Home > The First National Bank - Fox Valley > Performance and Condition Ratios
The First National Bank - Fox Valley, 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 | 4.0804% | 2,722 |
| Cost of funding earning assets | 0.5717% | 1,567 |
| Net interest margin | 3.5087% | 3,247 |
| Noninterest income to average assets | 0.3293% | 4,192 |
| Noninterest expense to average assets | 2.4542% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6516% | 3,932 |
| Return on assets (ROA) | 0.6516% | 3,966 |
| Pretax return on assets | 1.0208% | 3,286 |
| Return on Equity (ROE) | 5.6219% | 4,073 |
| Retained earnings to average equity (ytd only) | 2.2113% | 4,259 |
| Net charge-offs to loans | 0.0011% | 2,923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1,175.0000% | 36 |
| Efficiency ratio | 70.6250% | 2,799 |
| Assets per employee ($millions) | 7.4859% | 761 |
| Cash dividends to net income (ytd only)* | 60.6667% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,664 |
| Loan loss allowance to noncurrent loans | 90.6060% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.0514% | 1,722 |
| Noncurrent loans to loans | 1.2245% | 1,656 |
| Net loans and leases to total assets | 78.5096% | 1,057 |
| Net loans and leases to deposits | 92.6707% | 1,254 |
| Net loans and leases to core deposits | 148.6045% | 112 |
| Total domestic deposits to total assets | 84.7189% | 3,205 |
| Equity capital to assets | 11.7319% | 2,010 |
| Core capital (leverage) ratio | 11.4316% | 1,998 |
| Tier 1 risk-based capital ratio | 14.3936% | 3,261 |
| Total risk-based capital ratio | 15.4763% | 3,264 |
| Memoranda: | ||
| Average total assets | $460,435,000 | 1,531 |
| Average earning assets | $412,807,500 | 1,580 |
| Average equity | $53,363,000 | 1,455 |
| Average total loans | $363,661,500 | 1,345 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 2,042 |
| Cost of funding earning assets | 0.5426% | 1,770 |
| Net interest margin | 3.7890% | 2,356 |
| Noninterest income to average assets | 0.5217% | 3,089 |
| Noninterest expense to average assets | 2.5849% | 3,726 |
| Loan and lease loss provision to assets | 0.0696% | 2,962 |
| Net operating income to assets | 0.8161% | 3,231 |
| Return on assets (ROA) | 0.8161% | 3,339 |
| Pretax return on assets | 1.2678% | 2,408 |
| Return on Equity (ROE) | 7.1022% | 3,416 |
| Retained earnings to average equity (ytd only) | -2.0111% | 5,535 |
| Net charge-offs to loans | -0.0254% | 5,189 |
| Credit loss provision to net charge-offs | -340.4255% | 5,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9037% | 3,601 |
| Assets per employee ($millions) | 6.8270% | 995 |
| Cash dividends to net income (ytd only)* | 128.3165% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,694 |
| Loan loss allowance to noncurrent loans | 89.7190% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.0045% | 1,888 |
| Noncurrent loans to loans | 1.2292% | 1,671 |
| Net loans and leases to total assets | 77.7140% | 1,244 |
| Net loans and leases to deposits | 93.8750% | 1,208 |
| Net loans and leases to core deposits | 164.8491% | 74 |
| Total domestic deposits to total assets | 82.7845% | 3,830 |
| Equity capital to assets | 11.4499% | 2,213 |
| Core capital (leverage) ratio | 11.4320% | 1,984 |
| Tier 1 risk-based capital ratio | 14.5928% | 3,154 |
| Total risk-based capital ratio | 15.6952% | 3,146 |
| Memoranda: | ||
| Average total assets | $460,010,600 | 1,482 |
| Average earning assets | $412,850,800 | 1,524 |
| Average equity | $52,857,200 | 1,455 |
| Average total loans | $369,419,800 | 1,275 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 2,083 |
| Cost of funding earning assets | 0.5339% | 1,845 |
| Net interest margin | 3.7952% | 2,350 |
| Noninterest income to average assets | 0.4407% | 3,624 |
| Noninterest expense to average assets | 2.5353% | 3,879 |
| Loan and lease loss provision to assets | 0.0930% | 2,363 |
| Net operating income to assets | 0.7942% | 3,393 |
| Return on assets (ROA) | 0.7942% | 3,536 |
| Pretax return on assets | 1.2198% | 2,753 |
| Return on Equity (ROE) | 6.9061% | 3,609 |
| Retained earnings to average equity (ytd only) | -4.2361% | 5,704 |
| Net charge-offs to loans | -0.0255% | 5,098 |
| Credit loss provision to net charge-offs | -450.7042% | 5,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8840% | 3,611 |
| Assets per employee ($millions) | 6.6946% | 1,005 |
| Cash dividends to net income (ytd only)* | 161.3389% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 4,107 |
| Loan loss allowance to noncurrent loans | 492.0049% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 4,598 |
| Noncurrent loans to loans | 0.2140% | 4,502 |
| Net loans and leases to total assets | 79.0953% | 1,023 |
| Net loans and leases to deposits | 95.6399% | 1,085 |
| Net loans and leases to core deposits | 162.2854% | 88 |
| Total domestic deposits to total assets | 82.7012% | 3,711 |
| Equity capital to assets | 11.1433% | 2,870 |
| Core capital (leverage) ratio | 11.1221% | 2,340 |
| Tier 1 risk-based capital ratio | 13.8379% | 3,644 |
| Total risk-based capital ratio | 14.8916% | 3,687 |
| Memoranda: | ||
| Average total assets | $458,955,000 | 1,490 |
| Average earning assets | $412,053,500 | 1,527 |
| Average equity | $52,783,000 | 1,463 |
| Average total loans | $370,575,500 | 1,272 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 2,102 |
| Cost of funding earning assets | 0.5194% | 1,946 |
| Net interest margin | 3.7972% | 2,330 |
| Noninterest income to average assets | 0.3797% | 4,027 |
| Noninterest expense to average assets | 2.5058% | 4,010 |
| Loan and lease loss provision to assets | 0.0882% | 2,379 |
| Net operating income to assets | 0.7890% | 3,364 |
| Return on assets (ROA) | 0.7890% | 3,511 |
| Pretax return on assets | 1.1938% | 2,800 |
| Return on Equity (ROE) | 6.7865% | 3,652 |
| Retained earnings to average equity (ytd only) | -9.1688% | 5,864 |
| Net charge-offs to loans | -0.0261% | 5,061 |
| Credit loss provision to net charge-offs | -416.6667% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1544% | 3,660 |
| Assets per employee ($millions) | 6.1140% | 1,325 |
| Cash dividends to net income (ytd only)* | 235.1034% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 4,383 |
| Loan loss allowance to noncurrent loans | 582.6284% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 4,758 |
| Noncurrent loans to loans | 0.1758% | 4,729 |
| Net loans and leases to total assets | 81.2798% | 712 |
| Net loans and leases to deposits | 98.9781% | 787 |
| Net loans and leases to core deposits | 172.9989% | 64 |
| Total domestic deposits to total assets | 82.1190% | 3,968 |
| Equity capital to assets | 11.3894% | 2,653 |
| Core capital (leverage) ratio | 11.3870% | 2,072 |
| Tier 1 risk-based capital ratio | 13.8837% | 3,673 |
| Total risk-based capital ratio | 14.9178% | 3,717 |
| Memoranda: | ||
| Average total assets | $453,501,670 | 1,512 |
| Average earning assets | $407,034,330 | 1,542 |
| Average equity | $52,722,000 | 1,472 |
| Average total loans | $367,450,000 | 1,275 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 2,076 |
| Cost of funding earning assets | 0.4832% | 2,244 |
| Net interest margin | 3.8317% | 2,173 |
| Noninterest income to average assets | 0.3069% | 4,532 |
| Noninterest expense to average assets | 2.5323% | 3,975 |
| Loan and lease loss provision to assets | 0.0710% | 2,534 |
| Net operating income to assets | 0.7344% | 3,565 |
| Return on assets (ROA) | 0.7344% | 3,670 |
| Pretax return on assets | 1.1149% | 3,035 |
| Return on Equity (ROE) | 6.2526% | 3,858 |
| Retained earnings to average equity (ytd only) | -23.9532% | 5,995 |
| Net charge-offs to loans | -0.0143% | 4,689 |
| Credit loss provision to net charge-offs | -615.3846% | 4,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1059% | 3,454 |
| Assets per employee ($millions) | 5.9778% | 1,413 |
| Cash dividends to net income (ytd only)* | 483.0918% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 4,518 |
| Loan loss allowance to noncurrent loans | 316.0547% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 4,404 |
| Noncurrent loans to loans | 0.3213% | 4,280 |
| Net loans and leases to total assets | 81.5638% | 620 |
| Net loans and leases to deposits | 101.2886% | 544 |
| Net loans and leases to core deposits | 181.6966% | 49 |
| Total domestic deposits to total assets | 80.5262% | 4,625 |
| Equity capital to assets | 11.6243% | 2,314 |
| Core capital (leverage) ratio | 11.3297% | 2,115 |
| Tier 1 risk-based capital ratio | 14.1546% | 3,596 |
| Total risk-based capital ratio | 15.1811% | 3,662 |
| Memoranda: | ||
| Average total assets | $450,978,500 | 1,521 |
| Average earning assets | $401,497,000 | 1,564 |
| Average equity | $52,970,000 | 1,451 |
| Average total loans | $362,893,000 | 1,290 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 2,208 |
| Cost of funding earning assets | 0.4244% | 2,902 |
| Net interest margin | 3.8834% | 2,084 |
| Noninterest income to average assets | 0.4764% | 3,488 |
| Noninterest expense to average assets | 2.5140% | 4,185 |
| Loan and lease loss provision to assets | 0.0518% | 3,282 |
| Net operating income to assets | 0.9177% | 2,770 |
| Return on assets (ROA) | 0.9185% | 2,855 |
| Pretax return on assets | 1.3963% | 1,919 |
| Return on Equity (ROE) | 7.9022% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.9022% | 948 |
| Net charge-offs to loans | 0.0476% | 3,254 |
| Credit loss provision to net charge-offs | 136.3636% | 1,919 |
| Earnings coverage of net charge-offs (x) | 38.0667% | 1,220 |
| Efficiency ratio | 63.4698% | 4,373 |
| Assets per employee ($millions) | 5.9688% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 4,630 |
| Loan loss allowance to noncurrent loans | 489.6879% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 4,873 |
| Noncurrent loans to loans | 0.2040% | 4,686 |
| Net loans and leases to total assets | 77.8226% | 1,144 |
| Net loans and leases to deposits | 96.7560% | 930 |
| Net loans and leases to core deposits | 182.4215% | 51 |
| Total domestic deposits to total assets | 80.4319% | 4,631 |
| Equity capital to assets | 11.8623% | 2,062 |
| Core capital (leverage) ratio | 12.5720% | 1,315 |
| Tier 1 risk-based capital ratio | 15.0999% | 3,133 |
| Total risk-based capital ratio | 16.1053% | 3,182 |
| Memoranda: | ||
| Average total assets | $434,088,400 | 1,532 |
| Average earning assets | $389,501,600 | 1,564 |
| Average equity | $50,454,000 | 1,475 |
| Average total loans | $346,735,800 | 1,300 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 2,306 |
| Cost of funding earning assets | 0.4292% | 2,913 |
| Net interest margin | 3.8500% | 2,188 |
| Noninterest income to average assets | 0.5112% | 3,288 |
| Noninterest expense to average assets | 2.5353% | 4,096 |
| Loan and lease loss provision to assets | 0.0701% | 2,775 |
| Net operating income to assets | 0.9108% | 2,911 |
| Return on assets (ROA) | 0.9118% | 2,993 |
| Pretax return on assets | 1.3828% | 2,087 |
| Return on Equity (ROE) | 7.8885% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.8885% | 1,282 |
| Net charge-offs to loans | 0.0513% | 2,875 |
| Credit loss provision to net charge-offs | 170.4545% | 1,527 |
| Earnings coverage of net charge-offs (x) | 35.2718% | 1,353 |
| Efficiency ratio | 63.5937% | 4,316 |
| Assets per employee ($millions) | 6.0297% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 4,553 |
| Loan loss allowance to noncurrent loans | 443.6054% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 4,897 |
| Noncurrent loans to loans | 0.2333% | 4,733 |
| Net loans and leases to total assets | 81.3388% | 662 |
| Net loans and leases to deposits | 100.8118% | 621 |
| Net loans and leases to core deposits | 209.5331% | 40 |
| Total domestic deposits to total assets | 80.6838% | 4,555 |
| Equity capital to assets | 12.4764% | 1,757 |
| Core capital (leverage) ratio | 12.4582% | 1,439 |
| Tier 1 risk-based capital ratio | 15.4092% | 3,091 |
| Total risk-based capital ratio | 16.4659% | 3,116 |
| Memoranda: | ||
| Average total assets | $427,710,750 | 1,569 |
| Average earning assets | $386,103,500 | 1,589 |
| Average equity | $49,437,750 | 1,510 |
| Average total loans | $343,099,500 | 1,314 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 2,243 |
| Cost of funding earning assets | 0.4468% | 2,767 |
| Net interest margin | 3.8327% | 2,196 |
| Noninterest income to average assets | 0.5477% | 3,053 |
| Noninterest expense to average assets | 2.5217% | 4,168 |
| Loan and lease loss provision to assets | 0.0702% | 2,703 |
| Net operating income to assets | 0.9219% | 2,775 |
| Return on assets (ROA) | 0.9219% | 2,898 |
| Pretax return on assets | 1.4028% | 1,971 |
| Return on Equity (ROE) | 8.1933% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.1933% | 1,189 |
| Net charge-offs to loans | -0.0165% | 5,101 |
| Credit loss provision to net charge-offs | -535.7143% | 5,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1265% | 4,496 |
| Assets per employee ($millions) | 5.7232% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 4,465 |
| Loan loss allowance to noncurrent loans | 376.4646% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 4,804 |
| Noncurrent loans to loans | 0.2853% | 4,660 |
| Net loans and leases to total assets | 81.0514% | 664 |
| Net loans and leases to deposits | 100.5107% | 618 |
| Net loans and leases to core deposits | 216.9372% | 42 |
| Total domestic deposits to total assets | 80.6396% | 4,703 |
| Equity capital to assets | 12.3654% | 1,756 |
| Core capital (leverage) ratio | 12.1253% | 1,581 |
| Tier 1 risk-based capital ratio | 15.4647% | 3,119 |
| Total risk-based capital ratio | 16.5697% | 3,127 |
| Memoranda: | ||
| Average total assets | $427,577,000 | 1,578 |
| Average earning assets | $384,536,330 | 1,607 |
| Average equity | $48,112,670 | 1,556 |
| Average total loans | $340,178,330 | 1,326 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1749% | 2,549 |
| Cost of funding earning assets | 0.4713% | 2,555 |
| Net interest margin | 3.7036% | 2,604 |
| Noninterest income to average assets | 0.5242% | 3,128 |
| Noninterest expense to average assets | 2.5093% | 4,236 |
| Loan and lease loss provision to assets | 0.0698% | 2,541 |
| Net operating income to assets | 0.8184% | 3,163 |
| Return on assets (ROA) | 0.8184% | 3,293 |
| Pretax return on assets | 1.2374% | 2,520 |
| Return on Equity (ROE) | 7.6461% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.6461% | 1,703 |
| Net charge-offs to loans | -0.0107% | 4,743 |
| Credit loss provision to net charge-offs | -833.3333% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7477% | 4,201 |
| Assets per employee ($millions) | 5.7125% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 4,684 |
| Loan loss allowance to noncurrent loans | 362.9371% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 4,777 |
| Noncurrent loans to loans | 0.2934% | 4,733 |
| Net loans and leases to total assets | 76.7292% | 1,096 |
| Net loans and leases to deposits | 94.2077% | 957 |
| Net loans and leases to core deposits | 200.7232% | 45 |
| Total domestic deposits to total assets | 81.4469% | 4,689 |
| Equity capital to assets | 11.6982% | 2,290 |
| Core capital (leverage) ratio | 11.8820% | 1,714 |
| Tier 1 risk-based capital ratio | 15.2504% | 3,291 |
| Total risk-based capital ratio | 16.3360% | 3,303 |
| Memoranda: | ||
| Average total assets | $429,608,500 | 1,576 |
| Average earning assets | $381,901,000 | 1,624 |
| Average equity | $45,984,500 | 1,622 |
| Average total loans | $336,772,000 | 1,338 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 2,187 |
| Cost of funding earning assets | 0.5249% | 2,435 |
| Net interest margin | 3.8844% | 2,301 |
| Noninterest income to average assets | 0.3947% | 4,225 |
| Noninterest expense to average assets | 2.6385% | 4,094 |
| Loan and lease loss provision to assets | 0.0798% | 2,889 |
| Net operating income to assets | 0.8219% | 3,272 |
| Return on assets (ROA) | 0.8219% | 3,360 |
| Pretax return on assets | 1.2196% | 2,572 |
| Return on Equity (ROE) | 7.9122% | 3,178 |
| Retained earnings to average equity (ytd only) | 6.9776% | 1,418 |
| Net charge-offs to loans | 0.2646% | 1,631 |
| Credit loss provision to net charge-offs | 36.8550% | 3,736 |
| Earnings coverage of net charge-offs (x) | 6.0012% | 3,296 |
| Efficiency ratio | 67.0022% | 4,058 |
| Assets per employee ($millions) | 5.1141% | 2,179 |
| Cash dividends to net income (ytd only)* | 11.8123% | 4,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 4,713 |
| Loan loss allowance to noncurrent loans | 308.3406% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 4,657 |
| Noncurrent loans to loans | 0.3463% | 4,619 |
| Net loans and leases to total assets | 78.4202% | 947 |
| Net loans and leases to deposits | 94.4853% | 1,034 |
| Net loans and leases to core deposits | 157.3967% | 89 |
| Total domestic deposits to total assets | 82.9973% | 4,078 |
| Equity capital to assets | 9.6608% | 4,520 |
| Core capital (leverage) ratio | 10.3994% | 3,062 |
| Tier 1 risk-based capital ratio | 12.6507% | 4,944 |
| Total risk-based capital ratio | 13.7708% | 4,941 |
| Memoranda: | ||
| Average total assets | $375,936,400 | 1,736 |
| Average earning assets | $342,914,000 | 1,746 |
| Average equity | $39,053,400 | 1,812 |
| Average total loans | $307,657,400 | 1,393 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 2,064 |
| Cost of funding earning assets | 0.5411% | 2,364 |
| Net interest margin | 3.9040% | 2,221 |
| Noninterest income to average assets | 0.4010% | 4,235 |
| Noninterest expense to average assets | 2.6627% | 3,973 |
| Loan and lease loss provision to assets | 0.0822% | 2,708 |
| Net operating income to assets | 0.8349% | 3,259 |
| Return on assets (ROA) | 0.8349% | 3,352 |
| Pretax return on assets | 1.2370% | 2,628 |
| Return on Equity (ROE) | 7.8781% | 3,278 |
| Retained earnings to average equity (ytd only) | 7.0683% | 1,785 |
| Net charge-offs to loans | 0.2194% | 1,725 |
| Credit loss provision to net charge-offs | 45.3629% | 3,192 |
| Earnings coverage of net charge-offs (x) | 7.2822% | 2,945 |
| Efficiency ratio | 66.8715% | 4,066 |
| Assets per employee ($millions) | 4.6157% | 2,787 |
| Cash dividends to net income (ytd only)* | 10.2801% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 4,248 |
| Loan loss allowance to noncurrent loans | 381.8731% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 4,884 |
| Noncurrent loans to loans | 0.3133% | 4,970 |
| Net loans and leases to total assets | 84.8205% | 273 |
| Net loans and leases to deposits | 103.7735% | 418 |
| Net loans and leases to core deposits | 196.7368% | 45 |
| Total domestic deposits to total assets | 81.7361% | 4,568 |
| Equity capital to assets | 10.7923% | 3,190 |
| Core capital (leverage) ratio | 10.6568% | 2,853 |
| Tier 1 risk-based capital ratio | 13.1681% | 4,751 |
| Total risk-based capital ratio | 14.4182% | 4,688 |
| Memoranda: | ||
| Average total assets | $365,081,500 | 1,796 |
| Average earning assets | $334,857,750 | 1,805 |
| Average equity | $38,688,500 | 1,835 |
| Average total loans | $301,469,500 | 1,424 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4400% | 2,038 |
| Cost of funding earning assets | 0.5649% | 2,208 |
| Net interest margin | 3.8751% | 2,280 |
| Noninterest income to average assets | 0.3580% | 4,555 |
| Noninterest expense to average assets | 2.6918% | 3,900 |
| Loan and lease loss provision to assets | 0.0825% | 2,655 |
| Net operating income to assets | 0.7600% | 3,515 |
| Return on assets (ROA) | 0.7600% | 3,620 |
| Pretax return on assets | 1.1108% | 3,058 |
| Return on Equity (ROE) | 7.2165% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.3288% | 2,135 |
| Net charge-offs to loans | 0.3490% | 1,174 |
| Credit loss provision to net charge-offs | 29.0135% | 3,068 |
| Earnings coverage of net charge-offs (x) | 4.1973% | 3,159 |
| Efficiency ratio | 69.2852% | 3,781 |
| Assets per employee ($millions) | 4.6142% | 2,750 |
| Cash dividends to net income (ytd only)* | 12.3010% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 4,361 |
| Loan loss allowance to noncurrent loans | 422.2857% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 5,117 |
| Noncurrent loans to loans | 0.2876% | 5,160 |
| Net loans and leases to total assets | 81.4287% | 530 |
| Net loans and leases to deposits | 98.4811% | 635 |
| Net loans and leases to core deposits | 184.1763% | 46 |
| Total domestic deposits to total assets | 82.6846% | 4,420 |
| Equity capital to assets | 10.5630% | 3,363 |
| Core capital (leverage) ratio | 10.6875% | 2,735 |
| Tier 1 risk-based capital ratio | 13.3460% | 4,693 |
| Total risk-based capital ratio | 14.5963% | 4,630 |
| Memoranda: | ||
| Average total assets | $363,690,670 | 1,801 |
| Average earning assets | $331,036,670 | 1,820 |
| Average equity | $38,301,000 | 1,846 |
| Average total loans | $296,294,330 | 1,450 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4647% | 1,919 |
| Cost of funding earning assets | 0.5821% | 2,140 |
| Net interest margin | 3.8825% | 2,147 |
| Noninterest income to average assets | 0.3203% | 4,807 |
| Noninterest expense to average assets | 2.7316% | 3,828 |
| Loan and lease loss provision to assets | 0.0831% | 2,509 |
| Net operating income to assets | 0.7037% | 3,670 |
| Return on assets (ROA) | 0.7037% | 3,748 |
| Pretax return on assets | 1.0162% | 3,263 |
| Return on Equity (ROE) | 6.6920% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.1651% | 2,451 |
| Net charge-offs to loans | 0.3366% | 1,064 |
| Credit loss provision to net charge-offs | 30.4878% | 2,392 |
| Earnings coverage of net charge-offs (x) | 4.0325% | 2,580 |
| Efficiency ratio | 71.3046% | 3,608 |
| Assets per employee ($millions) | 4.8236% | 2,480 |
| Cash dividends to net income (ytd only)* | 7.8740% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,046 |
| Loan loss allowance to noncurrent loans | 254.6466% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 4,647 |
| Noncurrent loans to loans | 0.5162% | 4,622 |
| Net loans and leases to total assets | 80.7546% | 478 |
| Net loans and leases to deposits | 96.0488% | 656 |
| Net loans and leases to core deposits | 177.6244% | 52 |
| Total domestic deposits to total assets | 84.0766% | 4,246 |
| Equity capital to assets | 10.5877% | 3,158 |
| Core capital (leverage) ratio | 10.6098% | 2,796 |
| Tier 1 risk-based capital ratio | 13.5739% | 4,624 |
| Total risk-based capital ratio | 14.8258% | 4,575 |
| Memoranda: | ||
| Average total assets | $360,966,500 | 1,821 |
| Average earning assets | $326,385,500 | 1,846 |
| Average equity | $37,955,500 | 1,856 |
| Average total loans | $292,301,500 | 1,469 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6173% | 1,812 |
| Cost of funding earning assets | 0.6773% | 1,980 |
| Net interest margin | 3.9400% | 2,139 |
| Noninterest income to average assets | 0.5908% | 3,144 |
| Noninterest expense to average assets | 2.4955% | 4,775 |
| Loan and lease loss provision to assets | 1.1625% | 143 |
| Net operating income to assets | 0.3930% | 5,175 |
| Return on assets (ROA) | 0.3930% | 5,281 |
| Pretax return on assets | 0.4966% | 5,214 |
| Return on Equity (ROE) | 3.6103% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.0709% | 4,764 |
| Net charge-offs to loans | 0.9990% | 585 |
| Credit loss provision to net charge-offs | 145.2518% | 1,604 |
| Earnings coverage of net charge-offs (x) | 2.0730% | 4,355 |
| Efficiency ratio | 60.0651% | 5,463 |
| Assets per employee ($millions) | 4.8671% | 2,353 |
| Cash dividends to net income (ytd only)* | 42.6374% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 3,615 |
| Loan loss allowance to noncurrent loans | 136.1139% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.9076% | 3,613 |
| Noncurrent loans to loans | 1.0344% | 3,440 |
| Net loans and leases to total assets | 78.9928% | 716 |
| Net loans and leases to deposits | 96.0954% | 725 |
| Net loans and leases to core deposits | 179.1964% | 51 |
| Total domestic deposits to total assets | 82.2025% | 4,805 |
| Equity capital to assets | 10.4419% | 3,234 |
| Core capital (leverage) ratio | 10.6736% | 2,698 |
| Tier 1 risk-based capital ratio | 13.7278% | 4,501 |
| Total risk-based capital ratio | 14.9808% | 4,441 |
| Memoranda: | ||
| Average total assets | $347,350,600 | 1,858 |
| Average earning assets | $314,190,800 | 1,885 |
| Average equity | $37,809,000 | 1,837 |
| Average total loans | $278,283,000 | 1,515 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 1,872 |
| Cost of funding earning assets | 0.6996% | 1,951 |
| Net interest margin | 3.9100% | 2,235 |
| Noninterest income to average assets | 0.6412% | 2,922 |
| Noninterest expense to average assets | 2.4442% | 4,893 |
| Loan and lease loss provision to assets | 1.2107% | 117 |
| Net operating income to assets | 0.4153% | 5,183 |
| Return on assets (ROA) | 0.4153% | 5,326 |
| Pretax return on assets | 0.5308% | 5,267 |
| Return on Equity (ROE) | 3.7753% | 5,315 |
| Retained earnings to average equity (ytd only) | 2.1835% | 5,010 |
| Net charge-offs to loans | 1.3236% | 399 |
| Credit loss provision to net charge-offs | 114.1761% | 2,060 |
| Earnings coverage of net charge-offs (x) | 1.6423% | 4,292 |
| Efficiency ratio | 58.3950% | 5,641 |
| Assets per employee ($millions) | 5.0248% | 2,133 |
| Cash dividends to net income (ytd only)* | 42.1640% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 5,292 |
| Loan loss allowance to noncurrent loans | 72.5023% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.3320% | 2,973 |
| Noncurrent loans to loans | 1.5279% | 2,874 |
| Net loans and leases to total assets | 79.8976% | 561 |
| Net loans and leases to deposits | 94.4520% | 804 |
| Net loans and leases to core deposits | 182.8639% | 45 |
| Total domestic deposits to total assets | 84.5907% | 3,934 |
| Equity capital to assets | 10.5012% | 3,275 |
| Core capital (leverage) ratio | 10.6304% | 2,859 |
| Tier 1 risk-based capital ratio | 13.8304% | 4,550 |
| Total risk-based capital ratio | 15.0184% | 4,547 |
| Memoranda: | ||
| Average total assets | $344,147,500 | 1,891 |
| Average earning assets | $311,979,500 | 1,914 |
| Average equity | $37,859,250 | 1,845 |
| Average total loans | $275,712,250 | 1,533 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6127% | 1,808 |
| Cost of funding earning assets | 0.7101% | 2,005 |
| Net interest margin | 3.9026% | 2,202 |
| Noninterest income to average assets | 0.6954% | 2,665 |
| Noninterest expense to average assets | 2.4675% | 4,846 |
| Loan and lease loss provision to assets | 0.2206% | 1,719 |
| Net operating income to assets | 1.0537% | 2,102 |
| Return on assets (ROA) | 1.0537% | 2,220 |
| Pretax return on assets | 1.5544% | 1,470 |
| Return on Equity (ROE) | 9.4285% | 2,444 |
| Retained earnings to average equity (ytd only) | 7.3912% | 1,716 |
| Net charge-offs to loans | 0.0751% | 3,640 |
| Credit loss provision to net charge-offs | 367.6471% | 703 |
| Earnings coverage of net charge-offs (x) | 29.5784% | 1,159 |
| Efficiency ratio | 58.1611% | 5,714 |
| Assets per employee ($millions) | 5.0464% | 2,062 |
| Cash dividends to net income (ytd only)* | 21.6080% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 5,485 |
| Loan loss allowance to noncurrent loans | 98.7488% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 3,679 |
| Noncurrent loans to loans | 1.1037% | 3,724 |
| Net loans and leases to total assets | 81.4030% | 395 |
| Net loans and leases to deposits | 97.3894% | 582 |
| Net loans and leases to core deposits | 199.8798% | 44 |
| Total domestic deposits to total assets | 83.5851% | 4,481 |
| Equity capital to assets | 11.2170% | 2,545 |
| Core capital (leverage) ratio | 11.1714% | 2,196 |
| Tier 1 risk-based capital ratio | 14.4179% | 4,150 |
| Total risk-based capital ratio | 15.5869% | 4,154 |
| Memoranda: | ||
| Average total assets | $339,944,000 | 1,911 |
| Average earning assets | $308,973,670 | 1,936 |
| Average equity | $37,991,000 | 1,846 |
| Average total loans | $271,538,330 | 1,550 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 1,552 |
| Cost of funding earning assets | 0.7408% | 1,918 |
| Net interest margin | 3.9529% | 1,939 |
| Noninterest income to average assets | 0.5805% | 3,248 |
| Noninterest expense to average assets | 2.4425% | 4,973 |
| Loan and lease loss provision to assets | 0.2223% | 1,665 |
| Net operating income to assets | 1.0416% | 2,067 |
| Return on assets (ROA) | 1.0416% | 2,173 |
| Pretax return on assets | 1.4861% | 1,596 |
| Return on Equity (ROE) | 9.3374% | 2,335 |
| Retained earnings to average equity (ytd only) | 8.4154% | 1,600 |
| Net charge-offs to loans | 0.1443% | 2,542 |
| Credit loss provision to net charge-offs | 195.8333% | 1,111 |
| Earnings coverage of net charge-offs (x) | 15.0521% | 1,419 |
| Efficiency ratio | 58.8436% | 5,739 |
| Assets per employee ($millions) | 5.3070% | 1,856 |
| Cash dividends to net income (ytd only)* | 9.8751% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 5,687 |
| Loan loss allowance to noncurrent loans | 99.7590% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9972% | 3,929 |
| Noncurrent loans to loans | 1.0809% | 3,989 |
| Net loans and leases to total assets | 78.2473% | 588 |
| Net loans and leases to deposits | 93.7694% | 681 |
| Net loans and leases to core deposits | 208.6904% | 43 |
| Total domestic deposits to total assets | 83.4465% | 4,694 |
| Equity capital to assets | 11.2282% | 2,708 |
| Core capital (leverage) ratio | 11.0329% | 2,234 |
| Tier 1 risk-based capital ratio | 14.6912% | 4,046 |
| Total risk-based capital ratio | 15.8306% | 4,083 |
| Memoranda: | ||
| Average total assets | $338,337,500 | 1,942 |
| Average earning assets | $305,595,500 | 1,976 |
| Average equity | $37,740,500 | 1,878 |
| Average total loans | $266,098,500 | 1,582 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8105% | 2,150 |
| Cost of funding earning assets | 0.9074% | 1,897 |
| Net interest margin | 3.9031% | 2,813 |
| Noninterest income to average assets | 0.7546% | 2,474 |
| Noninterest expense to average assets | 2.6310% | 4,636 |
| Loan and lease loss provision to assets | 0.2560% | 2,605 |
| Net operating income to assets | 0.9624% | 2,488 |
| Return on assets (ROA) | 0.9624% | 2,727 |
| Pretax return on assets | 1.3788% | 2,114 |
| Return on Equity (ROE) | 8.6200% | 2,819 |
| Retained earnings to average equity (ytd only) | 7.1778% | 1,485 |
| Net charge-offs to loans | 0.3206% | 3,041 |
| Credit loss provision to net charge-offs | 105.6338% | 2,818 |
| Earnings coverage of net charge-offs (x) | 6.7465% | 2,750 |
| Efficiency ratio | 61.6772% | 5,288 |
| Assets per employee ($millions) | 5.1851% | 2,009 |
| Cash dividends to net income (ytd only)* | 16.7311% | 3,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 5,698 |
| Loan loss allowance to noncurrent loans | 106.2903% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8892% | 4,266 |
| Noncurrent loans to loans | 1.0014% | 4,188 |
| Net loans and leases to total assets | 77.3617% | 752 |
| Net loans and leases to deposits | 92.9264% | 833 |
| Net loans and leases to core deposits | 179.0951% | 56 |
| Total domestic deposits to total assets | 83.2505% | 4,623 |
| Equity capital to assets | 11.0806% | 2,860 |
| Core capital (leverage) ratio | 11.2134% | 2,079 |
| Tier 1 risk-based capital ratio | 13.7192% | 4,589 |
| Total risk-based capital ratio | 14.7736% | 4,689 |
| Memoranda: | ||
| Average total assets | $322,309,000 | 1,997 |
| Average earning assets | $289,951,600 | 2,043 |
| Average equity | $35,986,000 | 1,923 |
| Average total loans | $243,622,600 | 1,697 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8621% | 2,147 |
| Cost of funding earning assets | 0.9306% | 1,974 |
| Net interest margin | 3.9316% | 2,796 |
| Noninterest income to average assets | 0.6515% | 2,986 |
| Noninterest expense to average assets | 2.5161% | 5,027 |
| Loan and lease loss provision to assets | 0.2825% | 2,308 |
| Net operating income to assets | 0.9683% | 2,666 |
| Return on assets (ROA) | 0.9683% | 2,884 |
| Pretax return on assets | 1.3905% | 2,269 |
| Return on Equity (ROE) | 8.6552% | 2,976 |
| Retained earnings to average equity (ytd only) | 7.0469% | 2,096 |
| Net charge-offs to loans | 0.4352% | 2,360 |
| Credit loss provision to net charge-offs | 86.6496% | 3,408 |
| Earnings coverage of net charge-offs (x) | 5.1322% | 3,103 |
| Efficiency ratio | 60.0639% | 5,487 |
| Assets per employee ($millions) | 5.5412% | 1,601 |
| Cash dividends to net income (ytd only)* | 18.5826% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 5,813 |
| Loan loss allowance to noncurrent loans | 95.4056% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.5542% | 3,260 |
| Noncurrent loans to loans | 1.1295% | 4,169 |
| Net loans and leases to total assets | 74.6323% | 1,157 |
| Net loans and leases to deposits | 90.3438% | 1,108 |
| Net loans and leases to core deposits | 163.1131% | 75 |
| Total domestic deposits to total assets | 82.6092% | 4,784 |
| Equity capital to assets | 11.2250% | 3,011 |
| Core capital (leverage) ratio | 10.9588% | 2,433 |
| Tier 1 risk-based capital ratio | 14.4703% | 4,206 |
| Total risk-based capital ratio | 15.5444% | 4,295 |
| Memoranda: | ||
| Average total assets | $318,628,750 | 2,034 |
| Average earning assets | $286,698,500 | 2,087 |
| Average equity | $35,646,250 | 1,955 |
| Average total loans | $238,644,000 | 1,737 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8961% | 2,125 |
| Cost of funding earning assets | 0.9400% | 2,118 |
| Net interest margin | 3.9561% | 2,696 |
| Noninterest income to average assets | 0.5123% | 3,846 |
| Noninterest expense to average assets | 2.5055% | 5,116 |
| Loan and lease loss provision to assets | 0.2374% | 2,698 |
| Net operating income to assets | 0.9416% | 2,703 |
| Return on assets (ROA) | 0.9416% | 2,965 |
| Pretax return on assets | 1.3481% | 2,394 |
| Return on Equity (ROE) | 8.4260% | 3,057 |
| Retained earnings to average equity (ytd only) | 6.7204% | 2,261 |
| Net charge-offs to loans | 0.2466% | 3,098 |
| Credit loss provision to net charge-offs | 128.8660% | 2,133 |
| Earnings coverage of net charge-offs (x) | 8.6048% | 2,268 |
| Efficiency ratio | 61.2444% | 5,377 |
| Assets per employee ($millions) | 5.4391% | 1,667 |
| Cash dividends to net income (ytd only)* | 20.2421% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,569 |
| Loan loss allowance to noncurrent loans | 133.1929% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 1.3808% | 3,666 |
| Noncurrent loans to loans | 0.8637% | 4,778 |
| Net loans and leases to total assets | 76.1777% | 945 |
| Net loans and leases to deposits | 91.0709% | 1,039 |
| Net loans and leases to core deposits | 178.1868% | 65 |
| Total domestic deposits to total assets | 83.6466% | 4,467 |
| Equity capital to assets | 11.2164% | 2,873 |
| Core capital (leverage) ratio | 11.3347% | 2,018 |
| Tier 1 risk-based capital ratio | 14.3830% | 4,187 |
| Total risk-based capital ratio | 15.5479% | 4,204 |
| Memoranda: | ||
| Average total assets | $315,861,330 | 2,054 |
| Average earning assets | $285,739,000 | 2,085 |
| Average equity | $35,295,670 | 1,961 |
| Average total loans | $235,974,000 | 1,748 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9336% | 2,119 |
| Cost of funding earning assets | 0.9813% | 2,095 |
| Net interest margin | 3.9523% | 2,707 |
| Noninterest income to average assets | 0.6855% | 2,729 |
| Noninterest expense to average assets | 2.6540% | 4,604 |
| Loan and lease loss provision to assets | 0.2872% | 2,165 |
| Net operating income to assets | 0.9153% | 2,848 |
| Return on assets (ROA) | 0.9153% | 3,065 |
| Pretax return on assets | 1.2970% | 2,547 |
| Return on Equity (ROE) | 8.2068% | 3,191 |
| Retained earnings to average equity (ytd only) | 6.5357% | 2,661 |
| Net charge-offs to loans | 0.4516% | 1,962 |
| Credit loss provision to net charge-offs | 86.5385% | 2,613 |
| Earnings coverage of net charge-offs (x) | 4.7731% | 2,504 |
| Efficiency ratio | 62.6205% | 5,169 |
| Assets per employee ($millions) | 5.3269% | 1,857 |
| Cash dividends to net income (ytd only)* | 20.3626% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 5,619 |
| Loan loss allowance to noncurrent loans | 67.4085% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.5397% | 3,556 |
| Noncurrent loans to loans | 1.7413% | 3,503 |
| Net loans and leases to total assets | 74.2862% | 1,016 |
| Net loans and leases to deposits | 86.5999% | 1,338 |
| Net loans and leases to core deposits | 164.5097% | 79 |
| Total domestic deposits to total assets | 85.7810% | 3,647 |
| Equity capital to assets | 11.3866% | 2,538 |
| Core capital (leverage) ratio | 11.1232% | 2,169 |
| Tier 1 risk-based capital ratio | 14.9194% | 3,809 |
| Total risk-based capital ratio | 16.0987% | 3,827 |
| Memoranda: | ||
| Average total assets | $313,339,500 | 2,073 |
| Average earning assets | $281,662,000 | 2,121 |
| Average equity | $34,946,500 | 1,981 |
| Average total loans | $230,309,500 | 1,789 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 2,588 |
| Cost of funding earning assets | 1.1396% | 2,415 |
| Net interest margin | 3.9240% | 3,231 |
| Noninterest income to average assets | 0.4154% | 4,489 |
| Noninterest expense to average assets | 2.3785% | 5,830 |
| Loan and lease loss provision to assets | 0.2804% | 3,423 |
| Net operating income to assets | 0.8487% | 2,828 |
| Return on assets (ROA) | 0.8487% | 2,979 |
| Pretax return on assets | 1.2205% | 2,388 |
| Return on Equity (ROE) | 8.7852% | 2,549 |
| Retained earnings to average equity (ytd only) | 7.0899% | 1,457 |
| Net charge-offs to loans | 0.2772% | 4,040 |
| Credit loss provision to net charge-offs | 141.1290% | 2,079 |
| Earnings coverage of net charge-offs (x) | 7.5532% | 2,321 |
| Efficiency ratio | 61.3103% | 5,562 |
| Assets per employee ($millions) | 5.2953% | 1,833 |
| Cash dividends to net income (ytd only)* | 19.2976% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 5,347 |
| Loan loss allowance to noncurrent loans | 51.3197% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.8677% | 3,161 |
| Noncurrent loans to loans | 2.3557% | 2,785 |
| Net loans and leases to total assets | 71.0116% | 1,822 |
| Net loans and leases to deposits | 82.3956% | 2,147 |
| Net loans and leases to core deposits | 159.5951% | 111 |
| Total domestic deposits to total assets | 86.1837% | 3,208 |
| Equity capital to assets | 10.9257% | 3,048 |
| Core capital (leverage) ratio | 10.8193% | 2,423 |
| Tier 1 risk-based capital ratio | 15.1831% | 3,528 |
| Total risk-based capital ratio | 16.4191% | 3,500 |
| Memoranda: | ||
| Average total assets | $312,001,400 | 2,057 |
| Average earning assets | $275,436,400 | 2,131 |
| Average equity | $30,141,600 | 2,187 |
| Average total loans | $223,674,400 | 1,846 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 2,993 |
| Cost of funding earning assets | 1.1995% | 2,319 |
| Net interest margin | 3.8214% | 3,760 |
| Noninterest income to average assets | 0.5057% | 3,827 |
| Noninterest expense to average assets | 2.3745% | 5,832 |
| Loan and lease loss provision to assets | 0.2954% | 3,163 |
| Net operating income to assets | 0.8247% | 3,046 |
| Return on assets (ROA) | 0.8247% | 3,211 |
| Pretax return on assets | 1.2059% | 2,608 |
| Return on Equity (ROE) | 8.8323% | 2,683 |
| Retained earnings to average equity (ytd only) | 6.7266% | 2,120 |
| Net charge-offs to loans | 0.3673% | 3,256 |
| Credit loss provision to net charge-offs | 112.2349% | 2,915 |
| Earnings coverage of net charge-offs (x) | 5.7048% | 2,714 |
| Efficiency ratio | 61.2650% | 5,524 |
| Assets per employee ($millions) | 5.3325% | 1,769 |
| Cash dividends to net income (ytd only)* | 23.8417% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 5,596 |
| Loan loss allowance to noncurrent loans | 57.3268% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.6077% | 3,672 |
| Noncurrent loans to loans | 2.0390% | 3,317 |
| Net loans and leases to total assets | 69.3872% | 2,196 |
| Net loans and leases to deposits | 80.3304% | 2,610 |
| Net loans and leases to core deposits | 161.5753% | 110 |
| Total domestic deposits to total assets | 86.3772% | 2,996 |
| Equity capital to assets | 10.7628% | 3,409 |
| Core capital (leverage) ratio | 10.5319% | 2,830 |
| Tier 1 risk-based capital ratio | 15.1580% | 3,575 |
| Total risk-based capital ratio | 16.3388% | 3,582 |
| Memoranda: | ||
| Average total assets | $310,571,750 | 2,070 |
| Average earning assets | $273,892,000 | 2,143 |
| Average equity | $28,998,750 | 2,268 |
| Average total loans | $222,498,250 | 1,869 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 3,196 |
| Cost of funding earning assets | 1.2094% | 2,511 |
| Net interest margin | 3.7817% | 3,882 |
| Noninterest income to average assets | 0.3305% | 5,247 |
| Noninterest expense to average assets | 2.3200% | 6,066 |
| Loan and lease loss provision to assets | 0.2425% | 3,480 |
| Net operating income to assets | 0.7729% | 3,187 |
| Return on assets (ROA) | 0.7729% | 3,322 |
| Pretax return on assets | 1.1293% | 2,726 |
| Return on Equity (ROE) | 8.7297% | 2,626 |
| Retained earnings to average equity (ytd only) | 7.7728% | 1,542 |
| Net charge-offs to loans | 0.1336% | 4,407 |
| Credit loss provision to net charge-offs | 251.6779% | 1,201 |
| Earnings coverage of net charge-offs (x) | 14.2349% | 1,494 |
| Efficiency ratio | 62.8416% | 5,430 |
| Assets per employee ($millions) | 5.4727% | 1,594 |
| Cash dividends to net income (ytd only)* | 10.9623% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,465 |
| Loan loss allowance to noncurrent loans | 54.4639% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.7862% | 3,528 |
| Noncurrent loans to loans | 2.2398% | 3,174 |
| Net loans and leases to total assets | 70.9429% | 2,017 |
| Net loans and leases to deposits | 80.4694% | 2,713 |
| Net loans and leases to core deposits | 171.0031% | 98 |
| Total domestic deposits to total assets | 88.1613% | 2,036 |
| Equity capital to assets | 9.0032% | 5,577 |
| Core capital (leverage) ratio | 8.9341% | 4,829 |
| Tier 1 risk-based capital ratio | 12.7697% | 5,116 |
| Total risk-based capital ratio | 14.0198% | 5,082 |
| Memoranda: | ||
| Average total assets | $309,222,330 | 2,080 |
| Average earning assets | $274,849,330 | 2,145 |
| Average equity | $27,377,670 | 2,356 |
| Average total loans | $223,035,000 | 1,887 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8923% | 3,627 |
| Cost of funding earning assets | 1.2336% | 2,606 |
| Net interest margin | 3.6587% | 4,289 |
| Noninterest income to average assets | 0.3937% | 4,753 |
| Noninterest expense to average assets | 2.2660% | 6,267 |
| Loan and lease loss provision to assets | 0.2417% | 3,258 |
| Net operating income to assets | 0.7796% | 3,124 |
| Return on assets (ROA) | 0.7796% | 3,196 |
| Pretax return on assets | 1.1538% | 2,542 |
| Return on Equity (ROE) | 8.8810% | 2,518 |
| Retained earnings to average equity (ytd only) | 7.9189% | 1,768 |
| Net charge-offs to loans | 0.2481% | 3,096 |
| Credit loss provision to net charge-offs | 134.7826% | 2,061 |
| Earnings coverage of net charge-offs (x) | 7.7826% | 1,896 |
| Efficiency ratio | 61.8879% | 5,701 |
| Assets per employee ($millions) | 5.1479% | 1,963 |
| Cash dividends to net income (ytd only)* | 10.8333% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,834 |
| Loan loss allowance to noncurrent loans | 46.2276% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 1.9863% | 3,336 |
| Noncurrent loans to loans | 2.4943% | 2,994 |
| Net loans and leases to total assets | 70.9113% | 1,949 |
| Net loans and leases to deposits | 80.3329% | 2,654 |
| Net loans and leases to core deposits | 181.4421% | 92 |
| Total domestic deposits to total assets | 88.2719% | 2,209 |
| Equity capital to assets | 8.8548% | 5,411 |
| Core capital (leverage) ratio | 8.7802% | 4,955 |
| Tier 1 risk-based capital ratio | 12.5559% | 5,209 |
| Total risk-based capital ratio | 13.7432% | 5,250 |
| Memoranda: | ||
| Average total assets | $307,861,500 | 2,109 |
| Average earning assets | $274,960,500 | 2,163 |
| Average equity | $27,024,000 | 2,373 |
| Average total loans | $222,535,000 | 1,913 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2131% | 3,540 |
| Cost of funding earning assets | 1.4763% | 2,779 |
| Net interest margin | 3.7367% | 4,199 |
| Noninterest income to average assets | 0.6349% | 3,249 |
| Noninterest expense to average assets | 2.7537% | 4,770 |
| Loan and lease loss provision to assets | 0.3045% | 4,366 |
| Net operating income to assets | 0.7340% | 3,078 |
| Return on assets (ROA) | 0.7577% | 3,086 |
| Pretax return on assets | 1.1278% | 2,472 |
| Return on Equity (ROE) | 8.0963% | 2,668 |
| Retained earnings to average equity (ytd only) | 6.2818% | 1,675 |
| Net charge-offs to loans | 0.5304% | 3,501 |
| Credit loss provision to net charge-offs | 74.6269% | 5,748 |
| Earnings coverage of net charge-offs (x) | 3.4232% | 3,372 |
| Efficiency ratio | 66.3444% | 4,904 |
| Assets per employee ($millions) | 4.9492% | 2,221 |
| Cash dividends to net income (ytd only)* | 22.4113% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 5,870 |
| Loan loss allowance to noncurrent loans | 59.6667% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.6115% | 3,899 |
| Noncurrent loans to loans | 1.8793% | 3,712 |
| Net loans and leases to total assets | 72.0166% | 2,106 |
| Net loans and leases to deposits | 81.6255% | 2,879 |
| Net loans and leases to core deposits | 155.6964% | 160 |
| Total domestic deposits to total assets | 88.2281% | 2,106 |
| Equity capital to assets | 8.7007% | 5,585 |
| Core capital (leverage) ratio | 9.0251% | 4,501 |
| Tier 1 risk-based capital ratio | 12.4630% | 5,055 |
| Total risk-based capital ratio | 13.6408% | 5,098 |
| Memoranda: | ||
| Average total assets | $279,120,000 | 2,288 |
| Average earning assets | $262,609,200 | 2,232 |
| Average equity | $26,123,200 | 2,449 |
| Average total loans | $214,732,600 | 2,018 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2437% | 3,614 |
| Cost of funding earning assets | 1.4692% | 3,150 |
| Net interest margin | 3.7745% | 4,076 |
| Noninterest income to average assets | 0.4531% | 4,538 |
| Noninterest expense to average assets | 2.6604% | 5,064 |
| Loan and lease loss provision to assets | 0.2204% | 4,856 |
| Net operating income to assets | 0.7783% | 3,093 |
| Return on assets (ROA) | 0.7911% | 3,207 |
| Pretax return on assets | 1.1781% | 2,573 |
| Return on Equity (ROE) | 8.2884% | 2,795 |
| Retained earnings to average equity (ytd only) | 6.3946% | 2,140 |
| Net charge-offs to loans | 0.2384% | 4,516 |
| Credit loss provision to net charge-offs | 118.4211% | 3,501 |
| Earnings coverage of net charge-offs (x) | 7.4106% | 2,339 |
| Efficiency ratio | 65.8543% | 4,893 |
| Assets per employee ($millions) | 4.6134% | 2,726 |
| Cash dividends to net income (ytd only)* | 22.8484% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,872 |
| Loan loss allowance to noncurrent loans | 61.9810% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.9397% | 3,554 |
| Noncurrent loans to loans | 2.1215% | 3,550 |
| Net loans and leases to total assets | 77.7078% | 1,088 |
| Net loans and leases to deposits | 91.2340% | 1,546 |
| Net loans and leases to core deposits | 182.5632% | 104 |
| Total domestic deposits to total assets | 85.1742% | 3,529 |
| Equity capital to assets | 9.6557% | 4,609 |
| Core capital (leverage) ratio | 9.2324% | 4,309 |
| Tier 1 risk-based capital ratio | 12.9320% | 4,627 |
| Total risk-based capital ratio | 14.1841% | 4,605 |
| Memoranda: | ||
| Average total assets | $272,187,500 | 2,376 |
| Average earning assets | $258,641,250 | 2,302 |
| Average equity | $25,979,500 | 2,500 |
| Average total loans | $212,543,500 | 2,072 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2543% | 3,689 |
| Cost of funding earning assets | 1.4878% | 3,318 |
| Net interest margin | 3.7665% | 4,062 |
| Noninterest income to average assets | 0.3481% | 5,370 |
| Noninterest expense to average assets | 2.6374% | 5,180 |
| Loan and lease loss provision to assets | 0.2217% | 4,680 |
| Net operating income to assets | 0.7198% | 3,315 |
| Return on assets (ROA) | 0.7294% | 3,429 |
| Pretax return on assets | 1.0781% | 2,854 |
| Return on Equity (ROE) | 7.6719% | 3,029 |
| Retained earnings to average equity (ytd only) | 5.6509% | 2,525 |
| Net charge-offs to loans | 0.0019% | 6,358 |
| Credit loss provision to net charge-offs | 15,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 870.0000% | 32 |
| Efficiency ratio | 67.2255% | 4,722 |
| Assets per employee ($millions) | 4.8364% | 2,396 |
| Cash dividends to net income (ytd only)* | 26.3425% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 4,237 |
| Loan loss allowance to noncurrent loans | 71.8968% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.7725% | 3,798 |
| Noncurrent loans to loans | 2.0022% | 3,713 |
| Net loans and leases to total assets | 75.4961% | 1,597 |
| Net loans and leases to deposits | 88.3961% | 2,112 |
| Net loans and leases to core deposits | 140.3081% | 285 |
| Total domestic deposits to total assets | 85.4066% | 3,418 |
| Equity capital to assets | 9.2974% | 5,008 |
| Core capital (leverage) ratio | 9.1409% | 4,388 |
| Tier 1 risk-based capital ratio | 12.8744% | 4,549 |
| Total risk-based capital ratio | 14.1280% | 4,499 |
| Memoranda: | ||
| Average total assets | $270,649,670 | 2,415 |
| Average earning assets | $256,894,330 | 2,333 |
| Average equity | $25,730,330 | 2,512 |
| Average total loans | $210,737,330 | 2,114 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2799% | 3,648 |
| Cost of funding earning assets | 1.5054% | 3,517 |
| Net interest margin | 3.7745% | 3,900 |
| Noninterest income to average assets | 0.2830% | 5,877 |
| Noninterest expense to average assets | 2.6750% | 5,030 |
| Loan and lease loss provision to assets | 0.2258% | 4,233 |
| Net operating income to assets | 0.6586% | 3,623 |
| Return on assets (ROA) | 0.6985% | 3,558 |
| Pretax return on assets | 1.0266% | 2,983 |
| Return on Equity (ROE) | 7.2626% | 3,216 |
| Retained earnings to average equity (ytd only) | 5.2278% | 3,028 |
| Net charge-offs to loans | 0.0058% | 5,532 |
| Credit loss provision to net charge-offs | 5,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 264.3333% | 129 |
| Efficiency ratio | 69.1440% | 4,483 |
| Assets per employee ($millions) | 4.9356% | 2,322 |
| Cash dividends to net income (ytd only)* | 28.0172% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 4,581 |
| Loan loss allowance to noncurrent loans | 64.0122% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.8561% | 3,697 |
| Noncurrent loans to loans | 2.1391% | 3,601 |
| Net loans and leases to total assets | 76.6708% | 1,398 |
| Net loans and leases to deposits | 91.0205% | 1,758 |
| Net loans and leases to core deposits | 138.4774% | 346 |
| Total domestic deposits to total assets | 84.2347% | 4,029 |
| Equity capital to assets | 9.3107% | 4,819 |
| Core capital (leverage) ratio | 9.4461% | 3,859 |
| Tier 1 risk-based capital ratio | 12.4986% | 4,753 |
| Total risk-based capital ratio | 13.7511% | 4,701 |
| Memoranda: | ||
| Average total assets | $265,719,500 | 2,512 |
| Average earning assets | $252,428,000 | 2,421 |
| Average equity | $25,555,500 | 2,558 |
| Average total loans | $208,672,500 | 2,191 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3870% | 4,755 |
| Cost of funding earning assets | 1.9478% | 3,227 |
| Net interest margin | 3.4393% | 5,220 |
| Noninterest income to average assets | 0.4142% | 5,086 |
| Noninterest expense to average assets | 3.0168% | 4,087 |
| Loan and lease loss provision to assets | 0.2439% | 5,431 |
| Net operating income to assets | 0.3062% | 4,511 |
| Return on assets (ROA) | 0.3385% | 4,466 |
| Pretax return on assets | 0.4483% | 4,358 |
| Return on Equity (ROE) | 3.3406% | 4,362 |
| Retained earnings to average equity (ytd only) | 1.2699% | 4,152 |
| Net charge-offs to loans | 0.1728% | 5,565 |
| Credit loss provision to net charge-offs | 174.6988% | 2,407 |
| Earnings coverage of net charge-offs (x) | 4.6536% | 2,867 |
| Efficiency ratio | 82.2801% | 2,565 |
| Assets per employee ($millions) | 4.4745% | 2,970 |
| Cash dividends to net income (ytd only)* | 61.9876% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 4,337 |
| Loan loss allowance to noncurrent loans | 58.7432% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.9890% | 3,414 |
| Noncurrent loans to loans | 2.3497% | 3,230 |
| Net loans and leases to total assets | 78.2977% | 1,322 |
| Net loans and leases to deposits | 96.3654% | 1,288 |
| Net loans and leases to core deposits | 125.3498% | 1,563 |
| Total domestic deposits to total assets | 81.2509% | 5,248 |
| Equity capital to assets | 9.9499% | 3,833 |
| Core capital (leverage) ratio | 10.0312% | 3,054 |
| Tier 1 risk-based capital ratio | 12.8372% | 4,253 |
| Total risk-based capital ratio | 14.0898% | 4,208 |
| Memoranda: | ||
| Average total assets | $237,799,400 | 2,737 |
| Average earning assets | $224,873,200 | 2,651 |
| Average equity | $24,097,200 | 2,714 |
| Average total loans | $192,185,000 | 2,376 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3620% | 5,126 |
| Cost of funding earning assets | 2.0382% | 3,169 |
| Net interest margin | 3.3238% | 5,546 |
| Noninterest income to average assets | 0.3569% | 5,637 |
| Noninterest expense to average assets | 2.9277% | 4,325 |
| Loan and lease loss provision to assets | 0.2198% | 5,215 |
| Net operating income to assets | 0.2815% | 4,855 |
| Return on assets (ROA) | 0.2815% | 4,965 |
| Pretax return on assets | 0.3540% | 4,916 |
| Return on Equity (ROE) | 2.7645% | 4,894 |
| Retained earnings to average equity (ytd only) | 0.7009% | 4,893 |
| Net charge-offs to loans | 0.0935% | 5,744 |
| Credit loss provision to net charge-offs | 289.4737% | 1,435 |
| Earnings coverage of net charge-offs (x) | 7.5564% | 2,387 |
| Efficiency ratio | 83.6106% | 2,337 |
| Assets per employee ($millions) | 4.5417% | 2,794 |
| Cash dividends to net income (ytd only)* | 74.6440% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 3,901 |
| Loan loss allowance to noncurrent loans | 60.1935% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.0428% | 3,294 |
| Noncurrent loans to loans | 2.3373% | 3,218 |
| Net loans and leases to total assets | 79.9794% | 1,176 |
| Net loans and leases to deposits | 99.3582% | 1,172 |
| Net loans and leases to core deposits | 140.6652% | 884 |
| Total domestic deposits to total assets | 80.4961% | 5,248 |
| Equity capital to assets | 10.3167% | 3,710 |
| Core capital (leverage) ratio | 9.9446% | 3,344 |
| Tier 1 risk-based capital ratio | 12.9709% | 4,210 |
| Total risk-based capital ratio | 14.2238% | 4,140 |
| Memoranda: | ||
| Average total assets | $233,487,500 | 2,798 |
| Average earning assets | $220,908,000 | 2,710 |
| Average equity | $23,777,250 | 2,781 |
| Average total loans | $189,608,500 | 2,432 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2753% | 5,767 |
| Cost of funding earning assets | 2.0907% | 3,318 |
| Net interest margin | 3.1847% | 5,968 |
| Noninterest income to average assets | 0.3877% | 5,396 |
| Noninterest expense to average assets | 2.8628% | 4,673 |
| Loan and lease loss provision to assets | 0.1220% | 5,892 |
| Net operating income to assets | 0.3250% | 4,784 |
| Return on assets (ROA) | 0.3250% | 4,906 |
| Pretax return on assets | 0.4234% | 4,863 |
| Return on Equity (ROE) | 3.2060% | 4,820 |
| Retained earnings to average equity (ytd only) | 1.2033% | 4,672 |
| Net charge-offs to loans | 0.1244% | 4,919 |
| Credit loss provision to net charge-offs | 120.6897% | 3,848 |
| Earnings coverage of net charge-offs (x) | 5.3966% | 2,841 |
| Efficiency ratio | 83.9980% | 2,472 |
| Assets per employee ($millions) | 4.3163% | 3,085 |
| Cash dividends to net income (ytd only)* | 62.4665% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 4,121 |
| Loan loss allowance to noncurrent loans | 63.5038% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.8681% | 3,375 |
| Noncurrent loans to loans | 2.0877% | 3,403 |
| Net loans and leases to total assets | 77.7461% | 1,808 |
| Net loans and leases to deposits | 96.9159% | 1,667 |
| Net loans and leases to core deposits | 142.0188% | 931 |
| Total domestic deposits to total assets | 80.2202% | 5,387 |
| Equity capital to assets | 10.1321% | 3,788 |
| Core capital (leverage) ratio | 10.3141% | 2,981 |
| Tier 1 risk-based capital ratio | 13.5424% | 3,792 |
| Total risk-based capital ratio | 14.7944% | 3,723 |
| Memoranda: | ||
| Average total assets | $229,565,670 | 2,868 |
| Average earning assets | $217,731,000 | 2,773 |
| Average equity | $23,269,000 | 2,838 |
| Average total loans | $186,494,330 | 2,499 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2584% | 6,072 |
| Cost of funding earning assets | 2.1329% | 3,503 |
| Net interest margin | 3.1255% | 6,121 |
| Noninterest income to average assets | 0.3560% | 5,597 |
| Noninterest expense to average assets | 2.9096% | 4,126 |
| Loan and lease loss provision to assets | 0.1084% | 5,581 |
| Net operating income to assets | 0.2530% | 5,475 |
| Return on assets (ROA) | 0.2530% | 5,639 |
| Pretax return on assets | 0.2855% | 5,712 |
| Return on Equity (ROE) | 2.4956% | 5,575 |
| Retained earnings to average equity (ytd only) | 0.7843% | 5,344 |
| Net charge-offs to loans | -0.0700% | 7,794 |
| Credit loss provision to net charge-offs | -187.5000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0744% | 1,889 |
| Assets per employee ($millions) | 4.1726% | 3,314 |
| Cash dividends to net income (ytd only)* | 68.5714% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 3,469 |
| Loan loss allowance to noncurrent loans | 57.9745% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 2.1752% | 2,635 |
| Noncurrent loans to loans | 2.4240% | 2,716 |
| Net loans and leases to total assets | 80.6776% | 1,260 |
| Net loans and leases to deposits | 102.2273% | 1,154 |
| Net loans and leases to core deposits | 159.2820% | 501 |
| Total domestic deposits to total assets | 78.9198% | 5,759 |
| Equity capital to assets | 10.8578% | 3,115 |
| Core capital (leverage) ratio | 11.1300% | 2,396 |
| Tier 1 risk-based capital ratio | 14.1213% | 3,512 |
| Total risk-based capital ratio | 15.3744% | 3,442 |
| Memoranda: | ||
| Average total assets | $221,334,000 | 2,972 |
| Average earning assets | $208,733,000 | 2,898 |
| Average equity | $22,439,500 | 2,927 |
| Average total loans | $182,817,500 | 2,554 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0383% | 5,371 |
| Cost of funding earning assets | 2.8542% | 2,464 |
| Net interest margin | 3.1842% | 6,409 |
| Noninterest income to average assets | 0.3598% | 5,844 |
| Noninterest expense to average assets | 3.0127% | 4,040 |
| Loan and lease loss provision to assets | 0.0776% | 6,426 |
| Net operating income to assets | 0.2523% | 5,703 |
| Return on assets (ROA) | 0.2598% | 5,495 |
| Pretax return on assets | 0.2543% | 5,621 |
| Return on Equity (ROE) | 2.6475% | 5,363 |
| Retained earnings to average equity (ytd only) | 0.9738% | 4,651 |
| Net charge-offs to loans | 0.1535% | 4,660 |
| Credit loss provision to net charge-offs | 60.4651% | 6,224 |
| Earnings coverage of net charge-offs (x) | 2.5271% | 4,811 |
| Efficiency ratio | 90.2774% | 1,495 |
| Assets per employee ($millions) | 4.1799% | 3,151 |
| Cash dividends to net income (ytd only)* | 63.2184% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 3,021 |
| Loan loss allowance to noncurrent loans | 116.4609% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.0991% | 4,085 |
| Noncurrent loans to loans | 1.2297% | 4,053 |
| Net loans and leases to total assets | 82.2327% | 1,187 |
| Net loans and leases to deposits | 108.0459% | 970 |
| Net loans and leases to core deposits | 159.4894% | 584 |
| Total domestic deposits to total assets | 76.1091% | 6,214 |
| Equity capital to assets | 9.3638% | 4,864 |
| Core capital (leverage) ratio | 9.7601% | 3,699 |
| Tier 1 risk-based capital ratio | 11.5591% | 5,188 |
| Total risk-based capital ratio | 12.8121% | 5,073 |
| Memoranda: | ||
| Average total assets | $200,948,600 | 3,124 |
| Average earning assets | $187,899,200 | 3,072 |
| Average equity | $19,716,400 | 3,273 |
| Average total loans | $168,035,600 | 2,643 |