Home > First Bank & Trust Company > Performance and Condition Ratios
First Bank & Trust Company, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6469% | 212 |
| Cost of funding earning assets | 0.6237% | 1,443 |
| Net interest margin | 5.0232% | 228 |
| Noninterest income to average assets | 0.3608% | 3,887 |
| Noninterest expense to average assets | 2.5154% | 3,729 |
| Loan and lease loss provision to assets | 0.0266% | 3,763 |
| Net operating income to assets | 2.5437% | 115 |
| Return on assets (ROA) | 2.5437% | 113 |
| Pretax return on assets | 2.5437% | 168 |
| Return on Equity (ROE) | 20.4498% | 180 |
| Retained earnings to average equity (ytd only) | 3.5273% | 3,163 |
| Net charge-offs to loans | 0.0786% | 2,321 |
| Credit loss provision to net charge-offs | 37.8109% | 3,463 |
| Earnings coverage of net charge-offs (x) | 36.5771% | 1,333 |
| Efficiency ratio | 49.4604% | 5,248 |
| Assets per employee ($millions) | 4.8636% | 2,654 |
| Cash dividends to net income (ytd only)* | 82.7515% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 1,525 |
| Loan loss allowance to noncurrent loans | 335.9745% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 2,978 |
| Noncurrent loans to loans | 0.4362% | 3,220 |
| Net loans and leases to total assets | 86.4375% | 228 |
| Net loans and leases to deposits | 99.2084% | 796 |
| Net loans and leases to core deposits | 138.3941% | 231 |
| Total domestic deposits to total assets | 87.1271% | 1,933 |
| Equity capital to assets | 12.7373% | 1,391 |
| Core capital (leverage) ratio | 12.5106% | 1,351 |
| Tier 1 risk-based capital ratio | 14.1385% | 3,285 |
| Total risk-based capital ratio | 15.3912% | 3,188 |
| Memoranda: | ||
| Average total assets | $286,036,000 | 2,252 |
| Average earning assets | $269,050,000 | 2,214 |
| Average equity | $35,579,800 | 2,049 |
| Average total loans | $255,815,800 | 1,783 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5907% | 223 |
| Cost of funding earning assets | 0.5972% | 1,541 |
| Net interest margin | 4.9935% | 236 |
| Noninterest income to average assets | 0.4101% | 3,620 |
| Noninterest expense to average assets | 2.3437% | 4,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.8056% | 97 |
| Return on assets (ROA) | 2.8056% | 98 |
| Pretax return on assets | 2.8056% | 136 |
| Return on Equity (ROE) | 22.6913% | 112 |
| Retained earnings to average equity (ytd only) | -0.0264% | 5,211 |
| Net charge-offs to loans | 0.0841% | 1,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 37.1243% | 1,377 |
| Efficiency ratio | 45.5155% | 5,434 |
| Assets per employee ($millions) | 4.7223% | 2,802 |
| Cash dividends to net income (ytd only)* | 100.1164% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 1,848 |
| Loan loss allowance to noncurrent loans | 235.1578% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 2,720 |
| Noncurrent loans to loans | 0.5987% | 2,916 |
| Net loans and leases to total assets | 88.7827% | 122 |
| Net loans and leases to deposits | 106.4529% | 395 |
| Net loans and leases to core deposits | 133.7276% | 288 |
| Total domestic deposits to total assets | 83.4009% | 3,328 |
| Equity capital to assets | 12.2515% | 1,807 |
| Core capital (leverage) ratio | 11.8456% | 1,787 |
| Tier 1 risk-based capital ratio | 13.5381% | 3,680 |
| Total risk-based capital ratio | 14.7908% | 3,593 |
| Memoranda: | ||
| Average total assets | $285,807,000 | 2,266 |
| Average earning assets | $271,251,750 | 2,218 |
| Average equity | $35,337,250 | 2,069 |
| Average total loans | $256,839,000 | 1,784 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5613% | 225 |
| Cost of funding earning assets | 0.5623% | 1,697 |
| Net interest margin | 4.9990% | 218 |
| Noninterest income to average assets | 0.2933% | 4,450 |
| Noninterest expense to average assets | 2.2017% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.8380% | 90 |
| Return on assets (ROA) | 2.8380% | 91 |
| Pretax return on assets | 2.8380% | 135 |
| Return on Equity (ROE) | 22.8839% | 107 |
| Retained earnings to average equity (ytd only) | 1.7142% | 4,568 |
| Net charge-offs to loans | 0.0977% | 1,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 32.3600% | 1,417 |
| Efficiency ratio | 43.6865% | 5,535 |
| Assets per employee ($millions) | 4.5890% | 2,967 |
| Cash dividends to net income (ytd only)* | 92.5093% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,831 |
| Loan loss allowance to noncurrent loans | 264.8241% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5423% | 2,957 |
| Noncurrent loans to loans | 0.5393% | 3,136 |
| Net loans and leases to total assets | 90.9620% | 58 |
| Net loans and leases to deposits | 104.2664% | 481 |
| Net loans and leases to core deposits | 134.3354% | 245 |
| Total domestic deposits to total assets | 87.2400% | 1,837 |
| Equity capital to assets | 12.7168% | 1,517 |
| Core capital (leverage) ratio | 12.0141% | 1,627 |
| Tier 1 risk-based capital ratio | 13.8964% | 3,477 |
| Total risk-based capital ratio | 15.1494% | 3,401 |
| Memoranda: | ||
| Average total assets | $285,055,000 | 2,277 |
| Average earning assets | $270,655,000 | 2,232 |
| Average equity | $35,352,330 | 2,061 |
| Average total loans | $255,984,670 | 1,786 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5620% | 211 |
| Cost of funding earning assets | 0.5329% | 1,843 |
| Net interest margin | 5.0291% | 215 |
| Noninterest income to average assets | 0.2948% | 4,441 |
| Noninterest expense to average assets | 2.1807% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.8260% | 102 |
| Return on assets (ROA) | 2.8260% | 106 |
| Pretax return on assets | 2.8260% | 153 |
| Return on Equity (ROE) | 23.0716% | 120 |
| Retained earnings to average equity (ytd only) | -1.0900% | 5,080 |
| Net charge-offs to loans | 0.0895% | 1,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 35.6491% | 1,118 |
| Efficiency ratio | 43.5556% | 5,610 |
| Assets per employee ($millions) | 4.8052% | 2,690 |
| Cash dividends to net income (ytd only)* | 104.7244% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 1,761 |
| Loan loss allowance to noncurrent loans | 447.7950% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 3,904 |
| Noncurrent loans to loans | 0.3308% | 3,924 |
| Net loans and leases to total assets | 85.2373% | 267 |
| Net loans and leases to deposits | 96.9203% | 856 |
| Net loans and leases to core deposits | 124.6346% | 350 |
| Total domestic deposits to total assets | 87.9458% | 1,744 |
| Equity capital to assets | 12.0058% | 1,835 |
| Core capital (leverage) ratio | 11.8575% | 1,715 |
| Tier 1 risk-based capital ratio | 14.2145% | 3,355 |
| Total risk-based capital ratio | 15.4686% | 3,270 |
| Memoranda: | ||
| Average total assets | $287,617,500 | 2,273 |
| Average earning assets | $269,470,500 | 2,253 |
| Average equity | $35,229,500 | 2,073 |
| Average total loans | $254,817,500 | 1,808 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4380% | 268 |
| Cost of funding earning assets | 0.4874% | 2,190 |
| Net interest margin | 4.9506% | 272 |
| Noninterest income to average assets | 0.2786% | 4,748 |
| Noninterest expense to average assets | 2.3902% | 4,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.5921% | 131 |
| Return on assets (ROA) | 2.5921% | 132 |
| Pretax return on assets | 2.5921% | 175 |
| Return on Equity (ROE) | 21.4598% | 162 |
| Retained earnings to average equity (ytd only) | 1.9376% | 4,433 |
| Net charge-offs to loans | 0.0895% | 2,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 32.4425% | 1,362 |
| Efficiency ratio | 47.9742% | 5,574 |
| Assets per employee ($millions) | 4.7020% | 2,782 |
| Cash dividends to net income (ytd only)* | 90.9711% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 1,710 |
| Loan loss allowance to noncurrent loans | 295.4299% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 3,263 |
| Noncurrent loans to loans | 0.5042% | 3,341 |
| Net loans and leases to total assets | 89.4020% | 82 |
| Net loans and leases to deposits | 102.2114% | 524 |
| Net loans and leases to core deposits | 138.6947% | 189 |
| Total domestic deposits to total assets | 87.4677% | 1,896 |
| Equity capital to assets | 12.5012% | 1,525 |
| Core capital (leverage) ratio | 11.8297% | 1,704 |
| Tier 1 risk-based capital ratio | 14.2705% | 3,303 |
| Total risk-based capital ratio | 15.5250% | 3,230 |
| Memoranda: | ||
| Average total assets | $282,864,200 | 2,267 |
| Average earning assets | $268,757,000 | 2,222 |
| Average equity | $34,166,200 | 2,126 |
| Average total loans | $252,512,600 | 1,776 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3539% | 331 |
| Cost of funding earning assets | 0.4649% | 2,425 |
| Net interest margin | 4.8890% | 311 |
| Noninterest income to average assets | 0.2544% | 4,940 |
| Noninterest expense to average assets | 2.2177% | 4,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.7128% | 119 |
| Return on assets (ROA) | 2.7128% | 121 |
| Pretax return on assets | 2.7128% | 163 |
| Return on Equity (ROE) | 22.6565% | 138 |
| Retained earnings to average equity (ytd only) | -3.5840% | 5,680 |
| Net charge-offs to loans | 0.0503% | 2,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 60.6227% | 949 |
| Efficiency ratio | 44.9795% | 5,712 |
| Assets per employee ($millions) | 4.5702% | 2,970 |
| Cash dividends to net income (ytd only)* | 115.8188% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 1,727 |
| Loan loss allowance to noncurrent loans | 1,745.5752% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 4,917 |
| Noncurrent loans to loans | 0.0865% | 4,998 |
| Net loans and leases to total assets | 89.3669% | 84 |
| Net loans and leases to deposits | 101.2557% | 625 |
| Net loans and leases to core deposits | 139.8894% | 194 |
| Total domestic deposits to total assets | 88.2586% | 1,260 |
| Equity capital to assets | 11.7139% | 2,333 |
| Core capital (leverage) ratio | 11.3153% | 2,180 |
| Tier 1 risk-based capital ratio | 13.7674% | 3,690 |
| Total risk-based capital ratio | 15.0229% | 3,612 |
| Memoranda: | ||
| Average total assets | $283,050,750 | 2,273 |
| Average earning assets | $270,723,000 | 2,211 |
| Average equity | $33,890,750 | 2,151 |
| Average total loans | $251,632,500 | 1,785 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3413% | 331 |
| Cost of funding earning assets | 0.4484% | 2,584 |
| Net interest margin | 4.8929% | 320 |
| Noninterest income to average assets | 0.2466% | 5,003 |
| Noninterest expense to average assets | 2.2365% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.6785% | 116 |
| Return on assets (ROA) | 2.6785% | 116 |
| Pretax return on assets | 2.6785% | 172 |
| Return on Equity (ROE) | 22.2063% | 149 |
| Retained earnings to average equity (ytd only) | -3.4526% | 5,670 |
| Net charge-offs to loans | 0.0652% | 2,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 46.5309% | 1,044 |
| Efficiency ratio | 45.5032% | 5,775 |
| Assets per employee ($millions) | 4.6175% | 2,841 |
| Cash dividends to net income (ytd only)* | 115.5479% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,584 |
| Loan loss allowance to noncurrent loans | 1,306.6007% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 4,796 |
| Noncurrent loans to loans | 0.1209% | 4,964 |
| Net loans and leases to total assets | 87.5350% | 165 |
| Net loans and leases to deposits | 99.6355% | 721 |
| Net loans and leases to core deposits | 134.2572% | 248 |
| Total domestic deposits to total assets | 87.8552% | 1,502 |
| Equity capital to assets | 12.0923% | 2,061 |
| Core capital (leverage) ratio | 11.5827% | 1,925 |
| Tier 1 risk-based capital ratio | 14.4974% | 3,321 |
| Total risk-based capital ratio | 15.7540% | 3,246 |
| Memoranda: | ||
| Average total assets | $281,427,000 | 2,294 |
| Average earning assets | $268,511,670 | 2,244 |
| Average equity | $33,945,330 | 2,154 |
| Average total loans | $248,426,000 | 1,805 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1847% | 426 |
| Cost of funding earning assets | 0.4277% | 2,787 |
| Net interest margin | 4.7570% | 391 |
| Noninterest income to average assets | 0.2090% | 5,234 |
| Noninterest expense to average assets | 2.1841% | 4,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.5794% | 143 |
| Return on assets (ROA) | 2.5794% | 148 |
| Pretax return on assets | 2.5794% | 212 |
| Return on Equity (ROE) | 21.4117% | 183 |
| Retained earnings to average equity (ytd only) | -7.1058% | 5,724 |
| Net charge-offs to loans | 0.0760% | 1,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 38.5957% | 1,027 |
| Efficiency ratio | 45.8507% | 5,818 |
| Assets per employee ($millions) | 4.4356% | 3,196 |
| Cash dividends to net income (ytd only)* | 133.1863% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 1,671 |
| Loan loss allowance to noncurrent loans | 713.0357% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 4,506 |
| Noncurrent loans to loans | 0.2219% | 4,634 |
| Net loans and leases to total assets | 90.3231% | 57 |
| Net loans and leases to deposits | 102.9403% | 464 |
| Net loans and leases to core deposits | 137.0580% | 198 |
| Total domestic deposits to total assets | 87.7431% | 1,782 |
| Equity capital to assets | 12.2132% | 1,883 |
| Core capital (leverage) ratio | 11.7993% | 1,750 |
| Tier 1 risk-based capital ratio | 14.2401% | 3,542 |
| Total risk-based capital ratio | 15.4967% | 3,466 |
| Memoranda: | ||
| Average total assets | $281,306,500 | 2,305 |
| Average earning assets | $269,331,500 | 2,248 |
| Average equity | $33,888,000 | 2,151 |
| Average total loans | $247,380,500 | 1,818 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2861% | 376 |
| Cost of funding earning assets | 0.4606% | 2,533 |
| Net interest margin | 4.8255% | 349 |
| Noninterest income to average assets | 0.2866% | 4,839 |
| Noninterest expense to average assets | 2.3883% | 4,542 |
| Loan and lease loss provision to assets | -0.6661% | 6,150 |
| Net operating income to assets | 3.1734% | 80 |
| Return on assets (ROA) | 3.1734% | 80 |
| Pretax return on assets | 3.1734% | 109 |
| Return on Equity (ROE) | 27.3499% | 75 |
| Retained earnings to average equity (ytd only) | 11.4622% | 294 |
| Net charge-offs to loans | 0.0112% | 4,085 |
| Credit loss provision to net charge-offs | -6,774.0741% | 5,745 |
| Earnings coverage of net charge-offs (x) | 255.0000% | 279 |
| Efficiency ratio | 48.7838% | 5,808 |
| Assets per employee ($millions) | 4.7149% | 2,714 |
| Cash dividends to net income (ytd only)* | 58.0904% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 1,429 |
| Loan loss allowance to noncurrent loans | 1,453.2374% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 4,577 |
| Noncurrent loans to loans | 0.1147% | 5,039 |
| Net loans and leases to total assets | 82.8680% | 500 |
| Net loans and leases to deposits | 94.0608% | 1,197 |
| Net loans and leases to core deposits | 130.2648% | 263 |
| Total domestic deposits to total assets | 88.1005% | 1,576 |
| Equity capital to assets | 11.8874% | 2,041 |
| Core capital (leverage) ratio | 12.1642% | 1,521 |
| Tier 1 risk-based capital ratio | 14.9340% | 3,207 |
| Total risk-based capital ratio | 16.1913% | 3,136 |
| Memoranda: | ||
| Average total assets | $274,591,800 | 2,306 |
| Average earning assets | $262,272,400 | 2,250 |
| Average equity | $31,861,200 | 2,209 |
| Average total loans | $241,351,600 | 1,787 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3112% | 367 |
| Cost of funding earning assets | 0.4710% | 2,490 |
| Net interest margin | 4.8402% | 342 |
| Noninterest income to average assets | 0.2919% | 4,857 |
| Noninterest expense to average assets | 2.2785% | 4,833 |
| Loan and lease loss provision to assets | 0.0049% | 4,168 |
| Net operating income to assets | 2.6392% | 133 |
| Return on assets (ROA) | 2.6392% | 140 |
| Pretax return on assets | 2.6392% | 197 |
| Return on Equity (ROE) | 22.8943% | 169 |
| Retained earnings to average equity (ytd only) | 5.7459% | 2,403 |
| Net charge-offs to loans | 0.0288% | 3,365 |
| Credit loss provision to net charge-offs | 19.2308% | 3,372 |
| Earnings coverage of net charge-offs (x) | 103.4832% | 604 |
| Efficiency ratio | 46.2867% | 5,952 |
| Assets per employee ($millions) | 4.3895% | 3,180 |
| Cash dividends to net income (ytd only)* | 74.9024% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4224% | 486 |
| Loan loss allowance to noncurrent loans | 1,747.4627% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 4,561 |
| Noncurrent loans to loans | 0.1386% | 5,078 |
| Net loans and leases to total assets | 88.0683% | 135 |
| Net loans and leases to deposits | 100.0445% | 662 |
| Net loans and leases to core deposits | 132.0408% | 253 |
| Total domestic deposits to total assets | 88.0291% | 1,537 |
| Equity capital to assets | 11.9089% | 2,174 |
| Core capital (leverage) ratio | 11.1535% | 2,347 |
| Tier 1 risk-based capital ratio | 14.0272% | 3,828 |
| Total risk-based capital ratio | 15.2951% | 3,766 |
| Memoranda: | ||
| Average total assets | $271,337,750 | 2,344 |
| Average earning assets | $259,596,250 | 2,286 |
| Average equity | $31,279,250 | 2,252 |
| Average total loans | $241,095,750 | 1,797 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2134% | 418 |
| Cost of funding earning assets | 0.4628% | 2,578 |
| Net interest margin | 4.7506% | 403 |
| Noninterest income to average assets | 0.2789% | 4,954 |
| Noninterest expense to average assets | 2.2852% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.5582% | 159 |
| Return on assets (ROA) | 2.5582% | 165 |
| Pretax return on assets | 2.5582% | 233 |
| Return on Equity (ROE) | 22.4348% | 181 |
| Retained earnings to average equity (ytd only) | 6.2555% | 2,090 |
| Net charge-offs to loans | 0.0465% | 2,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 62.2500% | 824 |
| Efficiency ratio | 47.1818% | 5,998 |
| Assets per employee ($millions) | 4.2738% | 3,347 |
| Cash dividends to net income (ytd only)* | 72.1170% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3959% | 554 |
| Loan loss allowance to noncurrent loans | 2,607.1429% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 4,829 |
| Noncurrent loans to loans | 0.0919% | 5,375 |
| Net loans and leases to total assets | 88.3611% | 121 |
| Net loans and leases to deposits | 100.1705% | 648 |
| Net loans and leases to core deposits | 131.6398% | 251 |
| Total domestic deposits to total assets | 88.2107% | 1,544 |
| Equity capital to assets | 11.7032% | 2,245 |
| Core capital (leverage) ratio | 10.9539% | 2,477 |
| Tier 1 risk-based capital ratio | 14.5066% | 3,634 |
| Total risk-based capital ratio | 15.7761% | 3,550 |
| Memoranda: | ||
| Average total assets | $272,531,330 | 2,352 |
| Average earning assets | $261,864,330 | 2,283 |
| Average equity | $31,076,670 | 2,277 |
| Average total loans | $240,906,670 | 1,803 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1563% | 441 |
| Cost of funding earning assets | 0.4591% | 2,688 |
| Net interest margin | 4.6972% | 412 |
| Noninterest income to average assets | 0.2772% | 4,958 |
| Noninterest expense to average assets | 2.2570% | 4,978 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.5283% | 147 |
| Return on assets (ROA) | 2.5283% | 157 |
| Pretax return on assets | 2.5283% | 231 |
| Return on Equity (ROE) | 22.4631% | 171 |
| Retained earnings to average equity (ytd only) | 8.1790% | 1,500 |
| Net charge-offs to loans | 0.0367% | 2,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 78.7727% | 601 |
| Efficiency ratio | 47.1646% | 6,059 |
| Assets per employee ($millions) | 4.2848% | 3,402 |
| Cash dividends to net income (ytd only)* | 63.5892% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4477% | 570 |
| Loan loss allowance to noncurrent loans | 2,657.9186% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 4,793 |
| Noncurrent loans to loans | 0.0921% | 5,419 |
| Net loans and leases to total assets | 85.3687% | 228 |
| Net loans and leases to deposits | 96.3799% | 806 |
| Net loans and leases to core deposits | 121.9222% | 370 |
| Total domestic deposits to total assets | 88.5752% | 1,509 |
| Equity capital to assets | 11.3683% | 2,581 |
| Core capital (leverage) ratio | 10.8128% | 2,610 |
| Tier 1 risk-based capital ratio | 14.4474% | 3,749 |
| Total risk-based capital ratio | 15.7173% | 3,666 |
| Memoranda: | ||
| Average total assets | $274,171,000 | 2,357 |
| Average earning assets | $263,135,000 | 2,294 |
| Average equity | $30,859,500 | 2,301 |
| Average total loans | $239,483,000 | 1,817 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2455% | 478 |
| Cost of funding earning assets | 0.4917% | 2,753 |
| Net interest margin | 4.7539% | 476 |
| Noninterest income to average assets | 0.3737% | 4,395 |
| Noninterest expense to average assets | 2.4835% | 4,600 |
| Loan and lease loss provision to assets | -0.3657% | 6,408 |
| Net operating income to assets | 2.8067% | 108 |
| Return on assets (ROA) | 2.8067% | 108 |
| Pretax return on assets | 2.8067% | 134 |
| Return on Equity (ROE) | 26.6806% | 82 |
| Retained earnings to average equity (ytd only) | 9.6224% | 579 |
| Net charge-offs to loans | 0.0873% | 3,240 |
| Credit loss provision to net charge-offs | -480.7692% | 5,779 |
| Earnings coverage of net charge-offs (x) | 32.0913% | 1,269 |
| Efficiency ratio | 50.4307% | 6,072 |
| Assets per employee ($millions) | 4.3510% | 3,272 |
| Cash dividends to net income (ytd only)* | 63.9349% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4671% | 574 |
| Loan loss allowance to noncurrent loans | 2,358.4000% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 4,773 |
| Noncurrent loans to loans | 0.1046% | 5,475 |
| Net loans and leases to total assets | 85.0344% | 274 |
| Net loans and leases to deposits | 95.8059% | 912 |
| Net loans and leases to core deposits | 112.6854% | 658 |
| Total domestic deposits to total assets | 88.7569% | 1,384 |
| Equity capital to assets | 11.1428% | 2,760 |
| Core capital (leverage) ratio | 10.8189% | 2,599 |
| Tier 1 risk-based capital ratio | 14.3225% | 3,887 |
| Total risk-based capital ratio | 15.5929% | 3,811 |
| Memoranda: | ||
| Average total assets | $273,448,600 | 2,332 |
| Average earning assets | $261,766,400 | 2,259 |
| Average equity | $28,766,200 | 2,360 |
| Average total loans | $238,127,200 | 1,775 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2326% | 487 |
| Cost of funding earning assets | 0.4986% | 2,787 |
| Net interest margin | 4.7340% | 470 |
| Noninterest income to average assets | 0.3991% | 4,252 |
| Noninterest expense to average assets | 2.3106% | 5,080 |
| Loan and lease loss provision to assets | -0.2439% | 6,422 |
| Net operating income to assets | 2.8629% | 101 |
| Return on assets (ROA) | 2.8629% | 102 |
| Pretax return on assets | 2.8629% | 130 |
| Return on Equity (ROE) | 27.6247% | 73 |
| Retained earnings to average equity (ytd only) | 6.8779% | 1,884 |
| Net charge-offs to loans | 0.0689% | 3,210 |
| Credit loss provision to net charge-offs | -406.5041% | 5,709 |
| Earnings coverage of net charge-offs (x) | 43.6412% | 1,067 |
| Efficiency ratio | 46.8725% | 6,249 |
| Assets per employee ($millions) | 3.8772% | 4,130 |
| Cash dividends to net income (ytd only)* | 75.1023% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7087% | 485 |
| Loan loss allowance to noncurrent loans | 445.4296% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.7249% | 3,636 |
| Noncurrent loans to loans | 0.6081% | 4,106 |
| Net loans and leases to total assets | 90.9683% | 41 |
| Net loans and leases to deposits | 102.7458% | 465 |
| Net loans and leases to core deposits | 132.0367% | 218 |
| Total domestic deposits to total assets | 88.5372% | 1,481 |
| Equity capital to assets | 11.4268% | 2,553 |
| Core capital (leverage) ratio | 10.5839% | 2,945 |
| Tier 1 risk-based capital ratio | 13.7885% | 4,363 |
| Total risk-based capital ratio | 15.0631% | 4,281 |
| Memoranda: | ||
| Average total assets | $273,282,000 | 2,353 |
| Average earning assets | $261,533,500 | 2,279 |
| Average equity | $28,321,750 | 2,397 |
| Average total loans | $237,912,000 | 1,779 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 605 |
| Cost of funding earning assets | 0.5596% | 2,264 |
| Net interest margin | 4.5526% | 636 |
| Noninterest income to average assets | 0.4142% | 4,141 |
| Noninterest expense to average assets | 2.1779% | 5,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.5914% | 123 |
| Return on assets (ROA) | 2.6244% | 124 |
| Pretax return on assets | 2.6244% | 175 |
| Return on Equity (ROE) | 26.1428% | 92 |
| Retained earnings to average equity (ytd only) | 6.3465% | 2,121 |
| Net charge-offs to loans | 0.0135% | 3,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 301 |
| Efficiency ratio | 45.6649% | 6,374 |
| Assets per employee ($millions) | 4.2819% | 3,307 |
| Cash dividends to net income (ytd only)* | 75.7236% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0554% | 359 |
| Loan loss allowance to noncurrent loans | 730.3061% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.4520% | 4,648 |
| Noncurrent loans to loans | 0.4184% | 4,733 |
| Net loans and leases to total assets | 85.5375% | 211 |
| Net loans and leases to deposits | 95.9813% | 804 |
| Net loans and leases to core deposits | 117.6211% | 433 |
| Total domestic deposits to total assets | 89.1189% | 1,293 |
| Equity capital to assets | 10.7990% | 3,092 |
| Core capital (leverage) ratio | 10.2152% | 3,316 |
| Tier 1 risk-based capital ratio | 13.6195% | 4,510 |
| Total risk-based capital ratio | 14.8986% | 4,436 |
| Memoranda: | ||
| Average total assets | $279,076,670 | 2,300 |
| Average earning assets | $266,968,330 | 2,230 |
| Average equity | $28,015,330 | 2,411 |
| Average total loans | $237,460,330 | 1,774 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 684 |
| Cost of funding earning assets | 0.5599% | 2,345 |
| Net interest margin | 4.4657% | 704 |
| Noninterest income to average assets | 0.2561% | 5,307 |
| Noninterest expense to average assets | 2.2261% | 5,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.2801% | 207 |
| Return on assets (ROA) | 2.2177% | 242 |
| Pretax return on assets | 2.2415% | 334 |
| Return on Equity (ROE) | 22.8976% | 175 |
| Retained earnings to average equity (ytd only) | 4.2617% | 3,567 |
| Net charge-offs to loans | 0.0301% | 2,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 491 |
| Efficiency ratio | 49.1353% | 6,306 |
| Assets per employee ($millions) | 4.4205% | 3,108 |
| Cash dividends to net income (ytd only)* | 81.3880% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9157% | 474 |
| Loan loss allowance to noncurrent loans | 585.9951% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 4,620 |
| Noncurrent loans to loans | 0.4976% | 4,669 |
| Net loans and leases to total assets | 84.2107% | 224 |
| Net loans and leases to deposits | 93.5189% | 835 |
| Net loans and leases to core deposits | 117.7060% | 371 |
| Total domestic deposits to total assets | 90.0468% | 1,051 |
| Equity capital to assets | 9.8595% | 4,019 |
| Core capital (leverage) ratio | 9.8890% | 3,732 |
| Tier 1 risk-based capital ratio | 12.2810% | 5,456 |
| Total risk-based capital ratio | 13.5571% | 5,370 |
| Memoranda: | ||
| Average total assets | $285,875,500 | 2,261 |
| Average earning assets | $273,641,000 | 2,191 |
| Average equity | $27,688,500 | 2,426 |
| Average total loans | $239,070,000 | 1,767 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2698% | 562 |
| Cost of funding earning assets | 0.5366% | 3,232 |
| Net interest margin | 4.7333% | 487 |
| Noninterest income to average assets | 0.2803% | 5,353 |
| Noninterest expense to average assets | 2.2986% | 5,388 |
| Loan and lease loss provision to assets | 0.3733% | 830 |
| Net operating income to assets | 2.1295% | 278 |
| Return on assets (ROA) | 2.1295% | 278 |
| Pretax return on assets | 2.1295% | 362 |
| Return on Equity (ROE) | 21.4173% | 213 |
| Retained earnings to average equity (ytd only) | 1.6180% | 5,065 |
| Net charge-offs to loans | 0.0368% | 4,711 |
| Credit loss provision to net charge-offs | 1,176.4706% | 217 |
| Earnings coverage of net charge-offs (x) | 78.8824% | 555 |
| Efficiency ratio | 47.8737% | 6,494 |
| Assets per employee ($millions) | 4.4436% | 3,006 |
| Cash dividends to net income (ytd only)* | 92.4452% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0523% | 443 |
| Loan loss allowance to noncurrent loans | 892.4623% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 5,160 |
| Noncurrent loans to loans | 0.3420% | 5,165 |
| Net loans and leases to total assets | 78.1191% | 813 |
| Net loans and leases to deposits | 87.2182% | 1,553 |
| Net loans and leases to core deposits | 109.4980% | 631 |
| Total domestic deposits to total assets | 89.5675% | 1,288 |
| Equity capital to assets | 9.5151% | 4,411 |
| Core capital (leverage) ratio | 10.0202% | 3,533 |
| Tier 1 risk-based capital ratio | 12.4504% | 5,317 |
| Total risk-based capital ratio | 13.7274% | 5,257 |
| Memoranda: | ||
| Average total assets | $267,898,200 | 2,371 |
| Average earning assets | $255,891,000 | 2,278 |
| Average equity | $26,637,400 | 2,491 |
| Average total loans | $231,171,000 | 1,780 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3601% | 481 |
| Cost of funding earning assets | 0.5525% | 3,236 |
| Net interest margin | 4.8075% | 423 |
| Noninterest income to average assets | 0.2954% | 5,333 |
| Noninterest expense to average assets | 2.1568% | 5,710 |
| Loan and lease loss provision to assets | 0.4568% | 621 |
| Net operating income to assets | 2.2705% | 228 |
| Return on assets (ROA) | 2.2705% | 237 |
| Pretax return on assets | 2.2705% | 341 |
| Return on Equity (ROE) | 22.5681% | 185 |
| Retained earnings to average equity (ytd only) | -3.6125% | 6,410 |
| Net charge-offs to loans | 0.0936% | 3,629 |
| Credit loss provision to net charge-offs | 555.5556% | 503 |
| Earnings coverage of net charge-offs (x) | 33.1674% | 1,150 |
| Efficiency ratio | 44.1592% | 6,651 |
| Assets per employee ($millions) | 3.9391% | 3,966 |
| Cash dividends to net income (ytd only)* | 116.0071% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9350% | 592 |
| Loan loss allowance to noncurrent loans | 1,585.1259% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 5,554 |
| Noncurrent loans to loans | 0.1852% | 5,774 |
| Net loans and leases to total assets | 89.4729% | 50 |
| Net loans and leases to deposits | 99.8153% | 472 |
| Net loans and leases to core deposits | 128.2664% | 210 |
| Total domestic deposits to total assets | 89.6385% | 1,203 |
| Equity capital to assets | 10.2846% | 3,526 |
| Core capital (leverage) ratio | 9.6534% | 4,163 |
| Tier 1 risk-based capital ratio | 12.2174% | 5,629 |
| Total risk-based capital ratio | 13.4945% | 5,547 |
| Memoranda: | ||
| Average total assets | $262,663,500 | 2,430 |
| Average earning assets | $250,711,750 | 2,333 |
| Average equity | $26,426,000 | 2,539 |
| Average total loans | $230,778,500 | 1,782 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2551% | 576 |
| Cost of funding earning assets | 0.5501% | 3,409 |
| Net interest margin | 4.7050% | 504 |
| Noninterest income to average assets | 0.3254% | 5,100 |
| Noninterest expense to average assets | 2.1346% | 5,789 |
| Loan and lease loss provision to assets | 0.4531% | 638 |
| Net operating income to assets | 2.2260% | 246 |
| Return on assets (ROA) | 2.2260% | 263 |
| Pretax return on assets | 2.2260% | 397 |
| Return on Equity (ROE) | 22.2852% | 196 |
| Retained earnings to average equity (ytd only) | -6.8791% | 6,560 |
| Net charge-offs to loans | 0.2314% | 2,341 |
| Credit loss provision to net charge-offs | 226.4151% | 1,086 |
| Earnings coverage of net charge-offs (x) | 13.3887% | 1,905 |
| Efficiency ratio | 44.3451% | 6,702 |
| Assets per employee ($millions) | 3.8988% | 4,017 |
| Cash dividends to net income (ytd only)* | 130.8684% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8197% | 694 |
| Loan loss allowance to noncurrent loans | 721.6814% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 5,044 |
| Noncurrent loans to loans | 0.3907% | 5,297 |
| Net loans and leases to total assets | 88.7247% | 71 |
| Net loans and leases to deposits | 99.0079% | 477 |
| Net loans and leases to core deposits | 122.9552% | 273 |
| Total domestic deposits to total assets | 89.6137% | 1,259 |
| Equity capital to assets | 10.3156% | 3,528 |
| Core capital (leverage) ratio | 9.5922% | 4,093 |
| Tier 1 risk-based capital ratio | 12.2445% | 5,653 |
| Total risk-based capital ratio | 13.5191% | 5,591 |
| Memoranda: | ||
| Average total assets | $264,870,330 | 2,411 |
| Average earning assets | $252,666,670 | 2,325 |
| Average equity | $26,457,000 | 2,540 |
| Average total loans | $229,032,670 | 1,791 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 705 |
| Cost of funding earning assets | 0.5525% | 3,550 |
| Net interest margin | 4.5766% | 585 |
| Noninterest income to average assets | 0.2336% | 5,786 |
| Noninterest expense to average assets | 2.2218% | 5,632 |
| Loan and lease loss provision to assets | 0.4435% | 645 |
| Net operating income to assets | 1.9276% | 385 |
| Return on assets (ROA) | 1.9276% | 422 |
| Pretax return on assets | 1.9276% | 695 |
| Return on Equity (ROE) | 19.5983% | 320 |
| Retained earnings to average equity (ytd only) | -13.6166% | 6,716 |
| Net charge-offs to loans | 0.3090% | 1,725 |
| Credit loss provision to net charge-offs | 170.4545% | 1,234 |
| Earnings coverage of net charge-offs (x) | 9.1136% | 1,880 |
| Efficiency ratio | 48.3746% | 6,597 |
| Assets per employee ($millions) | 4.1054% | 3,733 |
| Cash dividends to net income (ytd only)* | 169.4785% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7311% | 879 |
| Loan loss allowance to noncurrent loans | 1,257.5697% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 5,543 |
| Noncurrent loans to loans | 0.2172% | 5,867 |
| Net loans and leases to total assets | 82.9806% | 235 |
| Net loans and leases to deposits | 93.6241% | 692 |
| Net loans and leases to core deposits | 112.0546% | 436 |
| Total domestic deposits to total assets | 88.6317% | 1,911 |
| Equity capital to assets | 9.6543% | 4,635 |
| Core capital (leverage) ratio | 9.4281% | 4,196 |
| Tier 1 risk-based capital ratio | 12.0040% | 5,912 |
| Total risk-based capital ratio | 13.2769% | 5,858 |
| Memoranda: | ||
| Average total assets | $270,595,000 | 2,386 |
| Average earning assets | $257,746,500 | 2,306 |
| Average equity | $26,614,500 | 2,557 |
| Average total loans | $227,863,500 | 1,815 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2834% | 956 |
| Cost of funding earning assets | 0.6547% | 3,874 |
| Net interest margin | 4.6288% | 744 |
| Noninterest income to average assets | 0.2873% | 5,412 |
| Noninterest expense to average assets | 2.2933% | 5,708 |
| Loan and lease loss provision to assets | 0.9219% | 479 |
| Net operating income to assets | 1.4774% | 964 |
| Return on assets (ROA) | 1.4774% | 1,069 |
| Pretax return on assets | 1.4774% | 1,750 |
| Return on Equity (ROE) | 14.4898% | 903 |
| Retained earnings to average equity (ytd only) | 1.0097% | 5,373 |
| Net charge-offs to loans | 0.0457% | 5,271 |
| Credit loss provision to net charge-offs | 2,424.2424% | 99 |
| Earnings coverage of net charge-offs (x) | 63.0909% | 568 |
| Efficiency ratio | 48.8703% | 6,657 |
| Assets per employee ($millions) | 4.2894% | 3,378 |
| Cash dividends to net income (ytd only)* | 93.0317% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7559% | 869 |
| Loan loss allowance to noncurrent loans | 524.4915% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 4,901 |
| Noncurrent loans to loans | 0.5254% | 5,216 |
| Net loans and leases to total assets | 80.8129% | 397 |
| Net loans and leases to deposits | 89.8992% | 1,084 |
| Net loans and leases to core deposits | 104.9565% | 734 |
| Total domestic deposits to total assets | 89.8928% | 1,012 |
| Equity capital to assets | 10.0172% | 4,142 |
| Core capital (leverage) ratio | 10.2980% | 3,018 |
| Tier 1 risk-based capital ratio | 12.5410% | 5,441 |
| Total risk-based capital ratio | 13.8134% | 5,382 |
| Memoranda: | ||
| Average total assets | $260,320,800 | 2,436 |
| Average earning assets | $247,755,000 | 2,346 |
| Average equity | $26,542,800 | 2,519 |
| Average total loans | $216,522,800 | 1,868 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2777% | 1,051 |
| Cost of funding earning assets | 0.6794% | 3,942 |
| Net interest margin | 4.5982% | 822 |
| Noninterest income to average assets | 0.2870% | 5,486 |
| Noninterest expense to average assets | 2.1708% | 6,015 |
| Loan and lease loss provision to assets | 0.9308% | 462 |
| Net operating income to assets | 1.5704% | 915 |
| Return on assets (ROA) | 1.5704% | 1,008 |
| Pretax return on assets | 1.5704% | 1,669 |
| Return on Equity (ROE) | 15.3316% | 845 |
| Retained earnings to average equity (ytd only) | 6.6082% | 2,325 |
| Net charge-offs to loans | 0.0715% | 4,696 |
| Credit loss provision to net charge-offs | 1,565.2174% | 177 |
| Earnings coverage of net charge-offs (x) | 42.0607% | 847 |
| Efficiency ratio | 46.4638% | 6,801 |
| Assets per employee ($millions) | 3.7310% | 4,471 |
| Cash dividends to net income (ytd only)* | 56.8982% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4902% | 1,220 |
| Loan loss allowance to noncurrent loans | 447.6305% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 4,833 |
| Noncurrent loans to loans | 0.5563% | 5,331 |
| Net loans and leases to total assets | 89.9833% | 44 |
| Net loans and leases to deposits | 101.8810% | 359 |
| Net loans and leases to core deposits | 118.3538% | 340 |
| Total domestic deposits to total assets | 88.3219% | 1,830 |
| Equity capital to assets | 11.5911% | 2,657 |
| Core capital (leverage) ratio | 10.6755% | 2,727 |
| Tier 1 risk-based capital ratio | 13.5668% | 4,842 |
| Total risk-based capital ratio | 14.8368% | 4,786 |
| Memoranda: | ||
| Average total assets | $257,842,500 | 2,480 |
| Average earning assets | $245,884,500 | 2,391 |
| Average equity | $26,411,000 | 2,552 |
| Average total loans | $214,510,250 | 1,905 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 1,469 |
| Cost of funding earning assets | 0.6722% | 4,254 |
| Net interest margin | 4.4403% | 1,105 |
| Noninterest income to average assets | 0.3035% | 5,380 |
| Noninterest expense to average assets | 2.0825% | 6,259 |
| Loan and lease loss provision to assets | 0.9127% | 508 |
| Net operating income to assets | 1.5440% | 922 |
| Return on assets (ROA) | 1.5440% | 1,031 |
| Pretax return on assets | 1.5440% | 1,728 |
| Return on Equity (ROE) | 15.7092% | 816 |
| Retained earnings to average equity (ytd only) | 5.4866% | 2,996 |
| Net charge-offs to loans | 0.0057% | 5,411 |
| Credit loss provision to net charge-offs | 20,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 538.3333% | 73 |
| Efficiency ratio | 45.8780% | 6,888 |
| Assets per employee ($millions) | 4.0774% | 3,703 |
| Cash dividends to net income (ytd only)* | 65.0739% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3065% | 1,582 |
| Loan loss allowance to noncurrent loans | 274.8513% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0059% | 4,364 |
| Noncurrent loans to loans | 0.8392% | 4,836 |
| Net loans and leases to total assets | 85.1497% | 172 |
| Net loans and leases to deposits | 95.6426% | 654 |
| Net loans and leases to core deposits | 110.0485% | 577 |
| Total domestic deposits to total assets | 89.0291% | 1,484 |
| Equity capital to assets | 10.8850% | 3,245 |
| Core capital (leverage) ratio | 10.1245% | 3,240 |
| Tier 1 risk-based capital ratio | 13.1475% | 5,078 |
| Total risk-based capital ratio | 14.4140% | 5,044 |
| Memoranda: | ||
| Average total assets | $262,952,000 | 2,429 |
| Average earning assets | $250,836,670 | 2,348 |
| Average equity | $25,844,670 | 2,592 |
| Average total loans | $211,415,330 | 1,934 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 2,249 |
| Cost of funding earning assets | 0.6845% | 4,416 |
| Net interest margin | 4.2133% | 1,726 |
| Noninterest income to average assets | 0.2701% | 5,718 |
| Noninterest expense to average assets | 2.0684% | 6,342 |
| Loan and lease loss provision to assets | 0.8954% | 494 |
| Net operating income to assets | 1.3208% | 1,397 |
| Return on assets (ROA) | 1.3208% | 1,564 |
| Pretax return on assets | 1.3208% | 2,465 |
| Return on Equity (ROE) | 14.1552% | 1,159 |
| Retained earnings to average equity (ytd only) | 6.1579% | 2,863 |
| Net charge-offs to loans | 0.0116% | 4,548 |
| Credit loss provision to net charge-offs | 10,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 247.5000% | 145 |
| Efficiency ratio | 48.2759% | 6,783 |
| Assets per employee ($millions) | 4.1941% | 3,592 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1516% | 1,986 |
| Loan loss allowance to noncurrent loans | 337.2460% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.8402% | 4,852 |
| Noncurrent loans to loans | 0.6380% | 5,366 |
| Net loans and leases to total assets | 77.1416% | 688 |
| Net loans and leases to deposits | 85.3587% | 1,490 |
| Net loans and leases to core deposits | 96.7918% | 1,228 |
| Total domestic deposits to total assets | 90.3734% | 885 |
| Equity capital to assets | 9.5357% | 4,748 |
| Core capital (leverage) ratio | 8.9208% | 4,962 |
| Tier 1 risk-based capital ratio | 12.2963% | 5,760 |
| Total risk-based capital ratio | 13.5597% | 5,710 |
| Memoranda: | ||
| Average total assets | $268,029,500 | 2,404 |
| Average earning assets | $255,382,000 | 2,323 |
| Average equity | $25,008,500 | 2,665 |
| Average total loans | $206,954,000 | 1,966 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2355% | 1,929 |
| Cost of funding earning assets | 0.8137% | 4,759 |
| Net interest margin | 4.4218% | 1,340 |
| Noninterest income to average assets | 0.1964% | 6,099 |
| Noninterest expense to average assets | 2.4485% | 5,638 |
| Loan and lease loss provision to assets | 0.5406% | 1,943 |
| Net operating income to assets | 1.3733% | 1,075 |
| Return on assets (ROA) | 1.3733% | 1,163 |
| Pretax return on assets | 1.3733% | 1,867 |
| Return on Equity (ROE) | 13.5411% | 1,042 |
| Retained earnings to average equity (ytd only) | 0.4832% | 5,611 |
| Net charge-offs to loans | 0.3538% | 3,632 |
| Credit loss provision to net charge-offs | 187.2370% | 1,377 |
| Earnings coverage of net charge-offs (x) | 6.6283% | 2,475 |
| Efficiency ratio | 56.1270% | 6,302 |
| Assets per employee ($millions) | 4.3148% | 3,223 |
| Cash dividends to net income (ytd only)* | 96.4317% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8911% | 2,595 |
| Loan loss allowance to noncurrent loans | 315.0729% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 5,214 |
| Noncurrent loans to loans | 0.6002% | 5,518 |
| Net loans and leases to total assets | 74.2036% | 1,237 |
| Net loans and leases to deposits | 81.7509% | 2,236 |
| Net loans and leases to core deposits | 92.5063% | 1,837 |
| Total domestic deposits to total assets | 90.7678% | 599 |
| Equity capital to assets | 9.1310% | 5,373 |
| Core capital (leverage) ratio | 9.4679% | 4,081 |
| Tier 1 risk-based capital ratio | 12.1797% | 5,701 |
| Total risk-based capital ratio | 13.4394% | 5,671 |
| Memoranda: | ||
| Average total assets | $246,925,800 | 2,557 |
| Average earning assets | $232,642,400 | 2,480 |
| Average equity | $25,042,200 | 2,577 |
| Average total loans | $201,501,000 | 2,029 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3252% | 1,771 |
| Cost of funding earning assets | 0.8422% | 4,830 |
| Net interest margin | 4.4830% | 1,188 |
| Noninterest income to average assets | 0.2980% | 5,477 |
| Noninterest expense to average assets | 2.2872% | 6,070 |
| Loan and lease loss provision to assets | 0.6287% | 1,553 |
| Net operating income to assets | 1.5986% | 779 |
| Return on assets (ROA) | 1.5986% | 850 |
| Pretax return on assets | 1.5986% | 1,390 |
| Return on Equity (ROE) | 15.3318% | 780 |
| Retained earnings to average equity (ytd only) | 1.9231% | 5,177 |
| Net charge-offs to loans | 0.2454% | 3,891 |
| Credit loss provision to net charge-offs | 307.5881% | 925 |
| Earnings coverage of net charge-offs (x) | 10.8970% | 1,867 |
| Efficiency ratio | 50.6626% | 6,791 |
| Assets per employee ($millions) | 3.7452% | 4,422 |
| Cash dividends to net income (ytd only)* | 87.4568% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9829% | 2,382 |
| Loan loss allowance to noncurrent loans | 354.6174% | 900 |
| Noncurrent assets plus other real estate owned to assets | 1.1668% | 4,457 |
| Noncurrent loans to loans | 0.5592% | 5,747 |
| Net loans and leases to total assets | 84.4713% | 194 |
| Net loans and leases to deposits | 94.6265% | 784 |
| Net loans and leases to core deposits | 112.9965% | 576 |
| Total domestic deposits to total assets | 89.2681% | 1,273 |
| Equity capital to assets | 10.6277% | 3,540 |
| Core capital (leverage) ratio | 10.0459% | 3,374 |
| Tier 1 risk-based capital ratio | 12.8655% | 5,195 |
| Total risk-based capital ratio | 14.1272% | 5,162 |
| Memoranda: | ||
| Average total assets | $240,699,250 | 2,642 |
| Average earning assets | $226,389,500 | 2,551 |
| Average equity | $25,097,500 | 2,564 |
| Average total loans | $200,477,000 | 2,059 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 1,947 |
| Cost of funding earning assets | 0.8474% | 5,083 |
| Net interest margin | 4.4339% | 1,284 |
| Noninterest income to average assets | 0.3104% | 5,408 |
| Noninterest expense to average assets | 2.1983% | 6,390 |
| Loan and lease loss provision to assets | 0.5201% | 1,880 |
| Net operating income to assets | 1.7517% | 547 |
| Return on assets (ROA) | 1.7517% | 586 |
| Pretax return on assets | 1.7517% | 958 |
| Return on Equity (ROE) | 16.9052% | 561 |
| Retained earnings to average equity (ytd only) | 3.4655% | 4,043 |
| Net charge-offs to loans | 0.0591% | 5,057 |
| Credit loss provision to net charge-offs | 1,067.7966% | 316 |
| Earnings coverage of net charge-offs (x) | 46.6441% | 662 |
| Efficiency ratio | 49.1782% | 6,993 |
| Assets per employee ($millions) | 3.8833% | 4,027 |
| Cash dividends to net income (ytd only)* | 79.5005% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 2,569 |
| Loan loss allowance to noncurrent loans | 266.2734% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 1.0681% | 4,750 |
| Noncurrent loans to loans | 0.7255% | 5,463 |
| Net loans and leases to total assets | 79.6166% | 569 |
| Net loans and leases to deposits | 88.8669% | 1,387 |
| Net loans and leases to core deposits | 99.8979% | 1,350 |
| Total domestic deposits to total assets | 89.5908% | 1,188 |
| Equity capital to assets | 10.2816% | 3,777 |
| Core capital (leverage) ratio | 10.3524% | 2,879 |
| Tier 1 risk-based capital ratio | 13.0438% | 4,883 |
| Total risk-based capital ratio | 14.3046% | 4,855 |
| Memoranda: | ||
| Average total assets | $242,282,330 | 2,631 |
| Average earning assets | $227,293,330 | 2,561 |
| Average equity | $25,104,670 | 2,551 |
| Average total loans | $199,522,000 | 2,088 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2270% | 2,127 |
| Cost of funding earning assets | 0.8463% | 5,294 |
| Net interest margin | 4.3807% | 1,337 |
| Noninterest income to average assets | 0.2538% | 5,865 |
| Noninterest expense to average assets | 2.2182% | 6,383 |
| Loan and lease loss provision to assets | 0.5226% | 1,666 |
| Net operating income to assets | 1.6607% | 607 |
| Return on assets (ROA) | 1.6607% | 640 |
| Pretax return on assets | 1.6607% | 1,057 |
| Return on Equity (ROE) | 15.9649% | 681 |
| Retained earnings to average equity (ytd only) | 11.3716% | 832 |
| Net charge-offs to loans | 0.1000% | 3,950 |
| Credit loss provision to net charge-offs | 630.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 26.3200% | 929 |
| Efficiency ratio | 50.3958% | 6,959 |
| Assets per employee ($millions) | 3.8168% | 4,266 |
| Cash dividends to net income (ytd only)* | 28.7712% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 3,149 |
| Loan loss allowance to noncurrent loans | 319.8370% | 967 |
| Noncurrent assets plus other real estate owned to assets | 1.0577% | 4,812 |
| Noncurrent loans to loans | 0.5492% | 5,926 |
| Net loans and leases to total assets | 83.4577% | 251 |
| Net loans and leases to deposits | 95.9431% | 692 |
| Net loans and leases to core deposits | 108.3220% | 829 |
| Total domestic deposits to total assets | 86.9867% | 2,947 |
| Equity capital to assets | 10.7504% | 2,929 |
| Core capital (leverage) ratio | 10.3915% | 2,711 |
| Tier 1 risk-based capital ratio | 12.6976% | 5,070 |
| Total risk-based capital ratio | 13.9555% | 5,037 |
| Memoranda: | ||
| Average total assets | $241,098,500 | 2,654 |
| Average earning assets | $228,276,000 | 2,563 |
| Average equity | $25,080,000 | 2,533 |
| Average total loans | $199,973,500 | 2,109 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6880% | 1,614 |
| Cost of funding earning assets | 1.0392% | 5,489 |
| Net interest margin | 4.6488% | 910 |
| Noninterest income to average assets | 0.3375% | 5,372 |
| Noninterest expense to average assets | 2.3847% | 6,126 |
| Loan and lease loss provision to assets | 0.4871% | 3,224 |
| Net operating income to assets | 1.8594% | 369 |
| Return on assets (ROA) | 1.8594% | 399 |
| Pretax return on assets | 1.8594% | 667 |
| Return on Equity (ROE) | 20.0676% | 249 |
| Retained earnings to average equity (ytd only) | 11.6986% | 301 |
| Net charge-offs to loans | 0.2815% | 4,612 |
| Credit loss provision to net charge-offs | 197.8610% | 1,598 |
| Earnings coverage of net charge-offs (x) | 9.5312% | 1,811 |
| Efficiency ratio | 50.4035% | 7,091 |
| Assets per employee ($millions) | 4.0255% | 3,733 |
| Cash dividends to net income (ytd only)* | 41.7040% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 3,420 |
| Loan loss allowance to noncurrent loans | 405.2109% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 5,187 |
| Noncurrent loans to loans | 0.4052% | 6,234 |
| Net loans and leases to total assets | 79.6783% | 703 |
| Net loans and leases to deposits | 88.6966% | 1,695 |
| Net loans and leases to core deposits | 105.2622% | 1,241 |
| Total domestic deposits to total assets | 89.8324% | 1,194 |
| Equity capital to assets | 10.0670% | 3,664 |
| Core capital (leverage) ratio | 10.4366% | 2,623 |
| Tier 1 risk-based capital ratio | 12.3961% | 5,118 |
| Total risk-based capital ratio | 13.6525% | 5,090 |
| Memoranda: | ||
| Average total assets | $227,869,600 | 2,782 |
| Average earning assets | $215,365,200 | 2,684 |
| Average equity | $21,113,600 | 2,990 |
| Average total loans | $199,260,200 | 2,161 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7822% | 1,449 |
| Cost of funding earning assets | 1.0860% | 5,511 |
| Net interest margin | 4.6962% | 851 |
| Noninterest income to average assets | 0.3532% | 5,339 |
| Noninterest expense to average assets | 2.2125% | 6,569 |
| Loan and lease loss provision to assets | 0.4744% | 3,103 |
| Net operating income to assets | 2.0992% | 285 |
| Return on assets (ROA) | 2.0992% | 305 |
| Pretax return on assets | 2.0992% | 500 |
| Return on Equity (ROE) | 23.2068% | 157 |
| Retained earnings to average equity (ytd only) | 11.5572% | 516 |
| Net charge-offs to loans | 0.2622% | 4,377 |
| Credit loss provision to net charge-offs | 202.8061% | 1,755 |
| Earnings coverage of net charge-offs (x) | 11.0026% | 1,832 |
| Efficiency ratio | 46.2286% | 7,375 |
| Assets per employee ($millions) | 3.5756% | 4,789 |
| Cash dividends to net income (ytd only)* | 50.1990% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 3,802 |
| Loan loss allowance to noncurrent loans | 273.6842% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 1.0993% | 4,913 |
| Noncurrent loans to loans | 0.5611% | 6,080 |
| Net loans and leases to total assets | 90.2474% | 53 |
| Net loans and leases to deposits | 100.3647% | 631 |
| Net loans and leases to core deposits | 107.8407% | 1,175 |
| Total domestic deposits to total assets | 89.9195% | 920 |
| Equity capital to assets | 9.4946% | 4,853 |
| Core capital (leverage) ratio | 8.7542% | 5,097 |
| Tier 1 risk-based capital ratio | 10.2784% | 6,913 |
| Total risk-based capital ratio | 11.5337% | 6,897 |
| Memoranda: | ||
| Average total assets | $223,448,250 | 2,864 |
| Average earning assets | $210,916,250 | 2,780 |
| Average equity | $20,212,000 | 3,163 |
| Average total loans | $199,345,250 | 2,193 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7175% | 1,696 |
| Cost of funding earning assets | 1.0935% | 5,709 |
| Net interest margin | 4.6240% | 945 |
| Noninterest income to average assets | 0.3901% | 4,992 |
| Noninterest expense to average assets | 2.1854% | 6,682 |
| Loan and lease loss provision to assets | 0.4374% | 3,127 |
| Net operating income to assets | 2.1273% | 266 |
| Return on assets (ROA) | 2.1273% | 289 |
| Pretax return on assets | 2.1273% | 467 |
| Return on Equity (ROE) | 23.9097% | 152 |
| Retained earnings to average equity (ytd only) | 10.7860% | 695 |
| Net charge-offs to loans | 0.3292% | 3,677 |
| Credit loss provision to net charge-offs | 150.3067% | 2,610 |
| Earnings coverage of net charge-offs (x) | 8.8129% | 2,092 |
| Efficiency ratio | 46.0064% | 7,442 |
| Assets per employee ($millions) | 3.4949% | 4,942 |
| Cash dividends to net income (ytd only)* | 54.8888% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 4,325 |
| Loan loss allowance to noncurrent loans | 192.3231% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 1.1518% | 4,826 |
| Noncurrent loans to loans | 0.7395% | 5,779 |
| Net loans and leases to total assets | 90.7003% | 46 |
| Net loans and leases to deposits | 100.4977% | 681 |
| Net loans and leases to core deposits | 120.4337% | 682 |
| Total domestic deposits to total assets | 90.2511% | 792 |
| Equity capital to assets | 9.2398% | 5,095 |
| Core capital (leverage) ratio | 8.4492% | 5,497 |
| Tier 1 risk-based capital ratio | 9.9238% | 7,069 |
| Total risk-based capital ratio | 11.1772% | 7,039 |
| Memoranda: | ||
| Average total assets | $224,036,000 | 2,883 |
| Average earning assets | $211,246,330 | 2,801 |
| Average equity | $19,933,330 | 3,185 |
| Average total loans | $198,065,330 | 2,234 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5435% | 2,391 |
| Cost of funding earning assets | 1.0869% | 5,969 |
| Net interest margin | 4.4566% | 1,242 |
| Noninterest income to average assets | 0.3452% | 5,378 |
| Noninterest expense to average assets | 2.0870% | 6,979 |
| Loan and lease loss provision to assets | 0.3328% | 3,400 |
| Net operating income to assets | 2.1207% | 285 |
| Return on assets (ROA) | 2.1207% | 310 |
| Pretax return on assets | 2.1207% | 485 |
| Return on Equity (ROE) | 24.2903% | 179 |
| Retained earnings to average equity (ytd only) | 17.3763% | 270 |
| Net charge-offs to loans | 0.4351% | 2,747 |
| Credit loss provision to net charge-offs | 88.2629% | 3,696 |
| Earnings coverage of net charge-offs (x) | 6.5070% | 2,212 |
| Efficiency ratio | 45.9649% | 7,552 |
| Assets per employee ($millions) | 3.6847% | 4,609 |
| Cash dividends to net income (ytd only)* | 28.4641% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 4,646 |
| Loan loss allowance to noncurrent loans | 104.8287% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 1.3259% | 4,539 |
| Noncurrent loans to loans | 1.2929% | 4,819 |
| Net loans and leases to total assets | 85.7636% | 230 |
| Net loans and leases to deposits | 94.1767% | 1,327 |
| Net loans and leases to core deposits | 109.5776% | 1,310 |
| Total domestic deposits to total assets | 91.0668% | 515 |
| Equity capital to assets | 8.8177% | 5,513 |
| Core capital (leverage) ratio | 8.2996% | 5,742 |
| Tier 1 risk-based capital ratio | 9.9368% | 7,074 |
| Total risk-based capital ratio | 11.1896% | 7,059 |
| Memoranda: | ||
| Average total assets | $225,965,000 | 2,919 |
| Average earning assets | $212,717,500 | 2,840 |
| Average equity | $19,728,000 | 3,233 |
| Average total loans | $195,806,500 | 2,320 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8672% | 2,384 |
| Cost of funding earning assets | 1.3231% | 6,224 |
| Net interest margin | 4.5441% | 1,088 |
| Noninterest income to average assets | 0.3915% | 5,282 |
| Noninterest expense to average assets | 2.4468% | 6,313 |
| Loan and lease loss provision to assets | 0.2997% | 5,037 |
| Net operating income to assets | 1.9167% | 281 |
| Return on assets (ROA) | 1.9167% | 290 |
| Pretax return on assets | 1.9167% | 490 |
| Return on Equity (ROE) | 22.4814% | 146 |
| Retained earnings to average equity (ytd only) | 12.6660% | 172 |
| Net charge-offs to loans | 0.1364% | 5,844 |
| Credit loss provision to net charge-offs | 248.0620% | 1,432 |
| Earnings coverage of net charge-offs (x) | 18.3450% | 1,130 |
| Efficiency ratio | 52.4704% | 7,351 |
| Assets per employee ($millions) | 3.5473% | 4,902 |
| Cash dividends to net income (ytd only)* | 43.6599% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 4,195 |
| Loan loss allowance to noncurrent loans | 115.1271% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 4,947 |
| Noncurrent loans to loans | 1.2228% | 4,909 |
| Net loans and leases to total assets | 85.1427% | 333 |
| Net loans and leases to deposits | 93.2776% | 1,697 |
| Net loans and leases to core deposits | 122.3387% | 1,754 |
| Total domestic deposits to total assets | 91.2789% | 443 |
| Equity capital to assets | 8.6415% | 5,677 |
| Core capital (leverage) ratio | 8.2556% | 5,710 |
| Tier 1 risk-based capital ratio | 9.6146% | 7,149 |
| Total risk-based capital ratio | 10.8677% | 7,124 |
| Memoranda: | ||
| Average total assets | $213,540,600 | 3,026 |
| Average earning assets | $200,742,000 | 2,956 |
| Average equity | $18,206,200 | 3,476 |
| Average total loans | $189,194,600 | 2,414 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8918% | 2,487 |
| Cost of funding earning assets | 1.3939% | 6,252 |
| Net interest margin | 4.4979% | 1,197 |
| Noninterest income to average assets | 0.3835% | 5,451 |
| Noninterest expense to average assets | 2.2629% | 6,805 |
| Loan and lease loss provision to assets | 0.3070% | 4,517 |
| Net operating income to assets | 2.0474% | 263 |
| Return on assets (ROA) | 2.0474% | 290 |
| Pretax return on assets | 2.0474% | 497 |
| Return on Equity (ROE) | 24.1009% | 125 |
| Retained earnings to average equity (ytd only) | 15.7426% | 137 |
| Net charge-offs to loans | 0.0390% | 6,364 |
| Credit loss provision to net charge-offs | 883.6364% | 429 |
| Earnings coverage of net charge-offs (x) | 67.7650% | 493 |
| Efficiency ratio | 49.0081% | 7,621 |
| Assets per employee ($millions) | 3.3517% | 5,248 |
| Cash dividends to net income (ytd only)* | 34.6806% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 3,749 |
| Loan loss allowance to noncurrent loans | 132.2812% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 1.0428% | 4,993 |
| Noncurrent loans to loans | 1.0868% | 5,132 |
| Net loans and leases to total assets | 91.2581% | 74 |
| Net loans and leases to deposits | 104.1635% | 758 |
| Net loans and leases to core deposits | 133.8968% | 1,215 |
| Total domestic deposits to total assets | 87.6104% | 1,843 |
| Equity capital to assets | 9.1918% | 5,180 |
| Core capital (leverage) ratio | 8.1902% | 6,031 |
| Tier 1 risk-based capital ratio | 10.0183% | 6,961 |
| Total risk-based capital ratio | 11.2760% | 6,907 |
| Memoranda: | ||
| Average total assets | $211,055,750 | 3,075 |
| Average earning assets | $198,666,250 | 3,003 |
| Average equity | $17,929,750 | 3,547 |
| Average total loans | $188,244,750 | 2,449 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9016% | 2,572 |
| Cost of funding earning assets | 1.4486% | 6,324 |
| Net interest margin | 4.4530% | 1,281 |
| Noninterest income to average assets | 0.3592% | 5,637 |
| Noninterest expense to average assets | 2.2759% | 6,836 |
| Loan and lease loss provision to assets | 0.3158% | 4,052 |
| Net operating income to assets | 1.9553% | 330 |
| Return on assets (ROA) | 1.9553% | 362 |
| Pretax return on assets | 1.9553% | 624 |
| Return on Equity (ROE) | 23.6497% | 170 |
| Retained earnings to average equity (ytd only) | 10.8328% | 587 |
| Net charge-offs to loans | 0.0246% | 6,144 |
| Credit loss provision to net charge-offs | 1,456.5217% | 352 |
| Earnings coverage of net charge-offs (x) | 104.7391% | 368 |
| Efficiency ratio | 50.0518% | 7,668 |
| Assets per employee ($millions) | 3.4283% | 5,007 |
| Cash dividends to net income (ytd only)* | 54.1948% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 3,686 |
| Loan loss allowance to noncurrent loans | 396.8516% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 6,331 |
| Noncurrent loans to loans | 0.3546% | 6,622 |
| Net loans and leases to total assets | 90.1511% | 124 |
| Net loans and leases to deposits | 99.6946% | 1,319 |
| Net loans and leases to core deposits | 122.8470% | 2,127 |
| Total domestic deposits to total assets | 90.4273% | 659 |
| Equity capital to assets | 8.7098% | 5,739 |
| Core capital (leverage) ratio | 7.9160% | 6,464 |
| Tier 1 risk-based capital ratio | 9.3454% | 7,511 |
| Total risk-based capital ratio | 10.5990% | 7,494 |
| Memoranda: | ||
| Average total assets | $212,139,670 | 3,084 |
| Average earning assets | $199,505,670 | 3,006 |
| Average equity | $17,539,330 | 3,607 |
| Average total loans | $186,858,330 | 2,493 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7678% | 3,443 |
| Cost of funding earning assets | 1.5101% | 6,372 |
| Net interest margin | 4.2578% | 1,715 |
| Noninterest income to average assets | 0.3845% | 5,341 |
| Noninterest expense to average assets | 2.2195% | 6,807 |
| Loan and lease loss provision to assets | 0.2767% | 3,745 |
| Net operating income to assets | 1.8945% | 438 |
| Return on assets (ROA) | 1.8945% | 487 |
| Pretax return on assets | 1.8945% | 807 |
| Return on Equity (ROE) | 23.5145% | 238 |
| Retained earnings to average equity (ytd only) | 17.8895% | 237 |
| Net charge-offs to loans | -0.1417% | 7,963 |
| Credit loss provision to net charge-offs | -225.7576% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5499% | 7,545 |
| Assets per employee ($millions) | 3.4609% | 4,911 |
| Cash dividends to net income (ytd only)* | 23.9216% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 3,660 |
| Loan loss allowance to noncurrent loans | 304.2959% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 5,499 |
| Noncurrent loans to loans | 0.4509% | 6,293 |
| Net loans and leases to total assets | 84.0685% | 679 |
| Net loans and leases to deposits | 94.6391% | 2,162 |
| Net loans and leases to core deposits | 121.0839% | 2,324 |
| Total domestic deposits to total assets | 88.8306% | 1,317 |
| Equity capital to assets | 8.1331% | 6,622 |
| Core capital (leverage) ratio | 7.7335% | 6,844 |
| Tier 1 risk-based capital ratio | 9.2962% | 7,594 |
| Total risk-based capital ratio | 10.5447% | 7,568 |
| Memoranda: | ||
| Average total assets | $215,360,000 | 3,048 |
| Average earning assets | $202,641,500 | 2,984 |
| Average equity | $17,351,000 | 3,662 |
| Average total loans | $186,244,000 | 2,515 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8319% | 1,577 |
| Cost of funding earning assets | 2.2076% | 5,563 |
| Net interest margin | 4.6243% | 1,112 |
| Noninterest income to average assets | 0.4250% | 5,262 |
| Noninterest expense to average assets | 2.2617% | 6,808 |
| Loan and lease loss provision to assets | 0.3186% | 3,828 |
| Net operating income to assets | 2.2227% | 225 |
| Return on assets (ROA) | 2.2227% | 221 |
| Pretax return on assets | 2.2227% | 375 |
| Return on Equity (ROE) | 25.3082% | 131 |
| Retained earnings to average equity (ytd only) | 0.1259% | 5,160 |
| Net charge-offs to loans | 0.4350% | 2,653 |
| Credit loss provision to net charge-offs | 81.6464% | 5,864 |
| Earnings coverage of net charge-offs (x) | 6.5128% | 3,344 |
| Efficiency ratio | 47.0891% | 7,866 |
| Assets per employee ($millions) | 4.3405% | 2,897 |
| Cash dividends to net income (ytd only)* | 99.5025% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 4,125 |
| Loan loss allowance to noncurrent loans | 144.6716% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 4,685 |
| Noncurrent loans to loans | 0.8648% | 4,893 |
| Net loans and leases to total assets | 86.6559% | 515 |
| Net loans and leases to deposits | 94.3229% | 2,707 |
| Net loans and leases to core deposits | 116.7174% | 3,041 |
| Total domestic deposits to total assets | 91.8716% | 154 |
| Equity capital to assets | 7.9784% | 6,877 |
| Core capital (leverage) ratio | 7.4616% | 7,248 |
| Tier 1 risk-based capital ratio | 9.1431% | 7,671 |
| Total risk-based capital ratio | 10.3950% | 7,639 |
| Memoranda: | ||
| Average total assets | $189,900,600 | 3,274 |
| Average earning assets | $179,789,400 | 3,191 |
| Average equity | $16,678,400 | 3,792 |
| Average total loans | $170,329,200 | 2,612 |