Home > First Bank & Trust > Performance and Condition Ratios
First Bank & Trust, 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 | 3.9656% | 3,423 |
| Cost of funding earning assets | 0.3709% | 3,590 |
| Net interest margin | 3.5948% | 3,113 |
| Noninterest income to average assets | 0.5633% | 2,953 |
| Noninterest expense to average assets | 2.5435% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9105% | 2,815 |
| Return on assets (ROA) | 0.9105% | 2,945 |
| Pretax return on assets | 1.3658% | 2,124 |
| Return on Equity (ROE) | 8.7941% | 2,659 |
| Retained earnings to average equity (ytd only) | 3.4790% | 3,827 |
| Net charge-offs to loans | 0.0432% | 2,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 48.7500% | 975 |
| Efficiency ratio | 65.0627% | 4,180 |
| Assets per employee ($millions) | 7.3657% | 714 |
| Cash dividends to net income (ytd only)* | 60.4396% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 3,052 |
| Loan loss allowance to noncurrent loans | 136.1685% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 3,151 |
| Noncurrent loans to loans | 0.9801% | 2,685 |
| Net loans and leases to total assets | 66.1276% | 2,928 |
| Net loans and leases to deposits | 76.7170% | 3,190 |
| Net loans and leases to core deposits | 82.7284% | 3,106 |
| Total domestic deposits to total assets | 86.1968% | 2,581 |
| Equity capital to assets | 10.8654% | 3,032 |
| Core capital (leverage) ratio | 9.2247% | 4,656 |
| Tier 1 risk-based capital ratio | 11.3171% | 5,569 |
| Total risk-based capital ratio | 12.4125% | 5,556 |
| Memoranda: | ||
| Average total assets | $199,883,330 | 2,994 |
| Average earning assets | $186,049,000 | 2,975 |
| Average equity | $20,695,670 | 3,142 |
| Average total loans | $129,673,330 | 2,919 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8597% | 3,790 |
| Cost of funding earning assets | 0.3672% | 3,676 |
| Net interest margin | 3.4925% | 3,467 |
| Noninterest income to average assets | 0.5135% | 3,202 |
| Noninterest expense to average assets | 2.4599% | 4,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8664% | 2,921 |
| Return on assets (ROA) | 0.8664% | 3,036 |
| Pretax return on assets | 1.2976% | 2,300 |
| Return on Equity (ROE) | 8.5661% | 2,664 |
| Retained earnings to average equity (ytd only) | 3.5272% | 3,882 |
| Net charge-offs to loans | -0.0031% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4669% | 4,248 |
| Assets per employee ($millions) | 7.4850% | 678 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 3,151 |
| Loan loss allowance to noncurrent loans | 125.7762% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7980% | 3,118 |
| Noncurrent loans to loans | 1.0719% | 2,618 |
| Net loans and leases to total assets | 65.5009% | 2,851 |
| Net loans and leases to deposits | 76.4647% | 2,998 |
| Net loans and leases to core deposits | 84.8738% | 2,673 |
| Total domestic deposits to total assets | 85.6617% | 3,111 |
| Equity capital to assets | 10.7188% | 3,299 |
| Core capital (leverage) ratio | 8.9475% | 5,016 |
| Tier 1 risk-based capital ratio | 11.1131% | 5,754 |
| Total risk-based capital ratio | 12.2180% | 5,752 |
| Memoranda: | ||
| Average total assets | $204,071,500 | 2,965 |
| Average earning assets | $189,547,500 | 2,953 |
| Average equity | $20,639,500 | 3,171 |
| Average total loans | $130,334,000 | 2,910 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 3,417 |
| Cost of funding earning assets | 0.4277% | 3,409 |
| Net interest margin | 3.6479% | 3,221 |
| Noninterest income to average assets | 0.5736% | 3,029 |
| Noninterest expense to average assets | 2.5616% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9107% | 2,823 |
| Return on assets (ROA) | 0.9131% | 2,905 |
| Pretax return on assets | 1.3712% | 1,997 |
| Return on Equity (ROE) | 9.0470% | 2,562 |
| Retained earnings to average equity (ytd only) | 3.6763% | 3,606 |
| Net charge-offs to loans | -0.0991% | 6,107 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1943% | 4,374 |
| Assets per employee ($millions) | 8.2128% | 495 |
| Cash dividends to net income (ytd only)* | 59.3645% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 3,298 |
| Loan loss allowance to noncurrent loans | 130.2169% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 3,460 |
| Noncurrent loans to loans | 1.0171% | 2,790 |
| Net loans and leases to total assets | 60.7464% | 3,685 |
| Net loans and leases to deposits | 67.6120% | 4,165 |
| Net loans and leases to core deposits | 74.0227% | 3,916 |
| Total domestic deposits to total assets | 89.8456% | 800 |
| Equity capital to assets | 9.5625% | 4,634 |
| Core capital (leverage) ratio | 8.6517% | 5,390 |
| Tier 1 risk-based capital ratio | 10.1670% | 6,208 |
| Total risk-based capital ratio | 11.1883% | 6,231 |
| Memoranda: | ||
| Average total assets | $196,475,600 | 3,038 |
| Average earning assets | $180,736,000 | 3,032 |
| Average equity | $19,829,800 | 3,179 |
| Average total loans | $123,154,200 | 2,984 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 3,311 |
| Cost of funding earning assets | 0.4464% | 3,293 |
| Net interest margin | 3.6709% | 3,148 |
| Noninterest income to average assets | 0.5709% | 3,062 |
| Noninterest expense to average assets | 2.6276% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8844% | 2,991 |
| Return on assets (ROA) | 0.8844% | 3,096 |
| Pretax return on assets | 1.3145% | 2,319 |
| Return on Equity (ROE) | 8.6369% | 2,883 |
| Retained earnings to average equity (ytd only) | 3.4547% | 4,172 |
| Net charge-offs to loans | -0.0330% | 5,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6549% | 4,105 |
| Assets per employee ($millions) | 7.2580% | 710 |
| Cash dividends to net income (ytd only)* | 59.9996% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 3,372 |
| Loan loss allowance to noncurrent loans | 120.8944% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 3,640 |
| Noncurrent loans to loans | 1.1215% | 2,814 |
| Net loans and leases to total assets | 63.5783% | 3,250 |
| Net loans and leases to deposits | 72.4391% | 3,642 |
| Net loans and leases to core deposits | 80.7797% | 3,218 |
| Total domestic deposits to total assets | 87.7679% | 1,886 |
| Equity capital to assets | 10.6402% | 3,380 |
| Core capital (leverage) ratio | 9.0551% | 4,993 |
| Tier 1 risk-based capital ratio | 10.9927% | 5,990 |
| Total risk-based capital ratio | 12.0520% | 6,038 |
| Memoranda: | ||
| Average total assets | $192,211,500 | 3,098 |
| Average earning assets | $176,518,500 | 3,111 |
| Average equity | $19,682,500 | 3,202 |
| Average total loans | $121,079,250 | 3,033 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 3,577 |
| Cost of funding earning assets | 0.4491% | 3,335 |
| Net interest margin | 3.5938% | 3,382 |
| Noninterest income to average assets | 0.5264% | 3,291 |
| Noninterest expense to average assets | 2.6052% | 4,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8253% | 3,205 |
| Return on assets (ROA) | 0.8253% | 3,301 |
| Pretax return on assets | 1.2152% | 2,595 |
| Return on Equity (ROE) | 8.1635% | 3,010 |
| Retained earnings to average equity (ytd only) | 3.4066% | 4,033 |
| Net charge-offs to loans | -0.0480% | 5,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1917% | 3,969 |
| Assets per employee ($millions) | 7.3673% | 677 |
| Cash dividends to net income (ytd only)* | 58.2707% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 3,549 |
| Loan loss allowance to noncurrent loans | 117.6303% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 3,781 |
| Noncurrent loans to loans | 1.1545% | 2,922 |
| Net loans and leases to total assets | 62.4909% | 3,328 |
| Net loans and leases to deposits | 70.6144% | 3,737 |
| Net loans and leases to core deposits | 78.6711% | 3,355 |
| Total domestic deposits to total assets | 88.4960% | 1,642 |
| Equity capital to assets | 10.3685% | 3,597 |
| Core capital (leverage) ratio | 9.0026% | 5,011 |
| Tier 1 risk-based capital ratio | 11.0577% | 6,026 |
| Total risk-based capital ratio | 12.1337% | 6,041 |
| Memoranda: | ||
| Average total assets | $193,379,000 | 3,108 |
| Average earning assets | $177,249,670 | 3,113 |
| Average equity | $19,550,330 | 3,221 |
| Average total loans | $120,896,670 | 3,045 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 3,632 |
| Cost of funding earning assets | 0.4485% | 3,444 |
| Net interest margin | 3.5637% | 3,413 |
| Noninterest income to average assets | 0.4982% | 3,426 |
| Noninterest expense to average assets | 2.5920% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8050% | 3,130 |
| Return on assets (ROA) | 0.8050% | 3,208 |
| Pretax return on assets | 1.1776% | 2,580 |
| Return on Equity (ROE) | 8.0639% | 2,891 |
| Retained earnings to average equity (ytd only) | 3.4236% | 4,080 |
| Net charge-offs to loans | -0.0895% | 6,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7602% | 4,054 |
| Assets per employee ($millions) | 7.0783% | 780 |
| Cash dividends to net income (ytd only)* | 57.5448% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 3,692 |
| Loan loss allowance to noncurrent loans | 115.0943% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7488% | 3,877 |
| Noncurrent loans to loans | 1.2003% | 3,040 |
| Net loans and leases to total assets | 61.5219% | 3,311 |
| Net loans and leases to deposits | 68.9921% | 3,743 |
| Net loans and leases to core deposits | 76.6918% | 3,342 |
| Total domestic deposits to total assets | 89.1724% | 1,550 |
| Equity capital to assets | 10.2311% | 3,561 |
| Core capital (leverage) ratio | 8.9564% | 5,078 |
| Tier 1 risk-based capital ratio | 11.1839% | 6,081 |
| Total risk-based capital ratio | 12.2825% | 6,092 |
| Memoranda: | ||
| Average total assets | $194,293,000 | 3,116 |
| Average earning assets | $178,352,500 | 3,121 |
| Average equity | $19,395,000 | 3,239 |
| Average total loans | $120,670,000 | 3,060 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2267% | 3,241 |
| Cost of funding earning assets | 0.5487% | 3,122 |
| Net interest margin | 3.6779% | 3,143 |
| Noninterest income to average assets | 0.6734% | 2,684 |
| Noninterest expense to average assets | 2.5949% | 4,487 |
| Loan and lease loss provision to assets | 0.0235% | 4,657 |
| Net operating income to assets | 0.9313% | 2,639 |
| Return on assets (ROA) | 0.9576% | 2,594 |
| Pretax return on assets | 1.4547% | 1,602 |
| Return on Equity (ROE) | 9.4430% | 2,350 |
| Retained earnings to average equity (ytd only) | 3.6895% | 3,591 |
| Net charge-offs to loans | -0.0849% | 6,439 |
| Credit loss provision to net charge-offs | -44.1176% | 5,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3358% | 4,840 |
| Assets per employee ($millions) | 7.3138% | 653 |
| Cash dividends to net income (ytd only)* | 60.9290% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 4,006 |
| Loan loss allowance to noncurrent loans | 110.8145% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 4,032 |
| Noncurrent loans to loans | 1.1964% | 3,151 |
| Net loans and leases to total assets | 61.0198% | 3,534 |
| Net loans and leases to deposits | 68.0566% | 4,049 |
| Net loans and leases to core deposits | 75.4497% | 3,670 |
| Total domestic deposits to total assets | 89.6603% | 1,241 |
| Equity capital to assets | 9.7416% | 4,116 |
| Core capital (leverage) ratio | 8.6608% | 5,464 |
| Tier 1 risk-based capital ratio | 10.7473% | 6,284 |
| Total risk-based capital ratio | 11.7954% | 6,311 |
| Memoranda: | ||
| Average total assets | $191,105,600 | 3,144 |
| Average earning assets | $174,581,800 | 3,157 |
| Average equity | $19,379,400 | 3,234 |
| Average total loans | $120,133,200 | 3,035 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 3,256 |
| Cost of funding earning assets | 0.5737% | 3,059 |
| Net interest margin | 3.6604% | 3,193 |
| Noninterest income to average assets | 0.5488% | 3,468 |
| Noninterest expense to average assets | 2.6136% | 4,342 |
| Loan and lease loss provision to assets | 0.0141% | 4,722 |
| Net operating income to assets | 0.8443% | 3,129 |
| Return on assets (ROA) | 0.8801% | 3,049 |
| Pretax return on assets | 1.3142% | 2,284 |
| Return on Equity (ROE) | 8.5911% | 2,842 |
| Retained earnings to average equity (ytd only) | 3.5779% | 4,148 |
| Net charge-offs to loans | -0.1438% | 6,581 |
| Credit loss provision to net charge-offs | -15.5039% | 5,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2155% | 4,258 |
| Assets per employee ($millions) | 7.0970% | 711 |
| Cash dividends to net income (ytd only)* | 58.3533% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 4,216 |
| Loan loss allowance to noncurrent loans | 106.9967% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.2071% | 3,231 |
| Noncurrent loans to loans | 1.2481% | 3,316 |
| Net loans and leases to total assets | 62.5030% | 3,262 |
| Net loans and leases to deposits | 69.9022% | 3,801 |
| Net loans and leases to core deposits | 77.7672% | 3,387 |
| Total domestic deposits to total assets | 89.4149% | 1,348 |
| Equity capital to assets | 10.0304% | 3,861 |
| Core capital (leverage) ratio | 8.6356% | 5,615 |
| Tier 1 risk-based capital ratio | 10.7844% | 6,365 |
| Total risk-based capital ratio | 11.8498% | 6,393 |
| Memoranda: | ||
| Average total assets | $189,514,000 | 3,189 |
| Average earning assets | $172,909,000 | 3,202 |
| Average equity | $19,415,000 | 3,255 |
| Average total loans | $119,637,500 | 3,066 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 3,461 |
| Cost of funding earning assets | 0.5904% | 3,030 |
| Net interest margin | 3.5830% | 3,438 |
| Noninterest income to average assets | 0.5201% | 3,696 |
| Noninterest expense to average assets | 2.5930% | 4,415 |
| Loan and lease loss provision to assets | 0.0212% | 4,476 |
| Net operating income to assets | 0.8099% | 3,235 |
| Return on assets (ROA) | 0.8654% | 3,120 |
| Pretax return on assets | 1.2520% | 2,476 |
| Return on Equity (ROE) | 8.3881% | 2,901 |
| Retained earnings to average equity (ytd only) | 3.9733% | 3,763 |
| Net charge-offs to loans | -0.2587% | 6,726 |
| Credit loss provision to net charge-offs | -12.9870% | 5,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4947% | 4,099 |
| Assets per employee ($millions) | 7.0714% | 699 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 4,199 |
| Loan loss allowance to noncurrent loans | 100.9191% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.4246% | 2,964 |
| Noncurrent loans to loans | 1.3499% | 3,299 |
| Net loans and leases to total assets | 62.4610% | 3,210 |
| Net loans and leases to deposits | 69.8243% | 3,737 |
| Net loans and leases to core deposits | 77.7285% | 3,331 |
| Total domestic deposits to total assets | 89.4546% | 1,350 |
| Equity capital to assets | 10.0546% | 3,847 |
| Core capital (leverage) ratio | 8.9733% | 5,036 |
| Tier 1 risk-based capital ratio | 10.8639% | 6,392 |
| Total risk-based capital ratio | 11.9634% | 6,414 |
| Memoranda: | ||
| Average total assets | $188,812,670 | 3,209 |
| Average earning assets | $172,090,000 | 3,226 |
| Average equity | $19,480,000 | 3,265 |
| Average total loans | $119,054,000 | 3,092 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 3,281 |
| Cost of funding earning assets | 0.5988% | 3,118 |
| Net interest margin | 3.6066% | 3,232 |
| Noninterest income to average assets | 0.5049% | 3,741 |
| Noninterest expense to average assets | 2.6204% | 4,335 |
| Loan and lease loss provision to assets | 0.0426% | 3,891 |
| Net operating income to assets | 0.7883% | 3,229 |
| Return on assets (ROA) | 0.7883% | 3,362 |
| Pretax return on assets | 1.1270% | 2,857 |
| Return on Equity (ROE) | 7.5427% | 3,201 |
| Retained earnings to average equity (ytd only) | 3.8733% | 3,916 |
| Net charge-offs to loans | -0.0135% | 5,555 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1400% | 4,125 |
| Assets per employee ($millions) | 6.7018% | 895 |
| Cash dividends to net income (ytd only)* | 48.6486% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 4,565 |
| Loan loss allowance to noncurrent loans | 92.6890% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.4932% | 3,019 |
| Noncurrent loans to loans | 1.4330% | 3,419 |
| Net loans and leases to total assets | 61.4160% | 3,188 |
| Net loans and leases to deposits | 69.3944% | 3,592 |
| Net loans and leases to core deposits | 77.8343% | 3,095 |
| Total domestic deposits to total assets | 88.5028% | 2,006 |
| Equity capital to assets | 10.8888% | 3,089 |
| Core capital (leverage) ratio | 8.9321% | 5,000 |
| Tier 1 risk-based capital ratio | 11.5305% | 6,177 |
| Total risk-based capital ratio | 12.6036% | 6,233 |
| Memoranda: | ||
| Average total assets | $187,755,500 | 3,255 |
| Average earning assets | $171,021,000 | 3,268 |
| Average equity | $19,621,500 | 3,298 |
| Average total loans | $118,130,000 | 3,124 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5533% | 3,198 |
| Cost of funding earning assets | 0.7605% | 3,010 |
| Net interest margin | 3.7928% | 3,256 |
| Noninterest income to average assets | 0.6542% | 2,967 |
| Noninterest expense to average assets | 2.5368% | 4,973 |
| Loan and lease loss provision to assets | 0.1251% | 4,053 |
| Net operating income to assets | 0.9575% | 2,511 |
| Return on assets (ROA) | 1.0755% | 2,220 |
| Pretax return on assets | 1.6113% | 1,351 |
| Return on Equity (ROE) | 10.1176% | 2,120 |
| Retained earnings to average equity (ytd only) | 4.3660% | 3,156 |
| Net charge-offs to loans | 0.1676% | 4,038 |
| Credit loss provision to net charge-offs | 115.9794% | 2,489 |
| Earnings coverage of net charge-offs (x) | 14.4691% | 1,731 |
| Efficiency ratio | 61.9183% | 5,249 |
| Assets per employee ($millions) | 7.2060% | 708 |
| Cash dividends to net income (ytd only)* | 56.8475% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 5,158 |
| Loan loss allowance to noncurrent loans | 96.7784% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.3410% | 3,394 |
| Noncurrent loans to loans | 1.2303% | 3,789 |
| Net loans and leases to total assets | 62.7874% | 3,099 |
| Net loans and leases to deposits | 70.1696% | 3,686 |
| Net loans and leases to core deposits | 78.1021% | 3,248 |
| Total domestic deposits to total assets | 89.4795% | 1,257 |
| Equity capital to assets | 10.0430% | 4,112 |
| Core capital (leverage) ratio | 8.7981% | 5,185 |
| Tier 1 risk-based capital ratio | 10.6962% | 6,475 |
| Total risk-based capital ratio | 11.6874% | 6,546 |
| Memoranda: | ||
| Average total assets | $179,912,600 | 3,318 |
| Average earning assets | $163,310,200 | 3,330 |
| Average equity | $19,125,000 | 3,316 |
| Average total loans | $115,773,400 | 3,167 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6594% | 2,969 |
| Cost of funding earning assets | 0.7975% | 2,967 |
| Net interest margin | 3.8619% | 3,065 |
| Noninterest income to average assets | 0.6937% | 2,741 |
| Noninterest expense to average assets | 2.5728% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1178% | 2,032 |
| Return on assets (ROA) | 1.2754% | 1,654 |
| Pretax return on assets | 1.8587% | 945 |
| Return on Equity (ROE) | 11.8180% | 1,692 |
| Retained earnings to average equity (ytd only) | 5.1590% | 3,249 |
| Net charge-offs to loans | -0.0199% | 6,495 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2131% | 5,274 |
| Assets per employee ($millions) | 6.5816% | 911 |
| Cash dividends to net income (ytd only)* | 56.3467% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 4,999 |
| Loan loss allowance to noncurrent loans | 95.8580% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.5020% | 3,339 |
| Noncurrent loans to loans | 1.3159% | 3,839 |
| Net loans and leases to total assets | 64.2227% | 2,993 |
| Net loans and leases to deposits | 72.6504% | 3,507 |
| Net loans and leases to core deposits | 82.0406% | 2,958 |
| Total domestic deposits to total assets | 88.3997% | 1,790 |
| Equity capital to assets | 10.9954% | 3,285 |
| Core capital (leverage) ratio | 9.2578% | 4,666 |
| Tier 1 risk-based capital ratio | 11.2883% | 6,368 |
| Total risk-based capital ratio | 12.3310% | 6,420 |
| Memoranda: | ||
| Average total assets | $176,250,000 | 3,410 |
| Average earning assets | $160,159,000 | 3,415 |
| Average equity | $19,021,250 | 3,361 |
| Average total loans | $113,808,500 | 3,245 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 3,118 |
| Cost of funding earning assets | 0.8183% | 3,050 |
| Net interest margin | 3.8359% | 3,196 |
| Noninterest income to average assets | 0.6634% | 2,880 |
| Noninterest expense to average assets | 2.5762% | 4,860 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0879% | 2,084 |
| Return on assets (ROA) | 1.2881% | 1,626 |
| Pretax return on assets | 1.8604% | 921 |
| Return on Equity (ROE) | 12.0115% | 1,662 |
| Retained earnings to average equity (ytd only) | 5.3797% | 3,057 |
| Net charge-offs to loans | -0.0053% | 6,170 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1295% | 5,227 |
| Assets per employee ($millions) | 6.6188% | 897 |
| Cash dividends to net income (ytd only)* | 55.2120% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 5,010 |
| Loan loss allowance to noncurrent loans | 94.6265% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.6201% | 3,296 |
| Noncurrent loans to loans | 1.3480% | 3,905 |
| Net loans and leases to total assets | 64.9451% | 2,850 |
| Net loans and leases to deposits | 74.8512% | 3,149 |
| Net loans and leases to core deposits | 83.2810% | 2,790 |
| Total domestic deposits to total assets | 86.7656% | 2,917 |
| Equity capital to assets | 11.1773% | 2,919 |
| Core capital (leverage) ratio | 9.3573% | 4,358 |
| Tier 1 risk-based capital ratio | 11.4477% | 6,249 |
| Total risk-based capital ratio | 12.5104% | 6,343 |
| Memoranda: | ||
| Average total assets | $175,766,000 | 3,429 |
| Average earning assets | $159,598,670 | 3,434 |
| Average equity | $18,848,670 | 3,370 |
| Average total loans | $113,217,000 | 3,269 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6708% | 3,162 |
| Cost of funding earning assets | 0.8308% | 3,218 |
| Net interest margin | 3.8400% | 3,186 |
| Noninterest income to average assets | 0.6216% | 3,093 |
| Noninterest expense to average assets | 2.5382% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1126% | 2,023 |
| Return on assets (ROA) | 1.1126% | 2,206 |
| Pretax return on assets | 1.5810% | 1,631 |
| Return on Equity (ROE) | 10.5921% | 2,194 |
| Retained earnings to average equity (ytd only) | 4.6957% | 3,750 |
| Net charge-offs to loans | -0.0106% | 5,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6184% | 5,350 |
| Assets per employee ($millions) | 6.3309% | 1,070 |
| Cash dividends to net income (ytd only)* | 55.6680% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 4,989 |
| Loan loss allowance to noncurrent loans | 1,978.0822% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.7968% | 4,952 |
| Noncurrent loans to loans | 0.0661% | 6,585 |
| Net loans and leases to total assets | 63.7741% | 2,895 |
| Net loans and leases to deposits | 74.6431% | 3,023 |
| Net loans and leases to core deposits | 83.7219% | 2,582 |
| Total domestic deposits to total assets | 85.4387% | 3,823 |
| Equity capital to assets | 10.9710% | 2,939 |
| Core capital (leverage) ratio | 8.9967% | 4,849 |
| Tier 1 risk-based capital ratio | 11.4841% | 6,292 |
| Total risk-based capital ratio | 12.5703% | 6,359 |
| Memoranda: | ||
| Average total assets | $177,604,000 | 3,415 |
| Average earning assets | $161,772,000 | 3,412 |
| Average equity | $18,655,500 | 3,398 |
| Average total loans | $113,221,500 | 3,295 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9799% | 2,967 |
| Cost of funding earning assets | 1.0054% | 3,338 |
| Net interest margin | 3.9745% | 3,006 |
| Noninterest income to average assets | 0.6643% | 2,815 |
| Noninterest expense to average assets | 2.5642% | 5,230 |
| Loan and lease loss provision to assets | -0.0769% | 7,260 |
| Net operating income to assets | 1.2522% | 1,375 |
| Return on assets (ROA) | 1.2522% | 1,472 |
| Pretax return on assets | 1.7852% | 829 |
| Return on Equity (ROE) | 11.5315% | 1,548 |
| Retained earnings to average equity (ytd only) | -5.0821% | 6,454 |
| Net charge-offs to loans | 0.3155% | 3,816 |
| Credit loss provision to net charge-offs | -36.7232% | 6,650 |
| Earnings coverage of net charge-offs (x) | 8.1582% | 2,204 |
| Efficiency ratio | 60.0166% | 5,756 |
| Assets per employee ($millions) | 6.8250% | 806 |
| Cash dividends to net income (ytd only)* | 144.0718% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 5,216 |
| Loan loss allowance to noncurrent loans | 5,337.0370% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 5,187 |
| Noncurrent loans to loans | 0.0233% | 6,768 |
| Net loans and leases to total assets | 62.1609% | 3,573 |
| Net loans and leases to deposits | 69.5282% | 4,186 |
| Net loans and leases to core deposits | 76.3611% | 3,929 |
| Total domestic deposits to total assets | 89.4039% | 1,314 |
| Equity capital to assets | 10.0708% | 4,074 |
| Core capital (leverage) ratio | 8.7482% | 5,176 |
| Tier 1 risk-based capital ratio | 10.8030% | 6,557 |
| Total risk-based capital ratio | 11.8376% | 6,625 |
| Memoranda: | ||
| Average total assets | $169,060,600 | 3,509 |
| Average earning assets | $153,476,800 | 3,521 |
| Average equity | $18,358,400 | 3,378 |
| Average total loans | $112,212,200 | 3,327 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 2,690 |
| Cost of funding earning assets | 1.0578% | 3,270 |
| Net interest margin | 4.0255% | 2,802 |
| Noninterest income to average assets | 0.6729% | 2,754 |
| Noninterest expense to average assets | 2.6173% | 5,013 |
| Loan and lease loss provision to assets | -0.1049% | 7,358 |
| Net operating income to assets | 1.2667% | 1,461 |
| Return on assets (ROA) | 1.2667% | 1,572 |
| Pretax return on assets | 1.8113% | 942 |
| Return on Equity (ROE) | 11.4334% | 1,711 |
| Retained earnings to average equity (ytd only) | -8.5932% | 6,801 |
| Net charge-offs to loans | 0.0072% | 6,064 |
| Credit loss provision to net charge-offs | -2,166.6667% | 6,835 |
| Earnings coverage of net charge-offs (x) | 352.4913% | 107 |
| Efficiency ratio | 60.5337% | 5,632 |
| Assets per employee ($millions) | 6.5363% | 931 |
| Cash dividends to net income (ytd only)* | 175.1596% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 3,590 |
| Loan loss allowance to noncurrent loans | 3,084.4828% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.9939% | 4,766 |
| Noncurrent loans to loans | 0.0523% | 6,803 |
| Net loans and leases to total assets | 64.1666% | 3,273 |
| Net loans and leases to deposits | 72.4774% | 3,898 |
| Net loans and leases to core deposits | 80.1894% | 3,607 |
| Total domestic deposits to total assets | 88.5333% | 1,737 |
| Equity capital to assets | 10.7935% | 3,370 |
| Core capital (leverage) ratio | 9.1208% | 4,766 |
| Tier 1 risk-based capital ratio | 11.2222% | 6,414 |
| Total risk-based capital ratio | 12.4733% | 6,398 |
| Memoranda: | ||
| Average total assets | $165,257,000 | 3,586 |
| Average earning assets | $149,873,750 | 3,605 |
| Average equity | $18,308,500 | 3,390 |
| Average total loans | $111,268,250 | 3,383 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1154% | 2,607 |
| Cost of funding earning assets | 1.1147% | 3,128 |
| Net interest margin | 4.0007% | 2,835 |
| Noninterest income to average assets | 0.6439% | 2,888 |
| Noninterest expense to average assets | 2.6611% | 4,962 |
| Loan and lease loss provision to assets | -0.1588% | 7,443 |
| Net operating income to assets | 1.2377% | 1,468 |
| Return on assets (ROA) | 1.2377% | 1,543 |
| Pretax return on assets | 1.7679% | 933 |
| Return on Equity (ROE) | 11.0729% | 1,772 |
| Retained earnings to average equity (ytd only) | -10.2421% | 6,891 |
| Net charge-offs to loans | 0.0126% | 5,672 |
| Credit loss provision to net charge-offs | -1,857.1429% | 6,680 |
| Earnings coverage of net charge-offs (x) | 188.1429% | 197 |
| Efficiency ratio | 62.3176% | 5,538 |
| Assets per employee ($millions) | 6.3694% | 982 |
| Cash dividends to net income (ytd only)* | 192.4975% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 3,852 |
| Loan loss allowance to noncurrent loans | 150.5476% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.9764% | 4,912 |
| Noncurrent loans to loans | 1.0379% | 4,919 |
| Net loans and leases to total assets | 67.9784% | 2,618 |
| Net loans and leases to deposits | 79.6315% | 2,859 |
| Net loans and leases to core deposits | 89.0343% | 2,491 |
| Total domestic deposits to total assets | 85.3663% | 3,688 |
| Equity capital to assets | 10.9943% | 2,961 |
| Core capital (leverage) ratio | 9.4740% | 3,990 |
| Tier 1 risk-based capital ratio | 11.2341% | 6,364 |
| Total risk-based capital ratio | 12.4849% | 6,357 |
| Memoranda: | ||
| Average total assets | $163,694,330 | 3,619 |
| Average earning assets | $148,375,000 | 3,648 |
| Average equity | $18,297,000 | 3,372 |
| Average total loans | $111,412,000 | 3,424 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 3,512 |
| Cost of funding earning assets | 1.2064% | 2,775 |
| Net interest margin | 3.7086% | 4,055 |
| Noninterest income to average assets | 0.6391% | 2,906 |
| Noninterest expense to average assets | 2.5513% | 5,384 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0372% | 2,040 |
| Return on assets (ROA) | 1.0372% | 2,094 |
| Pretax return on assets | 1.4502% | 1,599 |
| Return on Equity (ROE) | 9.2029% | 2,384 |
| Retained earnings to average equity (ytd only) | -17.5117% | 7,106 |
| Net charge-offs to loans | 0.0182% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 277 |
| Efficiency ratio | 63.7592% | 5,400 |
| Assets per employee ($millions) | 6.4163% | 962 |
| Cash dividends to net income (ytd only)* | 290.2844% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 3,147 |
| Loan loss allowance to noncurrent loans | 95.0025% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.5404% | 3,937 |
| Noncurrent loans to loans | 1.8490% | 3,756 |
| Net loans and leases to total assets | 66.9443% | 2,771 |
| Net loans and leases to deposits | 76.7610% | 3,289 |
| Net loans and leases to core deposits | 86.2231% | 2,834 |
| Total domestic deposits to total assets | 87.2114% | 2,824 |
| Equity capital to assets | 11.2245% | 2,484 |
| Core capital (leverage) ratio | 9.5771% | 3,692 |
| Tier 1 risk-based capital ratio | 11.8802% | 5,799 |
| Total risk-based capital ratio | 13.1333% | 5,795 |
| Memoranda: | ||
| Average total assets | $162,739,500 | 3,656 |
| Average earning assets | $147,548,000 | 3,685 |
| Average equity | $18,342,000 | 3,351 |
| Average total loans | $109,937,000 | 3,490 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4645% | 2,417 |
| Cost of funding earning assets | 1.5000% | 2,632 |
| Net interest margin | 3.9645% | 3,180 |
| Noninterest income to average assets | 0.7718% | 2,416 |
| Noninterest expense to average assets | 2.4924% | 5,827 |
| Loan and lease loss provision to assets | 0.0343% | 6,807 |
| Net operating income to assets | 1.3798% | 988 |
| Return on assets (ROA) | 1.3798% | 1,058 |
| Pretax return on assets | 1.8426% | 693 |
| Return on Equity (ROE) | 12.1381% | 1,289 |
| Retained earnings to average equity (ytd only) | 6.7951% | 1,410 |
| Net charge-offs to loans | 0.0657% | 6,136 |
| Credit loss provision to net charge-offs | 70.5128% | 5,853 |
| Earnings coverage of net charge-offs (x) | 38.6282% | 602 |
| Efficiency ratio | 57.0431% | 6,453 |
| Assets per employee ($millions) | 6.3489% | 1,013 |
| Cash dividends to net income (ytd only)* | 44.0181% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 3,070 |
| Loan loss allowance to noncurrent loans | 90.0374% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.6132% | 3,897 |
| Noncurrent loans to loans | 1.9336% | 3,654 |
| Net loans and leases to total assets | 65.8171% | 3,503 |
| Net loans and leases to deposits | 76.3691% | 3,785 |
| Net loans and leases to core deposits | 85.4302% | 3,409 |
| Total domestic deposits to total assets | 86.1829% | 3,258 |
| Equity capital to assets | 11.3157% | 2,398 |
| Core capital (leverage) ratio | 9.8347% | 3,280 |
| Tier 1 risk-based capital ratio | 12.3997% | 5,110 |
| Total risk-based capital ratio | 13.6529% | 5,089 |
| Memoranda: | ||
| Average total assets | $160,530,000 | 3,685 |
| Average earning assets | $145,667,000 | 3,713 |
| Average equity | $18,248,400 | 3,390 |
| Average total loans | $118,661,000 | 3,336 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6477% | 1,892 |
| Cost of funding earning assets | 1.5580% | 2,620 |
| Net interest margin | 4.0896% | 2,676 |
| Noninterest income to average assets | 0.7102% | 2,762 |
| Noninterest expense to average assets | 2.5178% | 5,646 |
| Loan and lease loss provision to assets | 0.0460% | 6,630 |
| Net operating income to assets | 1.3024% | 1,334 |
| Return on assets (ROA) | 1.3024% | 1,404 |
| Pretax return on assets | 1.8570% | 836 |
| Return on Equity (ROE) | 11.4436% | 1,667 |
| Retained earnings to average equity (ytd only) | 6.1150% | 2,297 |
| Net charge-offs to loans | 0.0331% | 6,227 |
| Credit loss provision to net charge-offs | 183.3333% | 1,979 |
| Earnings coverage of net charge-offs (x) | 75.8315% | 400 |
| Efficiency ratio | 56.9536% | 6,420 |
| Assets per employee ($millions) | 6.4878% | 973 |
| Cash dividends to net income (ytd only)* | 46.5637% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 2,997 |
| Loan loss allowance to noncurrent loans | 88.4753% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.7263% | 3,853 |
| Noncurrent loans to loans | 1.9771% | 3,711 |
| Net loans and leases to total assets | 68.3241% | 3,134 |
| Net loans and leases to deposits | 79.9295% | 3,466 |
| Net loans and leases to core deposits | 89.6746% | 3,143 |
| Total domestic deposits to total assets | 85.4805% | 3,360 |
| Equity capital to assets | 11.5249% | 2,513 |
| Core capital (leverage) ratio | 9.9191% | 3,335 |
| Tier 1 risk-based capital ratio | 12.0193% | 5,443 |
| Total risk-based capital ratio | 13.2726% | 5,414 |
| Memoranda: | ||
| Average total assets | $159,394,750 | 3,767 |
| Average earning assets | $144,622,500 | 3,772 |
| Average equity | $18,140,750 | 3,448 |
| Average total loans | $120,683,750 | 3,355 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 1,784 |
| Cost of funding earning assets | 1.5991% | 2,661 |
| Net interest margin | 4.0959% | 2,582 |
| Noninterest income to average assets | 0.6967% | 2,726 |
| Noninterest expense to average assets | 2.5268% | 5,623 |
| Loan and lease loss provision to assets | 0.0694% | 6,258 |
| Net operating income to assets | 1.2685% | 1,384 |
| Return on assets (ROA) | 1.2685% | 1,449 |
| Pretax return on assets | 1.8086% | 874 |
| Return on Equity (ROE) | 11.1936% | 1,687 |
| Retained earnings to average equity (ytd only) | 5.9031% | 2,391 |
| Net charge-offs to loans | 0.0519% | 5,660 |
| Credit loss provision to net charge-offs | 171.8750% | 2,269 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 638 |
| Efficiency ratio | 57.3639% | 6,468 |
| Assets per employee ($millions) | 6.2980% | 1,052 |
| Cash dividends to net income (ytd only)* | 47.2637% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 3,474 |
| Loan loss allowance to noncurrent loans | 140.9871% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.2499% | 4,651 |
| Noncurrent loans to loans | 1.1305% | 5,067 |
| Net loans and leases to total assets | 77.2875% | 1,234 |
| Net loans and leases to deposits | 91.6831% | 1,582 |
| Net loans and leases to core deposits | 101.9837% | 1,830 |
| Total domestic deposits to total assets | 84.2986% | 3,962 |
| Equity capital to assets | 11.6296% | 2,335 |
| Core capital (leverage) ratio | 9.9956% | 3,168 |
| Tier 1 risk-based capital ratio | 11.0163% | 6,223 |
| Total risk-based capital ratio | 12.2657% | 6,209 |
| Memoranda: | ||
| Average total assets | $158,461,000 | 3,820 |
| Average earning assets | $143,460,000 | 3,829 |
| Average equity | $17,956,670 | 3,474 |
| Average total loans | $123,314,330 | 3,339 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7750% | 1,542 |
| Cost of funding earning assets | 1.6210% | 2,829 |
| Net interest margin | 4.1540% | 2,208 |
| Noninterest income to average assets | 0.6089% | 3,219 |
| Noninterest expense to average assets | 2.4357% | 5,965 |
| Loan and lease loss provision to assets | 0.1384% | 5,172 |
| Net operating income to assets | 1.2405% | 1,429 |
| Return on assets (ROA) | 1.2405% | 1,501 |
| Pretax return on assets | 1.7941% | 882 |
| Return on Equity (ROE) | 11.0914% | 1,762 |
| Retained earnings to average equity (ytd only) | 6.5919% | 2,323 |
| Net charge-offs to loans | 0.1137% | 4,300 |
| Credit loss provision to net charge-offs | 157.1429% | 2,280 |
| Earnings coverage of net charge-offs (x) | 21.9429% | 1,109 |
| Efficiency ratio | 55.7604% | 6,798 |
| Assets per employee ($millions) | 6.5004% | 992 |
| Cash dividends to net income (ytd only)* | 40.5680% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 3,409 |
| Loan loss allowance to noncurrent loans | 121.4815% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 1.4038% | 4,407 |
| Noncurrent loans to loans | 1.3230% | 4,769 |
| Net loans and leases to total assets | 77.2239% | 1,294 |
| Net loans and leases to deposits | 93.0123% | 1,474 |
| Net loans and leases to core deposits | 103.7254% | 1,767 |
| Total domestic deposits to total assets | 83.0254% | 4,613 |
| Equity capital to assets | 11.5121% | 2,351 |
| Core capital (leverage) ratio | 9.7090% | 3,508 |
| Tier 1 risk-based capital ratio | 11.0802% | 6,088 |
| Total risk-based capital ratio | 12.3330% | 6,051 |
| Memoranda: | ||
| Average total assets | $158,966,000 | 3,863 |
| Average earning assets | $143,862,000 | 3,872 |
| Average equity | $17,779,500 | 3,523 |
| Average total loans | $123,141,000 | 3,404 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6693% | 3,258 |
| Cost of funding earning assets | 1.8115% | 3,931 |
| Net interest margin | 3.8578% | 3,446 |
| Noninterest income to average assets | 0.7677% | 2,573 |
| Noninterest expense to average assets | 2.3769% | 6,532 |
| Loan and lease loss provision to assets | 0.5889% | 3,438 |
| Net operating income to assets | 0.9151% | 2,128 |
| Return on assets (ROA) | 0.9151% | 2,194 |
| Pretax return on assets | 1.3188% | 1,643 |
| Return on Equity (ROE) | 8.6479% | 2,149 |
| Retained earnings to average equity (ytd only) | 6.4160% | 1,183 |
| Net charge-offs to loans | 0.3202% | 4,644 |
| Credit loss provision to net charge-offs | 240.9794% | 1,485 |
| Earnings coverage of net charge-offs (x) | 7.8067% | 2,064 |
| Efficiency ratio | 55.4755% | 7,074 |
| Assets per employee ($millions) | 6.4769% | 999 |
| Cash dividends to net income (ytd only)* | 25.8087% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 3,381 |
| Loan loss allowance to noncurrent loans | 89.4858% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.4760% | 4,177 |
| Noncurrent loans to loans | 1.7588% | 3,999 |
| Net loans and leases to total assets | 75.2758% | 1,973 |
| Net loans and leases to deposits | 90.4791% | 2,144 |
| Net loans and leases to core deposits | 108.7063% | 3,036 |
| Total domestic deposits to total assets | 83.1968% | 4,425 |
| Equity capital to assets | 10.8688% | 2,802 |
| Core capital (leverage) ratio | 9.3293% | 3,931 |
| Tier 1 risk-based capital ratio | 10.7048% | 6,199 |
| Total risk-based capital ratio | 11.9573% | 6,178 |
| Memoranda: | ||
| Average total assets | $158,779,600 | 3,795 |
| Average earning assets | $144,744,000 | 3,798 |
| Average equity | $16,801,800 | 3,712 |
| Average total loans | $121,170,800 | 3,461 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6577% | 3,531 |
| Cost of funding earning assets | 1.8431% | 4,183 |
| Net interest margin | 3.8146% | 3,596 |
| Noninterest income to average assets | 0.7561% | 2,671 |
| Noninterest expense to average assets | 2.3992% | 6,422 |
| Loan and lease loss provision to assets | 0.6118% | 2,945 |
| Net operating income to assets | 0.8658% | 2,553 |
| Return on assets (ROA) | 0.8658% | 2,621 |
| Pretax return on assets | 1.2329% | 2,154 |
| Return on Equity (ROE) | 8.2395% | 2,539 |
| Retained earnings to average equity (ytd only) | 5.2280% | 2,357 |
| Net charge-offs to loans | 0.0166% | 6,681 |
| Credit loss provision to net charge-offs | 4,833.3333% | 83 |
| Earnings coverage of net charge-offs (x) | 145.7295% | 265 |
| Efficiency ratio | 56.5321% | 6,931 |
| Assets per employee ($millions) | 6.4761% | 990 |
| Cash dividends to net income (ytd only)* | 36.5498% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 2,689 |
| Loan loss allowance to noncurrent loans | 83.5113% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.6930% | 3,839 |
| Noncurrent loans to loans | 2.0151% | 3,619 |
| Net loans and leases to total assets | 76.2140% | 1,954 |
| Net loans and leases to deposits | 91.7147% | 2,287 |
| Net loans and leases to core deposits | 119.9786% | 2,246 |
| Total domestic deposits to total assets | 83.0990% | 4,175 |
| Equity capital to assets | 10.5953% | 3,408 |
| Core capital (leverage) ratio | 8.9359% | 4,757 |
| Tier 1 risk-based capital ratio | 10.3563% | 6,617 |
| Total risk-based capital ratio | 11.6105% | 6,553 |
| Memoranda: | ||
| Average total assets | $157,994,000 | 3,826 |
| Average earning assets | $144,460,000 | 3,831 |
| Average equity | $16,602,500 | 3,785 |
| Average total loans | $120,504,250 | 3,501 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6467% | 3,833 |
| Cost of funding earning assets | 1.8659% | 4,439 |
| Net interest margin | 3.7808% | 3,633 |
| Noninterest income to average assets | 0.7633% | 2,632 |
| Noninterest expense to average assets | 2.4354% | 6,354 |
| Loan and lease loss provision to assets | 0.1149% | 5,995 |
| Net operating income to assets | 1.1181% | 1,712 |
| Return on assets (ROA) | 1.1181% | 1,791 |
| Pretax return on assets | 1.6631% | 1,083 |
| Return on Equity (ROE) | 10.6708% | 1,799 |
| Retained earnings to average equity (ytd only) | 6.1028% | 1,967 |
| Net charge-offs to loans | 0.0084% | 6,457 |
| Credit loss provision to net charge-offs | 1,800.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 278.6000% | 141 |
| Efficiency ratio | 57.8007% | 6,889 |
| Assets per employee ($millions) | 5.5612% | 1,532 |
| Cash dividends to net income (ytd only)* | 42.8082% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 4,916 |
| Loan loss allowance to noncurrent loans | 207.9720% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5748% | 5,982 |
| Noncurrent loans to loans | 0.5783% | 6,101 |
| Net loans and leases to total assets | 75.7419% | 2,249 |
| Net loans and leases to deposits | 93.0696% | 2,257 |
| Net loans and leases to core deposits | 121.4766% | 2,245 |
| Total domestic deposits to total assets | 81.3820% | 4,931 |
| Equity capital to assets | 10.3588% | 3,556 |
| Core capital (leverage) ratio | 9.0749% | 4,503 |
| Tier 1 risk-based capital ratio | 10.3176% | 6,573 |
| Total risk-based capital ratio | 11.4196% | 6,680 |
| Memoranda: | ||
| Average total assets | $156,691,330 | 3,883 |
| Average earning assets | $142,986,330 | 3,877 |
| Average equity | $16,418,670 | 3,834 |
| Average total loans | $118,837,670 | 3,561 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6325% | 4,153 |
| Cost of funding earning assets | 1.9391% | 4,440 |
| Net interest margin | 3.6934% | 3,918 |
| Noninterest income to average assets | 0.7461% | 2,624 |
| Noninterest expense to average assets | 2.3782% | 6,266 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1839% | 1,699 |
| Return on assets (ROA) | 1.1839% | 1,807 |
| Pretax return on assets | 1.7332% | 1,114 |
| Return on Equity (ROE) | 11.2320% | 1,901 |
| Retained earnings to average equity (ytd only) | 5.0876% | 3,071 |
| Net charge-offs to loans | -0.0206% | 7,448 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8450% | 6,726 |
| Assets per employee ($millions) | 5.2941% | 1,749 |
| Cash dividends to net income (ytd only)* | 54.7046% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 4,699 |
| Loan loss allowance to noncurrent loans | 278.8119% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 6,292 |
| Noncurrent loans to loans | 0.4357% | 6,333 |
| Net loans and leases to total assets | 74.5781% | 2,605 |
| Net loans and leases to deposits | 87.5729% | 3,364 |
| Net loans and leases to core deposits | 119.1879% | 2,488 |
| Total domestic deposits to total assets | 85.1611% | 3,131 |
| Equity capital to assets | 10.6840% | 3,305 |
| Core capital (leverage) ratio | 9.2561% | 4,310 |
| Tier 1 risk-based capital ratio | 10.8882% | 6,003 |
| Total risk-based capital ratio | 12.0136% | 6,035 |
| Memoranda: | ||
| Average total assets | $154,400,000 | 3,937 |
| Average earning assets | $140,683,500 | 3,939 |
| Average equity | $16,275,000 | 3,889 |
| Average total loans | $116,437,000 | 3,640 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2646% | 4,158 |
| Cost of funding earning assets | 2.6249% | 3,559 |
| Net interest margin | 3.6397% | 4,723 |
| Noninterest income to average assets | 0.6371% | 3,581 |
| Noninterest expense to average assets | 2.3695% | 6,503 |
| Loan and lease loss provision to assets | 0.4793% | 2,903 |
| Net operating income to assets | 1.0915% | 2,178 |
| Return on assets (ROA) | 0.7758% | 3,384 |
| Pretax return on assets | 0.7824% | 4,132 |
| Return on Equity (ROE) | 7.4227% | 3,312 |
| Retained earnings to average equity (ytd only) | 4.9065% | 2,081 |
| Net charge-offs to loans | 0.0561% | 5,977 |
| Credit loss provision to net charge-offs | 1,139.0625% | 392 |
| Earnings coverage of net charge-offs (x) | 37.5625% | 985 |
| Efficiency ratio | 59.9867% | 6,341 |
| Assets per employee ($millions) | 5.1757% | 1,752 |
| Cash dividends to net income (ytd only)* | 33.8983% | 3,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 4,540 |
| Loan loss allowance to noncurrent loans | 1,274.5455% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 7,011 |
| Noncurrent loans to loans | 0.0940% | 7,140 |
| Net loans and leases to total assets | 74.4279% | 3,007 |
| Net loans and leases to deposits | 87.0874% | 3,930 |
| Net loans and leases to core deposits | 107.6596% | 4,003 |
| Total domestic deposits to total assets | 85.4635% | 2,644 |
| Equity capital to assets | 10.3992% | 3,610 |
| Core capital (leverage) ratio | 9.0139% | 4,719 |
| Tier 1 risk-based capital ratio | 10.6519% | 6,044 |
| Total risk-based capital ratio | 11.7631% | 6,081 |
| Memoranda: | ||
| Average total assets | $152,096,600 | 3,865 |
| Average earning assets | $138,443,800 | 3,881 |
| Average equity | $15,897,200 | 3,949 |
| Average total loans | $114,019,200 | 3,587 |