Home > Community First Bank > Performance and Condition Ratios
Community First Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 2,715 |
| Cost of funding earning assets | 0.6716% | 981 |
| Net interest margin | 3.4799% | 3,581 |
| Noninterest income to average assets | 0.1474% | 5,827 |
| Noninterest expense to average assets | 2.0909% | 5,355 |
| Loan and lease loss provision to assets | 0.2450% | 726 |
| Net operating income to assets | 1.1014% | 1,951 |
| Return on assets (ROA) | 1.1014% | 2,037 |
| Pretax return on assets | 1.1187% | 3,094 |
| Return on Equity (ROE) | 9.0827% | 2,492 |
| Retained earnings to average equity (ytd only) | -107.1217% | 6,340 |
| Net charge-offs to loans | 0.7976% | 275 |
| Credit loss provision to net charge-offs | 37.7025% | 2,842 |
| Earnings coverage of net charge-offs (x) | 2.0987% | 3,406 |
| Efficiency ratio | 60.5263% | 4,907 |
| Assets per employee ($millions) | 6.8165% | 912 |
| Cash dividends to net income (ytd only)* | 1,279.4092% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 3,168 |
| Loan loss allowance to noncurrent loans | 806.4516% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 3,898 |
| Noncurrent loans to loans | 0.1629% | 5,111 |
| Net loans and leases to total assets | 82.6436% | 501 |
| Net loans and leases to deposits | 89.8507% | 1,614 |
| Net loans and leases to core deposits | 106.4828% | 1,049 |
| Total domestic deposits to total assets | 91.9788% | 126 |
| Equity capital to assets | 7.9058% | 6,019 |
| Core capital (leverage) ratio | 7.5016% | 6,098 |
| Tier 1 risk-based capital ratio | 8.4238% | 6,284 |
| Total risk-based capital ratio | 9.5961% | 6,281 |
| Memoranda: | ||
| Average total assets | $209,001,000 | 2,902 |
| Average earning assets | $198,626,670 | 2,835 |
| Average equity | $25,345,000 | 2,694 |
| Average total loans | $170,252,670 | 2,374 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 2,901 |
| Cost of funding earning assets | 0.6485% | 1,128 |
| Net interest margin | 3.4356% | 3,684 |
| Noninterest income to average assets | 0.2064% | 5,478 |
| Noninterest expense to average assets | 1.9370% | 5,695 |
| Loan and lease loss provision to assets | 0.1325% | 1,555 |
| Net operating income to assets | 1.3860% | 1,056 |
| Return on assets (ROA) | 1.3860% | 1,114 |
| Pretax return on assets | 1.4068% | 1,866 |
| Return on Equity (ROE) | 9.7815% | 2,103 |
| Retained earnings to average equity (ytd only) | 4.0489% | 3,576 |
| Net charge-offs to loans | 0.0778% | 1,924 |
| Credit loss provision to net charge-offs | 212.1212% | 1,017 |
| Earnings coverage of net charge-offs (x) | 24.6364% | 1,290 |
| Efficiency ratio | 55.7190% | 5,535 |
| Assets per employee ($millions) | 6.8187% | 934 |
| Cash dividends to net income (ytd only)* | 58.6066% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 2,041 |
| Loan loss allowance to noncurrent loans | 7,134.2105% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 4,552 |
| Noncurrent loans to loans | 0.0225% | 5,715 |
| Net loans and leases to total assets | 78.7350% | 833 |
| Net loans and leases to deposits | 94.6146% | 927 |
| Net loans and leases to core deposits | 105.3008% | 987 |
| Total domestic deposits to total assets | 83.2165% | 4,111 |
| Equity capital to assets | 14.2289% | 916 |
| Core capital (leverage) ratio | 14.3560% | 726 |
| Tier 1 risk-based capital ratio | 18.0752% | 2,114 |
| Total risk-based capital ratio | 19.3305% | 2,064 |
| Memoranda: | ||
| Average total assets | $211,254,000 | 2,895 |
| Average earning assets | $201,070,000 | 2,820 |
| Average equity | $29,934,000 | 2,360 |
| Average total loans | $169,753,000 | 2,368 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 2,542 |
| Cost of funding earning assets | 0.6659% | 1,293 |
| Net interest margin | 3.6513% | 3,215 |
| Noninterest income to average assets | 0.2174% | 5,549 |
| Noninterest expense to average assets | 2.1684% | 5,414 |
| Loan and lease loss provision to assets | 0.0551% | 3,449 |
| Net operating income to assets | 1.4397% | 1,002 |
| Return on assets (ROA) | 1.4397% | 1,035 |
| Pretax return on assets | 1.4617% | 1,683 |
| Return on Equity (ROE) | 10.2644% | 2,003 |
| Retained earnings to average equity (ytd only) | 3.7173% | 3,570 |
| Net charge-offs to loans | 0.2395% | 1,769 |
| Credit loss provision to net charge-offs | 28.1174% | 3,867 |
| Earnings coverage of net charge-offs (x) | 7.7457% | 2,985 |
| Efficiency ratio | 58.8411% | 5,364 |
| Assets per employee ($millions) | 6.8106% | 920 |
| Cash dividends to net income (ytd only)* | 63.7845% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 2,195 |
| Loan loss allowance to noncurrent loans | 870.6840% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 4,114 |
| Noncurrent loans to loans | 0.1802% | 5,185 |
| Net loans and leases to total assets | 79.4267% | 816 |
| Net loans and leases to deposits | 95.3912% | 950 |
| Net loans and leases to core deposits | 106.1738% | 1,010 |
| Total domestic deposits to total assets | 83.2642% | 3,989 |
| Equity capital to assets | 14.1104% | 918 |
| Core capital (leverage) ratio | 14.0486% | 805 |
| Tier 1 risk-based capital ratio | 17.7305% | 2,225 |
| Total risk-based capital ratio | 18.9862% | 2,192 |
| Memoranda: | ||
| Average total assets | $208,859,400 | 2,886 |
| Average earning assets | $198,366,000 | 2,822 |
| Average equity | $29,295,400 | 2,321 |
| Average total loans | $170,749,000 | 2,317 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,482 |
| Cost of funding earning assets | 0.6699% | 1,319 |
| Net interest margin | 3.6635% | 3,175 |
| Noninterest income to average assets | 0.2260% | 5,578 |
| Noninterest expense to average assets | 2.1713% | 5,404 |
| Loan and lease loss provision to assets | 0.0640% | 3,069 |
| Net operating income to assets | 1.4441% | 1,041 |
| Return on assets (ROA) | 1.4441% | 1,081 |
| Pretax return on assets | 1.4665% | 1,747 |
| Return on Equity (ROE) | 10.3112% | 2,064 |
| Retained earnings to average equity (ytd only) | 3.7479% | 3,981 |
| Net charge-offs to loans | 0.0023% | 4,637 |
| Credit loss provision to net charge-offs | 3,333.3333% | 112 |
| Earnings coverage of net charge-offs (x) | 796.9800% | 92 |
| Efficiency ratio | 58.6547% | 5,356 |
| Assets per employee ($millions) | 6.7393% | 894 |
| Cash dividends to net income (ytd only)* | 63.6526% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 1,708 |
| Loan loss allowance to noncurrent loans | 243.9490% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 3,302 |
| Noncurrent loans to loans | 0.7348% | 3,764 |
| Net loans and leases to total assets | 80.3498% | 679 |
| Net loans and leases to deposits | 96.5097% | 842 |
| Net loans and leases to core deposits | 107.5437% | 871 |
| Total domestic deposits to total assets | 83.2557% | 4,048 |
| Equity capital to assets | 14.1471% | 953 |
| Core capital (leverage) ratio | 13.9888% | 846 |
| Tier 1 risk-based capital ratio | 17.6208% | 2,349 |
| Total risk-based capital ratio | 18.8790% | 2,305 |
| Memoranda: | ||
| Average total assets | $208,292,250 | 2,920 |
| Average earning assets | $197,622,250 | 2,857 |
| Average equity | $29,171,500 | 2,340 |
| Average total loans | $170,845,000 | 2,334 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 2,479 |
| Cost of funding earning assets | 0.6734% | 1,351 |
| Net interest margin | 3.6559% | 3,117 |
| Noninterest income to average assets | 0.2432% | 5,455 |
| Noninterest expense to average assets | 2.1866% | 5,449 |
| Loan and lease loss provision to assets | 0.0673% | 2,917 |
| Net operating income to assets | 1.4321% | 997 |
| Return on assets (ROA) | 1.4321% | 1,036 |
| Pretax return on assets | 1.4542% | 1,700 |
| Return on Equity (ROE) | 10.2605% | 2,029 |
| Retained earnings to average equity (ytd only) | 3.6773% | 3,852 |
| Net charge-offs to loans | 0.0059% | 4,177 |
| Credit loss provision to net charge-offs | 1,400.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 316.6000% | 218 |
| Efficiency ratio | 58.9684% | 5,434 |
| Assets per employee ($millions) | 6.7678% | 892 |
| Cash dividends to net income (ytd only)* | 64.1611% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 1,895 |
| Loan loss allowance to noncurrent loans | 446.6863% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 4,289 |
| Noncurrent loans to loans | 0.3985% | 4,792 |
| Net loans and leases to total assets | 79.7652% | 713 |
| Net loans and leases to deposits | 93.4024% | 1,016 |
| Net loans and leases to core deposits | 103.5691% | 1,048 |
| Total domestic deposits to total assets | 85.3996% | 3,325 |
| Equity capital to assets | 13.9579% | 983 |
| Core capital (leverage) ratio | 14.0192% | 824 |
| Tier 1 risk-based capital ratio | 17.5697% | 2,393 |
| Total risk-based capital ratio | 18.8282% | 2,362 |
| Memoranda: | ||
| Average total assets | $208,083,330 | 2,938 |
| Average earning assets | $197,217,330 | 2,867 |
| Average equity | $29,043,330 | 2,336 |
| Average total loans | $170,816,670 | 2,331 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 2,450 |
| Cost of funding earning assets | 0.6789% | 1,372 |
| Net interest margin | 3.6406% | 3,097 |
| Noninterest income to average assets | 0.2953% | 5,004 |
| Noninterest expense to average assets | 2.1889% | 5,487 |
| Loan and lease loss provision to assets | 0.0869% | 2,470 |
| Net operating income to assets | 1.4535% | 893 |
| Return on assets (ROA) | 1.4535% | 924 |
| Pretax return on assets | 1.4767% | 1,500 |
| Return on Equity (ROE) | 10.4139% | 1,906 |
| Retained earnings to average equity (ytd only) | 5.3245% | 2,906 |
| Net charge-offs to loans | 0.1076% | 2,105 |
| Credit loss provision to net charge-offs | 97.8261% | 1,719 |
| Earnings coverage of net charge-offs (x) | 17.6087% | 1,453 |
| Efficiency ratio | 58.3333% | 5,616 |
| Assets per employee ($millions) | 6.7171% | 915 |
| Cash dividends to net income (ytd only)* | 48.8712% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 2,178 |
| Loan loss allowance to noncurrent loans | 420.2550% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 4,064 |
| Noncurrent loans to loans | 0.4176% | 4,882 |
| Net loans and leases to total assets | 79.7656% | 575 |
| Net loans and leases to deposits | 93.3958% | 842 |
| Net loans and leases to core deposits | 102.6811% | 947 |
| Total domestic deposits to total assets | 85.4060% | 3,668 |
| Equity capital to assets | 13.9908% | 918 |
| Core capital (leverage) ratio | 13.9368% | 840 |
| Tier 1 risk-based capital ratio | 17.5291% | 2,470 |
| Total risk-based capital ratio | 18.7869% | 2,436 |
| Memoranda: | ||
| Average total assets | $207,224,000 | 2,967 |
| Average earning assets | $196,782,000 | 2,888 |
| Average equity | $28,923,000 | 2,331 |
| Average total loans | $171,034,000 | 2,331 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 2,313 |
| Cost of funding earning assets | 0.7437% | 1,539 |
| Net interest margin | 3.7276% | 2,945 |
| Noninterest income to average assets | 0.2634% | 5,459 |
| Noninterest expense to average assets | 2.2272% | 5,565 |
| Loan and lease loss provision to assets | 0.1397% | 2,561 |
| Net operating income to assets | 1.4103% | 1,003 |
| Return on assets (ROA) | 1.4103% | 1,043 |
| Pretax return on assets | 1.4322% | 1,679 |
| Return on Equity (ROE) | 10.2315% | 2,021 |
| Retained earnings to average equity (ytd only) | 2.3592% | 4,566 |
| Net charge-offs to loans | 0.1765% | 3,066 |
| Credit loss provision to net charge-offs | 97.2881% | 2,555 |
| Earnings coverage of net charge-offs (x) | 10.9458% | 2,297 |
| Efficiency ratio | 58.6238% | 5,661 |
| Assets per employee ($millions) | 6.8739% | 817 |
| Cash dividends to net income (ytd only)* | 76.9417% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7150% | 2,355 |
| Loan loss allowance to noncurrent loans | 470.2060% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7909% | 3,909 |
| Noncurrent loans to loans | 0.3647% | 5,097 |
| Net loans and leases to total assets | 82.4555% | 371 |
| Net loans and leases to deposits | 96.6471% | 692 |
| Net loans and leases to core deposits | 106.0888% | 793 |
| Total domestic deposits to total assets | 85.3160% | 3,588 |
| Equity capital to assets | 13.9236% | 930 |
| Core capital (leverage) ratio | 13.8947% | 853 |
| Tier 1 risk-based capital ratio | 17.1125% | 2,558 |
| Total risk-based capital ratio | 18.3703% | 2,529 |
| Memoranda: | ||
| Average total assets | $205,416,800 | 2,966 |
| Average earning assets | $194,842,000 | 2,892 |
| Average equity | $28,314,600 | 2,355 |
| Average total loans | $167,172,400 | 2,335 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 2,380 |
| Cost of funding earning assets | 0.7572% | 1,555 |
| Net interest margin | 3.7045% | 3,014 |
| Noninterest income to average assets | 0.2761% | 5,470 |
| Noninterest expense to average assets | 2.2252% | 5,545 |
| Loan and lease loss provision to assets | 0.1657% | 2,187 |
| Net operating income to assets | 1.3793% | 1,150 |
| Return on assets (ROA) | 1.3793% | 1,193 |
| Pretax return on assets | 1.4008% | 1,924 |
| Return on Equity (ROE) | 10.0323% | 2,164 |
| Retained earnings to average equity (ytd only) | 1.9800% | 5,140 |
| Net charge-offs to loans | 0.1400% | 3,139 |
| Credit loss provision to net charge-offs | 146.5517% | 1,608 |
| Earnings coverage of net charge-offs (x) | 13.8566% | 1,987 |
| Efficiency ratio | 58.6875% | 5,600 |
| Assets per employee ($millions) | 6.8989% | 789 |
| Cash dividends to net income (ytd only)* | 80.2635% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 2,308 |
| Loan loss allowance to noncurrent loans | 353.8194% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9161% | 3,844 |
| Noncurrent loans to loans | 0.5084% | 4,922 |
| Net loans and leases to total assets | 80.6395% | 486 |
| Net loans and leases to deposits | 94.2176% | 816 |
| Net loans and leases to core deposits | 101.7528% | 1,010 |
| Total domestic deposits to total assets | 85.5886% | 3,457 |
| Equity capital to assets | 13.7490% | 1,036 |
| Core capital (leverage) ratio | 13.6524% | 970 |
| Tier 1 risk-based capital ratio | 17.2457% | 2,613 |
| Total risk-based capital ratio | 18.5043% | 2,570 |
| Memoranda: | ||
| Average total assets | $205,216,500 | 2,987 |
| Average earning assets | $194,749,250 | 2,916 |
| Average equity | $28,215,000 | 2,393 |
| Average total loans | $165,714,250 | 2,361 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 2,335 |
| Cost of funding earning assets | 0.7739% | 1,561 |
| Net interest margin | 3.6901% | 2,994 |
| Noninterest income to average assets | 0.2815% | 5,435 |
| Noninterest expense to average assets | 2.2000% | 5,631 |
| Loan and lease loss provision to assets | 0.2043% | 1,858 |
| Net operating income to assets | 1.3576% | 1,174 |
| Return on assets (ROA) | 1.3576% | 1,260 |
| Pretax return on assets | 1.3771% | 2,012 |
| Return on Equity (ROE) | 9.8739% | 2,249 |
| Retained earnings to average equity (ytd only) | 0.6042% | 5,658 |
| Net charge-offs to loans | 0.1911% | 2,608 |
| Credit loss provision to net charge-offs | 133.1210% | 1,707 |
| Earnings coverage of net charge-offs (x) | 10.3057% | 2,167 |
| Efficiency ratio | 58.1804% | 5,710 |
| Assets per employee ($millions) | 6.9239% | 745 |
| Cash dividends to net income (ytd only)* | 93.8805% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7964% | 2,447 |
| Loan loss allowance to noncurrent loans | 327.5974% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 3,839 |
| Noncurrent loans to loans | 0.5484% | 4,885 |
| Net loans and leases to total assets | 79.6623% | 568 |
| Net loans and leases to deposits | 92.8216% | 898 |
| Net loans and leases to core deposits | 99.9547% | 1,080 |
| Total domestic deposits to total assets | 85.8231% | 3,463 |
| Equity capital to assets | 13.5660% | 1,097 |
| Core capital (leverage) ratio | 13.4065% | 1,014 |
| Tier 1 risk-based capital ratio | 16.9549% | 2,734 |
| Total risk-based capital ratio | 18.2132% | 2,700 |
| Memoranda: | ||
| Average total assets | $204,632,670 | 3,007 |
| Average earning assets | $194,086,000 | 2,941 |
| Average equity | $28,134,670 | 2,414 |
| Average total loans | $164,300,670 | 2,379 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5016% | 2,161 |
| Cost of funding earning assets | 0.8105% | 1,473 |
| Net interest margin | 3.6910% | 2,888 |
| Noninterest income to average assets | 0.3073% | 5,232 |
| Noninterest expense to average assets | 2.2630% | 5,524 |
| Loan and lease loss provision to assets | 0.2048% | 1,813 |
| Net operating income to assets | 1.3216% | 1,224 |
| Return on assets (ROA) | 1.3216% | 1,327 |
| Pretax return on assets | 1.3373% | 2,089 |
| Return on Equity (ROE) | 9.5474% | 2,244 |
| Retained earnings to average equity (ytd only) | -0.5976% | 5,895 |
| Net charge-offs to loans | -0.0419% | 6,051 |
| Credit loss provision to net charge-offs | -611.7647% | 5,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4720% | 5,660 |
| Assets per employee ($millions) | 6.7948% | 851 |
| Cash dividends to net income (ytd only)* | 106.2593% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9237% | 2,233 |
| Loan loss allowance to noncurrent loans | 297.6923% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 1.0724% | 3,786 |
| Noncurrent loans to loans | 0.6462% | 4,829 |
| Net loans and leases to total assets | 77.4337% | 674 |
| Net loans and leases to deposits | 90.4089% | 932 |
| Net loans and leases to core deposits | 97.5104% | 1,115 |
| Total domestic deposits to total assets | 85.6483% | 3,711 |
| Equity capital to assets | 13.8003% | 1,092 |
| Core capital (leverage) ratio | 13.8085% | 848 |
| Tier 1 risk-based capital ratio | 17.5872% | 2,524 |
| Total risk-based capital ratio | 18.8470% | 2,490 |
| Memoranda: | ||
| Average total assets | $203,090,000 | 3,067 |
| Average earning assets | $192,467,000 | 2,982 |
| Average equity | $28,112,500 | 2,433 |
| Average total loans | $162,201,000 | 2,423 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 1,994 |
| Cost of funding earning assets | 0.9444% | 1,672 |
| Net interest margin | 3.9139% | 2,766 |
| Noninterest income to average assets | 0.2951% | 5,358 |
| Noninterest expense to average assets | 2.2238% | 5,873 |
| Loan and lease loss provision to assets | 0.5522% | 1,037 |
| Net operating income to assets | 1.2149% | 1,553 |
| Return on assets (ROA) | 1.2149% | 1,716 |
| Pretax return on assets | 1.2149% | 2,749 |
| Return on Equity (ROE) | 8.8027% | 2,733 |
| Retained earnings to average equity (ytd only) | 3.2616% | 3,931 |
| Net charge-offs to loans | 0.4155% | 2,583 |
| Credit loss provision to net charge-offs | 161.1679% | 1,668 |
| Earnings coverage of net charge-offs (x) | 5.1577% | 3,132 |
| Efficiency ratio | 55.7213% | 6,085 |
| Assets per employee ($millions) | 6.7445% | 874 |
| Cash dividends to net income (ytd only)* | 62.9477% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8200% | 2,527 |
| Loan loss allowance to noncurrent loans | 207.8966% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 1.5222% | 3,097 |
| Noncurrent loans to loans | 0.8754% | 4,428 |
| Net loans and leases to total assets | 79.3171% | 532 |
| Net loans and leases to deposits | 93.1218% | 819 |
| Net loans and leases to core deposits | 100.0961% | 1,019 |
| Total domestic deposits to total assets | 85.1756% | 3,776 |
| Equity capital to assets | 13.8848% | 1,090 |
| Core capital (leverage) ratio | 13.7988% | 860 |
| Tier 1 risk-based capital ratio | 17.4503% | 2,469 |
| Total risk-based capital ratio | 18.7091% | 2,437 |
| Memoranda: | ||
| Average total assets | $199,931,000 | 3,047 |
| Average earning assets | $188,788,200 | 2,977 |
| Average equity | $27,593,800 | 2,434 |
| Average total loans | $164,863,000 | 2,363 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 2,053 |
| Cost of funding earning assets | 0.9820% | 1,666 |
| Net interest margin | 3.9066% | 2,893 |
| Noninterest income to average assets | 0.2789% | 5,543 |
| Noninterest expense to average assets | 2.2227% | 5,903 |
| Loan and lease loss provision to assets | 0.6542% | 804 |
| Net operating income to assets | 1.0876% | 2,137 |
| Return on assets (ROA) | 1.0876% | 2,334 |
| Pretax return on assets | 1.0876% | 3,396 |
| Return on Equity (ROE) | 7.8924% | 3,328 |
| Retained earnings to average equity (ytd only) | 2.6551% | 4,971 |
| Net charge-offs to loans | 0.5342% | 2,003 |
| Credit loss provision to net charge-offs | 147.7341% | 1,919 |
| Earnings coverage of net charge-offs (x) | 3.9336% | 3,449 |
| Efficiency ratio | 56.0655% | 6,049 |
| Assets per employee ($millions) | 6.3100% | 1,057 |
| Cash dividends to net income (ytd only)* | 66.3590% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7125% | 3,106 |
| Loan loss allowance to noncurrent loans | 301.3641% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 1.3882% | 3,524 |
| Noncurrent loans to loans | 0.5682% | 5,301 |
| Net loans and leases to total assets | 81.6343% | 376 |
| Net loans and leases to deposits | 95.6747% | 678 |
| Net loans and leases to core deposits | 102.5182% | 957 |
| Total domestic deposits to total assets | 85.3249% | 3,603 |
| Equity capital to assets | 13.7604% | 1,250 |
| Core capital (leverage) ratio | 13.6691% | 954 |
| Tier 1 risk-based capital ratio | 16.9740% | 2,744 |
| Total risk-based capital ratio | 18.2315% | 2,701 |
| Memoranda: | ||
| Average total assets | $199,329,750 | 3,085 |
| Average earning assets | $188,054,250 | 3,015 |
| Average equity | $27,468,750 | 2,462 |
| Average total loans | $165,213,250 | 2,386 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9035% | 2,097 |
| Cost of funding earning assets | 1.0280% | 1,594 |
| Net interest margin | 3.8755% | 3,015 |
| Noninterest income to average assets | 0.2650% | 5,684 |
| Noninterest expense to average assets | 2.1807% | 6,057 |
| Loan and lease loss provision to assets | 0.8142% | 610 |
| Net operating income to assets | 0.9362% | 2,736 |
| Return on assets (ROA) | 0.9362% | 2,998 |
| Pretax return on assets | 0.9362% | 3,937 |
| Return on Equity (ROE) | 6.7901% | 3,894 |
| Retained earnings to average equity (ytd only) | 1.2718% | 5,563 |
| Net charge-offs to loans | 0.8176% | 1,348 |
| Credit loss provision to net charge-offs | 120.2381% | 2,286 |
| Earnings coverage of net charge-offs (x) | 2.5848% | 3,710 |
| Efficiency ratio | 55.4730% | 6,176 |
| Assets per employee ($millions) | 6.5103% | 949 |
| Cash dividends to net income (ytd only)* | 81.2702% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 3,448 |
| Loan loss allowance to noncurrent loans | 614.6119% | 615 |
| Noncurrent assets plus other real estate owned to assets | 1.2273% | 3,961 |
| Noncurrent loans to loans | 0.2674% | 6,043 |
| Net loans and leases to total assets | 79.8370% | 531 |
| Net loans and leases to deposits | 93.2950% | 827 |
| Net loans and leases to core deposits | 98.5444% | 1,213 |
| Total domestic deposits to total assets | 85.5748% | 3,577 |
| Equity capital to assets | 13.5591% | 1,278 |
| Core capital (leverage) ratio | 13.4359% | 997 |
| Tier 1 risk-based capital ratio | 16.3623% | 2,975 |
| Total risk-based capital ratio | 17.6178% | 2,948 |
| Memoranda: | ||
| Average total assets | $198,466,330 | 3,097 |
| Average earning assets | $187,741,670 | 3,022 |
| Average equity | $27,363,330 | 2,455 |
| Average total loans | $164,381,670 | 2,410 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9294% | 2,138 |
| Cost of funding earning assets | 1.0300% | 1,812 |
| Net interest margin | 3.8994% | 2,924 |
| Noninterest income to average assets | 0.2724% | 5,692 |
| Noninterest expense to average assets | 2.1139% | 6,245 |
| Loan and lease loss provision to assets | 0.3151% | 1,989 |
| Net operating income to assets | 1.5448% | 950 |
| Return on assets (ROA) | 1.5448% | 1,066 |
| Pretax return on assets | 1.5448% | 1,758 |
| Return on Equity (ROE) | 11.1101% | 1,979 |
| Retained earnings to average equity (ytd only) | 6.3444% | 2,775 |
| Net charge-offs to loans | 0.1215% | 3,384 |
| Credit loss provision to net charge-offs | 310.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 18.3000% | 1,273 |
| Efficiency ratio | 53.1969% | 6,420 |
| Assets per employee ($millions) | 6.9881% | 761 |
| Cash dividends to net income (ytd only)* | 42.8947% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 3,655 |
| Loan loss allowance to noncurrent loans | 132.8862% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 1.3560% | 3,849 |
| Noncurrent loans to loans | 1.2171% | 4,300 |
| Net loans and leases to total assets | 80.2927% | 379 |
| Net loans and leases to deposits | 93.7775% | 683 |
| Net loans and leases to core deposits | 101.2980% | 902 |
| Total domestic deposits to total assets | 85.6205% | 3,729 |
| Equity capital to assets | 13.6201% | 1,190 |
| Core capital (leverage) ratio | 13.9437% | 818 |
| Tier 1 risk-based capital ratio | 17.0121% | 2,675 |
| Total risk-based capital ratio | 18.2683% | 2,636 |
| Memoranda: | ||
| Average total assets | $196,789,500 | 3,148 |
| Average earning assets | $186,799,000 | 3,056 |
| Average equity | $27,362,500 | 2,448 |
| Average total loans | $164,663,000 | 2,418 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1529% | 2,242 |
| Cost of funding earning assets | 1.3568% | 1,211 |
| Net interest margin | 3.7961% | 3,838 |
| Noninterest income to average assets | 0.3051% | 5,354 |
| Noninterest expense to average assets | 2.1509% | 6,382 |
| Loan and lease loss provision to assets | 0.6008% | 1,720 |
| Net operating income to assets | 1.1564% | 1,653 |
| Return on assets (ROA) | 1.1564% | 1,761 |
| Pretax return on assets | 1.1675% | 2,585 |
| Return on Equity (ROE) | 9.6630% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.4404% | 2,342 |
| Net charge-offs to loans | 0.8833% | 1,973 |
| Credit loss provision to net charge-offs | 79.4179% | 4,482 |
| Earnings coverage of net charge-offs (x) | 2.3375% | 4,049 |
| Efficiency ratio | 54.8823% | 6,439 |
| Assets per employee ($millions) | 6.8187% | 810 |
| Cash dividends to net income (ytd only)* | 43.6990% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 3,687 |
| Loan loss allowance to noncurrent loans | 124.0385% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4236% | 3,857 |
| Noncurrent loans to loans | 1.2688% | 4,253 |
| Net loans and leases to total assets | 84.5121% | 192 |
| Net loans and leases to deposits | 99.8385% | 463 |
| Net loans and leases to core deposits | 105.7040% | 805 |
| Total domestic deposits to total assets | 84.6488% | 4,019 |
| Equity capital to assets | 14.2063% | 1,000 |
| Core capital (leverage) ratio | 13.9771% | 830 |
| Tier 1 risk-based capital ratio | 16.9997% | 2,607 |
| Total risk-based capital ratio | 18.2550% | 2,555 |
| Memoranda: | ||
| Average total assets | $190,757,200 | 3,176 |
| Average earning assets | $181,605,400 | 3,070 |
| Average equity | $22,829,400 | 2,801 |
| Average total loans | $163,358,400 | 2,451 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1564% | 2,359 |
| Cost of funding earning assets | 1.4095% | 1,196 |
| Net interest margin | 3.7469% | 4,121 |
| Noninterest income to average assets | 0.3328% | 5,198 |
| Noninterest expense to average assets | 2.1903% | 6,299 |
| Loan and lease loss provision to assets | 0.3859% | 2,542 |
| Net operating income to assets | 1.3192% | 1,326 |
| Return on assets (ROA) | 1.3192% | 1,414 |
| Pretax return on assets | 1.3304% | 2,181 |
| Return on Equity (ROE) | 11.5644% | 1,658 |
| Retained earnings to average equity (ytd only) | 7.8138% | 1,584 |
| Net charge-offs to loans | 0.3929% | 3,152 |
| Credit loss provision to net charge-offs | 114.7609% | 2,848 |
| Earnings coverage of net charge-offs (x) | 5.1039% | 2,876 |
| Efficiency ratio | 56.0666% | 6,278 |
| Assets per employee ($millions) | 6.8710% | 787 |
| Cash dividends to net income (ytd only)* | 32.4324% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8051% | 2,924 |
| Loan loss allowance to noncurrent loans | 140.9852% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 1.4185% | 4,002 |
| Noncurrent loans to loans | 1.2804% | 4,392 |
| Net loans and leases to total assets | 83.3550% | 264 |
| Net loans and leases to deposits | 98.6625% | 535 |
| Net loans and leases to core deposits | 107.2841% | 798 |
| Total domestic deposits to total assets | 84.4850% | 4,017 |
| Equity capital to assets | 14.1168% | 1,113 |
| Core capital (leverage) ratio | 14.2229% | 837 |
| Tier 1 risk-based capital ratio | 16.9466% | 2,662 |
| Total risk-based capital ratio | 18.2046% | 2,631 |
| Memoranda: | ||
| Average total assets | $190,715,750 | 3,193 |
| Average earning assets | $181,904,250 | 3,082 |
| Average equity | $21,756,000 | 2,906 |
| Average total loans | $163,214,750 | 2,464 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 2,343 |
| Cost of funding earning assets | 1.4262% | 1,303 |
| Net interest margin | 3.7542% | 4,014 |
| Noninterest income to average assets | 0.4144% | 4,557 |
| Noninterest expense to average assets | 2.1214% | 6,550 |
| Loan and lease loss provision to assets | 0.3387% | 2,756 |
| Net operating income to assets | 1.5345% | 827 |
| Return on assets (ROA) | 1.5345% | 881 |
| Pretax return on assets | 1.5450% | 1,387 |
| Return on Equity (ROE) | 14.6229% | 867 |
| Retained earnings to average equity (ytd only) | 11.7965% | 546 |
| Net charge-offs to loans | 0.0208% | 5,548 |
| Credit loss provision to net charge-offs | 1,894.1176% | 177 |
| Earnings coverage of net charge-offs (x) | 105.3529% | 344 |
| Efficiency ratio | 52.9674% | 6,717 |
| Assets per employee ($millions) | 6.6963% | 844 |
| Cash dividends to net income (ytd only)* | 19.3283% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9691% | 2,453 |
| Loan loss allowance to noncurrent loans | 122.6204% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6310% | 3,737 |
| Noncurrent loans to loans | 1.6059% | 3,982 |
| Net loans and leases to total assets | 84.4887% | 216 |
| Net loans and leases to deposits | 96.0725% | 718 |
| Net loans and leases to core deposits | 110.8133% | 698 |
| Total domestic deposits to total assets | 87.9426% | 2,173 |
| Equity capital to assets | 10.9486% | 3,013 |
| Core capital (leverage) ratio | 10.7081% | 2,512 |
| Tier 1 risk-based capital ratio | 13.2635% | 4,719 |
| Total risk-based capital ratio | 14.5243% | 4,686 |
| Memoranda: | ||
| Average total assets | $190,158,330 | 3,223 |
| Average earning assets | $181,876,670 | 3,100 |
| Average equity | $19,955,000 | 3,133 |
| Average total loans | $163,182,000 | 2,490 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1561% | 2,402 |
| Cost of funding earning assets | 1.4267% | 1,484 |
| Net interest margin | 3.7295% | 3,949 |
| Noninterest income to average assets | 0.5932% | 3,225 |
| Noninterest expense to average assets | 2.0889% | 6,659 |
| Loan and lease loss provision to assets | 0.3238% | 2,607 |
| Net operating income to assets | 1.7359% | 549 |
| Return on assets (ROA) | 1.7359% | 577 |
| Pretax return on assets | 1.7463% | 902 |
| Return on Equity (ROE) | 16.9001% | 582 |
| Retained earnings to average equity (ytd only) | 16.9001% | 285 |
| Net charge-offs to loans | -0.0098% | 6,360 |
| Credit loss provision to net charge-offs | -3,875.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2260% | 6,972 |
| Assets per employee ($millions) | 6.8314% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8428% | 2,874 |
| Loan loss allowance to noncurrent loans | 172.5981% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 1.2171% | 4,517 |
| Noncurrent loans to loans | 1.0677% | 4,915 |
| Net loans and leases to total assets | 84.5451% | 202 |
| Net loans and leases to deposits | 95.7427% | 708 |
| Net loans and leases to core deposits | 112.4182% | 646 |
| Total domestic deposits to total assets | 88.3045% | 2,191 |
| Equity capital to assets | 10.5239% | 3,155 |
| Core capital (leverage) ratio | 10.5174% | 2,593 |
| Tier 1 risk-based capital ratio | 12.7313% | 5,032 |
| Total risk-based capital ratio | 13.9906% | 5,002 |
| Memoranda: | ||
| Average total assets | $191,490,000 | 3,226 |
| Average earning assets | $183,082,500 | 3,095 |
| Average equity | $19,668,500 | 3,163 |
| Average total loans | $163,976,000 | 2,507 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4091% | 2,631 |
| Cost of funding earning assets | 1.7125% | 1,541 |
| Net interest margin | 3.6966% | 4,360 |
| Noninterest income to average assets | 0.3201% | 5,500 |
| Noninterest expense to average assets | 2.0102% | 7,005 |
| Loan and lease loss provision to assets | 0.8718% | 1,873 |
| Net operating income to assets | 0.9402% | 2,240 |
| Return on assets (ROA) | 0.9402% | 2,364 |
| Pretax return on assets | 0.9582% | 3,074 |
| Return on Equity (ROE) | 9.4677% | 2,123 |
| Retained earnings to average equity (ytd only) | 0.2402% | 5,454 |
| Net charge-offs to loans | 0.8229% | 2,575 |
| Credit loss provision to net charge-offs | 123.1287% | 3,379 |
| Earnings coverage of net charge-offs (x) | 2.5846% | 3,812 |
| Efficiency ratio | 52.3461% | 6,962 |
| Assets per employee ($millions) | 6.8465% | 798 |
| Cash dividends to net income (ytd only)* | 97.4634% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 2,981 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 4,462 |
| Noncurrent loans to loans | 0.7555% | 5,530 |
| Net loans and leases to total assets | 83.6313% | 335 |
| Net loans and leases to deposits | 94.4304% | 1,014 |
| Net loans and leases to core deposits | 111.8770% | 821 |
| Total domestic deposits to total assets | 88.5640% | 1,912 |
| Equity capital to assets | 10.0192% | 3,722 |
| Core capital (leverage) ratio | 9.9313% | 3,162 |
| Tier 1 risk-based capital ratio | 12.2560% | 5,252 |
| Total risk-based capital ratio | 13.5138% | 5,210 |
| Memoranda: | ||
| Average total assets | $188,686,400 | 3,245 |
| Average earning assets | $179,677,200 | 3,127 |
| Average equity | $18,737,400 | 3,309 |
| Average total loans | $162,349,600 | 2,589 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4376% | 2,705 |
| Cost of funding earning assets | 1.7728% | 1,537 |
| Net interest margin | 3.6648% | 4,573 |
| Noninterest income to average assets | 0.3214% | 5,583 |
| Noninterest expense to average assets | 2.0447% | 6,970 |
| Loan and lease loss provision to assets | 0.5243% | 2,838 |
| Net operating income to assets | 1.2224% | 1,532 |
| Return on assets (ROA) | 1.2224% | 1,607 |
| Pretax return on assets | 1.2401% | 2,361 |
| Return on Equity (ROE) | 12.3377% | 1,416 |
| Retained earnings to average equity (ytd only) | 2.7854% | 4,482 |
| Net charge-offs to loans | 0.3832% | 3,759 |
| Credit loss provision to net charge-offs | 158.5837% | 2,402 |
| Earnings coverage of net charge-offs (x) | 5.3369% | 2,774 |
| Efficiency ratio | 53.6785% | 6,816 |
| Assets per employee ($millions) | 6.7575% | 855 |
| Cash dividends to net income (ytd only)* | 77.4229% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 2,974 |
| Loan loss allowance to noncurrent loans | 2,347.9339% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 5,566 |
| Noncurrent loans to loans | 0.0746% | 7,058 |
| Net loans and leases to total assets | 84.1985% | 318 |
| Net loans and leases to deposits | 97.3575% | 855 |
| Net loans and leases to core deposits | 111.0885% | 977 |
| Total domestic deposits to total assets | 86.4838% | 2,809 |
| Equity capital to assets | 10.1422% | 3,959 |
| Core capital (leverage) ratio | 9.8448% | 3,438 |
| Tier 1 risk-based capital ratio | 12.2891% | 5,194 |
| Total risk-based capital ratio | 13.5471% | 5,154 |
| Memoranda: | ||
| Average total assets | $187,932,750 | 3,303 |
| Average earning assets | $178,848,500 | 3,178 |
| Average equity | $18,620,000 | 3,371 |
| Average total loans | $162,137,250 | 2,626 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4171% | 2,901 |
| Cost of funding earning assets | 1.7698% | 1,770 |
| Net interest margin | 3.6473% | 4,593 |
| Noninterest income to average assets | 0.3328% | 5,497 |
| Noninterest expense to average assets | 2.0149% | 7,083 |
| Loan and lease loss provision to assets | 0.6464% | 2,225 |
| Net operating income to assets | 1.1253% | 1,774 |
| Return on assets (ROA) | 1.1253% | 1,839 |
| Pretax return on assets | 1.1424% | 2,619 |
| Return on Equity (ROE) | 11.4487% | 1,608 |
| Retained earnings to average equity (ytd only) | 0.0543% | 5,716 |
| Net charge-offs to loans | 0.4725% | 3,114 |
| Credit loss provision to net charge-offs | 158.2245% | 2,490 |
| Earnings coverage of net charge-offs (x) | 4.3786% | 2,966 |
| Efficiency ratio | 52.9725% | 6,980 |
| Assets per employee ($millions) | 7.6317% | 588 |
| Cash dividends to net income (ytd only)* | 99.5261% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 3,097 |
| Loan loss allowance to noncurrent loans | 172.8173% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 1.0704% | 4,991 |
| Noncurrent loans to loans | 0.9817% | 5,341 |
| Net loans and leases to total assets | 81.5012% | 597 |
| Net loans and leases to deposits | 92.0730% | 1,520 |
| Net loans and leases to core deposits | 109.9218% | 1,166 |
| Total domestic deposits to total assets | 88.5180% | 1,715 |
| Equity capital to assets | 9.4721% | 4,744 |
| Core capital (leverage) ratio | 9.5489% | 3,743 |
| Tier 1 risk-based capital ratio | 12.0007% | 5,308 |
| Total risk-based capital ratio | 13.2558% | 5,271 |
| Memoranda: | ||
| Average total assets | $187,507,000 | 3,343 |
| Average earning assets | $178,435,000 | 3,210 |
| Average equity | $18,430,000 | 3,386 |
| Average total loans | $162,132,000 | 2,662 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5053% | 2,557 |
| Cost of funding earning assets | 1.7957% | 1,894 |
| Net interest margin | 3.7096% | 4,195 |
| Noninterest income to average assets | 0.3889% | 5,010 |
| Noninterest expense to average assets | 2.0961% | 6,953 |
| Loan and lease loss provision to assets | 0.6570% | 1,931 |
| Net operating income to assets | 1.1404% | 1,705 |
| Return on assets (ROA) | 1.1404% | 1,781 |
| Pretax return on assets | 1.1535% | 2,540 |
| Return on Equity (ROE) | 11.3769% | 1,678 |
| Retained earnings to average equity (ytd only) | 2.0167% | 4,923 |
| Net charge-offs to loans | 0.0572% | 4,839 |
| Credit loss provision to net charge-offs | 1,300.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 35.8261% | 767 |
| Efficiency ratio | 53.6558% | 7,006 |
| Assets per employee ($millions) | 7.5855% | 626 |
| Cash dividends to net income (ytd only)* | 82.2736% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 2,948 |
| Loan loss allowance to noncurrent loans | 264.8699% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 1.0082% | 5,138 |
| Noncurrent loans to loans | 0.6545% | 6,014 |
| Net loans and leases to total assets | 85.1849% | 273 |
| Net loans and leases to deposits | 96.7932% | 1,015 |
| Net loans and leases to core deposits | 114.9453% | 999 |
| Total domestic deposits to total assets | 88.0072% | 2,050 |
| Equity capital to assets | 9.9073% | 3,979 |
| Core capital (leverage) ratio | 10.2602% | 2,857 |
| Tier 1 risk-based capital ratio | 12.0962% | 5,093 |
| Total risk-based capital ratio | 13.3541% | 5,051 |
| Memoranda: | ||
| Average total assets | $182,048,500 | 3,472 |
| Average earning assets | $172,634,000 | 3,364 |
| Average equity | $18,247,500 | 3,444 |
| Average total loans | $160,943,500 | 2,750 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8956% | 2,255 |
| Cost of funding earning assets | 2.3113% | 1,609 |
| Net interest margin | 3.5843% | 4,604 |
| Noninterest income to average assets | 0.3887% | 5,305 |
| Noninterest expense to average assets | 2.1304% | 7,123 |
| Loan and lease loss provision to assets | 0.1923% | 5,803 |
| Net operating income to assets | 1.4374% | 789 |
| Return on assets (ROA) | 1.4374% | 842 |
| Pretax return on assets | 1.4466% | 1,318 |
| Return on Equity (ROE) | 15.2518% | 639 |
| Retained earnings to average equity (ytd only) | 8.0027% | 697 |
| Net charge-offs to loans | 0.0971% | 6,162 |
| Credit loss provision to net charge-offs | 225.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 19.1757% | 1,096 |
| Efficiency ratio | 56.5191% | 6,953 |
| Assets per employee ($millions) | 6.9784% | 806 |
| Cash dividends to net income (ytd only)* | 47.5291% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 3,150 |
| Loan loss allowance to noncurrent loans | 1,608.7500% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 5,525 |
| Noncurrent loans to loans | 0.1016% | 7,158 |
| Net loans and leases to total assets | 88.8002% | 137 |
| Net loans and leases to deposits | 108.9474% | 419 |
| Net loans and leases to core deposits | 130.1127% | 1,280 |
| Total domestic deposits to total assets | 81.5074% | 5,151 |
| Equity capital to assets | 10.1497% | 3,563 |
| Core capital (leverage) ratio | 9.9536% | 3,139 |
| Tier 1 risk-based capital ratio | 11.6869% | 5,212 |
| Total risk-based capital ratio | 12.9432% | 5,163 |
| Memoranda: | ||
| Average total assets | $173,160,200 | 3,552 |
| Average earning assets | $163,325,000 | 3,458 |
| Average equity | $16,319,400 | 3,820 |
| Average total loans | $152,346,400 | 2,885 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9179% | 2,363 |
| Cost of funding earning assets | 2.4115% | 1,596 |
| Net interest margin | 3.5064% | 4,835 |
| Noninterest income to average assets | 0.3973% | 5,307 |
| Noninterest expense to average assets | 2.0790% | 7,227 |
| Loan and lease loss provision to assets | 0.1882% | 5,493 |
| Net operating income to assets | 1.4271% | 968 |
| Return on assets (ROA) | 1.4271% | 1,033 |
| Pretax return on assets | 1.4356% | 1,606 |
| Return on Equity (ROE) | 15.4429% | 716 |
| Retained earnings to average equity (ytd only) | 15.4429% | 144 |
| Net charge-offs to loans | 0.0794% | 5,880 |
| Credit loss provision to net charge-offs | 271.1111% | 1,567 |
| Earnings coverage of net charge-offs (x) | 23.3883% | 1,122 |
| Efficiency ratio | 56.1458% | 6,980 |
| Assets per employee ($millions) | 6.4748% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6605% | 2,768 |
| Loan loss allowance to noncurrent loans | 941.8519% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 5,223 |
| Noncurrent loans to loans | 0.1763% | 7,053 |
| Net loans and leases to total assets | 86.1502% | 334 |
| Net loans and leases to deposits | 109.0068% | 499 |
| Net loans and leases to core deposits | 134.0803% | 1,201 |
| Total domestic deposits to total assets | 79.0320% | 5,793 |
| Equity capital to assets | 9.3931% | 4,894 |
| Core capital (leverage) ratio | 9.4119% | 4,032 |
| Tier 1 risk-based capital ratio | 11.2682% | 5,663 |
| Total risk-based capital ratio | 12.5248% | 5,609 |
| Memoranda: | ||
| Average total assets | $172,835,500 | 3,578 |
| Average earning assets | $162,937,000 | 3,495 |
| Average equity | $15,972,500 | 3,919 |
| Average total loans | $151,059,500 | 2,931 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9198% | 2,499 |
| Cost of funding earning assets | 2.5049% | 1,596 |
| Net interest margin | 3.4149% | 5,111 |
| Noninterest income to average assets | 0.4310% | 5,017 |
| Noninterest expense to average assets | 2.1037% | 7,269 |
| Loan and lease loss provision to assets | 0.2021% | 5,029 |
| Net operating income to assets | 1.3428% | 1,134 |
| Return on assets (ROA) | 1.3428% | 1,207 |
| Pretax return on assets | 1.3510% | 1,872 |
| Return on Equity (ROE) | 14.6116% | 884 |
| Retained earnings to average equity (ytd only) | 14.6116% | 221 |
| Net charge-offs to loans | 0.0027% | 6,590 |
| Credit loss provision to net charge-offs | 8,700.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 668.5000% | 42 |
| Efficiency ratio | 57.5286% | 6,939 |
| Assets per employee ($millions) | 6.4943% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6694% | 2,448 |
| Loan loss allowance to noncurrent loans | 406.5079% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.9792% | 5,013 |
| Noncurrent loans to loans | 0.4107% | 6,481 |
| Net loans and leases to total assets | 86.0270% | 376 |
| Net loans and leases to deposits | 108.4538% | 627 |
| Net loans and leases to core deposits | 137.0524% | 1,155 |
| Total domestic deposits to total assets | 79.3213% | 5,712 |
| Equity capital to assets | 9.1933% | 5,022 |
| Core capital (leverage) ratio | 9.2770% | 4,201 |
| Tier 1 risk-based capital ratio | 10.8084% | 6,072 |
| Total risk-based capital ratio | 12.0647% | 5,999 |
| Memoranda: | ||
| Average total assets | $172,174,330 | 3,600 |
| Average earning assets | $162,641,330 | 3,514 |
| Average equity | $15,823,000 | 3,955 |
| Average total loans | $150,362,670 | 2,981 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9315% | 2,641 |
| Cost of funding earning assets | 2.5533% | 1,727 |
| Net interest margin | 3.3781% | 5,222 |
| Noninterest income to average assets | 0.2415% | 6,524 |
| Noninterest expense to average assets | 2.0212% | 7,303 |
| Loan and lease loss provision to assets | 0.1219% | 5,403 |
| Net operating income to assets | 1.2990% | 1,384 |
| Return on assets (ROA) | 1.2990% | 1,481 |
| Pretax return on assets | 1.3061% | 2,263 |
| Return on Equity (ROE) | 14.1376% | 1,139 |
| Retained earnings to average equity (ytd only) | 14.1376% | 507 |
| Net charge-offs to loans | 0.0134% | 5,413 |
| Credit loss provision to net charge-offs | 1,040.0000% | 595 |
| Earnings coverage of net charge-offs (x) | 121.8000% | 360 |
| Efficiency ratio | 58.5996% | 6,608 |
| Assets per employee ($millions) | 7.1352% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6179% | 2,454 |
| Loan loss allowance to noncurrent loans | 1,082.6667% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.8345% | 5,104 |
| Noncurrent loans to loans | 0.1494% | 7,093 |
| Net loans and leases to total assets | 86.5029% | 383 |
| Net loans and leases to deposits | 109.4365% | 645 |
| Net loans and leases to core deposits | 136.8353% | 1,253 |
| Total domestic deposits to total assets | 79.0439% | 5,706 |
| Equity capital to assets | 9.2295% | 5,045 |
| Core capital (leverage) ratio | 9.2687% | 4,291 |
| Tier 1 risk-based capital ratio | 10.6499% | 6,236 |
| Total risk-based capital ratio | 11.9055% | 6,147 |
| Memoranda: | ||
| Average total assets | $170,589,000 | 3,640 |
| Average earning assets | $161,984,000 | 3,542 |
| Average equity | $15,674,500 | 4,006 |
| Average total loans | $148,841,500 | 3,022 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3282% | 3,804 |
| Cost of funding earning assets | 3.1625% | 1,306 |
| Net interest margin | 3.1657% | 6,477 |
| Noninterest income to average assets | 0.2435% | 6,701 |
| Noninterest expense to average assets | 1.8437% | 7,700 |
| Loan and lease loss provision to assets | 0.1597% | 5,337 |
| Net operating income to assets | 1.2266% | 1,697 |
| Return on assets (ROA) | 1.2266% | 1,638 |
| Pretax return on assets | 1.2362% | 2,525 |
| Return on Equity (ROE) | 13.6274% | 1,180 |
| Retained earnings to average equity (ytd only) | 13.6274% | 139 |
| Net charge-offs to loans | 0.2419% | 3,843 |
| Credit loss provision to net charge-offs | 74.8588% | 6,000 |
| Earnings coverage of net charge-offs (x) | 6.5424% | 3,338 |
| Efficiency ratio | 56.9116% | 6,885 |
| Assets per employee ($millions) | 6.7974% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 2,144 |
| Loan loss allowance to noncurrent loans | 207.3785% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9457% | 4,461 |
| Noncurrent loans to loans | 0.7831% | 5,079 |
| Net loans and leases to total assets | 85.1666% | 711 |
| Net loans and leases to deposits | 105.8518% | 1,135 |
| Net loans and leases to core deposits | 133.1754% | 1,643 |
| Total domestic deposits to total assets | 80.4583% | 4,848 |
| Equity capital to assets | 9.1471% | 5,157 |
| Core capital (leverage) ratio | 9.2371% | 4,383 |
| Tier 1 risk-based capital ratio | 10.6435% | 6,058 |
| Total risk-based capital ratio | 11.8989% | 5,953 |
| Memoranda: | ||
| Average total assets | $165,912,000 | 3,614 |
| Average earning assets | $157,027,800 | 3,528 |
| Average equity | $14,933,200 | 4,155 |
| Average total loans | $146,370,200 | 2,986 |