Home > Bank of Jones County > Performance and Condition Ratios
Bank of Jones County, Performance and Condition Ratios
| 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 | 3.1180% | 5,932 |
| Cost of funding earning assets | 0.4406% | 3,260 |
| Net interest margin | 2.6774% | 5,973 |
| Noninterest income to average assets | 0.2602% | 5,269 |
| Noninterest expense to average assets | 1.6601% | 6,196 |
| Loan and lease loss provision to assets | 0.0577% | 3,387 |
| Net operating income to assets | 0.7794% | 3,477 |
| Return on assets (ROA) | 0.8411% | 3,257 |
| Pretax return on assets | 1.1649% | 2,800 |
| Return on Equity (ROE) | 7.1205% | 3,566 |
| Retained earnings to average equity (ytd only) | 0.5113% | 5,545 |
| Net charge-offs to loans | 0.5810% | 691 |
| Credit loss provision to net charge-offs | 35.4223% | 3,757 |
| Earnings coverage of net charge-offs (x) | 6.9755% | 3,107 |
| Efficiency ratio | 59.3522% | 5,301 |
| Assets per employee ($millions) | 8.7295% | 392 |
| Cash dividends to net income (ytd only)* | 92.8194% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 4,238 |
| Loan loss allowance to noncurrent loans | 542.7481% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.7015% | 3,471 |
| Noncurrent loans to loans | 0.2132% | 5,052 |
| Net loans and leases to total assets | 27.8288% | 6,240 |
| Net loans and leases to deposits | 32.2977% | 6,249 |
| Net loans and leases to core deposits | 34.2256% | 6,234 |
| Total domestic deposits to total assets | 86.1633% | 2,744 |
| Equity capital to assets | 12.7590% | 1,496 |
| Core capital (leverage) ratio | 11.8977% | 1,698 |
| Tier 1 risk-based capital ratio | 29.2101% | 545 |
| Total risk-based capital ratio | 29.9844% | 567 |
| Memoranda: | ||
| Average total assets | $225,171,400 | 2,734 |
| Average earning assets | $213,343,800 | 2,678 |
| Average equity | $26,599,200 | 2,520 |
| Average total loans | $63,166,600 | 4,391 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0875% | 6,047 |
| Cost of funding earning assets | 0.4451% | 3,310 |
| Net interest margin | 2.6424% | 6,080 |
| Noninterest income to average assets | 0.2615% | 5,340 |
| Noninterest expense to average assets | 1.2663% | 6,469 |
| Loan and lease loss provision to assets | 0.0723% | 2,900 |
| Net operating income to assets | 1.0635% | 2,180 |
| Return on assets (ROA) | 1.1470% | 1,934 |
| Pretax return on assets | 1.5436% | 1,500 |
| Return on Equity (ROE) | 9.9004% | 2,269 |
| Retained earnings to average equity (ytd only) | 4.5901% | 3,371 |
| Net charge-offs to loans | 0.6122% | 597 |
| Credit loss provision to net charge-offs | 42.1233% | 3,258 |
| Earnings coverage of net charge-offs (x) | 8.7604% | 2,751 |
| Efficiency ratio | 45.7246% | 6,301 |
| Assets per employee ($millions) | 8.9831% | 340 |
| Cash dividends to net income (ytd only)* | 53.6375% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 3,755 |
| Loan loss allowance to noncurrent loans | 8,655.5556% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 3,822 |
| Noncurrent loans to loans | 0.0148% | 5,974 |
| Net loans and leases to total assets | 26.7600% | 6,341 |
| Net loans and leases to deposits | 30.9166% | 6,361 |
| Net loans and leases to core deposits | 33.0980% | 6,338 |
| Total domestic deposits to total assets | 86.5552% | 2,555 |
| Equity capital to assets | 12.3899% | 1,779 |
| Core capital (leverage) ratio | 12.1058% | 1,634 |
| Tier 1 risk-based capital ratio | 29.7024% | 543 |
| Total risk-based capital ratio | 30.5411% | 546 |
| Memoranda: | ||
| Average total assets | $226,904,750 | 2,743 |
| Average earning assets | $215,354,250 | 2,675 |
| Average equity | $26,287,750 | 2,552 |
| Average total loans | $63,597,250 | 4,414 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1271% | 6,032 |
| Cost of funding earning assets | 0.4488% | 3,341 |
| Net interest margin | 2.6782% | 6,072 |
| Noninterest income to average assets | 0.2556% | 5,366 |
| Noninterest expense to average assets | 1.2799% | 6,531 |
| Loan and lease loss provision to assets | 0.0571% | 3,152 |
| Net operating income to assets | 1.1013% | 1,934 |
| Return on assets (ROA) | 1.2034% | 1,646 |
| Pretax return on assets | 1.6022% | 1,247 |
| Return on Equity (ROE) | 10.6303% | 1,880 |
| Retained earnings to average equity (ytd only) | 2.5063% | 4,610 |
| Net charge-offs to loans | 0.0372% | 3,478 |
| Credit loss provision to net charge-offs | 541.6667% | 554 |
| Earnings coverage of net charge-offs (x) | 144.5000% | 421 |
| Efficiency ratio | 45.6597% | 6,375 |
| Assets per employee ($millions) | 9.0943% | 318 |
| Cash dividends to net income (ytd only)* | 76.4234% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 2,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 27.2539% | 6,387 |
| Net loans and leases to deposits | 31.5128% | 6,397 |
| Net loans and leases to core deposits | 33.7905% | 6,376 |
| Total domestic deposits to total assets | 86.4852% | 2,772 |
| Equity capital to assets | 11.9895% | 1,991 |
| Core capital (leverage) ratio | 11.8635% | 1,741 |
| Tier 1 risk-based capital ratio | 28.8105% | 594 |
| Total risk-based capital ratio | 29.8783% | 593 |
| Memoranda: | ||
| Average total assets | $227,680,330 | 2,753 |
| Average earning assets | $216,561,330 | 2,673 |
| Average equity | $25,775,330 | 2,587 |
| Average total loans | $64,504,330 | 4,408 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1228% | 6,092 |
| Cost of funding earning assets | 0.4577% | 3,341 |
| Net interest margin | 2.6651% | 6,150 |
| Noninterest income to average assets | 0.2546% | 5,326 |
| Noninterest expense to average assets | 1.4133% | 6,551 |
| Loan and lease loss provision to assets | 0.0140% | 3,643 |
| Net operating income to assets | 1.0161% | 2,149 |
| Return on assets (ROA) | 1.2201% | 1,478 |
| Pretax return on assets | 1.6345% | 1,099 |
| Return on Equity (ROE) | 11.1051% | 1,648 |
| Retained earnings to average equity (ytd only) | -5.6245% | 6,163 |
| Net charge-offs to loans | 0.0245% | 3,078 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 247 |
| Efficiency ratio | 50.6608% | 6,217 |
| Assets per employee ($millions) | 9.3664% | 303 |
| Cash dividends to net income (ytd only)* | 150.6475% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 3,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 27.2490% | 6,439 |
| Net loans and leases to deposits | 30.8255% | 6,465 |
| Net loans and leases to core deposits | 33.0279% | 6,433 |
| Total domestic deposits to total assets | 88.3976% | 1,994 |
| Equity capital to assets | 10.8533% | 2,874 |
| Core capital (leverage) ratio | 11.4747% | 1,980 |
| Tier 1 risk-based capital ratio | 27.5888% | 670 |
| Total risk-based capital ratio | 28.5862% | 675 |
| Memoranda: | ||
| Average total assets | $227,841,500 | 2,759 |
| Average earning assets | $216,726,500 | 2,676 |
| Average equity | $25,033,500 | 2,641 |
| Average total loans | $65,274,000 | 4,421 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8797% | 6,441 |
| Cost of funding earning assets | 0.5534% | 3,085 |
| Net interest margin | 2.3263% | 6,502 |
| Noninterest income to average assets | 0.2966% | 5,229 |
| Noninterest expense to average assets | 1.2606% | 6,695 |
| Loan and lease loss provision to assets | 0.0111% | 4,905 |
| Net operating income to assets | 0.9470% | 2,577 |
| Return on assets (ROA) | 1.0628% | 2,149 |
| Pretax return on assets | 1.3912% | 1,816 |
| Return on Equity (ROE) | 9.4610% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.4610% | 666 |
| Net charge-offs to loans | 0.0065% | 5,328 |
| Credit loss provision to net charge-offs | 625.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 706.0000% | 55 |
| Efficiency ratio | 50.2116% | 6,387 |
| Assets per employee ($millions) | 8.5202% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 3,458 |
| Loan loss allowance to noncurrent loans | 6,320.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 6,415 |
| Noncurrent loans to loans | 0.0228% | 6,196 |
| Net loans and leases to total assets | 29.2709% | 6,488 |
| Net loans and leases to deposits | 33.1764% | 6,503 |
| Net loans and leases to core deposits | 35.8949% | 6,474 |
| Total domestic deposits to total assets | 88.2279% | 2,041 |
| Equity capital to assets | 11.1288% | 2,501 |
| Core capital (leverage) ratio | 11.7119% | 1,818 |
| Tier 1 risk-based capital ratio | 28.1099% | 604 |
| Total risk-based capital ratio | 29.1085% | 600 |
| Memoranda: | ||
| Average total assets | $225,921,000 | 2,759 |
| Average earning assets | $215,023,800 | 2,671 |
| Average equity | $25,378,000 | 2,598 |
| Average total loans | $61,482,200 | 4,565 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7930% | 6,570 |
| Cost of funding earning assets | 0.5634% | 3,138 |
| Net interest margin | 2.2296% | 6,628 |
| Noninterest income to average assets | 0.3007% | 5,298 |
| Noninterest expense to average assets | 1.2809% | 6,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8681% | 3,003 |
| Return on assets (ROA) | 0.9761% | 2,587 |
| Pretax return on assets | 1.2862% | 2,378 |
| Return on Equity (ROE) | 8.6698% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.6698% | 1,168 |
| Net charge-offs to loans | -0.0221% | 6,069 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8215% | 6,195 |
| Assets per employee ($millions) | 8.7672% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 3,166 |
| Loan loss allowance to noncurrent loans | 18,740.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 6,527 |
| Noncurrent loans to loans | 0.0083% | 6,355 |
| Net loans and leases to total assets | 25.8616% | 6,651 |
| Net loans and leases to deposits | 29.2359% | 6,680 |
| Net loans and leases to core deposits | 31.5005% | 6,654 |
| Total domestic deposits to total assets | 88.4583% | 1,861 |
| Equity capital to assets | 10.9183% | 2,841 |
| Core capital (leverage) ratio | 11.4295% | 2,099 |
| Tier 1 risk-based capital ratio | 28.2741% | 612 |
| Total risk-based capital ratio | 29.2952% | 618 |
| Memoranda: | ||
| Average total assets | $227,020,250 | 2,771 |
| Average earning assets | $216,294,000 | 2,672 |
| Average equity | $25,559,250 | 2,612 |
| Average total loans | $60,405,250 | 4,646 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7236% | 6,654 |
| Cost of funding earning assets | 0.5746% | 3,172 |
| Net interest margin | 2.1489% | 6,712 |
| Noninterest income to average assets | 0.3044% | 5,279 |
| Noninterest expense to average assets | 1.2818% | 6,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8041% | 3,277 |
| Return on assets (ROA) | 0.9642% | 2,641 |
| Pretax return on assets | 1.2880% | 2,348 |
| Return on Equity (ROE) | 8.4785% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.4785% | 1,299 |
| Net charge-offs to loans | -0.0330% | 6,125 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3991% | 6,114 |
| Assets per employee ($millions) | 8.7755% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 3,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 26.9229% | 6,655 |
| Net loans and leases to deposits | 30.2961% | 6,691 |
| Net loans and leases to core deposits | 32.5369% | 6,672 |
| Total domestic deposits to total assets | 88.8659% | 1,701 |
| Equity capital to assets | 10.6354% | 3,138 |
| Core capital (leverage) ratio | 11.0082% | 2,343 |
| Tier 1 risk-based capital ratio | 26.6478% | 722 |
| Total risk-based capital ratio | 27.6318% | 726 |
| Memoranda: | ||
| Average total assets | $226,711,000 | 2,777 |
| Average earning assets | $216,481,000 | 2,681 |
| Average equity | $25,783,000 | 2,601 |
| Average total loans | $60,577,670 | 4,657 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7069% | 6,729 |
| Cost of funding earning assets | 0.5851% | 3,253 |
| Net interest margin | 2.1218% | 6,803 |
| Noninterest income to average assets | 0.3098% | 5,212 |
| Noninterest expense to average assets | 1.3293% | 6,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7782% | 3,292 |
| Return on assets (ROA) | 1.1080% | 1,934 |
| Pretax return on assets | 1.4373% | 1,749 |
| Return on Equity (ROE) | 9.4343% | 2,300 |
| Retained earnings to average equity (ytd only) | 9.4343% | 1,261 |
| Net charge-offs to loans | -0.0536% | 6,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8509% | 5,981 |
| Assets per employee ($millions) | 8.6457% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 3,512 |
| Loan loss allowance to noncurrent loans | 8,500.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 6,620 |
| Noncurrent loans to loans | 0.0185% | 6,441 |
| Net loans and leases to total assets | 26.0227% | 6,729 |
| Net loans and leases to deposits | 29.9030% | 6,747 |
| Net loans and leases to core deposits | 32.0950% | 6,719 |
| Total domestic deposits to total assets | 87.0238% | 2,947 |
| Equity capital to assets | 11.8463% | 2,143 |
| Core capital (leverage) ratio | 10.7728% | 2,480 |
| Tier 1 risk-based capital ratio | 27.8113% | 652 |
| Total risk-based capital ratio | 28.8552% | 654 |
| Memoranda: | ||
| Average total assets | $225,985,000 | 2,813 |
| Average earning assets | $216,038,500 | 2,707 |
| Average equity | $26,541,500 | 2,563 |
| Average total loans | $59,684,000 | 4,721 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1101% | 6,722 |
| Cost of funding earning assets | 0.6917% | 3,562 |
| Net interest margin | 2.4184% | 6,767 |
| Noninterest income to average assets | 0.2915% | 5,385 |
| Noninterest expense to average assets | 1.1764% | 6,985 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0499% | 2,125 |
| Return on assets (ROA) | 1.1907% | 1,797 |
| Pretax return on assets | 1.6085% | 1,357 |
| Return on Equity (ROE) | 10.5322% | 1,959 |
| Retained earnings to average equity (ytd only) | 3.1065% | 4,049 |
| Net charge-offs to loans | 0.2701% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 18.8448% | 1,420 |
| Efficiency ratio | 45.3409% | 6,806 |
| Assets per employee ($millions) | 8.7378% | 360 |
| Cash dividends to net income (ytd only)* | 70.5049% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 3,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 6,660 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 25.9748% | 6,810 |
| Net loans and leases to deposits | 29.7751% | 6,834 |
| Net loans and leases to core deposits | 32.1467% | 6,805 |
| Total domestic deposits to total assets | 87.2367% | 2,684 |
| Equity capital to assets | 11.6444% | 2,312 |
| Core capital (leverage) ratio | 10.4033% | 2,881 |
| Tier 1 risk-based capital ratio | 26.8816% | 699 |
| Total risk-based capital ratio | 27.9077% | 710 |
| Memoranda: | ||
| Average total assets | $231,213,800 | 2,709 |
| Average earning assets | $220,187,400 | 2,613 |
| Average equity | $26,138,800 | 2,553 |
| Average total loans | $64,419,200 | 4,561 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2080% | 6,794 |
| Cost of funding earning assets | 0.7166% | 3,621 |
| Net interest margin | 2.4914% | 6,829 |
| Noninterest income to average assets | 0.2865% | 5,495 |
| Noninterest expense to average assets | 1.1827% | 7,084 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0771% | 2,181 |
| Return on assets (ROA) | 1.1035% | 2,270 |
| Pretax return on assets | 1.5094% | 1,845 |
| Return on Equity (ROE) | 9.8335% | 2,426 |
| Retained earnings to average equity (ytd only) | 4.8656% | 3,465 |
| Net charge-offs to loans | 0.3377% | 2,770 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 15.4577% | 1,759 |
| Efficiency ratio | 44.5309% | 6,880 |
| Assets per employee ($millions) | 9.2362% | 303 |
| Cash dividends to net income (ytd only)* | 50.5202% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 3,829 |
| Loan loss allowance to noncurrent loans | 2,671.4286% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 6,561 |
| Noncurrent loans to loans | 0.0572% | 6,475 |
| Net loans and leases to total assets | 26.1077% | 6,916 |
| Net loans and leases to deposits | 30.0017% | 6,950 |
| Net loans and leases to core deposits | 32.4364% | 6,927 |
| Total domestic deposits to total assets | 87.0206% | 2,656 |
| Equity capital to assets | 11.7589% | 2,475 |
| Core capital (leverage) ratio | 10.5943% | 2,805 |
| Tier 1 risk-based capital ratio | 26.6031% | 770 |
| Total risk-based capital ratio | 27.6216% | 779 |
| Memoranda: | ||
| Average total assets | $232,221,750 | 2,727 |
| Average earning assets | $220,861,000 | 2,629 |
| Average equity | $26,060,000 | 2,585 |
| Average total loans | $65,539,750 | 4,573 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 6,782 |
| Cost of funding earning assets | 0.7439% | 3,656 |
| Net interest margin | 2.5982% | 6,816 |
| Noninterest income to average assets | 0.2811% | 5,563 |
| Noninterest expense to average assets | 1.1923% | 7,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1407% | 1,912 |
| Return on assets (ROA) | 1.1803% | 1,986 |
| Pretax return on assets | 1.6109% | 1,513 |
| Return on Equity (ROE) | 10.6865% | 2,097 |
| Retained earnings to average equity (ytd only) | 3.1289% | 4,546 |
| Net charge-offs to loans | -0.0060% | 6,195 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3709% | 6,975 |
| Assets per employee ($millions) | 9.3638% | 287 |
| Cash dividends to net income (ytd only)* | 70.7210% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 3,186 |
| Loan loss allowance to noncurrent loans | 411.5672% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 6,364 |
| Noncurrent loans to loans | 0.4154% | 5,701 |
| Net loans and leases to total assets | 27.0855% | 6,954 |
| Net loans and leases to deposits | 30.8581% | 6,988 |
| Net loans and leases to core deposits | 33.2988% | 6,969 |
| Total domestic deposits to total assets | 87.7742% | 2,296 |
| Equity capital to assets | 11.2274% | 2,865 |
| Core capital (leverage) ratio | 10.0369% | 3,372 |
| Tier 1 risk-based capital ratio | 25.0217% | 899 |
| Total risk-based capital ratio | 26.1777% | 897 |
| Memoranda: | ||
| Average total assets | $232,660,670 | 2,726 |
| Average earning assets | $221,001,000 | 2,636 |
| Average equity | $25,696,000 | 2,605 |
| Average total loans | $66,980,000 | 4,527 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4610% | 6,744 |
| Cost of funding earning assets | 0.7610% | 3,781 |
| Net interest margin | 2.7000% | 6,770 |
| Noninterest income to average assets | 0.2639% | 5,760 |
| Noninterest expense to average assets | 1.2313% | 7,199 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1768% | 1,807 |
| Return on assets (ROA) | 1.2572% | 1,755 |
| Pretax return on assets | 1.6987% | 1,304 |
| Return on Equity (ROE) | 11.4792% | 1,844 |
| Retained earnings to average equity (ytd only) | -3.8106% | 6,474 |
| Net charge-offs to loans | -0.0059% | 5,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6430% | 7,003 |
| Assets per employee ($millions) | 9.5970% | 268 |
| Cash dividends to net income (ytd only)* | 133.1962% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 3,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 27.3060% | 6,997 |
| Net loans and leases to deposits | 30.9414% | 7,031 |
| Net loans and leases to core deposits | 33.2651% | 7,011 |
| Total domestic deposits to total assets | 88.2509% | 2,159 |
| Equity capital to assets | 10.5020% | 3,488 |
| Core capital (leverage) ratio | 9.9271% | 3,456 |
| Tier 1 risk-based capital ratio | 23.9351% | 1,017 |
| Total risk-based capital ratio | 25.0706% | 1,013 |
| Memoranda: | ||
| Average total assets | $231,943,000 | 2,750 |
| Average earning assets | $219,703,000 | 2,654 |
| Average equity | $25,402,500 | 2,630 |
| Average total loans | $68,215,500 | 4,514 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 6,588 |
| Cost of funding earning assets | 0.9292% | 3,884 |
| Net interest margin | 2.9882% | 6,547 |
| Noninterest income to average assets | 0.2882% | 5,472 |
| Noninterest expense to average assets | 1.3215% | 7,236 |
| Loan and lease loss provision to assets | 0.1874% | 4,312 |
| Net operating income to assets | 1.1771% | 1,579 |
| Return on assets (ROA) | 1.3393% | 1,243 |
| Pretax return on assets | 1.8495% | 731 |
| Return on Equity (ROE) | 12.2365% | 1,349 |
| Retained earnings to average equity (ytd only) | 8.6951% | 880 |
| Net charge-offs to loans | 0.4112% | 3,366 |
| Credit loss provision to net charge-offs | 139.7959% | 2,113 |
| Earnings coverage of net charge-offs (x) | 13.5136% | 1,534 |
| Efficiency ratio | 42.1773% | 7,166 |
| Assets per employee ($millions) | 8.6139% | 375 |
| Cash dividends to net income (ytd only)* | 28.9411% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 3,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 6,865 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 30.6812% | 6,987 |
| Net loans and leases to deposits | 35.1385% | 7,022 |
| Net loans and leases to core deposits | 37.8955% | 7,005 |
| Total domestic deposits to total assets | 87.3152% | 2,574 |
| Equity capital to assets | 11.4341% | 2,561 |
| Core capital (leverage) ratio | 10.5692% | 2,641 |
| Tier 1 risk-based capital ratio | 24.5131% | 921 |
| Total risk-based capital ratio | 25.6629% | 922 |
| Memoranda: | ||
| Average total assets | $219,300,600 | 2,846 |
| Average earning assets | $208,786,600 | 2,739 |
| Average equity | $24,002,000 | 2,667 |
| Average total loans | $71,495,200 | 4,430 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0101% | 6,566 |
| Cost of funding earning assets | 0.9599% | 3,958 |
| Net interest margin | 3.0503% | 6,495 |
| Noninterest income to average assets | 0.2909% | 5,528 |
| Noninterest expense to average assets | 1.3753% | 7,283 |
| Loan and lease loss provision to assets | 0.1687% | 4,359 |
| Net operating income to assets | 1.1903% | 1,679 |
| Return on assets (ROA) | 1.3765% | 1,289 |
| Pretax return on assets | 1.9113% | 759 |
| Return on Equity (ROE) | 12.7226% | 1,354 |
| Retained earnings to average equity (ytd only) | 7.9206% | 1,536 |
| Net charge-offs to loans | 0.1057% | 4,947 |
| Credit loss provision to net charge-offs | 484.2105% | 574 |
| Earnings coverage of net charge-offs (x) | 52.2793% | 626 |
| Efficiency ratio | 43.0210% | 7,176 |
| Assets per employee ($millions) | 8.4887% | 396 |
| Cash dividends to net income (ytd only)* | 37.7444% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 3,269 |
| Loan loss allowance to noncurrent loans | 1,909.5238% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 6,988 |
| Noncurrent loans to loans | 0.0891% | 6,711 |
| Net loans and leases to total assets | 31.5062% | 7,036 |
| Net loans and leases to deposits | 36.0728% | 7,079 |
| Net loans and leases to core deposits | 39.1679% | 7,056 |
| Total domestic deposits to total assets | 87.3406% | 2,448 |
| Equity capital to assets | 11.3608% | 2,809 |
| Core capital (leverage) ratio | 10.0975% | 3,310 |
| Tier 1 risk-based capital ratio | 23.5564% | 1,063 |
| Total risk-based capital ratio | 24.8000% | 1,047 |
| Memoranda: | ||
| Average total assets | $218,135,500 | 2,863 |
| Average earning assets | $207,802,250 | 2,758 |
| Average equity | $23,600,500 | 2,714 |
| Average total loans | $71,915,250 | 4,461 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0266% | 6,622 |
| Cost of funding earning assets | 0.9893% | 4,018 |
| Net interest margin | 3.0373% | 6,533 |
| Noninterest income to average assets | 0.2900% | 5,555 |
| Noninterest expense to average assets | 1.4065% | 7,354 |
| Loan and lease loss provision to assets | 0.1491% | 4,447 |
| Net operating income to assets | 1.1775% | 1,641 |
| Return on assets (ROA) | 1.3982% | 1,153 |
| Pretax return on assets | 1.9348% | 660 |
| Return on Equity (ROE) | 13.1462% | 1,168 |
| Retained earnings to average equity (ytd only) | 5.7899% | 2,546 |
| Net charge-offs to loans | 0.1964% | 3,973 |
| Credit loss provision to net charge-offs | 228.1690% | 1,319 |
| Earnings coverage of net charge-offs (x) | 27.1972% | 997 |
| Efficiency ratio | 44.1746% | 7,228 |
| Assets per employee ($millions) | 9.3864% | 288 |
| Cash dividends to net income (ytd only)* | 55.9579% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 4,150 |
| Loan loss allowance to noncurrent loans | 6,323.5294% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 7,111 |
| Noncurrent loans to loans | 0.0237% | 6,935 |
| Net loans and leases to total assets | 31.4071% | 7,130 |
| Net loans and leases to deposits | 35.5763% | 7,180 |
| Net loans and leases to core deposits | 38.3921% | 7,158 |
| Total domestic deposits to total assets | 88.2809% | 1,973 |
| Equity capital to assets | 10.6901% | 3,300 |
| Core capital (leverage) ratio | 9.7331% | 3,622 |
| Tier 1 risk-based capital ratio | 22.1208% | 1,240 |
| Total risk-based capital ratio | 23.1991% | 1,235 |
| Memoranda: | ||
| Average total assets | $217,278,670 | 2,884 |
| Average earning assets | $207,022,670 | 2,792 |
| Average equity | $23,109,330 | 2,749 |
| Average total loans | $72,307,330 | 4,491 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 6,616 |
| Cost of funding earning assets | 1.0329% | 3,971 |
| Net interest margin | 3.0098% | 6,553 |
| Noninterest income to average assets | 0.2794% | 5,673 |
| Noninterest expense to average assets | 1.3485% | 7,435 |
| Loan and lease loss provision to assets | 0.1013% | 4,743 |
| Net operating income to assets | 1.2313% | 1,452 |
| Return on assets (ROA) | 1.3710% | 1,164 |
| Pretax return on assets | 1.8792% | 709 |
| Return on Equity (ROE) | 12.9249% | 1,215 |
| Retained earnings to average equity (ytd only) | -2.1041% | 6,162 |
| Net charge-offs to loans | 0.3639% | 2,613 |
| Credit loss provision to net charge-offs | 81.8182% | 3,125 |
| Earnings coverage of net charge-offs (x) | 14.4545% | 1,368 |
| Efficiency ratio | 42.9767% | 7,318 |
| Assets per employee ($millions) | 8.7366% | 352 |
| Cash dividends to net income (ytd only)* | 116.2791% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 4,904 |
| Loan loss allowance to noncurrent loans | 10,800.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 7,197 |
| Noncurrent loans to loans | 0.0125% | 7,040 |
| Net loans and leases to total assets | 32.5387% | 7,146 |
| Net loans and leases to deposits | 36.6065% | 7,208 |
| Net loans and leases to core deposits | 39.2972% | 7,182 |
| Total domestic deposits to total assets | 88.8876% | 1,846 |
| Equity capital to assets | 10.4059% | 3,275 |
| Core capital (leverage) ratio | 9.8116% | 3,375 |
| Tier 1 risk-based capital ratio | 21.7726% | 1,267 |
| Total risk-based capital ratio | 22.7678% | 1,286 |
| Memoranda: | ||
| Average total assets | $213,281,000 | 2,955 |
| Average earning assets | $202,538,000 | 2,864 |
| Average equity | $22,623,000 | 2,785 |
| Average total loans | $72,547,500 | 4,533 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 6,823 |
| Cost of funding earning assets | 1.2552% | 4,180 |
| Net interest margin | 3.0217% | 6,695 |
| Noninterest income to average assets | 0.2970% | 5,668 |
| Noninterest expense to average assets | 1.3981% | 7,487 |
| Loan and lease loss provision to assets | 0.0248% | 6,874 |
| Net operating income to assets | 1.2719% | 1,242 |
| Return on assets (ROA) | 1.2847% | 1,271 |
| Pretax return on assets | 1.7603% | 829 |
| Return on Equity (ROE) | 11.9164% | 1,331 |
| Retained earnings to average equity (ytd only) | 5.3825% | 2,194 |
| Net charge-offs to loans | 0.0944% | 5,899 |
| Credit loss provision to net charge-offs | 73.9130% | 5,765 |
| Earnings coverage of net charge-offs (x) | 52.6232% | 444 |
| Efficiency ratio | 44.1642% | 7,413 |
| Assets per employee ($millions) | 9.0499% | 330 |
| Cash dividends to net income (ytd only)* | 54.8314% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 4,764 |
| Loan loss allowance to noncurrent loans | 14,057.1429% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 7,121 |
| Noncurrent loans to loans | 0.0096% | 7,136 |
| Net loans and leases to total assets | 34.6244% | 7,206 |
| Net loans and leases to deposits | 39.2827% | 7,277 |
| Net loans and leases to core deposits | 42.3819% | 7,245 |
| Total domestic deposits to total assets | 88.1416% | 2,158 |
| Equity capital to assets | 10.8183% | 2,838 |
| Core capital (leverage) ratio | 10.3662% | 2,703 |
| Tier 1 risk-based capital ratio | 22.1833% | 1,145 |
| Total risk-based capital ratio | 23.2040% | 1,156 |
| Memoranda: | ||
| Average total assets | $205,419,200 | 3,037 |
| Average earning assets | $195,022,800 | 2,940 |
| Average equity | $22,146,000 | 2,861 |
| Average total loans | $73,062,000 | 4,564 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 6,915 |
| Cost of funding earning assets | 1.3024% | 4,197 |
| Net interest margin | 3.0332% | 6,764 |
| Noninterest income to average assets | 0.2937% | 5,779 |
| Noninterest expense to average assets | 1.4001% | 7,590 |
| Loan and lease loss provision to assets | 0.0006% | 6,976 |
| Net operating income to assets | 1.2653% | 1,431 |
| Return on assets (ROA) | 1.2653% | 1,512 |
| Pretax return on assets | 1.7700% | 977 |
| Return on Equity (ROE) | 11.7472% | 1,571 |
| Retained earnings to average equity (ytd only) | 5.7315% | 2,523 |
| Net charge-offs to loans | 0.0401% | 6,149 |
| Credit loss provision to net charge-offs | 4.5455% | 6,358 |
| Earnings coverage of net charge-offs (x) | 123.6018% | 260 |
| Efficiency ratio | 44.1569% | 7,458 |
| Assets per employee ($millions) | 8.9420% | 354 |
| Cash dividends to net income (ytd only)* | 51.2094% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 4,732 |
| Loan loss allowance to noncurrent loans | 833.6207% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 7,211 |
| Noncurrent loans to loans | 0.1614% | 6,859 |
| Net loans and leases to total assets | 33.0438% | 7,374 |
| Net loans and leases to deposits | 37.6031% | 7,431 |
| Net loans and leases to core deposits | 40.6730% | 7,413 |
| Total domestic deposits to total assets | 87.8752% | 2,033 |
| Equity capital to assets | 10.8439% | 3,123 |
| Core capital (leverage) ratio | 10.1240% | 3,126 |
| Tier 1 risk-based capital ratio | 21.9019% | 1,223 |
| Total risk-based capital ratio | 22.9037% | 1,243 |
| Memoranda: | ||
| Average total assets | $204,737,000 | 3,079 |
| Average earning assets | $194,201,000 | 2,988 |
| Average equity | $22,053,000 | 2,912 |
| Average total loans | $73,064,000 | 4,636 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 6,926 |
| Cost of funding earning assets | 1.3566% | 4,150 |
| Net interest margin | 3.0306% | 6,768 |
| Noninterest income to average assets | 0.2939% | 5,794 |
| Noninterest expense to average assets | 1.4029% | 7,665 |
| Loan and lease loss provision to assets | 0.0010% | 6,855 |
| Net operating income to assets | 1.2569% | 1,409 |
| Return on assets (ROA) | 1.2569% | 1,478 |
| Pretax return on assets | 1.7623% | 946 |
| Return on Equity (ROE) | 11.6969% | 1,528 |
| Retained earnings to average equity (ytd only) | 2.5038% | 4,562 |
| Net charge-offs to loans | 0.0626% | 5,515 |
| Credit loss provision to net charge-offs | 4.3478% | 5,987 |
| Earnings coverage of net charge-offs (x) | 77.2174% | 408 |
| Efficiency ratio | 44.3086% | 7,511 |
| Assets per employee ($millions) | 7.9658% | 510 |
| Cash dividends to net income (ytd only)* | 78.5940% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 4,699 |
| Loan loss allowance to noncurrent loans | 846.0870% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 7,025 |
| Noncurrent loans to loans | 0.1591% | 6,944 |
| Net loans and leases to total assets | 34.4241% | 7,409 |
| Net loans and leases to deposits | 39.0428% | 7,463 |
| Net loans and leases to core deposits | 42.7275% | 7,435 |
| Total domestic deposits to total assets | 88.1701% | 1,908 |
| Equity capital to assets | 10.7623% | 3,111 |
| Core capital (leverage) ratio | 9.7734% | 3,443 |
| Tier 1 risk-based capital ratio | 21.1667% | 1,313 |
| Total risk-based capital ratio | 22.1731% | 1,326 |
| Memoranda: | ||
| Average total assets | $201,446,330 | 3,147 |
| Average earning assets | $190,921,000 | 3,048 |
| Average equity | $21,646,670 | 2,958 |
| Average total loans | $73,458,000 | 4,658 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 6,818 |
| Cost of funding earning assets | 1.3524% | 4,475 |
| Net interest margin | 3.1314% | 6,512 |
| Noninterest income to average assets | 0.2880% | 5,839 |
| Noninterest expense to average assets | 1.3916% | 7,769 |
| Loan and lease loss provision to assets | 0.0020% | 6,550 |
| Net operating income to assets | 1.3151% | 1,264 |
| Return on assets (ROA) | 1.3151% | 1,338 |
| Pretax return on assets | 1.8508% | 802 |
| Return on Equity (ROE) | 12.2485% | 1,430 |
| Retained earnings to average equity (ytd only) | -6.4150% | 6,688 |
| Net charge-offs to loans | 0.0918% | 4,499 |
| Credit loss provision to net charge-offs | 5.8824% | 5,093 |
| Earnings coverage of net charge-offs (x) | 54.1176% | 537 |
| Efficiency ratio | 42.8926% | 7,652 |
| Assets per employee ($millions) | 7.8883% | 537 |
| Cash dividends to net income (ytd only)* | 152.3737% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 4,738 |
| Loan loss allowance to noncurrent loans | 7,538.4615% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 7,236 |
| Noncurrent loans to loans | 0.0178% | 7,375 |
| Net loans and leases to total assets | 35.1962% | 7,457 |
| Net loans and leases to deposits | 39.7978% | 7,524 |
| Net loans and leases to core deposits | 43.5044% | 7,495 |
| Total domestic deposits to total assets | 88.4376% | 1,829 |
| Equity capital to assets | 10.2947% | 3,480 |
| Core capital (leverage) ratio | 9.7682% | 3,435 |
| Tier 1 risk-based capital ratio | 19.9950% | 1,522 |
| Total risk-based capital ratio | 20.9821% | 1,540 |
| Memoranda: | ||
| Average total assets | $198,614,000 | 3,230 |
| Average earning assets | $187,521,000 | 3,153 |
| Average equity | $21,325,000 | 3,029 |
| Average total loans | $74,052,500 | 4,712 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 5,795 |
| Cost of funding earning assets | 1.6313% | 4,882 |
| Net interest margin | 3.5372% | 4,790 |
| Noninterest income to average assets | 0.3507% | 5,586 |
| Noninterest expense to average assets | 1.6143% | 7,760 |
| Loan and lease loss provision to assets | 0.0503% | 7,059 |
| Net operating income to assets | 1.4514% | 758 |
| Return on assets (ROA) | 1.4601% | 795 |
| Pretax return on assets | 2.0383% | 381 |
| Return on Equity (ROE) | 13.4951% | 869 |
| Retained earnings to average equity (ytd only) | 9.1315% | 478 |
| Net charge-offs to loans | -0.0051% | 7,721 |
| Credit loss provision to net charge-offs | -2,300.0000% | 7,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7380% | 7,784 |
| Assets per employee ($millions) | 7.6853% | 580 |
| Cash dividends to net income (ytd only)* | 32.3342% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 4,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 38.4824% | 7,430 |
| Net loans and leases to deposits | 43.9471% | 7,519 |
| Net loans and leases to core deposits | 59.3910% | 7,288 |
| Total domestic deposits to total assets | 87.5653% | 2,191 |
| Equity capital to assets | 11.2090% | 2,524 |
| Core capital (leverage) ratio | 10.5268% | 2,576 |
| Tier 1 risk-based capital ratio | 20.6995% | 1,346 |
| Total risk-based capital ratio | 21.7267% | 1,343 |
| Memoranda: | ||
| Average total assets | $182,801,600 | 3,391 |
| Average earning assets | $172,623,200 | 3,313 |
| Average equity | $19,777,600 | 3,238 |
| Average total loans | $78,275,000 | 4,573 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2739% | 5,549 |
| Cost of funding earning assets | 1.7004% | 4,899 |
| Net interest margin | 3.5735% | 4,577 |
| Noninterest income to average assets | 0.3554% | 5,650 |
| Noninterest expense to average assets | 1.7207% | 7,737 |
| Loan and lease loss provision to assets | 0.0621% | 6,744 |
| Net operating income to assets | 1.3994% | 1,032 |
| Return on assets (ROA) | 1.4111% | 1,068 |
| Pretax return on assets | 1.9659% | 577 |
| Return on Equity (ROE) | 13.1689% | 1,076 |
| Retained earnings to average equity (ytd only) | 7.2188% | 1,427 |
| Net charge-offs to loans | -0.0051% | 7,632 |
| Credit loss provision to net charge-offs | -2,800.0000% | 7,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1006% | 7,765 |
| Assets per employee ($millions) | 7.3289% | 688 |
| Cash dividends to net income (ytd only)* | 45.1834% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 4,397 |
| Loan loss allowance to noncurrent loans | 523.6842% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 7,297 |
| Noncurrent loans to loans | 0.2514% | 6,882 |
| Net loans and leases to total assets | 39.1379% | 7,497 |
| Net loans and leases to deposits | 44.6326% | 7,604 |
| Net loans and leases to core deposits | 59.9776% | 7,402 |
| Total domestic deposits to total assets | 87.6889% | 1,808 |
| Equity capital to assets | 11.0127% | 2,992 |
| Core capital (leverage) ratio | 10.4394% | 2,840 |
| Tier 1 risk-based capital ratio | 20.2132% | 1,515 |
| Total risk-based capital ratio | 21.2481% | 1,509 |
| Memoranda: | ||
| Average total assets | $180,469,000 | 3,460 |
| Average earning assets | $170,545,250 | 3,368 |
| Average equity | $19,338,000 | 3,335 |
| Average total loans | $79,109,000 | 4,578 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4049% | 5,126 |
| Cost of funding earning assets | 1.7829% | 4,841 |
| Net interest margin | 3.6220% | 4,275 |
| Noninterest income to average assets | 0.3546% | 5,667 |
| Noninterest expense to average assets | 1.7899% | 7,755 |
| Loan and lease loss provision to assets | 0.0542% | 6,681 |
| Net operating income to assets | 1.3833% | 1,061 |
| Return on assets (ROA) | 1.3833% | 1,128 |
| Pretax return on assets | 1.9310% | 653 |
| Return on Equity (ROE) | 13.0395% | 1,176 |
| Retained earnings to average equity (ytd only) | 3.8533% | 3,144 |
| Net charge-offs to loans | -0.0025% | 7,488 |
| Credit loss provision to net charge-offs | -4,800.0000% | 7,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4125% | 7,787 |
| Assets per employee ($millions) | 6.9409% | 787 |
| Cash dividends to net income (ytd only)* | 70.4490% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 4,650 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 7,558 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 42.4955% | 7,418 |
| Net loans and leases to deposits | 48.0622% | 7,564 |
| Net loans and leases to core deposits | 66.0662% | 7,212 |
| Total domestic deposits to total assets | 88.4176% | 1,568 |
| Equity capital to assets | 10.7129% | 3,187 |
| Core capital (leverage) ratio | 10.6198% | 2,720 |
| Tier 1 risk-based capital ratio | 19.5436% | 1,668 |
| Total risk-based capital ratio | 20.5506% | 1,675 |
| Memoranda: | ||
| Average total assets | $177,108,000 | 3,523 |
| Average earning assets | $167,256,670 | 3,439 |
| Average equity | $18,789,000 | 3,427 |
| Average total loans | $80,287,670 | 4,574 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5908% | 4,415 |
| Cost of funding earning assets | 1.8563% | 4,845 |
| Net interest margin | 3.7345% | 3,739 |
| Noninterest income to average assets | 0.3466% | 5,675 |
| Noninterest expense to average assets | 1.7580% | 7,752 |
| Loan and lease loss provision to assets | 0.0821% | 5,913 |
| Net operating income to assets | 1.4388% | 1,063 |
| Return on assets (ROA) | 1.4388% | 1,143 |
| Pretax return on assets | 2.0156% | 651 |
| Return on Equity (ROE) | 13.6307% | 1,239 |
| Retained earnings to average equity (ytd only) | -5.0116% | 6,548 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5943% | 7,861 |
| Assets per employee ($millions) | 6.3734% | 1,015 |
| Cash dividends to net income (ytd only)* | 136.7670% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 4,763 |
| Loan loss allowance to noncurrent loans | 1,585.2459% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 7,512 |
| Noncurrent loans to loans | 0.0761% | 7,308 |
| Net loans and leases to total assets | 46.0007% | 7,190 |
| Net loans and leases to deposits | 52.3327% | 7,380 |
| Net loans and leases to core deposits | 72.3495% | 6,898 |
| Total domestic deposits to total assets | 87.9005% | 1,787 |
| Equity capital to assets | 10.8059% | 3,178 |
| Core capital (leverage) ratio | 10.4962% | 2,932 |
| Tier 1 risk-based capital ratio | 18.8527% | 1,848 |
| Total risk-based capital ratio | 19.8569% | 1,858 |
| Memoranda: | ||
| Average total assets | $175,430,000 | 3,570 |
| Average earning assets | $164,842,500 | 3,493 |
| Average equity | $18,517,000 | 3,482 |
| Average total loans | $81,604,000 | 4,567 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0617% | 5,242 |
| Cost of funding earning assets | 2.4709% | 4,361 |
| Net interest margin | 3.5907% | 4,934 |
| Noninterest income to average assets | 0.3956% | 5,506 |
| Noninterest expense to average assets | 1.6412% | 7,925 |
| Loan and lease loss provision to assets | 0.0196% | 7,139 |
| Net operating income to assets | 1.5099% | 1,001 |
| Return on assets (ROA) | 1.3390% | 1,327 |
| Pretax return on assets | 1.8818% | 796 |
| Return on Equity (ROE) | 13.9005% | 1,129 |
| Retained earnings to average equity (ytd only) | 9.4045% | 535 |
| Net charge-offs to loans | 0.0256% | 6,482 |
| Credit loss provision to net charge-offs | 159.0909% | 3,249 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 267 |
| Efficiency ratio | 43.3812% | 8,031 |
| Assets per employee ($millions) | 6.3849% | 941 |
| Cash dividends to net income (ytd only)* | 32.3443% | 4,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 45.9514% | 7,332 |
| Net loans and leases to deposits | 51.8624% | 7,542 |
| Net loans and leases to core deposits | 70.2121% | 7,175 |
| Total domestic deposits to total assets | 88.6026% | 1,201 |
| Equity capital to assets | 10.3139% | 3,699 |
| Core capital (leverage) ratio | 10.0781% | 3,375 |
| Tier 1 risk-based capital ratio | 18.5075% | 1,917 |
| Total risk-based capital ratio | 19.4446% | 1,942 |
| Memoranda: | ||
| Average total assets | $178,711,400 | 3,424 |
| Average earning assets | $168,600,600 | 3,355 |
| Average equity | $17,215,200 | 3,698 |
| Average total loans | $85,826,200 | 4,336 |