Home > American Midwest Bank > Performance and Condition Ratios
American Midwest Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,399 |
| Cost of funding earning assets | 0.3624% | 3,479 |
| Net interest margin | 3.5884% | 3,130 |
| Noninterest income to average assets | 0.4358% | 3,570 |
| Noninterest expense to average assets | 4.0649% | 566 |
| Loan and lease loss provision to assets | 0.9014% | 111 |
| Net operating income to assets | -1.2997% | 6,049 |
| Return on assets (ROA) | -1.2997% | 6,051 |
| Pretax return on assets | -1.2997% | 6,042 |
| Return on Equity (ROE) | -10.8159% | 6,031 |
| Retained earnings to average equity (ytd only) | -10.8159% | 5,830 |
| Net charge-offs to loans | 0.0335% | 2,295 |
| Credit loss provision to net charge-offs | 4,114.2857% | 97 |
| Earnings coverage of net charge-offs (x) | -18.1786% | 3,074 |
| Efficiency ratio | 108.4294% | 171 |
| Assets per employee ($millions) | 5.2875% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4457% | 5,914 |
| Loan loss allowance to noncurrent loans | 47.3718% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 1.7189% | 1,118 |
| Noncurrent loans to loans | 0.9409% | 2,495 |
| Net loans and leases to total assets | 65.4343% | 3,041 |
| Net loans and leases to deposits | 75.0339% | 3,320 |
| Net loans and leases to core deposits | 78.0974% | 3,481 |
| Total domestic deposits to total assets | 87.2063% | 2,097 |
| Equity capital to assets | 11.9617% | 2,054 |
| Core capital (leverage) ratio | 9.3068% | 4,483 |
| Tier 1 risk-based capital ratio | 13.9562% | 3,721 |
| Total risk-based capital ratio | 14.4043% | 4,086 |
| Memoranda: | ||
| Average total assets | $511,211,500 | 1,350 |
| Average earning assets | $460,255,000 | 1,389 |
| Average equity | $61,428,000 | 1,273 |
| Average total loans | $334,820,000 | 1,384 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8209% | 6,151 |
| Cost of funding earning assets | 0.0915% | 5,996 |
| Net interest margin | 0.7294% | 6,151 |
| Noninterest income to average assets | 0.2547% | 5,069 |
| Noninterest expense to average assets | 0.6516% | 6,151 |
| Loan and lease loss provision to assets | 0.0748% | 2,772 |
| Net operating income to assets | 0.1827% | 5,612 |
| Return on assets (ROA) | 0.1827% | 5,663 |
| Pretax return on assets | 0.1855% | 5,698 |
| Return on Equity (ROE) | 1.6077% | 5,661 |
| Retained earnings to average equity (ytd only) | 0.6989% | 5,236 |
| Net charge-offs to loans | 0.0029% | 4,365 |
| Credit loss provision to net charge-offs | 3,730.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 129.8000% | 468 |
| Efficiency ratio | 69.7823% | 3,257 |
| Assets per employee ($millions) | 3.7578% | 4,362 |
| Cash dividends to net income (ytd only)* | 56.5313% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1080% | 6,107 |
| Loan loss allowance to noncurrent loans | 13.7500% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 1.6746% | 1,167 |
| Noncurrent loans to loans | 0.7857% | 2,819 |
| Net loans and leases to total assets | 65.1963% | 3,096 |
| Net loans and leases to deposits | 74.4654% | 3,441 |
| Net loans and leases to core deposits | 77.4360% | 3,612 |
| Total domestic deposits to total assets | 87.5524% | 1,866 |
| Equity capital to assets | 12.0698% | 1,906 |
| Core capital (leverage) ratio | 9.7093% | 3,890 |
| Tier 1 risk-based capital ratio | 15.1999% | 3,080 |
| Total risk-based capital ratio | 15.3133% | 3,599 |
| Memoranda: | ||
| Average total assets | $498,641,400 | 1,350 |
| Average earning assets | $449,249,000 | 1,383 |
| Average equity | $56,664,200 | 1,318 |
| Average total loans | $350,458,800 | 1,289 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 1,910 |
| Cost of funding earning assets | 0.4766% | 2,439 |
| Net interest margin | 3.9269% | 1,941 |
| Noninterest income to average assets | 1.2799% | 727 |
| Noninterest expense to average assets | 3.6894% | 991 |
| Loan and lease loss provision to assets | 0.2583% | 649 |
| Net operating income to assets | 0.5844% | 4,457 |
| Return on assets (ROA) | 0.5914% | 4,527 |
| Pretax return on assets | 0.8756% | 4,066 |
| Return on Equity (ROE) | 5.2902% | 4,496 |
| Retained earnings to average equity (ytd only) | -6.5248% | 6,066 |
| Net charge-offs to loans | 0.4459% | 573 |
| Credit loss provision to net charge-offs | 80.9122% | 2,599 |
| Earnings coverage of net charge-offs (x) | 3.5304% | 3,491 |
| Efficiency ratio | 76.6036% | 2,144 |
| Assets per employee ($millions) | 3.4775% | 4,834 |
| Cash dividends to net income (ytd only)* | 223.3364% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 4,574 |
| Loan loss allowance to noncurrent loans | 212.2485% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 2.4711% | 707 |
| Noncurrent loans to loans | 0.4860% | 3,900 |
| Net loans and leases to total assets | 69.2038% | 2,506 |
| Net loans and leases to deposits | 78.0985% | 3,090 |
| Net loans and leases to core deposits | 81.5111% | 3,306 |
| Total domestic deposits to total assets | 88.6110% | 1,228 |
| Equity capital to assets | 10.9505% | 3,081 |
| Core capital (leverage) ratio | 10.3943% | 3,170 |
| Tier 1 risk-based capital ratio | 14.7678% | 3,402 |
| Total risk-based capital ratio | 15.7859% | 3,462 |
| Memoranda: | ||
| Average total assets | $494,596,500 | 1,365 |
| Average earning assets | $445,396,000 | 1,396 |
| Average equity | $55,295,750 | 1,360 |
| Average total loans | $354,071,750 | 1,285 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 1,766 |
| Cost of funding earning assets | 0.4658% | 2,551 |
| Net interest margin | 3.9605% | 1,777 |
| Noninterest income to average assets | 1.2044% | 835 |
| Noninterest expense to average assets | 3.6131% | 1,104 |
| Loan and lease loss provision to assets | 0.0045% | 4,002 |
| Net operating income to assets | 0.7320% | 3,724 |
| Return on assets (ROA) | 0.7417% | 3,781 |
| Pretax return on assets | 1.1647% | 2,917 |
| Return on Equity (ROE) | 6.5891% | 3,835 |
| Retained earnings to average equity (ytd only) | -11.0443% | 6,191 |
| Net charge-offs to loans | 0.1252% | 1,754 |
| Credit loss provision to net charge-offs | 4.9327% | 3,129 |
| Earnings coverage of net charge-offs (x) | 12.8341% | 2,177 |
| Efficiency ratio | 75.7066% | 2,412 |
| Assets per employee ($millions) | 3.4480% | 4,895 |
| Cash dividends to net income (ytd only)* | 267.6133% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 4,806 |
| Loan loss allowance to noncurrent loans | 76.5681% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 3.1227% | 514 |
| Noncurrent loans to loans | 1.3229% | 2,035 |
| Net loans and leases to total assets | 69.9044% | 2,326 |
| Net loans and leases to deposits | 78.8576% | 2,920 |
| Net loans and leases to core deposits | 82.3489% | 3,136 |
| Total domestic deposits to total assets | 88.6463% | 1,330 |
| Equity capital to assets | 10.7239% | 3,194 |
| Core capital (leverage) ratio | 10.2542% | 3,279 |
| Tier 1 risk-based capital ratio | 14.5118% | 3,629 |
| Total risk-based capital ratio | 15.5328% | 3,694 |
| Memoranda: | ||
| Average total assets | $493,703,330 | 1,377 |
| Average earning assets | $444,797,330 | 1,409 |
| Average equity | $55,576,330 | 1,362 |
| Average total loans | $356,188,670 | 1,278 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4287% | 1,660 |
| Cost of funding earning assets | 0.4435% | 2,846 |
| Net interest margin | 3.9852% | 1,610 |
| Noninterest income to average assets | 1.1243% | 890 |
| Noninterest expense to average assets | 3.6314% | 1,096 |
| Loan and lease loss provision to assets | 0.0049% | 3,644 |
| Net operating income to assets | 0.6890% | 3,850 |
| Return on assets (ROA) | 0.7004% | 3,921 |
| Pretax return on assets | 1.1022% | 3,069 |
| Return on Equity (ROE) | 6.0739% | 3,991 |
| Retained earnings to average equity (ytd only) | -13.0845% | 6,198 |
| Net charge-offs to loans | 0.2210% | 1,059 |
| Credit loss provision to net charge-offs | 3.0457% | 2,477 |
| Earnings coverage of net charge-offs (x) | 6.7970% | 2,245 |
| Efficiency ratio | 76.8219% | 2,369 |
| Assets per employee ($millions) | 3.2191% | 5,380 |
| Cash dividends to net income (ytd only)* | 315.4206% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 4,959 |
| Loan loss allowance to noncurrent loans | 169.2523% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 2.6573% | 774 |
| Noncurrent loans to loans | 0.5974% | 3,785 |
| Net loans and leases to total assets | 71.0711% | 1,972 |
| Net loans and leases to deposits | 80.4218% | 2,519 |
| Net loans and leases to core deposits | 83.7250% | 2,805 |
| Total domestic deposits to total assets | 88.3729% | 1,612 |
| Equity capital to assets | 11.1269% | 2,834 |
| Core capital (leverage) ratio | 10.7803% | 2,651 |
| Tier 1 risk-based capital ratio | 14.6649% | 3,618 |
| Total risk-based capital ratio | 15.6783% | 3,684 |
| Memoranda: | ||
| Average total assets | $488,852,000 | 1,393 |
| Average earning assets | $441,935,500 | 1,422 |
| Average equity | $56,372,000 | 1,351 |
| Average total loans | $356,531,000 | 1,275 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 1,472 |
| Cost of funding earning assets | 0.3741% | 3,989 |
| Net interest margin | 4.2559% | 1,154 |
| Noninterest income to average assets | 0.9609% | 1,317 |
| Noninterest expense to average assets | 3.7401% | 1,078 |
| Loan and lease loss provision to assets | -0.1033% | 6,153 |
| Net operating income to assets | 0.7604% | 3,568 |
| Return on assets (ROA) | 0.7697% | 3,621 |
| Pretax return on assets | 1.1426% | 2,911 |
| Return on Equity (ROE) | 6.5150% | 3,889 |
| Retained earnings to average equity (ytd only) | 2.1980% | 4,681 |
| Net charge-offs to loans | 0.3718% | 1,163 |
| Credit loss provision to net charge-offs | -37.5580% | 5,393 |
| Earnings coverage of net charge-offs (x) | 3.7380% | 3,818 |
| Efficiency ratio | 76.7225% | 2,408 |
| Assets per employee ($millions) | 3.1705% | 5,469 |
| Cash dividends to net income (ytd only)* | 66.2617% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 4,669 |
| Loan loss allowance to noncurrent loans | 156.6557% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 2.7879% | 775 |
| Noncurrent loans to loans | 0.6860% | 3,627 |
| Net loans and leases to total assets | 73.3191% | 1,705 |
| Net loans and leases to deposits | 84.1968% | 2,191 |
| Net loans and leases to core deposits | 87.4194% | 2,563 |
| Total domestic deposits to total assets | 87.0807% | 2,234 |
| Equity capital to assets | 11.9533% | 2,046 |
| Core capital (leverage) ratio | 10.8758% | 2,526 |
| Tier 1 risk-based capital ratio | 14.6743% | 3,677 |
| Total risk-based capital ratio | 15.7633% | 3,710 |
| Memoranda: | ||
| Average total assets | $470,600,600 | 1,420 |
| Average earning assets | $420,969,800 | 1,460 |
| Average equity | $55,595,000 | 1,312 |
| Average total loans | $348,012,400 | 1,267 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5969% | 1,571 |
| Cost of funding earning assets | 0.3634% | 4,200 |
| Net interest margin | 4.2335% | 1,195 |
| Noninterest income to average assets | 0.8141% | 1,838 |
| Noninterest expense to average assets | 3.6306% | 1,239 |
| Loan and lease loss provision to assets | 0.0285% | 3,838 |
| Net operating income to assets | 0.6584% | 4,171 |
| Return on assets (ROA) | 0.6701% | 4,197 |
| Pretax return on assets | 0.9481% | 3,800 |
| Return on Equity (ROE) | 5.6895% | 4,400 |
| Retained earnings to average equity (ytd only) | -0.1087% | 5,814 |
| Net charge-offs to loans | 0.4947% | 787 |
| Credit loss provision to net charge-offs | 7.7821% | 3,735 |
| Earnings coverage of net charge-offs (x) | 2.6319% | 3,864 |
| Efficiency ratio | 76.8973% | 2,362 |
| Assets per employee ($millions) | 3.3712% | 5,098 |
| Cash dividends to net income (ytd only)* | 101.9109% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 4,060 |
| Loan loss allowance to noncurrent loans | 157.6538% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 3.2493% | 691 |
| Noncurrent loans to loans | 0.7814% | 3,629 |
| Net loans and leases to total assets | 75.4170% | 1,303 |
| Net loans and leases to deposits | 86.3733% | 1,866 |
| Net loans and leases to core deposits | 89.3841% | 2,281 |
| Total domestic deposits to total assets | 87.3152% | 2,144 |
| Equity capital to assets | 11.9157% | 2,132 |
| Core capital (leverage) ratio | 10.7767% | 2,719 |
| Tier 1 risk-based capital ratio | 14.1122% | 4,134 |
| Total risk-based capital ratio | 15.3544% | 4,077 |
| Memoranda: | ||
| Average total assets | $468,565,750 | 1,442 |
| Average earning assets | $418,240,000 | 1,472 |
| Average equity | $55,187,500 | 1,329 |
| Average total loans | $346,310,250 | 1,274 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 1,752 |
| Cost of funding earning assets | 0.3542% | 4,389 |
| Net interest margin | 4.1698% | 1,317 |
| Noninterest income to average assets | 0.6761% | 2,398 |
| Noninterest expense to average assets | 3.4792% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6693% | 3,996 |
| Return on assets (ROA) | 0.6821% | 4,032 |
| Pretax return on assets | 0.9216% | 3,799 |
| Return on Equity (ROE) | 5.8139% | 4,263 |
| Retained earnings to average equity (ytd only) | -2.1902% | 6,018 |
| Net charge-offs to loans | 0.5583% | 731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.2186% | 3,603 |
| Efficiency ratio | 77.1028% | 2,439 |
| Assets per employee ($millions) | 3.6591% | 4,531 |
| Cash dividends to net income (ytd only)* | 137.6721% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 3,666 |
| Loan loss allowance to noncurrent loans | 96.8463% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 3.6034% | 635 |
| Noncurrent loans to loans | 1.3782% | 2,505 |
| Net loans and leases to total assets | 73.1847% | 1,550 |
| Net loans and leases to deposits | 83.5678% | 2,075 |
| Net loans and leases to core deposits | 86.2462% | 2,493 |
| Total domestic deposits to total assets | 87.5752% | 2,154 |
| Equity capital to assets | 11.7921% | 2,166 |
| Core capital (leverage) ratio | 10.6301% | 2,792 |
| Tier 1 risk-based capital ratio | 14.0433% | 4,234 |
| Total risk-based capital ratio | 15.2942% | 4,165 |
| Memoranda: | ||
| Average total assets | $468,557,000 | 1,434 |
| Average earning assets | $416,708,330 | 1,476 |
| Average equity | $54,971,330 | 1,318 |
| Average total loans | $342,478,330 | 1,283 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4411% | 1,985 |
| Cost of funding earning assets | 0.3452% | 4,587 |
| Net interest margin | 4.0959% | 1,458 |
| Noninterest income to average assets | 0.8424% | 1,595 |
| Noninterest expense to average assets | 3.4413% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6709% | 3,839 |
| Return on assets (ROA) | 0.6760% | 3,895 |
| Pretax return on assets | 1.0618% | 3,080 |
| Return on Equity (ROE) | 5.7766% | 4,141 |
| Retained earnings to average equity (ytd only) | -10.2695% | 6,370 |
| Net charge-offs to loans | 0.2718% | 1,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.3593% | 2,383 |
| Efficiency ratio | 74.3074% | 3,080 |
| Assets per employee ($millions) | 3.6639% | 4,602 |
| Cash dividends to net income (ytd only)* | 277.7778% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5788% | 2,800 |
| Loan loss allowance to noncurrent loans | 71.6653% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 3.7057% | 678 |
| Noncurrent loans to loans | 2.2030% | 1,653 |
| Net loans and leases to total assets | 70.7225% | 1,772 |
| Net loans and leases to deposits | 81.1104% | 2,150 |
| Net loans and leases to core deposits | 83.5585% | 2,563 |
| Total domestic deposits to total assets | 87.1928% | 2,708 |
| Equity capital to assets | 11.4791% | 2,269 |
| Core capital (leverage) ratio | 10.3537% | 3,110 |
| Tier 1 risk-based capital ratio | 13.9496% | 4,362 |
| Total risk-based capital ratio | 15.2037% | 4,304 |
| Memoranda: | ||
| Average total assets | $468,654,000 | 1,434 |
| Average earning assets | $418,274,000 | 1,478 |
| Average equity | $54,842,000 | 1,318 |
| Average total loans | $340,014,000 | 1,292 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 2,383 |
| Cost of funding earning assets | 0.4061% | 4,577 |
| Net interest margin | 4.0464% | 1,815 |
| Noninterest income to average assets | 0.8328% | 1,924 |
| Noninterest expense to average assets | 3.5165% | 1,614 |
| Loan and lease loss provision to assets | 0.2189% | 1,665 |
| Net operating income to assets | 2.1263% | 281 |
| Return on assets (ROA) | 2.1417% | 273 |
| Pretax return on assets | 0.7674% | 4,272 |
| Return on Equity (ROE) | 19.0046% | 336 |
| Retained earnings to average equity (ytd only) | 3.4619% | 3,770 |
| Net charge-offs to loans | 0.3279% | 2,035 |
| Credit loss provision to net charge-offs | 95.6284% | 2,617 |
| Earnings coverage of net charge-offs (x) | 4.2404% | 3,625 |
| Efficiency ratio | 76.2128% | 2,739 |
| Assets per employee ($millions) | 3.6587% | 4,568 |
| Cash dividends to net income (ytd only)* | 81.7837% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 2,600 |
| Loan loss allowance to noncurrent loans | 60.8133% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 3.6453% | 775 |
| Noncurrent loans to loans | 2.7018% | 1,350 |
| Net loans and leases to total assets | 72.0537% | 1,669 |
| Net loans and leases to deposits | 83.0373% | 2,049 |
| Net loans and leases to core deposits | 85.4277% | 2,517 |
| Total domestic deposits to total assets | 86.7727% | 2,847 |
| Equity capital to assets | 11.9287% | 1,847 |
| Core capital (leverage) ratio | 10.7119% | 2,665 |
| Tier 1 risk-based capital ratio | 14.4301% | 3,998 |
| Total risk-based capital ratio | 15.6851% | 3,938 |
| Memoranda: | ||
| Average total assets | $479,563,800 | 1,387 |
| Average earning assets | $433,125,000 | 1,405 |
| Average equity | $54,044,800 | 1,316 |
| Average total loans | $334,831,000 | 1,274 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 2,613 |
| Cost of funding earning assets | 0.4185% | 4,639 |
| Net interest margin | 3.9763% | 2,019 |
| Noninterest income to average assets | 0.8784% | 1,828 |
| Noninterest expense to average assets | 3.4399% | 1,743 |
| Loan and lease loss provision to assets | 0.2483% | 1,440 |
| Net operating income to assets | 0.7572% | 3,572 |
| Return on assets (ROA) | 0.7744% | 3,617 |
| Pretax return on assets | 0.8069% | 4,265 |
| Return on Equity (ROE) | 6.9695% | 3,664 |
| Retained earnings to average equity (ytd only) | -12.8938% | 6,682 |
| Net charge-offs to loans | 0.3847% | 1,666 |
| Credit loss provision to net charge-offs | 93.5551% | 2,544 |
| Earnings coverage of net charge-offs (x) | 3.9096% | 3,586 |
| Efficiency ratio | 74.6888% | 2,951 |
| Assets per employee ($millions) | 3.5430% | 4,760 |
| Cash dividends to net income (ytd only)* | 285.0020% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6309% | 2,880 |
| Loan loss allowance to noncurrent loans | 61.5988% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 3.8937% | 817 |
| Noncurrent loans to loans | 2.6476% | 1,598 |
| Net loans and leases to total assets | 73.6244% | 1,343 |
| Net loans and leases to deposits | 83.8603% | 1,892 |
| Net loans and leases to core deposits | 86.1793% | 2,388 |
| Total domestic deposits to total assets | 87.7941% | 2,251 |
| Equity capital to assets | 10.6286% | 3,130 |
| Core capital (leverage) ratio | 10.0882% | 3,544 |
| Tier 1 risk-based capital ratio | 13.7539% | 4,596 |
| Total risk-based capital ratio | 15.0086% | 4,552 |
| Memoranda: | ||
| Average total assets | $483,290,000 | 1,379 |
| Average earning assets | $437,449,000 | 1,394 |
| Average equity | $53,699,000 | 1,332 |
| Average total loans | $333,439,500 | 1,280 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 2,875 |
| Cost of funding earning assets | 0.4315% | 4,643 |
| Net interest margin | 3.8864% | 2,253 |
| Noninterest income to average assets | 0.8995% | 1,813 |
| Noninterest expense to average assets | 3.4875% | 1,633 |
| Loan and lease loss provision to assets | 0.3252% | 1,067 |
| Net operating income to assets | 0.6182% | 4,204 |
| Return on assets (ROA) | 0.6292% | 4,317 |
| Pretax return on assets | 0.6162% | 4,964 |
| Return on Equity (ROE) | 5.5878% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.5878% | 2,681 |
| Net charge-offs to loans | 0.3945% | 1,636 |
| Credit loss provision to net charge-offs | 122.6994% | 1,825 |
| Earnings coverage of net charge-offs (x) | 3.5107% | 3,374 |
| Efficiency ratio | 76.8056% | 2,664 |
| Assets per employee ($millions) | 3.6151% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6939% | 2,798 |
| Loan loss allowance to noncurrent loans | 55.9973% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 4.1224% | 833 |
| Noncurrent loans to loans | 3.0249% | 1,473 |
| Net loans and leases to total assets | 69.8762% | 1,909 |
| Net loans and leases to deposits | 80.2893% | 2,283 |
| Net loans and leases to core deposits | 82.2661% | 2,774 |
| Total domestic deposits to total assets | 87.0305% | 2,801 |
| Equity capital to assets | 11.5532% | 2,249 |
| Core capital (leverage) ratio | 11.0418% | 2,315 |
| Tier 1 risk-based capital ratio | 15.8410% | 3,295 |
| Total risk-based capital ratio | 17.0968% | 3,239 |
| Memoranda: | ||
| Average total assets | $492,036,330 | 1,357 |
| Average earning assets | $445,454,000 | 1,374 |
| Average equity | $55,406,000 | 1,300 |
| Average total loans | $330,559,330 | 1,287 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 3,713 |
| Cost of funding earning assets | 0.4419% | 4,685 |
| Net interest margin | 3.6619% | 3,024 |
| Noninterest income to average assets | 1.0007% | 1,456 |
| Noninterest expense to average assets | 3.3566% | 1,939 |
| Loan and lease loss provision to assets | 0.4823% | 561 |
| Net operating income to assets | 0.6069% | 4,181 |
| Return on assets (ROA) | 0.6101% | 4,329 |
| Pretax return on assets | 0.4887% | 5,300 |
| Return on Equity (ROE) | 5.4866% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.4866% | 2,962 |
| Net charge-offs to loans | 0.5133% | 1,175 |
| Credit loss provision to net charge-offs | 143.8849% | 1,409 |
| Earnings coverage of net charge-offs (x) | 2.8873% | 2,908 |
| Efficiency ratio | 75.4647% | 3,014 |
| Assets per employee ($millions) | 3.6549% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7751% | 2,713 |
| Loan loss allowance to noncurrent loans | 39.5115% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 4.8345% | 762 |
| Noncurrent loans to loans | 4.4926% | 925 |
| Net loans and leases to total assets | 65.3153% | 2,492 |
| Net loans and leases to deposits | 74.8733% | 2,790 |
| Net loans and leases to core deposits | 76.9444% | 3,213 |
| Total domestic deposits to total assets | 87.2344% | 2,806 |
| Equity capital to assets | 11.2678% | 2,661 |
| Core capital (leverage) ratio | 10.6675% | 2,575 |
| Tier 1 risk-based capital ratio | 16.0086% | 3,265 |
| Total risk-based capital ratio | 17.2650% | 3,221 |
| Memoranda: | ||
| Average total assets | $497,648,500 | 1,355 |
| Average earning assets | $451,679,000 | 1,364 |
| Average equity | $55,334,500 | 1,318 |
| Average total loans | $324,958,000 | 1,312 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 4,241 |
| Cost of funding earning assets | 0.5582% | 4,743 |
| Net interest margin | 3.7291% | 3,524 |
| Noninterest income to average assets | 1.1038% | 1,272 |
| Noninterest expense to average assets | 3.5368% | 1,742 |
| Loan and lease loss provision to assets | 0.5667% | 999 |
| Net operating income to assets | 0.3382% | 5,335 |
| Return on assets (ROA) | 0.4121% | 5,308 |
| Pretax return on assets | 0.4596% | 5,400 |
| Return on Equity (ROE) | 3.8408% | 5,207 |
| Retained earnings to average equity (ytd only) | 1.1436% | 5,301 |
| Net charge-offs to loans | 1.1165% | 938 |
| Credit loss provision to net charge-offs | 80.2898% | 3,826 |
| Earnings coverage of net charge-offs (x) | 1.3379% | 4,792 |
| Efficiency ratio | 76.9343% | 2,602 |
| Assets per employee ($millions) | 3.7177% | 4,531 |
| Cash dividends to net income (ytd only)* | 70.2247% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7529% | 2,750 |
| Loan loss allowance to noncurrent loans | 40.4634% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 4.6118% | 884 |
| Noncurrent loans to loans | 4.3320% | 1,014 |
| Net loans and leases to total assets | 62.9980% | 3,057 |
| Net loans and leases to deposits | 71.9192% | 3,424 |
| Net loans and leases to core deposits | 73.9884% | 3,782 |
| Total domestic deposits to total assets | 87.5955% | 2,480 |
| Equity capital to assets | 10.9731% | 2,984 |
| Core capital (leverage) ratio | 10.2354% | 3,089 |
| Tier 1 risk-based capital ratio | 16.1492% | 3,079 |
| Total risk-based capital ratio | 17.4055% | 3,028 |
| Memoranda: | ||
| Average total assets | $518,288,400 | 1,288 |
| Average earning assets | $469,394,800 | 1,301 |
| Average equity | $55,612,800 | 1,283 |
| Average total loans | $327,639,400 | 1,285 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 4,422 |
| Cost of funding earning assets | 0.5878% | 4,767 |
| Net interest margin | 3.7210% | 3,699 |
| Noninterest income to average assets | 1.0952% | 1,254 |
| Noninterest expense to average assets | 3.4870% | 1,791 |
| Loan and lease loss provision to assets | 0.5250% | 1,143 |
| Net operating income to assets | 0.4277% | 5,126 |
| Return on assets (ROA) | 0.5092% | 5,072 |
| Pretax return on assets | 0.5375% | 5,352 |
| Return on Equity (ROE) | 4.7713% | 4,935 |
| Retained earnings to average equity (ytd only) | 4.7713% | 3,543 |
| Net charge-offs to loans | 0.9505% | 1,128 |
| Credit loss provision to net charge-offs | 87.6812% | 3,371 |
| Earnings coverage of net charge-offs (x) | 1.6313% | 4,466 |
| Efficiency ratio | 76.1336% | 2,656 |
| Assets per employee ($millions) | 3.7867% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8417% | 2,670 |
| Loan loss allowance to noncurrent loans | 36.6373% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 5.0036% | 895 |
| Noncurrent loans to loans | 5.0268% | 896 |
| Net loans and leases to total assets | 63.7897% | 3,058 |
| Net loans and leases to deposits | 73.1522% | 3,422 |
| Net loans and leases to core deposits | 75.4626% | 3,796 |
| Total domestic deposits to total assets | 87.2014% | 2,556 |
| Equity capital to assets | 11.1741% | 3,066 |
| Core capital (leverage) ratio | 10.3751% | 3,070 |
| Tier 1 risk-based capital ratio | 16.2332% | 3,142 |
| Total risk-based capital ratio | 17.4909% | 3,107 |
| Memoranda: | ||
| Average total assets | $522,389,500 | 1,294 |
| Average earning assets | $472,911,500 | 1,307 |
| Average equity | $55,748,000 | 1,283 |
| Average total loans | $329,094,750 | 1,293 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 4,682 |
| Cost of funding earning assets | 0.6344% | 4,585 |
| Net interest margin | 3.6369% | 4,096 |
| Noninterest income to average assets | 0.9117% | 1,742 |
| Noninterest expense to average assets | 3.3289% | 2,223 |
| Loan and lease loss provision to assets | 0.5525% | 1,111 |
| Net operating income to assets | 0.2951% | 5,635 |
| Return on assets (ROA) | 0.3178% | 5,760 |
| Pretax return on assets | 0.3417% | 5,853 |
| Return on Equity (ROE) | 3.0236% | 5,687 |
| Retained earnings to average equity (ytd only) | 3.0236% | 4,630 |
| Net charge-offs to loans | 1.0867% | 1,003 |
| Credit loss provision to net charge-offs | 81.5333% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.2837% | 4,363 |
| Efficiency ratio | 77.1857% | 2,566 |
| Assets per employee ($millions) | 3.9335% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8302% | 2,758 |
| Loan loss allowance to noncurrent loans | 33.1520% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 5.1602% | 908 |
| Noncurrent loans to loans | 5.5205% | 842 |
| Net loans and leases to total assets | 60.9306% | 3,636 |
| Net loans and leases to deposits | 69.3439% | 3,988 |
| Net loans and leases to core deposits | 71.4124% | 4,367 |
| Total domestic deposits to total assets | 87.8673% | 2,233 |
| Equity capital to assets | 10.4972% | 3,694 |
| Core capital (leverage) ratio | 9.7970% | 3,722 |
| Tier 1 risk-based capital ratio | 15.6846% | 3,341 |
| Total risk-based capital ratio | 16.9418% | 3,300 |
| Memoranda: | ||
| Average total assets | $527,381,330 | 1,285 |
| Average earning assets | $476,674,000 | 1,300 |
| Average equity | $55,431,000 | 1,283 |
| Average total loans | $328,876,000 | 1,291 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 4,462 |
| Cost of funding earning assets | 0.6614% | 4,626 |
| Net interest margin | 3.7014% | 3,823 |
| Noninterest income to average assets | 0.9179% | 1,675 |
| Noninterest expense to average assets | 3.1821% | 2,663 |
| Loan and lease loss provision to assets | 0.6500% | 842 |
| Net operating income to assets | 0.3996% | 5,259 |
| Return on assets (ROA) | 0.4011% | 5,437 |
| Pretax return on assets | 0.4308% | 5,640 |
| Return on Equity (ROE) | 3.8137% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.8137% | 4,298 |
| Net charge-offs to loans | 0.9108% | 1,127 |
| Credit loss provision to net charge-offs | 114.1711% | 2,073 |
| Earnings coverage of net charge-offs (x) | 1.8957% | 3,388 |
| Efficiency ratio | 72.6023% | 3,327 |
| Assets per employee ($millions) | 3.8376% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0241% | 2,287 |
| Loan loss allowance to noncurrent loans | 33.4108% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 5.3445% | 944 |
| Noncurrent loans to loans | 6.0582% | 830 |
| Net loans and leases to total assets | 59.5486% | 3,764 |
| Net loans and leases to deposits | 67.9513% | 4,070 |
| Net loans and leases to core deposits | 70.0721% | 4,410 |
| Total domestic deposits to total assets | 87.6344% | 2,570 |
| Equity capital to assets | 10.5359% | 3,447 |
| Core capital (leverage) ratio | 9.8722% | 3,537 |
| Tier 1 risk-based capital ratio | 16.0219% | 3,167 |
| Total risk-based capital ratio | 17.2816% | 3,125 |
| Memoranda: | ||
| Average total assets | $525,558,500 | 1,288 |
| Average earning assets | $474,735,500 | 1,313 |
| Average equity | $55,275,000 | 1,285 |
| Average total loans | $328,519,000 | 1,290 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2126% | 50 |
| Cost of funding earning assets | 1.5057% | 696 |
| Net interest margin | 6.7069% | 60 |
| Noninterest income to average assets | 1.3077% | 754 |
| Noninterest expense to average assets | 5.9298% | 217 |
| Loan and lease loss provision to assets | 1.9335% | 322 |
| Net operating income to assets | -0.4817% | 6,476 |
| Return on assets (ROA) | -0.3688% | 6,445 |
| Pretax return on assets | -0.3714% | 6,405 |
| Return on Equity (ROE) | -3.4558% | 6,437 |
| Retained earnings to average equity (ytd only) | -7.3408% | 6,594 |
| Net charge-offs to loans | 5.6162% | 60 |
| Credit loss provision to net charge-offs | 57.2949% | 5,237 |
| Earnings coverage of net charge-offs (x) | 0.4291% | 5,497 |
| Efficiency ratio | 78.3044% | 2,552 |
| Assets per employee ($millions) | 3.8348% | 4,240 |
| Cash dividends to net income (ytd only)* | -112.4218% | 7,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 2,617 |
| Loan loss allowance to noncurrent loans | 34.2209% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 5.3673% | 964 |
| Noncurrent loans to loans | 5.5086% | 956 |
| Net loans and leases to total assets | 63.0285% | 3,396 |
| Net loans and leases to deposits | 71.9518% | 3,803 |
| Net loans and leases to core deposits | 74.6307% | 4,157 |
| Total domestic deposits to total assets | 87.5983% | 2,408 |
| Equity capital to assets | 10.4989% | 3,537 |
| Core capital (leverage) ratio | 9.6162% | 3,837 |
| Tier 1 risk-based capital ratio | 15.2496% | 3,484 |
| Total risk-based capital ratio | 16.5108% | 3,434 |
| Memoranda: | ||
| Average total assets | $303,435,400 | 2,115 |
| Average earning assets | $274,626,400 | 2,136 |
| Average equity | $32,380,600 | 2,058 |
| Average total loans | $182,330,000 | 2,208 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7680% | 4,154 |
| Cost of funding earning assets | 1.0470% | 3,336 |
| Net interest margin | 3.7209% | 4,246 |
| Noninterest income to average assets | 1.4169% | 653 |
| Noninterest expense to average assets | 3.3936% | 2,203 |
| Loan and lease loss provision to assets | 0.3834% | 2,559 |
| Net operating income to assets | 0.9354% | 2,590 |
| Return on assets (ROA) | 1.1050% | 2,091 |
| Pretax return on assets | 1.1991% | 2,636 |
| Return on Equity (ROE) | 10.2671% | 2,111 |
| Retained earnings to average equity (ytd only) | 6.7748% | 2,097 |
| Net charge-offs to loans | 1.0115% | 1,591 |
| Credit loss provision to net charge-offs | 65.4729% | 4,620 |
| Earnings coverage of net charge-offs (x) | 2.3875% | 3,931 |
| Efficiency ratio | 70.8226% | 3,782 |
| Assets per employee ($millions) | 3.4521% | 5,115 |
| Cash dividends to net income (ytd only)* | 34.0147% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,777 |
| Loan loss allowance to noncurrent loans | 59.2102% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 2.5778% | 2,501 |
| Noncurrent loans to loans | 2.6597% | 2,617 |
| Net loans and leases to total assets | 57.3068% | 4,624 |
| Net loans and leases to deposits | 67.2822% | 4,726 |
| Net loans and leases to core deposits | 71.2065% | 4,817 |
| Total domestic deposits to total assets | 85.1739% | 3,692 |
| Equity capital to assets | 11.0462% | 3,096 |
| Core capital (leverage) ratio | 10.1508% | 3,245 |
| Tier 1 risk-based capital ratio | 16.6244% | 2,798 |
| Total risk-based capital ratio | 17.8776% | 2,760 |
| Memoranda: | ||
| Average total assets | $247,953,750 | 2,557 |
| Average earning assets | $224,884,000 | 2,568 |
| Average equity | $26,686,500 | 2,425 |
| Average total loans | $143,540,000 | 2,756 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 3,786 |
| Cost of funding earning assets | 1.0602% | 3,540 |
| Net interest margin | 3.8043% | 3,759 |
| Noninterest income to average assets | 1.2666% | 783 |
| Noninterest expense to average assets | 3.4017% | 2,251 |
| Loan and lease loss provision to assets | 0.2486% | 3,424 |
| Net operating income to assets | 1.0405% | 2,062 |
| Return on assets (ROA) | 1.0422% | 2,158 |
| Pretax return on assets | 1.0793% | 2,934 |
| Return on Equity (ROE) | 9.7691% | 2,202 |
| Retained earnings to average equity (ytd only) | 8.6340% | 1,221 |
| Net charge-offs to loans | 1.4069% | 1,078 |
| Credit loss provision to net charge-offs | 30.5859% | 4,976 |
| Earnings coverage of net charge-offs (x) | 1.6316% | 4,070 |
| Efficiency ratio | 71.9481% | 3,742 |
| Assets per employee ($millions) | 3.6923% | 4,467 |
| Cash dividends to net income (ytd only)* | 11.6189% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 4,636 |
| Loan loss allowance to noncurrent loans | 47.1894% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 2.6617% | 2,508 |
| Noncurrent loans to loans | 2.9392% | 2,475 |
| Net loans and leases to total assets | 55.3896% | 5,085 |
| Net loans and leases to deposits | 64.5269% | 5,206 |
| Net loans and leases to core deposits | 67.8345% | 5,308 |
| Total domestic deposits to total assets | 85.8395% | 3,414 |
| Equity capital to assets | 10.8010% | 3,174 |
| Core capital (leverage) ratio | 9.8396% | 3,467 |
| Tier 1 risk-based capital ratio | 16.6258% | 2,684 |
| Total risk-based capital ratio | 17.8765% | 2,639 |
| Memoranda: | ||
| Average total assets | $247,755,670 | 2,574 |
| Average earning assets | $225,430,330 | 2,580 |
| Average equity | $26,430,330 | 2,431 |
| Average total loans | $143,148,670 | 2,792 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 3,911 |
| Cost of funding earning assets | 1.0393% | 3,921 |
| Net interest margin | 3.7914% | 3,656 |
| Noninterest income to average assets | 1.4060% | 654 |
| Noninterest expense to average assets | 3.3629% | 2,375 |
| Loan and lease loss provision to assets | 0.4128% | 2,128 |
| Net operating income to assets | 1.0988% | 1,848 |
| Return on assets (ROA) | 1.1004% | 1,890 |
| Pretax return on assets | 1.1004% | 2,755 |
| Return on Equity (ROE) | 10.3810% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.3810% | 1,029 |
| Net charge-offs to loans | 1.5699% | 865 |
| Credit loss provision to net charge-offs | 44.8763% | 3,852 |
| Earnings coverage of net charge-offs (x) | 1.6431% | 3,491 |
| Efficiency ratio | 68.9897% | 4,478 |
| Assets per employee ($millions) | 3.9018% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 3,595 |
| Loan loss allowance to noncurrent loans | 37.5120% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 2.6836% | 2,560 |
| Noncurrent loans to loans | 4.3489% | 1,625 |
| Net loans and leases to total assets | 55.7057% | 5,046 |
| Net loans and leases to deposits | 64.3671% | 5,207 |
| Net loans and leases to core deposits | 67.5225% | 5,352 |
| Total domestic deposits to total assets | 86.5438% | 3,209 |
| Equity capital to assets | 10.5100% | 3,166 |
| Core capital (leverage) ratio | 9.9348% | 3,220 |
| Tier 1 risk-based capital ratio | 16.3012% | 2,760 |
| Total risk-based capital ratio | 17.5549% | 2,720 |
| Memoranda: | ||
| Average total assets | $246,094,500 | 2,598 |
| Average earning assets | $225,142,000 | 2,597 |
| Average equity | $26,086,000 | 2,445 |
| Average total loans | $144,209,500 | 2,802 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 3,254 |
| Cost of funding earning assets | 1.2736% | 4,062 |
| Net interest margin | 3.9988% | 3,024 |
| Noninterest income to average assets | 1.2346% | 992 |
| Noninterest expense to average assets | 3.2133% | 3,040 |
| Loan and lease loss provision to assets | 0.7956% | 2,050 |
| Net operating income to assets | 0.9181% | 2,323 |
| Return on assets (ROA) | 1.0847% | 1,837 |
| Pretax return on assets | 1.0610% | 2,730 |
| Return on Equity (ROE) | 9.9621% | 1,942 |
| Retained earnings to average equity (ytd only) | 4.8132% | 2,537 |
| Net charge-offs to loans | 0.4149% | 3,963 |
| Credit loss provision to net charge-offs | 317.2185% | 823 |
| Earnings coverage of net charge-offs (x) | 6.7384% | 2,293 |
| Efficiency ratio | 65.5318% | 5,059 |
| Assets per employee ($millions) | 3.4576% | 5,034 |
| Cash dividends to net income (ytd only)* | 51.6845% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 2,744 |
| Loan loss allowance to noncurrent loans | 32.9241% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 3.6182% | 1,900 |
| Noncurrent loans to loans | 5.5691% | 1,175 |
| Net loans and leases to total assets | 59.5803% | 4,749 |
| Net loans and leases to deposits | 69.0423% | 4,956 |
| Net loans and leases to core deposits | 73.7470% | 5,006 |
| Total domestic deposits to total assets | 86.2952% | 3,204 |
| Equity capital to assets | 10.6956% | 2,959 |
| Core capital (leverage) ratio | 9.9252% | 3,168 |
| Tier 1 risk-based capital ratio | 15.7926% | 2,845 |
| Total risk-based capital ratio | 17.0494% | 2,808 |
| Memoranda: | ||
| Average total assets | $240,814,800 | 2,627 |
| Average earning assets | $220,940,200 | 2,622 |
| Average equity | $26,219,400 | 2,436 |
| Average total loans | $145,574,800 | 2,847 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2917% | 3,390 |
| Cost of funding earning assets | 1.3280% | 4,047 |
| Net interest margin | 3.9637% | 3,271 |
| Noninterest income to average assets | 1.1407% | 1,077 |
| Noninterest expense to average assets | 3.0596% | 3,537 |
| Loan and lease loss provision to assets | 0.8904% | 1,708 |
| Net operating income to assets | 0.8827% | 2,685 |
| Return on assets (ROA) | 1.1042% | 1,980 |
| Pretax return on assets | 1.0523% | 2,989 |
| Return on Equity (ROE) | 10.0976% | 2,089 |
| Retained earnings to average equity (ytd only) | 8.9358% | 1,074 |
| Net charge-offs to loans | 0.1088% | 5,446 |
| Credit loss provision to net charge-offs | 1,354.6218% | 224 |
| Earnings coverage of net charge-offs (x) | 26.1853% | 967 |
| Efficiency ratio | 63.9977% | 5,235 |
| Assets per employee ($millions) | 3.7783% | 4,324 |
| Cash dividends to net income (ytd only)* | 11.5058% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9467% | 2,359 |
| Loan loss allowance to noncurrent loans | 33.9844% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 3.7403% | 1,900 |
| Noncurrent loans to loans | 5.7283% | 1,133 |
| Net loans and leases to total assets | 60.0100% | 4,914 |
| Net loans and leases to deposits | 71.2725% | 4,953 |
| Net loans and leases to core deposits | 76.9330% | 4,932 |
| Total domestic deposits to total assets | 84.1979% | 4,009 |
| Equity capital to assets | 11.5783% | 2,472 |
| Core capital (leverage) ratio | 10.3926% | 2,812 |
| Tier 1 risk-based capital ratio | 15.9999% | 2,766 |
| Total risk-based capital ratio | 17.2575% | 2,709 |
| Memoranda: | ||
| Average total assets | $241,375,000 | 2,665 |
| Average earning assets | $221,674,250 | 2,649 |
| Average equity | $26,395,000 | 2,465 |
| Average total loans | $145,769,000 | 2,880 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3053% | 3,447 |
| Cost of funding earning assets | 1.2880% | 4,609 |
| Net interest margin | 4.0172% | 2,934 |
| Noninterest income to average assets | 1.1332% | 1,019 |
| Noninterest expense to average assets | 3.1408% | 3,137 |
| Loan and lease loss provision to assets | 0.7407% | 1,956 |
| Net operating income to assets | 1.0104% | 2,155 |
| Return on assets (ROA) | 1.0417% | 2,115 |
| Pretax return on assets | 0.9848% | 3,175 |
| Return on Equity (ROE) | 9.7129% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.7129% | 911 |
| Net charge-offs to loans | 0.0357% | 5,854 |
| Credit loss provision to net charge-offs | 3,453.8462% | 115 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 403 |
| Efficiency ratio | 64.9608% | 5,156 |
| Assets per employee ($millions) | 3.7935% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,771 |
| Loan loss allowance to noncurrent loans | 38.9143% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 2.5743% | 2,817 |
| Noncurrent loans to loans | 3.9317% | 1,939 |
| Net loans and leases to total assets | 58.7179% | 5,298 |
| Net loans and leases to deposits | 70.3057% | 5,229 |
| Net loans and leases to core deposits | 77.3924% | 5,040 |
| Total domestic deposits to total assets | 83.5181% | 4,328 |
| Equity capital to assets | 11.0070% | 2,852 |
| Core capital (leverage) ratio | 10.0567% | 3,108 |
| Tier 1 risk-based capital ratio | 15.5698% | 2,859 |
| Total risk-based capital ratio | 16.8226% | 2,829 |
| Memoranda: | ||
| Average total assets | $242,489,330 | 2,682 |
| Average earning assets | $223,439,000 | 2,644 |
| Average equity | $26,006,670 | 2,489 |
| Average total loans | $145,799,000 | 2,905 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3831% | 3,121 |
| Cost of funding earning assets | 1.3211% | 4,681 |
| Net interest margin | 4.0620% | 2,603 |
| Noninterest income to average assets | 1.1966% | 852 |
| Noninterest expense to average assets | 3.1443% | 3,085 |
| Loan and lease loss provision to assets | 0.9788% | 1,272 |
| Net operating income to assets | 0.9557% | 2,342 |
| Return on assets (ROA) | 1.0200% | 2,173 |
| Pretax return on assets | 0.8781% | 3,547 |
| Return on Equity (ROE) | 9.6380% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.6380% | 1,227 |
| Net charge-offs to loans | -0.0055% | 6,821 |
| Credit loss provision to net charge-offs | -29,650.0000% | 6,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6911% | 5,550 |
| Assets per employee ($millions) | 3.6177% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 4,742 |
| Loan loss allowance to noncurrent loans | 38.2022% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 2.3583% | 3,077 |
| Noncurrent loans to loans | 3.5049% | 2,274 |
| Net loans and leases to total assets | 59.8079% | 5,149 |
| Net loans and leases to deposits | 71.5727% | 5,113 |
| Net loans and leases to core deposits | 79.2400% | 4,857 |
| Total domestic deposits to total assets | 83.5625% | 4,356 |
| Equity capital to assets | 10.9029% | 2,844 |
| Core capital (leverage) ratio | 9.6573% | 3,570 |
| Tier 1 risk-based capital ratio | 14.9309% | 3,138 |
| Total risk-based capital ratio | 16.1767% | 3,103 |
| Memoranda: | ||
| Average total assets | $242,343,500 | 2,739 |
| Average earning assets | $223,143,000 | 2,695 |
| Average equity | $25,648,500 | 2,551 |
| Average total loans | $146,313,000 | 2,960 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6042% | 3,582 |
| Cost of funding earning assets | 1.7484% | 4,259 |
| Net interest margin | 3.8558% | 3,457 |
| Noninterest income to average assets | 1.1393% | 1,190 |
| Noninterest expense to average assets | 3.1672% | 3,486 |
| Loan and lease loss provision to assets | 0.4563% | 4,089 |
| Net operating income to assets | 1.0494% | 1,669 |
| Return on assets (ROA) | 1.1283% | 1,475 |
| Pretax return on assets | 1.1584% | 2,071 |
| Return on Equity (ROE) | 10.4433% | 1,567 |
| Retained earnings to average equity (ytd only) | -7.7394% | 6,318 |
| Net charge-offs to loans | 0.9114% | 2,568 |
| Credit loss provision to net charge-offs | 81.3179% | 6,256 |
| Earnings coverage of net charge-offs (x) | 2.7335% | 3,733 |
| Efficiency ratio | 67.3725% | 5,116 |
| Assets per employee ($millions) | 3.9664% | 3,886 |
| Cash dividends to net income (ytd only)* | 174.1088% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 6,775 |
| Loan loss allowance to noncurrent loans | 65.0847% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 4,428 |
| Noncurrent loans to loans | 1.3964% | 4,588 |
| Net loans and leases to total assets | 59.5895% | 5,403 |
| Net loans and leases to deposits | 70.7127% | 5,509 |
| Net loans and leases to core deposits | 85.8581% | 5,531 |
| Total domestic deposits to total assets | 84.2698% | 3,909 |
| Equity capital to assets | 10.2734% | 3,434 |
| Core capital (leverage) ratio | 9.2293% | 4,077 |
| Tier 1 risk-based capital ratio | 13.9252% | 3,553 |
| Total risk-based capital ratio | 14.7524% | 3,765 |
| Memoranda: | ||
| Average total assets | $246,117,600 | 2,648 |
| Average earning assets | $227,345,800 | 2,624 |
| Average equity | $26,591,200 | 2,483 |
| Average total loans | $151,517,800 | 2,896 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6112% | 3,800 |
| Cost of funding earning assets | 1.8520% | 4,138 |
| Net interest margin | 3.7592% | 3,820 |
| Noninterest income to average assets | 1.1997% | 1,070 |
| Noninterest expense to average assets | 3.1853% | 3,348 |
| Loan and lease loss provision to assets | 0.4290% | 3,757 |
| Net operating income to assets | 1.0621% | 1,854 |
| Return on assets (ROA) | 1.1531% | 1,646 |
| Pretax return on assets | 1.1504% | 2,413 |
| Return on Equity (ROE) | 10.5434% | 1,750 |
| Retained earnings to average equity (ytd only) | 3.9321% | 3,082 |
| Net charge-offs to loans | 0.3411% | 3,931 |
| Credit loss provision to net charge-offs | 203.0769% | 2,195 |
| Earnings coverage of net charge-offs (x) | 7.0461% | 2,485 |
| Efficiency ratio | 68.1539% | 4,937 |
| Assets per employee ($millions) | 3.8559% | 4,061 |
| Cash dividends to net income (ytd only)* | 62.7056% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 4,291 |
| Loan loss allowance to noncurrent loans | 60.8194% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.9084% | 3,485 |
| Noncurrent loans to loans | 2.1933% | 3,385 |
| Net loans and leases to total assets | 61.0172% | 5,421 |
| Net loans and leases to deposits | 73.8118% | 5,386 |
| Net loans and leases to core deposits | 88.6353% | 5,578 |
| Total domestic deposits to total assets | 82.6659% | 4,375 |
| Equity capital to assets | 11.6413% | 2,474 |
| Core capital (leverage) ratio | 10.2357% | 3,034 |
| Tier 1 risk-based capital ratio | 15.5121% | 2,822 |
| Total risk-based capital ratio | 16.7328% | 2,774 |
| Memoranda: | ||
| Average total assets | $246,168,000 | 2,662 |
| Average earning assets | $227,492,000 | 2,632 |
| Average equity | $26,923,000 | 2,476 |
| Average total loans | $152,426,250 | 2,907 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6539% | 3,797 |
| Cost of funding earning assets | 1.9818% | 3,864 |
| Net interest margin | 3.6722% | 4,078 |
| Noninterest income to average assets | 1.2910% | 918 |
| Noninterest expense to average assets | 3.2267% | 3,247 |
| Loan and lease loss provision to assets | 0.3122% | 4,075 |
| Net operating income to assets | 1.1575% | 1,590 |
| Return on assets (ROA) | 1.1810% | 1,616 |
| Pretax return on assets | 1.1705% | 2,392 |
| Return on Equity (ROE) | 11.0309% | 1,691 |
| Retained earnings to average equity (ytd only) | 4.2537% | 2,938 |
| Net charge-offs to loans | 0.2847% | 3,767 |
| Credit loss provision to net charge-offs | 177.0642% | 2,589 |
| Earnings coverage of net charge-offs (x) | 8.2752% | 2,289 |
| Efficiency ratio | 68.8590% | 5,002 |
| Assets per employee ($millions) | 3.8718% | 3,941 |
| Cash dividends to net income (ytd only)* | 61.4384% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,108 |
| Loan loss allowance to noncurrent loans | 64.5173% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.3955% | 4,170 |
| Noncurrent loans to loans | 1.8219% | 3,781 |
| Net loans and leases to total assets | 59.1650% | 5,813 |
| Net loans and leases to deposits | 71.6340% | 5,792 |
| Net loans and leases to core deposits | 88.2782% | 5,697 |
| Total domestic deposits to total assets | 82.5935% | 4,428 |
| Equity capital to assets | 10.7079% | 3,197 |
| Core capital (leverage) ratio | 10.1093% | 3,179 |
| Tier 1 risk-based capital ratio | 15.4341% | 2,841 |
| Total risk-based capital ratio | 16.5006% | 2,837 |
| Memoranda: | ||
| Average total assets | $247,250,670 | 2,663 |
| Average earning assets | $228,583,670 | 2,646 |
| Average equity | $26,471,000 | 2,519 |
| Average total loans | $153,159,330 | 2,925 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6018% | 4,343 |
| Cost of funding earning assets | 2.1460% | 3,433 |
| Net interest margin | 3.4558% | 4,912 |
| Noninterest income to average assets | 1.3859% | 736 |
| Noninterest expense to average assets | 3.0819% | 3,440 |
| Loan and lease loss provision to assets | 0.1306% | 5,286 |
| Net operating income to assets | 1.3973% | 1,144 |
| Return on assets (ROA) | 1.3891% | 1,255 |
| Pretax return on assets | 1.3565% | 2,098 |
| Return on Equity (ROE) | 12.9763% | 1,395 |
| Retained earnings to average equity (ytd only) | 6.1298% | 2,573 |
| Net charge-offs to loans | 0.1088% | 4,104 |
| Credit loss provision to net charge-offs | 190.4762% | 2,306 |
| Earnings coverage of net charge-offs (x) | 21.8095% | 1,326 |
| Efficiency ratio | 67.3324% | 5,075 |
| Assets per employee ($millions) | 3.9093% | 3,852 |
| Cash dividends to net income (ytd only)* | 52.7615% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 5,776 |
| Loan loss allowance to noncurrent loans | 56.5127% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 1.4097% | 3,829 |
| Noncurrent loans to loans | 1.8690% | 3,463 |
| Net loans and leases to total assets | 60.4612% | 5,579 |
| Net loans and leases to deposits | 72.5279% | 5,677 |
| Net loans and leases to core deposits | 89.3485% | 5,617 |
| Total domestic deposits to total assets | 83.3626% | 3,968 |
| Equity capital to assets | 10.5387% | 3,426 |
| Core capital (leverage) ratio | 10.3435% | 3,074 |
| Tier 1 risk-based capital ratio | 14.9567% | 3,087 |
| Total risk-based capital ratio | 15.9189% | 3,149 |
| Memoranda: | ||
| Average total assets | $245,044,000 | 2,708 |
| Average earning assets | $226,284,000 | 2,691 |
| Average equity | $26,232,500 | 2,553 |
| Average total loans | $154,405,000 | 2,935 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1394% | 4,836 |
| Cost of funding earning assets | 2.3643% | 4,878 |
| Net interest margin | 3.7752% | 4,121 |
| Noninterest income to average assets | 1.4340% | 697 |
| Noninterest expense to average assets | 3.1587% | 3,486 |
| Loan and lease loss provision to assets | 0.3661% | 3,489 |
| Net operating income to assets | 1.5502% | 927 |
| Return on assets (ROA) | 1.5415% | 908 |
| Pretax return on assets | 1.3607% | 2,086 |
| Return on Equity (ROE) | 14.2037% | 1,065 |
| Retained earnings to average equity (ytd only) | 3.0664% | 3,254 |
| Net charge-offs to loans | 0.4665% | 2,498 |
| Credit loss provision to net charge-offs | 119.7548% | 4,492 |
| Earnings coverage of net charge-offs (x) | 5.6771% | 3,565 |
| Efficiency ratio | 64.5392% | 5,442 |
| Assets per employee ($millions) | 3.4201% | 4,883 |
| Cash dividends to net income (ytd only)* | 78.4112% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 5,680 |
| Loan loss allowance to noncurrent loans | 73.5875% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.2480% | 3,730 |
| Noncurrent loans to loans | 1.4179% | 3,680 |
| Net loans and leases to total assets | 64.3831% | 5,194 |
| Net loans and leases to deposits | 78.1929% | 5,313 |
| Net loans and leases to core deposits | 98.4469% | 4,995 |
| Total domestic deposits to total assets | 82.3388% | 4,066 |
| Equity capital to assets | 10.8845% | 3,134 |
| Core capital (leverage) ratio | 10.7470% | 2,780 |
| Tier 1 risk-based capital ratio | 15.0298% | 3,031 |
| Total risk-based capital ratio | 15.9892% | 3,104 |
| Memoranda: | ||
| Average total assets | $240,096,000 | 2,655 |
| Average earning assets | $220,069,400 | 2,658 |
| Average equity | $26,056,600 | 2,556 |
| Average total loans | $157,338,600 | 2,816 |