Home > First American Bank > Performance and Condition Ratios
First American Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 3,838 |
| Cost of funding earning assets | 0.2317% | 5,504 |
| Net interest margin | 3.7388% | 2,851 |
| Noninterest income to average assets | 1.7331% | 429 |
| Noninterest expense to average assets | 3.8076% | 979 |
| Loan and lease loss provision to assets | -0.1608% | 6,240 |
| Net operating income to assets | 1.3577% | 1,169 |
| Return on assets (ROA) | 1.3577% | 1,214 |
| Pretax return on assets | 1.3577% | 2,051 |
| Return on Equity (ROE) | 14.3182% | 877 |
| Retained earnings to average equity (ytd only) | 8.8033% | 745 |
| Net charge-offs to loans | 0.0052% | 4,838 |
| Credit loss provision to net charge-offs | -4,980.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | 370.8000% | 147 |
| Efficiency ratio | 76.0836% | 2,496 |
| Assets per employee ($millions) | 2.7345% | 5,998 |
| Cash dividends to net income (ytd only)* | 38.5164% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 4,339 |
| Loan loss allowance to noncurrent loans | 282.3009% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 4,532 |
| Noncurrent loans to loans | 0.4036% | 4,428 |
| Net loans and leases to total assets | 65.0005% | 3,048 |
| Net loans and leases to deposits | 72.6059% | 3,608 |
| Net loans and leases to core deposits | 74.4150% | 3,883 |
| Total domestic deposits to total assets | 89.5251% | 962 |
| Equity capital to assets | 10.1219% | 3,961 |
| Core capital (leverage) ratio | 9.9711% | 3,612 |
| Tier 1 risk-based capital ratio | 14.7069% | 3,654 |
| Total risk-based capital ratio | 15.7974% | 3,682 |
| Memoranda: | ||
| Average total assets | $309,797,600 | 2,098 |
| Average earning assets | $271,075,400 | 2,187 |
| Average equity | $29,375,200 | 2,311 |
| Average total loans | $191,478,400 | 2,106 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 4,097 |
| Cost of funding earning assets | 0.2350% | 5,555 |
| Net interest margin | 3.6851% | 3,088 |
| Noninterest income to average assets | 1.8955% | 377 |
| Noninterest expense to average assets | 3.6985% | 1,124 |
| Loan and lease loss provision to assets | -0.2136% | 6,401 |
| Net operating income to assets | 1.6337% | 696 |
| Return on assets (ROA) | 1.6337% | 722 |
| Pretax return on assets | 1.6337% | 1,227 |
| Return on Equity (ROE) | 17.5112% | 490 |
| Retained earnings to average equity (ytd only) | 11.1136% | 498 |
| Net charge-offs to loans | 0.0056% | 4,497 |
| Credit loss provision to net charge-offs | -6,262.5000% | 6,054 |
| Earnings coverage of net charge-offs (x) | 416.2343% | 174 |
| Efficiency ratio | 72.2555% | 3,133 |
| Assets per employee ($millions) | 2.7333% | 6,043 |
| Cash dividends to net income (ytd only)* | 36.5344% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 4,252 |
| Loan loss allowance to noncurrent loans | 194.9345% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 4,445 |
| Noncurrent loans to loans | 0.6134% | 4,084 |
| Net loans and leases to total assets | 60.7911% | 3,657 |
| Net loans and leases to deposits | 67.7416% | 4,160 |
| Net loans and leases to core deposits | 69.4115% | 4,379 |
| Total domestic deposits to total assets | 89.7397% | 852 |
| Equity capital to assets | 9.8615% | 4,339 |
| Core capital (leverage) ratio | 10.0296% | 3,638 |
| Tier 1 risk-based capital ratio | 15.1063% | 3,531 |
| Total risk-based capital ratio | 16.2316% | 3,524 |
| Memoranda: | ||
| Average total assets | $312,733,000 | 2,089 |
| Average earning assets | $273,524,250 | 2,187 |
| Average equity | $29,176,750 | 2,339 |
| Average total loans | $190,355,250 | 2,124 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9104% | 4,101 |
| Cost of funding earning assets | 0.2390% | 5,595 |
| Net interest margin | 3.6714% | 3,061 |
| Noninterest income to average assets | 2.4037% | 255 |
| Noninterest expense to average assets | 3.7639% | 1,025 |
| Loan and lease loss provision to assets | -0.3160% | 6,534 |
| Net operating income to assets | 2.1567% | 247 |
| Return on assets (ROA) | 2.1567% | 261 |
| Pretax return on assets | 2.1567% | 397 |
| Return on Equity (ROE) | 23.5470% | 151 |
| Retained earnings to average equity (ytd only) | 16.5299% | 155 |
| Net charge-offs to loans | -0.0031% | 5,100 |
| Credit loss provision to net charge-offs | 16,633.3333% | 20 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1563% | 4,170 |
| Assets per employee ($millions) | 2.5038% | 6,297 |
| Cash dividends to net income (ytd only)* | 29.8004% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 4,093 |
| Loan loss allowance to noncurrent loans | 196.5849% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 4,471 |
| Noncurrent loans to loans | 0.6404% | 4,104 |
| Net loans and leases to total assets | 60.6253% | 3,612 |
| Net loans and leases to deposits | 67.9183% | 4,064 |
| Net loans and leases to core deposits | 69.6744% | 4,298 |
| Total domestic deposits to total assets | 89.2621% | 1,217 |
| Equity capital to assets | 10.3113% | 3,673 |
| Core capital (leverage) ratio | 10.3433% | 3,146 |
| Tier 1 risk-based capital ratio | 15.6544% | 3,268 |
| Total risk-based capital ratio | 16.8289% | 3,266 |
| Memoranda: | ||
| Average total assets | $315,846,330 | 2,070 |
| Average earning assets | $275,371,330 | 2,174 |
| Average equity | $28,929,330 | 2,350 |
| Average total loans | $191,584,330 | 2,115 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 4,606 |
| Cost of funding earning assets | 0.2382% | 5,687 |
| Net interest margin | 3.5315% | 3,561 |
| Noninterest income to average assets | 3.7681% | 150 |
| Noninterest expense to average assets | 3.7668% | 1,032 |
| Loan and lease loss provision to assets | 0.0049% | 3,756 |
| Net operating income to assets | 3.0826% | 96 |
| Return on assets (ROA) | 3.0826% | 98 |
| Pretax return on assets | 3.0826% | 133 |
| Return on Equity (ROE) | 35.6369% | 44 |
| Retained earnings to average equity (ytd only) | 29.0218% | 40 |
| Net charge-offs to loans | -0.0040% | 4,783 |
| Credit loss provision to net charge-offs | -200.0000% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9556% | 5,930 |
| Assets per employee ($millions) | 2.5201% | 6,356 |
| Cash dividends to net income (ytd only)* | 18.5624% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 3,092 |
| Loan loss allowance to noncurrent loans | 139.5325% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.7892% | 3,768 |
| Noncurrent loans to loans | 1.0835% | 3,252 |
| Net loans and leases to total assets | 60.6700% | 3,449 |
| Net loans and leases to deposits | 67.6626% | 3,893 |
| Net loans and leases to core deposits | 69.3729% | 4,165 |
| Total domestic deposits to total assets | 89.6655% | 1,265 |
| Equity capital to assets | 9.9974% | 3,848 |
| Core capital (leverage) ratio | 9.6656% | 4,040 |
| Tier 1 risk-based capital ratio | 15.4162% | 3,490 |
| Total risk-based capital ratio | 16.6655% | 3,442 |
| Memoranda: | ||
| Average total assets | $328,550,500 | 1,987 |
| Average earning assets | $287,128,500 | 2,097 |
| Average equity | $28,420,000 | 2,373 |
| Average total loans | $198,214,500 | 2,066 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 3,222 |
| Cost of funding earning assets | 0.2829% | 5,744 |
| Net interest margin | 3.9496% | 2,106 |
| Noninterest income to average assets | 1.0350% | 1,311 |
| Noninterest expense to average assets | 3.8364% | 1,081 |
| Loan and lease loss provision to assets | 0.0056% | 5,014 |
| Net operating income to assets | 0.6754% | 3,916 |
| Return on assets (ROA) | 0.6754% | 4,008 |
| Pretax return on assets | 0.6754% | 4,618 |
| Return on Equity (ROE) | 8.4338% | 2,807 |
| Retained earnings to average equity (ytd only) | 1.3805% | 5,206 |
| Net charge-offs to loans | 0.0583% | 4,409 |
| Credit loss provision to net charge-offs | 15.7025% | 4,518 |
| Earnings coverage of net charge-offs (x) | 19.0909% | 1,624 |
| Efficiency ratio | 84.9256% | 1,527 |
| Assets per employee ($millions) | 2.6834% | 6,241 |
| Cash dividends to net income (ytd only)* | 83.6316% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 4,265 |
| Loan loss allowance to noncurrent loans | 162.4778% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 4,478 |
| Noncurrent loans to loans | 0.7854% | 4,009 |
| Net loans and leases to total assets | 58.5386% | 3,945 |
| Net loans and leases to deposits | 63.5113% | 4,562 |
| Net loans and leases to core deposits | 64.9384% | 4,784 |
| Total domestic deposits to total assets | 92.1704% | 251 |
| Equity capital to assets | 7.5535% | 6,259 |
| Core capital (leverage) ratio | 7.7952% | 6,247 |
| Tier 1 risk-based capital ratio | 11.8279% | 5,721 |
| Total risk-based capital ratio | 13.0293% | 5,684 |
| Memoranda: | ||
| Average total assets | $339,228,400 | 1,896 |
| Average earning assets | $299,096,000 | 1,990 |
| Average equity | $27,164,400 | 2,445 |
| Average total loans | $207,452,000 | 1,946 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 3,180 |
| Cost of funding earning assets | 0.2925% | 5,793 |
| Net interest margin | 3.9620% | 2,065 |
| Noninterest income to average assets | 1.0355% | 1,360 |
| Noninterest expense to average assets | 3.8863% | 983 |
| Loan and lease loss provision to assets | 0.0052% | 4,865 |
| Net operating income to assets | 0.6425% | 4,168 |
| Return on assets (ROA) | 0.6425% | 4,281 |
| Pretax return on assets | 0.6425% | 4,875 |
| Return on Equity (ROE) | 7.9020% | 3,176 |
| Retained earnings to average equity (ytd only) | -0.4327% | 6,028 |
| Net charge-offs to loans | 0.0519% | 4,164 |
| Credit loss provision to net charge-offs | 16.2500% | 4,129 |
| Earnings coverage of net charge-offs (x) | 20.2508% | 1,598 |
| Efficiency ratio | 85.7143% | 1,387 |
| Assets per employee ($millions) | 2.5692% | 6,410 |
| Cash dividends to net income (ytd only)* | 105.4760% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 4,341 |
| Loan loss allowance to noncurrent loans | 224.9595% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 5,228 |
| Noncurrent loans to loans | 0.5815% | 4,750 |
| Net loans and leases to total assets | 61.7524% | 3,410 |
| Net loans and leases to deposits | 67.3818% | 4,132 |
| Net loans and leases to core deposits | 69.1775% | 4,414 |
| Total domestic deposits to total assets | 91.6456% | 330 |
| Equity capital to assets | 7.9378% | 6,187 |
| Core capital (leverage) ratio | 7.8455% | 6,302 |
| Tier 1 risk-based capital ratio | 12.1165% | 5,710 |
| Total risk-based capital ratio | 13.3664% | 5,642 |
| Memoranda: | ||
| Average total assets | $333,471,750 | 1,937 |
| Average earning assets | $294,457,250 | 2,018 |
| Average equity | $27,114,750 | 2,472 |
| Average total loans | $205,615,000 | 1,971 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 3,095 |
| Cost of funding earning assets | 0.2989% | 5,837 |
| Net interest margin | 3.9671% | 1,979 |
| Noninterest income to average assets | 1.0031% | 1,530 |
| Noninterest expense to average assets | 3.8567% | 1,030 |
| Loan and lease loss provision to assets | 0.0024% | 4,756 |
| Net operating income to assets | 0.6345% | 4,133 |
| Return on assets (ROA) | 0.6345% | 4,282 |
| Pretax return on assets | 0.6345% | 4,897 |
| Return on Equity (ROE) | 7.7411% | 3,218 |
| Retained earnings to average equity (ytd only) | -1.3540% | 6,104 |
| Net charge-offs to loans | 0.0688% | 3,728 |
| Credit loss provision to net charge-offs | 5.7143% | 3,945 |
| Earnings coverage of net charge-offs (x) | 15.0857% | 1,770 |
| Efficiency ratio | 85.8255% | 1,430 |
| Assets per employee ($millions) | 2.5768% | 6,421 |
| Cash dividends to net income (ytd only)* | 117.4905% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 4,327 |
| Loan loss allowance to noncurrent loans | 237.3504% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 5,057 |
| Noncurrent loans to loans | 0.5636% | 4,855 |
| Net loans and leases to total assets | 60.6806% | 3,542 |
| Net loans and leases to deposits | 66.2253% | 4,242 |
| Net loans and leases to core deposits | 68.1230% | 4,481 |
| Total domestic deposits to total assets | 91.6275% | 333 |
| Equity capital to assets | 7.9474% | 6,235 |
| Core capital (leverage) ratio | 8.1002% | 6,108 |
| Tier 1 risk-based capital ratio | 12.1626% | 5,706 |
| Total risk-based capital ratio | 13.4131% | 5,645 |
| Memoranda: | ||
| Average total assets | $331,583,000 | 1,957 |
| Average earning assets | $291,750,000 | 2,041 |
| Average equity | $27,179,670 | 2,472 |
| Average total loans | $203,419,330 | 1,987 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 3,060 |
| Cost of funding earning assets | 0.3106% | 5,886 |
| Net interest margin | 3.9486% | 1,952 |
| Noninterest income to average assets | 0.9714% | 1,550 |
| Noninterest expense to average assets | 3.8065% | 1,101 |
| Loan and lease loss provision to assets | -0.0024% | 6,718 |
| Net operating income to assets | 0.6342% | 4,059 |
| Return on assets (ROA) | 0.6342% | 4,214 |
| Pretax return on assets | 0.6342% | 4,823 |
| Return on Equity (ROE) | 7.6181% | 3,151 |
| Retained earnings to average equity (ytd only) | -0.8627% | 5,929 |
| Net charge-offs to loans | 0.0834% | 3,003 |
| Credit loss provision to net charge-offs | -4.7619% | 4,952 |
| Earnings coverage of net charge-offs (x) | 12.3571% | 1,601 |
| Efficiency ratio | 85.7652% | 1,543 |
| Assets per employee ($millions) | 2.5156% | 6,568 |
| Cash dividends to net income (ytd only)* | 111.3244% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 4,306 |
| Loan loss allowance to noncurrent loans | 261.8335% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 5,210 |
| Noncurrent loans to loans | 0.5297% | 5,116 |
| Net loans and leases to total assets | 60.8584% | 3,274 |
| Net loans and leases to deposits | 66.6864% | 3,956 |
| Net loans and leases to core deposits | 68.6222% | 4,228 |
| Total domestic deposits to total assets | 91.2605% | 423 |
| Equity capital to assets | 8.3518% | 6,147 |
| Core capital (leverage) ratio | 8.2305% | 5,901 |
| Tier 1 risk-based capital ratio | 12.8235% | 5,359 |
| Total risk-based capital ratio | 14.0749% | 5,303 |
| Memoranda: | ||
| Average total assets | $328,596,500 | 2,005 |
| Average earning assets | $288,506,000 | 2,096 |
| Average equity | $27,356,000 | 2,496 |
| Average total loans | $201,325,000 | 2,020 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 2,505 |
| Cost of funding earning assets | 0.3830% | 6,028 |
| Net interest margin | 4.3396% | 1,308 |
| Noninterest income to average assets | 1.0800% | 1,332 |
| Noninterest expense to average assets | 3.9501% | 1,038 |
| Loan and lease loss provision to assets | -0.0573% | 6,876 |
| Net operating income to assets | 1.0050% | 2,317 |
| Return on assets (ROA) | 1.0050% | 2,535 |
| Pretax return on assets | 1.0050% | 3,531 |
| Return on Equity (ROE) | 12.2052% | 1,445 |
| Retained earnings to average equity (ytd only) | 6.2671% | 1,933 |
| Net charge-offs to loans | -0.0374% | 6,652 |
| Credit loss provision to net charge-offs | 252.0548% | 963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6511% | 2,060 |
| Assets per employee ($millions) | 2.5203% | 6,600 |
| Cash dividends to net income (ytd only)* | 48.6520% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 4,096 |
| Loan loss allowance to noncurrent loans | 242.1635% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 5,257 |
| Noncurrent loans to loans | 0.5846% | 5,069 |
| Net loans and leases to total assets | 59.9652% | 3,607 |
| Net loans and leases to deposits | 65.6545% | 4,338 |
| Net loans and leases to core deposits | 67.6578% | 4,576 |
| Total domestic deposits to total assets | 91.3345% | 390 |
| Equity capital to assets | 8.2987% | 6,201 |
| Core capital (leverage) ratio | 8.2499% | 5,942 |
| Tier 1 risk-based capital ratio | 12.8705% | 5,200 |
| Total risk-based capital ratio | 14.1222% | 5,138 |
| Memoranda: | ||
| Average total assets | $321,106,000 | 2,001 |
| Average earning assets | $282,489,400 | 2,086 |
| Average equity | $26,439,600 | 2,528 |
| Average total loans | $195,412,600 | 2,044 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 2,564 |
| Cost of funding earning assets | 0.3968% | 6,138 |
| Net interest margin | 4.3572% | 1,329 |
| Noninterest income to average assets | 1.0504% | 1,378 |
| Noninterest expense to average assets | 3.9810% | 956 |
| Loan and lease loss provision to assets | -0.1208% | 7,053 |
| Net operating income to assets | 1.0379% | 2,324 |
| Return on assets (ROA) | 1.0379% | 2,543 |
| Pretax return on assets | 1.0379% | 3,572 |
| Return on Equity (ROE) | 12.6308% | 1,431 |
| Retained earnings to average equity (ytd only) | 5.9592% | 2,719 |
| Net charge-offs to loans | 0.0824% | 4,574 |
| Credit loss provision to net charge-offs | -240.8333% | 6,354 |
| Earnings coverage of net charge-offs (x) | 18.2746% | 1,569 |
| Efficiency ratio | 81.2772% | 1,900 |
| Assets per employee ($millions) | 2.4106% | 6,774 |
| Cash dividends to net income (ytd only)* | 52.8204% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 4,792 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 5,457 |
| Noncurrent loans to loans | 0.5220% | 5,400 |
| Net loans and leases to total assets | 59.5800% | 3,861 |
| Net loans and leases to deposits | 65.3160% | 4,559 |
| Net loans and leases to core deposits | 67.3572% | 4,798 |
| Total domestic deposits to total assets | 91.2180% | 353 |
| Equity capital to assets | 8.3384% | 6,392 |
| Core capital (leverage) ratio | 8.1633% | 6,176 |
| Tier 1 risk-based capital ratio | 12.7746% | 5,427 |
| Total risk-based capital ratio | 14.0190% | 5,385 |
| Memoranda: | ||
| Average total assets | $318,842,500 | 2,033 |
| Average earning assets | $281,548,750 | 2,112 |
| Average equity | $26,199,750 | 2,568 |
| Average total loans | $194,059,750 | 2,086 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 2,265 |
| Cost of funding earning assets | 0.4121% | 6,206 |
| Net interest margin | 4.4486% | 1,082 |
| Noninterest income to average assets | 1.0320% | 1,373 |
| Noninterest expense to average assets | 4.0315% | 907 |
| Loan and lease loss provision to assets | -0.1859% | 7,151 |
| Net operating income to assets | 1.1309% | 1,946 |
| Return on assets (ROA) | 1.1309% | 2,162 |
| Pretax return on assets | 1.1309% | 3,189 |
| Return on Equity (ROE) | 13.8318% | 1,159 |
| Retained earnings to average equity (ytd only) | 7.5054% | 1,868 |
| Net charge-offs to loans | -0.1414% | 6,932 |
| Credit loss provision to net charge-offs | 215.3285% | 1,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0103% | 2,026 |
| Assets per employee ($millions) | 2.3497% | 6,865 |
| Cash dividends to net income (ytd only)* | 45.7382% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 4,249 |
| Loan loss allowance to noncurrent loans | 119.4361% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8731% | 4,627 |
| Noncurrent loans to loans | 1.2138% | 4,127 |
| Net loans and leases to total assets | 58.6145% | 4,062 |
| Net loans and leases to deposits | 64.1325% | 4,753 |
| Net loans and leases to core deposits | 66.2360% | 4,973 |
| Total domestic deposits to total assets | 91.3959% | 330 |
| Equity capital to assets | 8.1989% | 6,451 |
| Core capital (leverage) ratio | 8.1916% | 6,061 |
| Tier 1 risk-based capital ratio | 12.7383% | 5,387 |
| Total risk-based capital ratio | 13.9896% | 5,353 |
| Memoranda: | ||
| Average total assets | $317,449,000 | 2,044 |
| Average earning assets | $281,479,670 | 2,113 |
| Average equity | $25,954,670 | 2,574 |
| Average total loans | $193,745,670 | 2,084 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 3,942 |
| Cost of funding earning assets | 0.4319% | 6,243 |
| Net interest margin | 4.0608% | 2,254 |
| Noninterest income to average assets | 1.0967% | 1,186 |
| Noninterest expense to average assets | 4.1752% | 765 |
| Loan and lease loss provision to assets | 0.0701% | 4,530 |
| Net operating income to assets | 0.4917% | 4,865 |
| Return on assets (ROA) | 0.4917% | 5,067 |
| Pretax return on assets | 0.4917% | 5,459 |
| Return on Equity (ROE) | 6.0221% | 4,278 |
| Retained earnings to average equity (ytd only) | 1.0297% | 5,663 |
| Net charge-offs to loans | 0.0968% | 3,560 |
| Credit loss provision to net charge-offs | 117.0213% | 2,022 |
| Earnings coverage of net charge-offs (x) | 9.3830% | 1,849 |
| Efficiency ratio | 88.1420% | 1,273 |
| Assets per employee ($millions) | 2.3027% | 6,992 |
| Cash dividends to net income (ytd only)* | 82.9016% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 3,910 |
| Loan loss allowance to noncurrent loans | 64.9704% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.5801% | 3,487 |
| Noncurrent loans to loans | 2.3949% | 2,710 |
| Net loans and leases to total assets | 58.9748% | 3,861 |
| Net loans and leases to deposits | 64.3966% | 4,577 |
| Net loans and leases to core deposits | 67.0331% | 4,794 |
| Total domestic deposits to total assets | 91.5807% | 355 |
| Equity capital to assets | 8.0785% | 6,462 |
| Core capital (leverage) ratio | 8.1342% | 6,112 |
| Tier 1 risk-based capital ratio | 12.6623% | 5,476 |
| Total risk-based capital ratio | 13.9199% | 5,432 |
| Memoranda: | ||
| Average total assets | $314,042,000 | 2,066 |
| Average earning assets | $281,519,500 | 2,122 |
| Average equity | $25,639,000 | 2,607 |
| Average total loans | $194,188,000 | 2,088 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 3,047 |
| Cost of funding earning assets | 0.5897% | 6,136 |
| Net interest margin | 4.3761% | 1,461 |
| Noninterest income to average assets | 1.2188% | 889 |
| Noninterest expense to average assets | 4.2918% | 726 |
| Loan and lease loss provision to assets | 0.2287% | 3,909 |
| Net operating income to assets | 0.6107% | 3,944 |
| Return on assets (ROA) | 0.6107% | 4,130 |
| Pretax return on assets | 0.6107% | 4,663 |
| Return on Equity (ROE) | 7.4051% | 3,198 |
| Retained earnings to average equity (ytd only) | 3.3808% | 3,816 |
| Net charge-offs to loans | 0.1061% | 5,298 |
| Credit loss provision to net charge-offs | 323.1481% | 721 |
| Earnings coverage of net charge-offs (x) | 11.8611% | 1,675 |
| Efficiency ratio | 83.6409% | 1,812 |
| Assets per employee ($millions) | 2.2325% | 7,060 |
| Cash dividends to net income (ytd only)* | 54.3455% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 4,064 |
| Loan loss allowance to noncurrent loans | 55.8623% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.8974% | 3,111 |
| Noncurrent loans to loans | 2.6706% | 2,434 |
| Net loans and leases to total assets | 62.8575% | 3,438 |
| Net loans and leases to deposits | 68.7765% | 4,318 |
| Net loans and leases to core deposits | 71.6700% | 4,572 |
| Total domestic deposits to total assets | 91.3939% | 365 |
| Equity capital to assets | 8.2519% | 6,387 |
| Core capital (leverage) ratio | 8.1520% | 6,070 |
| Tier 1 risk-based capital ratio | 11.8604% | 5,929 |
| Total risk-based capital ratio | 13.1124% | 5,907 |
| Memoranda: | ||
| Average total assets | $305,207,600 | 2,097 |
| Average earning assets | $272,869,200 | 2,147 |
| Average equity | $25,171,800 | 2,561 |
| Average total loans | $203,489,000 | 2,011 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 2,859 |
| Cost of funding earning assets | 0.6218% | 6,176 |
| Net interest margin | 4.4244% | 1,334 |
| Noninterest income to average assets | 1.2538% | 820 |
| Noninterest expense to average assets | 4.3329% | 691 |
| Loan and lease loss provision to assets | 0.1680% | 4,369 |
| Net operating income to assets | 0.7076% | 3,576 |
| Return on assets (ROA) | 0.7076% | 3,741 |
| Pretax return on assets | 0.7076% | 4,444 |
| Return on Equity (ROE) | 8.5808% | 2,789 |
| Retained earnings to average equity (ytd only) | 4.4474% | 3,559 |
| Net charge-offs to loans | 0.1621% | 4,487 |
| Credit loss provision to net charge-offs | 153.8153% | 2,020 |
| Earnings coverage of net charge-offs (x) | 8.0161% | 2,257 |
| Efficiency ratio | 83.1887% | 1,833 |
| Assets per employee ($millions) | 2.1996% | 7,145 |
| Cash dividends to net income (ytd only)* | 48.1710% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 4,924 |
| Loan loss allowance to noncurrent loans | 58.3259% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.6542% | 3,602 |
| Noncurrent loans to loans | 2.2597% | 3,043 |
| Net loans and leases to total assets | 63.3605% | 3,443 |
| Net loans and leases to deposits | 69.4034% | 4,402 |
| Net loans and leases to core deposits | 72.3389% | 4,672 |
| Total domestic deposits to total assets | 91.2930% | 347 |
| Equity capital to assets | 8.3154% | 6,469 |
| Core capital (leverage) ratio | 8.2907% | 5,990 |
| Tier 1 risk-based capital ratio | 11.8556% | 5,997 |
| Total risk-based capital ratio | 13.0944% | 5,988 |
| Memoranda: | ||
| Average total assets | $303,930,500 | 2,117 |
| Average earning assets | $271,667,250 | 2,161 |
| Average equity | $25,063,000 | 2,568 |
| Average total loans | $204,858,500 | 2,019 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 2,861 |
| Cost of funding earning assets | 0.6639% | 6,150 |
| Net interest margin | 4.3996% | 1,366 |
| Noninterest income to average assets | 1.1626% | 941 |
| Noninterest expense to average assets | 4.3365% | 714 |
| Loan and lease loss provision to assets | 0.2538% | 3,375 |
| Net operating income to assets | 0.4970% | 4,511 |
| Return on assets (ROA) | 0.4970% | 4,650 |
| Pretax return on assets | 0.4970% | 5,081 |
| Return on Equity (ROE) | 6.0446% | 3,948 |
| Retained earnings to average equity (ytd only) | 2.9902% | 4,374 |
| Net charge-offs to loans | 0.3445% | 3,180 |
| Credit loss provision to net charge-offs | 107.5630% | 2,861 |
| Earnings coverage of net charge-offs (x) | 3.1821% | 3,277 |
| Efficiency ratio | 85.2410% | 1,677 |
| Assets per employee ($millions) | 2.1099% | 7,229 |
| Cash dividends to net income (ytd only)* | 50.5319% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 5,475 |
| Loan loss allowance to noncurrent loans | 52.5552% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 1.8328% | 3,464 |
| Noncurrent loans to loans | 2.3170% | 3,078 |
| Net loans and leases to total assets | 67.6623% | 2,682 |
| Net loans and leases to deposits | 74.1840% | 3,779 |
| Net loans and leases to core deposits | 77.2710% | 4,155 |
| Total domestic deposits to total assets | 91.2087% | 425 |
| Equity capital to assets | 8.3968% | 6,309 |
| Core capital (leverage) ratio | 8.0932% | 6,172 |
| Tier 1 risk-based capital ratio | 11.3621% | 6,276 |
| Total risk-based capital ratio | 12.5222% | 6,338 |
| Memoranda: | ||
| Average total assets | $302,592,000 | 2,131 |
| Average earning assets | $269,930,670 | 2,181 |
| Average equity | $24,881,670 | 2,571 |
| Average total loans | $207,237,330 | 2,025 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0429% | 2,894 |
| Cost of funding earning assets | 0.7116% | 6,071 |
| Net interest margin | 4.3313% | 1,462 |
| Noninterest income to average assets | 1.1299% | 1,023 |
| Noninterest expense to average assets | 4.2817% | 738 |
| Loan and lease loss provision to assets | 0.3091% | 2,695 |
| Net operating income to assets | 0.4144% | 4,881 |
| Return on assets (ROA) | 0.4144% | 4,975 |
| Pretax return on assets | 0.4144% | 5,298 |
| Return on Equity (ROE) | 5.0921% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.1523% | 4,284 |
| Net charge-offs to loans | 0.0211% | 4,782 |
| Credit loss provision to net charge-offs | 2,136.3636% | 187 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 576 |
| Efficiency ratio | 85.5453% | 1,769 |
| Assets per employee ($millions) | 2.2440% | 7,224 |
| Cash dividends to net income (ytd only)* | 38.0952% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 5,052 |
| Loan loss allowance to noncurrent loans | 37.3718% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 2.5638% | 2,666 |
| Noncurrent loans to loans | 3.5229% | 2,113 |
| Net loans and leases to total assets | 65.7315% | 3,080 |
| Net loans and leases to deposits | 71.7599% | 4,103 |
| Net loans and leases to core deposits | 74.6436% | 4,469 |
| Total domestic deposits to total assets | 91.5992% | 389 |
| Equity capital to assets | 8.0765% | 6,411 |
| Core capital (leverage) ratio | 8.0149% | 6,237 |
| Tier 1 risk-based capital ratio | 11.2592% | 6,300 |
| Total risk-based capital ratio | 12.5085% | 6,274 |
| Memoranda: | ||
| Average total assets | $304,086,000 | 2,131 |
| Average earning assets | $272,067,000 | 2,186 |
| Average equity | $24,744,000 | 2,569 |
| Average total loans | $208,247,000 | 2,028 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5296% | 2,164 |
| Cost of funding earning assets | 0.9070% | 6,148 |
| Net interest margin | 4.6226% | 962 |
| Noninterest income to average assets | 1.1368% | 1,141 |
| Noninterest expense to average assets | 4.5088% | 643 |
| Loan and lease loss provision to assets | 0.3254% | 4,209 |
| Net operating income to assets | 0.4568% | 4,280 |
| Return on assets (ROA) | 0.4568% | 4,450 |
| Pretax return on assets | 0.4568% | 4,771 |
| Return on Equity (ROE) | 5.5108% | 3,829 |
| Retained earnings to average equity (ytd only) | 1.4801% | 4,791 |
| Net charge-offs to loans | 0.5091% | 3,581 |
| Credit loss provision to net charge-offs | 85.8156% | 5,299 |
| Earnings coverage of net charge-offs (x) | 2.0629% | 4,178 |
| Efficiency ratio | 85.2169% | 1,779 |
| Assets per employee ($millions) | 2.1329% | 7,346 |
| Cash dividends to net income (ytd only)* | 73.1420% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 5,650 |
| Loan loss allowance to noncurrent loans | 33.4959% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 2.7020% | 2,580 |
| Noncurrent loans to loans | 3.4858% | 2,172 |
| Net loans and leases to total assets | 69.5772% | 2,638 |
| Net loans and leases to deposits | 76.6474% | 3,741 |
| Net loans and leases to core deposits | 80.1426% | 4,189 |
| Total domestic deposits to total assets | 90.7757% | 703 |
| Equity capital to assets | 8.1992% | 6,264 |
| Core capital (leverage) ratio | 8.0413% | 6,132 |
| Tier 1 risk-based capital ratio | 11.1150% | 6,237 |
| Total risk-based capital ratio | 12.2547% | 6,297 |
| Memoranda: | ||
| Average total assets | $297,510,000 | 2,164 |
| Average earning assets | $267,360,800 | 2,200 |
| Average equity | $24,660,800 | 2,584 |
| Average total loans | $221,561,600 | 1,957 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6068% | 2,034 |
| Cost of funding earning assets | 0.9345% | 6,253 |
| Net interest margin | 4.6722% | 905 |
| Noninterest income to average assets | 1.1311% | 1,094 |
| Noninterest expense to average assets | 4.4951% | 601 |
| Loan and lease loss provision to assets | 0.2224% | 4,832 |
| Net operating income to assets | 0.6170% | 3,807 |
| Return on assets (ROA) | 0.6170% | 3,973 |
| Pretax return on assets | 0.6170% | 4,542 |
| Return on Equity (ROE) | 7.4230% | 3,139 |
| Retained earnings to average equity (ytd only) | 2.6978% | 4,538 |
| Net charge-offs to loans | 0.2089% | 4,693 |
| Credit loss provision to net charge-offs | 141.0256% | 2,808 |
| Earnings coverage of net charge-offs (x) | 5.3219% | 2,777 |
| Efficiency ratio | 84.2642% | 1,803 |
| Assets per employee ($millions) | 2.0772% | 7,486 |
| Cash dividends to net income (ytd only)* | 63.6560% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 5,088 |
| Loan loss allowance to noncurrent loans | 47.3559% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 2.0664% | 3,383 |
| Noncurrent loans to loans | 2.6906% | 2,942 |
| Net loans and leases to total assets | 71.9095% | 2,269 |
| Net loans and leases to deposits | 79.3327% | 3,571 |
| Net loans and leases to core deposits | 83.7807% | 3,980 |
| Total domestic deposits to total assets | 90.6429% | 578 |
| Equity capital to assets | 8.3250% | 6,476 |
| Core capital (leverage) ratio | 8.0718% | 6,244 |
| Tier 1 risk-based capital ratio | 11.0487% | 6,333 |
| Total risk-based capital ratio | 12.2989% | 6,316 |
| Memoranda: | ||
| Average total assets | $296,703,000 | 2,209 |
| Average earning assets | $266,932,250 | 2,240 |
| Average equity | $24,661,500 | 2,633 |
| Average total loans | $224,022,750 | 1,965 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 1,929 |
| Cost of funding earning assets | 0.9668% | 6,303 |
| Net interest margin | 4.6854% | 835 |
| Noninterest income to average assets | 1.0950% | 1,106 |
| Noninterest expense to average assets | 4.5273% | 553 |
| Loan and lease loss provision to assets | 0.2163% | 4,726 |
| Net operating income to assets | 0.5705% | 3,993 |
| Return on assets (ROA) | 0.5705% | 4,141 |
| Pretax return on assets | 0.5705% | 4,668 |
| Return on Equity (ROE) | 6.8670% | 3,362 |
| Retained earnings to average equity (ytd only) | 1.9446% | 4,897 |
| Net charge-offs to loans | 0.2256% | 4,247 |
| Credit loss provision to net charge-offs | 125.4902% | 3,217 |
| Earnings coverage of net charge-offs (x) | 4.5647% | 2,914 |
| Efficiency ratio | 85.1946% | 1,799 |
| Assets per employee ($millions) | 1.9518% | 7,598 |
| Cash dividends to net income (ytd only)* | 71.6825% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 5,371 |
| Loan loss allowance to noncurrent loans | 40.4469% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 2.3335% | 3,096 |
| Noncurrent loans to loans | 3.0072% | 2,673 |
| Net loans and leases to total assets | 72.8724% | 2,194 |
| Net loans and leases to deposits | 80.2865% | 3,553 |
| Net loans and leases to core deposits | 84.6810% | 4,045 |
| Total domestic deposits to total assets | 90.7655% | 577 |
| Equity capital to assets | 8.1985% | 6,543 |
| Core capital (leverage) ratio | 8.1572% | 6,024 |
| Tier 1 risk-based capital ratio | 10.9081% | 6,333 |
| Total risk-based capital ratio | 12.1349% | 6,352 |
| Memoranda: | ||
| Average total assets | $295,896,670 | 2,226 |
| Average earning assets | $266,446,670 | 2,258 |
| Average equity | $24,581,330 | 2,639 |
| Average total loans | $226,072,670 | 1,976 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7270% | 1,677 |
| Cost of funding earning assets | 0.9986% | 6,381 |
| Net interest margin | 4.7284% | 736 |
| Noninterest income to average assets | 1.1146% | 1,011 |
| Noninterest expense to average assets | 4.6220% | 504 |
| Loan and lease loss provision to assets | 0.2153% | 4,356 |
| Net operating income to assets | 0.5355% | 4,206 |
| Return on assets (ROA) | 0.5355% | 4,346 |
| Pretax return on assets | 0.5355% | 4,831 |
| Return on Equity (ROE) | 6.4031% | 3,668 |
| Retained earnings to average equity (ytd only) | 4.4480% | 3,488 |
| Net charge-offs to loans | 0.1893% | 3,787 |
| Credit loss provision to net charge-offs | 146.2963% | 2,428 |
| Earnings coverage of net charge-offs (x) | 5.1019% | 2,470 |
| Efficiency ratio | 86.0259% | 1,793 |
| Assets per employee ($millions) | 1.8989% | 7,715 |
| Cash dividends to net income (ytd only)* | 30.5344% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 5,566 |
| Loan loss allowance to noncurrent loans | 42.8983% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 2.4026% | 3,032 |
| Noncurrent loans to loans | 2.7665% | 2,889 |
| Net loans and leases to total assets | 76.3635% | 1,467 |
| Net loans and leases to deposits | 84.3041% | 2,888 |
| Net loans and leases to core deposits | 88.6583% | 3,544 |
| Total domestic deposits to total assets | 90.5810% | 704 |
| Equity capital to assets | 8.4311% | 6,106 |
| Core capital (leverage) ratio | 8.3372% | 5,676 |
| Tier 1 risk-based capital ratio | 10.7919% | 6,353 |
| Total risk-based capital ratio | 11.9971% | 6,379 |
| Memoranda: | ||
| Average total assets | $293,555,000 | 2,286 |
| Average earning assets | $264,360,500 | 2,320 |
| Average equity | $24,550,500 | 2,660 |
| Average total loans | $228,240,500 | 2,006 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0887% | 1,550 |
| Cost of funding earning assets | 1.2381% | 6,515 |
| Net interest margin | 4.8506% | 618 |
| Noninterest income to average assets | 1.1818% | 1,105 |
| Noninterest expense to average assets | 4.6557% | 678 |
| Loan and lease loss provision to assets | 0.4699% | 4,003 |
| Net operating income to assets | 0.4184% | 4,055 |
| Return on assets (ROA) | 0.4194% | 4,153 |
| Pretax return on assets | 0.4194% | 4,438 |
| Return on Equity (ROE) | 4.9872% | 3,668 |
| Retained earnings to average equity (ytd only) | -1.9957% | 5,518 |
| Net charge-offs to loans | 0.8679% | 2,663 |
| Credit loss provision to net charge-offs | 68.4842% | 6,520 |
| Earnings coverage of net charge-offs (x) | 1.2946% | 4,830 |
| Efficiency ratio | 83.9772% | 2,353 |
| Assets per employee ($millions) | 1.8769% | 7,795 |
| Cash dividends to net income (ytd only)* | 140.0164% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 5,680 |
| Loan loss allowance to noncurrent loans | 113.6933% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 5,018 |
| Noncurrent loans to loans | 1.0044% | 5,309 |
| Net loans and leases to total assets | 77.3236% | 1,515 |
| Net loans and leases to deposits | 85.9008% | 2,932 |
| Net loans and leases to core deposits | 99.3590% | 4,065 |
| Total domestic deposits to total assets | 90.0150% | 949 |
| Equity capital to assets | 8.2958% | 6,202 |
| Core capital (leverage) ratio | 8.2244% | 5,771 |
| Tier 1 risk-based capital ratio | 10.4145% | 6,484 |
| Total risk-based capital ratio | 11.5691% | 6,539 |
| Memoranda: | ||
| Average total assets | $291,343,800 | 2,272 |
| Average earning assets | $262,010,600 | 2,309 |
| Average equity | $24,502,600 | 2,660 |
| Average total loans | $230,320,200 | 2,029 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1271% | 1,560 |
| Cost of funding earning assets | 1.2806% | 6,620 |
| Net interest margin | 4.8465% | 630 |
| Noninterest income to average assets | 1.1722% | 1,141 |
| Noninterest expense to average assets | 4.5872% | 667 |
| Loan and lease loss provision to assets | 0.5067% | 3,360 |
| Net operating income to assets | 0.4378% | 4,240 |
| Return on assets (ROA) | 0.4378% | 4,348 |
| Pretax return on assets | 0.4378% | 4,696 |
| Return on Equity (ROE) | 5.1882% | 3,884 |
| Retained earnings to average equity (ytd only) | -2.8769% | 5,917 |
| Net charge-offs to loans | 1.0347% | 1,907 |
| Credit loss provision to net charge-offs | 61.7795% | 6,141 |
| Earnings coverage of net charge-offs (x) | 1.1516% | 4,914 |
| Efficiency ratio | 82.9254% | 2,436 |
| Assets per employee ($millions) | 1.8640% | 7,871 |
| Cash dividends to net income (ytd only)* | 155.4502% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 5,598 |
| Loan loss allowance to noncurrent loans | 177.3728% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 5,518 |
| Noncurrent loans to loans | 0.6317% | 6,033 |
| Net loans and leases to total assets | 79.2790% | 1,329 |
| Net loans and leases to deposits | 88.3619% | 2,894 |
| Net loans and leases to core deposits | 102.6092% | 4,093 |
| Total domestic deposits to total assets | 89.7209% | 880 |
| Equity capital to assets | 8.5251% | 6,223 |
| Core capital (leverage) ratio | 8.1787% | 6,056 |
| Tier 1 risk-based capital ratio | 10.5614% | 6,403 |
| Total risk-based capital ratio | 11.7105% | 6,465 |
| Memoranda: | ||
| Average total assets | $290,509,500 | 2,300 |
| Average earning assets | $261,324,000 | 2,325 |
| Average equity | $24,516,750 | 2,688 |
| Average total loans | $230,277,750 | 2,057 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0988% | 1,796 |
| Cost of funding earning assets | 1.3181% | 6,740 |
| Net interest margin | 4.7807% | 674 |
| Noninterest income to average assets | 1.1411% | 1,205 |
| Noninterest expense to average assets | 4.5724% | 721 |
| Loan and lease loss provision to assets | 0.6048% | 2,632 |
| Net operating income to assets | 0.2592% | 5,057 |
| Return on assets (ROA) | 0.2592% | 5,150 |
| Pretax return on assets | 0.2592% | 5,303 |
| Return on Equity (ROE) | 3.0817% | 4,868 |
| Retained earnings to average equity (ytd only) | -7.8592% | 6,653 |
| Net charge-offs to loans | 1.5136% | 1,255 |
| Credit loss provision to net charge-offs | 50.6024% | 5,756 |
| Earnings coverage of net charge-offs (x) | 0.7229% | 4,997 |
| Efficiency ratio | 84.1070% | 2,461 |
| Assets per employee ($millions) | 1.8283% | 7,958 |
| Cash dividends to net income (ytd only)* | 355.0265% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 6,030 |
| Loan loss allowance to noncurrent loans | 126.3019% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 5,584 |
| Noncurrent loans to loans | 0.8143% | 5,596 |
| Net loans and leases to total assets | 79.4831% | 1,405 |
| Net loans and leases to deposits | 88.2988% | 3,127 |
| Net loans and leases to core deposits | 101.3830% | 4,363 |
| Total domestic deposits to total assets | 90.0160% | 824 |
| Equity capital to assets | 8.2616% | 6,398 |
| Core capital (leverage) ratio | 7.9592% | 6,406 |
| Tier 1 risk-based capital ratio | 10.2034% | 6,709 |
| Total risk-based capital ratio | 11.2563% | 6,849 |
| Memoranda: | ||
| Average total assets | $291,660,330 | 2,307 |
| Average earning assets | $262,053,000 | 2,332 |
| Average equity | $24,531,670 | 2,683 |
| Average total loans | $230,318,670 | 2,081 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0996% | 1,943 |
| Cost of funding earning assets | 1.3856% | 6,778 |
| Net interest margin | 4.7140% | 747 |
| Noninterest income to average assets | 1.1063% | 1,212 |
| Noninterest expense to average assets | 4.4472% | 751 |
| Loan and lease loss provision to assets | 0.1616% | 4,868 |
| Net operating income to assets | 0.7134% | 3,489 |
| Return on assets (ROA) | 0.7134% | 3,685 |
| Pretax return on assets | 0.7134% | 4,389 |
| Return on Equity (ROE) | 8.4070% | 2,965 |
| Retained earnings to average equity (ytd only) | -7.7615% | 6,888 |
| Net charge-offs to loans | 1.3150% | 1,068 |
| Credit loss provision to net charge-offs | 15.6915% | 5,131 |
| Earnings coverage of net charge-offs (x) | 0.8497% | 4,344 |
| Efficiency ratio | 83.5606% | 2,347 |
| Assets per employee ($millions) | 1.8911% | 7,969 |
| Cash dividends to net income (ytd only)* | 192.3225% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 5,136 |
| Loan loss allowance to noncurrent loans | 103.4646% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 4,893 |
| Noncurrent loans to loans | 1.1096% | 4,762 |
| Net loans and leases to total assets | 76.7052% | 2,109 |
| Net loans and leases to deposits | 85.1238% | 3,790 |
| Net loans and leases to core deposits | 97.1402% | 4,835 |
| Total domestic deposits to total assets | 90.1102% | 746 |
| Equity capital to assets | 8.2973% | 6,398 |
| Core capital (leverage) ratio | 8.1989% | 6,107 |
| Tier 1 risk-based capital ratio | 10.4014% | 6,493 |
| Total risk-based capital ratio | 11.5523% | 6,522 |
| Memoranda: | ||
| Average total assets | $292,137,500 | 2,321 |
| Average earning assets | $261,263,500 | 2,355 |
| Average equity | $24,789,000 | 2,673 |
| Average total loans | $228,746,500 | 2,108 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9137% | 1,363 |
| Cost of funding earning assets | 1.9740% | 6,499 |
| Net interest margin | 4.9398% | 580 |
| Noninterest income to average assets | 2.1332% | 312 |
| Noninterest expense to average assets | 4.7524% | 736 |
| Loan and lease loss provision to assets | 0.5440% | 2,647 |
| Net operating income to assets | 1.2257% | 1,699 |
| Return on assets (ROA) | 1.2257% | 1,640 |
| Pretax return on assets | 1.2257% | 2,563 |
| Return on Equity (ROE) | 15.4226% | 861 |
| Retained earnings to average equity (ytd only) | 11.2792% | 291 |
| Net charge-offs to loans | 0.3109% | 3,312 |
| Credit loss provision to net charge-offs | 226.4368% | 2,096 |
| Earnings coverage of net charge-offs (x) | 7.3664% | 3,132 |
| Efficiency ratio | 72.8658% | 3,776 |
| Assets per employee ($millions) | 1.8308% | 8,024 |
| Cash dividends to net income (ytd only)* | 26.8657% | 4,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 3,044 |
| Loan loss allowance to noncurrent loans | 87.3394% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.3237% | 3,569 |
| Noncurrent loans to loans | 1.6345% | 3,320 |
| Net loans and leases to total assets | 77.8919% | 2,169 |
| Net loans and leases to deposits | 87.5625% | 3,858 |
| Net loans and leases to core deposits | 99.8759% | 4,834 |
| Total domestic deposits to total assets | 88.9558% | 1,063 |
| Equity capital to assets | 8.6772% | 5,844 |
| Core capital (leverage) ratio | 8.3534% | 5,845 |
| Tier 1 risk-based capital ratio | 10.6098% | 6,091 |
| Total risk-based capital ratio | 11.8621% | 5,988 |
| Memoranda: | ||
| Average total assets | $289,704,200 | 2,254 |
| Average earning assets | $257,401,000 | 2,308 |
| Average equity | $23,024,600 | 2,844 |
| Average total loans | $223,847,600 | 2,093 |