Home > Amfirst Bank > Performance and Condition Ratios
Amfirst Bank, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 1,378 |
| Cost of funding earning assets | 0.6752% | 1,021 |
| Net interest margin | 3.8795% | 2,006 |
| Noninterest income to average assets | 0.3346% | 4,152 |
| Noninterest expense to average assets | 3.5319% | 963 |
| Loan and lease loss provision to assets | 0.1700% | 1,151 |
| Net operating income to assets | 0.1783% | 5,426 |
| Return on assets (ROA) | 0.1783% | 5,432 |
| Pretax return on assets | 0.1859% | 5,439 |
| Return on Equity (ROE) | 1.8598% | 5,359 |
| Retained earnings to average equity (ytd only) | -6.4498% | 5,577 |
| Net charge-offs to loans | 0.0914% | 1,696 |
| Credit loss provision to net charge-offs | 254.5455% | 1,062 |
| Earnings coverage of net charge-offs (x) | 5.3295% | 2,833 |
| Efficiency ratio | 90.8470% | 413 |
| Assets per employee ($millions) | 4.6625% | 2,844 |
| Cash dividends to net income (ytd only)* | 446.8085% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 1,388 |
| Loan loss allowance to noncurrent loans | 496.8333% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 2,554 |
| Noncurrent loans to loans | 0.3125% | 3,920 |
| Net loans and leases to total assets | 71.1223% | 2,350 |
| Net loans and leases to deposits | 84.8907% | 2,365 |
| Net loans and leases to core deposits | 91.0118% | 2,427 |
| Total domestic deposits to total assets | 83.7810% | 3,294 |
| Equity capital to assets | 9.1040% | 4,800 |
| Core capital (leverage) ratio | 8.8646% | 4,882 |
| Tier 1 risk-based capital ratio | 11.1561% | 5,173 |
| Total risk-based capital ratio | 12.4082% | 5,057 |
| Memoranda: | ||
| Average total assets | $263,597,670 | 2,416 |
| Average earning assets | $241,420,330 | 2,435 |
| Average equity | $25,272,000 | 2,684 |
| Average total loans | $192,462,670 | 2,237 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 1,339 |
| Cost of funding earning assets | 0.6878% | 887 |
| Net interest margin | 3.8268% | 2,026 |
| Noninterest income to average assets | 0.3108% | 4,330 |
| Noninterest expense to average assets | 2.8326% | 2,679 |
| Loan and lease loss provision to assets | -0.0015% | 5,632 |
| Net operating income to assets | 0.9691% | 2,441 |
| Return on assets (ROA) | 0.9691% | 2,491 |
| Pretax return on assets | 0.9813% | 3,445 |
| Return on Equity (ROE) | 9.8565% | 2,027 |
| Retained earnings to average equity (ytd only) | 5.9821% | 2,347 |
| Net charge-offs to loans | 0.0270% | 2,216 |
| Credit loss provision to net charge-offs | -7.6923% | 3,789 |
| Earnings coverage of net charge-offs (x) | 49.4615% | 903 |
| Efficiency ratio | 74.3006% | 2,182 |
| Assets per employee ($millions) | 4.7271% | 2,800 |
| Cash dividends to net income (ytd only)* | 39.3082% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 1,716 |
| Loan loss allowance to noncurrent loans | 212.8571% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 1.0604% | 1,697 |
| Noncurrent loans to loans | 0.7019% | 2,739 |
| Net loans and leases to total assets | 70.5057% | 2,292 |
| Net loans and leases to deposits | 84.7822% | 2,184 |
| Net loans and leases to core deposits | 90.6302% | 2,301 |
| Total domestic deposits to total assets | 83.1610% | 3,779 |
| Equity capital to assets | 9.8671% | 3,911 |
| Core capital (leverage) ratio | 9.9111% | 3,613 |
| Tier 1 risk-based capital ratio | 12.2411% | 4,550 |
| Total risk-based capital ratio | 13.4923% | 4,453 |
| Memoranda: | ||
| Average total assets | $262,515,500 | 2,447 |
| Average earning assets | $240,199,500 | 2,467 |
| Average equity | $25,810,500 | 2,660 |
| Average total loans | $192,695,500 | 2,244 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7179% | 1,033 |
| Cost of funding earning assets | 0.5822% | 1,474 |
| Net interest margin | 4.1357% | 1,285 |
| Noninterest income to average assets | 0.3427% | 4,287 |
| Noninterest expense to average assets | 3.0348% | 2,238 |
| Loan and lease loss provision to assets | 0.1555% | 1,603 |
| Net operating income to assets | 0.8952% | 2,854 |
| Return on assets (ROA) | 0.8952% | 2,972 |
| Pretax return on assets | 0.9190% | 3,776 |
| Return on Equity (ROE) | 8.8601% | 2,489 |
| Retained earnings to average equity (ytd only) | 2.4790% | 4,102 |
| Net charge-offs to loans | 0.2863% | 961 |
| Credit loss provision to net charge-offs | 71.9711% | 3,100 |
| Earnings coverage of net charge-offs (x) | 4.9729% | 3,414 |
| Efficiency ratio | 73.8519% | 2,308 |
| Assets per employee ($millions) | 4.6484% | 2,880 |
| Cash dividends to net income (ytd only)* | 72.0210% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 1,864 |
| Loan loss allowance to noncurrent loans | 822.2543% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 2,621 |
| Noncurrent loans to loans | 0.1766% | 4,529 |
| Net loans and leases to total assets | 74.1698% | 1,825 |
| Net loans and leases to deposits | 89.2831% | 1,767 |
| Net loans and leases to core deposits | 95.3103% | 1,979 |
| Total domestic deposits to total assets | 83.0726% | 3,745 |
| Equity capital to assets | 9.7963% | 3,947 |
| Core capital (leverage) ratio | 9.9446% | 3,560 |
| Tier 1 risk-based capital ratio | 11.5745% | 5,004 |
| Total risk-based capital ratio | 12.8255% | 4,911 |
| Memoranda: | ||
| Average total assets | $255,934,200 | 2,461 |
| Average earning assets | $233,091,200 | 2,489 |
| Average equity | $25,857,600 | 2,645 |
| Average total loans | $193,134,000 | 2,171 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 1,028 |
| Cost of funding earning assets | 0.5857% | 1,446 |
| Net interest margin | 4.1367% | 1,284 |
| Noninterest income to average assets | 0.3286% | 4,432 |
| Noninterest expense to average assets | 3.1041% | 2,018 |
| Loan and lease loss provision to assets | 0.1852% | 1,181 |
| Net operating income to assets | 0.7921% | 3,405 |
| Return on assets (ROA) | 0.7921% | 3,546 |
| Pretax return on assets | 0.8083% | 4,285 |
| Return on Equity (ROE) | 7.7799% | 3,129 |
| Retained earnings to average equity (ytd only) | 1.6135% | 4,864 |
| Net charge-offs to loans | 0.3471% | 659 |
| Credit loss provision to net charge-offs | 70.6587% | 2,782 |
| Earnings coverage of net charge-offs (x) | 3.7904% | 3,359 |
| Efficiency ratio | 75.7533% | 2,013 |
| Assets per employee ($millions) | 4.4015% | 3,250 |
| Cash dividends to net income (ytd only)* | 79.2601% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 2,019 |
| Loan loss allowance to noncurrent loans | 649.8861% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 2,682 |
| Noncurrent loans to loans | 0.2216% | 4,477 |
| Net loans and leases to total assets | 76.4793% | 1,444 |
| Net loans and leases to deposits | 91.7745% | 1,527 |
| Net loans and leases to core deposits | 98.3245% | 1,781 |
| Total domestic deposits to total assets | 83.3340% | 3,471 |
| Equity capital to assets | 10.3006% | 3,804 |
| Core capital (leverage) ratio | 9.9828% | 3,597 |
| Tier 1 risk-based capital ratio | 11.4918% | 5,091 |
| Total risk-based capital ratio | 12.7426% | 5,002 |
| Memoranda: | ||
| Average total assets | $254,839,750 | 2,475 |
| Average earning assets | $232,189,750 | 2,506 |
| Average equity | $25,946,750 | 2,665 |
| Average total loans | $192,438,000 | 2,181 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 1,089 |
| Cost of funding earning assets | 0.5888% | 1,410 |
| Net interest margin | 4.0940% | 1,382 |
| Noninterest income to average assets | 0.3204% | 4,489 |
| Noninterest expense to average assets | 3.1254% | 1,994 |
| Loan and lease loss provision to assets | 0.1885% | 1,154 |
| Net operating income to assets | 0.7185% | 3,704 |
| Return on assets (ROA) | 0.7185% | 3,862 |
| Pretax return on assets | 0.7358% | 4,509 |
| Return on Equity (ROE) | 7.0847% | 3,493 |
| Retained earnings to average equity (ytd only) | 0.8904% | 5,035 |
| Net charge-offs to loans | 0.5216% | 406 |
| Credit loss provision to net charge-offs | 48.2897% | 2,687 |
| Earnings coverage of net charge-offs (x) | 2.3682% | 3,287 |
| Efficiency ratio | 77.1767% | 1,903 |
| Assets per employee ($millions) | 4.2936% | 3,385 |
| Cash dividends to net income (ytd only)* | 87.4317% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 2,096 |
| Loan loss allowance to noncurrent loans | 727.5862% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 2,791 |
| Noncurrent loans to loans | 0.1983% | 4,647 |
| Net loans and leases to total assets | 73.9571% | 1,849 |
| Net loans and leases to deposits | 87.9875% | 1,998 |
| Net loans and leases to core deposits | 93.4965% | 2,214 |
| Total domestic deposits to total assets | 84.0540% | 3,241 |
| Equity capital to assets | 10.2860% | 3,880 |
| Core capital (leverage) ratio | 9.8126% | 3,800 |
| Tier 1 risk-based capital ratio | 11.8765% | 4,924 |
| Total risk-based capital ratio | 13.1274% | 4,808 |
| Memoranda: | ||
| Average total assets | $254,691,000 | 2,487 |
| Average earning assets | $231,997,670 | 2,516 |
| Average equity | $25,830,330 | 2,681 |
| Average total loans | $190,552,670 | 2,203 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 1,010 |
| Cost of funding earning assets | 0.5913% | 1,394 |
| Net interest margin | 4.1270% | 1,274 |
| Noninterest income to average assets | 0.3054% | 4,540 |
| Noninterest expense to average assets | 3.1342% | 2,009 |
| Loan and lease loss provision to assets | 0.1770% | 1,151 |
| Net operating income to assets | 0.7174% | 3,623 |
| Return on assets (ROA) | 0.7174% | 3,740 |
| Pretax return on assets | 0.7440% | 4,385 |
| Return on Equity (ROE) | 7.1237% | 3,388 |
| Retained earnings to average equity (ytd only) | 1.6798% | 4,603 |
| Net charge-offs to loans | 0.0084% | 2,844 |
| Credit loss provision to net charge-offs | 2,825.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 409 |
| Efficiency ratio | 77.2885% | 1,995 |
| Assets per employee ($millions) | 4.3062% | 3,399 |
| Cash dividends to net income (ytd only)* | 76.4192% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 1,424 |
| Loan loss allowance to noncurrent loans | 87.4051% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 2.0155% | 854 |
| Noncurrent loans to loans | 1.9125% | 1,136 |
| Net loans and leases to total assets | 73.2212% | 1,846 |
| Net loans and leases to deposits | 87.2905% | 1,905 |
| Net loans and leases to core deposits | 92.7007% | 2,123 |
| Total domestic deposits to total assets | 83.8822% | 3,564 |
| Equity capital to assets | 10.3771% | 3,643 |
| Core capital (leverage) ratio | 9.8447% | 3,727 |
| Tier 1 risk-based capital ratio | 11.9617% | 4,935 |
| Total risk-based capital ratio | 13.2151% | 4,852 |
| Memoranda: | ||
| Average total assets | $255,374,500 | 2,498 |
| Average earning assets | $232,034,500 | 2,529 |
| Average equity | $25,717,000 | 2,683 |
| Average total loans | $190,782,000 | 2,204 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 1,364 |
| Cost of funding earning assets | 0.5869% | 1,452 |
| Net interest margin | 4.0030% | 1,708 |
| Noninterest income to average assets | 0.3702% | 4,263 |
| Noninterest expense to average assets | 2.9953% | 2,563 |
| Loan and lease loss provision to assets | 0.1775% | 1,278 |
| Net operating income to assets | 0.8144% | 3,279 |
| Return on assets (ROA) | 0.8167% | 3,346 |
| Pretax return on assets | 0.8335% | 4,096 |
| Return on Equity (ROE) | 8.4850% | 2,716 |
| Retained earnings to average equity (ytd only) | 2.3393% | 4,393 |
| Net charge-offs to loans | 0.1613% | 1,757 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 8.5258% | 2,934 |
| Efficiency ratio | 74.8094% | 2,455 |
| Assets per employee ($millions) | 4.4235% | 3,165 |
| Cash dividends to net income (ytd only)* | 72.4299% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 1,848 |
| Loan loss allowance to noncurrent loans | 828.7293% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 2,652 |
| Noncurrent loans to loans | 0.1851% | 4,744 |
| Net loans and leases to total assets | 73.7877% | 1,766 |
| Net loans and leases to deposits | 87.4384% | 1,941 |
| Net loans and leases to core deposits | 93.3299% | 2,105 |
| Total domestic deposits to total assets | 84.3882% | 3,336 |
| Equity capital to assets | 9.7767% | 4,216 |
| Core capital (leverage) ratio | 9.4961% | 4,174 |
| Tier 1 risk-based capital ratio | 11.6464% | 5,163 |
| Total risk-based capital ratio | 12.8986% | 5,077 |
| Memoranda: | ||
| Average total assets | $262,040,800 | 2,409 |
| Average earning assets | $237,870,000 | 2,443 |
| Average equity | $25,221,000 | 2,670 |
| Average total loans | $192,173,400 | 2,141 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5500% | 1,453 |
| Cost of funding earning assets | 0.5831% | 1,517 |
| Net interest margin | 3.9669% | 1,819 |
| Noninterest income to average assets | 0.3116% | 4,716 |
| Noninterest expense to average assets | 2.9436% | 2,694 |
| Loan and lease loss provision to assets | 0.1698% | 1,246 |
| Net operating income to assets | 0.7945% | 3,455 |
| Return on assets (ROA) | 0.7975% | 3,532 |
| Pretax return on assets | 0.8082% | 4,315 |
| Return on Equity (ROE) | 8.3188% | 2,918 |
| Retained earnings to average equity (ytd only) | 1.9564% | 4,901 |
| Net charge-offs to loans | 0.1951% | 1,307 |
| Credit loss provision to net charge-offs | 119.2857% | 1,997 |
| Earnings coverage of net charge-offs (x) | 6.8501% | 2,989 |
| Efficiency ratio | 75.1200% | 2,385 |
| Assets per employee ($millions) | 4.4683% | 3,067 |
| Cash dividends to net income (ytd only)* | 76.4818% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 1,900 |
| Loan loss allowance to noncurrent loans | 833.0460% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.8076% | 2,869 |
| Noncurrent loans to loans | 0.1881% | 4,894 |
| Net loans and leases to total assets | 70.2773% | 2,349 |
| Net loans and leases to deposits | 82.8076% | 2,552 |
| Net loans and leases to core deposits | 88.0601% | 2,658 |
| Total domestic deposits to total assets | 84.8682% | 3,070 |
| Equity capital to assets | 9.7985% | 4,397 |
| Core capital (leverage) ratio | 9.5070% | 4,293 |
| Tier 1 risk-based capital ratio | 11.8624% | 5,160 |
| Total risk-based capital ratio | 13.1143% | 5,084 |
| Memoranda: | ||
| Average total assets | $262,304,000 | 2,420 |
| Average earning assets | $238,500,000 | 2,455 |
| Average equity | $25,147,250 | 2,705 |
| Average total loans | $191,322,500 | 2,165 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 1,380 |
| Cost of funding earning assets | 0.5792% | 1,574 |
| Net interest margin | 3.9796% | 1,701 |
| Noninterest income to average assets | 0.3106% | 4,736 |
| Noninterest expense to average assets | 2.9808% | 2,613 |
| Loan and lease loss provision to assets | 0.1625% | 1,307 |
| Net operating income to assets | 0.7655% | 3,558 |
| Return on assets (ROA) | 0.7655% | 3,663 |
| Pretax return on assets | 0.7784% | 4,393 |
| Return on Equity (ROE) | 8.0431% | 3,025 |
| Retained earnings to average equity (ytd only) | 1.2607% | 5,046 |
| Net charge-offs to loans | 0.3299% | 799 |
| Credit loss provision to net charge-offs | 67.0846% | 2,503 |
| Earnings coverage of net charge-offs (x) | 3.8840% | 3,122 |
| Efficiency ratio | 76.0070% | 2,354 |
| Assets per employee ($millions) | 4.5126% | 2,966 |
| Cash dividends to net income (ytd only)* | 84.3254% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 2,374 |
| Loan loss allowance to noncurrent loans | 452.1452% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.9984% | 2,528 |
| Noncurrent loans to loans | 0.3276% | 4,520 |
| Net loans and leases to total assets | 69.6339% | 2,376 |
| Net loans and leases to deposits | 81.7116% | 2,594 |
| Net loans and leases to core deposits | 87.2721% | 2,634 |
| Total domestic deposits to total assets | 85.2191% | 3,032 |
| Equity capital to assets | 9.5270% | 4,620 |
| Core capital (leverage) ratio | 9.2079% | 4,677 |
| Tier 1 risk-based capital ratio | 11.7347% | 5,315 |
| Total risk-based capital ratio | 12.9856% | 5,231 |
| Memoranda: | ||
| Average total assets | $263,351,330 | 2,430 |
| Average earning assets | $238,968,000 | 2,469 |
| Average equity | $25,065,000 | 2,720 |
| Average total loans | $193,419,670 | 2,147 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 1,287 |
| Cost of funding earning assets | 0.5846% | 1,547 |
| Net interest margin | 3.9867% | 1,604 |
| Noninterest income to average assets | 0.3362% | 4,501 |
| Noninterest expense to average assets | 2.8800% | 2,968 |
| Loan and lease loss provision to assets | 0.1650% | 1,215 |
| Net operating income to assets | 0.8888% | 2,796 |
| Return on assets (ROA) | 0.8888% | 2,922 |
| Pretax return on assets | 0.9055% | 3,867 |
| Return on Equity (ROE) | 9.3434% | 2,290 |
| Retained earnings to average equity (ytd only) | 4.5682% | 3,286 |
| Net charge-offs to loans | 0.4007% | 605 |
| Credit loss provision to net charge-offs | 55.0505% | 2,057 |
| Earnings coverage of net charge-offs (x) | 3.5707% | 2,589 |
| Efficiency ratio | 72.9015% | 3,007 |
| Assets per employee ($millions) | 4.7371% | 2,707 |
| Cash dividends to net income (ytd only)* | 51.1073% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 2,770 |
| Loan loss allowance to noncurrent loans | 448.1301% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9884% | 2,646 |
| Noncurrent loans to loans | 0.3200% | 4,646 |
| Net loans and leases to total assets | 71.4203% | 1,913 |
| Net loans and leases to deposits | 83.8527% | 2,099 |
| Net loans and leases to core deposits | 89.2652% | 2,205 |
| Total domestic deposits to total assets | 85.1736% | 3,320 |
| Equity capital to assets | 9.5697% | 4,668 |
| Core capital (leverage) ratio | 9.4119% | 4,411 |
| Tier 1 risk-based capital ratio | 11.6287% | 5,480 |
| Total risk-based capital ratio | 12.8793% | 5,389 |
| Memoranda: | ||
| Average total assets | $264,162,500 | 2,433 |
| Average earning assets | $239,499,000 | 2,474 |
| Average equity | $25,130,000 | 2,736 |
| Average total loans | $197,633,500 | 2,106 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8834% | 951 |
| Cost of funding earning assets | 0.5631% | 2,116 |
| Net interest margin | 4.3203% | 1,022 |
| Noninterest income to average assets | 0.3743% | 4,391 |
| Noninterest expense to average assets | 3.1112% | 2,481 |
| Loan and lease loss provision to assets | 0.2247% | 1,092 |
| Net operating income to assets | 0.8974% | 2,889 |
| Return on assets (ROA) | 0.8974% | 2,976 |
| Pretax return on assets | 0.9166% | 3,845 |
| Return on Equity (ROE) | 9.2015% | 2,483 |
| Retained earnings to average equity (ytd only) | 0.7955% | 5,407 |
| Net charge-offs to loans | 0.2792% | 1,553 |
| Credit loss provision to net charge-offs | 108.4942% | 2,197 |
| Earnings coverage of net charge-offs (x) | 5.5097% | 3,404 |
| Efficiency ratio | 73.1616% | 2,994 |
| Assets per employee ($millions) | 4.6149% | 2,848 |
| Cash dividends to net income (ytd only)* | 91.3547% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 2,946 |
| Loan loss allowance to noncurrent loans | 493.0676% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9823% | 2,790 |
| Noncurrent loans to loans | 0.2842% | 4,832 |
| Net loans and leases to total assets | 76.1094% | 1,249 |
| Net loans and leases to deposits | 96.0386% | 897 |
| Net loans and leases to core deposits | 103.0476% | 1,179 |
| Total domestic deposits to total assets | 79.2487% | 5,193 |
| Equity capital to assets | 9.4560% | 4,772 |
| Core capital (leverage) ratio | 9.6717% | 4,014 |
| Tier 1 risk-based capital ratio | 11.8464% | 5,464 |
| Total risk-based capital ratio | 13.0985% | 5,369 |
| Memoranda: | ||
| Average total assets | $250,065,400 | 2,525 |
| Average earning assets | $224,476,400 | 2,580 |
| Average equity | $24,387,400 | 2,723 |
| Average total loans | $185,543,600 | 2,166 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 887 |
| Cost of funding earning assets | 0.5777% | 2,038 |
| Net interest margin | 4.3457% | 963 |
| Noninterest income to average assets | 0.3830% | 4,373 |
| Noninterest expense to average assets | 3.1898% | 2,206 |
| Loan and lease loss provision to assets | 0.2134% | 1,077 |
| Net operating income to assets | 0.8519% | 3,168 |
| Return on assets (ROA) | 0.8519% | 3,261 |
| Pretax return on assets | 0.8724% | 4,104 |
| Return on Equity (ROE) | 8.6649% | 2,864 |
| Retained earnings to average equity (ytd only) | 0.1484% | 5,760 |
| Net charge-offs to loans | 0.2053% | 1,826 |
| Credit loss provision to net charge-offs | 141.5771% | 1,668 |
| Earnings coverage of net charge-offs (x) | 7.2043% | 2,959 |
| Efficiency ratio | 74.6052% | 2,717 |
| Assets per employee ($millions) | 4.3162% | 3,268 |
| Cash dividends to net income (ytd only)* | 98.2883% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5903% | 2,329 |
| Loan loss allowance to noncurrent loans | 1,451.2438% | 410 |
| Noncurrent assets plus other real estate owned to assets | 1.2180% | 2,521 |
| Noncurrent loans to loans | 0.1096% | 5,604 |
| Net loans and leases to total assets | 72.1068% | 1,830 |
| Net loans and leases to deposits | 85.2951% | 1,994 |
| Net loans and leases to core deposits | 91.1611% | 2,100 |
| Total domestic deposits to total assets | 84.5380% | 3,529 |
| Equity capital to assets | 9.8104% | 4,407 |
| Core capital (leverage) ratio | 9.7087% | 4,064 |
| Tier 1 risk-based capital ratio | 12.8825% | 4,926 |
| Total risk-based capital ratio | 14.1370% | 4,844 |
| Memoranda: | ||
| Average total assets | $246,819,500 | 2,567 |
| Average earning assets | $221,088,250 | 2,622 |
| Average equity | $24,265,750 | 2,739 |
| Average total loans | $181,167,000 | 2,231 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 830 |
| Cost of funding earning assets | 0.5709% | 2,156 |
| Net interest margin | 4.3726% | 895 |
| Noninterest income to average assets | 0.3534% | 4,598 |
| Noninterest expense to average assets | 3.1956% | 2,208 |
| Loan and lease loss provision to assets | 0.1881% | 1,297 |
| Net operating income to assets | 0.8557% | 3,041 |
| Return on assets (ROA) | 0.8557% | 3,143 |
| Pretax return on assets | 0.8793% | 3,961 |
| Return on Equity (ROE) | 8.6975% | 2,730 |
| Retained earnings to average equity (ytd only) | -0.8193% | 5,832 |
| Net charge-offs to loans | 0.3126% | 1,291 |
| Credit loss provision to net charge-offs | 81.9149% | 2,305 |
| Earnings coverage of net charge-offs (x) | 4.6489% | 3,069 |
| Efficiency ratio | 74.9618% | 2,811 |
| Assets per employee ($millions) | 4.2818% | 3,308 |
| Cash dividends to net income (ytd only)* | 109.4196% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 2,729 |
| Loan loss allowance to noncurrent loans | 1,354.6798% | 395 |
| Noncurrent assets plus other real estate owned to assets | 1.4140% | 2,312 |
| Noncurrent loans to loans | 0.1136% | 5,673 |
| Net loans and leases to total assets | 72.0844% | 1,731 |
| Net loans and leases to deposits | 85.6249% | 1,856 |
| Net loans and leases to core deposits | 91.6183% | 1,963 |
| Total domestic deposits to total assets | 84.1863% | 3,862 |
| Equity capital to assets | 9.9766% | 4,137 |
| Core capital (leverage) ratio | 9.8468% | 3,821 |
| Tier 1 risk-based capital ratio | 13.0278% | 4,891 |
| Total risk-based capital ratio | 14.2815% | 4,822 |
| Memoranda: | ||
| Average total assets | $245,647,000 | 2,582 |
| Average earning assets | $219,641,670 | 2,643 |
| Average equity | $24,168,000 | 2,738 |
| Average total loans | $180,413,670 | 2,227 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 979 |
| Cost of funding earning assets | 0.5610% | 2,334 |
| Net interest margin | 4.2734% | 1,056 |
| Noninterest income to average assets | 0.3555% | 4,537 |
| Noninterest expense to average assets | 3.1797% | 2,296 |
| Loan and lease loss provision to assets | 0.1850% | 1,290 |
| Net operating income to assets | 0.7872% | 3,214 |
| Return on assets (ROA) | 0.7872% | 3,291 |
| Pretax return on assets | 0.8116% | 4,065 |
| Return on Equity (ROE) | 8.0573% | 2,896 |
| Retained earnings to average equity (ytd only) | 1.4121% | 5,050 |
| Net charge-offs to loans | 0.7988% | 433 |
| Credit loss provision to net charge-offs | 31.4917% | 2,384 |
| Earnings coverage of net charge-offs (x) | 1.6961% | 3,039 |
| Efficiency ratio | 76.1368% | 2,778 |
| Assets per employee ($millions) | 4.1209% | 3,681 |
| Cash dividends to net income (ytd only)* | 82.4742% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 3,486 |
| Loan loss allowance to noncurrent loans | 1,086.3830% | 479 |
| Noncurrent assets plus other real estate owned to assets | 1.4539% | 2,441 |
| Noncurrent loans to loans | 0.1312% | 5,713 |
| Net loans and leases to total assets | 72.6367% | 1,472 |
| Net loans and leases to deposits | 86.2223% | 1,574 |
| Net loans and leases to core deposits | 92.2599% | 1,707 |
| Total domestic deposits to total assets | 84.2435% | 4,190 |
| Equity capital to assets | 9.9884% | 3,856 |
| Core capital (leverage) ratio | 10.0337% | 3,524 |
| Tier 1 risk-based capital ratio | 12.9715% | 5,022 |
| Total risk-based capital ratio | 14.2236% | 4,955 |
| Memoranda: | ||
| Average total assets | $246,440,000 | 2,588 |
| Average earning assets | $220,340,000 | 2,651 |
| Average equity | $24,077,500 | 2,750 |
| Average total loans | $181,280,500 | 2,222 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9924% | 929 |
| Cost of funding earning assets | 0.6455% | 2,246 |
| Net interest margin | 4.3468% | 1,007 |
| Noninterest income to average assets | 0.5145% | 3,670 |
| Noninterest expense to average assets | 3.1226% | 2,668 |
| Loan and lease loss provision to assets | 0.1704% | 2,154 |
| Net operating income to assets | 1.0443% | 2,141 |
| Return on assets (ROA) | 1.0503% | 2,188 |
| Pretax return on assets | 1.0680% | 3,081 |
| Return on Equity (ROE) | 10.6613% | 1,877 |
| Retained earnings to average equity (ytd only) | 2.3256% | 4,595 |
| Net charge-offs to loans | 0.3135% | 2,117 |
| Credit loss provision to net charge-offs | 76.5683% | 3,128 |
| Earnings coverage of net charge-offs (x) | 5.5369% | 3,275 |
| Efficiency ratio | 71.7047% | 3,536 |
| Assets per employee ($millions) | 4.3060% | 3,257 |
| Cash dividends to net income (ytd only)* | 78.1861% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 3,059 |
| Loan loss allowance to noncurrent loans | 1,026.0073% | 497 |
| Noncurrent assets plus other real estate owned to assets | 1.3089% | 2,803 |
| Noncurrent loans to loans | 0.1489% | 5,754 |
| Net loans and leases to total assets | 72.3145% | 1,635 |
| Net loans and leases to deposits | 86.4987% | 1,625 |
| Net loans and leases to core deposits | 92.8078% | 1,696 |
| Total domestic deposits to total assets | 83.6019% | 4,320 |
| Equity capital to assets | 9.5576% | 4,335 |
| Core capital (leverage) ratio | 9.8743% | 3,738 |
| Tier 1 risk-based capital ratio | 12.7398% | 5,148 |
| Total risk-based capital ratio | 13.9929% | 5,091 |
| Memoranda: | ||
| Average total assets | $243,548,000 | 2,591 |
| Average earning assets | $215,168,600 | 2,668 |
| Average equity | $23,993,400 | 2,732 |
| Average total loans | $172,874,600 | 2,270 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 1,036 |
| Cost of funding earning assets | 0.6467% | 2,385 |
| Net interest margin | 4.2988% | 1,097 |
| Noninterest income to average assets | 0.3741% | 4,717 |
| Noninterest expense to average assets | 3.1515% | 2,500 |
| Loan and lease loss provision to assets | 0.1675% | 2,166 |
| Net operating income to assets | 0.8321% | 3,182 |
| Return on assets (ROA) | 0.8402% | 3,265 |
| Pretax return on assets | 0.8578% | 4,059 |
| Return on Equity (ROE) | 8.4634% | 2,897 |
| Retained earnings to average equity (ytd only) | 0.1387% | 5,893 |
| Net charge-offs to loans | 0.3407% | 1,843 |
| Credit loss provision to net charge-offs | 69.8851% | 3,076 |
| Earnings coverage of net charge-offs (x) | 4.2436% | 3,491 |
| Efficiency ratio | 75.6014% | 2,791 |
| Assets per employee ($millions) | 4.2758% | 3,280 |
| Cash dividends to net income (ytd only)* | 98.3608% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 2,992 |
| Loan loss allowance to noncurrent loans | 510.4015% | 862 |
| Noncurrent assets plus other real estate owned to assets | 1.5579% | 2,598 |
| Noncurrent loans to loans | 0.3140% | 5,443 |
| Net loans and leases to total assets | 70.4667% | 1,876 |
| Net loans and leases to deposits | 83.6349% | 1,923 |
| Net loans and leases to core deposits | 89.5729% | 2,016 |
| Total domestic deposits to total assets | 84.2552% | 4,081 |
| Equity capital to assets | 9.6316% | 4,379 |
| Core capital (leverage) ratio | 9.7919% | 3,967 |
| Tier 1 risk-based capital ratio | 13.0050% | 5,118 |
| Total risk-based capital ratio | 14.2591% | 5,069 |
| Memoranda: | ||
| Average total assets | $241,998,000 | 2,627 |
| Average earning assets | $213,603,250 | 2,700 |
| Average equity | $24,024,250 | 2,754 |
| Average total loans | $170,242,000 | 2,312 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9410% | 1,014 |
| Cost of funding earning assets | 0.6596% | 2,408 |
| Net interest margin | 4.2813% | 1,067 |
| Noninterest income to average assets | 0.3612% | 4,804 |
| Noninterest expense to average assets | 3.1430% | 2,537 |
| Loan and lease loss provision to assets | 0.1698% | 2,213 |
| Net operating income to assets | 0.8052% | 3,265 |
| Return on assets (ROA) | 0.8052% | 3,419 |
| Pretax return on assets | 0.8176% | 4,246 |
| Return on Equity (ROE) | 8.0305% | 3,081 |
| Retained earnings to average equity (ytd only) | -1.6772% | 6,154 |
| Net charge-offs to loans | 0.2227% | 2,398 |
| Credit loss provision to net charge-offs | 109.0426% | 2,035 |
| Earnings coverage of net charge-offs (x) | 6.3404% | 2,734 |
| Efficiency ratio | 76.0931% | 2,773 |
| Assets per employee ($millions) | 4.0755% | 3,636 |
| Cash dividends to net income (ytd only)* | 120.8848% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7451% | 2,608 |
| Loan loss allowance to noncurrent loans | 295.4865% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 1.9204% | 2,259 |
| Noncurrent loans to loans | 0.5906% | 4,783 |
| Net loans and leases to total assets | 67.8324% | 2,278 |
| Net loans and leases to deposits | 79.4305% | 2,412 |
| Net loans and leases to core deposits | 84.7413% | 2,462 |
| Total domestic deposits to total assets | 85.3985% | 3,697 |
| Equity capital to assets | 9.5093% | 4,566 |
| Core capital (leverage) ratio | 9.5969% | 4,086 |
| Tier 1 risk-based capital ratio | 13.0053% | 5,141 |
| Total risk-based capital ratio | 14.2605% | 5,077 |
| Memoranda: | ||
| Average total assets | $241,424,670 | 2,637 |
| Average earning assets | $212,550,000 | 2,714 |
| Average equity | $24,207,670 | 2,748 |
| Average total loans | $168,810,330 | 2,320 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9884% | 908 |
| Cost of funding earning assets | 0.6472% | 2,689 |
| Net interest margin | 4.3412% | 891 |
| Noninterest income to average assets | 0.4636% | 4,028 |
| Noninterest expense to average assets | 3.1250% | 2,599 |
| Loan and lease loss provision to assets | 0.1701% | 2,159 |
| Net operating income to assets | 0.9355% | 2,494 |
| Return on assets (ROA) | 0.9355% | 2,638 |
| Pretax return on assets | 0.9605% | 3,522 |
| Return on Equity (ROE) | 9.0905% | 2,445 |
| Retained earnings to average equity (ytd only) | 0.9885% | 5,450 |
| Net charge-offs to loans | 0.0190% | 3,778 |
| Credit loss provision to net charge-offs | 1,275.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 84.7500% | 443 |
| Efficiency ratio | 73.4326% | 3,365 |
| Assets per employee ($millions) | 4.3264% | 3,286 |
| Cash dividends to net income (ytd only)* | 89.1266% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 2,538 |
| Loan loss allowance to noncurrent loans | 190.3023% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 2.0171% | 2,322 |
| Noncurrent loans to loans | 0.9587% | 4,219 |
| Net loans and leases to total assets | 67.1222% | 2,166 |
| Net loans and leases to deposits | 77.7566% | 2,373 |
| Net loans and leases to core deposits | 82.7003% | 2,489 |
| Total domestic deposits to total assets | 86.3234% | 3,342 |
| Equity capital to assets | 10.1686% | 3,936 |
| Core capital (leverage) ratio | 9.9325% | 3,489 |
| Tier 1 risk-based capital ratio | 13.3195% | 4,997 |
| Total risk-based capital ratio | 14.5756% | 4,946 |
| Memoranda: | ||
| Average total assets | $239,872,500 | 2,673 |
| Average earning assets | $209,526,000 | 2,778 |
| Average equity | $24,685,000 | 2,736 |
| Average total loans | $168,807,500 | 2,335 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4844% | 645 |
| Cost of funding earning assets | 0.7869% | 2,765 |
| Net interest margin | 4.6975% | 651 |
| Noninterest income to average assets | 0.2987% | 5,326 |
| Noninterest expense to average assets | 3.2988% | 2,339 |
| Loan and lease loss provision to assets | 0.2005% | 3,131 |
| Net operating income to assets | 0.8642% | 2,987 |
| Return on assets (ROA) | 0.9216% | 2,941 |
| Pretax return on assets | 0.9476% | 3,756 |
| Return on Equity (ROE) | 8.9161% | 2,684 |
| Retained earnings to average equity (ytd only) | 1.6111% | 5,061 |
| Net charge-offs to loans | 0.4115% | 2,609 |
| Credit loss provision to net charge-offs | 68.2857% | 4,217 |
| Earnings coverage of net charge-offs (x) | 3.7086% | 3,628 |
| Efficiency ratio | 75.1816% | 2,879 |
| Assets per employee ($millions) | 4.1661% | 3,623 |
| Cash dividends to net income (ytd only)* | 81.9299% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 2,923 |
| Loan loss allowance to noncurrent loans | 100.1026% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 2.4306% | 2,015 |
| Noncurrent loans to loans | 1.7009% | 3,068 |
| Net loans and leases to total assets | 71.1857% | 1,620 |
| Net loans and leases to deposits | 82.8647% | 1,899 |
| Net loans and leases to core deposits | 88.3041% | 2,052 |
| Total domestic deposits to total assets | 85.9059% | 3,398 |
| Equity capital to assets | 10.4157% | 3,632 |
| Core capital (leverage) ratio | 10.1683% | 3,176 |
| Tier 1 risk-based capital ratio | 13.0602% | 5,066 |
| Total risk-based capital ratio | 14.3153% | 5,008 |
| Memoranda: | ||
| Average total assets | $238,392,400 | 2,650 |
| Average earning assets | $207,516,000 | 2,770 |
| Average equity | $24,640,800 | 2,697 |
| Average total loans | $170,117,000 | 2,313 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4671% | 732 |
| Cost of funding earning assets | 0.8148% | 2,823 |
| Net interest margin | 4.6523% | 742 |
| Noninterest income to average assets | 0.2604% | 5,704 |
| Noninterest expense to average assets | 3.3111% | 2,240 |
| Loan and lease loss provision to assets | 0.1972% | 3,111 |
| Net operating income to assets | 0.7986% | 3,465 |
| Return on assets (ROA) | 0.8750% | 3,353 |
| Pretax return on assets | 0.8985% | 4,103 |
| Return on Equity (ROE) | 8.4816% | 3,053 |
| Retained earnings to average equity (ytd only) | 1.4407% | 5,605 |
| Net charge-offs to loans | 0.3442% | 2,729 |
| Credit loss provision to net charge-offs | 80.5936% | 3,600 |
| Earnings coverage of net charge-offs (x) | 4.1552% | 3,381 |
| Efficiency ratio | 76.5040% | 2,594 |
| Assets per employee ($millions) | 4.0366% | 3,793 |
| Cash dividends to net income (ytd only)* | 83.0140% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7754% | 2,876 |
| Loan loss allowance to noncurrent loans | 94.4821% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 2.8146% | 1,868 |
| Noncurrent loans to loans | 1.8790% | 2,981 |
| Net loans and leases to total assets | 73.7016% | 1,291 |
| Net loans and leases to deposits | 84.9342% | 1,739 |
| Net loans and leases to core deposits | 89.4521% | 2,053 |
| Total domestic deposits to total assets | 86.7749% | 2,813 |
| Equity capital to assets | 10.7286% | 3,576 |
| Core capital (leverage) ratio | 10.1721% | 3,315 |
| Tier 1 risk-based capital ratio | 12.9831% | 5,267 |
| Total risk-based capital ratio | 14.2390% | 5,228 |
| Memoranda: | ||
| Average total assets | $238,623,250 | 2,668 |
| Average earning assets | $208,635,750 | 2,780 |
| Average equity | $24,617,500 | 2,720 |
| Average total loans | $169,653,250 | 2,345 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4706% | 764 |
| Cost of funding earning assets | 0.8649% | 2,691 |
| Net interest margin | 4.6057% | 820 |
| Noninterest income to average assets | 0.3818% | 4,782 |
| Noninterest expense to average assets | 3.3603% | 2,128 |
| Loan and lease loss provision to assets | 0.1955% | 3,128 |
| Net operating income to assets | 0.8209% | 3,299 |
| Return on assets (ROA) | 0.8241% | 3,539 |
| Pretax return on assets | 0.8473% | 4,289 |
| Return on Equity (ROE) | 8.0911% | 3,219 |
| Retained earnings to average equity (ytd only) | 1.5857% | 5,411 |
| Net charge-offs to loans | 0.2004% | 3,381 |
| Credit loss provision to net charge-offs | 139.6450% | 1,973 |
| Earnings coverage of net charge-offs (x) | 7.4260% | 2,484 |
| Efficiency ratio | 76.3742% | 2,689 |
| Assets per employee ($millions) | 4.1601% | 3,541 |
| Cash dividends to net income (ytd only)* | 80.4020% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9727% | 2,304 |
| Loan loss allowance to noncurrent loans | 78.0446% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 3.3817% | 1,588 |
| Noncurrent loans to loans | 2.5277% | 2,385 |
| Net loans and leases to total assets | 68.6195% | 2,186 |
| Net loans and leases to deposits | 78.8383% | 2,544 |
| Net loans and leases to core deposits | 83.3971% | 2,769 |
| Total domestic deposits to total assets | 87.0383% | 2,743 |
| Equity capital to assets | 10.6279% | 3,540 |
| Core capital (leverage) ratio | 9.9716% | 3,460 |
| Tier 1 risk-based capital ratio | 13.3272% | 4,948 |
| Total risk-based capital ratio | 14.5849% | 4,904 |
| Memoranda: | ||
| Average total assets | $241,469,000 | 2,644 |
| Average earning assets | $210,651,670 | 2,753 |
| Average equity | $24,595,000 | 2,709 |
| Average total loans | $168,657,000 | 2,364 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5886% | 641 |
| Cost of funding earning assets | 0.9280% | 2,456 |
| Net interest margin | 4.6606% | 734 |
| Noninterest income to average assets | 0.3825% | 4,807 |
| Noninterest expense to average assets | 3.1939% | 2,621 |
| Loan and lease loss provision to assets | 0.2165% | 2,772 |
| Net operating income to assets | 1.0142% | 2,420 |
| Return on assets (ROA) | 1.0142% | 2,613 |
| Pretax return on assets | 1.0353% | 3,550 |
| Return on Equity (ROE) | 10.1660% | 2,339 |
| Retained earnings to average equity (ytd only) | 3.6389% | 4,395 |
| Net charge-offs to loans | 0.1983% | 2,931 |
| Credit loss provision to net charge-offs | 156.4706% | 1,620 |
| Earnings coverage of net charge-offs (x) | 9.0471% | 1,890 |
| Efficiency ratio | 71.8418% | 3,473 |
| Assets per employee ($millions) | 4.3342% | 3,326 |
| Cash dividends to net income (ytd only)* | 64.2055% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9311% | 2,586 |
| Loan loss allowance to noncurrent loans | 107.0281% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 2.7955% | 2,096 |
| Noncurrent loans to loans | 1.8043% | 3,404 |
| Net loans and leases to total assets | 66.9129% | 2,309 |
| Net loans and leases to deposits | 76.4880% | 2,731 |
| Net loans and leases to core deposits | 81.1946% | 2,929 |
| Total domestic deposits to total assets | 87.4816% | 2,666 |
| Equity capital to assets | 10.1457% | 3,927 |
| Core capital (leverage) ratio | 9.5789% | 3,950 |
| Tier 1 risk-based capital ratio | 13.2246% | 5,054 |
| Total risk-based capital ratio | 14.4818% | 5,022 |
| Memoranda: | ||
| Average total assets | $245,722,000 | 2,601 |
| Average earning assets | $214,220,000 | 2,720 |
| Average equity | $24,513,000 | 2,711 |
| Average total loans | $171,448,000 | 2,342 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9585% | 461 |
| Cost of funding earning assets | 1.3079% | 1,448 |
| Net interest margin | 4.6506% | 832 |
| Noninterest income to average assets | 0.3124% | 5,307 |
| Noninterest expense to average assets | 3.1379% | 3,071 |
| Loan and lease loss provision to assets | 0.2262% | 3,942 |
| Net operating income to assets | 0.9999% | 2,197 |
| Return on assets (ROA) | 1.0168% | 2,284 |
| Pretax return on assets | 1.0394% | 3,087 |
| Return on Equity (ROE) | 10.9702% | 1,704 |
| Retained earnings to average equity (ytd only) | 10.0539% | 554 |
| Net charge-offs to loans | 0.4678% | 3,118 |
| Credit loss provision to net charge-offs | 65.5012% | 5,008 |
| Earnings coverage of net charge-offs (x) | 3.6142% | 3,453 |
| Efficiency ratio | 71.5400% | 3,679 |
| Assets per employee ($millions) | 4.3637% | 3,136 |
| Cash dividends to net income (ytd only)* | 8.3531% | 3,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7767% | 2,941 |
| Loan loss allowance to noncurrent loans | 65.0289% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 3.9690% | 1,449 |
| Noncurrent loans to loans | 2.7322% | 2,383 |
| Net loans and leases to total assets | 70.0121% | 2,025 |
| Net loans and leases to deposits | 79.7010% | 2,581 |
| Net loans and leases to core deposits | 84.7562% | 2,778 |
| Total domestic deposits to total assets | 87.8434% | 2,253 |
| Equity capital to assets | 9.8102% | 4,429 |
| Core capital (leverage) ratio | 9.5612% | 3,934 |
| Tier 1 risk-based capital ratio | 12.2061% | 5,684 |
| Total risk-based capital ratio | 13.4618% | 5,652 |
| Memoranda: | ||
| Average total assets | $248,417,600 | 2,534 |
| Average earning assets | $217,605,200 | 2,640 |
| Average equity | $23,026,000 | 2,782 |
| Average total loans | $183,415,000 | 2,194 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9689% | 487 |
| Cost of funding earning assets | 1.3776% | 1,329 |
| Net interest margin | 4.5913% | 965 |
| Noninterest income to average assets | 0.3254% | 5,264 |
| Noninterest expense to average assets | 3.1537% | 2,982 |
| Loan and lease loss provision to assets | 0.1686% | 4,362 |
| Net operating income to assets | 1.0093% | 2,284 |
| Return on assets (ROA) | 1.0319% | 2,366 |
| Pretax return on assets | 1.0539% | 3,191 |
| Return on Equity (ROE) | 11.2978% | 1,759 |
| Retained earnings to average equity (ytd only) | 11.2978% | 580 |
| Net charge-offs to loans | 0.1997% | 4,201 |
| Credit loss provision to net charge-offs | 113.3574% | 2,885 |
| Earnings coverage of net charge-offs (x) | 8.0651% | 2,244 |
| Efficiency ratio | 72.4470% | 3,465 |
| Assets per employee ($millions) | 4.2626% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8914% | 2,638 |
| Loan loss allowance to noncurrent loans | 76.9214% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 4.1693% | 1,468 |
| Noncurrent loans to loans | 2.4589% | 2,813 |
| Net loans and leases to total assets | 74.3566% | 1,262 |
| Net loans and leases to deposits | 84.9035% | 1,856 |
| Net loans and leases to core deposits | 91.3685% | 2,072 |
| Total domestic deposits to total assets | 87.5777% | 2,307 |
| Equity capital to assets | 9.9145% | 4,459 |
| Core capital (leverage) ratio | 9.4097% | 4,290 |
| Tier 1 risk-based capital ratio | 11.7567% | 6,064 |
| Total risk-based capital ratio | 13.0136% | 6,058 |
| Memoranda: | ||
| Average total assets | $248,339,500 | 2,552 |
| Average earning assets | $217,856,750 | 2,653 |
| Average equity | $22,682,250 | 2,817 |
| Average total loans | $184,946,000 | 2,199 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9515% | 521 |
| Cost of funding earning assets | 1.4168% | 1,343 |
| Net interest margin | 4.5347% | 1,046 |
| Noninterest income to average assets | 0.3662% | 4,948 |
| Noninterest expense to average assets | 3.2463% | 2,736 |
| Loan and lease loss provision to assets | 0.1647% | 4,284 |
| Net operating income to assets | 0.9107% | 2,595 |
| Return on assets (ROA) | 0.9107% | 2,695 |
| Pretax return on assets | 0.9323% | 3,497 |
| Return on Equity (ROE) | 10.2551% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.2551% | 789 |
| Net charge-offs to loans | 0.0713% | 4,928 |
| Credit loss provision to net charge-offs | 312.1212% | 974 |
| Earnings coverage of net charge-offs (x) | 20.7879% | 1,179 |
| Efficiency ratio | 74.7423% | 3,230 |
| Assets per employee ($millions) | 4.1887% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9780% | 2,431 |
| Loan loss allowance to noncurrent loans | 80.8568% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 4.1656% | 1,525 |
| Noncurrent loans to loans | 2.4462% | 2,940 |
| Net loans and leases to total assets | 73.1500% | 1,564 |
| Net loans and leases to deposits | 83.1876% | 2,235 |
| Net loans and leases to core deposits | 89.3411% | 2,457 |
| Total domestic deposits to total assets | 87.9337% | 2,182 |
| Equity capital to assets | 9.5130% | 4,799 |
| Core capital (leverage) ratio | 8.8967% | 4,888 |
| Tier 1 risk-based capital ratio | 11.4554% | 6,200 |
| Total risk-based capital ratio | 12.7133% | 6,185 |
| Memoranda: | ||
| Average total assets | $250,130,330 | 2,548 |
| Average earning assets | $219,375,000 | 2,654 |
| Average equity | $22,213,330 | 2,851 |
| Average total loans | $185,213,000 | 2,219 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8610% | 656 |
| Cost of funding earning assets | 1.4962% | 1,176 |
| Net interest margin | 4.3647% | 1,376 |
| Noninterest income to average assets | 0.1939% | 6,337 |
| Noninterest expense to average assets | 3.2051% | 2,876 |
| Loan and lease loss provision to assets | 0.1829% | 3,784 |
| Net operating income to assets | 0.6164% | 3,955 |
| Return on assets (ROA) | 0.6164% | 4,021 |
| Pretax return on assets | 0.6369% | 4,549 |
| Return on Equity (ROE) | 7.1860% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.1860% | 2,075 |
| Net charge-offs to loans | 0.1817% | 3,399 |
| Credit loss provision to net charge-offs | 136.4706% | 2,043 |
| Earnings coverage of net charge-offs (x) | 6.1176% | 2,155 |
| Efficiency ratio | 79.6318% | 2,594 |
| Assets per employee ($millions) | 4.4737% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8928% | 2,718 |
| Loan loss allowance to noncurrent loans | 92.7447% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 3.6859% | 1,838 |
| Noncurrent loans to loans | 2.0409% | 3,523 |
| Net loans and leases to total assets | 70.6740% | 1,983 |
| Net loans and leases to deposits | 80.8172% | 2,554 |
| Net loans and leases to core deposits | 86.4112% | 2,818 |
| Total domestic deposits to total assets | 87.4491% | 2,684 |
| Equity capital to assets | 8.6262% | 5,743 |
| Core capital (leverage) ratio | 8.4347% | 5,568 |
| Tier 1 risk-based capital ratio | 10.8320% | 6,622 |
| Total risk-based capital ratio | 12.0887% | 6,594 |
| Memoranda: | ||
| Average total assets | $253,724,500 | 2,537 |
| Average earning assets | $222,693,500 | 2,627 |
| Average equity | $21,764,500 | 2,898 |
| Average total loans | $187,170,500 | 2,220 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2637% | 496 |
| Cost of funding earning assets | 1.8014% | 1,170 |
| Net interest margin | 4.4623% | 1,317 |
| Noninterest income to average assets | 0.1249% | 6,778 |
| Noninterest expense to average assets | 3.2295% | 2,980 |
| Loan and lease loss provision to assets | 0.9682% | 1,673 |
| Net operating income to assets | -0.1328% | 6,028 |
| Return on assets (ROA) | -0.1328% | 6,085 |
| Pretax return on assets | -0.1328% | 6,025 |
| Return on Equity (ROE) | -1.5266% | 6,120 |
| Retained earnings to average equity (ytd only) | -1.5266% | 5,891 |
| Net charge-offs to loans | 1.2845% | 1,743 |
| Credit loss provision to net charge-offs | 99.0326% | 4,671 |
| Earnings coverage of net charge-offs (x) | 0.8545% | 5,279 |
| Efficiency ratio | 79.4474% | 2,489 |
| Assets per employee ($millions) | 4.2788% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 2,839 |
| Loan loss allowance to noncurrent loans | 114.2952% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 3.3322% | 2,119 |
| Noncurrent loans to loans | 1.5815% | 4,128 |
| Net loans and leases to total assets | 74.1534% | 1,628 |
| Net loans and leases to deposits | 84.9849% | 2,282 |
| Net loans and leases to core deposits | 91.4919% | 2,556 |
| Total domestic deposits to total assets | 87.2548% | 2,693 |
| Equity capital to assets | 8.5293% | 5,813 |
| Core capital (leverage) ratio | 8.2000% | 5,822 |
| Tier 1 risk-based capital ratio | 10.3504% | 6,792 |
| Total risk-based capital ratio | 11.6063% | 6,768 |
| Memoranda: | ||
| Average total assets | $253,757,200 | 2,508 |
| Average earning assets | $224,053,000 | 2,582 |
| Average equity | $22,075,000 | 2,867 |
| Average total loans | $193,148,000 | 2,217 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2946% | 514 |
| Cost of funding earning assets | 1.8472% | 1,226 |
| Net interest margin | 4.4474% | 1,381 |
| Noninterest income to average assets | 0.2256% | 6,283 |
| Noninterest expense to average assets | 3.1668% | 3,047 |
| Loan and lease loss provision to assets | 1.1660% | 1,237 |
| Net operating income to assets | -0.1900% | 6,310 |
| Return on assets (ROA) | -0.1900% | 6,375 |
| Pretax return on assets | -0.1705% | 6,294 |
| Return on Equity (ROE) | -2.1730% | 6,418 |
| Retained earnings to average equity (ytd only) | -2.1730% | 6,229 |
| Net charge-offs to loans | 1.5296% | 1,313 |
| Credit loss provision to net charge-offs | 99.9550% | 4,366 |
| Earnings coverage of net charge-offs (x) | 0.8534% | 5,197 |
| Efficiency ratio | 76.0842% | 2,937 |
| Assets per employee ($millions) | 4.3499% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8415% | 2,657 |
| Loan loss allowance to noncurrent loans | 175.6456% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 3.0385% | 2,388 |
| Noncurrent loans to loans | 1.0484% | 5,150 |
| Net loans and leases to total assets | 73.2915% | 1,955 |
| Net loans and leases to deposits | 85.9347% | 2,360 |
| Net loans and leases to core deposits | 92.4915% | 2,729 |
| Total domestic deposits to total assets | 85.2874% | 3,473 |
| Equity capital to assets | 8.6601% | 6,087 |
| Core capital (leverage) ratio | 8.2852% | 5,897 |
| Tier 1 risk-based capital ratio | 10.4967% | 6,780 |
| Total risk-based capital ratio | 11.7532% | 6,765 |
| Memoranda: | ||
| Average total assets | $254,084,750 | 2,545 |
| Average earning assets | $224,906,000 | 2,608 |
| Average equity | $22,210,750 | 2,899 |
| Average total loans | $193,774,000 | 2,253 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2937% | 521 |
| Cost of funding earning assets | 1.8754% | 1,320 |
| Net interest margin | 4.4183% | 1,400 |
| Noninterest income to average assets | 0.2379% | 6,202 |
| Noninterest expense to average assets | 3.1647% | 3,034 |
| Loan and lease loss provision to assets | 0.3337% | 3,733 |
| Net operating income to assets | 0.6447% | 3,648 |
| Return on assets (ROA) | 0.6447% | 3,803 |
| Pretax return on assets | 0.6636% | 4,357 |
| Return on Equity (ROE) | 7.3529% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.3529% | 1,692 |
| Net charge-offs to loans | 0.9623% | 1,918 |
| Credit loss provision to net charge-offs | 45.1647% | 5,519 |
| Earnings coverage of net charge-offs (x) | 1.3496% | 4,475 |
| Efficiency ratio | 76.0377% | 3,070 |
| Assets per employee ($millions) | 4.4213% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 3,822 |
| Loan loss allowance to noncurrent loans | 84.4724% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 2.2733% | 3,163 |
| Noncurrent loans to loans | 1.7979% | 4,003 |
| Net loans and leases to total assets | 76.0078% | 1,492 |
| Net loans and leases to deposits | 89.3962% | 1,949 |
| Net loans and leases to core deposits | 95.2000% | 2,556 |
| Total domestic deposits to total assets | 85.0235% | 3,612 |
| Equity capital to assets | 9.0499% | 5,368 |
| Core capital (leverage) ratio | 8.8078% | 4,901 |
| Tier 1 risk-based capital ratio | 10.8993% | 6,348 |
| Total risk-based capital ratio | 12.1524% | 6,329 |
| Memoranda: | ||
| Average total assets | $254,681,670 | 2,556 |
| Average earning assets | $226,193,330 | 2,616 |
| Average equity | $22,331,330 | 2,881 |
| Average total loans | $195,572,330 | 2,261 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2039% | 637 |
| Cost of funding earning assets | 1.9144% | 1,390 |
| Net interest margin | 4.2894% | 1,716 |
| Noninterest income to average assets | 0.1062% | 7,171 |
| Noninterest expense to average assets | 3.1639% | 3,000 |
| Loan and lease loss provision to assets | 0.3047% | 3,603 |
| Net operating income to assets | 0.4328% | 4,698 |
| Return on assets (ROA) | 0.4328% | 4,831 |
| Pretax return on assets | 0.4500% | 5,133 |
| Return on Equity (ROE) | 5.0150% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.0150% | 3,150 |
| Net charge-offs to loans | 1.1524% | 1,461 |
| Credit loss provision to net charge-offs | 34.5133% | 4,749 |
| Earnings coverage of net charge-offs (x) | 0.8549% | 4,282 |
| Efficiency ratio | 80.7416% | 2,449 |
| Assets per employee ($millions) | 4.6197% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 3,404 |
| Loan loss allowance to noncurrent loans | 61.6425% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 2.4893% | 2,917 |
| Noncurrent loans to loans | 2.6085% | 3,058 |
| Net loans and leases to total assets | 74.6583% | 1,814 |
| Net loans and leases to deposits | 88.5370% | 2,124 |
| Net loans and leases to core deposits | 89.2749% | 3,461 |
| Total domestic deposits to total assets | 84.3244% | 3,985 |
| Equity capital to assets | 8.7432% | 5,664 |
| Core capital (leverage) ratio | 8.3879% | 5,586 |
| Tier 1 risk-based capital ratio | 10.5662% | 6,572 |
| Total risk-based capital ratio | 11.8199% | 6,562 |
| Memoranda: | ||
| Average total assets | $256,015,000 | 2,594 |
| Average earning assets | $227,536,000 | 2,662 |
| Average equity | $22,093,500 | 2,933 |
| Average total loans | $196,106,000 | 2,318 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5505% | 606 |
| Cost of funding earning assets | 2.5945% | 792 |
| Net interest margin | 3.9559% | 3,051 |
| Noninterest income to average assets | 0.2798% | 6,104 |
| Noninterest expense to average assets | 3.2574% | 3,163 |
| Loan and lease loss provision to assets | 1.2135% | 1,894 |
| Net operating income to assets | -0.6605% | 6,322 |
| Return on assets (ROA) | -0.5224% | 6,198 |
| Pretax return on assets | -0.5224% | 6,026 |
| Return on Equity (ROE) | -6.2841% | 6,333 |
| Retained earnings to average equity (ytd only) | -11.9863% | 6,681 |
| Net charge-offs to loans | 1.2931% | 1,920 |
| Credit loss provision to net charge-offs | 118.7879% | 4,526 |
| Earnings coverage of net charge-offs (x) | 0.5413% | 5,572 |
| Efficiency ratio | 85.4880% | 2,172 |
| Assets per employee ($millions) | 4.3720% | 3,159 |
| Cash dividends to net income (ytd only)* | -90.7407% | 7,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 2,746 |
| Loan loss allowance to noncurrent loans | 46.6273% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 3.8353% | 1,736 |
| Noncurrent loans to loans | 3.7319% | 2,016 |
| Net loans and leases to total assets | 75.9644% | 1,808 |
| Net loans and leases to deposits | 90.7423% | 2,088 |
| Net loans and leases to core deposits | 128.9225% | 1,336 |
| Total domestic deposits to total assets | 83.7145% | 4,171 |
| Equity capital to assets | 8.5180% | 5,854 |
| Core capital (leverage) ratio | 8.2599% | 5,703 |
| Tier 1 risk-based capital ratio | 10.0920% | 6,793 |
| Total risk-based capital ratio | 11.3473% | 6,754 |
| Memoranda: | ||
| Average total assets | $258,426,400 | 2,538 |
| Average earning assets | $230,640,600 | 2,594 |
| Average equity | $21,482,800 | 3,015 |
| Average total loans | $204,154,400 | 2,264 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5797% | 638 |
| Cost of funding earning assets | 2.7633% | 657 |
| Net interest margin | 3.8164% | 3,587 |
| Noninterest income to average assets | 0.4523% | 4,885 |
| Noninterest expense to average assets | 3.2385% | 3,160 |
| Loan and lease loss provision to assets | 1.3779% | 1,393 |
| Net operating income to assets | -0.7601% | 6,657 |
| Return on assets (ROA) | -0.5760% | 6,499 |
| Pretax return on assets | -0.5637% | 6,361 |
| Return on Equity (ROE) | -6.9722% | 6,656 |
| Retained earnings to average equity (ytd only) | -14.6185% | 7,108 |
| Net charge-offs to loans | 1.6700% | 1,213 |
| Credit loss provision to net charge-offs | 103.8880% | 4,895 |
| Earnings coverage of net charge-offs (x) | 0.4751% | 5,556 |
| Efficiency ratio | 83.7110% | 2,326 |
| Assets per employee ($millions) | 4.4688% | 2,906 |
| Cash dividends to net income (ytd only)* | -109.6683% | 8,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 3,495 |
| Loan loss allowance to noncurrent loans | 72.6886% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 3.0922% | 2,221 |
| Noncurrent loans to loans | 2.0499% | 3,565 |
| Net loans and leases to total assets | 77.0784% | 1,774 |
| Net loans and leases to deposits | 91.9470% | 2,242 |
| Net loans and leases to core deposits | 132.1995% | 1,321 |
| Total domestic deposits to total assets | 83.8292% | 3,804 |
| Equity capital to assets | 8.4499% | 6,314 |
| Core capital (leverage) ratio | 8.2498% | 5,920 |
| Tier 1 risk-based capital ratio | 9.8702% | 7,081 |
| Total risk-based capital ratio | 11.1223% | 7,045 |
| Memoranda: | ||
| Average total assets | $258,546,250 | 2,542 |
| Average earning assets | $231,453,750 | 2,602 |
| Average equity | $21,360,500 | 3,051 |
| Average total loans | $205,338,500 | 2,272 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6266% | 627 |
| Cost of funding earning assets | 2.8679% | 656 |
| Net interest margin | 3.7587% | 3,720 |
| Noninterest income to average assets | 0.4291% | 5,041 |
| Noninterest expense to average assets | 3.3141% | 2,899 |
| Loan and lease loss provision to assets | 0.9220% | 1,829 |
| Net operating income to assets | -0.4524% | 6,497 |
| Return on assets (ROA) | -0.1744% | 6,169 |
| Pretax return on assets | -0.1643% | 6,077 |
| Return on Equity (ROE) | -2.1278% | 6,243 |
| Retained earnings to average equity (ytd only) | -7.5899% | 6,627 |
| Net charge-offs to loans | 1.4955% | 1,267 |
| Credit loss provision to net charge-offs | 77.2342% | 5,273 |
| Earnings coverage of net charge-offs (x) | 0.4018% | 5,289 |
| Efficiency ratio | 87.3563% | 2,089 |
| Assets per employee ($millions) | 4.2073% | 3,287 |
| Cash dividends to net income (ytd only)* | -256.6964% | 8,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 4,188 |
| Loan loss allowance to noncurrent loans | 57.7431% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 3.2471% | 1,925 |
| Noncurrent loans to loans | 2.2769% | 3,162 |
| Net loans and leases to total assets | 75.5361% | 2,302 |
| Net loans and leases to deposits | 92.9301% | 2,287 |
| Net loans and leases to core deposits | 129.3634% | 1,622 |
| Total domestic deposits to total assets | 81.2827% | 4,966 |
| Equity capital to assets | 7.7546% | 7,028 |
| Core capital (leverage) ratio | 7.5009% | 7,017 |
| Tier 1 risk-based capital ratio | 9.1412% | 7,621 |
| Total risk-based capital ratio | 10.3898% | 7,630 |
| Memoranda: | ||
| Average total assets | $256,841,670 | 2,567 |
| Average earning assets | $229,922,670 | 2,634 |
| Average equity | $21,054,330 | 3,094 |
| Average total loans | $205,018,330 | 2,294 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7133% | 568 |
| Cost of funding earning assets | 2.9341% | 709 |
| Net interest margin | 3.7792% | 3,540 |
| Noninterest income to average assets | 0.4301% | 4,960 |
| Noninterest expense to average assets | 3.2209% | 2,896 |
| Loan and lease loss provision to assets | 0.2496% | 3,971 |
| Net operating income to assets | 0.3218% | 5,207 |
| Return on assets (ROA) | 0.3218% | 5,378 |
| Pretax return on assets | 0.3359% | 5,575 |
| Return on Equity (ROE) | 3.8197% | 5,019 |
| Retained earnings to average equity (ytd only) | -0.8385% | 5,845 |
| Net charge-offs to loans | 0.3505% | 2,682 |
| Credit loss provision to net charge-offs | 87.3626% | 4,055 |
| Earnings coverage of net charge-offs (x) | 2.0495% | 3,699 |
| Efficiency ratio | 84.6186% | 2,238 |
| Assets per employee ($millions) | 4.2423% | 3,188 |
| Cash dividends to net income (ytd only)* | 121.9512% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 3,357 |
| Loan loss allowance to noncurrent loans | 50.5308% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 3.2958% | 1,663 |
| Noncurrent loans to loans | 2.8258% | 2,316 |
| Net loans and leases to total assets | 78.7217% | 1,640 |
| Net loans and leases to deposits | 97.4377% | 1,745 |
| Net loans and leases to core deposits | 134.0228% | 1,413 |
| Total domestic deposits to total assets | 80.7918% | 5,045 |
| Equity capital to assets | 8.2634% | 6,438 |
| Core capital (leverage) ratio | 7.9618% | 6,530 |
| Tier 1 risk-based capital ratio | 9.1432% | 7,710 |
| Total risk-based capital ratio | 10.3943% | 7,710 |
| Memoranda: | ||
| Average total assets | $254,837,500 | 2,593 |
| Average earning assets | $227,668,000 | 2,667 |
| Average equity | $21,467,500 | 3,049 |
| Average total loans | $207,697,000 | 2,294 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1442% | 826 |
| Cost of funding earning assets | 3.3073% | 902 |
| Net interest margin | 3.8369% | 3,856 |
| Noninterest income to average assets | 0.4751% | 4,837 |
| Noninterest expense to average assets | 3.2681% | 3,082 |
| Loan and lease loss provision to assets | 0.2707% | 4,228 |
| Net operating income to assets | 0.3814% | 5,221 |
| Return on assets (ROA) | 0.3925% | 4,998 |
| Pretax return on assets | 0.4142% | 5,219 |
| Return on Equity (ROE) | 4.5117% | 4,597 |
| Retained earnings to average equity (ytd only) | 1.1555% | 4,536 |
| Net charge-offs to loans | 0.2848% | 3,502 |
| Credit loss provision to net charge-offs | 114.8673% | 4,699 |
| Earnings coverage of net charge-offs (x) | 2.8566% | 4,646 |
| Efficiency ratio | 82.9188% | 2,193 |
| Assets per employee ($millions) | 3.8599% | 3,832 |
| Cash dividends to net income (ytd only)* | 74.3889% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 3,054 |
| Loan loss allowance to noncurrent loans | 71.5764% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 2.0534% | 2,392 |
| Noncurrent loans to loans | 1.9906% | 2,774 |
| Net loans and leases to total assets | 82.0076% | 1,231 |
| Net loans and leases to deposits | 100.5635% | 1,778 |
| Net loans and leases to core deposits | 136.4374% | 1,467 |
| Total domestic deposits to total assets | 81.5481% | 4,390 |
| Equity capital to assets | 8.5896% | 5,953 |
| Core capital (leverage) ratio | 7.8289% | 6,754 |
| Tier 1 risk-based capital ratio | 9.0090% | 7,772 |
| Total risk-based capital ratio | 10.2599% | 7,768 |
| Memoranda: | ||
| Average total assets | $239,744,200 | 2,656 |
| Average earning assets | $216,582,200 | 2,695 |
| Average equity | $20,856,800 | 3,116 |
| Average total loans | $198,382,200 | 2,314 |