Home > First Partners Bank > Performance and Condition Ratios
First Partners Bank, Performance and Condition Ratios
| 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 | 4.7334% | 882 |
| Cost of funding earning assets | 0.7380% | 699 |
| Net interest margin | 3.9954% | 1,485 |
| Noninterest income to average assets | 0.7273% | 1,842 |
| Noninterest expense to average assets | 2.9850% | 2,200 |
| Loan and lease loss provision to assets | 0.1243% | 1,543 |
| Net operating income to assets | 1.0388% | 2,122 |
| Return on assets (ROA) | 1.0388% | 2,171 |
| Pretax return on assets | 1.4861% | 1,584 |
| Return on Equity (ROE) | 9.4008% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.4008% | 947 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9565% | 3,670 |
| Assets per employee ($millions) | 5.7209% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 4,176 |
| Loan loss allowance to noncurrent loans | 9,479.1667% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 5,280 |
| Noncurrent loans to loans | 0.0107% | 5,202 |
| Net loans and leases to total assets | 77.3586% | 1,220 |
| Net loans and leases to deposits | 95.5325% | 971 |
| Net loans and leases to core deposits | 113.7200% | 689 |
| Total domestic deposits to total assets | 80.9762% | 4,417 |
| Equity capital to assets | 10.9590% | 2,673 |
| Core capital (leverage) ratio | 10.9030% | 2,472 |
| Tier 1 risk-based capital ratio | 13.0013% | 4,079 |
| Total risk-based capital ratio | 13.9408% | 4,170 |
| Memoranda: | ||
| Average total assets | $279,928,500 | 2,326 |
| Average earning assets | $271,012,500 | 2,240 |
| Average equity | $30,933,500 | 2,300 |
| Average total loans | $222,329,500 | 2,006 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0386% | 555 |
| Cost of funding earning assets | 0.6944% | 833 |
| Net interest margin | 4.3441% | 863 |
| Noninterest income to average assets | 1.1430% | 871 |
| Noninterest expense to average assets | 3.4422% | 1,272 |
| Loan and lease loss provision to assets | 0.1192% | 2,076 |
| Net operating income to assets | 1.1816% | 1,561 |
| Return on assets (ROA) | 1.1824% | 1,657 |
| Pretax return on assets | 1.6997% | 1,002 |
| Return on Equity (ROE) | 10.3279% | 1,838 |
| Retained earnings to average equity (ytd only) | 8.8116% | 624 |
| Net charge-offs to loans | 0.0982% | 2,314 |
| Credit loss provision to net charge-offs | 150.7317% | 1,814 |
| Earnings coverage of net charge-offs (x) | 22.9854% | 1,707 |
| Efficiency ratio | 65.4419% | 3,684 |
| Assets per employee ($millions) | 4.6408% | 2,897 |
| Cash dividends to net income (ytd only)* | 14.6819% | 3,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 4,398 |
| Loan loss allowance to noncurrent loans | 3,171.0145% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 5,228 |
| Noncurrent loans to loans | 0.0312% | 5,144 |
| Net loans and leases to total assets | 79.9511% | 899 |
| Net loans and leases to deposits | 99.5584% | 694 |
| Net loans and leases to core deposits | 115.8514% | 625 |
| Total domestic deposits to total assets | 80.3057% | 4,506 |
| Equity capital to assets | 11.1461% | 2,482 |
| Core capital (leverage) ratio | 11.6013% | 1,861 |
| Tier 1 risk-based capital ratio | 12.7967% | 4,207 |
| Total risk-based capital ratio | 13.7071% | 4,296 |
| Memoranda: | ||
| Average total assets | $259,226,200 | 2,445 |
| Average earning assets | $245,665,600 | 2,392 |
| Average equity | $29,676,800 | 2,376 |
| Average total loans | $208,861,600 | 2,052 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 517 |
| Cost of funding earning assets | 0.6758% | 923 |
| Net interest margin | 4.4060% | 766 |
| Noninterest income to average assets | 1.1550% | 854 |
| Noninterest expense to average assets | 3.4822% | 1,183 |
| Loan and lease loss provision to assets | 0.1262% | 1,850 |
| Net operating income to assets | 1.1883% | 1,677 |
| Return on assets (ROA) | 1.1894% | 1,769 |
| Pretax return on assets | 1.7080% | 1,095 |
| Return on Equity (ROE) | 10.3166% | 1,920 |
| Retained earnings to average equity (ytd only) | 8.2805% | 1,054 |
| Net charge-offs to loans | 0.0091% | 3,610 |
| Credit loss provision to net charge-offs | 1,728.5714% | 271 |
| Earnings coverage of net charge-offs (x) | 250.8773% | 319 |
| Efficiency ratio | 65.5183% | 3,673 |
| Assets per employee ($millions) | 4.6107% | 2,908 |
| Cash dividends to net income (ytd only)* | 19.7370% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 4,088 |
| Loan loss allowance to noncurrent loans | 444.8077% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 4,618 |
| Noncurrent loans to loans | 0.2375% | 4,423 |
| Net loans and leases to total assets | 80.9981% | 757 |
| Net loans and leases to deposits | 101.2717% | 622 |
| Net loans and leases to core deposits | 118.4210% | 562 |
| Total domestic deposits to total assets | 79.9809% | 4,519 |
| Equity capital to assets | 11.3967% | 2,603 |
| Core capital (leverage) ratio | 11.4502% | 2,076 |
| Tier 1 risk-based capital ratio | 12.7620% | 4,300 |
| Total risk-based capital ratio | 13.7470% | 4,377 |
| Memoranda: | ||
| Average total assets | $255,580,250 | 2,469 |
| Average earning assets | $241,300,500 | 2,433 |
| Average equity | $29,466,250 | 2,406 |
| Average total loans | $205,801,500 | 2,081 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0906% | 503 |
| Cost of funding earning assets | 0.6538% | 1,037 |
| Net interest margin | 4.4368% | 707 |
| Noninterest income to average assets | 1.0730% | 971 |
| Noninterest expense to average assets | 3.4391% | 1,295 |
| Loan and lease loss provision to assets | 0.1685% | 1,322 |
| Net operating income to assets | 1.1239% | 1,873 |
| Return on assets (ROA) | 1.1239% | 1,984 |
| Pretax return on assets | 1.6079% | 1,354 |
| Return on Equity (ROE) | 9.7084% | 2,179 |
| Retained earnings to average equity (ytd only) | 7.6486% | 1,315 |
| Net charge-offs to loans | 0.0735% | 2,134 |
| Credit loss provision to net charge-offs | 286.4865% | 997 |
| Earnings coverage of net charge-offs (x) | 30.2027% | 1,384 |
| Efficiency ratio | 65.9403% | 3,689 |
| Assets per employee ($millions) | 4.5603% | 2,921 |
| Cash dividends to net income (ytd only)* | 21.2164% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 4,235 |
| Loan loss allowance to noncurrent loans | 464.8536% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 4,728 |
| Noncurrent loans to loans | 0.2259% | 4,531 |
| Net loans and leases to total assets | 79.1745% | 1,040 |
| Net loans and leases to deposits | 98.9510% | 792 |
| Net loans and leases to core deposits | 119.5994% | 526 |
| Total domestic deposits to total assets | 80.0138% | 4,542 |
| Equity capital to assets | 11.2893% | 2,751 |
| Core capital (leverage) ratio | 11.9439% | 1,665 |
| Tier 1 risk-based capital ratio | 12.7237% | 4,370 |
| Total risk-based capital ratio | 13.6902% | 4,478 |
| Memoranda: | ||
| Average total assets | $251,633,670 | 2,520 |
| Average earning assets | $234,943,670 | 2,498 |
| Average equity | $29,129,330 | 2,437 |
| Average total loans | $201,429,330 | 2,118 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 456 |
| Cost of funding earning assets | 0.6650% | 969 |
| Net interest margin | 4.4806% | 631 |
| Noninterest income to average assets | 0.8320% | 1,507 |
| Noninterest expense to average assets | 3.3801% | 1,425 |
| Loan and lease loss provision to assets | 0.1599% | 1,303 |
| Net operating income to assets | 1.0424% | 2,110 |
| Return on assets (ROA) | 1.0424% | 2,232 |
| Pretax return on assets | 1.4796% | 1,660 |
| Return on Equity (ROE) | 8.8861% | 2,477 |
| Retained earnings to average equity (ytd only) | 6.8002% | 1,975 |
| Net charge-offs to loans | -0.0081% | 4,453 |
| Credit loss provision to net charge-offs | -2,450.0000% | 4,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3383% | 3,573 |
| Assets per employee ($millions) | 4.6824% | 2,773 |
| Cash dividends to net income (ytd only)* | 23.4742% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 4,089 |
| Loan loss allowance to noncurrent loans | 569.5313% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 4,912 |
| Noncurrent loans to loans | 0.1921% | 4,725 |
| Net loans and leases to total assets | 79.6651% | 867 |
| Net loans and leases to deposits | 99.8833% | 630 |
| Net loans and leases to core deposits | 121.4592% | 429 |
| Total domestic deposits to total assets | 79.7581% | 4,800 |
| Equity capital to assets | 11.7061% | 2,239 |
| Core capital (leverage) ratio | 11.6334% | 1,883 |
| Tier 1 risk-based capital ratio | 13.3203% | 4,088 |
| Total risk-based capital ratio | 14.3374% | 4,125 |
| Memoranda: | ||
| Average total assets | $245,201,500 | 2,580 |
| Average earning assets | $229,168,000 | 2,558 |
| Average equity | $28,764,000 | 2,452 |
| Average total loans | $196,325,500 | 2,155 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1990% | 431 |
| Cost of funding earning assets | 0.6654% | 988 |
| Net interest margin | 4.5336% | 618 |
| Noninterest income to average assets | 1.0309% | 1,111 |
| Noninterest expense to average assets | 3.3634% | 1,565 |
| Loan and lease loss provision to assets | 0.2298% | 867 |
| Net operating income to assets | 1.1583% | 1,706 |
| Return on assets (ROA) | 1.1690% | 1,745 |
| Pretax return on assets | 1.6910% | 1,019 |
| Return on Equity (ROE) | 9.7163% | 2,124 |
| Retained earnings to average equity (ytd only) | 7.9428% | 934 |
| Net charge-offs to loans | 0.0732% | 2,784 |
| Credit loss provision to net charge-offs | 396.2687% | 768 |
| Earnings coverage of net charge-offs (x) | 32.8507% | 1,364 |
| Efficiency ratio | 63.8380% | 4,306 |
| Assets per employee ($millions) | 4.6583% | 2,797 |
| Cash dividends to net income (ytd only)* | 18.2525% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 4,144 |
| Loan loss allowance to noncurrent loans | 2,706.4935% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 5,514 |
| Noncurrent loans to loans | 0.0399% | 5,359 |
| Net loans and leases to total assets | 78.7156% | 1,030 |
| Net loans and leases to deposits | 99.2251% | 735 |
| Net loans and leases to core deposits | 113.6993% | 695 |
| Total domestic deposits to total assets | 79.3303% | 4,899 |
| Equity capital to assets | 11.7560% | 2,147 |
| Core capital (leverage) ratio | 11.9245% | 1,662 |
| Tier 1 risk-based capital ratio | 13.2232% | 4,151 |
| Total risk-based capital ratio | 14.2025% | 4,259 |
| Memoranda: | ||
| Average total assets | $231,049,200 | 2,654 |
| Average earning assets | $215,966,600 | 2,624 |
| Average equity | $27,798,600 | 2,480 |
| Average total loans | $183,147,800 | 2,208 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 430 |
| Cost of funding earning assets | 0.6615% | 1,024 |
| Net interest margin | 4.5563% | 582 |
| Noninterest income to average assets | 0.9924% | 1,204 |
| Noninterest expense to average assets | 3.3401% | 1,595 |
| Loan and lease loss provision to assets | 0.2418% | 724 |
| Net operating income to assets | 1.1546% | 1,815 |
| Return on assets (ROA) | 1.1607% | 1,861 |
| Pretax return on assets | 1.6800% | 1,163 |
| Return on Equity (ROE) | 9.5887% | 2,275 |
| Retained earnings to average equity (ytd only) | 7.2434% | 1,580 |
| Net charge-offs to loans | 0.0760% | 2,478 |
| Credit loss provision to net charge-offs | 401.9417% | 755 |
| Earnings coverage of net charge-offs (x) | 31.7961% | 1,443 |
| Efficiency ratio | 63.5828% | 4,321 |
| Assets per employee ($millions) | 4.8833% | 2,444 |
| Cash dividends to net income (ytd only)* | 24.4588% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 4,565 |
| Loan loss allowance to noncurrent loans | 127.0013% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6549% | 3,290 |
| Noncurrent loans to loans | 0.8130% | 2,938 |
| Net loans and leases to total assets | 78.4773% | 1,029 |
| Net loans and leases to deposits | 97.4505% | 870 |
| Net loans and leases to core deposits | 111.5636% | 786 |
| Total domestic deposits to total assets | 80.5305% | 4,596 |
| Equity capital to assets | 11.6306% | 2,394 |
| Core capital (leverage) ratio | 12.1485% | 1,593 |
| Tier 1 risk-based capital ratio | 13.5508% | 4,113 |
| Total risk-based capital ratio | 14.5137% | 4,202 |
| Memoranda: | ||
| Average total assets | $228,253,000 | 2,698 |
| Average earning assets | $213,443,500 | 2,663 |
| Average equity | $27,629,000 | 2,505 |
| Average total loans | $180,744,750 | 2,236 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1718% | 448 |
| Cost of funding earning assets | 0.6610% | 1,042 |
| Net interest margin | 4.5108% | 627 |
| Noninterest income to average assets | 0.9751% | 1,235 |
| Noninterest expense to average assets | 3.3873% | 1,495 |
| Loan and lease loss provision to assets | 0.2790% | 583 |
| Net operating income to assets | 1.0711% | 2,052 |
| Return on assets (ROA) | 1.0711% | 2,152 |
| Pretax return on assets | 1.5331% | 1,546 |
| Return on Equity (ROE) | 8.7240% | 2,689 |
| Retained earnings to average equity (ytd only) | 6.3640% | 2,028 |
| Net charge-offs to loans | 0.0669% | 2,428 |
| Credit loss provision to net charge-offs | 527.1186% | 606 |
| Earnings coverage of net charge-offs (x) | 34.2373% | 1,251 |
| Efficiency ratio | 65.1484% | 4,163 |
| Assets per employee ($millions) | 4.8352% | 2,497 |
| Cash dividends to net income (ytd only)* | 27.0519% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 4,656 |
| Loan loss allowance to noncurrent loans | 125.8923% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 3,378 |
| Noncurrent loans to loans | 0.8264% | 3,057 |
| Net loans and leases to total assets | 79.5049% | 868 |
| Net loans and leases to deposits | 98.5005% | 748 |
| Net loans and leases to core deposits | 117.8075% | 534 |
| Total domestic deposits to total assets | 80.7152% | 4,689 |
| Equity capital to assets | 11.9419% | 2,073 |
| Core capital (leverage) ratio | 12.0822% | 1,605 |
| Tier 1 risk-based capital ratio | 14.8513% | 3,445 |
| Total risk-based capital ratio | 15.8989% | 3,480 |
| Memoranda: | ||
| Average total assets | $222,948,670 | 2,770 |
| Average earning assets | $208,787,330 | 2,724 |
| Average equity | $27,372,670 | 2,531 |
| Average total loans | $176,455,000 | 2,294 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 510 |
| Cost of funding earning assets | 0.6536% | 1,093 |
| Net interest margin | 4.4150% | 708 |
| Noninterest income to average assets | 0.9103% | 1,356 |
| Noninterest expense to average assets | 3.3154% | 1,683 |
| Loan and lease loss provision to assets | 0.3297% | 413 |
| Net operating income to assets | 0.9946% | 2,294 |
| Return on assets (ROA) | 0.9946% | 2,421 |
| Pretax return on assets | 1.4104% | 1,856 |
| Return on Equity (ROE) | 7.9850% | 2,965 |
| Retained earnings to average equity (ytd only) | 5.6321% | 2,694 |
| Net charge-offs to loans | 0.0513% | 2,268 |
| Credit loss provision to net charge-offs | 818.1818% | 384 |
| Earnings coverage of net charge-offs (x) | 43.1818% | 929 |
| Efficiency ratio | 65.5797% | 4,225 |
| Assets per employee ($millions) | 4.8981% | 2,491 |
| Cash dividends to net income (ytd only)* | 29.4659% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 4,825 |
| Loan loss allowance to noncurrent loans | 92.3886% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.9196% | 2,799 |
| Noncurrent loans to loans | 1.1254% | 2,523 |
| Net loans and leases to total assets | 76.2800% | 1,172 |
| Net loans and leases to deposits | 92.5269% | 1,131 |
| Net loans and leases to core deposits | 108.4323% | 804 |
| Total domestic deposits to total assets | 82.4409% | 4,370 |
| Equity capital to assets | 11.9065% | 2,098 |
| Core capital (leverage) ratio | 12.1695% | 1,535 |
| Tier 1 risk-based capital ratio | 15.4387% | 3,180 |
| Total risk-based capital ratio | 16.4931% | 3,221 |
| Memoranda: | ||
| Average total assets | $218,378,000 | 2,816 |
| Average earning assets | $205,029,000 | 2,781 |
| Average equity | $27,201,000 | 2,560 |
| Average total loans | $171,451,000 | 2,357 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 527 |
| Cost of funding earning assets | 0.5782% | 1,971 |
| Net interest margin | 4.6143% | 603 |
| Noninterest income to average assets | 1.0398% | 1,134 |
| Noninterest expense to average assets | 3.4147% | 1,666 |
| Loan and lease loss provision to assets | 0.2215% | 1,109 |
| Net operating income to assets | 1.1999% | 1,587 |
| Return on assets (ROA) | 1.2016% | 1,638 |
| Pretax return on assets | 1.7362% | 916 |
| Return on Equity (ROE) | 9.3386% | 2,420 |
| Retained earnings to average equity (ytd only) | 7.4353% | 1,220 |
| Net charge-offs to loans | 0.2759% | 1,569 |
| Credit loss provision to net charge-offs | 103.9720% | 2,304 |
| Earnings coverage of net charge-offs (x) | 9.1776% | 2,783 |
| Efficiency ratio | 63.5892% | 4,648 |
| Assets per employee ($millions) | 4.8034% | 2,584 |
| Cash dividends to net income (ytd only)* | 20.3811% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 4,946 |
| Loan loss allowance to noncurrent loans | 87.9625% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 0.9751% | 2,806 |
| Noncurrent loans to loans | 1.1599% | 2,516 |
| Net loans and leases to total assets | 79.2873% | 846 |
| Net loans and leases to deposits | 99.0684% | 682 |
| Net loans and leases to core deposits | 108.3654% | 867 |
| Total domestic deposits to total assets | 80.0329% | 5,008 |
| Equity capital to assets | 13.0683% | 1,336 |
| Core capital (leverage) ratio | 13.0430% | 1,119 |
| Tier 1 risk-based capital ratio | 16.1421% | 2,892 |
| Total risk-based capital ratio | 17.1652% | 2,955 |
| Memoranda: | ||
| Average total assets | $200,897,000 | 2,982 |
| Average earning assets | $188,523,200 | 2,930 |
| Average equity | $25,849,600 | 2,586 |
| Average total loans | $155,122,200 | 2,491 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 633 |
| Cost of funding earning assets | 0.5616% | 2,179 |
| Net interest margin | 4.5465% | 688 |
| Noninterest income to average assets | 0.9611% | 1,332 |
| Noninterest expense to average assets | 3.3746% | 1,726 |
| Loan and lease loss provision to assets | 0.2246% | 1,011 |
| Net operating income to assets | 1.1285% | 1,938 |
| Return on assets (ROA) | 1.1309% | 1,992 |
| Pretax return on assets | 1.6235% | 1,251 |
| Return on Equity (ROE) | 8.8247% | 2,769 |
| Retained earnings to average equity (ytd only) | 6.3264% | 2,201 |
| Net charge-offs to loans | 0.2439% | 1,574 |
| Credit loss provision to net charge-offs | 120.4301% | 1,911 |
| Earnings coverage of net charge-offs (x) | 9.8925% | 2,608 |
| Efficiency ratio | 64.6562% | 4,439 |
| Assets per employee ($millions) | 4.7948% | 2,524 |
| Cash dividends to net income (ytd only)* | 28.3097% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 4,928 |
| Loan loss allowance to noncurrent loans | 80.9836% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1446% | 2,662 |
| Noncurrent loans to loans | 1.3138% | 2,457 |
| Net loans and leases to total assets | 77.9787% | 964 |
| Net loans and leases to deposits | 95.2239% | 939 |
| Net loans and leases to core deposits | 102.9691% | 1,153 |
| Total domestic deposits to total assets | 81.8899% | 4,512 |
| Equity capital to assets | 12.7177% | 1,572 |
| Core capital (leverage) ratio | 12.9460% | 1,204 |
| Tier 1 risk-based capital ratio | 16.2363% | 2,936 |
| Total risk-based capital ratio | 17.3192% | 2,979 |
| Memoranda: | ||
| Average total assets | $199,485,000 | 3,026 |
| Average earning assets | $186,835,250 | 2,971 |
| Average equity | $25,564,000 | 2,618 |
| Average total loans | $152,539,750 | 2,534 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1000% | 617 |
| Cost of funding earning assets | 0.5391% | 2,444 |
| Net interest margin | 4.5609% | 623 |
| Noninterest income to average assets | 0.7402% | 2,093 |
| Noninterest expense to average assets | 3.3642% | 1,772 |
| Loan and lease loss provision to assets | 0.2291% | 1,000 |
| Net operating income to assets | 1.0058% | 2,300 |
| Return on assets (ROA) | 1.0058% | 2,366 |
| Pretax return on assets | 1.4185% | 1,823 |
| Return on Equity (ROE) | 7.8280% | 3,194 |
| Retained earnings to average equity (ytd only) | 6.4628% | 2,056 |
| Net charge-offs to loans | 0.3270% | 1,250 |
| Credit loss provision to net charge-offs | 92.6230% | 2,134 |
| Earnings coverage of net charge-offs (x) | 6.6598% | 2,741 |
| Efficiency ratio | 67.1252% | 4,173 |
| Assets per employee ($millions) | 4.4809% | 2,952 |
| Cash dividends to net income (ytd only)* | 17.4395% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 5,103 |
| Loan loss allowance to noncurrent loans | 85.4264% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.1210% | 2,840 |
| Noncurrent loans to loans | 1.2326% | 2,765 |
| Net loans and leases to total assets | 80.6176% | 611 |
| Net loans and leases to deposits | 99.5622% | 580 |
| Net loans and leases to core deposits | 105.7953% | 905 |
| Total domestic deposits to total assets | 80.9721% | 4,990 |
| Equity capital to assets | 13.3667% | 1,205 |
| Core capital (leverage) ratio | 13.6273% | 941 |
| Tier 1 risk-based capital ratio | 16.5647% | 2,796 |
| Total risk-based capital ratio | 17.6373% | 2,841 |
| Memoranda: | ||
| Average total assets | $197,254,000 | 3,067 |
| Average earning assets | $184,744,670 | 3,015 |
| Average equity | $25,345,000 | 2,625 |
| Average total loans | $149,218,330 | 2,588 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 957 |
| Cost of funding earning assets | 0.5198% | 2,720 |
| Net interest margin | 4.3248% | 954 |
| Noninterest income to average assets | 0.5553% | 3,014 |
| Noninterest expense to average assets | 3.2515% | 2,068 |
| Loan and lease loss provision to assets | 0.2045% | 1,133 |
| Net operating income to assets | 0.8520% | 2,886 |
| Return on assets (ROA) | 0.8520% | 2,958 |
| Pretax return on assets | 1.1687% | 2,625 |
| Return on Equity (ROE) | 6.7621% | 3,601 |
| Retained earnings to average equity (ytd only) | 4.2164% | 3,600 |
| Net charge-offs to loans | 0.6853% | 533 |
| Credit loss provision to net charge-offs | 40.9639% | 2,292 |
| Earnings coverage of net charge-offs (x) | 2.7510% | 2,808 |
| Efficiency ratio | 70.3078% | 3,778 |
| Assets per employee ($millions) | 4.8984% | 2,377 |
| Cash dividends to net income (ytd only)* | 37.6471% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 5,415 |
| Loan loss allowance to noncurrent loans | 483.8095% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 5,729 |
| Noncurrent loans to loans | 0.2122% | 5,457 |
| Net loans and leases to total assets | 78.9140% | 666 |
| Net loans and leases to deposits | 96.4490% | 625 |
| Net loans and leases to core deposits | 105.5108% | 774 |
| Total domestic deposits to total assets | 81.8194% | 4,990 |
| Equity capital to assets | 13.4368% | 1,124 |
| Core capital (leverage) ratio | 12.9130% | 1,196 |
| Tier 1 risk-based capital ratio | 16.8606% | 2,750 |
| Total risk-based capital ratio | 17.8895% | 2,806 |
| Memoranda: | ||
| Average total assets | $199,541,000 | 3,056 |
| Average earning assets | $187,756,000 | 2,997 |
| Average equity | $25,140,000 | 2,630 |
| Average total loans | $145,334,000 | 2,653 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 819 |
| Cost of funding earning assets | 0.5817% | 2,820 |
| Net interest margin | 4.4751% | 777 |
| Noninterest income to average assets | 0.7385% | 2,339 |
| Noninterest expense to average assets | 2.8254% | 3,635 |
| Loan and lease loss provision to assets | 0.5394% | 496 |
| Net operating income to assets | 1.1209% | 1,865 |
| Return on assets (ROA) | 1.1209% | 1,929 |
| Pretax return on assets | 1.5849% | 1,207 |
| Return on Equity (ROE) | 8.0263% | 3,025 |
| Retained earnings to average equity (ytd only) | 7.8150% | 1,118 |
| Net charge-offs to loans | 0.8514% | 723 |
| Credit loss provision to net charge-offs | 84.3085% | 2,919 |
| Earnings coverage of net charge-offs (x) | 3.3200% | 3,893 |
| Efficiency ratio | 57.0823% | 5,841 |
| Assets per employee ($millions) | 6.4528% | 1,007 |
| Cash dividends to net income (ytd only)* | 2.6316% | 4,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 4,785 |
| Loan loss allowance to noncurrent loans | 341.7178% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 5,592 |
| Noncurrent loans to loans | 0.3437% | 5,155 |
| Net loans and leases to total assets | 66.0192% | 2,685 |
| Net loans and leases to deposits | 78.7114% | 2,634 |
| Net loans and leases to core deposits | 82.5634% | 2,825 |
| Total domestic deposits to total assets | 83.8751% | 4,212 |
| Equity capital to assets | 11.8665% | 1,893 |
| Core capital (leverage) ratio | 13.1471% | 1,084 |
| Tier 1 risk-based capital ratio | 17.8513% | 2,289 |
| Total risk-based capital ratio | 19.0249% | 2,286 |
| Memoranda: | ||
| Average total assets | $176,292,400 | 3,318 |
| Average earning assets | $165,894,800 | 3,270 |
| Average equity | $24,619,200 | 2,668 |
| Average total loans | $132,489,600 | 2,815 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 647 |
| Cost of funding earning assets | 0.6072% | 2,753 |
| Net interest margin | 4.5914% | 630 |
| Noninterest income to average assets | 0.8839% | 1,810 |
| Noninterest expense to average assets | 2.7060% | 4,001 |
| Loan and lease loss provision to assets | 0.6430% | 356 |
| Net operating income to assets | 1.2932% | 1,371 |
| Return on assets (ROA) | 1.2932% | 1,435 |
| Pretax return on assets | 1.8540% | 791 |
| Return on Equity (ROE) | 8.8372% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.6245% | 1,185 |
| Net charge-offs to loans | 0.8889% | 653 |
| Credit loss provision to net charge-offs | 92.9642% | 2,557 |
| Earnings coverage of net charge-offs (x) | 3.6102% | 3,654 |
| Efficiency ratio | 52.0086% | 6,253 |
| Assets per employee ($millions) | 6.0651% | 1,195 |
| Cash dividends to net income (ytd only)* | 2.4060% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 4,159 |
| Loan loss allowance to noncurrent loans | 231.9066% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 3,687 |
| Noncurrent loans to loans | 0.5803% | 4,752 |
| Net loans and leases to total assets | 77.1867% | 850 |
| Net loans and leases to deposits | 96.4334% | 661 |
| Net loans and leases to core deposits | 102.1604% | 987 |
| Total domestic deposits to total assets | 80.0415% | 5,498 |
| Equity capital to assets | 14.6648% | 783 |
| Core capital (leverage) ratio | 15.1958% | 609 |
| Tier 1 risk-based capital ratio | 18.5516% | 2,125 |
| Total risk-based capital ratio | 19.8026% | 2,094 |
| Memoranda: | ||
| Average total assets | $167,129,500 | 3,490 |
| Average earning assets | $157,218,750 | 3,421 |
| Average equity | $24,456,750 | 2,713 |
| Average total loans | $130,048,250 | 2,880 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 637 |
| Cost of funding earning assets | 0.6025% | 2,910 |
| Net interest margin | 4.6011% | 595 |
| Noninterest income to average assets | 0.8927% | 1,834 |
| Noninterest expense to average assets | 2.6361% | 4,262 |
| Loan and lease loss provision to assets | 0.8386% | 250 |
| Net operating income to assets | 1.1406% | 1,780 |
| Return on assets (ROA) | 1.1406% | 1,892 |
| Pretax return on assets | 1.7638% | 993 |
| Return on Equity (ROE) | 7.8000% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.5861% | 1,631 |
| Net charge-offs to loans | 1.2718% | 448 |
| Credit loss provision to net charge-offs | 84.8965% | 2,543 |
| Earnings coverage of net charge-offs (x) | 2.6346% | 3,644 |
| Efficiency ratio | 50.3215% | 6,407 |
| Assets per employee ($millions) | 6.5333% | 887 |
| Cash dividends to net income (ytd only)* | 2.7426% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 4,499 |
| Loan loss allowance to noncurrent loans | 105.3757% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 3,851 |
| Noncurrent loans to loans | 1.2359% | 3,484 |
| Net loans and leases to total assets | 76.9582% | 869 |
| Net loans and leases to deposits | 95.5557% | 703 |
| Net loans and leases to core deposits | 100.7429% | 1,028 |
| Total domestic deposits to total assets | 80.5375% | 5,465 |
| Equity capital to assets | 14.3643% | 856 |
| Core capital (leverage) ratio | 15.0201% | 609 |
| Tier 1 risk-based capital ratio | 18.7089% | 2,077 |
| Total risk-based capital ratio | 19.9602% | 2,046 |
| Memoranda: | ||
| Average total assets | $166,232,000 | 3,523 |
| Average earning assets | $157,006,000 | 3,449 |
| Average equity | $24,307,670 | 2,738 |
| Average total loans | $129,108,330 | 2,898 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2762% | 533 |
| Cost of funding earning assets | 0.5963% | 3,136 |
| Net interest margin | 4.6799% | 489 |
| Noninterest income to average assets | 1.6130% | 602 |
| Noninterest expense to average assets | 2.6251% | 4,317 |
| Loan and lease loss provision to assets | 1.3040% | 118 |
| Net operating income to assets | 1.3965% | 1,031 |
| Return on assets (ROA) | 1.3965% | 1,118 |
| Pretax return on assets | 2.0947% | 499 |
| Return on Equity (ROE) | 9.4636% | 2,288 |
| Retained earnings to average equity (ytd only) | 9.2492% | 1,310 |
| Net charge-offs to loans | 0.7282% | 838 |
| Credit loss provision to net charge-offs | 231.0345% | 983 |
| Earnings coverage of net charge-offs (x) | 6.0216% | 2,285 |
| Efficiency ratio | 43.5784% | 6,789 |
| Assets per employee ($millions) | 7.2400% | 697 |
| Cash dividends to net income (ytd only)* | 2.2648% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 2,991 |
| Loan loss allowance to noncurrent loans | 90.4622% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 2.0700% | 2,267 |
| Noncurrent loans to loans | 1.8846% | 2,755 |
| Net loans and leases to total assets | 74.5474% | 1,008 |
| Net loans and leases to deposits | 93.2877% | 712 |
| Net loans and leases to core deposits | 98.9218% | 1,012 |
| Total domestic deposits to total assets | 79.9112% | 5,772 |
| Equity capital to assets | 14.7063% | 824 |
| Core capital (leverage) ratio | 14.6919% | 635 |
| Tier 1 risk-based capital ratio | 19.1542% | 1,998 |
| Total risk-based capital ratio | 20.4099% | 1,970 |
| Memoranda: | ||
| Average total assets | $164,415,500 | 3,589 |
| Average earning assets | $154,959,500 | 3,513 |
| Average equity | $24,261,500 | 2,781 |
| Average total loans | $127,437,500 | 2,943 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1294% | 1,243 |
| Cost of funding earning assets | 0.6726% | 3,716 |
| Net interest margin | 4.4568% | 1,029 |
| Noninterest income to average assets | 0.3830% | 4,729 |
| Noninterest expense to average assets | 2.7524% | 4,207 |
| Loan and lease loss provision to assets | 0.3406% | 1,976 |
| Net operating income to assets | 0.9896% | 2,385 |
| Return on assets (ROA) | 1.0837% | 2,185 |
| Pretax return on assets | 1.6240% | 1,325 |
| Return on Equity (ROE) | 7.7733% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.5476% | 1,311 |
| Net charge-offs to loans | 0.6237% | 1,880 |
| Credit loss provision to net charge-offs | 73.4987% | 4,055 |
| Earnings coverage of net charge-offs (x) | 3.9360% | 3,539 |
| Efficiency ratio | 60.1401% | 5,517 |
| Assets per employee ($millions) | 7.7290% | 571 |
| Cash dividends to net income (ytd only)* | 2.9034% | 4,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 3,983 |
| Loan loss allowance to noncurrent loans | 109.2790% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.8545% | 2,632 |
| Noncurrent loans to loans | 1.3159% | 3,636 |
| Net loans and leases to total assets | 78.0827% | 665 |
| Net loans and leases to deposits | 98.1111% | 503 |
| Net loans and leases to core deposits | 102.5795% | 854 |
| Total domestic deposits to total assets | 79.5860% | 5,761 |
| Equity capital to assets | 14.8075% | 789 |
| Core capital (leverage) ratio | 14.5521% | 661 |
| Tier 1 risk-based capital ratio | 18.0138% | 2,257 |
| Total risk-based capital ratio | 19.2659% | 2,231 |
| Memoranda: | ||
| Average total assets | $165,274,200 | 3,530 |
| Average earning assets | $155,515,800 | 3,457 |
| Average equity | $23,040,400 | 2,845 |
| Average total loans | $122,814,800 | 3,025 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0356% | 1,593 |
| Cost of funding earning assets | 0.6900% | 3,853 |
| Net interest margin | 4.3456% | 1,356 |
| Noninterest income to average assets | 0.3140% | 5,273 |
| Noninterest expense to average assets | 2.6222% | 4,666 |
| Loan and lease loss provision to assets | 0.3831% | 1,686 |
| Net operating income to assets | 0.9283% | 2,837 |
| Return on assets (ROA) | 1.0513% | 2,498 |
| Pretax return on assets | 1.5870% | 1,612 |
| Return on Equity (ROE) | 7.6575% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.4293% | 1,880 |
| Net charge-offs to loans | 0.7481% | 1,483 |
| Credit loss provision to net charge-offs | 70.0441% | 3,902 |
| Earnings coverage of net charge-offs (x) | 3.2614% | 3,722 |
| Efficiency ratio | 59.5151% | 5,575 |
| Assets per employee ($millions) | 7.5746% | 572 |
| Cash dividends to net income (ytd only)* | 2.9794% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 4,198 |
| Loan loss allowance to noncurrent loans | 77.8761% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 2.0157% | 2,616 |
| Noncurrent loans to loans | 1.8476% | 3,018 |
| Net loans and leases to total assets | 75.9645% | 986 |
| Net loans and leases to deposits | 93.6801% | 814 |
| Net loans and leases to core deposits | 97.5465% | 1,299 |
| Total domestic deposits to total assets | 81.0893% | 5,324 |
| Equity capital to assets | 14.1796% | 1,089 |
| Core capital (leverage) ratio | 13.9611% | 846 |
| Tier 1 risk-based capital ratio | 17.4769% | 2,549 |
| Total risk-based capital ratio | 18.7286% | 2,514 |
| Memoranda: | ||
| Average total assets | $166,015,250 | 3,553 |
| Average earning assets | $156,323,500 | 3,479 |
| Average equity | $22,792,000 | 2,899 |
| Average total loans | $121,372,250 | 3,090 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 1,940 |
| Cost of funding earning assets | 0.7174% | 3,879 |
| Net interest margin | 4.2277% | 1,675 |
| Noninterest income to average assets | 0.3064% | 5,361 |
| Noninterest expense to average assets | 2.5958% | 4,792 |
| Loan and lease loss provision to assets | 0.3570% | 1,849 |
| Net operating income to assets | 0.8672% | 3,055 |
| Return on assets (ROA) | 0.9746% | 2,807 |
| Pretax return on assets | 1.4921% | 1,873 |
| Return on Equity (ROE) | 7.1781% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.9471% | 2,131 |
| Net charge-offs to loans | 0.8032% | 1,370 |
| Credit loss provision to net charge-offs | 61.9247% | 3,748 |
| Earnings coverage of net charge-offs (x) | 2.9205% | 3,576 |
| Efficiency ratio | 60.6539% | 5,473 |
| Assets per employee ($millions) | 7.5919% | 563 |
| Cash dividends to net income (ytd only)* | 3.2178% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,888 |
| Loan loss allowance to noncurrent loans | 80.6730% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.9782% | 2,800 |
| Noncurrent loans to loans | 1.8937% | 3,085 |
| Net loans and leases to total assets | 72.1683% | 1,529 |
| Net loans and leases to deposits | 88.4429% | 1,327 |
| Net loans and leases to core deposits | 100.2120% | 1,088 |
| Total domestic deposits to total assets | 81.5988% | 5,269 |
| Equity capital to assets | 13.7623% | 1,188 |
| Core capital (leverage) ratio | 13.5723% | 955 |
| Tier 1 risk-based capital ratio | 17.9242% | 2,318 |
| Total risk-based capital ratio | 19.1772% | 2,283 |
| Memoranda: | ||
| Average total assets | $165,806,670 | 3,568 |
| Average earning assets | $155,830,670 | 3,501 |
| Average equity | $22,513,000 | 2,923 |
| Average total loans | $119,017,670 | 3,156 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 2,416 |
| Cost of funding earning assets | 0.7360% | 3,976 |
| Net interest margin | 4.1203% | 2,026 |
| Noninterest income to average assets | 0.3753% | 4,852 |
| Noninterest expense to average assets | 2.5303% | 5,059 |
| Loan and lease loss provision to assets | 0.3269% | 1,912 |
| Net operating income to assets | 0.9104% | 2,866 |
| Return on assets (ROA) | 0.9104% | 3,091 |
| Pretax return on assets | 1.3947% | 2,207 |
| Return on Equity (ROE) | 6.7515% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.5181% | 2,677 |
| Net charge-offs to loans | 0.7330% | 1,387 |
| Credit loss provision to net charge-offs | 62.7907% | 3,059 |
| Earnings coverage of net charge-offs (x) | 3.3070% | 2,885 |
| Efficiency ratio | 59.5103% | 5,691 |
| Assets per employee ($millions) | 8.1259% | 454 |
| Cash dividends to net income (ytd only)* | 3.4574% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 3,431 |
| Loan loss allowance to noncurrent loans | 86.1512% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.9350% | 2,993 |
| Noncurrent loans to loans | 1.9487% | 3,223 |
| Net loans and leases to total assets | 67.6801% | 2,171 |
| Net loans and leases to deposits | 82.3314% | 1,887 |
| Net loans and leases to core deposits | 92.4928% | 1,597 |
| Total domestic deposits to total assets | 82.2045% | 5,226 |
| Equity capital to assets | 13.2000% | 1,358 |
| Core capital (leverage) ratio | 13.3843% | 990 |
| Tier 1 risk-based capital ratio | 17.7974% | 2,360 |
| Total risk-based capital ratio | 19.0518% | 2,338 |
| Memoranda: | ||
| Average total assets | $165,199,000 | 3,597 |
| Average earning assets | $155,427,000 | 3,524 |
| Average equity | $22,276,500 | 2,945 |
| Average total loans | $117,323,000 | 3,205 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 2,185 |
| Cost of funding earning assets | 0.8637% | 4,365 |
| Net interest margin | 4.3063% | 1,681 |
| Noninterest income to average assets | 0.7049% | 2,578 |
| Noninterest expense to average assets | 2.7277% | 4,630 |
| Loan and lease loss provision to assets | 0.6402% | 1,594 |
| Net operating income to assets | 1.3309% | 1,177 |
| Return on assets (ROA) | 1.3328% | 1,258 |
| Pretax return on assets | 1.3826% | 1,833 |
| Return on Equity (ROE) | 12.4619% | 1,289 |
| Retained earnings to average equity (ytd only) | 12.3166% | 276 |
| Net charge-offs to loans | 0.3969% | 3,430 |
| Credit loss provision to net charge-offs | 216.8860% | 1,126 |
| Earnings coverage of net charge-offs (x) | 6.8465% | 2,438 |
| Efficiency ratio | 57.4427% | 6,124 |
| Assets per employee ($millions) | 7.6073% | 552 |
| Cash dividends to net income (ytd only)* | 1.1656% | 4,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 3,025 |
| Loan loss allowance to noncurrent loans | 131.2020% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 1.5568% | 3,613 |
| Noncurrent loans to loans | 1.3347% | 4,142 |
| Net loans and leases to total assets | 72.0671% | 1,637 |
| Net loans and leases to deposits | 88.7856% | 1,293 |
| Net loans and leases to core deposits | 93.3149% | 1,768 |
| Total domestic deposits to total assets | 81.1698% | 5,401 |
| Equity capital to assets | 13.7887% | 1,143 |
| Core capital (leverage) ratio | 13.3282% | 1,032 |
| Tier 1 risk-based capital ratio | 17.0907% | 2,561 |
| Total risk-based capital ratio | 18.3456% | 2,515 |
| Memoranda: | ||
| Average total assets | $154,490,200 | 3,729 |
| Average earning assets | $145,065,600 | 3,654 |
| Average equity | $16,522,400 | 3,648 |
| Average total loans | $114,876,000 | 3,277 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 2,757 |
| Cost of funding earning assets | 0.8783% | 4,560 |
| Net interest margin | 4.1903% | 2,141 |
| Noninterest income to average assets | 0.8261% | 1,938 |
| Noninterest expense to average assets | 2.6627% | 4,861 |
| Loan and lease loss provision to assets | 0.6476% | 1,516 |
| Net operating income to assets | 1.4528% | 1,044 |
| Return on assets (ROA) | 1.4554% | 1,112 |
| Pretax return on assets | 1.4554% | 1,771 |
| Return on Equity (ROE) | 14.7186% | 889 |
| Retained earnings to average equity (ytd only) | 14.6217% | 253 |
| Net charge-offs to loans | 0.4619% | 2,886 |
| Credit loss provision to net charge-offs | 187.8788% | 1,556 |
| Earnings coverage of net charge-offs (x) | 6.0934% | 2,622 |
| Efficiency ratio | 55.9028% | 6,291 |
| Assets per employee ($millions) | 7.9784% | 471 |
| Cash dividends to net income (ytd only)* | 0.6581% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 3,422 |
| Loan loss allowance to noncurrent loans | 51.5177% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 2.6184% | 2,467 |
| Noncurrent loans to loans | 3.2196% | 2,156 |
| Net loans and leases to total assets | 66.0666% | 2,887 |
| Net loans and leases to deposits | 79.5527% | 2,710 |
| Net loans and leases to core deposits | 83.6440% | 3,106 |
| Total domestic deposits to total assets | 83.0476% | 4,660 |
| Equity capital to assets | 12.1972% | 2,106 |
| Core capital (leverage) ratio | 13.1056% | 1,186 |
| Tier 1 risk-based capital ratio | 16.7769% | 2,731 |
| Total risk-based capital ratio | 18.0305% | 2,699 |
| Memoranda: | ||
| Average total assets | $153,174,250 | 3,773 |
| Average earning assets | $143,916,500 | 3,699 |
| Average equity | $15,146,000 | 3,888 |
| Average total loans | $114,299,500 | 3,317 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1508% | 2,456 |
| Cost of funding earning assets | 0.9014% | 4,656 |
| Net interest margin | 4.2495% | 1,848 |
| Noninterest income to average assets | 0.9880% | 1,355 |
| Noninterest expense to average assets | 2.6674% | 4,949 |
| Loan and lease loss provision to assets | 0.7602% | 1,225 |
| Net operating income to assets | 1.5446% | 816 |
| Return on assets (ROA) | 1.5446% | 868 |
| Pretax return on assets | 1.5446% | 1,389 |
| Return on Equity (ROE) | 17.1266% | 538 |
| Retained earnings to average equity (ytd only) | 17.1266% | 162 |
| Net charge-offs to loans | 0.5832% | 2,362 |
| Credit loss provision to net charge-offs | 168.3582% | 1,796 |
| Earnings coverage of net charge-offs (x) | 5.1045% | 2,691 |
| Efficiency ratio | 53.6460% | 6,650 |
| Assets per employee ($millions) | 7.7143% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 4,122 |
| Loan loss allowance to noncurrent loans | 50.1147% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 2.9003% | 2,318 |
| Noncurrent loans to loans | 2.9957% | 2,424 |
| Net loans and leases to total assets | 78.2441% | 744 |
| Net loans and leases to deposits | 91.9495% | 1,067 |
| Net loans and leases to core deposits | 97.0221% | 1,577 |
| Total domestic deposits to total assets | 85.0947% | 3,836 |
| Equity capital to assets | 9.6656% | 4,580 |
| Core capital (leverage) ratio | 9.7740% | 3,559 |
| Tier 1 risk-based capital ratio | 11.6001% | 6,091 |
| Total risk-based capital ratio | 12.8528% | 6,082 |
| Memoranda: | ||
| Average total assets | $148,383,670 | 3,876 |
| Average earning assets | $139,123,330 | 3,802 |
| Average equity | $13,382,670 | 4,260 |
| Average total loans | $114,879,670 | 3,341 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0128% | 3,048 |
| Cost of funding earning assets | 0.8992% | 4,927 |
| Net interest margin | 4.1136% | 2,218 |
| Noninterest income to average assets | 1.1977% | 894 |
| Noninterest expense to average assets | 2.7062% | 4,814 |
| Loan and lease loss provision to assets | 0.9431% | 833 |
| Net operating income to assets | 1.4093% | 1,046 |
| Return on assets (ROA) | 1.4093% | 1,083 |
| Pretax return on assets | 1.4093% | 1,703 |
| Return on Equity (ROE) | 16.1965% | 656 |
| Retained earnings to average equity (ytd only) | 16.1965% | 312 |
| Net charge-offs to loans | 0.2664% | 3,002 |
| Credit loss provision to net charge-offs | 463.1579% | 761 |
| Earnings coverage of net charge-offs (x) | 11.5526% | 1,546 |
| Efficiency ratio | 53.4958% | 6,743 |
| Assets per employee ($millions) | 7.2342% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 3,704 |
| Loan loss allowance to noncurrent loans | 66.4815% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.2795% | 2,971 |
| Noncurrent loans to loans | 2.4148% | 3,074 |
| Net loans and leases to total assets | 72.4174% | 1,626 |
| Net loans and leases to deposits | 85.4877% | 1,801 |
| Net loans and leases to core deposits | 91.3473% | 2,192 |
| Total domestic deposits to total assets | 84.7108% | 4,173 |
| Equity capital to assets | 8.7514% | 5,573 |
| Core capital (leverage) ratio | 9.4688% | 3,863 |
| Tier 1 risk-based capital ratio | 11.5949% | 6,026 |
| Total risk-based capital ratio | 12.8485% | 6,011 |
| Memoranda: | ||
| Average total assets | $149,289,500 | 3,888 |
| Average earning assets | $140,121,500 | 3,817 |
| Average equity | $12,990,500 | 4,340 |
| Average total loans | $114,103,500 | 3,386 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4960% | 2,303 |
| Cost of funding earning assets | 1.2283% | 4,366 |
| Net interest margin | 4.2676% | 1,929 |
| Noninterest income to average assets | 0.3654% | 5,185 |
| Noninterest expense to average assets | 2.7273% | 4,864 |
| Loan and lease loss provision to assets | 0.4748% | 3,287 |
| Net operating income to assets | 1.1995% | 1,414 |
| Return on assets (ROA) | 1.1995% | 1,494 |
| Pretax return on assets | 1.1995% | 2,228 |
| Return on Equity (ROE) | 13.4445% | 994 |
| Retained earnings to average equity (ytd only) | 13.4445% | 187 |
| Net charge-offs to loans | 0.1475% | 5,473 |
| Credit loss provision to net charge-offs | 393.1250% | 627 |
| Earnings coverage of net charge-offs (x) | 13.8625% | 1,385 |
| Efficiency ratio | 61.9619% | 5,737 |
| Assets per employee ($millions) | 7.7190% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 4,979 |
| Loan loss allowance to noncurrent loans | 1,026.3514% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 5,770 |
| Noncurrent loans to loans | 0.1272% | 6,818 |
| Net loans and leases to total assets | 78.3289% | 893 |
| Net loans and leases to deposits | 96.6669% | 804 |
| Net loans and leases to core deposits | 103.4993% | 1,349 |
| Total domestic deposits to total assets | 81.0297% | 5,514 |
| Equity capital to assets | 8.6499% | 5,657 |
| Core capital (leverage) ratio | 9.2961% | 4,013 |
| Tier 1 risk-based capital ratio | 10.5456% | 6,671 |
| Total risk-based capital ratio | 11.7960% | 6,644 |
| Memoranda: | ||
| Average total assets | $132,473,800 | 4,209 |
| Average earning assets | $125,292,000 | 4,125 |
| Average equity | $11,819,000 | 4,664 |
| Average total loans | $108,489,600 | 3,582 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4799% | 2,523 |
| Cost of funding earning assets | 1.2925% | 4,271 |
| Net interest margin | 4.1873% | 2,262 |
| Noninterest income to average assets | 0.2420% | 6,157 |
| Noninterest expense to average assets | 2.7426% | 4,713 |
| Loan and lease loss provision to assets | 0.4002% | 3,504 |
| Net operating income to assets | 1.0693% | 2,007 |
| Return on assets (ROA) | 1.0693% | 2,120 |
| Pretax return on assets | 1.0693% | 2,935 |
| Return on Equity (ROE) | 11.8824% | 1,541 |
| Retained earnings to average equity (ytd only) | 11.8824% | 476 |
| Net charge-offs to loans | 0.2040% | 4,720 |
| Credit loss provision to net charge-offs | 237.4233% | 1,421 |
| Earnings coverage of net charge-offs (x) | 8.7177% | 2,121 |
| Efficiency ratio | 65.1117% | 5,035 |
| Assets per employee ($millions) | 7.0929% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,751 |
| Loan loss allowance to noncurrent loans | 923.1884% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 5,780 |
| Noncurrent loans to loans | 0.1236% | 6,935 |
| Net loans and leases to total assets | 81.8886% | 508 |
| Net loans and leases to deposits | 99.9439% | 665 |
| Net loans and leases to core deposits | 106.5499% | 1,281 |
| Total domestic deposits to total assets | 81.9346% | 5,023 |
| Equity capital to assets | 9.1752% | 5,344 |
| Core capital (leverage) ratio | 9.5570% | 3,821 |
| Tier 1 risk-based capital ratio | 10.6414% | 6,677 |
| Total risk-based capital ratio | 11.7539% | 6,763 |
| Memoranda: | ||
| Average total assets | $128,927,000 | 4,352 |
| Average earning assets | $122,238,500 | 4,237 |
| Average equity | $11,602,250 | 4,781 |
| Average total loans | $106,512,750 | 3,669 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4707% | 2,654 |
| Cost of funding earning assets | 1.3337% | 4,304 |
| Net interest margin | 4.1369% | 2,395 |
| Noninterest income to average assets | 0.1827% | 6,603 |
| Noninterest expense to average assets | 2.6902% | 4,949 |
| Loan and lease loss provision to assets | 0.4694% | 2,969 |
| Net operating income to assets | 0.9608% | 2,326 |
| Return on assets (ROA) | 0.9608% | 2,415 |
| Pretax return on assets | 0.9608% | 3,274 |
| Return on Equity (ROE) | 10.7508% | 1,840 |
| Retained earnings to average equity (ytd only) | 10.7508% | 699 |
| Net charge-offs to loans | 0.1355% | 4,859 |
| Credit loss provision to net charge-offs | 419.7183% | 870 |
| Earnings coverage of net charge-offs (x) | 12.7887% | 1,650 |
| Efficiency ratio | 65.2905% | 5,108 |
| Assets per employee ($millions) | 6.8632% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 5,541 |
| Loan loss allowance to noncurrent loans | 85.0766% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.7822% | 3,784 |
| Noncurrent loans to loans | 1.3902% | 4,619 |
| Net loans and leases to total assets | 81.8199% | 554 |
| Net loans and leases to deposits | 99.0889% | 792 |
| Net loans and leases to core deposits | 104.6871% | 1,570 |
| Total domestic deposits to total assets | 82.5722% | 4,754 |
| Equity capital to assets | 9.0574% | 5,354 |
| Core capital (leverage) ratio | 9.3042% | 4,115 |
| Tier 1 risk-based capital ratio | 10.4402% | 6,727 |
| Total risk-based capital ratio | 11.5905% | 6,788 |
| Memoranda: | ||
| Average total assets | $126,980,670 | 4,428 |
| Average earning assets | $120,862,330 | 4,291 |
| Average equity | $11,348,000 | 4,843 |
| Average total loans | $104,806,330 | 3,747 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3145% | 3,472 |
| Cost of funding earning assets | 1.3545% | 4,462 |
| Net interest margin | 3.9600% | 3,055 |
| Noninterest income to average assets | 0.0479% | 7,474 |
| Noninterest expense to average assets | 2.5992% | 5,363 |
| Loan and lease loss provision to assets | 0.5875% | 2,155 |
| Net operating income to assets | 0.6514% | 3,657 |
| Return on assets (ROA) | 0.6514% | 3,779 |
| Pretax return on assets | 0.6514% | 4,408 |
| Return on Equity (ROE) | 7.3404% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.3404% | 1,997 |
| Net charge-offs to loans | 0.3875% | 2,884 |
| Credit loss provision to net charge-offs | 184.0000% | 1,991 |
| Earnings coverage of net charge-offs (x) | 3.8800% | 2,757 |
| Efficiency ratio | 67.7205% | 4,779 |
| Assets per employee ($millions) | 6.8517% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 6,162 |
| Loan loss allowance to noncurrent loans | 54.2843% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.7481% | 3,855 |
| Noncurrent loans to loans | 1.9600% | 3,845 |
| Net loans and leases to total assets | 85.4992% | 248 |
| Net loans and leases to deposits | 103.8805% | 535 |
| Net loans and leases to core deposits | 111.3273% | 1,198 |
| Total domestic deposits to total assets | 82.3053% | 4,931 |
| Equity capital to assets | 9.1380% | 5,078 |
| Core capital (leverage) ratio | 9.2438% | 4,151 |
| Tier 1 risk-based capital ratio | 10.3265% | 6,790 |
| Total risk-based capital ratio | 11.3768% | 6,936 |
| Memoranda: | ||
| Average total assets | $125,270,500 | 4,515 |
| Average earning assets | $119,898,000 | 4,377 |
| Average equity | $11,116,500 | 4,947 |
| Average total loans | $103,224,000 | 3,850 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6921% | 3,142 |
| Cost of funding earning assets | 2.0183% | 2,881 |
| Net interest margin | 3.6738% | 4,245 |
| Noninterest income to average assets | 0.1886% | 6,741 |
| Noninterest expense to average assets | 2.9954% | 4,159 |
| Loan and lease loss provision to assets | 0.5573% | 3,587 |
| Net operating income to assets | 0.1512% | 5,046 |
| Return on assets (ROA) | 0.1512% | 5,113 |
| Pretax return on assets | 0.1512% | 5,108 |
| Return on Equity (ROE) | 1.5167% | 5,084 |
| Retained earnings to average equity (ytd only) | 1.5167% | 4,011 |
| Net charge-offs to loans | 0.4597% | 3,944 |
| Credit loss provision to net charge-offs | 144.9029% | 3,287 |
| Earnings coverage of net charge-offs (x) | 1.8422% | 4,343 |
| Efficiency ratio | 80.8720% | 2,764 |
| Assets per employee ($millions) | 7.0672% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 6,119 |
| Loan loss allowance to noncurrent loans | 95.8904% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 5,231 |
| Noncurrent loans to loans | 1.0965% | 5,130 |
| Net loans and leases to total assets | 77.6802% | 1,449 |
| Net loans and leases to deposits | 92.4128% | 1,829 |
| Net loans and leases to core deposits | 125.5345% | 1,551 |
| Total domestic deposits to total assets | 84.0579% | 4,002 |
| Equity capital to assets | 8.6180% | 5,707 |
| Core capital (leverage) ratio | 9.1449% | 4,208 |
| Tier 1 risk-based capital ratio | 10.4705% | 6,428 |
| Total risk-based capital ratio | 11.4781% | 6,629 |
| Memoranda: | ||
| Average total assets | $107,130,000 | 4,897 |
| Average earning assets | $102,510,800 | 4,778 |
| Average equity | $10,681,400 | 5,105 |
| Average total loans | $89,620,000 | 4,222 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7478% | 3,110 |
| Cost of funding earning assets | 2.1850% | 2,478 |
| Net interest margin | 3.5629% | 4,624 |
| Noninterest income to average assets | 0.1201% | 7,289 |
| Noninterest expense to average assets | 3.0998% | 3,650 |
| Loan and lease loss provision to assets | 0.5523% | 3,175 |
| Net operating income to assets | -0.1254% | 5,931 |
| Return on assets (ROA) | -0.1254% | 5,961 |
| Pretax return on assets | -0.1254% | 5,877 |
| Return on Equity (ROE) | -1.2063% | 5,966 |
| Retained earnings to average equity (ytd only) | -1.2063% | 5,537 |
| Net charge-offs to loans | 0.0414% | 6,320 |
| Credit loss provision to net charge-offs | 1,566.6667% | 248 |
| Earnings coverage of net charge-offs (x) | 12.1108% | 1,792 |
| Efficiency ratio | 87.8934% | 1,886 |
| Assets per employee ($millions) | 6.2788% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 4,406 |
| Loan loss allowance to noncurrent loans | 80.8333% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.4069% | 4,293 |
| Noncurrent loans to loans | 1.6271% | 4,202 |
| Net loans and leases to total assets | 83.7194% | 575 |
| Net loans and leases to deposits | 101.9514% | 925 |
| Net loans and leases to core deposits | 146.9452% | 659 |
| Total domestic deposits to total assets | 82.1170% | 4,636 |
| Equity capital to assets | 9.5162% | 4,726 |
| Core capital (leverage) ratio | 9.3823% | 4,072 |
| Tier 1 risk-based capital ratio | 10.8413% | 6,115 |
| Total risk-based capital ratio | 12.0921% | 6,069 |
| Memoranda: | ||
| Average total assets | $102,110,000 | 5,066 |
| Average earning assets | $97,634,250 | 4,938 |
| Average equity | $10,611,000 | 5,163 |
| Average total loans | $87,058,250 | 4,337 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7546% | 3,273 |
| Cost of funding earning assets | 2.2984% | 2,359 |
| Net interest margin | 3.4562% | 4,975 |
| Noninterest income to average assets | 0.0812% | 7,571 |
| Noninterest expense to average assets | 3.2415% | 3,187 |
| Loan and lease loss provision to assets | 0.7088% | 2,304 |
| Net operating income to assets | -0.5829% | 6,637 |
| Return on assets (ROA) | -0.5829% | 6,646 |
| Pretax return on assets | -0.5829% | 6,507 |
| Return on Equity (ROE) | -5.4341% | 6,655 |
| Retained earnings to average equity (ytd only) | -5.4341% | 6,363 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2606% | 1,356 |
| Assets per employee ($millions) | 6.1223% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 4,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 87.3458% | 281 |
| Net loans and leases to deposits | 106.4461% | 743 |
| Net loans and leases to core deposits | 149.5936% | 665 |
| Total domestic deposits to total assets | 82.0564% | 4,669 |
| Equity capital to assets | 9.4409% | 4,687 |
| Core capital (leverage) ratio | 9.9201% | 3,382 |
| Tier 1 risk-based capital ratio | 10.2498% | 6,654 |
| Total risk-based capital ratio | 11.4527% | 6,637 |
| Memoranda: | ||
| Average total assets | $98,474,000 | 5,201 |
| Average earning assets | $93,629,330 | 5,080 |
| Average equity | $10,563,000 | 5,198 |
| Average total loans | $84,118,000 | 4,456 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6267% | 4,201 |
| Cost of funding earning assets | 2.3596% | 2,464 |
| Net interest margin | 3.2671% | 5,629 |
| Noninterest income to average assets | 0.0734% | 7,685 |
| Noninterest expense to average assets | 3.1875% | 3,044 |
| Loan and lease loss provision to assets | 0.8077% | 1,597 |
| Net operating income to assets | -0.8120% | 7,135 |
| Return on assets (ROA) | -0.8120% | 7,167 |
| Pretax return on assets | -0.8120% | 7,044 |
| Return on Equity (ROE) | -7.0660% | 7,152 |
| Retained earnings to average equity (ytd only) | -7.0660% | 6,800 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1357% | 1,119 |
| Assets per employee ($millions) | 5.1272% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 4,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 85.4389% | 506 |
| Net loans and leases to deposits | 105.3810% | 914 |
| Net loans and leases to core deposits | 139.1165% | 1,144 |
| Total domestic deposits to total assets | 81.0762% | 4,935 |
| Equity capital to assets | 10.8379% | 3,133 |
| Core capital (leverage) ratio | 11.4779% | 2,161 |
| Tier 1 risk-based capital ratio | 11.6050% | 5,302 |
| Total risk-based capital ratio | 12.7779% | 5,276 |
| Memoranda: | ||
| Average total assets | $92,610,500 | 5,406 |
| Average earning assets | $88,150,500 | 5,283 |
| Average equity | $10,642,500 | 5,203 |
| Average total loans | $77,442,000 | 4,703 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6771% | 6,846 |
| Cost of funding earning assets | 2.3050% | 5,125 |
| Net interest margin | 3.3721% | 5,777 |
| Noninterest income to average assets | 0.0794% | 7,746 |
| Noninterest expense to average assets | 5.1738% | 583 |
| Loan and lease loss provision to assets | 1.2429% | 1,154 |
| Net operating income to assets | -3.0992% | 7,847 |
| Return on assets (ROA) | -3.0992% | 7,817 |
| Pretax return on assets | -3.0992% | 7,731 |
| Return on Equity (ROE) | -15.1772% | 7,598 |
| Retained earnings to average equity (ytd only) | -15.1772% | 7,473 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.9543% | 325 |
| Assets per employee ($millions) | 4.3902% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 4,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 79.4212% | 1,796 |
| Net loans and leases to deposits | 100.7775% | 1,746 |
| Net loans and leases to core deposits | 133.1405% | 1,645 |
| Total domestic deposits to total assets | 78.8085% | 5,447 |
| Equity capital to assets | 12.2170% | 2,153 |
| Core capital (leverage) ratio | 13.9948% | 1,255 |
| Tier 1 risk-based capital ratio | 13.8740% | 3,606 |
| Total risk-based capital ratio | 15.0102% | 3,585 |
| Memoranda: | ||
| Average total assets | $55,432,800 | 6,555 |
| Average earning assets | $53,231,000 | 6,454 |
| Average equity | $11,319,600 | 5,036 |
| Average total loans | $42,103,200 | 6,070 |