits to total assets | 84.7812% | 4,004 |
| Equity capital to assets | 10.7518% | 2,997 |
| Core capital (leverage) ratio | 10.5280% | 2,849 |
| Tier 1 risk-based capital ratio | 15.5221% | 3,469 |
| Total risk-based capital ratio | 16.7818% | 3,416 |
| Memoranda: | ||
| Average total assets | $393,974,330 | 1,679 |
| Average earning assets | $359,288,670 | 1,685 |
| Average equity | $42,924,670 | 1,647 |
| Average total loans | $263,532,000 | 1,586 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 3,788 |
| Cost of funding earning assets | 0.4201% | 4,908 |
| Net interest margin | 3.6642% | 3,010 |
| Noninterest income to average assets | 0.6786% | 2,702 |
| Noninterest expense to average assets | 2.6229% | 4,327 |
| Loan and lease loss provision to assets | 0.2320% | 1,576 |
| Net operating income to assets | 0.8190% | 3,053 |
| Return on assets (ROA) | 0.8190% | 3,195 |
| Pretax return on assets | 1.1690% | 2,687 |
| Return on Equity (ROE) | 7.4676% | 3,232 |
| Retained earnings to average equity (ytd only) | 2.8293% | 4,586 |
| Net charge-offs to loans | 0.1484% | 2,513 |
| Credit loss provision to net charge-offs | 235.0515% | 969 |
| Earnings coverage of net charge-offs (x) | 14.1959% | 1,473 |
| Efficiency ratio | 65.1833% | 4,799 |
| Assets per employee ($millions) | 4.0663% | 3,810 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0157% | 2,002 |
| Loan loss allowance to noncurrent loans | 874.6293% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 5,126 |
| Noncurrent loans to loans | 0.2305% | 5,837 |
| Net loans and leases to total assets | 64.7635% | 2,573 |
| Net loans and leases to deposits | 76.4189% | 2,566 |
| Net loans and leases to core deposits | 79.5788% | 2,857 |
| Total domestic deposits to total assets | 84.7480% | 4,160 |
| Equity capital to assets | 10.8235% | 3,174 |
| Core capital (leverage) ratio | 10.6409% | 2,602 |
| Tier 1 risk-based capital ratio | 15.9097% | 3,318 |
| Total risk-based capital ratio | 17.1696% | 3,279 |
| Memoranda: | ||
| Average total assets | $393,156,500 | 1,697 |
| Average earning assets | $358,930,500 | 1,705 |
| Average equity | $43,119,500 | 1,652 |
| Average total loans | $261,422,500 | 1,602 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 4,291 |
| Cost of funding earning assets | 0.5338% | 4,962 |
| Net interest margin | 3.7429% | 3,471 |
| Noninterest income to average assets | 0.6641% | 2,911 |
| Noninterest expense to average assets | 2.7220% | 4,325 |
| Loan and lease loss provision to assets | 0.4580% | 1,372 |
| Net operating income to assets | 0.6370% | 4,050 |
| Return on assets (ROA) | 0.6606% | 4,195 |
| Pretax return on assets | 0.9050% | 3,897 |
| Return on Equity (ROE) | 6.1134% | 4,107 |
| Retained earnings to average equity (ytd only) | 2.8454% | 4,236 |
| Net charge-offs to loans | 0.5396% | 2,112 |
| Credit loss provision to net charge-offs | 134.1211% | 2,084 |
| Earnings coverage of net charge-offs (x) | 3.8966% | 3,554 |
| Efficiency ratio | 67.1646% | 4,299 |
| Assets per employee ($millions) | 3.8782% | 4,205 |
| Cash dividends to net income (ytd only)* | 53.4555% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9957% | 2,025 |
| Loan loss allowance to noncurrent loans | 459.8579% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 4,831 |
| Noncurrent loans to loans | 0.4340% | 5,410 |
| Net loans and leases to total assets | 65.5665% | 2,598 |
| Net loans and leases to deposits | 77.2625% | 2,616 |
| Net loans and leases to core deposits | 80.1847% | 2,979 |
| Total domestic deposits to total assets | 84.8620% | 3,922 |
| Equity capital to assets | 11.1155% | 2,816 |
| Core capital (leverage) ratio | 10.5889% | 2,669 |
| Tier 1 risk-based capital ratio | 15.9569% | 3,184 |
| Total risk-based capital ratio | 17.2167% | 3,138 |
| Memoranda: | ||
| Average total assets | $396,473,200 | 1,649 |
| Average earning assets | $358,944,400 | 1,662 |
| Average equity | $42,840,400 | 1,626 |
| Average total loans | $250,946,200 | 1,641 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 4,604 |
| Cost of funding earning assets | 0.5659% | 4,953 |
| Net interest margin | 3.6950% | 3,822 |
| Noninterest income to average assets | 0.7335% | 2,550 |
| Noninterest expense to average assets | 2.7292% | 4,253 |
| Loan and lease loss provision to assets | 0.4549% | 1,370 |
| Net operating income to assets | 0.6464% | 4,161 |
| Return on assets (ROA) | 0.6776% | 4,280 |
| Pretax return on assets | 0.9338% | 3,983 |
| Return on Equity (ROE) | 6.3153% | 4,166 |
| Retained earnings to average equity (ytd only) | 3.8216% | 4,197 |
| Net charge-offs to loans | 0.5214% | 2,049 |
| Credit loss provision to net charge-offs | 139.7739% | 2,067 |
| Earnings coverage of net charge-offs (x) | 4.1357% | 3,390 |
| Efficiency ratio | 66.9731% | 4,253 |
| Assets per employee ($millions) | 3.8812% | 4,128 |
| Cash dividends to net income (ytd only)* | 39.4866% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9623% | 2,283 |
| Loan loss allowance to noncurrent loans | 232.4374% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9740% | 4,335 |
| Noncurrent loans to loans | 0.8442% | 4,725 |
| Net loans and leases to total assets | 65.0247% | 2,832 |
| Net loans and leases to deposits | 77.7394% | 2,698 |
| Net loans and leases to core deposits | 80.6734% | 3,126 |
| Total domestic deposits to total assets | 83.6445% | 4,376 |
| Equity capital to assets | 11.0618% | 3,195 |
| Core capital (leverage) ratio | 10.4506% | 2,978 |
| Tier 1 risk-based capital ratio | 15.7960% | 3,378 |
| Total risk-based capital ratio | 17.0549% | 3,341 |
| Memoranda: | ||
| Average total assets | $398,636,500 | 1,658 |
| Average earning assets | $360,510,500 | 1,676 |
| Average equity | $42,773,500 | 1,644 |
| Average total loans | $248,818,250 | 1,668 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 4,773 |
| Cost of funding earning assets | 0.6063% | 4,852 |
| Net interest margin | 3.6409% | 4,073 |
| Noninterest income to average assets | 0.7200% | 2,552 |
| Noninterest expense to average assets | 2.7082% | 4,372 |
| Loan and lease loss provision to assets | 0.4525% | 1,416 |
| Net operating income to assets | 0.6173% | 4,298 |
| Return on assets (ROA) | 0.6606% | 4,319 |
| Pretax return on assets | 0.9056% | 4,057 |
| Return on Equity (ROE) | 6.2193% | 4,198 |
| Retained earnings to average equity (ytd only) | 4.3403% | 3,725 |
| Net charge-offs to loans | 0.3737% | 2,525 |
| Credit loss provision to net charge-offs | 198.0349% | 1,439 |
| Earnings coverage of net charge-offs (x) | 5.6834% | 2,780 |
| Efficiency ratio | 67.5881% | 4,214 |
| Assets per employee ($millions) | 3.9416% | 3,995 |
| Cash dividends to net income (ytd only)* | 30.2115% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0609% | 2,082 |
| Loan loss allowance to noncurrent loans | 334.5207% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 4,709 |
| Noncurrent loans to loans | 0.6161% | 5,282 |
| Net loans and leases to total assets | 61.6550% | 3,501 |
| Net loans and leases to deposits | 69.3393% | 3,990 |
| Net loans and leases to core deposits | 71.9937% | 4,297 |
| Total domestic deposits to total assets | 88.9178% | 1,561 |
| Equity capital to assets | 10.7765% | 3,369 |
| Core capital (leverage) ratio | 10.0925% | 3,289 |
| Tier 1 risk-based capital ratio | 15.4967% | 3,442 |
| Total risk-based capital ratio | 16.7558% | 3,403 |
| Memoranda: | ||
| Average total assets | $400,849,670 | 1,647 |
| Average earning assets | $361,885,000 | 1,669 |
| Average equity | $42,577,330 | 1,640 |
| Average total loans | $245,092,000 | 1,686 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 5,007 |
| Cost of funding earning assets | 0.6240% | 4,939 |
| Net interest margin | 3.6026% | 4,263 |
| Noninterest income to average assets | 0.7836% | 2,243 |
| Noninterest expense to average assets | 2.7050% | 4,405 |
| Loan and lease loss provision to assets | 0.4485% | 1,387 |
| Net operating income to assets | 0.6314% | 4,215 |
| Return on assets (ROA) | 0.7081% | 4,065 |
| Pretax return on assets | 0.9805% | 3,747 |
| Return on Equity (ROE) | 6.7145% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.7145% | 2,575 |
| Net charge-offs to loans | -0.0231% | 6,229 |
| Credit loss provision to net charge-offs | -3,221.4286% | 6,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1605% | 4,328 |
| Assets per employee ($millions) | 4.1227% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1096% | 2,080 |
| Loan loss allowance to noncurrent loans | 340.1838% | 976 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 4,156 |
| Noncurrent loans to loans | 0.6201% | 5,414 |
| Net loans and leases to total assets | 58.9015% | 3,879 |
| Net loans and leases to deposits | 66.8372% | 4,257 |
| Net loans and leases to core deposits | 69.4363% | 4,510 |
| Total domestic deposits to total assets | 88.1269% | 2,230 |
| Equity capital to assets | 10.4383% | 3,569 |
| Core capital (leverage) ratio | 9.9364% | 3,448 |
| Tier 1 risk-based capital ratio | 15.5463% | 3,418 |
| Total risk-based capital ratio | 16.8059% | 3,386 |
| Memoranda: | ||
| Average total assets | $402,225,000 | 1,645 |
| Average earning assets | $362,184,500 | 1,675 |
| Average equity | $42,415,500 | 1,638 |
| Average total loans | $242,331,500 | 1,707 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 5,641 |
| Cost of funding earning assets | 0.8099% | 4,794 |
| Net interest margin | 3.5273% | 5,035 |
| Noninterest income to average assets | -0.1529% | 7,131 |
| Noninterest expense to average assets | 2.7129% | 4,698 |
| Loan and lease loss provision to assets | 0.9452% | 1,018 |
| Net operating income to assets | -0.2808% | 6,326 |
| Return on assets (ROA) | -0.2625% | 6,368 |
| Pretax return on assets | -0.6159% | 6,560 |
| Return on Equity (ROE) | -2.5764% | 6,374 |
| Retained earnings to average equity (ytd only) | -2.5764% | 6,221 |
| Net charge-offs to loans | 2.0403% | 674 |
| Credit loss provision to net charge-offs | 79.5364% | 4,477 |
| Earnings coverage of net charge-offs (x) | 0.2531% | 5,637 |
| Efficiency ratio | 90.0206% | 1,192 |
| Assets per employee ($millions) | 4.0439% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 2,360 |
| Loan loss allowance to noncurrent loans | 290.0369% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 1.6460% | 3,488 |
| Noncurrent loans to loans | 0.6801% | 5,340 |
| Net loans and leases to total assets | 59.1369% | 4,168 |
| Net loans and leases to deposits | 67.2650% | 4,544 |
| Net loans and leases to core deposits | 69.9628% | 4,779 |
| Total domestic deposits to total assets | 87.9163% | 2,213 |
| Equity capital to assets | 10.6553% | 3,356 |
| Core capital (leverage) ratio | 9.8219% | 3,558 |
| Tier 1 risk-based capital ratio | 15.1470% | 3,548 |
| Total risk-based capital ratio | 16.4045% | 3,509 |
| Memoranda: | ||
| Average total assets | $402,999,800 | 1,610 |
| Average earning assets | $361,783,000 | 1,636 |
| Average equity | $41,065,400 | 1,634 |
| Average total loans | $234,715,000 | 1,782 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3397% | 5,814 |
| Cost of funding earning assets | 0.8538% | 4,743 |
| Net interest margin | 3.4859% | 5,241 |
| Noninterest income to average assets | -0.4642% | 7,343 |
| Noninterest expense to average assets | 2.6898% | 4,768 |
| Loan and lease loss provision to assets | 1.0606% | 790 |
| Net operating income to assets | -0.5668% | 6,676 |
| Return on assets (ROA) | -0.5552% | 6,714 |
| Pretax return on assets | -1.0678% | 6,898 |
| Return on Equity (ROE) | -5.5098% | 6,694 |
| Retained earnings to average equity (ytd only) | -5.5098% | 6,616 |
| Net charge-offs to loans | 2.2703% | 531 |
| Credit loss provision to net charge-offs | 80.9201% | 4,115 |
| Earnings coverage of net charge-offs (x) | -0.0194% | 5,616 |
| Efficiency ratio | 100.9521% | 637 |
| Assets per employee ($millions) | 4.0133% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1926% | 1,874 |
| Loan loss allowance to noncurrent loans | 103.2845% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 2.4097% | 2,672 |
| Noncurrent loans to loans | 2.1229% | 3,213 |
| Net loans and leases to total assets | 53.7989% | 5,191 |
| Net loans and leases to deposits | 60.0534% | 5,621 |
| Net loans and leases to core deposits | 62.4218% | 5,780 |
| Total domestic deposits to total assets | 89.5851% | 1,101 |
| Equity capital to assets | 10.1795% | 4,118 |
| Core capital (leverage) ratio | 9.4727% | 4,193 |
| Tier 1 risk-based capital ratio | 14.9056% | 3,717 |
| Total risk-based capital ratio | 16.1642% | 3,683 |
| Memoranda: | ||
| Average total assets | $404,674,500 | 1,612 |
| Average earning assets | $363,210,000 | 1,636 |
| Average equity | $40,775,000 | 1,651 |
| Average total loans | $233,624,750 | 1,803 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 5,713 |
| Cost of funding earning assets | 0.9050% | 4,621 |
| Net interest margin | 3.4904% | 5,202 |
| Noninterest income to average assets | 0.2520% | 5,844 |
| Noninterest expense to average assets | 2.7357% | 4,674 |
| Loan and lease loss provision to assets | 0.5338% | 1,825 |
| Net operating income to assets | 0.1498% | 5,883 |
| Return on assets (ROA) | 0.2069% | 5,834 |
| Pretax return on assets | 0.1662% | 5,989 |
| Return on Equity (ROE) | 2.0604% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.0604% | 4,947 |
| Net charge-offs to loans | 1.0176% | 1,552 |
| Credit loss provision to net charge-offs | 89.4431% | 3,465 |
| Earnings coverage of net charge-offs (x) | 1.0773% | 4,480 |
| Efficiency ratio | 80.9692% | 2,247 |
| Assets per employee ($millions) | 3.9979% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3630% | 1,647 |
| Loan loss allowance to noncurrent loans | 82.3060% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 3.4904% | 1,890 |
| Noncurrent loans to loans | 2.8711% | 2,547 |
| Net loans and leases to total assets | 56.4175% | 4,918 |
| Net loans and leases to deposits | 62.9026% | 5,401 |
| Net loans and leases to core deposits | 65.4052% | 5,572 |
| Total domestic deposits to total assets | 89.6903% | 1,124 |
| Equity capital to assets | 10.1084% | 4,003 |
| Core capital (leverage) ratio | 9.4982% | 3,961 |
| Tier 1 risk-based capital ratio | 14.6740% | 3,684 |
| Total risk-based capital ratio | 15.9350% | 3,649 |
| Memoranda: | ||
| Average total assets | $403,114,670 | 1,630 |
| Average earning assets | $361,101,000 | 1,657 |
| Average equity | $40,476,670 | 1,657 |
| Average total loans | $236,444,670 | 1,807 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 5,592 |
| Cost of funding earning assets | 0.9353% | 4,684 |
| Net interest margin | 3.4920% | 5,047 |
| Noninterest income to average assets | 0.2775% | 5,684 |
| Noninterest expense to average assets | 2.6598% | 4,995 |
| Loan and lease loss provision to assets | 0.4491% | 1,962 |
| Net operating income to assets | 0.2884% | 5,466 |
| Return on assets (ROA) | 0.2884% | 5,538 |
| Pretax return on assets | 0.2984% | 5,656 |
| Return on Equity (ROE) | 2.8824% | 5,429 |
| Retained earnings to average equity (ytd only) | 2.8824% | 4,431 |
| Net charge-offs to loans | 0.4205% | 2,428 |
| Credit loss provision to net charge-offs | 180.7229% | 1,619 |
| Earnings coverage of net charge-offs (x) | 3.0080% | 2,877 |
| Efficiency ratio | 78.0609% | 2,833 |
| Assets per employee ($millions) | 4.0375% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4933% | 1,464 |
| Loan loss allowance to noncurrent loans | 116.6106% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 3.3035% | 2,073 |
| Noncurrent loans to loans | 2.1382% | 3,396 |
| Net loans and leases to total assets | 57.1181% | 4,782 |
| Net loans and leases to deposits | 63.5769% | 5,315 |
| Net loans and leases to core deposits | 66.2346% | 5,486 |
| Total domestic deposits to total assets | 89.8410% | 1,249 |
| Equity capital to assets | 9.9814% | 3,797 |
| Core capital (leverage) ratio | 9.6450% | 3,598 |
| Tier 1 risk-based capital ratio | 14.7638% | 3,570 |
| Total risk-based capital ratio | 16.0266% | 3,524 |
| Memoranda: | ||
| Average total assets | $400,781,500 | 1,651 |
| Average earning assets | $359,224,500 | 1,676 |
| Average equity | $40,105,000 | 1,664 |
| Average total loans | $236,853,000 | 1,813 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6129% | 6,071 |
| Cost of funding earning assets | 1.1702% | 4,727 |
| Net interest margin | 3.4427% | 5,463 |
| Noninterest income to average assets | 0.5451% | 3,851 |
| Noninterest expense to average assets | 2.6500% | 5,218 |
| Loan and lease loss provision to assets | 0.6612% | 2,497 |
| Net operating income to assets | 0.2849% | 4,978 |
| Return on assets (ROA) | 0.3641% | 4,847 |
| Pretax return on assets | 0.3998% | 4,945 |
| Return on Equity (ROE) | 3.9027% | 4,574 |
| Retained earnings to average equity (ytd only) | 3.9027% | 3,134 |
| Net charge-offs to loans | 1.3279% | 1,681 |
| Credit loss provision to net charge-offs | 82.0140% | 5,484 |
| Earnings coverage of net charge-offs (x) | 1.2081% | 4,897 |
| Efficiency ratio | 73.1242% | 3,576 |
| Assets per employee ($millions) | 3.9387% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4014% | 1,544 |
| Loan loss allowance to noncurrent loans | 116.5303% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 3.5273% | 1,960 |
| Noncurrent loans to loans | 2.0608% | 3,472 |
| Net loans and leases to total assets | 58.1928% | 4,997 |
| Net loans and leases to deposits | 64.7922% | 5,539 |
| Net loans and leases to core deposits | 67.5427% | 5,708 |
| Total domestic deposits to total assets | 89.8145% | 1,203 |
| Equity capital to assets | 10.0324% | 3,709 |
| Core capital (leverage) ratio | 9.6799% | 3,454 |
| Tier 1 risk-based capital ratio | 14.7923% | 3,375 |
| Total risk-based capital ratio | 16.0537% | 3,325 |
| Memoranda: | ||
| Average total assets | $408,946,400 | 1,616 |
| Average earning assets | $365,734,200 | 1,647 |
| Average equity | $38,153,400 | 1,725 |
| Average total loans | $248,292,000 | 1,773 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6358% | 6,239 |
| Cost of funding earning assets | 1.1924% | 4,900 |
| Net interest margin | 3.4435% | 5,519 |
| Noninterest income to average assets | 0.6467% | 3,143 |
| Noninterest expense to average assets | 2.6305% | 5,196 |
| Loan and lease loss provision to assets | 0.6162% | 2,473 |
| Net operating income to assets | 0.3840% | 4,820 |
| Return on assets (ROA) | 0.4731% | 4,624 |
| Pretax return on assets | 0.5910% | 4,629 |
| Return on Equity (ROE) | 5.1650% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.1650% | 2,865 |
| Net charge-offs to loans | 1.3032% | 1,564 |
| Credit loss provision to net charge-offs | 77.5469% | 5,209 |
| Earnings coverage of net charge-offs (x) | 1.3790% | 4,701 |
| Efficiency ratio | 70.5918% | 3,961 |
| Assets per employee ($millions) | 4.0365% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3698% | 1,515 |
| Loan loss allowance to noncurrent loans | 282.7994% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 2.8261% | 2,570 |
| Noncurrent loans to loans | 0.8380% | 5,543 |
| Net loans and leases to total assets | 57.4151% | 5,349 |
| Net loans and leases to deposits | 66.5837% | 5,594 |
| Net loans and leases to core deposits | 69.1694% | 5,829 |
| Total domestic deposits to total assets | 86.2300% | 2,959 |
| Equity capital to assets | 9.9313% | 4,246 |
| Core capital (leverage) ratio | 9.5269% | 3,863 |
| Tier 1 risk-based capital ratio | 14.4093% | 3,566 |
| Total risk-based capital ratio | 15.6701% | 3,530 |
| Memoranda: | ||
| Average total assets | $411,730,000 | 1,633 |
| Average earning assets | $368,222,500 | 1,662 |
| Average equity | $37,714,250 | 1,763 |
| Average total loans | $251,066,500 | 1,778 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 6,317 |
| Cost of funding earning assets | 1.2017% | 5,126 |
| Net interest margin | 3.4470% | 5,449 |
| Noninterest income to average assets | 0.6456% | 3,031 |
| Noninterest expense to average assets | 2.5842% | 5,385 |
| Loan and lease loss provision to assets | 0.6179% | 2,314 |
| Net operating income to assets | 0.4086% | 4,718 |
| Return on assets (ROA) | 0.5372% | 4,306 |
| Pretax return on assets | 0.6941% | 4,258 |
| Return on Equity (ROE) | 6.0345% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.0345% | 2,313 |
| Net charge-offs to loans | 1.6871% | 1,107 |
| Credit loss provision to net charge-offs | 59.3560% | 5,220 |
| Earnings coverage of net charge-offs (x) | 1.0999% | 4,690 |
| Efficiency ratio | 69.2979% | 4,317 |
| Assets per employee ($millions) | 3.9967% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2112% | 1,732 |
| Loan loss allowance to noncurrent loans | 104.8984% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 2.9428% | 2,437 |
| Noncurrent loans to loans | 2.1079% | 3,583 |
| Net loans and leases to total assets | 59.3586% | 5,186 |
| Net loans and leases to deposits | 68.4081% | 5,510 |
| Net loans and leases to core deposits | 71.0356% | 5,772 |
| Total domestic deposits to total assets | 86.7713% | 2,665 |
| Equity capital to assets | 9.3119% | 4,987 |
| Core capital (leverage) ratio | 8.7701% | 4,972 |
| Tier 1 risk-based capital ratio | 13.4065% | 4,132 |
| Total risk-based capital ratio | 14.6660% | 4,092 |
| Memoranda: | ||
| Average total assets | $411,730,670 | 1,652 |
| Average earning assets | $368,322,670 | 1,670 |
| Average equity | $36,655,670 | 1,815 |
| Average total loans | $254,044,670 | 1,786 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 6,462 |
| Cost of funding earning assets | 1.2046% | 5,385 |
| Net interest margin | 3.4277% | 5,473 |
| Noninterest income to average assets | 0.6773% | 2,757 |
| Noninterest expense to average assets | 2.5178% | 5,668 |
| Loan and lease loss provision to assets | 0.5869% | 2,157 |
| Net operating income to assets | 0.4845% | 4,474 |
| Return on assets (ROA) | 0.5715% | 4,170 |
| Pretax return on assets | 0.7504% | 4,058 |
| Return on Equity (ROE) | 6.5655% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.5655% | 2,339 |
| Net charge-offs to loans | 1.6461% | 1,059 |
| Credit loss provision to net charge-offs | 57.3308% | 4,355 |
| Earnings coverage of net charge-offs (x) | 1.1945% | 4,051 |
| Efficiency ratio | 67.3097% | 4,847 |
| Assets per employee ($millions) | 4.0795% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2887% | 1,596 |
| Loan loss allowance to noncurrent loans | 136.9718% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 2.6195% | 2,781 |
| Noncurrent loans to loans | 1.6709% | 4,240 |
| Net loans and leases to total assets | 59.8684% | 5,139 |
| Net loans and leases to deposits | 68.4842% | 5,535 |
| Net loans and leases to core deposits | 70.8930% | 5,835 |
| Total domestic deposits to total assets | 87.4193% | 2,404 |
| Equity capital to assets | 8.7802% | 5,589 |
| Core capital (leverage) ratio | 8.6665% | 5,081 |
| Tier 1 risk-based capital ratio | 12.7746% | 4,506 |
| Total risk-based capital ratio | 14.0352% | 4,463 |
| Memoranda: | ||
| Average total assets | $415,762,500 | 1,679 |
| Average earning assets | $371,566,000 | 1,701 |
| Average equity | $36,189,000 | 1,855 |
| Average total loans | $258,552,500 | 1,814 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 6,983 |
| Cost of funding earning assets | 2.0230% | 2,854 |
| Net interest margin | 2.7598% | 7,127 |
| Noninterest income to average assets | 0.5612% | 3,933 |
| Noninterest expense to average assets | 2.5392% | 5,987 |
| Loan and lease loss provision to assets | 1.9203% | 1,154 |
| Net operating income to assets | -0.7988% | 6,436 |
| Return on assets (ROA) | -0.7988% | 6,434 |
| Pretax return on assets | -1.4706% | 6,684 |
| Return on Equity (ROE) | -9.6015% | 6,592 |
| Retained earnings to average equity (ytd only) | -10.4223% | 6,550 |
| Net charge-offs to loans | 2.4515% | 936 |
| Credit loss provision to net charge-offs | 120.4049% | 4,445 |
| Earnings coverage of net charge-offs (x) | 0.2820% | 5,831 |
| Efficiency ratio | 84.9538% | 2,236 |
| Assets per employee ($millions) | 3.9944% | 3,825 |
| Cash dividends to net income (ytd only)* | -8.5490% | 7,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3990% | 1,350 |
| Loan loss allowance to noncurrent loans | 115.0357% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 2.7613% | 2,528 |
| Noncurrent loans to loans | 2.0854% | 3,542 |
| Net loans and leases to total assets | 61.5920% | 5,085 |
| Net loans and leases to deposits | 70.3548% | 5,564 |
| Net loans and leases to core deposits | 83.8698% | 5,724 |
| Total domestic deposits to total assets | 87.5449% | 2,199 |
| Equity capital to assets | 8.6282% | 5,696 |
| Core capital (leverage) ratio | 8.2864% | 5,647 |
| Tier 1 risk-based capital ratio | 11.8853% | 5,038 |
| Total risk-based capital ratio | 13.1465% | 4,992 |
| Memoranda: | ||
| Average total assets | $430,497,400 | 1,611 |
| Average earning assets | $378,686,400 | 1,663 |
| Average equity | $35,817,400 | 1,883 |
| Average total loans | $280,078,200 | 1,716 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7606% | 7,185 |
| Cost of funding earning assets | 2.2144% | 2,340 |
| Net interest margin | 2.5462% | 7,414 |
| Noninterest income to average assets | 0.6494% | 3,348 |
| Noninterest expense to average assets | 2.5710% | 5,820 |
| Loan and lease loss provision to assets | 1.6165% | 1,166 |
| Net operating income to assets | -0.7108% | 6,613 |
| Return on assets (ROA) | -0.7086% | 6,628 |
| Pretax return on assets | -1.3039% | 6,864 |
| Return on Equity (ROE) | -8.5931% | 6,777 |
| Retained earnings to average equity (ytd only) | -9.4121% | 6,755 |
| Net charge-offs to loans | 2.3329% | 804 |
| Credit loss provision to net charge-offs | 105.7441% | 4,808 |
| Earnings coverage of net charge-offs (x) | 0.2022% | 5,822 |
| Efficiency ratio | 89.2655% | 1,755 |
| Assets per employee ($millions) | 4.0909% | 3,581 |
| Cash dividends to net income (ytd only)* | -9.5322% | 7,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8713% | 2,096 |
| Loan loss allowance to noncurrent loans | 57.8359% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 2.8753% | 2,420 |
| Noncurrent loans to loans | 3.2355% | 2,339 |
| Net loans and leases to total assets | 63.7727% | 4,911 |
| Net loans and leases to deposits | 73.8176% | 5,384 |
| Net loans and leases to core deposits | 87.7193% | 5,668 |
| Total domestic deposits to total assets | 86.3923% | 2,480 |
| Equity capital to assets | 8.5683% | 6,155 |
| Core capital (leverage) ratio | 8.4626% | 5,559 |
| Tier 1 risk-based capital ratio | 11.9743% | 4,997 |
| Total risk-based capital ratio | 13.2305% | 4,929 |
| Memoranda: | ||
| Average total assets | $434,267,000 | 1,606 |
| Average earning assets | $380,475,000 | 1,670 |
| Average equity | $35,811,000 | 1,902 |
| Average total loans | $284,559,250 | 1,706 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 7,132 |
| Cost of funding earning assets | 2.5003% | 1,609 |
| Net interest margin | 2.3495% | 7,627 |
| Noninterest income to average assets | 0.6477% | 3,360 |
| Noninterest expense to average assets | 2.6738% | 5,480 |
| Loan and lease loss provision to assets | 2.1111% | 754 |
| Net operating income to assets | -1.2058% | 7,112 |
| Return on assets (ROA) | -1.2058% | 7,122 |
| Pretax return on assets | -2.1061% | 7,317 |
| Return on Equity (ROE) | -14.8104% | 7,319 |
| Retained earnings to average equity (ytd only) | -15.6363% | 7,277 |
| Net charge-offs to loans | 2.1821% | 839 |
| Credit loss provision to net charge-offs | 147.2559% | 3,137 |
| Earnings coverage of net charge-offs (x) | 0.0035% | 5,689 |
| Efficiency ratio | 99.8122% | 1,185 |
| Assets per employee ($millions) | 4.0771% | 3,542 |
| Cash dividends to net income (ytd only)* | -5.5766% | 7,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2534% | 1,161 |
| Loan loss allowance to noncurrent loans | 125.6213% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 1.8966% | 3,344 |
| Noncurrent loans to loans | 1.7938% | 3,809 |
| Net loans and leases to total assets | 65.1555% | 4,730 |
| Net loans and leases to deposits | 75.5662% | 5,234 |
| Net loans and leases to core deposits | 89.7037% | 5,561 |
| Total domestic deposits to total assets | 86.2231% | 2,661 |
| Equity capital to assets | 8.4078% | 6,179 |
| Core capital (leverage) ratio | 7.9689% | 6,390 |
| Tier 1 risk-based capital ratio | 11.6611% | 5,232 |
| Total risk-based capital ratio | 12.9193% | 5,155 |
| Memoranda: | ||
| Average total assets | $437,206,000 | 1,617 |
| Average earning assets | $377,958,670 | 1,714 |
| Average equity | $35,596,670 | 1,910 |
| Average total loans | $287,247,330 | 1,718 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 7,193 |
| Cost of funding earning assets | 2.6583% | 1,383 |
| Net interest margin | 2.2346% | 7,768 |
| Noninterest income to average assets | 0.5696% | 3,763 |
| Noninterest expense to average assets | 2.9257% | 4,071 |
| Loan and lease loss provision to assets | 3.7882% | 259 |
| Net operating income to assets | -2.5354% | 7,772 |
| Return on assets (ROA) | -2.5354% | 7,772 |
| Pretax return on assets | -4.2569% | 7,934 |
| Return on Equity (ROE) | -31.6338% | 7,920 |
| Retained earnings to average equity (ytd only) | -32.4660% | 7,883 |
| Net charge-offs to loans | 2.3623% | 616 |
| Credit loss provision to net charge-offs | 245.7895% | 1,904 |
| Earnings coverage of net charge-offs (x) | -0.3041% | 5,184 |
| Efficiency ratio | 119.0756% | 650 |
| Assets per employee ($millions) | 4.3367% | 3,002 |
| Cash dividends to net income (ytd only)* | -2.6306% | 8,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5774% | 708 |
| Loan loss allowance to noncurrent loans | 759.4650% | 499 |
| Noncurrent assets plus other real estate owned to assets | 1.6776% | 3,410 |
| Noncurrent loans to loans | 0.3394% | 6,582 |
| Net loans and leases to total assets | 61.8673% | 5,359 |
| Net loans and leases to deposits | 72.2297% | 5,715 |
| Net loans and leases to core deposits | 89.6972% | 5,586 |
| Total domestic deposits to total assets | 85.6534% | 2,898 |
| Equity capital to assets | 7.9135% | 6,944 |
| Core capital (leverage) ratio | 7.9883% | 6,470 |
| Tier 1 risk-based capital ratio | 11.3688% | 5,538 |
| Total risk-based capital ratio | 12.6328% | 5,423 |
| Memoranda: | ||
| Average total assets | $443,798,500 | 1,602 |
| Average earning assets | $374,830,500 | 1,730 |
| Average equity | $35,569,500 | 1,921 |
| Average total loans | $289,550,000 | 1,713 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2767% | 4,088 |
| Cost of funding earning assets | 2.8096% | 2,666 |
| Net interest margin | 3.4671% | 5,415 |
| Noninterest income to average assets | 0.5191% | 4,473 |
| Noninterest expense to average assets | 2.9248% | 4,359 |
| Loan and lease loss provision to assets | 0.9940% | 1,483 |
| Net operating income to assets | -0.1427% | 6,549 |
| Return on assets (ROA) | -0.1420% | 6,398 |
| Pretax return on assets | -0.4197% | 6,562 |
| Return on Equity (ROE) | -1.5684% | 6,443 |
| Retained earnings to average equity (ytd only) | -5.9398% | 6,659 |
| Net charge-offs to loans | 1.0060% | 1,231 |
| Credit loss provision to net charge-offs | 134.6541% | 3,956 |
| Earnings coverage of net charge-offs (x) | 0.7767% | 5,762 |
| Efficiency ratio | 83.6097% | 2,103 |
| Assets per employee ($millions) | 3.8981% | 3,741 |
| Cash dividends to net income (ytd only)* | -278.7086% | 8,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 2,000 |
| Loan loss allowance to noncurrent loans | 107.9744% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 2.6094% | 1,838 |
| Noncurrent loans to loans | 1.5467% | 3,476 |
| Net loans and leases to total assets | 65.9210% | 4,865 |
| Net loans and leases to deposits | 77.2748% | 5,435 |
| Net loans and leases to core deposits | 95.5768% | 5,291 |
| Total domestic deposits to total assets | 85.3073% | 2,700 |
| Equity capital to assets | 8.1194% | 6,669 |
| Core capital (leverage) ratio | 8.4181% | 5,716 |
| Tier 1 risk-based capital ratio | 11.0285% | 5,701 |
| Total risk-based capital ratio | 12.2820% | 5,593 |
| Memoranda: | ||
| Average total assets | $403,417,200 | 1,690 |
| Average earning assets | $346,633,000 | 1,784 |
| Average equity | $36,533,400 | 1,852 |
| Average total loans | $296,038,200 | 1,630 |