Home > First Associations Bank > Performance and Condition Ratios
First Associations Bank, Performance and Condition Ratios
| 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 | 2.7050% | 6,875 |
| Cost of funding earning assets | 0.2282% | 6,759 |
| Net interest margin | 2.4768% | 6,725 |
| Noninterest income to average assets | 0.0404% | 6,726 |
| Noninterest expense to average assets | 1.7399% | 6,688 |
| Loan and lease loss provision to assets | -0.0152% | 6,829 |
| Net operating income to assets | 0.7250% | 3,621 |
| Return on assets (ROA) | 1.7741% | 599 |
| Pretax return on assets | 1.7741% | 967 |
| Return on Equity (ROE) | 14.4108% | 916 |
| Retained earnings to average equity (ytd only) | 13.0566% | 249 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0243% | 3,622 |
| Assets per employee ($millions) | 26.8332% | 45 |
| Cash dividends to net income (ytd only)* | 9.3972% | 4,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 5,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 5.9660% | 7,025 |
| Net loans and leases to deposits | 7.0084% | 7,031 |
| Net loans and leases to core deposits | 7.1833% | 7,023 |
| Total domestic deposits to total assets | 85.1256% | 3,806 |
| Equity capital to assets | 12.3048% | 1,856 |
| Core capital (leverage) ratio | 11.2643% | 2,043 |
| Tier 1 risk-based capital ratio | 44.3094% | 178 |
| Total risk-based capital ratio | 44.5558% | 186 |
| Memoranda: | ||
| Average total assets | $356,289,600 | 1,821 |
| Average earning assets | $346,581,200 | 1,718 |
| Average equity | $43,863,000 | 1,590 |
| Average total loans | $16,340,600 | 6,581 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8764% | 6,942 |
| Cost of funding earning assets | 0.2380% | 6,854 |
| Net interest margin | 2.6383% | 6,716 |
| Noninterest income to average assets | 0.0410% | 6,831 |
| Noninterest expense to average assets | 1.7444% | 6,745 |
| Loan and lease loss provision to assets | -0.0288% | 6,973 |
| Net operating income to assets | 0.8987% | 2,983 |
| Return on assets (ROA) | 1.4280% | 1,285 |
| Pretax return on assets | 1.4280% | 2,148 |
| Return on Equity (ROE) | 11.5975% | 1,759 |
| Retained earnings to average equity (ytd only) | 9.7673% | 976 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7247% | 4,303 |
| Assets per employee ($millions) | 27.3982% | 48 |
| Cash dividends to net income (ytd only)* | 15.7811% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 5,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 5.2238% | 7,133 |
| Net loans and leases to deposits | 6.0908% | 7,138 |
| Net loans and leases to core deposits | 6.2322% | 7,128 |
| Total domestic deposits to total assets | 85.7652% | 3,381 |
| Equity capital to assets | 12.8740% | 1,660 |
| Core capital (leverage) ratio | 10.5055% | 2,904 |
| Tier 1 risk-based capital ratio | 44.7902% | 178 |
| Total risk-based capital ratio | 45.0300% | 186 |
| Memoranda: | ||
| Average total assets | $351,445,750 | 1,861 |
| Average earning assets | $342,784,500 | 1,757 |
| Average equity | $43,272,500 | 1,624 |
| Average total loans | $14,766,750 | 6,758 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9680% | 6,985 |
| Cost of funding earning assets | 0.2534% | 6,898 |
| Net interest margin | 2.7145% | 6,696 |
| Noninterest income to average assets | 0.0406% | 6,890 |
| Noninterest expense to average assets | 1.8224% | 6,726 |
| Loan and lease loss provision to assets | -0.0560% | 7,083 |
| Net operating income to assets | 0.9192% | 2,813 |
| Return on assets (ROA) | 1.6235% | 893 |
| Pretax return on assets | 1.6235% | 1,480 |
| Return on Equity (ROE) | 13.3924% | 1,258 |
| Retained earnings to average equity (ytd only) | 10.5913% | 833 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8587% | 4,153 |
| Assets per employee ($millions) | 27.7958% | 44 |
| Cash dividends to net income (ytd only)* | 20.9155% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 5,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 4.4046% | 7,198 |
| Net loans and leases to deposits | 5.0791% | 7,203 |
| Net loans and leases to core deposits | 5.1870% | 7,194 |
| Total domestic deposits to total assets | 86.7202% | 2,950 |
| Equity capital to assets | 11.9971% | 2,154 |
| Core capital (leverage) ratio | 10.1071% | 3,264 |
| Tier 1 risk-based capital ratio | 44.5718% | 173 |
| Total risk-based capital ratio | 44.7899% | 185 |
| Memoranda: | ||
| Average total assets | $349,869,000 | 1,871 |
| Average earning assets | $340,905,000 | 1,766 |
| Average equity | $42,412,000 | 1,649 |
| Average total loans | $13,419,670 | 6,860 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0888% | 7,007 |
| Cost of funding earning assets | 0.2577% | 6,987 |
| Net interest margin | 2.8311% | 6,585 |
| Noninterest income to average assets | 0.0407% | 6,970 |
| Noninterest expense to average assets | 2.0109% | 6,441 |
| Loan and lease loss provision to assets | -0.1279% | 7,191 |
| Net operating income to assets | 0.9159% | 2,845 |
| Return on assets (ROA) | 1.7691% | 717 |
| Pretax return on assets | 1.7691% | 1,154 |
| Return on Equity (ROE) | 14.5151% | 1,073 |
| Retained earnings to average equity (ytd only) | 8.8502% | 1,641 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8439% | 3,472 |
| Assets per employee ($millions) | 28.1832% | 44 |
| Cash dividends to net income (ytd only)* | 39.0276% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 4,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 3.4096% | 7,261 |
| Net loans and leases to deposits | 3.9133% | 7,266 |
| Net loans and leases to core deposits | 4.0311% | 7,255 |
| Total domestic deposits to total assets | 87.1265% | 2,885 |
| Equity capital to assets | 11.3630% | 2,568 |
| Core capital (leverage) ratio | 10.0291% | 3,332 |
| Tier 1 risk-based capital ratio | 43.8430% | 179 |
| Total risk-based capital ratio | 44.0507% | 186 |
| Memoranda: | ||
| Average total assets | $344,130,500 | 1,907 |
| Average earning assets | $335,278,000 | 1,802 |
| Average equity | $41,942,500 | 1,649 |
| Average total loans | $12,081,500 | 6,982 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3534% | 7,076 |
| Cost of funding earning assets | 0.3908% | 6,917 |
| Net interest margin | 2.9626% | 6,581 |
| Noninterest income to average assets | 0.0474% | 6,846 |
| Noninterest expense to average assets | 1.6065% | 7,114 |
| Loan and lease loss provision to assets | 0.0736% | 5,695 |
| Net operating income to assets | 1.2441% | 1,395 |
| Return on assets (ROA) | 1.6584% | 634 |
| Pretax return on assets | 1.6584% | 1,085 |
| Return on Equity (ROE) | 13.0162% | 1,167 |
| Retained earnings to average equity (ytd only) | 11.4266% | 357 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9376% | 6,432 |
| Assets per employee ($millions) | 26.8233% | 47 |
| Cash dividends to net income (ytd only)* | 12.2122% | 3,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4168% | 1,435 |
| Loan loss allowance to noncurrent loans | 190.4110% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 6,845 |
| Noncurrent loans to loans | 1.2692% | 4,251 |
| Net loans and leases to total assets | 3.4873% | 7,309 |
| Net loans and leases to deposits | 4.0458% | 7,315 |
| Net loans and leases to core deposits | 4.1711% | 7,302 |
| Total domestic deposits to total assets | 86.1967% | 3,200 |
| Equity capital to assets | 13.1269% | 1,429 |
| Core capital (leverage) ratio | 11.3869% | 1,978 |
| Tier 1 risk-based capital ratio | 46.7682% | 157 |
| Total risk-based capital ratio | 47.1447% | 161 |
| Memoranda: | ||
| Average total assets | $293,300,800 | 2,177 |
| Average earning assets | $284,814,400 | 2,062 |
| Average equity | $37,368,800 | 1,798 |
| Average total loans | $8,511,400 | 7,164 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4616% | 7,102 |
| Cost of funding earning assets | 0.4317% | 6,934 |
| Net interest margin | 3.0299% | 6,522 |
| Noninterest income to average assets | 0.0480% | 6,964 |
| Noninterest expense to average assets | 1.5702% | 7,185 |
| Loan and lease loss provision to assets | 0.0280% | 6,086 |
| Net operating income to assets | 1.3927% | 1,171 |
| Return on assets (ROA) | 1.8237% | 539 |
| Pretax return on assets | 1.8237% | 912 |
| Return on Equity (ROE) | 14.4367% | 953 |
| Retained earnings to average equity (ytd only) | 12.2457% | 476 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5004% | 6,635 |
| Assets per employee ($millions) | 24.7317% | 52 |
| Cash dividends to net income (ytd only)* | 15.1763% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 5,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 3.2843% | 7,387 |
| Net loans and leases to deposits | 3.8446% | 7,392 |
| Net loans and leases to core deposits | 3.9638% | 7,379 |
| Total domestic deposits to total assets | 85.4259% | 3,541 |
| Equity capital to assets | 13.8658% | 1,217 |
| Core capital (leverage) ratio | 11.2622% | 2,187 |
| Tier 1 risk-based capital ratio | 51.3530% | 143 |
| Total risk-based capital ratio | 51.5397% | 146 |
| Memoranda: | ||
| Average total assets | $286,156,000 | 2,229 |
| Average earning assets | $277,936,750 | 2,120 |
| Average equity | $36,147,750 | 1,873 |
| Average total loans | $7,763,500 | 7,265 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4975% | 7,160 |
| Cost of funding earning assets | 0.4425% | 7,039 |
| Net interest margin | 3.0550% | 6,500 |
| Noninterest income to average assets | 0.0488% | 7,053 |
| Noninterest expense to average assets | 1.6468% | 7,226 |
| Loan and lease loss provision to assets | 0.0212% | 6,019 |
| Net operating income to assets | 1.3467% | 1,200 |
| Return on assets (ROA) | 1.9985% | 360 |
| Pretax return on assets | 1.9985% | 590 |
| Return on Equity (ROE) | 16.3805% | 622 |
| Retained earnings to average equity (ytd only) | 12.9350% | 394 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6244% | 6,557 |
| Assets per employee ($millions) | 26.9463% | 52 |
| Cash dividends to net income (ytd only)* | 21.0340% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 5,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 2.6710% | 7,461 |
| Net loans and leases to deposits | 3.0863% | 7,466 |
| Net loans and leases to core deposits | 3.1205% | 7,454 |
| Total domestic deposits to total assets | 86.5419% | 3,018 |
| Equity capital to assets | 12.6754% | 1,695 |
| Core capital (leverage) ratio | 10.7891% | 2,430 |
| Tier 1 risk-based capital ratio | 50.3239% | 147 |
| Total risk-based capital ratio | 50.4665% | 150 |
| Memoranda: | ||
| Average total assets | $282,614,670 | 2,265 |
| Average earning assets | $274,366,670 | 2,148 |
| Average equity | $34,480,000 | 1,934 |
| Average total loans | $7,061,670 | 7,354 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4599% | 7,230 |
| Cost of funding earning assets | 0.4560% | 7,100 |
| Net interest margin | 3.0038% | 6,565 |
| Noninterest income to average assets | 0.0493% | 7,140 |
| Noninterest expense to average assets | 1.6161% | 7,295 |
| Loan and lease loss provision to assets | 0.0435% | 5,449 |
| Net operating income to assets | 1.3042% | 1,254 |
| Return on assets (ROA) | 1.5378% | 846 |
| Pretax return on assets | 1.5378% | 1,336 |
| Return on Equity (ROE) | 12.8740% | 1,223 |
| Retained earnings to average equity (ytd only) | 12.8740% | 606 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5277% | 6,642 |
| Assets per employee ($millions) | 27.1235% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 4,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 2.2054% | 7,522 |
| Net loans and leases to deposits | 2.5096% | 7,527 |
| Net loans and leases to core deposits | 2.5333% | 7,513 |
| Total domestic deposits to total assets | 87.8797% | 2,438 |
| Equity capital to assets | 11.5127% | 2,251 |
| Core capital (leverage) ratio | 10.8407% | 2,321 |
| Tier 1 risk-based capital ratio | 49.3308% | 146 |
| Total risk-based capital ratio | 49.4758% | 152 |
| Memoranda: | ||
| Average total assets | $275,717,500 | 2,340 |
| Average earning assets | $267,525,500 | 2,215 |
| Average equity | $32,934,500 | 1,993 |
| Average total loans | $6,588,000 | 7,428 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6113% | 7,344 |
| Cost of funding earning assets | 0.6384% | 7,037 |
| Net interest margin | 2.9729% | 6,790 |
| Noninterest income to average assets | 0.0647% | 7,046 |
| Noninterest expense to average assets | 1.5179% | 7,440 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4334% | 880 |
| Return on assets (ROA) | 1.7479% | 510 |
| Pretax return on assets | 1.7479% | 854 |
| Return on Equity (ROE) | 13.8913% | 907 |
| Retained earnings to average equity (ytd only) | 13.8913% | 166 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4317% | 7,029 |
| Assets per employee ($millions) | 28.1197% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 6,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 2.5455% | 7,605 |
| Net loans and leases to deposits | 2.9205% | 7,608 |
| Net loans and leases to core deposits | 2.9413% | 7,591 |
| Total domestic deposits to total assets | 87.1577% | 2,741 |
| Equity capital to assets | 12.4547% | 1,663 |
| Core capital (leverage) ratio | 12.2478% | 1,407 |
| Tier 1 risk-based capital ratio | 54.8311% | 125 |
| Total risk-based capital ratio | 54.9436% | 131 |
| Memoranda: | ||
| Average total assets | $247,321,400 | 2,572 |
| Average earning assets | $240,132,800 | 2,425 |
| Average equity | $31,120,200 | 2,108 |
| Average total loans | $5,356,800 | 7,549 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 7,434 |
| Cost of funding earning assets | 0.6831% | 7,103 |
| Net interest margin | 3.0489% | 6,735 |
| Noninterest income to average assets | 0.0678% | 7,195 |
| Noninterest expense to average assets | 1.5329% | 7,534 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4999% | 925 |
| Return on assets (ROA) | 1.8138% | 530 |
| Pretax return on assets | 1.8138% | 902 |
| Return on Equity (ROE) | 14.3774% | 959 |
| Retained earnings to average equity (ytd only) | 14.3774% | 250 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5453% | 7,112 |
| Assets per employee ($millions) | 26.8990% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 5,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 2.0521% | 7,710 |
| Net loans and leases to deposits | 2.4005% | 7,712 |
| Net loans and leases to core deposits | 2.4234% | 7,695 |
| Total domestic deposits to total assets | 85.4856% | 3,354 |
| Equity capital to assets | 14.0600% | 1,149 |
| Core capital (leverage) ratio | 11.5019% | 1,940 |
| Tier 1 risk-based capital ratio | 56.2490% | 124 |
| Total risk-based capital ratio | 56.3683% | 130 |
| Memoranda: | ||
| Average total assets | $245,882,500 | 2,621 |
| Average earning assets | $239,116,750 | 2,475 |
| Average equity | $31,020,250 | 2,132 |
| Average total loans | $5,070,000 | 7,655 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7930% | 7,486 |
| Cost of funding earning assets | 0.7197% | 7,143 |
| Net interest margin | 3.0733% | 6,672 |
| Noninterest income to average assets | 0.0793% | 7,190 |
| Noninterest expense to average assets | 1.5545% | 7,591 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5173% | 880 |
| Return on assets (ROA) | 1.8329% | 494 |
| Pretax return on assets | 1.8329% | 832 |
| Return on Equity (ROE) | 15.0928% | 843 |
| Retained earnings to average equity (ytd only) | 15.0928% | 237 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6059% | 7,184 |
| Assets per employee ($millions) | 28.1101% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 5,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 1.9993% | 7,779 |
| Net loans and leases to deposits | 2.2927% | 7,782 |
| Net loans and leases to core deposits | 2.3287% | 7,765 |
| Total domestic deposits to total assets | 87.2023% | 2,429 |
| Equity capital to assets | 12.4056% | 1,861 |
| Core capital (leverage) ratio | 10.8245% | 2,381 |
| Tier 1 risk-based capital ratio | 52.5035% | 144 |
| Total risk-based capital ratio | 52.6192% | 149 |
| Memoranda: | ||
| Average total assets | $247,146,330 | 2,628 |
| Average earning assets | $240,657,000 | 2,472 |
| Average equity | $30,014,330 | 2,188 |
| Average total loans | $5,083,330 | 7,722 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8614% | 7,548 |
| Cost of funding earning assets | 0.7632% | 7,196 |
| Net interest margin | 3.0982% | 6,597 |
| Noninterest income to average assets | 0.1212% | 7,081 |
| Noninterest expense to average assets | 1.6133% | 7,648 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5265% | 855 |
| Return on assets (ROA) | 1.6575% | 724 |
| Pretax return on assets | 1.6575% | 1,145 |
| Return on Equity (ROE) | 13.8020% | 1,090 |
| Retained earnings to average equity (ytd only) | 13.8020% | 530 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3824% | 7,200 |
| Assets per employee ($millions) | 28.6430% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 5,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 1.9563% | 7,880 |
| Net loans and leases to deposits | 2.2233% | 7,882 |
| Net loans and leases to core deposits | 2.2605% | 7,866 |
| Total domestic deposits to total assets | 87.9885% | 2,067 |
| Equity capital to assets | 11.6813% | 2,242 |
| Core capital (leverage) ratio | 10.4863% | 2,635 |
| Tier 1 risk-based capital ratio | 49.2831% | 160 |
| Total risk-based capital ratio | 49.3968% | 167 |
| Memoranda: | ||
| Average total assets | $244,224,000 | 2,714 |
| Average earning assets | $237,945,000 | 2,554 |
| Average equity | $29,329,000 | 2,259 |
| Average total loans | $5,065,000 | 7,822 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 7,619 |
| Cost of funding earning assets | 0.9905% | 7,225 |
| Net interest margin | 3.1788% | 6,159 |
| Noninterest income to average assets | 0.0487% | 7,506 |
| Noninterest expense to average assets | 1.8031% | 7,605 |
| Loan and lease loss provision to assets | 0.0095% | 7,381 |
| Net operating income to assets | 1.3140% | 1,009 |
| Return on assets (ROA) | 1.6323% | 536 |
| Pretax return on assets | 1.6323% | 895 |
| Return on Equity (ROE) | 13.6984% | 836 |
| Retained earnings to average equity (ytd only) | 11.2958% | 265 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6682% | 6,812 |
| Assets per employee ($millions) | 25.6290% | 59 |
| Cash dividends to net income (ytd only)* | 17.5387% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 5,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 2.1516% | 7,956 |
| Net loans and leases to deposits | 2.5141% | 7,959 |
| Net loans and leases to core deposits | 2.6132% | 7,954 |
| Total domestic deposits to total assets | 85.5823% | 3,238 |
| Equity capital to assets | 12.3753% | 1,809 |
| Core capital (leverage) ratio | 11.8444% | 1,739 |
| Tier 1 risk-based capital ratio | 51.9404% | 149 |
| Total risk-based capital ratio | 52.0649% | 155 |
| Memoranda: | ||
| Average total assets | $209,584,400 | 3,067 |
| Average earning assets | $202,935,400 | 2,932 |
| Average equity | $24,973,800 | 2,612 |
| Average total loans | $4,737,600 | 7,902 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 7,666 |
| Cost of funding earning assets | 1.0223% | 7,339 |
| Net interest margin | 3.2895% | 5,686 |
| Noninterest income to average assets | 0.0502% | 7,649 |
| Noninterest expense to average assets | 1.9133% | 7,525 |
| Loan and lease loss provision to assets | 0.0117% | 7,215 |
| Net operating income to assets | 1.3064% | 1,199 |
| Return on assets (ROA) | 1.6908% | 602 |
| Pretax return on assets | 1.6908% | 989 |
| Return on Equity (ROE) | 14.3457% | 868 |
| Retained earnings to average equity (ytd only) | 11.0236% | 471 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2084% | 6,531 |
| Assets per employee ($millions) | 23.9118% | 64 |
| Cash dividends to net income (ytd only)* | 23.1571% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 5,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 2.2625% | 8,040 |
| Net loans and leases to deposits | 2.6308% | 8,042 |
| Net loans and leases to core deposits | 2.7415% | 8,033 |
| Total domestic deposits to total assets | 86.0009% | 2,705 |
| Equity capital to assets | 13.5591% | 1,471 |
| Core capital (leverage) ratio | 11.3521% | 2,157 |
| Tier 1 risk-based capital ratio | 55.1060% | 140 |
| Total risk-based capital ratio | 55.2381% | 141 |
| Memoranda: | ||
| Average total assets | $204,315,250 | 3,155 |
| Average earning assets | $197,593,000 | 3,018 |
| Average equity | $24,081,000 | 2,740 |
| Average total loans | $4,665,750 | 7,979 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4219% | 7,696 |
| Cost of funding earning assets | 1.0388% | 7,480 |
| Net interest margin | 3.3831% | 5,242 |
| Noninterest income to average assets | 0.0508% | 7,732 |
| Noninterest expense to average assets | 2.0211% | 7,428 |
| Loan and lease loss provision to assets | 0.0120% | 7,093 |
| Net operating income to assets | 1.2796% | 1,279 |
| Return on assets (ROA) | 1.4879% | 918 |
| Pretax return on assets | 1.4879% | 1,481 |
| Return on Equity (ROE) | 13.3415% | 1,111 |
| Retained earnings to average equity (ytd only) | 7.9799% | 1,213 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0108% | 6,397 |
| Assets per employee ($millions) | 23.9146% | 67 |
| Cash dividends to net income (ytd only)* | 40.1875% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 5,675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 2.2789% | 8,132 |
| Net loans and leases to deposits | 2.5842% | 8,136 |
| Net loans and leases to core deposits | 2.6630% | 8,127 |
| Total domestic deposits to total assets | 88.1890% | 1,679 |
| Equity capital to assets | 11.3985% | 2,600 |
| Core capital (leverage) ratio | 10.6104% | 2,726 |
| Tier 1 risk-based capital ratio | 50.5818% | 183 |
| Total risk-based capital ratio | 50.6961% | 187 |
| Memoranda: | ||
| Average total assets | $200,685,000 | 3,214 |
| Average earning assets | $193,493,670 | 3,099 |
| Average equity | $22,381,330 | 2,929 |
| Average total loans | $4,578,000 | 8,071 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4960% | 7,719 |
| Cost of funding earning assets | 1.0296% | 7,627 |
| Net interest margin | 3.4664% | 4,867 |
| Noninterest income to average assets | 0.0517% | 7,822 |
| Noninterest expense to average assets | 1.8965% | 7,554 |
| Loan and lease loss provision to assets | 0.0124% | 6,685 |
| Net operating income to assets | 1.4849% | 967 |
| Return on assets (ROA) | 1.6586% | 774 |
| Pretax return on assets | 1.6586% | 1,272 |
| Return on Equity (ROE) | 15.0571% | 967 |
| Retained earnings to average equity (ytd only) | 3.7924% | 3,780 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8806% | 6,986 |
| Assets per employee ($millions) | 27.4340% | 62 |
| Cash dividends to net income (ytd only)* | 74.8130% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 5,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 2.0841% | 8,185 |
| Net loans and leases to deposits | 2.3549% | 8,189 |
| Net loans and leases to core deposits | 2.3948% | 8,179 |
| Total domestic deposits to total assets | 88.4997% | 1,489 |
| Equity capital to assets | 11.2438% | 2,772 |
| Core capital (leverage) ratio | 11.3766% | 2,227 |
| Tier 1 risk-based capital ratio | 50.5269% | 197 |
| Total risk-based capital ratio | 50.6314% | 210 |
| Memoranda: | ||
| Average total assets | $193,412,000 | 3,319 |
| Average earning assets | $186,475,500 | 3,203 |
| Average equity | $21,305,500 | 3,076 |
| Average total loans | $4,387,500 | 8,122 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 7,962 |
| Cost of funding earning assets | 1.2035% | 7,942 |
| Net interest margin | 3.5352% | 5,168 |
| Noninterest income to average assets | 0.0863% | 7,704 |
| Noninterest expense to average assets | 1.9632% | 7,515 |
| Loan and lease loss provision to assets | 0.0236% | 7,101 |
| Net operating income to assets | 1.4206% | 1,186 |
| Return on assets (ROA) | 1.8222% | 509 |
| Pretax return on assets | 1.8222% | 899 |
| Return on Equity (ROE) | 13.8423% | 1,138 |
| Retained earnings to average equity (ytd only) | 13.8423% | 123 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6142% | 6,762 |
| Assets per employee ($millions) | 20.9190% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 5,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 2.4565% | 8,239 |
| Net loans and leases to deposits | 2.8414% | 8,244 |
| Net loans and leases to core deposits | 2.8680% | 8,234 |
| Total domestic deposits to total assets | 86.4525% | 2,191 |
| Equity capital to assets | 10.7163% | 3,283 |
| Core capital (leverage) ratio | 12.5811% | 1,715 |
| Tier 1 risk-based capital ratio | 49.6413% | 221 |
| Total risk-based capital ratio | 49.7623% | 229 |
| Memoranda: | ||
| Average total assets | $122,761,600 | 4,452 |
| Average earning assets | $115,326,800 | 4,374 |
| Average equity | $16,160,600 | 3,894 |
| Average total loans | $2,303,800 | 8,228 |