Home > Bank North > Performance and Condition Ratios
Bank North, Performance and Condition Ratios
| 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 | 1.8012% | 6,516 |
| Cost of funding earning assets | 0.1469% | 6,201 |
| Net interest margin | 1.6544% | 6,500 |
| Noninterest income to average assets | 0.0497% | 6,386 |
| Noninterest expense to average assets | 1.5494% | 6,324 |
| Loan and lease loss provision to assets | 0.1524% | 1,630 |
| Net operating income to assets | -0.0821% | 6,208 |
| Return on assets (ROA) | 0.0259% | 6,136 |
| Pretax return on assets | 0.0259% | 6,126 |
| Return on Equity (ROE) | 0.2385% | 6,132 |
| Retained earnings to average equity (ytd only) | 0.2385% | 5,736 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1281% | 700 |
| Assets per employee ($millions) | 2.9841% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1768% | 6,501 |
| Loan loss allowance to noncurrent loans | 4.6360% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 2.6172% | 984 |
| Noncurrent loans to loans | 3.8127% | 587 |
| Net loans and leases to total assets | 67.1852% | 2,660 |
| Net loans and leases to deposits | 79.6439% | 2,751 |
| Net loans and leases to core deposits | 86.0452% | 2,660 |
| Total domestic deposits to total assets | 84.3571% | 3,614 |
| Equity capital to assets | 11.0217% | 2,936 |
| Core capital (leverage) ratio | 8.3830% | 5,775 |
| Tier 1 risk-based capital ratio | 14.1291% | 4,123 |
| Total risk-based capital ratio | 14.3289% | 4,740 |
| Memoranda: | ||
| Average total assets | $123,396,500 | 4,148 |
| Average earning assets | $117,101,500 | 4,055 |
| Average equity | $13,417,500 | 4,148 |
| Average total loans | $81,482,250 | 3,860 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4463% | 6,638 |
| Cost of funding earning assets | 0.0269% | 6,608 |
| Net interest margin | 0.4193% | 6,636 |
| Noninterest income to average assets | 0.0449% | 6,455 |
| Noninterest expense to average assets | 0.6894% | 6,624 |
| Loan and lease loss provision to assets | 0.0561% | 3,174 |
| Net operating income to assets | -0.3014% | 6,374 |
| Return on assets (ROA) | -0.3014% | 6,382 |
| Pretax return on assets | -0.3014% | 6,364 |
| Return on Equity (ROE) | -2.7842% | 6,367 |
| Retained earnings to average equity (ytd only) | -2.7842% | 6,075 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.5415% | 53 |
| Assets per employee ($millions) | 2.9625% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0434% | 6,595 |
| Loan loss allowance to noncurrent loans | 2.0000% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 1.4555% | 2,240 |
| Noncurrent loans to loans | 2.1715% | 1,519 |
| Net loans and leases to total assets | 64.7429% | 2,954 |
| Net loans and leases to deposits | 76.9403% | 2,939 |
| Net loans and leases to core deposits | 82.4615% | 2,917 |
| Total domestic deposits to total assets | 84.1468% | 3,875 |
| Equity capital to assets | 10.5182% | 3,421 |
| Core capital (leverage) ratio | 8.0980% | 6,022 |
| Tier 1 risk-based capital ratio | 13.4795% | 4,597 |
| Total risk-based capital ratio | 13.5277% | 5,291 |
| Memoranda: | ||
| Average total assets | $124,740,670 | 4,139 |
| Average earning assets | $118,757,330 | 4,041 |
| Average equity | $13,504,670 | 4,130 |
| Average total loans | $81,864,000 | 3,854 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1828% | 2,938 |
| Cost of funding earning assets | 0.4929% | 2,982 |
| Net interest margin | 3.6899% | 2,905 |
| Noninterest income to average assets | 0.3875% | 4,293 |
| Noninterest expense to average assets | 2.8951% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7558% | 3,383 |
| Return on assets (ROA) | 0.7558% | 3,470 |
| Pretax return on assets | 1.0408% | 3,161 |
| Return on Equity (ROE) | 6.8837% | 3,537 |
| Retained earnings to average equity (ytd only) | 1.2251% | 5,119 |
| Net charge-offs to loans | 0.0048% | 3,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 325.0000% | 147 |
| Efficiency ratio | 73.5557% | 3,220 |
| Assets per employee ($millions) | 2.9509% | 5,911 |
| Cash dividends to net income (ytd only)* | 82.2034% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8038% | 2,027 |
| Loan loss allowance to noncurrent loans | 82.0527% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.5411% | 2,295 |
| Noncurrent loans to loans | 2.1984% | 1,656 |
| Net loans and leases to total assets | 64.2601% | 2,848 |
| Net loans and leases to deposits | 75.9754% | 2,813 |
| Net loans and leases to core deposits | 83.3128% | 2,600 |
| Total domestic deposits to total assets | 84.5801% | 4,052 |
| Equity capital to assets | 11.1524% | 2,572 |
| Core capital (leverage) ratio | 10.9004% | 2,489 |
| Tier 1 risk-based capital ratio | 18.8314% | 2,019 |
| Total risk-based capital ratio | 20.0900% | 1,974 |
| Memoranda: | ||
| Average total assets | $124,899,500 | 4,168 |
| Average earning assets | $120,112,000 | 4,036 |
| Average equity | $13,713,500 | 4,103 |
| Average total loans | $82,501,000 | 3,873 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 2,482 |
| Cost of funding earning assets | 0.5387% | 3,207 |
| Net interest margin | 3.8878% | 2,334 |
| Noninterest income to average assets | 0.3916% | 4,509 |
| Noninterest expense to average assets | 2.9939% | 3,076 |
| Loan and lease loss provision to assets | 0.1485% | 2,424 |
| Net operating income to assets | 0.7064% | 3,769 |
| Return on assets (ROA) | 0.7214% | 3,783 |
| Pretax return on assets | 1.0054% | 3,330 |
| Return on Equity (ROE) | 6.5332% | 3,812 |
| Retained earnings to average equity (ytd only) | 2.9505% | 4,144 |
| Net charge-offs to loans | 0.1883% | 2,956 |
| Credit loss provision to net charge-offs | 118.5897% | 2,020 |
| Earnings coverage of net charge-offs (x) | 9.0513% | 2,564 |
| Efficiency ratio | 72.5452% | 3,378 |
| Assets per employee ($millions) | 2.9270% | 5,948 |
| Cash dividends to net income (ytd only)* | 54.8387% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 2,256 |
| Loan loss allowance to noncurrent loans | 93.2484% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.3483% | 2,732 |
| Noncurrent loans to loans | 1.8713% | 2,147 |
| Net loans and leases to total assets | 65.4947% | 2,773 |
| Net loans and leases to deposits | 80.1566% | 2,438 |
| Net loans and leases to core deposits | 89.2547% | 2,113 |
| Total domestic deposits to total assets | 81.7085% | 4,968 |
| Equity capital to assets | 10.8095% | 2,808 |
| Core capital (leverage) ratio | 10.9410% | 2,444 |
| Tier 1 risk-based capital ratio | 18.1935% | 2,186 |
| Total risk-based capital ratio | 19.4516% | 2,140 |
| Memoranda: | ||
| Average total assets | $124,621,000 | 4,167 |
| Average earning assets | $119,734,600 | 4,056 |
| Average equity | $13,760,400 | 4,112 |
| Average total loans | $82,837,400 | 3,855 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 2,465 |
| Cost of funding earning assets | 0.5552% | 3,211 |
| Net interest margin | 3.8830% | 2,336 |
| Noninterest income to average assets | 0.3786% | 4,685 |
| Noninterest expense to average assets | 3.0943% | 2,674 |
| Loan and lease loss provision to assets | 0.1555% | 2,317 |
| Net operating income to assets | 0.6243% | 4,246 |
| Return on assets (ROA) | 0.6446% | 4,271 |
| Pretax return on assets | 0.8849% | 3,946 |
| Return on Equity (ROE) | 5.8069% | 4,283 |
| Retained earnings to average equity (ytd only) | 2.3962% | 4,901 |
| Net charge-offs to loans | 0.0436% | 4,286 |
| Credit loss provision to net charge-offs | 537.0370% | 526 |
| Earnings coverage of net charge-offs (x) | 34.9622% | 1,102 |
| Efficiency ratio | 75.3460% | 2,840 |
| Assets per employee ($millions) | 2.8389% | 6,095 |
| Cash dividends to net income (ytd only)* | 58.7351% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8623% | 2,108 |
| Loan loss allowance to noncurrent loans | 76.0157% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.7813% | 2,301 |
| Noncurrent loans to loans | 2.4499% | 1,780 |
| Net loans and leases to total assets | 65.5173% | 2,716 |
| Net loans and leases to deposits | 80.5153% | 2,338 |
| Net loans and leases to core deposits | 85.3744% | 2,483 |
| Total domestic deposits to total assets | 81.3725% | 5,116 |
| Equity capital to assets | 10.8228% | 2,934 |
| Core capital (leverage) ratio | 10.8912% | 2,576 |
| Tier 1 risk-based capital ratio | 18.3909% | 2,177 |
| Total risk-based capital ratio | 19.6516% | 2,142 |
| Memoranda: | ||
| Average total assets | $124,310,750 | 4,219 |
| Average earning assets | $119,354,750 | 4,106 |
| Average equity | $13,799,250 | 4,151 |
| Average total loans | $82,572,500 | 3,893 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 2,458 |
| Cost of funding earning assets | 0.5819% | 3,104 |
| Net interest margin | 3.8483% | 2,383 |
| Noninterest income to average assets | 0.3900% | 4,594 |
| Noninterest expense to average assets | 3.0956% | 2,668 |
| Loan and lease loss provision to assets | 0.1853% | 2,038 |
| Net operating income to assets | 0.5898% | 4,343 |
| Return on assets (ROA) | 0.6204% | 4,356 |
| Pretax return on assets | 0.8492% | 4,118 |
| Return on Equity (ROE) | 5.5425% | 4,432 |
| Retained earnings to average equity (ytd only) | 2.2746% | 4,832 |
| Net charge-offs to loans | 0.0049% | 4,809 |
| Credit loss provision to net charge-offs | 5,750.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 308.0000% | 164 |
| Efficiency ratio | 75.7194% | 2,826 |
| Assets per employee ($millions) | 2.9070% | 6,012 |
| Cash dividends to net income (ytd only)* | 58.9610% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8823% | 2,165 |
| Loan loss allowance to noncurrent loans | 77.9456% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.7016% | 2,557 |
| Noncurrent loans to loans | 2.4149% | 1,941 |
| Net loans and leases to total assets | 64.5515% | 2,830 |
| Net loans and leases to deposits | 80.0655% | 2,309 |
| Net loans and leases to core deposits | 85.3438% | 2,399 |
| Total domestic deposits to total assets | 80.6234% | 5,446 |
| Equity capital to assets | 10.9631% | 2,787 |
| Core capital (leverage) ratio | 10.8420% | 2,509 |
| Tier 1 risk-based capital ratio | 18.2689% | 2,222 |
| Total risk-based capital ratio | 19.5322% | 2,182 |
| Memoranda: | ||
| Average total assets | $124,110,330 | 4,255 |
| Average earning assets | $119,273,000 | 4,134 |
| Average equity | $13,892,670 | 4,167 |
| Average total loans | $82,299,330 | 3,920 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 2,306 |
| Cost of funding earning assets | 0.6029% | 3,084 |
| Net interest margin | 3.8596% | 2,247 |
| Noninterest income to average assets | 0.3105% | 5,207 |
| Noninterest expense to average assets | 3.0114% | 2,954 |
| Loan and lease loss provision to assets | 0.1779% | 2,089 |
| Net operating income to assets | 0.6081% | 4,175 |
| Return on assets (ROA) | 0.6081% | 4,334 |
| Pretax return on assets | 0.8280% | 4,050 |
| Return on Equity (ROE) | 5.3764% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.0591% | 4,972 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9597% | 3,105 |
| Assets per employee ($millions) | 2.7632% | 6,338 |
| Cash dividends to net income (ytd only)* | 61.7021% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 2,496 |
| Loan loss allowance to noncurrent loans | 91.2990% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.4234% | 3,132 |
| Noncurrent loans to loans | 2.0111% | 2,606 |
| Net loans and leases to total assets | 64.0640% | 2,698 |
| Net loans and leases to deposits | 75.8828% | 2,656 |
| Net loans and leases to core deposits | 81.9440% | 2,577 |
| Total domestic deposits to total assets | 84.4249% | 4,302 |
| Equity capital to assets | 11.2493% | 2,677 |
| Core capital (leverage) ratio | 10.6081% | 2,644 |
| Tier 1 risk-based capital ratio | 18.5389% | 2,173 |
| Total risk-based capital ratio | 19.7988% | 2,142 |
| Memoranda: | ||
| Average total assets | $123,665,000 | 4,313 |
| Average earning assets | $118,769,000 | 4,181 |
| Average equity | $13,987,000 | 4,201 |
| Average total loans | $82,330,000 | 3,946 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 2,348 |
| Cost of funding earning assets | 0.6564% | 3,860 |
| Net interest margin | 4.1066% | 1,977 |
| Noninterest income to average assets | 0.3368% | 5,050 |
| Noninterest expense to average assets | 3.0811% | 2,980 |
| Loan and lease loss provision to assets | 0.2146% | 2,995 |
| Net operating income to assets | 0.7026% | 3,724 |
| Return on assets (ROA) | 0.7044% | 3,970 |
| Pretax return on assets | 0.9771% | 3,632 |
| Return on Equity (ROE) | 6.0972% | 4,119 |
| Retained earnings to average equity (ytd only) | 1.6773% | 5,019 |
| Net charge-offs to loans | 0.2371% | 3,518 |
| Credit loss provision to net charge-offs | 132.9897% | 2,107 |
| Earnings coverage of net charge-offs (x) | 7.3711% | 2,625 |
| Efficiency ratio | 72.1519% | 3,390 |
| Assets per employee ($millions) | 2.8601% | 6,228 |
| Cash dividends to net income (ytd only)* | 72.4911% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7184% | 2,866 |
| Loan loss allowance to noncurrent loans | 169.4215% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 4,425 |
| Noncurrent loans to loans | 1.0143% | 4,170 |
| Net loans and leases to total assets | 66.7355% | 2,416 |
| Net loans and leases to deposits | 79.7416% | 2,322 |
| Net loans and leases to core deposits | 86.7498% | 2,222 |
| Total domestic deposits to total assets | 83.6897% | 4,452 |
| Equity capital to assets | 11.3722% | 2,565 |
| Core capital (leverage) ratio | 11.0795% | 2,185 |
| Tier 1 risk-based capital ratio | 18.1675% | 2,200 |
| Total risk-based capital ratio | 19.4256% | 2,162 |
| Memoranda: | ||
| Average total assets | $120,248,600 | 4,355 |
| Average earning assets | $115,181,600 | 4,227 |
| Average equity | $13,891,600 | 4,181 |
| Average total loans | $81,813,200 | 3,978 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 2,482 |
| Cost of funding earning assets | 0.6621% | 4,084 |
| Net interest margin | 4.1132% | 2,044 |
| Noninterest income to average assets | 0.2587% | 5,714 |
| Noninterest expense to average assets | 3.0086% | 3,202 |
| Loan and lease loss provision to assets | 0.1539% | 3,604 |
| Net operating income to assets | 0.7358% | 3,752 |
| Return on assets (ROA) | 0.7382% | 3,996 |
| Pretax return on assets | 1.0415% | 3,561 |
| Return on Equity (ROE) | 6.3646% | 4,131 |
| Retained earnings to average equity (ytd only) | 2.0767% | 5,286 |
| Net charge-offs to loans | 0.0934% | 4,444 |
| Credit loss provision to net charge-offs | 242.1053% | 1,145 |
| Earnings coverage of net charge-offs (x) | 18.7539% | 1,535 |
| Efficiency ratio | 71.6220% | 3,394 |
| Assets per employee ($millions) | 2.9410% | 6,148 |
| Cash dividends to net income (ytd only)* | 67.3717% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 2,916 |
| Loan loss allowance to noncurrent loans | 125.8232% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 4,191 |
| Noncurrent loans to loans | 1.4029% | 3,695 |
| Net loans and leases to total assets | 67.0153% | 2,453 |
| Net loans and leases to deposits | 80.0287% | 2,386 |
| Net loans and leases to core deposits | 87.2762% | 2,307 |
| Total domestic deposits to total assets | 83.7390% | 4,341 |
| Equity capital to assets | 11.6169% | 2,629 |
| Core capital (leverage) ratio | 10.8824% | 2,507 |
| Tier 1 risk-based capital ratio | 18.4910% | 2,172 |
| Total risk-based capital ratio | 19.7497% | 2,133 |
| Memoranda: | ||
| Average total assets | $119,564,750 | 4,409 |
| Average earning assets | $114,588,500 | 4,277 |
| Average equity | $13,868,000 | 4,221 |
| Average total loans | $81,389,250 | 4,039 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 2,672 |
| Cost of funding earning assets | 0.6559% | 4,391 |
| Net interest margin | 4.1057% | 2,069 |
| Noninterest income to average assets | 0.2969% | 5,430 |
| Noninterest expense to average assets | 3.0665% | 3,027 |
| Loan and lease loss provision to assets | 0.0889% | 4,458 |
| Net operating income to assets | 0.7582% | 3,560 |
| Return on assets (ROA) | 0.7582% | 3,834 |
| Pretax return on assets | 1.0686% | 3,430 |
| Return on Equity (ROE) | 6.5406% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.4600% | 4,959 |
| Net charge-offs to loans | 0.0197% | 5,135 |
| Credit loss provision to net charge-offs | 662.5000% | 486 |
| Earnings coverage of net charge-offs (x) | 86.2500% | 476 |
| Efficiency ratio | 72.5973% | 3,322 |
| Assets per employee ($millions) | 3.2216% | 5,605 |
| Cash dividends to net income (ytd only)* | 62.3894% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 3,221 |
| Loan loss allowance to noncurrent loans | 122.3855% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0268% | 4,329 |
| Noncurrent loans to loans | 1.3903% | 3,836 |
| Net loans and leases to total assets | 66.8230% | 2,501 |
| Net loans and leases to deposits | 81.3116% | 2,192 |
| Net loans and leases to core deposits | 90.0560% | 1,977 |
| Total domestic deposits to total assets | 82.1813% | 5,061 |
| Equity capital to assets | 11.3885% | 2,703 |
| Core capital (leverage) ratio | 11.0287% | 2,266 |
| Tier 1 risk-based capital ratio | 18.0952% | 2,264 |
| Total risk-based capital ratio | 19.3542% | 2,232 |
| Memoranda: | ||
| Average total assets | $119,225,330 | 4,440 |
| Average earning assets | $114,036,670 | 4,307 |
| Average equity | $13,821,330 | 4,228 |
| Average total loans | $81,098,670 | 4,072 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 2,493 |
| Cost of funding earning assets | 0.6683% | 4,553 |
| Net interest margin | 4.1698% | 1,852 |
| Noninterest income to average assets | 0.2380% | 5,931 |
| Noninterest expense to average assets | 3.0775% | 2,992 |
| Loan and lease loss provision to assets | 0.0340% | 4,954 |
| Net operating income to assets | 0.7923% | 3,413 |
| Return on assets (ROA) | 0.7923% | 3,657 |
| Pretax return on assets | 1.1154% | 3,263 |
| Return on Equity (ROE) | 6.7728% | 3,905 |
| Retained earnings to average equity (ytd only) | 3.4300% | 4,517 |
| Net charge-offs to loans | 0.0650% | 3,842 |
| Credit loss provision to net charge-offs | 76.9231% | 2,780 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,013 |
| Efficiency ratio | 72.8077% | 3,288 |
| Assets per employee ($millions) | 2.8926% | 6,360 |
| Cash dividends to net income (ytd only)* | 49.3562% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 3,319 |
| Loan loss allowance to noncurrent loans | 103.0120% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.4655% | 3,663 |
| Noncurrent loans to loans | 1.6583% | 3,613 |
| Net loans and leases to total assets | 66.3713% | 2,397 |
| Net loans and leases to deposits | 79.6965% | 2,244 |
| Net loans and leases to core deposits | 86.2041% | 2,269 |
| Total domestic deposits to total assets | 83.2801% | 4,822 |
| Equity capital to assets | 11.6354% | 2,314 |
| Core capital (leverage) ratio | 11.0336% | 2,235 |
| Tier 1 risk-based capital ratio | 18.6037% | 2,110 |
| Total risk-based capital ratio | 19.8625% | 2,074 |
| Memoranda: | ||
| Average total assets | $117,627,000 | 4,503 |
| Average earning assets | $112,522,500 | 4,366 |
| Average equity | $13,761,000 | 4,243 |
| Average total loans | $80,037,000 | 4,123 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9775% | 2,983 |
| Cost of funding earning assets | 0.7464% | 5,236 |
| Net interest margin | 4.2312% | 1,960 |
| Noninterest income to average assets | 0.3115% | 5,314 |
| Noninterest expense to average assets | 3.2883% | 2,555 |
| Loan and lease loss provision to assets | 0.1712% | 4,493 |
| Net operating income to assets | 0.6496% | 3,738 |
| Return on assets (ROA) | 0.6496% | 3,935 |
| Pretax return on assets | 0.8841% | 3,663 |
| Return on Equity (ROE) | 5.6327% | 4,065 |
| Retained earnings to average equity (ytd only) | 2.7310% | 4,292 |
| Net charge-offs to loans | 0.1915% | 4,612 |
| Credit loss provision to net charge-offs | 131.5789% | 2,319 |
| Earnings coverage of net charge-offs (x) | 8.1118% | 2,211 |
| Efficiency ratio | 75.7044% | 2,932 |
| Assets per employee ($millions) | 2.8453% | 6,388 |
| Cash dividends to net income (ytd only)* | 51.5152% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7139% | 3,150 |
| Loan loss allowance to noncurrent loans | 179.4503% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0406% | 4,526 |
| Noncurrent loans to loans | 0.9551% | 4,792 |
| Net loans and leases to total assets | 67.3947% | 2,504 |
| Net loans and leases to deposits | 83.4451% | 1,999 |
| Net loans and leases to core deposits | 90.1928% | 2,103 |
| Total domestic deposits to total assets | 80.7653% | 5,521 |
| Equity capital to assets | 11.7633% | 2,295 |
| Core capital (leverage) ratio | 11.2381% | 2,093 |
| Tier 1 risk-based capital ratio | 18.4801% | 2,052 |
| Total risk-based capital ratio | 19.7390% | 2,016 |
| Memoranda: | ||
| Average total assets | $116,840,000 | 4,483 |
| Average earning assets | $111,340,600 | 4,361 |
| Average equity | $13,474,800 | 4,244 |
| Average total loans | $79,384,800 | 4,159 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 3,089 |
| Cost of funding earning assets | 0.7737% | 5,314 |
| Net interest margin | 4.2255% | 2,002 |
| Noninterest income to average assets | 0.3456% | 5,097 |
| Noninterest expense to average assets | 3.3206% | 2,433 |
| Loan and lease loss provision to assets | 0.2076% | 3,938 |
| Net operating income to assets | 0.6274% | 3,983 |
| Return on assets (ROA) | 0.6274% | 4,161 |
| Pretax return on assets | 0.8418% | 3,976 |
| Return on Equity (ROE) | 5.4673% | 4,300 |
| Retained earnings to average equity (ytd only) | 3.7575% | 4,073 |
| Net charge-offs to loans | 0.1868% | 4,305 |
| Credit loss provision to net charge-offs | 163.9640% | 1,861 |
| Earnings coverage of net charge-offs (x) | 8.2881% | 2,204 |
| Efficiency ratio | 75.9854% | 2,839 |
| Assets per employee ($millions) | 3.0466% | 6,015 |
| Cash dividends to net income (ytd only)* | 31.2728% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 3,098 |
| Loan loss allowance to noncurrent loans | 178.2609% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 1.0680% | 4,638 |
| Noncurrent loans to loans | 0.9827% | 4,925 |
| Net loans and leases to total assets | 65.8026% | 2,947 |
| Net loans and leases to deposits | 80.2294% | 2,621 |
| Net loans and leases to core deposits | 86.4794% | 2,710 |
| Total domestic deposits to total assets | 82.0180% | 5,081 |
| Equity capital to assets | 11.5891% | 2,600 |
| Core capital (leverage) ratio | 11.1490% | 2,282 |
| Tier 1 risk-based capital ratio | 18.3729% | 2,127 |
| Total risk-based capital ratio | 19.6319% | 2,088 |
| Memoranda: | ||
| Average total assets | $116,885,250 | 4,507 |
| Average earning assets | $111,321,250 | 4,380 |
| Average equity | $13,412,750 | 4,265 |
| Average total loans | $79,232,750 | 4,200 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 3,065 |
| Cost of funding earning assets | 0.8158% | 5,269 |
| Net interest margin | 4.2038% | 2,021 |
| Noninterest income to average assets | 0.3785% | 4,861 |
| Noninterest expense to average assets | 3.3000% | 2,564 |
| Loan and lease loss provision to assets | 0.2478% | 3,432 |
| Net operating income to assets | 0.6246% | 3,940 |
| Return on assets (ROA) | 0.6246% | 4,068 |
| Pretax return on assets | 0.8293% | 3,912 |
| Return on Equity (ROE) | 5.4612% | 4,231 |
| Retained earnings to average equity (ytd only) | 4.3780% | 3,406 |
| Net charge-offs to loans | 0.2578% | 3,597 |
| Credit loss provision to net charge-offs | 141.1765% | 2,159 |
| Earnings coverage of net charge-offs (x) | 6.1373% | 2,458 |
| Efficiency ratio | 75.3931% | 3,123 |
| Assets per employee ($millions) | 2.8140% | 6,452 |
| Cash dividends to net income (ytd only)* | 19.8347% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7281% | 3,236 |
| Loan loss allowance to noncurrent loans | 159.6491% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 1.1510% | 4,585 |
| Noncurrent loans to loans | 1.0824% | 4,858 |
| Net loans and leases to total assets | 67.2783% | 2,769 |
| Net loans and leases to deposits | 82.7696% | 2,322 |
| Net loans and leases to core deposits | 90.3717% | 2,325 |
| Total domestic deposits to total assets | 81.2838% | 5,429 |
| Equity capital to assets | 11.7607% | 2,276 |
| Core capital (leverage) ratio | 11.3352% | 2,025 |
| Tier 1 risk-based capital ratio | 18.2246% | 2,097 |
| Total risk-based capital ratio | 19.4832% | 2,054 |
| Memoranda: | ||
| Average total assets | $116,240,670 | 4,553 |
| Average earning assets | $110,566,330 | 4,427 |
| Average equity | $13,293,670 | 4,277 |
| Average total loans | $79,117,000 | 4,252 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0406% | 2,905 |
| Cost of funding earning assets | 0.8948% | 4,961 |
| Net interest margin | 4.1458% | 2,094 |
| Noninterest income to average assets | 0.3634% | 5,003 |
| Noninterest expense to average assets | 3.2947% | 2,573 |
| Loan and lease loss provision to assets | 0.2057% | 3,583 |
| Net operating income to assets | 0.6171% | 3,950 |
| Return on assets (ROA) | 0.6171% | 4,016 |
| Pretax return on assets | 0.8022% | 3,895 |
| Return on Equity (ROE) | 5.4728% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.4728% | 2,922 |
| Net charge-offs to loans | 0.5153% | 2,193 |
| Credit loss provision to net charge-offs | 58.8235% | 3,563 |
| Earnings coverage of net charge-offs (x) | 2.8824% | 2,933 |
| Efficiency ratio | 76.5737% | 3,057 |
| Assets per employee ($millions) | 2.7395% | 6,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 3,538 |
| Loan loss allowance to noncurrent loans | 631.0345% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 5,653 |
| Noncurrent loans to loans | 0.2610% | 6,466 |
| Net loans and leases to total assets | 66.4752% | 2,884 |
| Net loans and leases to deposits | 77.9854% | 3,063 |
| Net loans and leases to core deposits | 85.4113% | 2,973 |
| Total domestic deposits to total assets | 85.2405% | 3,930 |
| Equity capital to assets | 11.5342% | 2,235 |
| Core capital (leverage) ratio | 10.8284% | 2,334 |
| Tier 1 risk-based capital ratio | 18.0414% | 2,099 |
| Total risk-based capital ratio | 19.2979% | 2,065 |
| Memoranda: | ||
| Average total assets | $116,673,000 | 4,572 |
| Average earning assets | $110,859,000 | 4,443 |
| Average equity | $13,156,000 | 4,303 |
| Average total loans | $79,181,500 | 4,286 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2707% | 3,268 |
| Cost of funding earning assets | 1.0587% | 5,379 |
| Net interest margin | 4.2120% | 2,138 |
| Noninterest income to average assets | 0.3117% | 5,568 |
| Noninterest expense to average assets | 3.1414% | 3,307 |
| Loan and lease loss provision to assets | 0.6260% | 2,627 |
| Net operating income to assets | 0.5209% | 3,999 |
| Return on assets (ROA) | 0.5209% | 4,155 |
| Pretax return on assets | 0.5468% | 4,486 |
| Return on Equity (ROE) | 4.8230% | 4,148 |
| Retained earnings to average equity (ytd only) | 4.1825% | 2,914 |
| Net charge-offs to loans | 0.7097% | 2,885 |
| Credit loss provision to net charge-offs | 129.2599% | 3,084 |
| Earnings coverage of net charge-offs (x) | 2.4217% | 3,920 |
| Efficiency ratio | 72.8168% | 3,635 |
| Assets per employee ($millions) | 2.8851% | 6,362 |
| Cash dividends to net income (ytd only)* | 13.2800% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 3,422 |
| Loan loss allowance to noncurrent loans | 250.5682% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 5,332 |
| Noncurrent loans to loans | 0.6551% | 5,745 |
| Net loans and leases to total assets | 67.0178% | 3,220 |
| Net loans and leases to deposits | 81.2150% | 2,950 |
| Net loans and leases to core deposits | 87.9923% | 3,051 |
| Total domestic deposits to total assets | 82.5189% | 5,013 |
| Equity capital to assets | 11.0248% | 2,659 |
| Core capital (leverage) ratio | 10.7971% | 2,311 |
| Tier 1 risk-based capital ratio | 17.1039% | 2,315 |
| Total risk-based capital ratio | 18.3602% | 2,280 |
| Memoranda: | ||
| Average total assets | $119,977,400 | 4,485 |
| Average earning assets | $114,007,200 | 4,377 |
| Average equity | $12,958,800 | 4,370 |
| Average total loans | $81,870,400 | 4,286 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2884% | 3,403 |
| Cost of funding earning assets | 1.0965% | 5,440 |
| Net interest margin | 4.1919% | 2,247 |
| Noninterest income to average assets | 0.3677% | 5,212 |
| Noninterest expense to average assets | 3.1561% | 3,085 |
| Loan and lease loss provision to assets | 0.6013% | 2,539 |
| Net operating income to assets | 0.5725% | 3,993 |
| Return on assets (ROA) | 0.5725% | 4,160 |
| Pretax return on assets | 0.6024% | 4,587 |
| Return on Equity (ROE) | 5.3278% | 4,123 |
| Retained earnings to average equity (ytd only) | 4.4724% | 3,364 |
| Net charge-offs to loans | 0.4834% | 3,342 |
| Credit loss provision to net charge-offs | 182.2148% | 2,000 |
| Earnings coverage of net charge-offs (x) | 3.6477% | 3,358 |
| Efficiency ratio | 72.3901% | 3,629 |
| Assets per employee ($millions) | 2.2675% | 7,334 |
| Cash dividends to net income (ytd only)* | 16.0535% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 2,980 |
| Loan loss allowance to noncurrent loans | 128.6109% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 1.2789% | 4,586 |
| Noncurrent loans to loans | 1.3617% | 4,588 |
| Net loans and leases to total assets | 65.2588% | 3,850 |
| Net loans and leases to deposits | 77.5225% | 3,917 |
| Net loans and leases to core deposits | 82.1021% | 4,232 |
| Total domestic deposits to total assets | 84.1804% | 4,016 |
| Equity capital to assets | 11.0060% | 2,956 |
| Core capital (leverage) ratio | 10.6160% | 2,586 |
| Tier 1 risk-based capital ratio | 16.9571% | 2,353 |
| Total risk-based capital ratio | 18.2146% | 2,313 |
| Memoranda: | ||
| Average total assets | $120,399,750 | 4,533 |
| Average earning assets | $114,663,000 | 4,412 |
| Average equity | $12,938,250 | 4,451 |
| Average total loans | $82,188,750 | 4,342 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3220% | 3,360 |
| Cost of funding earning assets | 1.1383% | 5,471 |
| Net interest margin | 4.1837% | 2,206 |
| Noninterest income to average assets | 0.3519% | 5,331 |
| Noninterest expense to average assets | 3.0795% | 3,395 |
| Loan and lease loss provision to assets | 0.7271% | 2,006 |
| Net operating income to assets | 0.5711% | 3,987 |
| Return on assets (ROA) | 0.5711% | 4,135 |
| Pretax return on assets | 0.5296% | 4,812 |
| Return on Equity (ROE) | 5.3574% | 4,107 |
| Retained earnings to average equity (ytd only) | 4.0648% | 3,495 |
| Net charge-offs to loans | 0.6291% | 2,654 |
| Credit loss provision to net charge-offs | 167.8161% | 2,342 |
| Earnings coverage of net charge-offs (x) | 2.9004% | 3,545 |
| Efficiency ratio | 71.0184% | 3,982 |
| Assets per employee ($millions) | 2.7423% | 6,706 |
| Cash dividends to net income (ytd only)* | 24.1279% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 3,354 |
| Loan loss allowance to noncurrent loans | 72.6379% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.9599% | 3,542 |
| Noncurrent loans to loans | 2.2350% | 3,442 |
| Net loans and leases to total assets | 68.3472% | 3,279 |
| Net loans and leases to deposits | 83.6200% | 2,946 |
| Net loans and leases to core deposits | 89.9074% | 3,284 |
| Total domestic deposits to total assets | 81.7355% | 5,094 |
| Equity capital to assets | 11.0094% | 2,850 |
| Core capital (leverage) ratio | 10.3934% | 2,721 |
| Tier 1 risk-based capital ratio | 16.4622% | 2,486 |
| Total risk-based capital ratio | 17.7182% | 2,431 |
| Memoranda: | ||
| Average total assets | $120,473,000 | 4,555 |
| Average earning assets | $114,730,330 | 4,440 |
| Average equity | $12,842,000 | 4,473 |
| Average total loans | $82,976,330 | 4,350 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2345% | 3,855 |
| Cost of funding earning assets | 1.1793% | 5,514 |
| Net interest margin | 4.0552% | 2,632 |
| Noninterest income to average assets | 0.2825% | 5,881 |
| Noninterest expense to average assets | 3.2427% | 2,724 |
| Loan and lease loss provision to assets | 0.0986% | 5,651 |
| Net operating income to assets | 0.6374% | 3,720 |
| Return on assets (ROA) | 0.6374% | 3,843 |
| Pretax return on assets | 0.8049% | 3,846 |
| Return on Equity (ROE) | 6.0758% | 3,838 |
| Retained earnings to average equity (ytd only) | 3.4764% | 4,062 |
| Net charge-offs to loans | 0.9197% | 1,746 |
| Credit loss provision to net charge-offs | 15.6250% | 4,988 |
| Earnings coverage of net charge-offs (x) | 1.4323% | 3,887 |
| Efficiency ratio | 78.2092% | 2,859 |
| Assets per employee ($millions) | 2.7778% | 6,701 |
| Cash dividends to net income (ytd only)* | 42.7835% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 5,510 |
| Loan loss allowance to noncurrent loans | 37.5521% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 2.3703% | 3,060 |
| Noncurrent loans to loans | 3.1920% | 2,500 |
| Net loans and leases to total assets | 66.8328% | 3,671 |
| Net loans and leases to deposits | 82.4843% | 3,200 |
| Net loans and leases to core deposits | 90.2647% | 3,330 |
| Total domestic deposits to total assets | 81.0248% | 5,451 |
| Equity capital to assets | 10.5021% | 3,243 |
| Core capital (leverage) ratio | 10.0275% | 3,137 |
| Tier 1 risk-based capital ratio | 15.7375% | 2,757 |
| Total risk-based capital ratio | 16.9874% | 2,706 |
| Memoranda: | ||
| Average total assets | $121,751,000 | 4,590 |
| Average earning assets | $115,999,500 | 4,473 |
| Average equity | $12,772,000 | 4,529 |
| Average total loans | $83,503,000 | 4,401 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6374% | 3,405 |
| Cost of funding earning assets | 1.5258% | 5,399 |
| Net interest margin | 4.1116% | 2,401 |
| Noninterest income to average assets | 0.3763% | 5,406 |
| Noninterest expense to average assets | 3.1485% | 3,555 |
| Loan and lease loss provision to assets | 0.4408% | 4,186 |
| Net operating income to assets | 0.6047% | 3,310 |
| Return on assets (ROA) | 0.6047% | 3,383 |
| Pretax return on assets | 0.7168% | 3,517 |
| Return on Equity (ROE) | 5.7023% | 3,334 |
| Retained earnings to average equity (ytd only) | 2.5468% | 3,368 |
| Net charge-offs to loans | 0.4642% | 3,924 |
| Credit loss provision to net charge-offs | 135.5091% | 3,655 |
| Earnings coverage of net charge-offs (x) | 3.5587% | 3,293 |
| Efficiency ratio | 73.1164% | 4,070 |
| Assets per employee ($millions) | 2.8204% | 6,625 |
| Cash dividends to net income (ytd only)* | 55.3371% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 4,401 |
| Loan loss allowance to noncurrent loans | 36.9788% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 2.7441% | 2,548 |
| Noncurrent loans to loans | 3.6974% | 2,037 |
| Net loans and leases to total assets | 68.5832% | 3,576 |
| Net loans and leases to deposits | 85.4649% | 3,003 |
| Net loans and leases to core deposits | 104.9314% | 3,456 |
| Total domestic deposits to total assets | 80.2472% | 5,604 |
| Equity capital to assets | 10.4783% | 3,203 |
| Core capital (leverage) ratio | 10.1164% | 2,983 |
| Tier 1 risk-based capital ratio | 15.9113% | 2,561 |
| Total risk-based capital ratio | 17.1644% | 2,490 |
| Memoranda: | ||
| Average total assets | $117,737,400 | 4,639 |
| Average earning assets | $112,534,000 | 4,495 |
| Average equity | $12,486,200 | 4,634 |
| Average total loans | $82,500,800 | 4,430 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6654% | 3,497 |
| Cost of funding earning assets | 1.5986% | 5,405 |
| Net interest margin | 4.0668% | 2,521 |
| Noninterest income to average assets | 0.3777% | 5,491 |
| Noninterest expense to average assets | 3.2679% | 3,040 |
| Loan and lease loss provision to assets | 0.2396% | 5,052 |
| Net operating income to assets | 0.6401% | 3,451 |
| Return on assets (ROA) | 0.6401% | 3,522 |
| Pretax return on assets | 0.7656% | 3,644 |
| Return on Equity (ROE) | 6.0172% | 3,523 |
| Retained earnings to average equity (ytd only) | 2.5742% | 3,878 |
| Net charge-offs to loans | 0.5997% | 2,878 |
| Credit loss provision to net charge-offs | 56.9106% | 6,218 |
| Earnings coverage of net charge-offs (x) | 2.3875% | 4,041 |
| Efficiency ratio | 76.4753% | 3,420 |
| Assets per employee ($millions) | 2.7621% | 6,715 |
| Cash dividends to net income (ytd only)* | 57.2194% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 6,154 |
| Loan loss allowance to noncurrent loans | 41.6505% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 1.7452% | 3,742 |
| Noncurrent loans to loans | 2.4538% | 3,073 |
| Net loans and leases to total assets | 68.3710% | 3,872 |
| Net loans and leases to deposits | 83.9732% | 3,650 |
| Net loans and leases to core deposits | 101.7038% | 4,185 |
| Total domestic deposits to total assets | 81.4200% | 4,911 |
| Equity capital to assets | 10.4967% | 3,518 |
| Core capital (leverage) ratio | 10.0411% | 3,239 |
| Tier 1 risk-based capital ratio | 15.8213% | 2,697 |
| Total risk-based capital ratio | 16.9386% | 2,679 |
| Memoranda: | ||
| Average total assets | $116,852,000 | 4,677 |
| Average earning assets | $111,928,500 | 4,540 |
| Average equity | $12,430,750 | 4,675 |
| Average total loans | $82,043,500 | 4,483 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7159% | 3,452 |
| Cost of funding earning assets | 1.6823% | 5,355 |
| Net interest margin | 4.0336% | 2,568 |
| Noninterest income to average assets | 0.3574% | 5,649 |
| Noninterest expense to average assets | 3.3133% | 2,904 |
| Loan and lease loss provision to assets | 0.1561% | 5,508 |
| Net operating income to assets | 0.6366% | 3,523 |
| Return on assets (ROA) | 0.6366% | 3,630 |
| Pretax return on assets | 0.7477% | 3,838 |
| Return on Equity (ROE) | 5.9568% | 3,670 |
| Retained earnings to average equity (ytd only) | 2.5807% | 3,890 |
| Net charge-offs to loans | 0.0074% | 6,483 |
| Credit loss provision to net charge-offs | 3,000.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 173.6667% | 236 |
| Efficiency ratio | 78.5685% | 3,260 |
| Assets per employee ($millions) | 2.6994% | 6,833 |
| Cash dividends to net income (ytd only)* | 56.6757% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 4,093 |
| Loan loss allowance to noncurrent loans | 59.9023% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.7251% | 3,598 |
| Noncurrent loans to loans | 2.2211% | 3,233 |
| Net loans and leases to total assets | 68.9315% | 3,963 |
| Net loans and leases to deposits | 82.3082% | 4,174 |
| Net loans and leases to core deposits | 100.5724% | 4,452 |
| Total domestic deposits to total assets | 83.7480% | 3,896 |
| Equity capital to assets | 10.4325% | 3,486 |
| Core capital (leverage) ratio | 10.3422% | 2,956 |
| Tier 1 risk-based capital ratio | 15.4911% | 2,814 |
| Total risk-based capital ratio | 16.7426% | 2,748 |
| Memoranda: | ||
| Average total assets | $115,291,330 | 4,741 |
| Average earning assets | $110,324,000 | 4,614 |
| Average equity | $12,322,000 | 4,730 |
| Average total loans | $81,407,330 | 4,544 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8059% | 3,269 |
| Cost of funding earning assets | 1.7443% | 5,387 |
| Net interest margin | 4.0615% | 2,420 |
| Noninterest income to average assets | 0.3628% | 5,535 |
| Noninterest expense to average assets | 3.2549% | 2,779 |
| Loan and lease loss provision to assets | 0.0564% | 6,257 |
| Net operating income to assets | 0.7609% | 3,296 |
| Return on assets (ROA) | 0.7609% | 3,471 |
| Pretax return on assets | 0.9476% | 3,541 |
| Return on Equity (ROE) | 7.0315% | 3,577 |
| Retained earnings to average equity (ytd only) | 2.4090% | 4,538 |
| Net charge-offs to loans | 0.0149% | 5,382 |
| Credit loss provision to net charge-offs | 533.3333% | 1,033 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 449 |
| Efficiency ratio | 76.4268% | 3,418 |
| Assets per employee ($millions) | 2.7319% | 6,803 |
| Cash dividends to net income (ytd only)* | 65.7407% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 4,161 |
| Loan loss allowance to noncurrent loans | 59.6410% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.5051% | 3,674 |
| Noncurrent loans to loans | 2.1541% | 3,047 |
| Net loans and leases to total assets | 68.9736% | 3,921 |
| Net loans and leases to deposits | 83.0476% | 4,125 |
| Net loans and leases to core deposits | 104.6700% | 4,063 |
| Total domestic deposits to total assets | 83.0531% | 4,121 |
| Equity capital to assets | 10.8183% | 3,162 |
| Core capital (leverage) ratio | 10.5605% | 2,857 |
| Tier 1 risk-based capital ratio | 16.4225% | 2,539 |
| Total risk-based capital ratio | 17.6749% | 2,483 |
| Memoranda: | ||
| Average total assets | $113,550,500 | 4,811 |
| Average earning assets | $108,924,000 | 4,670 |
| Average equity | $12,287,500 | 4,758 |
| Average total loans | $80,623,000 | 4,594 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2910% | 4,012 |
| Cost of funding earning assets | 2.2208% | 5,506 |
| Net interest margin | 4.0703% | 2,831 |
| Noninterest income to average assets | 0.4292% | 5,220 |
| Noninterest expense to average assets | 3.0693% | 3,825 |
| Loan and lease loss provision to assets | 0.1935% | 4,948 |
| Net operating income to assets | 0.8723% | 3,121 |
| Return on assets (ROA) | 0.8836% | 2,915 |
| Pretax return on assets | 1.0573% | 3,193 |
| Return on Equity (ROE) | 8.2646% | 2,950 |
| Retained earnings to average equity (ytd only) | 3.5263% | 2,945 |
| Net charge-offs to loans | 0.0426% | 6,179 |
| Credit loss provision to net charge-offs | 632.3529% | 676 |
| Earnings coverage of net charge-offs (x) | 40.4412% | 916 |
| Efficiency ratio | 71.2704% | 4,072 |
| Assets per employee ($millions) | 2.6130% | 6,982 |
| Cash dividends to net income (ytd only)* | 57.3320% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 4,096 |
| Loan loss allowance to noncurrent loans | 62.7390% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 1.4427% | 3,327 |
| Noncurrent loans to loans | 1.9994% | 2,764 |
| Net loans and leases to total assets | 71.2513% | 3,735 |
| Net loans and leases to deposits | 91.6940% | 3,190 |
| Net loans and leases to core deposits | 116.8508% | 3,022 |
| Total domestic deposits to total assets | 77.7056% | 5,803 |
| Equity capital to assets | 10.8241% | 3,186 |
| Core capital (leverage) ratio | 10.6639% | 2,853 |
| Tier 1 risk-based capital ratio | 16.0275% | 2,657 |
| Total risk-based capital ratio | 17.2789% | 2,598 |
| Memoranda: | ||
| Average total assets | $111,134,600 | 4,745 |
| Average earning assets | $105,864,800 | 4,617 |
| Average equity | $11,882,000 | 4,860 |
| Average total loans | $79,760,200 | 4,521 |