Home > Brookville National Bank > Performance and Condition Ratios
Brookville National Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4744% | 6,231 |
| Cost of funding earning assets | 0.2347% | 5,168 |
| Net interest margin | 2.2396% | 6,184 |
| Noninterest income to average assets | 0.1741% | 5,668 |
| Noninterest expense to average assets | 1.8061% | 5,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3337% | 5,301 |
| Return on assets (ROA) | 0.3337% | 5,410 |
| Pretax return on assets | 0.4787% | 5,233 |
| Return on Equity (ROE) | 3.7417% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.7417% | 3,763 |
| Net charge-offs to loans | 0.0220% | 2,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 674 |
| Efficiency ratio | 79.0476% | 2,029 |
| Assets per employee ($millions) | 4.8607% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 4,790 |
| Loan loss allowance to noncurrent loans | 2,083.3333% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,885 |
| Noncurrent loans to loans | 0.0502% | 5,578 |
| Net loans and leases to total assets | 31.7528% | 6,006 |
| Net loans and leases to deposits | 35.2449% | 6,082 |
| Net loans and leases to core deposits | 35.2449% | 6,117 |
| Total domestic deposits to total assets | 90.0917% | 702 |
| Equity capital to assets | 8.9771% | 5,322 |
| Core capital (leverage) ratio | 8.8437% | 5,145 |
| Tier 1 risk-based capital ratio | 19.4638% | 1,742 |
| Total risk-based capital ratio | 21.2092% | 1,600 |
| Memoranda: | ||
| Average total assets | $110,292,500 | 4,361 |
| Average earning assets | $103,945,000 | 4,302 |
| Average equity | $9,835,000 | 4,817 |
| Average total loans | $36,345,000 | 5,282 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6039% | 6,300 |
| Cost of funding earning assets | 0.2905% | 4,885 |
| Net interest margin | 2.3134% | 6,262 |
| Noninterest income to average assets | 0.1817% | 5,767 |
| Noninterest expense to average assets | 1.9322% | 5,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2948% | 5,532 |
| Return on assets (ROA) | 0.2954% | 5,602 |
| Pretax return on assets | 0.4275% | 5,426 |
| Return on Equity (ROE) | 3.4104% | 5,324 |
| Retained earnings to average equity (ytd only) | 1.9276% | 4,837 |
| Net charge-offs to loans | 0.0027% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 465.0000% | 109 |
| Efficiency ratio | 81.9137% | 1,674 |
| Assets per employee ($millions) | 4.7300% | 2,685 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 4,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 33.4957% | 6,061 |
| Net loans and leases to deposits | 37.0691% | 6,133 |
| Net loans and leases to core deposits | 37.0691% | 6,179 |
| Total domestic deposits to total assets | 90.3603% | 591 |
| Equity capital to assets | 8.8556% | 5,425 |
| Core capital (leverage) ratio | 8.7710% | 5,268 |
| Tier 1 risk-based capital ratio | 21.0313% | 1,400 |
| Total risk-based capital ratio | 22.9395% | 1,250 |
| Memoranda: | ||
| Average total assets | $108,996,400 | 4,397 |
| Average earning assets | $102,575,200 | 4,338 |
| Average equity | $9,441,800 | 4,879 |
| Average total loans | $36,450,400 | 5,314 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6007% | 6,375 |
| Cost of funding earning assets | 0.2936% | 4,939 |
| Net interest margin | 2.3071% | 6,337 |
| Noninterest income to average assets | 0.1822% | 5,831 |
| Noninterest expense to average assets | 1.9184% | 5,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2996% | 5,583 |
| Return on assets (ROA) | 0.2996% | 5,657 |
| Pretax return on assets | 0.4353% | 5,512 |
| Return on Equity (ROE) | 3.4774% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.5548% | 4,765 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5065% | 1,676 |
| Assets per employee ($millions) | 4.7292% | 2,618 |
| Cash dividends to net income (ytd only)* | 26.5291% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 5,015 |
| Loan loss allowance to noncurrent loans | 900.0000% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 6,013 |
| Noncurrent loans to loans | 0.1161% | 5,578 |
| Net loans and leases to total assets | 32.9187% | 6,154 |
| Net loans and leases to deposits | 36.6013% | 6,224 |
| Net loans and leases to core deposits | 36.6013% | 6,269 |
| Total domestic deposits to total assets | 89.9385% | 763 |
| Equity capital to assets | 8.8029% | 5,549 |
| Core capital (leverage) ratio | 8.8094% | 5,326 |
| Tier 1 risk-based capital ratio | 21.1817% | 1,421 |
| Total risk-based capital ratio | 24.2017% | 1,101 |
| Memoranda: | ||
| Average total assets | $109,048,000 | 4,441 |
| Average earning assets | $102,638,500 | 4,374 |
| Average equity | $9,393,750 | 4,926 |
| Average total loans | $36,358,750 | 5,371 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5980% | 6,441 |
| Cost of funding earning assets | 0.2958% | 5,007 |
| Net interest margin | 2.3022% | 6,403 |
| Noninterest income to average assets | 0.1778% | 5,884 |
| Noninterest expense to average assets | 1.9461% | 5,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2749% | 5,648 |
| Return on assets (ROA) | 0.2749% | 5,722 |
| Pretax return on assets | 0.3995% | 5,562 |
| Return on Equity (ROE) | 3.2143% | 5,452 |
| Retained earnings to average equity (ytd only) | 1.8214% | 4,978 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9688% | 1,636 |
| Assets per employee ($millions) | 4.7604% | 2,529 |
| Cash dividends to net income (ytd only)* | 43.3333% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 5,233 |
| Loan loss allowance to noncurrent loans | 900.0000% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 6,091 |
| Noncurrent loans to loans | 0.1140% | 5,670 |
| Net loans and leases to total assets | 33.2962% | 6,184 |
| Net loans and leases to deposits | 36.9523% | 6,268 |
| Net loans and leases to core deposits | 36.9523% | 6,311 |
| Total domestic deposits to total assets | 90.1059% | 756 |
| Equity capital to assets | 8.6629% | 5,648 |
| Core capital (leverage) ratio | 8.6997% | 5,392 |
| Tier 1 risk-based capital ratio | 20.8661% | 1,471 |
| Total risk-based capital ratio | 23.8710% | 1,148 |
| Memoranda: | ||
| Average total assets | $109,140,330 | 4,460 |
| Average earning assets | $102,769,670 | 4,395 |
| Average equity | $9,333,330 | 4,955 |
| Average total loans | $36,417,000 | 5,403 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5920% | 6,523 |
| Cost of funding earning assets | 0.3001% | 5,065 |
| Net interest margin | 2.2918% | 6,478 |
| Noninterest income to average assets | 0.1762% | 5,912 |
| Noninterest expense to average assets | 1.9346% | 6,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2753% | 5,584 |
| Return on assets (ROA) | 0.2753% | 5,631 |
| Pretax return on assets | 0.4001% | 5,455 |
| Return on Equity (ROE) | 3.2406% | 5,368 |
| Retained earnings to average equity (ytd only) | 3.2406% | 4,176 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8616% | 1,815 |
| Assets per employee ($millions) | 4.5567% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 5,374 |
| Loan loss allowance to noncurrent loans | 900.0000% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 6,177 |
| Noncurrent loans to loans | 0.1151% | 5,782 |
| Net loans and leases to total assets | 33.0176% | 6,226 |
| Net loans and leases to deposits | 36.5525% | 6,299 |
| Net loans and leases to core deposits | 36.5525% | 6,350 |
| Total domestic deposits to total assets | 90.3292% | 905 |
| Equity capital to assets | 8.5214% | 5,635 |
| Core capital (leverage) ratio | 8.7614% | 5,310 |
| Tier 1 risk-based capital ratio | 20.9393% | 1,482 |
| Total risk-based capital ratio | 23.9579% | 1,163 |
| Memoranda: | ||
| Average total assets | $108,965,500 | 4,508 |
| Average earning assets | $102,625,000 | 4,436 |
| Average equity | $9,257,500 | 4,987 |
| Average total loans | $36,208,500 | 5,455 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6834% | 6,554 |
| Cost of funding earning assets | 0.3672% | 4,987 |
| Net interest margin | 2.3162% | 6,512 |
| Noninterest income to average assets | 0.2269% | 5,720 |
| Noninterest expense to average assets | 2.0723% | 5,889 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2227% | 5,767 |
| Return on assets (ROA) | 0.2241% | 5,823 |
| Pretax return on assets | 0.3087% | 5,712 |
| Return on Equity (ROE) | 2.5412% | 5,662 |
| Retained earnings to average equity (ytd only) | 1.4024% | 5,195 |
| Net charge-offs to loans | 0.0030% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 330.0000% | 132 |
| Efficiency ratio | 87.1043% | 1,303 |
| Assets per employee ($millions) | 4.5238% | 2,862 |
| Cash dividends to net income (ytd only)* | 44.8133% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 5,338 |
| Loan loss allowance to noncurrent loans | 900.0000% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 6,262 |
| Noncurrent loans to loans | 0.1169% | 5,853 |
| Net loans and leases to total assets | 32.7463% | 6,350 |
| Net loans and leases to deposits | 36.2154% | 6,417 |
| Net loans and leases to core deposits | 36.2154% | 6,464 |
| Total domestic deposits to total assets | 90.4210% | 862 |
| Equity capital to assets | 8.4700% | 5,615 |
| Core capital (leverage) ratio | 8.6963% | 5,421 |
| Tier 1 risk-based capital ratio | 20.8508% | 1,452 |
| Total risk-based capital ratio | 23.8804% | 1,133 |
| Memoranda: | ||
| Average total assets | $107,560,000 | 4,558 |
| Average earning assets | $99,948,800 | 4,522 |
| Average equity | $9,483,800 | 4,982 |
| Average total loans | $33,070,400 | 5,620 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6997% | 6,624 |
| Cost of funding earning assets | 0.3782% | 5,018 |
| Net interest margin | 2.3215% | 6,574 |
| Noninterest income to average assets | 0.2336% | 5,763 |
| Noninterest expense to average assets | 2.0489% | 5,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2410% | 5,805 |
| Return on assets (ROA) | 0.2410% | 5,892 |
| Pretax return on assets | 0.3355% | 5,785 |
| Return on Equity (ROE) | 2.7069% | 5,710 |
| Retained earnings to average equity (ytd only) | 2.1069% | 5,060 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9302% | 1,366 |
| Assets per employee ($millions) | 4.4723% | 2,927 |
| Cash dividends to net income (ytd only)* | 22.1642% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,189 |
| Loan loss allowance to noncurrent loans | 902.3810% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 6,355 |
| Noncurrent loans to loans | 0.1256% | 5,947 |
| Net loans and leases to total assets | 30.8008% | 6,504 |
| Net loans and leases to deposits | 34.1607% | 6,566 |
| Net loans and leases to core deposits | 34.1607% | 6,607 |
| Total domestic deposits to total assets | 90.1644% | 910 |
| Equity capital to assets | 8.6300% | 5,592 |
| Core capital (leverage) ratio | 8.8372% | 5,354 |
| Tier 1 risk-based capital ratio | 21.8201% | 1,349 |
| Total risk-based capital ratio | 24.9868% | 1,021 |
| Memoranda: | ||
| Average total assets | $107,307,250 | 4,609 |
| Average earning assets | $99,417,250 | 4,574 |
| Average equity | $9,555,750 | 5,020 |
| Average total loans | $32,355,250 | 5,707 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7287% | 6,650 |
| Cost of funding earning assets | 0.3939% | 4,994 |
| Net interest margin | 2.3349% | 6,596 |
| Noninterest income to average assets | 0.2460% | 5,690 |
| Noninterest expense to average assets | 2.0802% | 5,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2311% | 5,821 |
| Return on assets (ROA) | 0.2311% | 5,944 |
| Pretax return on assets | 0.3206% | 5,816 |
| Return on Equity (ROE) | 2.5691% | 5,774 |
| Retained earnings to average equity (ytd only) | 1.6782% | 5,178 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6460% | 1,349 |
| Assets per employee ($millions) | 4.4544% | 2,890 |
| Cash dividends to net income (ytd only)* | 34.6774% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 5,009 |
| Loan loss allowance to noncurrent loans | 902.3810% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 6,389 |
| Noncurrent loans to loans | 0.1327% | 5,992 |
| Net loans and leases to total assets | 29.2472% | 6,602 |
| Net loans and leases to deposits | 32.4232% | 6,649 |
| Net loans and leases to core deposits | 32.4232% | 6,677 |
| Total domestic deposits to total assets | 90.2045% | 904 |
| Equity capital to assets | 8.5898% | 5,679 |
| Core capital (leverage) ratio | 8.6706% | 5,460 |
| Tier 1 risk-based capital ratio | 22.1669% | 1,252 |
| Total risk-based capital ratio | 25.4078% | 961 |
| Memoranda: | ||
| Average total assets | $107,298,000 | 4,631 |
| Average earning assets | $99,020,000 | 4,624 |
| Average equity | $9,653,330 | 5,018 |
| Average total loans | $31,994,000 | 5,755 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7519% | 6,707 |
| Cost of funding earning assets | 0.4150% | 4,963 |
| Net interest margin | 2.3369% | 6,660 |
| Noninterest income to average assets | 0.1898% | 6,113 |
| Noninterest expense to average assets | 2.1024% | 5,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1861% | 5,933 |
| Return on assets (ROA) | 0.1861% | 6,046 |
| Pretax return on assets | 0.2456% | 5,975 |
| Return on Equity (ROE) | 2.0226% | 5,937 |
| Retained earnings to average equity (ytd only) | 2.0226% | 4,991 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5404% | 1,185 |
| Assets per employee ($millions) | 4.5670% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 5,225 |
| Loan loss allowance to noncurrent loans | 37,900.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,661 |
| Noncurrent loans to loans | 0.0031% | 6,514 |
| Net loans and leases to total assets | 28.7175% | 6,648 |
| Net loans and leases to deposits | 32.0847% | 6,686 |
| Net loans and leases to core deposits | 32.0847% | 6,720 |
| Total domestic deposits to total assets | 89.5054% | 1,356 |
| Equity capital to assets | 9.0266% | 5,453 |
| Core capital (leverage) ratio | 8.7367% | 5,282 |
| Tier 1 risk-based capital ratio | 22.4662% | 1,247 |
| Total risk-based capital ratio | 25.7617% | 935 |
| Memoranda: | ||
| Average total assets | $107,494,000 | 4,666 |
| Average earning assets | $99,278,000 | 4,647 |
| Average equity | $9,888,500 | 5,013 |
| Average total loans | $32,168,000 | 5,789 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1107% | 6,721 |
| Cost of funding earning assets | 0.5509% | 4,811 |
| Net interest margin | 2.5598% | 6,669 |
| Noninterest income to average assets | 0.2238% | 5,839 |
| Noninterest expense to average assets | 2.2577% | 5,794 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2329% | 5,693 |
| Return on assets (ROA) | 0.2534% | 5,830 |
| Pretax return on assets | 0.3443% | 5,732 |
| Return on Equity (ROE) | 2.6809% | 5,679 |
| Retained earnings to average equity (ytd only) | 1.2646% | 5,235 |
| Net charge-offs to loans | 0.0029% | 5,945 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 331.0000% | 121 |
| Efficiency ratio | 87.7043% | 1,265 |
| Assets per employee ($millions) | 4.3908% | 3,167 |
| Cash dividends to net income (ytd only)* | 52.8302% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 5,278 |
| Loan loss allowance to noncurrent loans | 4,211.1111% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 6,665 |
| Noncurrent loans to loans | 0.0277% | 6,450 |
| Net loans and leases to total assets | 30.4624% | 6,684 |
| Net loans and leases to deposits | 34.2254% | 6,736 |
| Net loans and leases to core deposits | 34.2254% | 6,764 |
| Total domestic deposits to total assets | 89.0054% | 1,560 |
| Equity capital to assets | 9.3785% | 5,026 |
| Core capital (leverage) ratio | 8.8046% | 5,172 |
| Tier 1 risk-based capital ratio | 22.4277% | 1,192 |
| Total risk-based capital ratio | 25.7351% | 891 |
| Memoranda: | ||
| Average total assets | $104,574,000 | 4,717 |
| Average earning assets | $96,023,000 | 4,691 |
| Average equity | $9,884,800 | 5,001 |
| Average total loans | $34,669,000 | 5,730 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1640% | 6,815 |
| Cost of funding earning assets | 0.5687% | 4,925 |
| Net interest margin | 2.5953% | 6,761 |
| Noninterest income to average assets | 0.2274% | 5,926 |
| Noninterest expense to average assets | 2.2342% | 5,867 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2695% | 5,719 |
| Return on assets (ROA) | 0.2695% | 5,916 |
| Pretax return on assets | 0.3717% | 5,785 |
| Return on Equity (ROE) | 2.8460% | 5,728 |
| Retained earnings to average equity (ytd only) | 1.8343% | 5,416 |
| Net charge-offs to loans | 0.0038% | 5,709 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 291.7218% | 158 |
| Efficiency ratio | 85.7353% | 1,404 |
| Assets per employee ($millions) | 4.3609% | 3,146 |
| Cash dividends to net income (ytd only)* | 35.5454% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 5,711 |
| Loan loss allowance to noncurrent loans | 9,475.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 6,803 |
| Noncurrent loans to loans | 0.0116% | 6,627 |
| Net loans and leases to total assets | 32.4769% | 6,726 |
| Net loans and leases to deposits | 36.7399% | 6,795 |
| Net loans and leases to core deposits | 36.7399% | 6,841 |
| Total domestic deposits to total assets | 88.3969% | 1,791 |
| Equity capital to assets | 9.5804% | 5,097 |
| Core capital (leverage) ratio | 8.8475% | 5,272 |
| Tier 1 risk-based capital ratio | 21.6726% | 1,385 |
| Total risk-based capital ratio | 25.5590% | 962 |
| Memoranda: | ||
| Average total assets | $104,372,750 | 4,765 |
| Average earning assets | $95,656,250 | 4,746 |
| Average equity | $9,885,250 | 5,051 |
| Average total loans | $35,216,250 | 5,782 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1788% | 6,887 |
| Cost of funding earning assets | 0.5846% | 5,029 |
| Net interest margin | 2.5942% | 6,822 |
| Noninterest income to average assets | 0.2302% | 5,926 |
| Noninterest expense to average assets | 2.2594% | 5,848 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2551% | 5,749 |
| Return on assets (ROA) | 0.2551% | 5,940 |
| Pretax return on assets | 0.3452% | 5,840 |
| Return on Equity (ROE) | 2.7038% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.1791% | 5,603 |
| Net charge-offs to loans | 0.0282% | 4,983 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 955 |
| Efficiency ratio | 86.7452% | 1,367 |
| Assets per employee ($millions) | 4.4011% | 3,089 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 5,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 33.0487% | 6,767 |
| Net loans and leases to deposits | 37.2622% | 6,832 |
| Net loans and leases to core deposits | 37.2622% | 6,882 |
| Total domestic deposits to total assets | 88.6922% | 1,712 |
| Equity capital to assets | 9.3566% | 5,249 |
| Core capital (leverage) ratio | 8.8290% | 5,168 |
| Tier 1 risk-based capital ratio | 21.2617% | 1,429 |
| Total risk-based capital ratio | 25.0973% | 1,016 |
| Memoranda: | ||
| Average total assets | $104,276,330 | 4,793 |
| Average earning assets | $95,444,000 | 4,785 |
| Average equity | $9,838,000 | 5,064 |
| Average total loans | $35,498,330 | 5,811 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2269% | 6,935 |
| Cost of funding earning assets | 0.5998% | 5,131 |
| Net interest margin | 2.6271% | 6,857 |
| Noninterest income to average assets | 0.2278% | 5,991 |
| Noninterest expense to average assets | 2.2046% | 6,035 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3050% | 5,642 |
| Return on assets (ROA) | 0.3050% | 5,807 |
| Pretax return on assets | 0.4247% | 5,656 |
| Return on Equity (ROE) | 3.2194% | 5,628 |
| Retained earnings to average equity (ytd only) | 3.2194% | 4,636 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8473% | 1,705 |
| Assets per employee ($millions) | 4.3583% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 5,973 |
| Loan loss allowance to noncurrent loans | 19,000.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 6,957 |
| Noncurrent loans to loans | 0.0057% | 6,787 |
| Net loans and leases to total assets | 33.3142% | 6,769 |
| Net loans and leases to deposits | 37.5403% | 6,842 |
| Net loans and leases to core deposits | 37.6425% | 6,890 |
| Total domestic deposits to total assets | 88.7426% | 1,858 |
| Equity capital to assets | 9.3625% | 5,013 |
| Core capital (leverage) ratio | 9.0202% | 4,812 |
| Tier 1 risk-based capital ratio | 21.9274% | 1,298 |
| Total risk-based capital ratio | 25.8860% | 925 |
| Memoranda: | ||
| Average total assets | $103,601,500 | 4,846 |
| Average earning assets | $94,704,500 | 4,828 |
| Average equity | $9,815,500 | 5,085 |
| Average total loans | $35,606,000 | 5,843 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 6,968 |
| Cost of funding earning assets | 0.7201% | 5,406 |
| Net interest margin | 2.8246% | 6,793 |
| Noninterest income to average assets | 0.2604% | 5,675 |
| Noninterest expense to average assets | 2.3658% | 5,861 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3492% | 5,071 |
| Return on assets (ROA) | 0.3529% | 5,223 |
| Pretax return on assets | 0.4732% | 5,064 |
| Return on Equity (ROE) | 3.6775% | 5,002 |
| Retained earnings to average equity (ytd only) | 1.9061% | 4,846 |
| Net charge-offs to loans | 0.2485% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 5.0645% | 2,908 |
| Efficiency ratio | 83.4795% | 1,823 |
| Assets per employee ($millions) | 4.2752% | 3,314 |
| Cash dividends to net income (ytd only)* | 48.1690% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 5,976 |
| Loan loss allowance to noncurrent loans | 19,000.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,016 |
| Noncurrent loans to loans | 0.0056% | 6,852 |
| Net loans and leases to total assets | 34.7020% | 6,834 |
| Net loans and leases to deposits | 39.2340% | 6,914 |
| Net loans and leases to core deposits | 39.3428% | 6,966 |
| Total domestic deposits to total assets | 88.4489% | 1,881 |
| Equity capital to assets | 9.5882% | 4,760 |
| Core capital (leverage) ratio | 8.8830% | 4,969 |
| Tier 1 risk-based capital ratio | 21.8225% | 1,258 |
| Total risk-based capital ratio | 25.7958% | 907 |
| Memoranda: | ||
| Average total assets | $100,600,000 | 4,877 |
| Average earning assets | $91,658,400 | 4,868 |
| Average equity | $9,653,200 | 5,106 |
| Average total loans | $37,420,200 | 5,815 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5950% | 7,025 |
| Cost of funding earning assets | 0.7398% | 5,526 |
| Net interest margin | 2.8552% | 6,819 |
| Noninterest income to average assets | 0.2611% | 5,752 |
| Noninterest expense to average assets | 2.3643% | 5,869 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3730% | 5,115 |
| Return on assets (ROA) | 0.3730% | 5,299 |
| Pretax return on assets | 0.4982% | 5,169 |
| Return on Equity (ROE) | 3.8859% | 5,045 |
| Retained earnings to average equity (ytd only) | 2.5537% | 4,834 |
| Net charge-offs to loans | 0.3282% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 4.0214% | 3,209 |
| Efficiency ratio | 82.5966% | 1,889 |
| Assets per employee ($millions) | 4.3565% | 3,165 |
| Cash dividends to net income (ytd only)* | 34.2869% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 6,070 |
| Loan loss allowance to noncurrent loans | 19,000.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,090 |
| Noncurrent loans to loans | 0.0055% | 6,957 |
| Net loans and leases to total assets | 34.4249% | 6,933 |
| Net loans and leases to deposits | 38.9084% | 7,009 |
| Net loans and leases to core deposits | 39.0143% | 7,062 |
| Total domestic deposits to total assets | 88.4769% | 1,771 |
| Equity capital to assets | 9.5031% | 5,077 |
| Core capital (leverage) ratio | 9.0635% | 4,833 |
| Tier 1 risk-based capital ratio | 22.0110% | 1,287 |
| Total risk-based capital ratio | 26.0186% | 923 |
| Memoranda: | ||
| Average total assets | $100,098,750 | 4,928 |
| Average earning assets | $91,198,750 | 4,922 |
| Average equity | $9,607,000 | 5,153 |
| Average total loans | $37,778,750 | 5,849 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6779% | 7,030 |
| Cost of funding earning assets | 0.7637% | 5,602 |
| Net interest margin | 2.9142% | 6,764 |
| Noninterest income to average assets | 0.2576% | 5,807 |
| Noninterest expense to average assets | 2.3445% | 6,013 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4198% | 4,858 |
| Return on assets (ROA) | 0.4198% | 5,011 |
| Pretax return on assets | 0.5598% | 4,883 |
| Return on Equity (ROE) | 4.3591% | 4,757 |
| Retained earnings to average equity (ytd only) | 2.3375% | 4,796 |
| Net charge-offs to loans | 0.4863% | 2,643 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.9677% | 3,366 |
| Efficiency ratio | 80.7263% | 2,277 |
| Assets per employee ($millions) | 4.1487% | 3,457 |
| Cash dividends to net income (ytd only)* | 46.3768% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,291 |
| Loan loss allowance to noncurrent loans | 19,000.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 7,138 |
| Noncurrent loans to loans | 0.0053% | 7,003 |
| Net loans and leases to total assets | 37.4805% | 6,886 |
| Net loans and leases to deposits | 42.4997% | 6,971 |
| Net loans and leases to core deposits | 42.4997% | 7,056 |
| Total domestic deposits to total assets | 88.1901% | 2,021 |
| Equity capital to assets | 9.7761% | 4,417 |
| Core capital (leverage) ratio | 9.1264% | 4,523 |
| Tier 1 risk-based capital ratio | 21.4150% | 1,340 |
| Total risk-based capital ratio | 25.3457% | 976 |
| Memoranda: | ||
| Average total assets | $98,613,330 | 4,998 |
| Average earning assets | $89,562,330 | 5,011 |
| Average equity | $9,497,330 | 5,186 |
| Average total loans | $38,247,330 | 5,877 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6806% | 7,084 |
| Cost of funding earning assets | 0.7820% | 5,660 |
| Net interest margin | 2.8987% | 6,764 |
| Noninterest income to average assets | 0.2486% | 5,910 |
| Noninterest expense to average assets | 2.4089% | 5,859 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3628% | 5,111 |
| Return on assets (ROA) | 0.3628% | 5,197 |
| Pretax return on assets | 0.4687% | 5,126 |
| Return on Equity (ROE) | 3.7957% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.7957% | 3,897 |
| Net charge-offs to loans | 0.9657% | 1,391 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.2366% | 3,744 |
| Efficiency ratio | 83.7110% | 1,991 |
| Assets per employee ($millions) | 4.1703% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 6,400 |
| Loan loss allowance to noncurrent loans | 19,000.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 7,212 |
| Noncurrent loans to loans | 0.0053% | 7,075 |
| Net loans and leases to total assets | 37.6077% | 6,925 |
| Net loans and leases to deposits | 42.3697% | 7,007 |
| Net loans and leases to core deposits | 42.3697% | 7,096 |
| Total domestic deposits to total assets | 88.7607% | 1,921 |
| Equity capital to assets | 9.4209% | 4,538 |
| Core capital (leverage) ratio | 9.4309% | 3,914 |
| Tier 1 risk-based capital ratio | 21.2388% | 1,355 |
| Total risk-based capital ratio | 25.1465% | 963 |
| Memoranda: | ||
| Average total assets | $98,135,500 | 5,048 |
| Average earning assets | $89,006,500 | 5,056 |
| Average equity | $9,379,000 | 5,210 |
| Average total loans | $38,521,500 | 5,917 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 7,101 |
| Cost of funding earning assets | 1.0239% | 5,567 |
| Net interest margin | 3.0186% | 6,704 |
| Noninterest income to average assets | 0.2853% | 5,741 |
| Noninterest expense to average assets | 2.5972% | 5,429 |
| Loan and lease loss provision to assets | 0.0171% | 6,940 |
| Net operating income to assets | 0.3205% | 4,864 |
| Return on assets (ROA) | 0.3205% | 5,028 |
| Pretax return on assets | 0.3953% | 4,959 |
| Return on Equity (ROE) | 3.1832% | 4,881 |
| Retained earnings to average equity (ytd only) | 2.1221% | 4,399 |
| Net charge-offs to loans | 0.0310% | 6,494 |
| Credit loss provision to net charge-offs | 133.3333% | 2,930 |
| Earnings coverage of net charge-offs (x) | 32.1667% | 692 |
| Efficiency ratio | 86.2975% | 1,662 |
| Assets per employee ($millions) | 4.0077% | 3,769 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 5,451 |
| Loan loss allowance to noncurrent loans | 497.8947% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 6,985 |
| Noncurrent loans to loans | 0.2434% | 6,573 |
| Net loans and leases to total assets | 40.0790% | 6,956 |
| Net loans and leases to deposits | 45.3172% | 7,069 |
| Net loans and leases to core deposits | 45.3172% | 7,162 |
| Total domestic deposits to total assets | 88.4410% | 1,989 |
| Equity capital to assets | 9.6990% | 4,135 |
| Core capital (leverage) ratio | 9.2433% | 4,103 |
| Tier 1 risk-based capital ratio | 20.7233% | 1,357 |
| Total risk-based capital ratio | 24.7869% | 959 |
| Memoranda: | ||
| Average total assets | $93,601,200 | 5,174 |
| Average earning assets | $84,477,400 | 5,201 |
| Average equity | $9,424,600 | 5,289 |
| Average total loans | $38,743,000 | 5,976 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0728% | 7,222 |
| Cost of funding earning assets | 1.0674% | 5,606 |
| Net interest margin | 3.0053% | 6,820 |
| Noninterest income to average assets | 0.2883% | 5,811 |
| Noninterest expense to average assets | 2.5761% | 5,412 |
| Loan and lease loss provision to assets | 0.0229% | 6,833 |
| Net operating income to assets | 0.3256% | 5,066 |
| Return on assets (ROA) | 0.3256% | 5,232 |
| Pretax return on assets | 0.4031% | 5,208 |
| Return on Equity (ROE) | 3.2033% | 5,140 |
| Retained earnings to average equity (ytd only) | 2.4976% | 4,672 |
| Net charge-offs to loans | 0.0310% | 6,249 |
| Credit loss provision to net charge-offs | 177.7778% | 2,070 |
| Earnings coverage of net charge-offs (x) | 32.9992% | 813 |
| Efficiency ratio | 85.8098% | 1,652 |
| Assets per employee ($millions) | 3.9831% | 3,876 |
| Cash dividends to net income (ytd only)* | 22.0280% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 5,461 |
| Loan loss allowance to noncurrent loans | 490.7216% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 7,101 |
| Noncurrent loans to loans | 0.2460% | 6,681 |
| Net loans and leases to total assets | 40.7578% | 7,038 |
| Net loans and leases to deposits | 46.4530% | 7,155 |
| Net loans and leases to core deposits | 46.4530% | 7,252 |
| Total domestic deposits to total assets | 87.7398% | 2,138 |
| Equity capital to assets | 10.1178% | 3,994 |
| Core capital (leverage) ratio | 9.5110% | 3,887 |
| Tier 1 risk-based capital ratio | 20.2469% | 1,500 |
| Total risk-based capital ratio | 24.2334% | 1,045 |
| Memoranda: | ||
| Average total assets | $92,955,250 | 5,253 |
| Average earning assets | $83,937,750 | 5,275 |
| Average equity | $9,448,500 | 5,363 |
| Average total loans | $38,673,000 | 6,059 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 7,238 |
| Cost of funding earning assets | 1.1250% | 5,549 |
| Net interest margin | 3.0185% | 6,791 |
| Noninterest income to average assets | 0.2889% | 5,835 |
| Noninterest expense to average assets | 2.5827% | 5,397 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3410% | 5,014 |
| Return on assets (ROA) | 0.3410% | 5,182 |
| Pretax return on assets | 0.4279% | 5,128 |
| Return on Equity (ROE) | 3.3497% | 5,082 |
| Retained earnings to average equity (ytd only) | 2.2829% | 4,704 |
| Net charge-offs to loans | 0.0469% | 5,732 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 21.8889% | 1,158 |
| Efficiency ratio | 85.7864% | 1,739 |
| Assets per employee ($millions) | 3.6795% | 4,525 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 5,354 |
| Loan loss allowance to noncurrent loans | 479.1667% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 7,132 |
| Noncurrent loans to loans | 0.2545% | 6,724 |
| Net loans and leases to total assets | 40.5064% | 7,137 |
| Net loans and leases to deposits | 46.2628% | 7,240 |
| Net loans and leases to core deposits | 46.2628% | 7,339 |
| Total domestic deposits to total assets | 87.5571% | 2,227 |
| Equity capital to assets | 10.3177% | 3,627 |
| Core capital (leverage) ratio | 9.6251% | 3,649 |
| Tier 1 risk-based capital ratio | 21.1126% | 1,319 |
| Total risk-based capital ratio | 25.2648% | 926 |
| Memoranda: | ||
| Average total assets | $92,075,670 | 5,314 |
| Average earning assets | $83,022,330 | 5,337 |
| Average equity | $9,374,000 | 5,388 |
| Average total loans | $38,418,000 | 6,118 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 7,306 |
| Cost of funding earning assets | 1.1749% | 5,533 |
| Net interest margin | 2.9855% | 6,862 |
| Noninterest income to average assets | 0.2822% | 5,885 |
| Noninterest expense to average assets | 2.7312% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2258% | 5,595 |
| Return on assets (ROA) | 0.2258% | 5,716 |
| Pretax return on assets | 0.2432% | 5,761 |
| Return on Equity (ROE) | 2.2328% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.2328% | 4,791 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8248% | 1,291 |
| Assets per employee ($millions) | 3.6670% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 5,413 |
| Loan loss allowance to noncurrent loans | 488.5417% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 7,220 |
| Noncurrent loans to loans | 0.2492% | 6,841 |
| Net loans and leases to total assets | 41.5038% | 7,156 |
| Net loans and leases to deposits | 47.2846% | 7,266 |
| Net loans and leases to core deposits | 47.4728% | 7,380 |
| Total domestic deposits to total assets | 87.7743% | 2,197 |
| Equity capital to assets | 10.1717% | 3,639 |
| Core capital (leverage) ratio | 9.6262% | 3,609 |
| Tier 1 risk-based capital ratio | 20.5134% | 1,426 |
| Total risk-based capital ratio | 24.5930% | 1,007 |
| Memoranda: | ||
| Average total assets | $92,119,500 | 5,384 |
| Average earning assets | $83,068,000 | 5,395 |
| Average equity | $9,315,500 | 5,451 |
| Average total loans | $38,766,500 | 6,176 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4426% | 7,440 |
| Cost of funding earning assets | 1.5576% | 5,242 |
| Net interest margin | 2.8850% | 6,891 |
| Noninterest income to average assets | 0.2962% | 5,993 |
| Noninterest expense to average assets | 2.6751% | 5,497 |
| Loan and lease loss provision to assets | 0.0191% | 7,312 |
| Net operating income to assets | 0.1987% | 4,907 |
| Return on assets (ROA) | 0.2020% | 4,960 |
| Pretax return on assets | 0.2076% | 4,988 |
| Return on Equity (ROE) | 1.9759% | 4,915 |
| Retained earnings to average equity (ytd only) | 1.9759% | 3,718 |
| Net charge-offs to loans | 0.0182% | 6,967 |
| Credit loss provision to net charge-offs | 242.8571% | 1,463 |
| Earnings coverage of net charge-offs (x) | 28.4286% | 805 |
| Efficiency ratio | 92.2958% | 1,543 |
| Assets per employee ($millions) | 3.7025% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 5,346 |
| Loan loss allowance to noncurrent loans | 179.0076% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 6,741 |
| Noncurrent loans to loans | 0.6715% | 5,892 |
| Net loans and leases to total assets | 41.6430% | 7,266 |
| Net loans and leases to deposits | 47.3718% | 7,379 |
| Net loans and leases to core deposits | 51.1464% | 7,557 |
| Total domestic deposits to total assets | 87.9066% | 2,011 |
| Equity capital to assets | 10.0537% | 3,688 |
| Core capital (leverage) ratio | 9.5981% | 3,600 |
| Tier 1 risk-based capital ratio | 20.0526% | 1,452 |
| Total risk-based capital ratio | 24.0640% | 1,037 |
| Memoranda: | ||
| Average total assets | $89,117,000 | 5,420 |
| Average earning assets | $80,380,800 | 5,443 |
| Average equity | $9,109,600 | 5,578 |
| Average total loans | $38,424,800 | 6,179 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 7,514 |
| Cost of funding earning assets | 1.6401% | 5,203 |
| Net interest margin | 2.8514% | 6,965 |
| Noninterest income to average assets | 0.2855% | 6,189 |
| Noninterest expense to average assets | 2.7374% | 5,161 |
| Loan and lease loss provision to assets | 0.0257% | 7,097 |
| Net operating income to assets | 0.0922% | 5,485 |
| Return on assets (ROA) | 0.0967% | 5,527 |
| Pretax return on assets | 0.0982% | 5,530 |
| Return on Equity (ROE) | 0.9418% | 5,513 |
| Retained earnings to average equity (ytd only) | 0.9418% | 4,785 |
| Net charge-offs to loans | 0.0174% | 6,674 |
| Credit loss provision to net charge-offs | 340.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 15.7916% | 1,514 |
| Efficiency ratio | 95.8223% | 1,287 |
| Assets per employee ($millions) | 3.6574% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 5,077 |
| Loan loss allowance to noncurrent loans | 175.0929% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 6,536 |
| Noncurrent loans to loans | 0.6883% | 5,924 |
| Net loans and leases to total assets | 42.2305% | 7,347 |
| Net loans and leases to deposits | 48.1705% | 7,488 |
| Net loans and leases to core deposits | 52.4419% | 7,636 |
| Total domestic deposits to total assets | 87.6687% | 1,818 |
| Equity capital to assets | 9.9930% | 4,093 |
| Core capital (leverage) ratio | 9.5293% | 3,871 |
| Tier 1 risk-based capital ratio | 19.9625% | 1,567 |
| Total risk-based capital ratio | 24.4710% | 1,054 |
| Memoranda: | ||
| Average total assets | $88,255,500 | 5,474 |
| Average earning assets | $79,584,750 | 5,503 |
| Average equity | $9,060,500 | 5,644 |
| Average total loans | $38,277,250 | 6,235 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 7,563 |
| Cost of funding earning assets | 1.7116% | 5,215 |
| Net interest margin | 2.8604% | 6,883 |
| Noninterest income to average assets | 0.2821% | 6,249 |
| Noninterest expense to average assets | 2.7455% | 5,199 |
| Loan and lease loss provision to assets | 0.0115% | 7,097 |
| Net operating income to assets | 0.0988% | 5,567 |
| Return on assets (ROA) | 0.1055% | 5,648 |
| Pretax return on assets | 0.1078% | 5,658 |
| Return on Equity (ROE) | 1.0183% | 5,632 |
| Retained earnings to average equity (ytd only) | 1.0183% | 4,763 |
| Net charge-offs to loans | 0.0263% | 6,107 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 2,073 |
| Efficiency ratio | 96.0674% | 1,370 |
| Assets per employee ($millions) | 3.5860% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 4,847 |
| Loan loss allowance to noncurrent loans | 274.8503% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 7,062 |
| Noncurrent loans to loans | 0.4414% | 6,417 |
| Net loans and leases to total assets | 41.6933% | 7,468 |
| Net loans and leases to deposits | 47.5789% | 7,577 |
| Net loans and leases to core deposits | 51.5076% | 7,726 |
| Total domestic deposits to total assets | 87.6297% | 1,955 |
| Equity capital to assets | 10.0402% | 3,885 |
| Core capital (leverage) ratio | 9.6700% | 3,674 |
| Tier 1 risk-based capital ratio | 20.3102% | 1,515 |
| Total risk-based capital ratio | 24.8787% | 1,054 |
| Memoranda: | ||
| Average total assets | $87,196,000 | 5,549 |
| Average earning assets | $78,521,670 | 5,579 |
| Average equity | $9,035,000 | 5,673 |
| Average total loans | $38,008,330 | 6,295 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 7,520 |
| Cost of funding earning assets | 1.7763% | 5,233 |
| Net interest margin | 2.9124% | 6,715 |
| Noninterest income to average assets | 0.2792% | 6,192 |
| Noninterest expense to average assets | 2.7731% | 4,686 |
| Loan and lease loss provision to assets | 0.0233% | 6,613 |
| Net operating income to assets | 0.1070% | 5,961 |
| Return on assets (ROA) | 0.1070% | 6,124 |
| Pretax return on assets | 0.1070% | 6,151 |
| Return on Equity (ROE) | 1.0163% | 6,121 |
| Retained earnings to average equity (ytd only) | 1.0163% | 5,238 |
| Net charge-offs to loans | 0.0420% | 4,895 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,402 |
| Efficiency ratio | 95.5128% | 1,344 |
| Assets per employee ($millions) | 3.4807% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 4,620 |
| Loan loss allowance to noncurrent loans | 270.5882% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 6,952 |
| Noncurrent loans to loans | 0.4529% | 6,288 |
| Net loans and leases to total assets | 42.6050% | 7,429 |
| Net loans and leases to deposits | 48.8536% | 7,543 |
| Net loans and leases to core deposits | 52.8737% | 7,703 |
| Total domestic deposits to total assets | 87.2095% | 2,117 |
| Equity capital to assets | 10.4001% | 3,564 |
| Core capital (leverage) ratio | 10.1644% | 3,230 |
| Tier 1 risk-based capital ratio | 20.3739% | 1,550 |
| Total risk-based capital ratio | 24.9713% | 1,087 |
| Memoranda: | ||
| Average total assets | $85,969,000 | 5,604 |
| Average earning assets | $77,463,000 | 5,639 |
| Average equity | $9,052,000 | 5,691 |
| Average total loans | $38,094,000 | 6,329 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2989% | 7,598 |
| Cost of funding earning assets | 2.2482% | 5,376 |
| Net interest margin | 3.0507% | 6,786 |
| Noninterest income to average assets | 0.3340% | 6,063 |
| Noninterest expense to average assets | 2.7037% | 5,252 |
| Loan and lease loss provision to assets | 0.0184% | 7,155 |
| Net operating income to assets | 0.3036% | 5,530 |
| Return on assets (ROA) | 0.3119% | 5,315 |
| Pretax return on assets | 0.3708% | 5,332 |
| Return on Equity (ROE) | 2.8960% | 5,275 |
| Retained earnings to average equity (ytd only) | 2.8960% | 3,376 |
| Net charge-offs to loans | 0.0537% | 6,022 |
| Credit loss provision to net charge-offs | 71.4286% | 6,052 |
| Earnings coverage of net charge-offs (x) | 14.7143% | 2,013 |
| Efficiency ratio | 87.6941% | 1,701 |
| Assets per employee ($millions) | 3.3968% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 4,641 |
| Loan loss allowance to noncurrent loans | 459.0000% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 7,106 |
| Noncurrent loans to loans | 0.2587% | 6,606 |
| Net loans and leases to total assets | 44.9776% | 7,409 |
| Net loans and leases to deposits | 51.6987% | 7,548 |
| Net loans and leases to core deposits | 56.5835% | 7,720 |
| Total domestic deposits to total assets | 86.9995% | 1,933 |
| Equity capital to assets | 10.6618% | 3,328 |
| Core capital (leverage) ratio | 10.1497% | 3,318 |
| Tier 1 risk-based capital ratio | 20.1259% | 1,597 |
| Total risk-based capital ratio | 24.6771% | 1,120 |
| Memoranda: | ||
| Average total assets | $81,444,000 | 5,647 |
| Average earning assets | $73,392,000 | 5,691 |
| Average equity | $8,770,600 | 5,822 |
| Average total loans | $39,098,600 | 6,219 |