Home > First Bank of Georgia > Performance and Condition Ratios
First Bank of Georgia, 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 | 4.4525% | 1,686 |
| Cost of funding earning assets | 0.1942% | 5,494 |
| Net interest margin | 4.2583% | 1,000 |
| Noninterest income to average assets | 2.6077% | 259 |
| Noninterest expense to average assets | 4.6891% | 366 |
| Loan and lease loss provision to assets | 0.2088% | 932 |
| Net operating income to assets | 0.9386% | 2,697 |
| Return on assets (ROA) | 0.9386% | 2,817 |
| Pretax return on assets | 1.4674% | 1,740 |
| Return on Equity (ROE) | 6.6575% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.6575% | 1,873 |
| Net charge-offs to loans | 0.0206% | 3,267 |
| Credit loss provision to net charge-offs | 1,594.2857% | 226 |
| Earnings coverage of net charge-offs (x) | 127.9714% | 490 |
| Efficiency ratio | 73.6669% | 2,724 |
| Assets per employee ($millions) | 3.4444% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1491% | 6,262 |
| Loan loss allowance to noncurrent loans | 287.3626% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 1.2624% | 1,987 |
| Noncurrent loans to loans | 0.0519% | 5,538 |
| Net loans and leases to total assets | 63.5565% | 3,336 |
| Net loans and leases to deposits | 80.9768% | 2,670 |
| Net loans and leases to core deposits | 90.0015% | 2,350 |
| Total domestic deposits to total assets | 78.4873% | 5,191 |
| Equity capital to assets | 15.4193% | 623 |
| Core capital (leverage) ratio | 11.9660% | 1,682 |
| Tier 1 risk-based capital ratio | 15.3451% | 3,182 |
| Total risk-based capital ratio | 15.4725% | 3,733 |
| Memoranda: | ||
| Average total assets | $534,427,000 | 1,283 |
| Average earning assets | $471,598,000 | 1,323 |
| Average equity | $75,343,330 | 1,023 |
| Average total loans | $339,570,330 | 1,328 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 1,584 |
| Cost of funding earning assets | 0.1880% | 5,619 |
| Net interest margin | 4.2712% | 939 |
| Noninterest income to average assets | 2.4270% | 282 |
| Noninterest expense to average assets | 4.6738% | 381 |
| Loan and lease loss provision to assets | 0.2258% | 776 |
| Net operating income to assets | 0.8424% | 3,050 |
| Return on assets (ROA) | 0.8424% | 3,179 |
| Pretax return on assets | 1.3275% | 2,162 |
| Return on Equity (ROE) | 6.2842% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.2842% | 2,339 |
| Net charge-offs to loans | -0.0072% | 4,605 |
| Credit loss provision to net charge-offs | -4,950.0000% | 5,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0549% | 2,648 |
| Assets per employee ($millions) | 3.2635% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0907% | 6,345 |
| Loan loss allowance to noncurrent loans | 459.0909% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 1.1982% | 2,238 |
| Noncurrent loans to loans | 0.0198% | 5,725 |
| Net loans and leases to total assets | 62.3653% | 3,311 |
| Net loans and leases to deposits | 77.5184% | 2,873 |
| Net loans and leases to core deposits | 87.5953% | 2,367 |
| Total domestic deposits to total assets | 80.4523% | 4,945 |
| Equity capital to assets | 15.7238% | 587 |
| Core capital (leverage) ratio | 11.8736% | 1,720 |
| Tier 1 risk-based capital ratio | 14.1953% | 3,884 |
| Total risk-based capital ratio | 14.2652% | 4,514 |
| Memoranda: | ||
| Average total assets | $526,086,500 | 1,299 |
| Average earning assets | $468,065,500 | 1,343 |
| Average equity | $70,526,500 | 1,091 |
| Average total loans | $333,961,500 | 1,349 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 3,552 |
| Cost of funding earning assets | 0.3803% | 3,906 |
| Net interest margin | 3.6615% | 3,169 |
| Noninterest income to average assets | 2.1447% | 306 |
| Noninterest expense to average assets | 4.9624% | 313 |
| Loan and lease loss provision to assets | -0.3346% | 6,388 |
| Net operating income to assets | 0.6353% | 4,211 |
| Return on assets (ROA) | 0.6430% | 4,276 |
| Pretax return on assets | 0.8503% | 4,074 |
| Return on Equity (ROE) | 5.7022% | 4,305 |
| Retained earnings to average equity (ytd only) | -5.3816% | 6,191 |
| Net charge-offs to loans | -0.4444% | 6,380 |
| Credit loss provision to net charge-offs | 120.4152% | 1,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7544% | 802 |
| Assets per employee ($millions) | 3.1142% | 5,542 |
| Cash dividends to net income (ytd only)* | 194.3780% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 2,402 |
| Loan loss allowance to noncurrent loans | 544.3011% | 994 |
| Noncurrent assets plus other real estate owned to assets | 1.0364% | 2,671 |
| Noncurrent loans to loans | 0.2786% | 4,853 |
| Net loans and leases to total assets | 63.5969% | 3,275 |
| Net loans and leases to deposits | 77.8248% | 2,991 |
| Net loans and leases to core deposits | 88.2164% | 2,473 |
| Total domestic deposits to total assets | 81.7181% | 4,519 |
| Equity capital to assets | 11.0061% | 2,893 |
| Core capital (leverage) ratio | 10.9240% | 2,474 |
| Tier 1 risk-based capital ratio | 13.5948% | 4,349 |
| Total risk-based capital ratio | 14.8021% | 4,316 |
| Memoranda: | ||
| Average total assets | $520,026,800 | 1,293 |
| Average earning assets | $471,996,600 | 1,298 |
| Average equity | $58,644,400 | 1,245 |
| Average total loans | $325,121,400 | 1,347 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 3,607 |
| Cost of funding earning assets | 0.3828% | 3,983 |
| Net interest margin | 3.6536% | 3,210 |
| Noninterest income to average assets | 2.1136% | 314 |
| Noninterest expense to average assets | 4.1641% | 637 |
| Loan and lease loss provision to assets | -0.2040% | 6,392 |
| Net operating income to assets | 1.0222% | 2,357 |
| Return on assets (ROA) | 1.0317% | 2,375 |
| Pretax return on assets | 1.4785% | 1,717 |
| Return on Equity (ROE) | 9.0946% | 2,628 |
| Retained earnings to average equity (ytd only) | 5.7095% | 2,594 |
| Net charge-offs to loans | -0.2874% | 6,381 |
| Credit loss provision to net charge-offs | 114.5115% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7579% | 2,377 |
| Assets per employee ($millions) | 3.1649% | 5,498 |
| Cash dividends to net income (ytd only)* | 37.2208% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 2,375 |
| Loan loss allowance to noncurrent loans | 504.8991% | 961 |
| Noncurrent assets plus other real estate owned to assets | 1.1000% | 2,750 |
| Noncurrent loans to loans | 0.3129% | 4,971 |
| Net loans and leases to total assets | 62.3207% | 3,437 |
| Net loans and leases to deposits | 76.7734% | 3,101 |
| Net loans and leases to core deposits | 87.2413% | 2,509 |
| Total domestic deposits to total assets | 81.1748% | 4,777 |
| Equity capital to assets | 11.7266% | 2,289 |
| Core capital (leverage) ratio | 12.0439% | 1,677 |
| Tier 1 risk-based capital ratio | 15.1187% | 3,522 |
| Total risk-based capital ratio | 16.3690% | 3,464 |
| Memoranda: | ||
| Average total assets | $520,793,750 | 1,300 |
| Average earning assets | $471,997,500 | 1,304 |
| Average equity | $59,081,250 | 1,247 |
| Average total loans | $322,943,750 | 1,361 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 3,728 |
| Cost of funding earning assets | 0.3872% | 4,027 |
| Net interest margin | 3.6122% | 3,311 |
| Noninterest income to average assets | 1.8249% | 404 |
| Noninterest expense to average assets | 4.1139% | 663 |
| Loan and lease loss provision to assets | -0.2507% | 6,505 |
| Net operating income to assets | 0.8864% | 2,881 |
| Return on assets (ROA) | 0.9005% | 2,895 |
| Pretax return on assets | 1.2545% | 2,437 |
| Return on Equity (ROE) | 8.0290% | 3,072 |
| Retained earnings to average equity (ytd only) | 2.8778% | 4,372 |
| Net charge-offs to loans | -0.3666% | 6,473 |
| Credit loss provision to net charge-offs | 111.0922% | 1,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6966% | 1,919 |
| Assets per employee ($millions) | 3.1431% | 5,523 |
| Cash dividends to net income (ytd only)* | 64.1574% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 2,571 |
| Loan loss allowance to noncurrent loans | 478.0488% | 973 |
| Noncurrent assets plus other real estate owned to assets | 1.1309% | 2,815 |
| Noncurrent loans to loans | 0.3289% | 5,027 |
| Net loans and leases to total assets | 63.8705% | 3,089 |
| Net loans and leases to deposits | 79.2521% | 2,621 |
| Net loans and leases to core deposits | 90.4883% | 2,077 |
| Total domestic deposits to total assets | 80.5915% | 5,100 |
| Equity capital to assets | 11.5514% | 2,376 |
| Core capital (leverage) ratio | 11.7725% | 1,808 |
| Tier 1 risk-based capital ratio | 14.9297% | 3,678 |
| Total risk-based capital ratio | 16.1803% | 3,618 |
| Memoranda: | ||
| Average total assets | $519,268,330 | 1,292 |
| Average earning assets | $470,512,330 | 1,306 |
| Average equity | $58,239,000 | 1,254 |
| Average total loans | $319,701,670 | 1,363 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9200% | 4,010 |
| Cost of funding earning assets | 0.3920% | 4,065 |
| Net interest margin | 3.5280% | 3,578 |
| Noninterest income to average assets | 1.6836% | 439 |
| Noninterest expense to average assets | 4.1109% | 670 |
| Loan and lease loss provision to assets | -0.1709% | 6,545 |
| Net operating income to assets | 0.6922% | 3,729 |
| Return on assets (ROA) | 0.7013% | 3,759 |
| Pretax return on assets | 0.9500% | 3,518 |
| Return on Equity (ROE) | 6.3478% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.3478% | 2,353 |
| Net charge-offs to loans | -0.2531% | 6,442 |
| Credit loss provision to net charge-offs | 112.6904% | 1,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2803% | 1,640 |
| Assets per employee ($millions) | 3.2489% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 2,405 |
| Loan loss allowance to noncurrent loans | 296.3869% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 1.2427% | 2,779 |
| Noncurrent loans to loans | 0.5683% | 4,458 |
| Net loans and leases to total assets | 59.4956% | 3,636 |
| Net loans and leases to deposits | 72.7338% | 3,244 |
| Net loans and leases to core deposits | 82.8672% | 2,652 |
| Total domestic deposits to total assets | 81.7990% | 4,998 |
| Equity capital to assets | 11.2265% | 2,499 |
| Core capital (leverage) ratio | 12.0557% | 1,622 |
| Tier 1 risk-based capital ratio | 15.4923% | 3,435 |
| Total risk-based capital ratio | 16.7436% | 3,400 |
| Memoranda: | ||
| Average total assets | $519,600,500 | 1,297 |
| Average earning assets | $470,411,500 | 1,311 |
| Average equity | $57,405,500 | 1,266 |
| Average total loans | $311,289,000 | 1,394 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0185% | 4,027 |
| Cost of funding earning assets | 0.4636% | 3,982 |
| Net interest margin | 3.5549% | 3,657 |
| Noninterest income to average assets | 2.3760% | 302 |
| Noninterest expense to average assets | 4.2428% | 666 |
| Loan and lease loss provision to assets | -0.4045% | 6,716 |
| Net operating income to assets | 1.2606% | 1,359 |
| Return on assets (ROA) | 1.2735% | 1,378 |
| Pretax return on assets | 1.7889% | 773 |
| Return on Equity (ROE) | 11.3480% | 1,656 |
| Retained earnings to average equity (ytd only) | 11.0638% | 411 |
| Net charge-offs to loans | -0.4743% | 6,721 |
| Credit loss provision to net charge-offs | 141.6899% | 1,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6424% | 2,836 |
| Assets per employee ($millions) | 3.1281% | 5,621 |
| Cash dividends to net income (ytd only)* | 2.5047% | 4,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 2,234 |
| Loan loss allowance to noncurrent loans | 274.0153% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 1.3276% | 2,762 |
| Noncurrent loans to loans | 0.6388% | 4,381 |
| Net loans and leases to total assets | 58.2576% | 3,992 |
| Net loans and leases to deposits | 71.5690% | 3,581 |
| Net loans and leases to core deposits | 81.7031% | 2,932 |
| Total domestic deposits to total assets | 81.4006% | 5,067 |
| Equity capital to assets | 10.8671% | 2,742 |
| Core capital (leverage) ratio | 11.9280% | 1,656 |
| Tier 1 risk-based capital ratio | 15.9947% | 3,091 |
| Total risk-based capital ratio | 17.2469% | 3,051 |
| Memoranda: | ||
| Average total assets | $501,598,200 | 1,328 |
| Average earning assets | $456,189,800 | 1,332 |
| Average equity | $56,291,800 | 1,270 |
| Average total loans | $301,928,600 | 1,396 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 4,056 |
| Cost of funding earning assets | 0.4779% | 3,986 |
| Net interest margin | 3.5418% | 3,702 |
| Noninterest income to average assets | 2.7319% | 265 |
| Noninterest expense to average assets | 4.4133% | 568 |
| Loan and lease loss provision to assets | -0.4785% | 6,828 |
| Net operating income to assets | 1.4326% | 1,020 |
| Return on assets (ROA) | 1.4499% | 1,037 |
| Pretax return on assets | 2.0480% | 520 |
| Return on Equity (ROE) | 12.8142% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.4355% | 376 |
| Net charge-offs to loans | -0.4462% | 6,767 |
| Credit loss provision to net charge-offs | 177.4578% | 1,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0676% | 3,059 |
| Assets per employee ($millions) | 3.1041% | 5,667 |
| Cash dividends to net income (ytd only)* | 2.9548% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 2,365 |
| Loan loss allowance to noncurrent loans | 163.2692% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.6618% | 2,473 |
| Noncurrent loans to loans | 1.0908% | 3,611 |
| Net loans and leases to total assets | 57.0935% | 4,159 |
| Net loans and leases to deposits | 66.3803% | 4,258 |
| Net loans and leases to core deposits | 75.8388% | 3,633 |
| Total domestic deposits to total assets | 86.0097% | 3,247 |
| Equity capital to assets | 11.2684% | 2,498 |
| Core capital (leverage) ratio | 12.0045% | 1,667 |
| Tier 1 risk-based capital ratio | 16.2976% | 3,039 |
| Total risk-based capital ratio | 17.5512% | 2,998 |
| Memoranda: | ||
| Average total assets | $497,964,000 | 1,345 |
| Average earning assets | $453,651,750 | 1,347 |
| Average equity | $56,342,500 | 1,276 |
| Average total loans | $300,899,500 | 1,407 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 4,076 |
| Cost of funding earning assets | 0.4909% | 3,981 |
| Net interest margin | 3.5174% | 3,707 |
| Noninterest income to average assets | 2.8603% | 272 |
| Noninterest expense to average assets | 4.2327% | 671 |
| Loan and lease loss provision to assets | -0.7246% | 6,901 |
| Net operating income to assets | 1.7964% | 527 |
| Return on assets (ROA) | 1.8220% | 528 |
| Pretax return on assets | 2.5985% | 250 |
| Return on Equity (ROE) | 16.0813% | 655 |
| Retained earnings to average equity (ytd only) | 16.0813% | 187 |
| Net charge-offs to loans | -0.5316% | 6,829 |
| Credit loss provision to net charge-offs | 222.7441% | 1,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7317% | 3,876 |
| Assets per employee ($millions) | 3.1825% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 2,925 |
| Loan loss allowance to noncurrent loans | 125.2778% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.7447% | 2,501 |
| Noncurrent loans to loans | 1.3284% | 3,336 |
| Net loans and leases to total assets | 59.0442% | 3,823 |
| Net loans and leases to deposits | 68.9139% | 3,868 |
| Net loans and leases to core deposits | 79.4589% | 3,094 |
| Total domestic deposits to total assets | 85.6782% | 3,541 |
| Equity capital to assets | 11.3178% | 2,445 |
| Core capital (leverage) ratio | 11.8815% | 1,679 |
| Tier 1 risk-based capital ratio | 16.4800% | 2,947 |
| Total risk-based capital ratio | 17.7301% | 2,903 |
| Memoranda: | ||
| Average total assets | $497,362,670 | 1,341 |
| Average earning assets | $453,856,670 | 1,346 |
| Average equity | $56,351,330 | 1,281 |
| Average total loans | $304,363,000 | 1,383 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 4,192 |
| Cost of funding earning assets | 0.5013% | 4,078 |
| Net interest margin | 3.4807% | 3,779 |
| Noninterest income to average assets | 3.0341% | 246 |
| Noninterest expense to average assets | 4.1100% | 786 |
| Loan and lease loss provision to assets | -0.4837% | 6,953 |
| Net operating income to assets | 1.8982% | 411 |
| Return on assets (ROA) | 1.9060% | 435 |
| Pretax return on assets | 2.5930% | 233 |
| Return on Equity (ROE) | 16.8132% | 527 |
| Retained earnings to average equity (ytd only) | 16.8132% | 239 |
| Net charge-offs to loans | -0.1795% | 6,656 |
| Credit loss provision to net charge-offs | 436.2319% | 601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1965% | 4,631 |
| Assets per employee ($millions) | 3.1593% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 2,529 |
| Loan loss allowance to noncurrent loans | 154.7351% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7936% | 2,611 |
| Noncurrent loans to loans | 1.1798% | 3,801 |
| Net loans and leases to total assets | 60.2896% | 3,377 |
| Net loans and leases to deposits | 69.6071% | 3,558 |
| Net loans and leases to core deposits | 80.3085% | 2,776 |
| Total domestic deposits to total assets | 86.6141% | 3,172 |
| Equity capital to assets | 11.7381% | 2,227 |
| Core capital (leverage) ratio | 11.6512% | 1,782 |
| Tier 1 risk-based capital ratio | 16.2337% | 3,136 |
| Total risk-based capital ratio | 17.4878% | 3,087 |
| Memoranda: | ||
| Average total assets | $497,807,000 | 1,354 |
| Average earning assets | $454,052,500 | 1,356 |
| Average equity | $56,432,000 | 1,294 |
| Average total loans | $307,494,500 | 1,382 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4763% | 3,498 |
| Cost of funding earning assets | 0.8013% | 2,655 |
| Net interest margin | 3.6750% | 3,766 |
| Noninterest income to average assets | 2.6601% | 291 |
| Noninterest expense to average assets | 4.2274% | 743 |
| Loan and lease loss provision to assets | -0.1204% | 6,936 |
| Net operating income to assets | 1.3633% | 1,167 |
| Return on assets (ROA) | 1.3485% | 1,325 |
| Pretax return on assets | 1.8935% | 762 |
| Return on Equity (ROE) | 12.8427% | 1,273 |
| Retained earnings to average equity (ytd only) | 9.9993% | 600 |
| Net charge-offs to loans | 0.0759% | 4,923 |
| Credit loss provision to net charge-offs | -246.9388% | 6,426 |
| Earnings coverage of net charge-offs (x) | 36.7878% | 862 |
| Efficiency ratio | 70.2069% | 3,771 |
| Assets per employee ($millions) | 3.2431% | 5,532 |
| Cash dividends to net income (ytd only)* | 22.1402% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8946% | 2,308 |
| Loan loss allowance to noncurrent loans | 152.8234% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 1.9315% | 2,532 |
| Noncurrent loans to loans | 1.2397% | 3,774 |
| Net loans and leases to total assets | 60.9406% | 3,433 |
| Net loans and leases to deposits | 73.8220% | 3,119 |
| Net loans and leases to core deposits | 86.3974% | 2,259 |
| Total domestic deposits to total assets | 82.5508% | 4,912 |
| Equity capital to assets | 10.9470% | 3,017 |
| Core capital (leverage) ratio | 11.1292% | 2,143 |
| Tier 1 risk-based capital ratio | 15.3391% | 3,517 |
| Total risk-based capital ratio | 16.5892% | 3,474 |
| Memoranda: | ||
| Average total assets | $502,415,800 | 1,327 |
| Average earning assets | $459,513,600 | 1,328 |
| Average equity | $52,753,800 | 1,351 |
| Average total loans | $322,653,200 | 1,305 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5522% | 3,419 |
| Cost of funding earning assets | 0.8804% | 2,309 |
| Net interest margin | 3.6717% | 3,913 |
| Noninterest income to average assets | 2.7921% | 273 |
| Noninterest expense to average assets | 4.1551% | 767 |
| Loan and lease loss provision to assets | -0.0795% | 7,020 |
| Net operating income to assets | 1.4203% | 1,183 |
| Return on assets (ROA) | 1.4223% | 1,296 |
| Pretax return on assets | 2.0821% | 593 |
| Return on Equity (ROE) | 13.6922% | 1,174 |
| Retained earnings to average equity (ytd only) | 9.8533% | 951 |
| Net charge-offs to loans | -0.0213% | 6,514 |
| Credit loss provision to net charge-offs | 575.0000% | 454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5104% | 4,175 |
| Assets per employee ($millions) | 3.4386% | 5,121 |
| Cash dividends to net income (ytd only)* | 28.0374% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9943% | 2,183 |
| Loan loss allowance to noncurrent loans | 256.0328% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 1.8843% | 2,807 |
| Noncurrent loans to loans | 0.7789% | 4,853 |
| Net loans and leases to total assets | 62.4719% | 3,304 |
| Net loans and leases to deposits | 75.4830% | 3,065 |
| Net loans and leases to core deposits | 87.2084% | 2,314 |
| Total domestic deposits to total assets | 82.7628% | 4,738 |
| Equity capital to assets | 10.5379% | 3,799 |
| Core capital (leverage) ratio | 10.5232% | 2,883 |
| Tier 1 risk-based capital ratio | 14.6037% | 4,116 |
| Total risk-based capital ratio | 15.8595% | 4,085 |
| Memoranda: | ||
| Average total assets | $501,540,000 | 1,346 |
| Average earning assets | $459,315,500 | 1,346 |
| Average equity | $52,096,500 | 1,372 |
| Average total loans | $324,750,500 | 1,308 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 3,355 |
| Cost of funding earning assets | 0.9166% | 2,280 |
| Net interest margin | 3.6847% | 3,899 |
| Noninterest income to average assets | 2.5363% | 293 |
| Noninterest expense to average assets | 3.9373% | 1,024 |
| Loan and lease loss provision to assets | 0.1731% | 3,373 |
| Net operating income to assets | 1.2417% | 1,580 |
| Return on assets (ROA) | 1.2420% | 1,763 |
| Pretax return on assets | 1.8056% | 1,032 |
| Return on Equity (ROE) | 12.0169% | 1,660 |
| Retained earnings to average equity (ytd only) | 12.0169% | 581 |
| Net charge-offs to loans | 0.2350% | 3,161 |
| Credit loss provision to net charge-offs | 113.1579% | 2,410 |
| Earnings coverage of net charge-offs (x) | 12.9316% | 1,840 |
| Efficiency ratio | 66.5578% | 4,411 |
| Assets per employee ($millions) | 3.3100% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1000% | 2,000 |
| Loan loss allowance to noncurrent loans | 196.9540% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 2.0450% | 2,730 |
| Noncurrent loans to loans | 1.0662% | 4,384 |
| Net loans and leases to total assets | 63.9296% | 3,051 |
| Net loans and leases to deposits | 77.2746% | 2,789 |
| Net loans and leases to core deposits | 90.7376% | 1,904 |
| Total domestic deposits to total assets | 82.7304% | 4,865 |
| Equity capital to assets | 10.6380% | 3,529 |
| Core capital (leverage) ratio | 10.4307% | 2,879 |
| Tier 1 risk-based capital ratio | 13.1619% | 5,070 |
| Total risk-based capital ratio | 14.4179% | 5,040 |
| Memoranda: | ||
| Average total assets | $496,791,000 | 1,362 |
| Average earning assets | $455,609,000 | 1,355 |
| Average equity | $51,344,330 | 1,386 |
| Average total loans | $323,407,670 | 1,314 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6292% | 3,362 |
| Cost of funding earning assets | 0.9442% | 2,346 |
| Net interest margin | 3.6851% | 3,901 |
| Noninterest income to average assets | 2.3478% | 328 |
| Noninterest expense to average assets | 3.9630% | 976 |
| Loan and lease loss provision to assets | 0.2463% | 2,497 |
| Net operating income to assets | 1.0604% | 2,254 |
| Return on assets (ROA) | 1.0604% | 2,447 |
| Pretax return on assets | 1.5175% | 1,828 |
| Return on Equity (ROE) | 10.4141% | 2,261 |
| Retained earnings to average equity (ytd only) | 10.4141% | 1,174 |
| Net charge-offs to loans | 0.2622% | 2,619 |
| Credit loss provision to net charge-offs | 144.5498% | 1,711 |
| Earnings coverage of net charge-offs (x) | 10.3507% | 1,764 |
| Efficiency ratio | 69.2004% | 3,948 |
| Assets per employee ($millions) | 3.4309% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2038% | 1,873 |
| Loan loss allowance to noncurrent loans | 112.6204% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 2.5492% | 2,319 |
| Noncurrent loans to loans | 1.9569% | 3,216 |
| Net loans and leases to total assets | 61.5296% | 3,349 |
| Net loans and leases to deposits | 73.7979% | 3,139 |
| Net loans and leases to core deposits | 88.9430% | 1,959 |
| Total domestic deposits to total assets | 83.3758% | 4,776 |
| Equity capital to assets | 10.2636% | 3,775 |
| Core capital (leverage) ratio | 10.1499% | 3,177 |
| Tier 1 risk-based capital ratio | 12.8774% | 5,298 |
| Total risk-based capital ratio | 14.1339% | 5,276 |
| Memoranda: | ||
| Average total assets | $495,279,500 | 1,366 |
| Average earning assets | $454,158,000 | 1,362 |
| Average equity | $50,431,500 | 1,403 |
| Average total loans | $321,920,000 | 1,316 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7609% | 3,977 |
| Cost of funding earning assets | 1.2159% | 1,925 |
| Net interest margin | 3.5450% | 4,962 |
| Noninterest income to average assets | 2.0849% | 354 |
| Noninterest expense to average assets | 3.8166% | 1,313 |
| Loan and lease loss provision to assets | 0.3428% | 2,951 |
| Net operating income to assets | 0.8457% | 2,847 |
| Return on assets (ROA) | 0.8485% | 2,981 |
| Pretax return on assets | 1.2283% | 2,359 |
| Return on Equity (ROE) | 9.0334% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.0334% | 791 |
| Net charge-offs to loans | 0.8201% | 2,109 |
| Credit loss provision to net charge-offs | 61.9218% | 5,121 |
| Earnings coverage of net charge-offs (x) | 2.8311% | 3,798 |
| Efficiency ratio | 70.8914% | 3,798 |
| Assets per employee ($millions) | 3.4005% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0566% | 2,110 |
| Loan loss allowance to noncurrent loans | 87.9752% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 2.9862% | 2,016 |
| Noncurrent loans to loans | 2.3377% | 2,810 |
| Net loans and leases to total assets | 65.7179% | 2,837 |
| Net loans and leases to deposits | 78.6711% | 2,733 |
| Net loans and leases to core deposits | 96.2571% | 1,471 |
| Total domestic deposits to total assets | 83.5349% | 4,524 |
| Equity capital to assets | 10.1005% | 4,036 |
| Core capital (leverage) ratio | 9.7366% | 3,694 |
| Tier 1 risk-based capital ratio | 12.1123% | 5,753 |
| Total risk-based capital ratio | 13.3678% | 5,727 |
| Memoranda: | ||
| Average total assets | $503,849,600 | 1,329 |
| Average earning assets | $468,862,400 | 1,309 |
| Average equity | $47,324,400 | 1,434 |
| Average total loans | $340,075,600 | 1,247 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7774% | 4,113 |
| Cost of funding earning assets | 1.2795% | 1,822 |
| Net interest margin | 3.4979% | 5,200 |
| Noninterest income to average assets | 2.1494% | 345 |
| Noninterest expense to average assets | 3.8364% | 1,256 |
| Loan and lease loss provision to assets | 0.3177% | 2,994 |
| Net operating income to assets | 0.8698% | 2,858 |
| Return on assets (ROA) | 0.8655% | 3,031 |
| Pretax return on assets | 1.2545% | 2,446 |
| Return on Equity (ROE) | 9.3864% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.3864% | 1,017 |
| Net charge-offs to loans | 0.5413% | 2,616 |
| Credit loss provision to net charge-offs | 86.8345% | 3,894 |
| Earnings coverage of net charge-offs (x) | 4.3144% | 3,105 |
| Efficiency ratio | 70.8487% | 3,778 |
| Assets per employee ($millions) | 3.4959% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3359% | 1,633 |
| Loan loss allowance to noncurrent loans | 66.7159% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 3.3621% | 1,891 |
| Noncurrent loans to loans | 3.5012% | 1,966 |
| Net loans and leases to total assets | 62.5084% | 3,609 |
| Net loans and leases to deposits | 73.9763% | 3,659 |
| Net loans and leases to core deposits | 88.8835% | 2,380 |
| Total domestic deposits to total assets | 84.4979% | 4,008 |
| Equity capital to assets | 9.5037% | 5,075 |
| Core capital (leverage) ratio | 9.5179% | 4,123 |
| Tier 1 risk-based capital ratio | 11.8357% | 6,015 |
| Total risk-based capital ratio | 13.0940% | 5,989 |
| Memoranda: | ||
| Average total assets | $506,543,750 | 1,326 |
| Average earning assets | $472,885,500 | 1,301 |
| Average equity | $46,704,750 | 1,457 |
| Average total loans | $342,384,250 | 1,252 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 3,777 |
| Cost of funding earning assets | 1.3533% | 1,634 |
| Net interest margin | 3.5123% | 5,100 |
| Noninterest income to average assets | 2.0953% | 339 |
| Noninterest expense to average assets | 3.7148% | 1,503 |
| Loan and lease loss provision to assets | 0.2186% | 3,735 |
| Net operating income to assets | 0.9889% | 2,272 |
| Return on assets (ROA) | 0.9824% | 2,396 |
| Pretax return on assets | 1.4331% | 1,714 |
| Return on Equity (ROE) | 10.7669% | 1,880 |
| Retained earnings to average equity (ytd only) | 10.7669% | 712 |
| Net charge-offs to loans | 0.3800% | 3,034 |
| Credit loss provision to net charge-offs | 83.6115% | 3,660 |
| Earnings coverage of net charge-offs (x) | 6.3536% | 2,411 |
| Efficiency ratio | 69.0996% | 4,305 |
| Assets per employee ($millions) | 3.2249% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2943% | 1,752 |
| Loan loss allowance to noncurrent loans | 56.2786% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 3.2638% | 2,049 |
| Noncurrent loans to loans | 4.0766% | 1,691 |
| Net loans and leases to total assets | 65.2549% | 3,196 |
| Net loans and leases to deposits | 78.7794% | 2,996 |
| Net loans and leases to core deposits | 99.1239% | 1,426 |
| Total domestic deposits to total assets | 82.8325% | 4,832 |
| Equity capital to assets | 9.3768% | 5,021 |
| Core capital (leverage) ratio | 9.2393% | 4,338 |
| Tier 1 risk-based capital ratio | 12.5979% | 5,258 |
| Total risk-based capital ratio | 13.8582% | 5,220 |
| Memoranda: | ||
| Average total assets | $504,090,330 | 1,338 |
| Average earning assets | $470,862,330 | 1,311 |
| Average equity | $45,993,000 | 1,469 |
| Average total loans | $346,873,670 | 1,252 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8706% | 3,721 |
| Cost of funding earning assets | 1.4259% | 1,489 |
| Net interest margin | 3.4447% | 5,247 |
| Noninterest income to average assets | 2.3039% | 302 |
| Noninterest expense to average assets | 3.7210% | 1,497 |
| Loan and lease loss provision to assets | 0.0787% | 5,018 |
| Net operating income to assets | 1.1617% | 1,620 |
| Return on assets (ROA) | 1.1412% | 1,741 |
| Pretax return on assets | 1.6899% | 1,007 |
| Return on Equity (ROE) | 12.6845% | 1,277 |
| Retained earnings to average equity (ytd only) | 12.6845% | 640 |
| Net charge-offs to loans | 0.6457% | 1,913 |
| Credit loss provision to net charge-offs | 17.4603% | 4,287 |
| Earnings coverage of net charge-offs (x) | 3.9894% | 2,584 |
| Efficiency ratio | 67.4110% | 4,771 |
| Assets per employee ($millions) | 3.1723% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1817% | 2,004 |
| Loan loss allowance to noncurrent loans | 154.2857% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 1.5127% | 3,982 |
| Noncurrent loans to loans | 1.4141% | 4,351 |
| Net loans and leases to total assets | 64.9440% | 3,250 |
| Net loans and leases to deposits | 77.1351% | 3,232 |
| Net loans and leases to core deposits | 98.6882% | 1,458 |
| Total domestic deposits to total assets | 84.1952% | 4,411 |
| Equity capital to assets | 8.9853% | 5,220 |
| Core capital (leverage) ratio | 9.1347% | 4,392 |
| Tier 1 risk-based capital ratio | 12.1382% | 5,565 |
| Total risk-based capital ratio | 13.3970% | 5,550 |
| Memoranda: | ||
| Average total assets | $502,983,000 | 1,342 |
| Average earning assets | $469,594,500 | 1,315 |
| Average equity | $45,252,000 | 1,483 |
| Average total loans | $351,237,000 | 1,247 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6060% | 1,870 |
| Cost of funding earning assets | 1.6736% | 1,718 |
| Net interest margin | 3.9324% | 3,333 |
| Noninterest income to average assets | 2.7302% | 258 |
| Noninterest expense to average assets | 4.2017% | 901 |
| Loan and lease loss provision to assets | 1.7258% | 818 |
| Net operating income to assets | 0.3402% | 4,790 |
| Return on assets (ROA) | 0.3441% | 4,932 |
| Pretax return on assets | 0.3447% | 5,099 |
| Return on Equity (ROE) | 3.8244% | 4,600 |
| Retained earnings to average equity (ytd only) | 3.8244% | 3,186 |
| Net charge-offs to loans | 1.4800% | 1,484 |
| Credit loss provision to net charge-offs | 150.2428% | 2,407 |
| Earnings coverage of net charge-offs (x) | 1.7991% | 4,370 |
| Efficiency ratio | 67.0313% | 4,759 |
| Assets per employee ($millions) | 2.9833% | 6,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1647% | 1,934 |
| Loan loss allowance to noncurrent loans | 125.7152% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 1.8190% | 3,604 |
| Noncurrent loans to loans | 1.7219% | 3,919 |
| Net loans and leases to total assets | 71.7885% | 2,145 |
| Net loans and leases to deposits | 85.6526% | 2,159 |
| Net loans and leases to core deposits | 111.5177% | 842 |
| Total domestic deposits to total assets | 83.8136% | 4,447 |
| Equity capital to assets | 9.0085% | 5,131 |
| Core capital (leverage) ratio | 9.1661% | 4,235 |
| Tier 1 risk-based capital ratio | 11.6505% | 5,771 |
| Total risk-based capital ratio | 12.9106% | 5,768 |
| Memoranda: | ||
| Average total assets | $484,136,600 | 1,383 |
| Average earning assets | $435,586,000 | 1,396 |
| Average equity | $43,562,000 | 1,529 |
| Average total loans | $375,751,600 | 1,208 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7288% | 1,612 |
| Cost of funding earning assets | 1.7141% | 1,801 |
| Net interest margin | 4.0147% | 3,031 |
| Noninterest income to average assets | 2.7045% | 252 |
| Noninterest expense to average assets | 4.3292% | 721 |
| Loan and lease loss provision to assets | 2.0588% | 569 |
| Net operating income to assets | 0.0349% | 5,915 |
| Return on assets (ROA) | 0.0382% | 6,044 |
| Pretax return on assets | -0.1005% | 6,221 |
| Return on Equity (ROE) | 0.4249% | 6,027 |
| Retained earnings to average equity (ytd only) | 0.4249% | 5,628 |
| Net charge-offs to loans | 1.8477% | 1,040 |
| Credit loss provision to net charge-offs | 141.5810% | 2,793 |
| Earnings coverage of net charge-offs (x) | 1.3430% | 4,737 |
| Efficiency ratio | 68.9123% | 4,285 |
| Assets per employee ($millions) | 2.9406% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9610% | 2,321 |
| Loan loss allowance to noncurrent loans | 123.4053% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 1.9069% | 3,601 |
| Noncurrent loans to loans | 1.5891% | 4,257 |
| Net loans and leases to total assets | 77.0904% | 1,207 |
| Net loans and leases to deposits | 92.1595% | 1,425 |
| Net loans and leases to core deposits | 117.9843% | 682 |
| Total domestic deposits to total assets | 83.6490% | 4,294 |
| Equity capital to assets | 9.2886% | 5,161 |
| Core capital (leverage) ratio | 8.9229% | 4,819 |
| Tier 1 risk-based capital ratio | 11.0938% | 6,292 |
| Total risk-based capital ratio | 12.3516% | 6,279 |
| Memoranda: | ||
| Average total assets | $481,365,000 | 1,411 |
| Average earning assets | $428,978,000 | 1,433 |
| Average equity | $43,299,500 | 1,541 |
| Average total loans | $378,844,750 | 1,205 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7609% | 1,527 |
| Cost of funding earning assets | 1.7384% | 1,925 |
| Net interest margin | 4.0225% | 2,908 |
| Noninterest income to average assets | 2.5007% | 272 |
| Noninterest expense to average assets | 4.3886% | 655 |
| Loan and lease loss provision to assets | 2.3885% | 482 |
| Net operating income to assets | -0.4133% | 6,581 |
| Return on assets (ROA) | -0.4083% | 6,614 |
| Pretax return on assets | -0.7246% | 6,740 |
| Return on Equity (ROE) | -4.5870% | 6,661 |
| Retained earnings to average equity (ytd only) | -4.5870% | 6,504 |
| Net charge-offs to loans | 2.4840% | 695 |
| Credit loss provision to net charge-offs | 122.1426% | 3,313 |
| Earnings coverage of net charge-offs (x) | 0.8469% | 4,925 |
| Efficiency ratio | 72.6020% | 3,726 |
| Assets per employee ($millions) | 2.9920% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 3,408 |
| Loan loss allowance to noncurrent loans | 145.5431% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 1.5768% | 4,092 |
| Noncurrent loans to loans | 1.1057% | 5,112 |
| Net loans and leases to total assets | 76.2907% | 1,431 |
| Net loans and leases to deposits | 90.0974% | 1,838 |
| Net loans and leases to core deposits | 118.4536% | 753 |
| Total domestic deposits to total assets | 84.6758% | 3,783 |
| Equity capital to assets | 8.6462% | 5,948 |
| Core capital (leverage) ratio | 8.6545% | 5,149 |
| Tier 1 risk-based capital ratio | 10.5097% | 6,679 |
| Total risk-based capital ratio | 11.7633% | 6,664 |
| Memoranda: | ||
| Average total assets | $484,986,000 | 1,411 |
| Average earning assets | $427,298,000 | 1,456 |
| Average equity | $43,165,000 | 1,538 |
| Average total loans | $381,804,000 | 1,210 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6375% | 1,996 |
| Cost of funding earning assets | 1.7527% | 2,116 |
| Net interest margin | 3.8847% | 3,396 |
| Noninterest income to average assets | 2.5130% | 253 |
| Noninterest expense to average assets | 4.1607% | 850 |
| Loan and lease loss provision to assets | 0.9010% | 1,412 |
| Net operating income to assets | 0.7326% | 3,291 |
| Return on assets (ROA) | 0.7326% | 3,401 |
| Pretax return on assets | 0.9101% | 3,427 |
| Return on Equity (ROE) | 8.1131% | 2,829 |
| Retained earnings to average equity (ytd only) | 8.1131% | 1,660 |
| Net charge-offs to loans | 0.9548% | 1,702 |
| Credit loss provision to net charge-offs | 118.9485% | 2,933 |
| Earnings coverage of net charge-offs (x) | 2.3910% | 3,345 |
| Efficiency ratio | 69.6721% | 4,373 |
| Assets per employee ($millions) | 2.9112% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 4,335 |
| Loan loss allowance to noncurrent loans | 79.6870% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 2.1765% | 3,302 |
| Noncurrent loans to loans | 1.7791% | 4,083 |
| Net loans and leases to total assets | 75.9254% | 1,556 |
| Net loans and leases to deposits | 90.2636% | 1,866 |
| Net loans and leases to core deposits | 127.1866% | 558 |
| Total domestic deposits to total assets | 84.1152% | 4,093 |
| Equity capital to assets | 9.1624% | 5,042 |
| Core capital (leverage) ratio | 9.1944% | 4,236 |
| Tier 1 risk-based capital ratio | 10.9156% | 6,238 |
| Total risk-based capital ratio | 12.1721% | 6,211 |
| Memoranda: | ||
| Average total assets | $482,134,500 | 1,453 |
| Average earning assets | $429,271,000 | 1,487 |
| Average equity | $43,534,500 | 1,539 |
| Average total loans | $382,469,500 | 1,242 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7094% | 3,053 |
| Cost of funding earning assets | 2.2546% | 1,823 |
| Net interest margin | 3.4548% | 5,153 |
| Noninterest income to average assets | 2.9650% | 233 |
| Noninterest expense to average assets | 4.3430% | 939 |
| Loan and lease loss provision to assets | 0.6480% | 3,210 |
| Net operating income to assets | 0.8153% | 2,475 |
| Return on assets (ROA) | 0.8240% | 2,525 |
| Pretax return on assets | 1.1160% | 2,199 |
| Return on Equity (ROE) | 9.5961% | 1,819 |
| Retained earnings to average equity (ytd only) | 9.5961% | 418 |
| Net charge-offs to loans | 0.5961% | 3,431 |
| Credit loss provision to net charge-offs | 134.3505% | 3,704 |
| Earnings coverage of net charge-offs (x) | 3.6330% | 3,266 |
| Efficiency ratio | 71.2522% | 4,401 |
| Assets per employee ($millions) | 2.9507% | 6,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 4,849 |
| Loan loss allowance to noncurrent loans | 81.9386% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 2.2020% | 3,124 |
| Noncurrent loans to loans | 1.5672% | 4,303 |
| Net loans and leases to total assets | 80.5743% | 903 |
| Net loans and leases to deposits | 96.1736% | 1,313 |
| Net loans and leases to core deposits | 131.5839% | 1,191 |
| Total domestic deposits to total assets | 83.7800% | 4,135 |
| Equity capital to assets | 8.8976% | 5,286 |
| Core capital (leverage) ratio | 8.9147% | 4,570 |
| Tier 1 risk-based capital ratio | 10.4496% | 6,449 |
| Total risk-based capital ratio | 11.6905% | 6,426 |
| Memoranda: | ||
| Average total assets | $475,619,000 | 1,460 |
| Average earning assets | $430,941,000 | 1,472 |
| Average equity | $40,839,600 | 1,637 |
| Average total loans | $384,809,600 | 1,248 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6585% | 3,527 |
| Cost of funding earning assets | 2.3685% | 1,749 |
| Net interest margin | 3.2900% | 5,682 |
| Noninterest income to average assets | 2.9651% | 228 |
| Noninterest expense to average assets | 4.2971% | 919 |
| Loan and lease loss provision to assets | 0.5378% | 3,237 |
| Net operating income to assets | 0.8119% | 2,760 |
| Return on assets (ROA) | 0.8224% | 2,777 |
| Pretax return on assets | 1.1271% | 2,482 |
| Return on Equity (ROE) | 9.6675% | 2,045 |
| Retained earnings to average equity (ytd only) | 9.6675% | 694 |
| Net charge-offs to loans | 0.2525% | 4,469 |
| Credit loss provision to net charge-offs | 263.8122% | 1,611 |
| Earnings coverage of net charge-offs (x) | 8.0967% | 2,308 |
| Efficiency ratio | 72.2496% | 4,200 |
| Assets per employee ($millions) | 2.9860% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 3,909 |
| Loan loss allowance to noncurrent loans | 68.9960% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 2.7357% | 2,542 |
| Noncurrent loans to loans | 2.0366% | 3,587 |
| Net loans and leases to total assets | 80.3334% | 1,118 |
| Net loans and leases to deposits | 96.7448% | 1,484 |
| Net loans and leases to core deposits | 127.6644% | 1,608 |
| Total domestic deposits to total assets | 83.0364% | 4,202 |
| Equity capital to assets | 8.8730% | 5,671 |
| Core capital (leverage) ratio | 8.7271% | 5,082 |
| Tier 1 risk-based capital ratio | 10.2172% | 6,765 |
| Total risk-based capital ratio | 11.4684% | 6,701 |
| Memoranda: | ||
| Average total assets | $473,544,750 | 1,483 |
| Average earning assets | $429,289,250 | 1,488 |
| Average equity | $40,285,250 | 1,676 |
| Average total loans | $382,266,000 | 1,277 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5744% | 4,191 |
| Cost of funding earning assets | 2.4406% | 1,813 |
| Net interest margin | 3.1338% | 6,144 |
| Noninterest income to average assets | 2.6725% | 243 |
| Noninterest expense to average assets | 4.2115% | 1,057 |
| Loan and lease loss provision to assets | 0.5253% | 2,919 |
| Net operating income to assets | 0.5766% | 3,783 |
| Return on assets (ROA) | 0.5926% | 3,818 |
| Pretax return on assets | 0.7993% | 3,677 |
| Return on Equity (ROE) | 7.0687% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.0687% | 1,554 |
| Net charge-offs to loans | 0.2011% | 4,281 |
| Credit loss provision to net charge-offs | 324.6073% | 1,440 |
| Earnings coverage of net charge-offs (x) | 8.0524% | 2,321 |
| Efficiency ratio | 76.3712% | 3,627 |
| Assets per employee ($millions) | 3.1094% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 4,262 |
| Loan loss allowance to noncurrent loans | 64.9981% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.0413% | 2,083 |
| Noncurrent loans to loans | 2.0029% | 3,518 |
| Net loans and leases to total assets | 79.8537% | 1,340 |
| Net loans and leases to deposits | 97.5726% | 1,591 |
| Net loans and leases to core deposits | 125.0783% | 1,944 |
| Total domestic deposits to total assets | 81.8403% | 4,756 |
| Equity capital to assets | 8.2711% | 6,382 |
| Core capital (leverage) ratio | 8.3988% | 5,623 |
| Tier 1 risk-based capital ratio | 9.6591% | 7,261 |
| Total risk-based capital ratio | 10.8949% | 7,226 |
| Memoranda: | ||
| Average total assets | $472,138,000 | 1,506 |
| Average earning assets | $428,173,330 | 1,509 |
| Average equity | $39,583,000 | 1,718 |
| Average total loans | $379,929,670 | 1,307 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4718% | 5,057 |
| Cost of funding earning assets | 2.5025% | 1,911 |
| Net interest margin | 2.9693% | 6,557 |
| Noninterest income to average assets | 2.2580% | 295 |
| Noninterest expense to average assets | 3.9568% | 1,236 |
| Loan and lease loss provision to assets | 0.5404% | 2,310 |
| Net operating income to assets | 0.3727% | 4,966 |
| Return on assets (ROA) | 0.3809% | 5,125 |
| Pretax return on assets | 0.4740% | 5,159 |
| Return on Equity (ROE) | 4.5119% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.5119% | 3,420 |
| Net charge-offs to loans | 0.1568% | 3,710 |
| Credit loss provision to net charge-offs | 429.4521% | 1,226 |
| Earnings coverage of net charge-offs (x) | 7.9795% | 2,256 |
| Efficiency ratio | 79.7603% | 2,852 |
| Assets per employee ($millions) | 3.0556% | 6,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 4,395 |
| Loan loss allowance to noncurrent loans | 57.0044% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 3.2143% | 1,722 |
| Noncurrent loans to loans | 2.1990% | 2,977 |
| Net loans and leases to total assets | 80.2889% | 1,327 |
| Net loans and leases to deposits | 94.8487% | 2,129 |
| Net loans and leases to core deposits | 120.7751% | 2,349 |
| Total domestic deposits to total assets | 84.6495% | 3,391 |
| Equity capital to assets | 8.4217% | 6,197 |
| Core capital (leverage) ratio | 8.3441% | 5,823 |
| Tier 1 risk-based capital ratio | 9.6025% | 7,336 |
| Total risk-based capital ratio | 10.7688% | 7,359 |
| Memoranda: | ||
| Average total assets | $464,117,500 | 1,539 |
| Average earning assets | $422,456,000 | 1,541 |
| Average equity | $39,185,500 | 1,735 |
| Average total loans | $372,409,000 | 1,349 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2749% | 4,096 |
| Cost of funding earning assets | 3.0958% | 1,517 |
| Net interest margin | 3.1791% | 6,430 |
| Noninterest income to average assets | 2.1508% | 307 |
| Noninterest expense to average assets | 3.8442% | 1,671 |
| Loan and lease loss provision to assets | 0.3198% | 3,814 |
| Net operating income to assets | 0.6361% | 4,163 |
| Return on assets (ROA) | 0.6552% | 3,932 |
| Pretax return on assets | 0.9488% | 3,558 |
| Return on Equity (ROE) | 7.9321% | 3,102 |
| Retained earnings to average equity (ytd only) | 7.9321% | 864 |
| Net charge-offs to loans | 0.6126% | 2,002 |
| Credit loss provision to net charge-offs | 65.2622% | 6,152 |
| Earnings coverage of net charge-offs (x) | 2.5325% | 4,809 |
| Efficiency ratio | 75.5971% | 3,306 |
| Assets per employee ($millions) | 3.0113% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 4,741 |
| Loan loss allowance to noncurrent loans | 84.6306% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 2.6651% | 1,792 |
| Noncurrent loans to loans | 1.3880% | 3,740 |
| Net loans and leases to total assets | 78.2268% | 2,079 |
| Net loans and leases to deposits | 95.4418% | 2,540 |
| Net loans and leases to core deposits | 115.4324% | 3,191 |
| Total domestic deposits to total assets | 81.9628% | 4,220 |
| Equity capital to assets | 8.4647% | 6,151 |
| Core capital (leverage) ratio | 8.6128% | 5,354 |
| Tier 1 risk-based capital ratio | 9.6009% | 7,210 |
| Total risk-based capital ratio | 10.6612% | 7,319 |
| Memoranda: | ||
| Average total assets | $455,310,400 | 1,506 |
| Average earning assets | $420,245,400 | 1,482 |
| Average equity | $37,606,600 | 1,796 |
| Average total loans | $364,210,800 | 1,330 |