Home > First Bank & Trust of Milbank > Performance and Condition Ratios
First Bank & Trust of Milbank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 2,063 |
| Cost of funding earning assets | 0.5366% | 1,928 |
| Net interest margin | 3.7997% | 2,308 |
| Noninterest income to average assets | 0.3899% | 4,154 |
| Noninterest expense to average assets | 2.5260% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9711% | 2,529 |
| Return on assets (ROA) | 0.9711% | 2,640 |
| Pretax return on assets | 1.4431% | 1,826 |
| Return on Equity (ROE) | 7.9655% | 3,078 |
| Retained earnings to average equity (ytd only) | 3.1882% | 4,021 |
| Net charge-offs to loans | -0.0176% | 5,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4230% | 4,441 |
| Assets per employee ($millions) | 7.2030% | 766 |
| Cash dividends to net income (ytd only)* | 59.9744% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 3,874 |
| Loan loss allowance to noncurrent loans | 60.2777% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 1,532 |
| Noncurrent loans to loans | 1.9674% | 1,255 |
| Net loans and leases to total assets | 70.7744% | 2,197 |
| Net loans and leases to deposits | 84.3409% | 2,269 |
| Net loans and leases to core deposits | 87.5656% | 2,598 |
| Total domestic deposits to total assets | 83.9146% | 3,605 |
| Equity capital to assets | 12.4291% | 1,693 |
| Core capital (leverage) ratio | 11.4602% | 2,026 |
| Tier 1 risk-based capital ratio | 14.7619% | 3,498 |
| Total risk-based capital ratio | 15.8579% | 3,505 |
| Memoranda: | ||
| Average total assets | $161,046,670 | 3,473 |
| Average earning assets | $151,694,330 | 3,422 |
| Average equity | $19,634,670 | 3,253 |
| Average total loans | $113,680,000 | 3,186 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3026% | 2,098 |
| Cost of funding earning assets | 0.5342% | 1,978 |
| Net interest margin | 3.7684% | 2,361 |
| Noninterest income to average assets | 0.3918% | 4,071 |
| Noninterest expense to average assets | 2.4936% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9610% | 2,443 |
| Return on assets (ROA) | 0.9610% | 2,576 |
| Pretax return on assets | 1.4267% | 1,788 |
| Return on Equity (ROE) | 7.9576% | 2,977 |
| Retained earnings to average equity (ytd only) | 3.2646% | 4,027 |
| Net charge-offs to loans | -0.0492% | 5,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1678% | 4,603 |
| Assets per employee ($millions) | 7.2404% | 764 |
| Cash dividends to net income (ytd only)* | 58.9744% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 3,925 |
| Loan loss allowance to noncurrent loans | 71.3908% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.3711% | 1,931 |
| Noncurrent loans to loans | 1.6934% | 1,627 |
| Net loans and leases to total assets | 69.2563% | 2,243 |
| Net loans and leases to deposits | 82.8199% | 2,232 |
| Net loans and leases to core deposits | 87.5171% | 2,373 |
| Total domestic deposits to total assets | 83.6227% | 3,966 |
| Equity capital to assets | 12.4109% | 1,746 |
| Core capital (leverage) ratio | 11.2848% | 2,167 |
| Tier 1 risk-based capital ratio | 14.7165% | 3,593 |
| Total risk-based capital ratio | 15.8222% | 3,606 |
| Memoranda: | ||
| Average total assets | $162,336,500 | 3,481 |
| Average earning assets | $152,000,500 | 3,430 |
| Average equity | $19,604,000 | 3,275 |
| Average total loans | $113,770,000 | 3,201 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 2,068 |
| Cost of funding earning assets | 0.5839% | 1,913 |
| Net interest margin | 3.8671% | 2,369 |
| Noninterest income to average assets | 0.3977% | 4,197 |
| Noninterest expense to average assets | 2.5202% | 4,480 |
| Loan and lease loss provision to assets | 0.0137% | 4,343 |
| Net operating income to assets | 0.9979% | 2,388 |
| Return on assets (ROA) | 0.9979% | 2,470 |
| Pretax return on assets | 1.4807% | 1,613 |
| Return on Equity (ROE) | 8.4898% | 2,848 |
| Retained earnings to average equity (ytd only) | 3.3357% | 3,849 |
| Net charge-offs to loans | -0.0044% | 5,454 |
| Credit loss provision to net charge-offs | -440.0000% | 5,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5539% | 4,982 |
| Assets per employee ($millions) | 7.5175% | 658 |
| Cash dividends to net income (ytd only)* | 60.7098% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 4,268 |
| Loan loss allowance to noncurrent loans | 170.8440% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6500% | 3,619 |
| Noncurrent loans to loans | 0.6749% | 3,656 |
| Net loans and leases to total assets | 69.2548% | 2,345 |
| Net loans and leases to deposits | 82.5926% | 2,396 |
| Net loans and leases to core deposits | 86.1900% | 2,664 |
| Total domestic deposits to total assets | 83.8510% | 3,784 |
| Equity capital to assets | 11.7538% | 2,206 |
| Core capital (leverage) ratio | 11.0974% | 2,317 |
| Tier 1 risk-based capital ratio | 13.9734% | 4,110 |
| Total risk-based capital ratio | 15.0225% | 4,191 |
| Memoranda: | ||
| Average total assets | $160,937,200 | 3,477 |
| Average earning assets | $150,527,800 | 3,434 |
| Average equity | $18,916,800 | 3,296 |
| Average total loans | $112,600,200 | 3,169 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 2,040 |
| Cost of funding earning assets | 0.5921% | 1,903 |
| Net interest margin | 3.8612% | 2,384 |
| Noninterest income to average assets | 0.3896% | 4,327 |
| Noninterest expense to average assets | 2.5544% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9852% | 2,517 |
| Return on assets (ROA) | 0.9852% | 2,584 |
| Pretax return on assets | 1.4582% | 1,782 |
| Return on Equity (ROE) | 8.3818% | 2,997 |
| Retained earnings to average equity (ytd only) | 3.4138% | 4,190 |
| Net charge-offs to loans | -0.0012% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4324% | 4,822 |
| Assets per employee ($millions) | 7.6683% | 589 |
| Cash dividends to net income (ytd only)* | 59.2717% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 4,538 |
| Loan loss allowance to noncurrent loans | 328.3208% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 4,626 |
| Noncurrent loans to loans | 0.3483% | 4,859 |
| Net loans and leases to total assets | 70.3174% | 2,142 |
| Net loans and leases to deposits | 90.3891% | 1,386 |
| Net loans and leases to core deposits | 94.9846% | 1,759 |
| Total domestic deposits to total assets | 77.7941% | 5,568 |
| Equity capital to assets | 11.9025% | 2,150 |
| Core capital (leverage) ratio | 11.0195% | 2,467 |
| Tier 1 risk-based capital ratio | 14.0293% | 4,191 |
| Total risk-based capital ratio | 15.0725% | 4,273 |
| Memoranda: | ||
| Average total assets | $159,825,250 | 3,518 |
| Average earning assets | $149,968,750 | 3,471 |
| Average equity | $18,786,250 | 3,330 |
| Average total loans | $111,782,000 | 3,202 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 2,144 |
| Cost of funding earning assets | 0.5977% | 1,915 |
| Net interest margin | 3.8127% | 2,522 |
| Noninterest income to average assets | 0.3738% | 4,448 |
| Noninterest expense to average assets | 2.6082% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9070% | 2,768 |
| Return on assets (ROA) | 0.9070% | 2,870 |
| Pretax return on assets | 1.3348% | 2,135 |
| Return on Equity (ROE) | 7.7495% | 3,236 |
| Retained earnings to average equity (ytd only) | 3.1941% | 4,170 |
| Net charge-offs to loans | 0.0018% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1,064.0000% | 60 |
| Efficiency ratio | 64.9061% | 4,553 |
| Assets per employee ($millions) | 7.6701% | 576 |
| Cash dividends to net income (ytd only)* | 58.7828% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 4,681 |
| Loan loss allowance to noncurrent loans | 293.2735% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 4,614 |
| Noncurrent loans to loans | 0.3905% | 4,824 |
| Net loans and leases to total assets | 70.1041% | 2,066 |
| Net loans and leases to deposits | 88.8992% | 1,492 |
| Net loans and leases to core deposits | 93.1137% | 1,852 |
| Total domestic deposits to total assets | 78.8579% | 5,488 |
| Equity capital to assets | 11.7885% | 2,170 |
| Core capital (leverage) ratio | 11.0648% | 2,363 |
| Tier 1 risk-based capital ratio | 13.8267% | 4,372 |
| Total risk-based capital ratio | 14.8657% | 4,449 |
| Memoranda: | ||
| Average total assets | $159,422,330 | 3,543 |
| Average earning assets | $149,237,670 | 3,495 |
| Average equity | $18,659,330 | 3,332 |
| Average total loans | $110,861,000 | 3,225 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 2,103 |
| Cost of funding earning assets | 0.6014% | 1,961 |
| Net interest margin | 3.8086% | 2,436 |
| Noninterest income to average assets | 0.3758% | 4,382 |
| Noninterest expense to average assets | 2.5952% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9054% | 2,622 |
| Return on assets (ROA) | 0.9054% | 2,692 |
| Pretax return on assets | 1.3266% | 2,000 |
| Return on Equity (ROE) | 7.7643% | 3,061 |
| Retained earnings to average equity (ytd only) | 3.4388% | 4,074 |
| Net charge-offs to loans | -0.0220% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8875% | 4,711 |
| Assets per employee ($millions) | 6.4812% | 1,029 |
| Cash dividends to net income (ytd only)* | 55.7103% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 4,605 |
| Loan loss allowance to noncurrent loans | 295.5056% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 4,821 |
| Noncurrent loans to loans | 0.4084% | 4,911 |
| Net loans and leases to total assets | 69.1975% | 2,032 |
| Net loans and leases to deposits | 83.2432% | 1,921 |
| Net loans and leases to core deposits | 86.8312% | 2,217 |
| Total domestic deposits to total assets | 83.1269% | 4,563 |
| Equity capital to assets | 11.9866% | 1,877 |
| Core capital (leverage) ratio | 11.1600% | 2,258 |
| Tier 1 risk-based capital ratio | 14.3323% | 4,109 |
| Total risk-based capital ratio | 15.4255% | 4,156 |
| Memoranda: | ||
| Average total assets | $158,597,500 | 3,581 |
| Average earning assets | $147,664,000 | 3,549 |
| Average equity | $18,495,000 | 3,353 |
| Average total loans | $109,178,500 | 3,281 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5530% | 2,023 |
| Cost of funding earning assets | 0.7354% | 1,589 |
| Net interest margin | 3.8176% | 2,583 |
| Noninterest income to average assets | 0.4391% | 4,172 |
| Noninterest expense to average assets | 2.6421% | 4,309 |
| Loan and lease loss provision to assets | 0.0323% | 4,472 |
| Net operating income to assets | 0.9199% | 2,681 |
| Return on assets (ROA) | 0.9538% | 2,622 |
| Pretax return on assets | 1.3754% | 1,879 |
| Return on Equity (ROE) | 7.9550% | 3,047 |
| Retained earnings to average equity (ytd only) | 3.0202% | 4,085 |
| Net charge-offs to loans | -0.0203% | 6,146 |
| Credit loss provision to net charge-offs | -238.0952% | 6,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7648% | 4,778 |
| Assets per employee ($millions) | 6.7353% | 879 |
| Cash dividends to net income (ytd only)* | 62.0339% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,678 |
| Loan loss allowance to noncurrent loans | 623.3333% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 5,429 |
| Noncurrent loans to loans | 0.1919% | 5,618 |
| Net loans and leases to total assets | 66.8727% | 2,544 |
| Net loans and leases to deposits | 79.4049% | 2,535 |
| Net loans and leases to core deposits | 80.7948% | 3,037 |
| Total domestic deposits to total assets | 84.2174% | 4,087 |
| Equity capital to assets | 11.3489% | 2,294 |
| Core capital (leverage) ratio | 11.0506% | 2,341 |
| Tier 1 risk-based capital ratio | 14.0866% | 4,237 |
| Total risk-based capital ratio | 15.1679% | 4,287 |
| Memoranda: | ||
| Average total assets | $154,648,400 | 3,630 |
| Average earning assets | $144,277,400 | 3,599 |
| Average equity | $18,541,800 | 3,337 |
| Average total loans | $103,341,800 | 3,375 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 2,025 |
| Cost of funding earning assets | 0.7655% | 1,514 |
| Net interest margin | 3.7884% | 2,684 |
| Noninterest income to average assets | 0.4412% | 4,215 |
| Noninterest expense to average assets | 2.6771% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9383% | 2,646 |
| Return on assets (ROA) | 0.9854% | 2,541 |
| Pretax return on assets | 1.3821% | 1,990 |
| Return on Equity (ROE) | 8.1041% | 3,070 |
| Retained earnings to average equity (ytd only) | 3.5142% | 4,191 |
| Net charge-offs to loans | -0.0589% | 6,362 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7567% | 4,529 |
| Assets per employee ($millions) | 7.0486% | 730 |
| Cash dividends to net income (ytd only)* | 56.6370% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 4,877 |
| Loan loss allowance to noncurrent loans | 604.7170% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 5,562 |
| Noncurrent loans to loans | 0.1979% | 5,742 |
| Net loans and leases to total assets | 68.2593% | 2,256 |
| Net loans and leases to deposits | 87.3731% | 1,445 |
| Net loans and leases to core deposits | 89.8251% | 1,985 |
| Total domestic deposits to total assets | 78.1239% | 5,881 |
| Equity capital to assets | 11.8476% | 2,015 |
| Core capital (leverage) ratio | 11.0365% | 2,445 |
| Tier 1 risk-based capital ratio | 14.4787% | 4,084 |
| Total risk-based capital ratio | 15.5735% | 4,144 |
| Memoranda: | ||
| Average total assets | $152,899,000 | 3,691 |
| Average earning assets | $143,347,750 | 3,650 |
| Average equity | $18,591,000 | 3,365 |
| Average total loans | $101,825,750 | 3,430 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 2,078 |
| Cost of funding earning assets | 0.7965% | 1,438 |
| Net interest margin | 3.7362% | 2,819 |
| Noninterest income to average assets | 0.4455% | 4,195 |
| Noninterest expense to average assets | 2.6785% | 4,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8993% | 2,802 |
| Return on assets (ROA) | 0.9712% | 2,603 |
| Pretax return on assets | 1.3563% | 2,096 |
| Return on Equity (ROE) | 7.9190% | 3,137 |
| Retained earnings to average equity (ytd only) | 3.2040% | 4,273 |
| Net charge-offs to loans | -0.0580% | 6,319 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7335% | 4,406 |
| Assets per employee ($millions) | 6.9439% | 738 |
| Cash dividends to net income (ytd only)* | 59.5399% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 4,787 |
| Loan loss allowance to noncurrent loans | 280.3097% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 4,885 |
| Noncurrent loans to loans | 0.4420% | 5,157 |
| Net loans and leases to total assets | 66.1044% | 2,569 |
| Net loans and leases to deposits | 81.8793% | 2,075 |
| Net loans and leases to core deposits | 84.1331% | 2,545 |
| Total domestic deposits to total assets | 80.7339% | 5,416 |
| Equity capital to assets | 11.9902% | 1,920 |
| Core capital (leverage) ratio | 11.2653% | 2,117 |
| Tier 1 risk-based capital ratio | 14.6691% | 3,987 |
| Total risk-based capital ratio | 15.7797% | 4,051 |
| Memoranda: | ||
| Average total assets | $152,175,670 | 3,731 |
| Average earning assets | $142,122,670 | 3,690 |
| Average equity | $18,664,000 | 3,376 |
| Average total loans | $100,057,330 | 3,491 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 1,826 |
| Cost of funding earning assets | 0.8327% | 1,351 |
| Net interest margin | 3.7658% | 2,587 |
| Noninterest income to average assets | 0.4188% | 4,318 |
| Noninterest expense to average assets | 2.7364% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8586% | 2,870 |
| Return on assets (ROA) | 0.8586% | 2,997 |
| Pretax return on assets | 1.1720% | 2,678 |
| Return on Equity (ROE) | 6.9224% | 3,529 |
| Retained earnings to average equity (ytd only) | 3.9496% | 3,866 |
| Net charge-offs to loans | -0.0808% | 6,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6658% | 4,200 |
| Assets per employee ($millions) | 6.7677% | 861 |
| Cash dividends to net income (ytd only)* | 42.9448% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 4,681 |
| Loan loss allowance to noncurrent loans | 1,154.1284% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 5,378 |
| Noncurrent loans to loans | 0.1129% | 6,138 |
| Net loans and leases to total assets | 63.9987% | 2,708 |
| Net loans and leases to deposits | 75.5497% | 2,703 |
| Net loans and leases to core deposits | 78.4533% | 3,000 |
| Total domestic deposits to total assets | 84.7108% | 4,174 |
| Equity capital to assets | 12.6900% | 1,597 |
| Core capital (leverage) ratio | 11.2403% | 2,064 |
| Tier 1 risk-based capital ratio | 15.3710% | 3,611 |
| Total risk-based capital ratio | 16.5362% | 3,616 |
| Memoranda: | ||
| Average total assets | $151,880,500 | 3,776 |
| Average earning assets | $140,739,000 | 3,755 |
| Average equity | $18,837,500 | 3,396 |
| Average total loans | $98,960,000 | 3,534 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 1,988 |
| Cost of funding earning assets | 1.0966% | 920 |
| Net interest margin | 3.7633% | 3,379 |
| Noninterest income to average assets | 0.3352% | 5,059 |
| Noninterest expense to average assets | 2.5414% | 4,957 |
| Loan and lease loss provision to assets | 0.0300% | 5,522 |
| Net operating income to assets | 0.8842% | 2,894 |
| Return on assets (ROA) | 1.0308% | 2,409 |
| Pretax return on assets | 1.4553% | 1,835 |
| Return on Equity (ROE) | 8.4856% | 2,870 |
| Retained earnings to average equity (ytd only) | 4.5637% | 3,012 |
| Net charge-offs to loans | 0.0270% | 5,521 |
| Credit loss provision to net charge-offs | 173.0769% | 1,522 |
| Earnings coverage of net charge-offs (x) | 73.8077% | 503 |
| Efficiency ratio | 65.1491% | 4,676 |
| Assets per employee ($millions) | 7.0396% | 754 |
| Cash dividends to net income (ytd only)* | 46.2185% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 5,016 |
| Loan loss allowance to noncurrent loans | 655.0265% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 4,865 |
| Noncurrent loans to loans | 0.1864% | 6,004 |
| Net loans and leases to total assets | 64.6579% | 2,785 |
| Net loans and leases to deposits | 75.7031% | 2,852 |
| Net loans and leases to core deposits | 78.2901% | 3,221 |
| Total domestic deposits to total assets | 85.4099% | 3,657 |
| Equity capital to assets | 12.1268% | 1,959 |
| Core capital (leverage) ratio | 11.2802% | 2,028 |
| Tier 1 risk-based capital ratio | 14.5191% | 4,021 |
| Total risk-based capital ratio | 15.6164% | 4,075 |
| Memoranda: | ||
| Average total assets | $150,074,200 | 3,771 |
| Average earning assets | $138,975,400 | 3,742 |
| Average equity | $18,230,800 | 3,435 |
| Average total loans | $96,312,000 | 3,611 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 2,082 |
| Cost of funding earning assets | 1.1462% | 877 |
| Net interest margin | 3.7344% | 3,638 |
| Noninterest income to average assets | 0.4093% | 4,558 |
| Noninterest expense to average assets | 2.5587% | 4,884 |
| Loan and lease loss provision to assets | 0.0179% | 5,577 |
| Net operating income to assets | 0.8974% | 2,993 |
| Return on assets (ROA) | 1.0765% | 2,384 |
| Pretax return on assets | 1.5771% | 1,652 |
| Return on Equity (ROE) | 8.8576% | 2,869 |
| Retained earnings to average equity (ytd only) | 4.6941% | 3,596 |
| Net charge-offs to loans | 0.0182% | 5,421 |
| Credit loss provision to net charge-offs | 153.8462% | 1,831 |
| Earnings coverage of net charge-offs (x) | 114.4039% | 376 |
| Efficiency ratio | 64.4107% | 4,738 |
| Assets per employee ($millions) | 6.6382% | 887 |
| Cash dividends to net income (ytd only)* | 47.0046% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 5,083 |
| Loan loss allowance to noncurrent loans | 227.2222% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 1.2729% | 3,748 |
| Noncurrent loans to loans | 0.5466% | 5,349 |
| Net loans and leases to total assets | 66.8018% | 2,502 |
| Net loans and leases to deposits | 82.0153% | 2,117 |
| Net loans and leases to core deposits | 84.7792% | 2,606 |
| Total domestic deposits to total assets | 81.4504% | 5,207 |
| Equity capital to assets | 12.7492% | 1,743 |
| Core capital (leverage) ratio | 11.0312% | 2,349 |
| Tier 1 risk-based capital ratio | 14.7193% | 4,034 |
| Total risk-based capital ratio | 15.8370% | 4,097 |
| Memoranda: | ||
| Average total assets | $148,874,750 | 3,838 |
| Average earning assets | $138,777,750 | 3,779 |
| Average equity | $18,093,250 | 3,490 |
| Average total loans | $95,046,250 | 3,677 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7874% | 2,559 |
| Cost of funding earning assets | 1.1879% | 865 |
| Net interest margin | 3.5995% | 4,262 |
| Noninterest income to average assets | 0.3778% | 4,814 |
| Noninterest expense to average assets | 2.5751% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7984% | 3,399 |
| Return on assets (ROA) | 1.0332% | 2,546 |
| Pretax return on assets | 1.4885% | 1,882 |
| Return on Equity (ROE) | 8.6394% | 2,971 |
| Retained earnings to average equity (ytd only) | 4.8443% | 3,370 |
| Net charge-offs to loans | -0.0277% | 6,509 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7304% | 4,182 |
| Assets per employee ($millions) | 6.7223% | 840 |
| Cash dividends to net income (ytd only)* | 43.9276% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 4,969 |
| Loan loss allowance to noncurrent loans | 692.6966% | 564 |
| Noncurrent assets plus other real estate owned to assets | 1.0562% | 4,269 |
| Noncurrent loans to loans | 0.1852% | 6,212 |
| Net loans and leases to total assets | 64.1628% | 2,998 |
| Net loans and leases to deposits | 76.5812% | 2,904 |
| Net loans and leases to core deposits | 79.3828% | 3,307 |
| Total domestic deposits to total assets | 83.7840% | 4,409 |
| Equity capital to assets | 12.3645% | 1,901 |
| Core capital (leverage) ratio | 10.8487% | 2,437 |
| Tier 1 risk-based capital ratio | 14.6207% | 4,023 |
| Total risk-based capital ratio | 15.7525% | 4,065 |
| Memoranda: | ||
| Average total assets | $149,819,330 | 3,840 |
| Average earning assets | $139,239,670 | 3,798 |
| Average equity | $17,918,000 | 3,509 |
| Average total loans | $93,800,000 | 3,717 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 2,788 |
| Cost of funding earning assets | 1.2169% | 914 |
| Net interest margin | 3.5472% | 4,499 |
| Noninterest income to average assets | 0.2865% | 5,581 |
| Noninterest expense to average assets | 2.6263% | 4,722 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6791% | 3,987 |
| Return on assets (ROA) | 0.6791% | 4,203 |
| Pretax return on assets | 0.9311% | 3,929 |
| Return on Equity (ROE) | 5.7742% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.7442% | 4,337 |
| Net charge-offs to loans | -0.0216% | 6,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3341% | 3,374 |
| Assets per employee ($millions) | 6.7125% | 873 |
| Cash dividends to net income (ytd only)* | 35.1563% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 4,843 |
| Loan loss allowance to noncurrent loans | 451.6605% | 749 |
| Noncurrent assets plus other real estate owned to assets | 1.1221% | 4,257 |
| Noncurrent loans to loans | 0.2967% | 6,078 |
| Net loans and leases to total assets | 61.0228% | 3,449 |
| Net loans and leases to deposits | 71.4690% | 3,514 |
| Net loans and leases to core deposits | 74.9007% | 3,762 |
| Total domestic deposits to total assets | 85.3835% | 3,844 |
| Equity capital to assets | 12.0548% | 2,003 |
| Core capital (leverage) ratio | 10.8339% | 2,406 |
| Tier 1 risk-based capital ratio | 15.0696% | 3,708 |
| Total risk-based capital ratio | 16.2496% | 3,721 |
| Memoranda: | ||
| Average total assets | $150,783,500 | 3,854 |
| Average earning assets | $139,037,500 | 3,836 |
| Average equity | $17,734,000 | 3,539 |
| Average total loans | $92,638,000 | 3,765 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4880% | 1,195 |
| Cost of funding earning assets | 1.4604% | 831 |
| Net interest margin | 4.0276% | 2,745 |
| Noninterest income to average assets | 0.8057% | 2,027 |
| Noninterest expense to average assets | 2.9396% | 3,810 |
| Loan and lease loss provision to assets | 0.5910% | 1,754 |
| Net operating income to assets | 0.7153% | 3,416 |
| Return on assets (ROA) | 0.7153% | 3,591 |
| Pretax return on assets | 0.9907% | 3,277 |
| Return on Equity (ROE) | 5.9855% | 3,876 |
| Retained earnings to average equity (ytd only) | 5.9855% | 2,025 |
| Net charge-offs to loans | 1.1460% | 1,484 |
| Credit loss provision to net charge-offs | 71.7839% | 4,784 |
| Earnings coverage of net charge-offs (x) | 1.9211% | 4,332 |
| Efficiency ratio | 63.7826% | 5,164 |
| Assets per employee ($millions) | 6.9950% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 4,915 |
| Loan loss allowance to noncurrent loans | 491.5323% | 694 |
| Noncurrent assets plus other real estate owned to assets | 1.6096% | 3,541 |
| Noncurrent loans to loans | 0.2640% | 6,195 |
| Net loans and leases to total assets | 60.2485% | 3,945 |
| Net loans and leases to deposits | 70.0375% | 4,092 |
| Net loans and leases to core deposits | 72.2067% | 4,495 |
| Total domestic deposits to total assets | 86.0232% | 3,312 |
| Equity capital to assets | 11.4796% | 2,519 |
| Core capital (leverage) ratio | 11.0322% | 2,248 |
| Tier 1 risk-based capital ratio | 14.5314% | 3,952 |
| Total risk-based capital ratio | 15.6786% | 3,998 |
| Memoranda: | ||
| Average total assets | $141,616,200 | 3,946 |
| Average earning assets | $130,648,200 | 3,914 |
| Average equity | $16,924,200 | 3,592 |
| Average total loans | $101,742,200 | 3,577 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6271% | 977 |
| Cost of funding earning assets | 1.5165% | 810 |
| Net interest margin | 4.1107% | 2,431 |
| Noninterest income to average assets | 0.8594% | 1,808 |
| Noninterest expense to average assets | 2.9640% | 3,692 |
| Loan and lease loss provision to assets | 0.8055% | 1,154 |
| Net operating income to assets | 0.6611% | 3,816 |
| Return on assets (ROA) | 0.6611% | 3,991 |
| Pretax return on assets | 0.9036% | 3,747 |
| Return on Equity (ROE) | 5.4722% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.4722% | 2,874 |
| Net charge-offs to loans | 1.4825% | 982 |
| Credit loss provision to net charge-offs | 72.5932% | 4,395 |
| Earnings coverage of net charge-offs (x) | 1.5403% | 4,484 |
| Efficiency ratio | 62.2117% | 5,378 |
| Assets per employee ($millions) | 6.2417% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 5,269 |
| Loan loss allowance to noncurrent loans | 417.6271% | 765 |
| Noncurrent assets plus other real estate owned to assets | 2.1170% | 3,011 |
| Noncurrent loans to loans | 0.2984% | 6,252 |
| Net loans and leases to total assets | 71.1079% | 1,882 |
| Net loans and leases to deposits | 85.0365% | 1,830 |
| Net loans and leases to core deposits | 88.0850% | 2,475 |
| Total domestic deposits to total assets | 83.6205% | 4,418 |
| Equity capital to assets | 12.6575% | 1,814 |
| Core capital (leverage) ratio | 11.0984% | 2,317 |
| Tier 1 risk-based capital ratio | 13.8580% | 4,446 |
| Total risk-based capital ratio | 14.9898% | 4,504 |
| Memoranda: | ||
| Average total assets | $138,547,500 | 4,028 |
| Average earning assets | $128,540,500 | 3,979 |
| Average equity | $16,738,750 | 3,625 |
| Average total loans | $103,693,750 | 3,552 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5827% | 1,102 |
| Cost of funding earning assets | 1.5504% | 839 |
| Net interest margin | 4.0323% | 2,691 |
| Noninterest income to average assets | 0.9197% | 1,587 |
| Noninterest expense to average assets | 2.9419% | 3,859 |
| Loan and lease loss provision to assets | 1.0464% | 808 |
| Net operating income to assets | 0.5210% | 4,412 |
| Return on assets (ROA) | 0.5210% | 4,552 |
| Pretax return on assets | 0.6822% | 4,454 |
| Return on Equity (ROE) | 4.3813% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.3813% | 3,404 |
| Net charge-offs to loans | 1.7512% | 812 |
| Credit loss provision to net charge-offs | 78.8503% | 3,810 |
| Earnings coverage of net charge-offs (x) | 1.3026% | 4,308 |
| Efficiency ratio | 61.7565% | 5,622 |
| Assets per employee ($millions) | 6.6328% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 5,106 |
| Loan loss allowance to noncurrent loans | 156.0554% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 2.2055% | 2,972 |
| Noncurrent loans to loans | 0.8269% | 5,275 |
| Net loans and leases to total assets | 74.3050% | 1,359 |
| Net loans and leases to deposits | 88.6834% | 1,407 |
| Net loans and leases to core deposits | 92.0883% | 2,114 |
| Total domestic deposits to total assets | 83.7868% | 4,437 |
| Equity capital to assets | 12.0448% | 2,057 |
| Core capital (leverage) ratio | 10.6769% | 2,541 |
| Tier 1 risk-based capital ratio | 12.9536% | 4,951 |
| Total risk-based capital ratio | 14.1432% | 4,981 |
| Memoranda: | ||
| Average total assets | $138,957,330 | 4,043 |
| Average earning assets | $129,255,330 | 4,003 |
| Average equity | $16,524,670 | 3,646 |
| Average total loans | $105,299,670 | 3,557 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 1,212 |
| Cost of funding earning assets | 1.5953% | 835 |
| Net interest margin | 3.9389% | 2,959 |
| Noninterest income to average assets | 0.9222% | 1,581 |
| Noninterest expense to average assets | 2.9281% | 3,957 |
| Loan and lease loss provision to assets | 0.3804% | 2,282 |
| Net operating income to assets | 0.9050% | 2,539 |
| Return on assets (ROA) | 0.9050% | 2,599 |
| Pretax return on assets | 1.2854% | 2,083 |
| Return on Equity (ROE) | 7.6592% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.6592% | 1,859 |
| Net charge-offs to loans | 0.1857% | 3,382 |
| Credit loss provision to net charge-offs | 269.3878% | 1,162 |
| Earnings coverage of net charge-offs (x) | 11.7959% | 1,531 |
| Efficiency ratio | 62.4843% | 5,599 |
| Assets per employee ($millions) | 6.5216% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 3,864 |
| Loan loss allowance to noncurrent loans | 62.9487% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 3.0171% | 2,290 |
| Noncurrent loans to loans | 2.4958% | 2,992 |
| Net loans and leases to total assets | 74.6132% | 1,249 |
| Net loans and leases to deposits | 88.5915% | 1,400 |
| Net loans and leases to core deposits | 93.6026% | 1,940 |
| Total domestic deposits to total assets | 84.2216% | 4,400 |
| Equity capital to assets | 12.1392% | 1,835 |
| Core capital (leverage) ratio | 10.5944% | 2,512 |
| Tier 1 risk-based capital ratio | 13.0570% | 4,785 |
| Total risk-based capital ratio | 14.3085% | 4,765 |
| Memoranda: | ||
| Average total assets | $138,792,000 | 4,081 |
| Average earning assets | $129,376,500 | 4,038 |
| Average equity | $16,398,500 | 3,653 |
| Average total loans | $105,524,000 | 3,587 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7851% | 1,311 |
| Cost of funding earning assets | 1.9114% | 808 |
| Net interest margin | 3.8736% | 3,620 |
| Noninterest income to average assets | 0.4827% | 4,301 |
| Noninterest expense to average assets | 2.6932% | 5,021 |
| Loan and lease loss provision to assets | 0.7259% | 2,260 |
| Net operating income to assets | 0.4820% | 4,189 |
| Return on assets (ROA) | 0.4820% | 4,341 |
| Pretax return on assets | 0.6546% | 4,146 |
| Return on Equity (ROE) | 4.2160% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.2160% | 2,890 |
| Net charge-offs to loans | 1.2109% | 1,852 |
| Credit loss provision to net charge-offs | 75.9701% | 5,699 |
| Earnings coverage of net charge-offs (x) | 1.4448% | 4,674 |
| Efficiency ratio | 64.7296% | 5,214 |
| Assets per employee ($millions) | 6.6967% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 4,317 |
| Loan loss allowance to noncurrent loans | 57.4397% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.5954% | 2,688 |
| Noncurrent loans to loans | 2.5132% | 3,015 |
| Net loans and leases to total assets | 75.1499% | 1,442 |
| Net loans and leases to deposits | 88.4281% | 1,736 |
| Net loans and leases to core deposits | 94.1606% | 2,237 |
| Total domestic deposits to total assets | 84.9841% | 3,853 |
| Equity capital to assets | 11.4996% | 2,262 |
| Core capital (leverage) ratio | 10.5163% | 2,544 |
| Tier 1 risk-based capital ratio | 12.5186% | 5,006 |
| Total risk-based capital ratio | 13.7699% | 4,993 |
| Memoranda: | ||
| Average total assets | $140,240,000 | 4,052 |
| Average earning assets | $130,007,200 | 4,017 |
| Average equity | $16,034,200 | 3,757 |
| Average total loans | $110,662,600 | 3,530 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8463% | 1,262 |
| Cost of funding earning assets | 1.9693% | 830 |
| Net interest margin | 3.8770% | 3,630 |
| Noninterest income to average assets | 0.4224% | 4,780 |
| Noninterest expense to average assets | 2.5678% | 5,436 |
| Loan and lease loss provision to assets | 0.7002% | 2,191 |
| Net operating income to assets | 0.5375% | 4,147 |
| Return on assets (ROA) | 0.5375% | 4,317 |
| Pretax return on assets | 0.7449% | 4,099 |
| Return on Equity (ROE) | 4.7083% | 4,446 |
| Retained earnings to average equity (ytd only) | 4.7083% | 3,186 |
| Net charge-offs to loans | 1.4227% | 1,433 |
| Credit loss provision to net charge-offs | 61.8487% | 5,642 |
| Earnings coverage of net charge-offs (x) | 1.2765% | 4,799 |
| Efficiency ratio | 62.5889% | 5,506 |
| Assets per employee ($millions) | 6.1948% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 4,966 |
| Loan loss allowance to noncurrent loans | 38.2910% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 3.6160% | 1,971 |
| Noncurrent loans to loans | 3.3937% | 2,341 |
| Net loans and leases to total assets | 78.9155% | 895 |
| Net loans and leases to deposits | 95.6332% | 1,031 |
| Net loans and leases to core deposits | 103.5130% | 1,525 |
| Total domestic deposits to total assets | 82.5190% | 4,793 |
| Equity capital to assets | 11.9955% | 2,164 |
| Core capital (leverage) ratio | 10.3680% | 2,841 |
| Tier 1 risk-based capital ratio | 12.3442% | 5,121 |
| Total risk-based capital ratio | 13.5772% | 5,124 |
| Memoranda: | ||
| Average total assets | $140,142,250 | 4,108 |
| Average earning assets | $129,788,500 | 4,074 |
| Average equity | $15,999,750 | 3,805 |
| Average total loans | $111,520,250 | 3,565 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7838% | 1,468 |
| Cost of funding earning assets | 2.0070% | 895 |
| Net interest margin | 3.7768% | 4,010 |
| Noninterest income to average assets | 0.3776% | 5,104 |
| Noninterest expense to average assets | 2.5412% | 5,564 |
| Loan and lease loss provision to assets | 0.6675% | 2,166 |
| Net operating income to assets | 0.4822% | 4,405 |
| Return on assets (ROA) | 0.4822% | 4,565 |
| Pretax return on assets | 0.6604% | 4,362 |
| Return on Equity (ROE) | 4.2937% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.2937% | 3,347 |
| Net charge-offs to loans | 1.7371% | 1,077 |
| Credit loss provision to net charge-offs | 48.3607% | 5,455 |
| Earnings coverage of net charge-offs (x) | 0.9621% | 4,817 |
| Efficiency ratio | 64.2178% | 5,292 |
| Assets per employee ($millions) | 6.8016% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,297 |
| Loan loss allowance to noncurrent loans | 47.5296% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 2.9706% | 2,401 |
| Noncurrent loans to loans | 2.5862% | 3,051 |
| Net loans and leases to total assets | 76.8471% | 1,321 |
| Net loans and leases to deposits | 92.0908% | 1,516 |
| Net loans and leases to core deposits | 103.9186% | 1,648 |
| Total domestic deposits to total assets | 83.4471% | 4,368 |
| Equity capital to assets | 11.2635% | 2,625 |
| Core capital (leverage) ratio | 10.2172% | 2,916 |
| Tier 1 risk-based capital ratio | 11.8647% | 5,428 |
| Total risk-based capital ratio | 13.0286% | 5,476 |
| Memoranda: | ||
| Average total assets | $141,428,000 | 4,114 |
| Average earning assets | $130,745,000 | 4,075 |
| Average equity | $15,883,670 | 3,821 |
| Average total loans | $112,371,670 | 3,571 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8236% | 1,390 |
| Cost of funding earning assets | 2.0536% | 935 |
| Net interest margin | 3.7700% | 3,919 |
| Noninterest income to average assets | 0.4264% | 4,693 |
| Noninterest expense to average assets | 2.6037% | 5,348 |
| Loan and lease loss provision to assets | 0.5600% | 2,262 |
| Net operating income to assets | 0.5315% | 4,223 |
| Return on assets (ROA) | 0.5315% | 4,362 |
| Pretax return on assets | 0.7277% | 4,138 |
| Return on Equity (ROE) | 4.7397% | 4,511 |
| Retained earnings to average equity (ytd only) | 4.7397% | 3,302 |
| Net charge-offs to loans | 2.2515% | 755 |
| Credit loss provision to net charge-offs | 30.9748% | 4,797 |
| Earnings coverage of net charge-offs (x) | 0.7123% | 4,393 |
| Efficiency ratio | 65.4492% | 5,227 |
| Assets per employee ($millions) | 6.4724% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 5,050 |
| Loan loss allowance to noncurrent loans | 37.6183% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 3.3380% | 2,135 |
| Noncurrent loans to loans | 3.3999% | 2,352 |
| Net loans and leases to total assets | 81.2647% | 677 |
| Net loans and leases to deposits | 97.7002% | 937 |
| Net loans and leases to core deposits | 110.8385% | 1,227 |
| Total domestic deposits to total assets | 83.1776% | 4,533 |
| Equity capital to assets | 11.6959% | 2,234 |
| Core capital (leverage) ratio | 10.1915% | 2,937 |
| Tier 1 risk-based capital ratio | 11.7893% | 5,407 |
| Total risk-based capital ratio | 13.0168% | 5,372 |
| Memoranda: | ||
| Average total assets | $140,725,500 | 4,181 |
| Average earning assets | $129,335,500 | 4,161 |
| Average equity | $15,781,500 | 3,871 |
| Average total loans | $112,993,000 | 3,623 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9724% | 1,977 |
| Cost of funding earning assets | 2.4622% | 1,115 |
| Net interest margin | 3.5102% | 4,909 |
| Noninterest income to average assets | 0.4016% | 5,185 |
| Noninterest expense to average assets | 2.0994% | 7,190 |
| Loan and lease loss provision to assets | 1.2988% | 1,776 |
| Net operating income to assets | 0.2477% | 4,727 |
| Return on assets (ROA) | 0.4584% | 4,018 |
| Pretax return on assets | 0.4841% | 4,230 |
| Return on Equity (ROE) | 4.4969% | 3,886 |
| Retained earnings to average equity (ytd only) | 4.4969% | 2,104 |
| Net charge-offs to loans | 0.8699% | 2,660 |
| Credit loss provision to net charge-offs | 191.5254% | 2,082 |
| Earnings coverage of net charge-offs (x) | 2.3021% | 3,997 |
| Efficiency ratio | 55.8921% | 7,035 |
| Assets per employee ($millions) | 6.9300% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 3,129 |
| Loan loss allowance to noncurrent loans | 38.2570% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 3.8913% | 1,707 |
| Noncurrent loans to loans | 4.2840% | 1,691 |
| Net loans and leases to total assets | 77.1176% | 1,562 |
| Net loans and leases to deposits | 91.7737% | 1,925 |
| Net loans and leases to core deposits | 109.3817% | 2,965 |
| Total domestic deposits to total assets | 84.0302% | 4,013 |
| Equity capital to assets | 10.7647% | 2,902 |
| Core capital (leverage) ratio | 9.4442% | 3,787 |
| Tier 1 risk-based capital ratio | 11.2352% | 5,679 |
| Total risk-based capital ratio | 12.4892% | 5,628 |
| Memoranda: | ||
| Average total assets | $147,902,400 | 3,988 |
| Average earning assets | $137,315,800 | 3,951 |
| Average equity | $15,077,200 | 4,047 |
| Average total loans | $115,304,000 | 3,573 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9609% | 2,190 |
| Cost of funding earning assets | 2.4922% | 1,328 |
| Net interest margin | 3.4687% | 4,998 |
| Noninterest income to average assets | 0.3942% | 5,346 |
| Noninterest expense to average assets | 2.0894% | 7,216 |
| Loan and lease loss provision to assets | 1.0649% | 1,824 |
| Net operating income to assets | 0.4265% | 4,292 |
| Return on assets (ROA) | 0.4265% | 4,397 |
| Pretax return on assets | 0.4804% | 4,578 |
| Return on Equity (ROE) | 4.2419% | 4,277 |
| Retained earnings to average equity (ytd only) | 4.2419% | 2,904 |
| Net charge-offs to loans | 0.4267% | 3,549 |
| Credit loss provision to net charge-offs | 320.5405% | 1,282 |
| Earnings coverage of net charge-offs (x) | 4.6514% | 3,057 |
| Efficiency ratio | 56.0277% | 6,995 |
| Assets per employee ($millions) | 6.9655% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 3,222 |
| Loan loss allowance to noncurrent loans | 32.4344% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 4.3808% | 1,406 |
| Noncurrent loans to loans | 4.7555% | 1,434 |
| Net loans and leases to total assets | 77.1547% | 1,755 |
| Net loans and leases to deposits | 97.5234% | 1,378 |
| Net loans and leases to core deposits | 121.3670% | 2,131 |
| Total domestic deposits to total assets | 79.1140% | 5,761 |
| Equity capital to assets | 10.7072% | 3,281 |
| Core capital (leverage) ratio | 9.1444% | 4,423 |
| Tier 1 risk-based capital ratio | 11.0197% | 5,934 |
| Total risk-based capital ratio | 12.2701% | 5,897 |
| Memoranda: | ||
| Average total assets | $148,495,250 | 3,999 |
| Average earning assets | $138,723,000 | 3,955 |
| Average equity | $14,930,000 | 4,106 |
| Average total loans | $115,605,000 | 3,605 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9603% | 2,344 |
| Cost of funding earning assets | 2.5147% | 1,560 |
| Net interest margin | 3.4457% | 5,000 |
| Noninterest income to average assets | 0.3752% | 5,507 |
| Noninterest expense to average assets | 2.0639% | 7,347 |
| Loan and lease loss provision to assets | 0.7465% | 2,197 |
| Net operating income to assets | 0.6245% | 3,567 |
| Return on assets (ROA) | 0.6245% | 3,679 |
| Pretax return on assets | 0.7840% | 3,724 |
| Return on Equity (ROE) | 6.3462% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.3462% | 1,866 |
| Net charge-offs to loans | 0.5986% | 2,543 |
| Credit loss provision to net charge-offs | 160.5187% | 2,861 |
| Earnings coverage of net charge-offs (x) | 3.2911% | 3,501 |
| Efficiency ratio | 55.9657% | 7,126 |
| Assets per employee ($millions) | 7.0559% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,337 |
| Loan loss allowance to noncurrent loans | 35.9530% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 2.8035% | 2,293 |
| Noncurrent loans to loans | 2.7476% | 2,620 |
| Net loans and leases to total assets | 78.6035% | 1,614 |
| Net loans and leases to deposits | 99.7824% | 1,308 |
| Net loans and leases to core deposits | 123.1874% | 2,098 |
| Total domestic deposits to total assets | 78.7750% | 5,868 |
| Equity capital to assets | 10.0153% | 3,917 |
| Core capital (leverage) ratio | 8.6529% | 5,177 |
| Tier 1 risk-based capital ratio | 10.0540% | 6,868 |
| Total risk-based capital ratio | 10.9696% | 7,158 |
| Memoranda: | ||
| Average total assets | $149,235,330 | 4,008 |
| Average earning assets | $139,421,670 | 3,958 |
| Average equity | $14,686,000 | 4,161 |
| Average total loans | $115,931,330 | 3,626 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8584% | 2,992 |
| Cost of funding earning assets | 2.5405% | 1,766 |
| Net interest margin | 3.3178% | 5,439 |
| Noninterest income to average assets | 0.3232% | 5,869 |
| Noninterest expense to average assets | 1.9417% | 7,462 |
| Loan and lease loss provision to assets | 0.3766% | 3,067 |
| Net operating income to assets | 0.8360% | 2,968 |
| Return on assets (ROA) | 0.8360% | 3,118 |
| Pretax return on assets | 1.1057% | 2,969 |
| Return on Equity (ROE) | 8.5701% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.5701% | 1,614 |
| Net charge-offs to loans | -0.1078% | 7,898 |
| Credit loss provision to net charge-offs | -454.8387% | 6,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1482% | 7,084 |
| Assets per employee ($millions) | 7.1680% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 6,407 |
| Loan loss allowance to noncurrent loans | 32.5137% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 2.5849% | 2,217 |
| Noncurrent loans to loans | 2.9653% | 2,203 |
| Net loans and leases to total assets | 76.7022% | 2,111 |
| Net loans and leases to deposits | 95.5779% | 2,017 |
| Net loans and leases to core deposits | 117.3901% | 2,649 |
| Total domestic deposits to total assets | 80.2510% | 5,261 |
| Equity capital to assets | 9.8851% | 4,133 |
| Core capital (leverage) ratio | 8.5364% | 5,460 |
| Tier 1 risk-based capital ratio | 10.0144% | 6,900 |
| Total risk-based capital ratio | 10.9090% | 7,213 |
| Memoranda: | ||
| Average total assets | $149,766,000 | 4,016 |
| Average earning assets | $139,970,500 | 3,955 |
| Average equity | $14,609,000 | 4,207 |
| Average total loans | $115,081,000 | 3,671 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7169% | 1,967 |
| Cost of funding earning assets | 3.0500% | 1,686 |
| Net interest margin | 3.6669% | 4,613 |
| Noninterest income to average assets | 0.3235% | 6,137 |
| Noninterest expense to average assets | 1.8875% | 7,635 |
| Loan and lease loss provision to assets | 0.4848% | 2,877 |
| Net operating income to assets | 0.7958% | 3,450 |
| Return on assets (ROA) | 0.5751% | 4,283 |
| Pretax return on assets | 1.0209% | 3,313 |
| Return on Equity (ROE) | 5.6773% | 4,081 |
| Retained earnings to average equity (ytd only) | -4.1123% | 6,346 |
| Net charge-offs to loans | 0.4499% | 2,579 |
| Credit loss provision to net charge-offs | 139.1837% | 3,813 |
| Earnings coverage of net charge-offs (x) | 5.3122% | 3,690 |
| Efficiency ratio | 48.9920% | 7,734 |
| Assets per employee ($millions) | 7.4502% | 584 |
| Cash dividends to net income (ytd only)* | 172.4351% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 6,944 |
| Loan loss allowance to noncurrent loans | 23.8477% | 7,062 |
| Noncurrent assets plus other real estate owned to assets | 2.8355% | 1,653 |
| Noncurrent loans to loans | 3.5147% | 1,440 |
| Net loans and leases to total assets | 75.5871% | 2,733 |
| Net loans and leases to deposits | 98.7134% | 2,025 |
| Net loans and leases to core deposits | 120.3370% | 2,652 |
| Total domestic deposits to total assets | 76.5723% | 6,104 |
| Equity capital to assets | 9.6226% | 4,519 |
| Core capital (leverage) ratio | 8.3740% | 5,812 |
| Tier 1 risk-based capital ratio | 9.9310% | 6,811 |
| Total risk-based capital ratio | 10.7034% | 7,275 |
| Memoranda: | ||
| Average total assets | $140,664,400 | 4,073 |
| Average earning assets | $130,982,600 | 4,026 |
| Average equity | $14,249,800 | 4,282 |
| Average total loans | $108,913,000 | 3,706 |