Home > First Century Bank, Inc. > Performance and Condition Ratios
First Century Bank, Inc., Performance and Condition Ratios
| 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 | 3.4951% | 4,705 |
| Cost of funding earning assets | 0.2839% | 4,212 |
| Net interest margin | 3.2112% | 4,305 |
| Noninterest income to average assets | 1.8577% | 344 |
| Noninterest expense to average assets | 4.7906% | 273 |
| Loan and lease loss provision to assets | 0.0475% | 2,864 |
| Net operating income to assets | 0.2631% | 5,282 |
| Return on assets (ROA) | 0.2631% | 5,298 |
| Pretax return on assets | -0.0376% | 5,617 |
| Return on Equity (ROE) | 2.3932% | 5,262 |
| Retained earnings to average equity (ytd only) | -6.6039% | 5,473 |
| Net charge-offs to loans | 0.0841% | 1,508 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 0.2083% | 2,836 |
| Efficiency ratio | 99.7939% | 227 |
| Assets per employee ($millions) | 3.2907% | 5,053 |
| Cash dividends to net income (ytd only)* | 375.9398% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,751 |
| Loan loss allowance to noncurrent loans | 85.4751% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.8586% | 750 |
| Noncurrent loans to loans | 1.2779% | 1,577 |
| Net loans and leases to total assets | 55.9509% | 4,175 |
| Net loans and leases to deposits | 64.6965% | 4,273 |
| Net loans and leases to core deposits | 66.3156% | 4,410 |
| Total domestic deposits to total assets | 86.4820% | 2,454 |
| Equity capital to assets | 10.8991% | 2,745 |
| Core capital (leverage) ratio | 10.2526% | 3,188 |
| Tier 1 risk-based capital ratio | 17.3936% | 2,069 |
| Total risk-based capital ratio | 18.4615% | 2,065 |
| Memoranda: | ||
| Average total assets | $404,378,500 | 1,711 |
| Average earning assets | $370,580,500 | 1,731 |
| Average equity | $44,458,500 | 1,699 |
| Average total loans | $228,420,500 | 1,962 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5729% | 4,584 |
| Cost of funding earning assets | 0.2935% | 4,140 |
| Net interest margin | 3.2793% | 4,207 |
| Noninterest income to average assets | 1.2560% | 721 |
| Noninterest expense to average assets | 4.4654% | 389 |
| Loan and lease loss provision to assets | 0.1716% | 1,419 |
| Net operating income to assets | -0.1805% | 5,710 |
| Return on assets (ROA) | -0.1733% | 5,723 |
| Pretax return on assets | -0.3726% | 5,755 |
| Return on Equity (ROE) | -1.5849% | 5,727 |
| Retained earnings to average equity (ytd only) | -6.0619% | 5,708 |
| Net charge-offs to loans | 0.7437% | 282 |
| Credit loss provision to net charge-offs | 40.0114% | 3,492 |
| Earnings coverage of net charge-offs (x) | -0.4949% | 4,159 |
| Efficiency ratio | 104.9899% | 174 |
| Assets per employee ($millions) | 3.1077% | 5,253 |
| Cash dividends to net income (ytd only)* | -282.4859% | 5,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 3,727 |
| Loan loss allowance to noncurrent loans | 88.6251% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.9064% | 752 |
| Noncurrent loans to loans | 1.2384% | 1,657 |
| Net loans and leases to total assets | 55.7856% | 4,284 |
| Net loans and leases to deposits | 64.8668% | 4,342 |
| Net loans and leases to core deposits | 66.4687% | 4,497 |
| Total domestic deposits to total assets | 86.0002% | 2,583 |
| Equity capital to assets | 11.0896% | 2,551 |
| Core capital (leverage) ratio | 10.2554% | 3,167 |
| Tier 1 risk-based capital ratio | 17.6507% | 1,965 |
| Total risk-based capital ratio | 18.7153% | 1,980 |
| Memoranda: | ||
| Average total assets | $408,522,600 | 1,651 |
| Average earning assets | $373,367,800 | 1,668 |
| Average equity | $44,672,200 | 1,670 |
| Average total loans | $235,585,200 | 1,867 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5740% | 4,623 |
| Cost of funding earning assets | 0.2932% | 4,178 |
| Net interest margin | 3.2807% | 4,249 |
| Noninterest income to average assets | 1.2374% | 756 |
| Noninterest expense to average assets | 3.1759% | 1,838 |
| Loan and lease loss provision to assets | 0.0898% | 2,430 |
| Net operating income to assets | 0.6756% | 3,983 |
| Return on assets (ROA) | 0.6861% | 4,059 |
| Pretax return on assets | 0.9836% | 3,689 |
| Return on Equity (ROE) | 6.2962% | 3,930 |
| Retained earnings to average equity (ytd only) | 1.8160% | 4,776 |
| Net charge-offs to loans | 0.1549% | 1,453 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 11.7826% | 2,449 |
| Efficiency ratio | 75.0038% | 2,108 |
| Assets per employee ($millions) | 2.9681% | 5,413 |
| Cash dividends to net income (ytd only)* | 71.1574% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 1,922 |
| Loan loss allowance to noncurrent loans | 66.4795% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 2.3841% | 589 |
| Noncurrent loans to loans | 2.1987% | 850 |
| Net loans and leases to total assets | 58.0391% | 4,090 |
| Net loans and leases to deposits | 67.4998% | 4,205 |
| Net loans and leases to core deposits | 70.3801% | 4,294 |
| Total domestic deposits to total assets | 85.9841% | 2,359 |
| Equity capital to assets | 10.9117% | 3,113 |
| Core capital (leverage) ratio | 11.0186% | 2,433 |
| Tier 1 risk-based capital ratio | 17.9368% | 1,944 |
| Total risk-based capital ratio | 19.1890% | 1,905 |
| Memoranda: | ||
| Average total assets | $409,653,250 | 1,650 |
| Average earning assets | $374,217,000 | 1,662 |
| Average equity | $44,639,750 | 1,678 |
| Average total loans | $237,512,750 | 1,862 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5779% | 4,660 |
| Cost of funding earning assets | 0.2917% | 4,230 |
| Net interest margin | 3.2861% | 4,274 |
| Noninterest income to average assets | 1.2107% | 769 |
| Noninterest expense to average assets | 3.1854% | 1,846 |
| Loan and lease loss provision to assets | 0.0499% | 3,152 |
| Net operating income to assets | 0.6826% | 3,887 |
| Return on assets (ROA) | 0.6983% | 3,955 |
| Pretax return on assets | 1.0022% | 3,575 |
| Return on Equity (ROE) | 6.4115% | 3,847 |
| Retained earnings to average equity (ytd only) | 1.9185% | 4,598 |
| Net charge-offs to loans | 0.0866% | 1,976 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 20.6275% | 1,718 |
| Efficiency ratio | 75.5718% | 2,141 |
| Assets per employee ($millions) | 2.8665% | 5,556 |
| Cash dividends to net income (ytd only)* | 70.0771% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 2,032 |
| Loan loss allowance to noncurrent loans | 58.4211% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 2.5739% | 522 |
| Noncurrent loans to loans | 2.4964% | 702 |
| Net loans and leases to total assets | 58.5491% | 4,065 |
| Net loans and leases to deposits | 68.1903% | 4,163 |
| Net loans and leases to core deposits | 70.9014% | 4,259 |
| Total domestic deposits to total assets | 85.8612% | 2,484 |
| Equity capital to assets | 10.9593% | 3,102 |
| Core capital (leverage) ratio | 10.9693% | 2,464 |
| Tier 1 risk-based capital ratio | 17.8110% | 1,988 |
| Total risk-based capital ratio | 19.0630% | 1,947 |
| Memoranda: | ||
| Average total assets | $408,682,000 | 1,657 |
| Average earning assets | $373,632,000 | 1,671 |
| Average equity | $44,513,670 | 1,688 |
| Average total loans | $235,683,000 | 1,877 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5382% | 4,790 |
| Cost of funding earning assets | 0.2944% | 4,220 |
| Net interest margin | 3.2438% | 4,421 |
| Noninterest income to average assets | 1.1782% | 791 |
| Noninterest expense to average assets | 3.1995% | 1,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6605% | 3,929 |
| Return on assets (ROA) | 0.6920% | 3,864 |
| Pretax return on assets | 0.9940% | 3,505 |
| Return on Equity (ROE) | 6.3735% | 3,792 |
| Retained earnings to average equity (ytd only) | 1.8597% | 4,515 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1267% | 2,022 |
| Assets per employee ($millions) | 2.8874% | 5,606 |
| Cash dividends to net income (ytd only)* | 70.8215% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,788 |
| Loan loss allowance to noncurrent loans | 56.2381% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.6726% | 528 |
| Noncurrent loans to loans | 2.7549% | 635 |
| Net loans and leases to total assets | 55.0495% | 4,349 |
| Net loans and leases to deposits | 64.3713% | 4,408 |
| Net loans and leases to core deposits | 67.2694% | 4,452 |
| Total domestic deposits to total assets | 85.5187% | 2,910 |
| Equity capital to assets | 10.8817% | 3,067 |
| Core capital (leverage) ratio | 11.0085% | 2,402 |
| Tier 1 risk-based capital ratio | 18.4405% | 1,870 |
| Total risk-based capital ratio | 19.6931% | 1,829 |
| Memoranda: | ||
| Average total assets | $408,065,000 | 1,656 |
| Average earning assets | $373,641,500 | 1,665 |
| Average equity | $44,308,500 | 1,694 |
| Average total loans | $231,747,500 | 1,903 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7652% | 4,149 |
| Cost of funding earning assets | 0.3037% | 4,204 |
| Net interest margin | 3.4615% | 3,671 |
| Noninterest income to average assets | 1.0905% | 988 |
| Noninterest expense to average assets | 3.3029% | 1,710 |
| Loan and lease loss provision to assets | 0.0695% | 2,894 |
| Net operating income to assets | 0.5941% | 4,298 |
| Return on assets (ROA) | 0.6009% | 4,366 |
| Pretax return on assets | 0.8726% | 3,946 |
| Return on Equity (ROE) | 5.5604% | 4,257 |
| Retained earnings to average equity (ytd only) | 1.3549% | 4,953 |
| Net charge-offs to loans | 0.0646% | 2,933 |
| Credit loss provision to net charge-offs | 184.9673% | 1,483 |
| Earnings coverage of net charge-offs (x) | 24.8039% | 1,652 |
| Efficiency ratio | 77.9872% | 1,971 |
| Assets per employee ($millions) | 2.8803% | 5,633 |
| Cash dividends to net income (ytd only)* | 75.6337% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 1,925 |
| Loan loss allowance to noncurrent loans | 60.9785% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 2.6406% | 566 |
| Noncurrent loans to loans | 2.4868% | 741 |
| Net loans and leases to total assets | 56.8016% | 4,220 |
| Net loans and leases to deposits | 65.7450% | 4,335 |
| Net loans and leases to core deposits | 68.7091% | 4,397 |
| Total domestic deposits to total assets | 86.3968% | 2,433 |
| Equity capital to assets | 10.8345% | 2,993 |
| Core capital (leverage) ratio | 10.9400% | 2,460 |
| Tier 1 risk-based capital ratio | 18.0573% | 1,952 |
| Total risk-based capital ratio | 19.3096% | 1,906 |
| Memoranda: | ||
| Average total assets | $407,068,800 | 1,624 |
| Average earning assets | $369,809,600 | 1,644 |
| Average equity | $43,990,000 | 1,675 |
| Average total loans | $236,692,600 | 1,826 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 4,014 |
| Cost of funding earning assets | 0.3044% | 4,284 |
| Net interest margin | 3.5208% | 3,463 |
| Noninterest income to average assets | 1.2711% | 745 |
| Noninterest expense to average assets | 3.5046% | 1,276 |
| Loan and lease loss provision to assets | -0.0419% | 5,898 |
| Net operating income to assets | 0.6756% | 4,007 |
| Return on assets (ROA) | 0.6756% | 4,118 |
| Pretax return on assets | 1.0004% | 3,614 |
| Return on Equity (ROE) | 6.2562% | 4,025 |
| Retained earnings to average equity (ytd only) | 2.1642% | 4,802 |
| Net charge-offs to loans | 0.0096% | 3,834 |
| Credit loss provision to net charge-offs | -752.9412% | 5,444 |
| Earnings coverage of net charge-offs (x) | 172.2056% | 416 |
| Efficiency ratio | 78.5243% | 1,887 |
| Assets per employee ($millions) | 2.8255% | 5,734 |
| Cash dividends to net income (ytd only)* | 65.4072% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 2,616 |
| Loan loss allowance to noncurrent loans | 54.6258% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 2.5836% | 649 |
| Noncurrent loans to loans | 2.5580% | 787 |
| Net loans and leases to total assets | 56.4413% | 4,299 |
| Net loans and leases to deposits | 65.2969% | 4,445 |
| Net loans and leases to core deposits | 68.2038% | 4,525 |
| Total domestic deposits to total assets | 86.4381% | 2,312 |
| Equity capital to assets | 10.9058% | 3,122 |
| Core capital (leverage) ratio | 10.8588% | 2,635 |
| Tier 1 risk-based capital ratio | 18.9173% | 1,792 |
| Total risk-based capital ratio | 20.1691% | 1,761 |
| Memoranda: | ||
| Average total assets | $407,306,250 | 1,633 |
| Average earning assets | $369,268,000 | 1,659 |
| Average equity | $43,987,250 | 1,684 |
| Average total loans | $237,307,250 | 1,822 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 4,486 |
| Cost of funding earning assets | 0.3044% | 4,353 |
| Net interest margin | 3.3711% | 4,010 |
| Noninterest income to average assets | 1.1887% | 860 |
| Noninterest expense to average assets | 3.6147% | 1,100 |
| Loan and lease loss provision to assets | -0.1486% | 6,131 |
| Net operating income to assets | 0.5294% | 4,652 |
| Return on assets (ROA) | 0.5294% | 4,759 |
| Pretax return on assets | 0.7685% | 4,424 |
| Return on Equity (ROE) | 4.9182% | 4,657 |
| Retained earnings to average equity (ytd only) | 0.5759% | 5,326 |
| Net charge-offs to loans | 0.0361% | 2,954 |
| Credit loss provision to net charge-offs | -702.3256% | 5,289 |
| Earnings coverage of net charge-offs (x) | 29.3023% | 1,380 |
| Efficiency ratio | 85.3608% | 1,112 |
| Assets per employee ($millions) | 2.8408% | 5,774 |
| Cash dividends to net income (ytd only)* | 88.2900% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 3,223 |
| Loan loss allowance to noncurrent loans | 66.5010% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 3.1615% | 501 |
| Noncurrent loans to loans | 1.9610% | 1,261 |
| Net loans and leases to total assets | 57.3266% | 4,180 |
| Net loans and leases to deposits | 66.1653% | 4,327 |
| Net loans and leases to core deposits | 69.0748% | 4,407 |
| Total domestic deposits to total assets | 86.6416% | 2,353 |
| Equity capital to assets | 10.7887% | 3,126 |
| Core capital (leverage) ratio | 10.7229% | 2,705 |
| Tier 1 risk-based capital ratio | 18.4308% | 1,935 |
| Total risk-based capital ratio | 19.6815% | 1,905 |
| Memoranda: | ||
| Average total assets | $406,509,000 | 1,641 |
| Average earning assets | $367,299,330 | 1,671 |
| Average equity | $43,756,000 | 1,703 |
| Average total loans | $238,237,670 | 1,820 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7002% | 4,363 |
| Cost of funding earning assets | 0.3039% | 4,401 |
| Net interest margin | 3.3963% | 3,857 |
| Noninterest income to average assets | 1.2119% | 773 |
| Noninterest expense to average assets | 3.9317% | 739 |
| Loan and lease loss provision to assets | -0.3207% | 6,314 |
| Net operating income to assets | 0.4584% | 4,836 |
| Return on assets (ROA) | 0.4584% | 4,955 |
| Pretax return on assets | 0.6679% | 4,702 |
| Return on Equity (ROE) | 4.2634% | 4,860 |
| Retained earnings to average equity (ytd only) | 0.1464% | 5,324 |
| Net charge-offs to loans | 0.0317% | 2,550 |
| Credit loss provision to net charge-offs | -1,715.7895% | 5,112 |
| Earnings coverage of net charge-offs (x) | 18.5789% | 1,482 |
| Efficiency ratio | 91.8851% | 721 |
| Assets per employee ($millions) | 2.8427% | 5,837 |
| Cash dividends to net income (ytd only)* | 96.5665% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 3,472 |
| Loan loss allowance to noncurrent loans | 125.6944% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 2.6228% | 793 |
| Noncurrent loans to loans | 1.0243% | 2,715 |
| Net loans and leases to total assets | 57.2343% | 4,062 |
| Net loans and leases to deposits | 66.7128% | 4,081 |
| Net loans and leases to core deposits | 69.7046% | 4,187 |
| Total domestic deposits to total assets | 85.7922% | 3,043 |
| Equity capital to assets | 10.6541% | 3,369 |
| Core capital (leverage) ratio | 10.6750% | 2,773 |
| Tier 1 risk-based capital ratio | 16.2644% | 2,791 |
| Total risk-based capital ratio | 17.4117% | 2,780 |
| Memoranda: | ||
| Average total assets | $406,648,500 | 1,649 |
| Average earning assets | $367,220,000 | 1,680 |
| Average equity | $43,720,500 | 1,703 |
| Average total loans | $239,379,000 | 1,820 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 4,715 |
| Cost of funding earning assets | 0.2966% | 4,825 |
| Net interest margin | 3.4282% | 4,074 |
| Noninterest income to average assets | 1.3045% | 718 |
| Noninterest expense to average assets | 3.3242% | 1,868 |
| Loan and lease loss provision to assets | -0.0767% | 6,100 |
| Net operating income to assets | 0.7922% | 3,413 |
| Return on assets (ROA) | 0.7922% | 3,508 |
| Pretax return on assets | 1.1588% | 2,828 |
| Return on Equity (ROE) | 7.5418% | 3,355 |
| Retained earnings to average equity (ytd only) | 3.8700% | 3,465 |
| Net charge-offs to loans | 0.3655% | 1,190 |
| Credit loss provision to net charge-offs | -35.9770% | 5,390 |
| Earnings coverage of net charge-offs (x) | 5.0793% | 3,505 |
| Efficiency ratio | 75.4404% | 2,607 |
| Assets per employee ($millions) | 2.7663% | 5,963 |
| Cash dividends to net income (ytd only)* | 48.6862% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 2,813 |
| Loan loss allowance to noncurrent loans | 118.6958% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 3.0069% | 667 |
| Noncurrent loans to loans | 1.2024% | 2,444 |
| Net loans and leases to total assets | 58.9231% | 3,929 |
| Net loans and leases to deposits | 68.5878% | 4,065 |
| Net loans and leases to core deposits | 71.8303% | 4,142 |
| Total domestic deposits to total assets | 85.9091% | 2,891 |
| Equity capital to assets | 10.8514% | 3,057 |
| Core capital (leverage) ratio | 10.8556% | 2,551 |
| Tier 1 risk-based capital ratio | 17.7202% | 2,228 |
| Total risk-based capital ratio | 18.9719% | 2,195 |
| Memoranda: | ||
| Average total assets | $408,343,800 | 1,617 |
| Average earning assets | $369,466,200 | 1,633 |
| Average equity | $42,894,200 | 1,679 |
| Average total loans | $238,026,000 | 1,777 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7150% | 4,813 |
| Cost of funding earning assets | 0.2930% | 4,949 |
| Net interest margin | 3.4220% | 4,139 |
| Noninterest income to average assets | 1.2840% | 739 |
| Noninterest expense to average assets | 3.2927% | 1,914 |
| Loan and lease loss provision to assets | -0.0312% | 6,131 |
| Net operating income to assets | 0.7698% | 3,566 |
| Return on assets (ROA) | 0.7698% | 3,674 |
| Pretax return on assets | 1.1202% | 3,104 |
| Return on Equity (ROE) | 7.3878% | 3,502 |
| Retained earnings to average equity (ytd only) | 3.7220% | 3,992 |
| Net charge-offs to loans | 0.6100% | 603 |
| Credit loss provision to net charge-offs | -8.8316% | 5,239 |
| Earnings coverage of net charge-offs (x) | 3.0819% | 3,743 |
| Efficiency ratio | 75.1465% | 2,641 |
| Assets per employee ($millions) | 2.7431% | 6,033 |
| Cash dividends to net income (ytd only)* | 49.6201% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 2,907 |
| Loan loss allowance to noncurrent loans | 101.1229% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 3.0691% | 761 |
| Noncurrent loans to loans | 1.4416% | 2,262 |
| Net loans and leases to total assets | 56.5961% | 4,255 |
| Net loans and leases to deposits | 65.8405% | 4,344 |
| Net loans and leases to core deposits | 69.0895% | 4,408 |
| Total domestic deposits to total assets | 85.9595% | 2,862 |
| Equity capital to assets | 10.6872% | 3,321 |
| Core capital (leverage) ratio | 10.6807% | 2,835 |
| Tier 1 risk-based capital ratio | 17.8048% | 2,271 |
| Total risk-based capital ratio | 19.0567% | 2,238 |
| Memoranda: | ||
| Average total assets | $410,152,500 | 1,624 |
| Average earning assets | $371,278,500 | 1,639 |
| Average equity | $42,736,250 | 1,694 |
| Average total loans | $237,590,500 | 1,783 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6983% | 4,870 |
| Cost of funding earning assets | 0.2915% | 5,057 |
| Net interest margin | 3.4068% | 4,143 |
| Noninterest income to average assets | 1.2571% | 739 |
| Noninterest expense to average assets | 3.3373% | 1,826 |
| Loan and lease loss provision to assets | -0.0804% | 6,352 |
| Net operating income to assets | 0.7462% | 3,588 |
| Return on assets (ROA) | 0.7462% | 3,692 |
| Pretax return on assets | 1.0852% | 3,155 |
| Return on Equity (ROE) | 7.2228% | 3,502 |
| Retained earnings to average equity (ytd only) | 3.4511% | 4,005 |
| Net charge-offs to loans | 0.8535% | 439 |
| Credit loss provision to net charge-offs | -16.2083% | 5,095 |
| Earnings coverage of net charge-offs (x) | 2.0265% | 3,666 |
| Efficiency ratio | 76.8592% | 2,479 |
| Assets per employee ($millions) | 2.7178% | 6,116 |
| Cash dividends to net income (ytd only)* | 52.2193% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4339% | 3,172 |
| Loan loss allowance to noncurrent loans | 87.3628% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 3.0966% | 820 |
| Noncurrent loans to loans | 1.6413% | 2,121 |
| Net loans and leases to total assets | 57.3196% | 4,076 |
| Net loans and leases to deposits | 66.2191% | 4,248 |
| Net loans and leases to core deposits | 69.5301% | 4,318 |
| Total domestic deposits to total assets | 86.5605% | 2,726 |
| Equity capital to assets | 10.5639% | 3,360 |
| Core capital (leverage) ratio | 10.5734% | 2,856 |
| Tier 1 risk-based capital ratio | 17.2524% | 2,516 |
| Total risk-based capital ratio | 18.5040% | 2,477 |
| Memoranda: | ||
| Average total assets | $410,628,670 | 1,621 |
| Average earning assets | $371,847,330 | 1,632 |
| Average equity | $42,421,330 | 1,687 |
| Average total loans | $238,539,330 | 1,766 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 5,005 |
| Cost of funding earning assets | 0.2896% | 5,174 |
| Net interest margin | 3.3596% | 4,293 |
| Noninterest income to average assets | 1.2319% | 726 |
| Noninterest expense to average assets | 3.5175% | 1,454 |
| Loan and lease loss provision to assets | -0.2045% | 6,568 |
| Net operating income to assets | 0.6710% | 3,838 |
| Return on assets (ROA) | 0.6710% | 3,922 |
| Pretax return on assets | 0.9690% | 3,443 |
| Return on Equity (ROE) | 6.5689% | 3,702 |
| Retained earnings to average equity (ytd only) | 2.2786% | 4,691 |
| Net charge-offs to loans | 0.9611% | 355 |
| Credit loss provision to net charge-offs | -36.6492% | 4,723 |
| Earnings coverage of net charge-offs (x) | 1.3700% | 3,114 |
| Efficiency ratio | 82.1469% | 1,910 |
| Assets per employee ($millions) | 2.7287% | 6,173 |
| Cash dividends to net income (ytd only)* | 65.3120% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 2,675 |
| Loan loss allowance to noncurrent loans | 118.4749% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 2.9330% | 988 |
| Noncurrent loans to loans | 1.3552% | 2,773 |
| Net loans and leases to total assets | 57.2244% | 3,966 |
| Net loans and leases to deposits | 65.8876% | 4,111 |
| Net loans and leases to core deposits | 69.2505% | 4,177 |
| Total domestic deposits to total assets | 86.8515% | 2,911 |
| Equity capital to assets | 10.3392% | 3,412 |
| Core capital (leverage) ratio | 10.3768% | 3,083 |
| Tier 1 risk-based capital ratio | 17.0812% | 2,652 |
| Total risk-based capital ratio | 18.3348% | 2,600 |
| Memoranda: | ||
| Average total assets | $410,749,500 | 1,634 |
| Average earning assets | $372,896,500 | 1,635 |
| Average equity | $41,955,500 | 1,703 |
| Average total loans | $238,482,000 | 1,770 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6232% | 5,350 |
| Cost of funding earning assets | 0.3023% | 5,576 |
| Net interest margin | 3.3210% | 4,585 |
| Noninterest income to average assets | 1.3274% | 785 |
| Noninterest expense to average assets | 3.2226% | 2,350 |
| Loan and lease loss provision to assets | 0.0181% | 4,766 |
| Net operating income to assets | 0.7624% | 3,487 |
| Return on assets (ROA) | 0.7624% | 3,583 |
| Pretax return on assets | 1.1084% | 2,920 |
| Return on Equity (ROE) | 7.7319% | 3,179 |
| Retained earnings to average equity (ytd only) | 4.1807% | 3,201 |
| Net charge-offs to loans | 0.0944% | 3,900 |
| Credit loss provision to net charge-offs | 33.3333% | 4,174 |
| Earnings coverage of net charge-offs (x) | 20.7333% | 1,530 |
| Efficiency ratio | 74.0977% | 3,116 |
| Assets per employee ($millions) | 2.6593% | 6,262 |
| Cash dividends to net income (ytd only)* | 45.9297% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9274% | 1,718 |
| Loan loss allowance to noncurrent loans | 53.8596% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 3.1636% | 973 |
| Noncurrent loans to loans | 3.5786% | 862 |
| Net loans and leases to total assets | 56.8457% | 4,208 |
| Net loans and leases to deposits | 65.4149% | 4,363 |
| Net loans and leases to core deposits | 69.4253% | 4,355 |
| Total domestic deposits to total assets | 86.9002% | 2,780 |
| Equity capital to assets | 10.0905% | 3,645 |
| Core capital (leverage) ratio | 10.1668% | 3,340 |
| Tier 1 risk-based capital ratio | 17.3063% | 2,489 |
| Total risk-based capital ratio | 18.5644% | 2,461 |
| Memoranda: | ||
| Average total assets | $414,107,200 | 1,593 |
| Average earning assets | $376,789,600 | 1,602 |
| Average equity | $40,830,600 | 1,713 |
| Average total loans | $238,451,000 | 1,738 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5887% | 5,472 |
| Cost of funding earning assets | 0.3206% | 5,546 |
| Net interest margin | 3.2681% | 4,758 |
| Noninterest income to average assets | 1.3481% | 802 |
| Noninterest expense to average assets | 3.1790% | 2,422 |
| Loan and lease loss provision to assets | 0.0238% | 4,532 |
| Net operating income to assets | 0.7680% | 3,521 |
| Return on assets (ROA) | 0.7680% | 3,648 |
| Pretax return on assets | 1.1156% | 3,044 |
| Return on Equity (ROE) | 7.8344% | 3,208 |
| Retained earnings to average equity (ytd only) | 4.2256% | 3,679 |
| Net charge-offs to loans | 0.1253% | 3,277 |
| Credit loss provision to net charge-offs | 33.0357% | 3,839 |
| Earnings coverage of net charge-offs (x) | 15.8169% | 1,838 |
| Efficiency ratio | 73.6148% | 3,120 |
| Assets per employee ($millions) | 2.6896% | 6,284 |
| Cash dividends to net income (ytd only)* | 46.0637% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 2,063 |
| Loan loss allowance to noncurrent loans | 46.4448% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 3.4414% | 993 |
| Noncurrent loans to loans | 4.0462% | 854 |
| Net loans and leases to total assets | 57.6752% | 4,063 |
| Net loans and leases to deposits | 66.5589% | 4,232 |
| Net loans and leases to core deposits | 70.4706% | 4,271 |
| Total domestic deposits to total assets | 86.6528% | 2,884 |
| Equity capital to assets | 9.7692% | 4,221 |
| Core capital (leverage) ratio | 10.0840% | 3,552 |
| Tier 1 risk-based capital ratio | 16.5260% | 2,922 |
| Total risk-based capital ratio | 17.7832% | 2,889 |
| Memoranda: | ||
| Average total assets | $414,586,250 | 1,599 |
| Average earning assets | $376,799,750 | 1,611 |
| Average equity | $40,640,250 | 1,732 |
| Average total loans | $238,334,250 | 1,741 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5611% | 5,558 |
| Cost of funding earning assets | 0.3221% | 5,646 |
| Net interest margin | 3.2390% | 4,807 |
| Noninterest income to average assets | 1.3460% | 863 |
| Noninterest expense to average assets | 3.1879% | 2,389 |
| Loan and lease loss provision to assets | 0.0420% | 4,114 |
| Net operating income to assets | 0.7312% | 3,666 |
| Return on assets (ROA) | 0.7312% | 3,824 |
| Pretax return on assets | 1.0613% | 3,255 |
| Return on Equity (ROE) | 7.4511% | 3,365 |
| Retained earnings to average equity (ytd only) | 3.7576% | 3,909 |
| Net charge-offs to loans | 0.2008% | 2,558 |
| Credit loss provision to net charge-offs | 36.7089% | 3,476 |
| Earnings coverage of net charge-offs (x) | 9.6329% | 2,253 |
| Efficiency ratio | 74.2876% | 3,079 |
| Assets per employee ($millions) | 2.7482% | 6,226 |
| Cash dividends to net income (ytd only)* | 49.5704% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9328% | 2,012 |
| Loan loss allowance to noncurrent loans | 47.2599% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 3.4313% | 1,131 |
| Noncurrent loans to loans | 4.0896% | 940 |
| Net loans and leases to total assets | 56.6800% | 4,180 |
| Net loans and leases to deposits | 65.9114% | 4,274 |
| Net loans and leases to core deposits | 69.2519% | 4,357 |
| Total domestic deposits to total assets | 85.9942% | 3,371 |
| Equity capital to assets | 9.7160% | 4,283 |
| Core capital (leverage) ratio | 9.8507% | 3,716 |
| Tier 1 risk-based capital ratio | 16.6309% | 2,876 |
| Total risk-based capital ratio | 17.8884% | 2,839 |
| Memoranda: | ||
| Average total assets | $413,818,330 | 1,604 |
| Average earning assets | $376,288,330 | 1,613 |
| Average equity | $40,611,330 | 1,734 |
| Average total loans | $236,096,670 | 1,743 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 5,576 |
| Cost of funding earning assets | 0.3259% | 5,754 |
| Net interest margin | 3.2250% | 4,826 |
| Noninterest income to average assets | 1.3680% | 824 |
| Noninterest expense to average assets | 3.2397% | 2,236 |
| Loan and lease loss provision to assets | 0.0656% | 3,537 |
| Net operating income to assets | 0.6917% | 3,732 |
| Return on assets (ROA) | 0.6917% | 3,877 |
| Pretax return on assets | 0.9937% | 3,380 |
| Return on Equity (ROE) | 7.0139% | 3,477 |
| Retained earnings to average equity (ytd only) | 3.1010% | 4,420 |
| Net charge-offs to loans | 0.1157% | 2,736 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 16.1471% | 1,373 |
| Efficiency ratio | 75.3591% | 3,033 |
| Assets per employee ($millions) | 2.8679% | 6,188 |
| Cash dividends to net income (ytd only)* | 55.7880% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0234% | 1,981 |
| Loan loss allowance to noncurrent loans | 54.4736% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 3.1384% | 1,401 |
| Noncurrent loans to loans | 3.7144% | 1,270 |
| Net loans and leases to total assets | 54.9885% | 4,241 |
| Net loans and leases to deposits | 64.4723% | 4,259 |
| Net loans and leases to core deposits | 67.8147% | 4,324 |
| Total domestic deposits to total assets | 85.2902% | 3,907 |
| Equity capital to assets | 9.7927% | 4,433 |
| Core capital (leverage) ratio | 9.7703% | 3,697 |
| Tier 1 risk-based capital ratio | 16.6848% | 2,911 |
| Total risk-based capital ratio | 17.9436% | 2,879 |
| Memoranda: | ||
| Average total assets | $414,609,000 | 1,615 |
| Average earning assets | $376,801,500 | 1,622 |
| Average equity | $40,890,500 | 1,748 |
| Average total loans | $235,014,500 | 1,760 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 5,926 |
| Cost of funding earning assets | 0.4152% | 5,817 |
| Net interest margin | 3.3452% | 5,086 |
| Noninterest income to average assets | 1.2984% | 909 |
| Noninterest expense to average assets | 3.2348% | 2,505 |
| Loan and lease loss provision to assets | 0.2115% | 3,030 |
| Net operating income to assets | 0.6565% | 3,956 |
| Return on assets (ROA) | 0.7249% | 3,870 |
| Pretax return on assets | 0.9942% | 3,565 |
| Return on Equity (ROE) | 7.5151% | 3,334 |
| Retained earnings to average equity (ytd only) | 4.1701% | 3,294 |
| Net charge-offs to loans | 0.4294% | 2,518 |
| Credit loss provision to net charge-offs | 85.5072% | 3,651 |
| Earnings coverage of net charge-offs (x) | 4.4957% | 3,347 |
| Efficiency ratio | 74.4172% | 3,003 |
| Assets per employee ($millions) | 2.8116% | 6,297 |
| Cash dividends to net income (ytd only)* | 44.5104% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 1,962 |
| Loan loss allowance to noncurrent loans | 51.4221% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 3.3849% | 1,358 |
| Noncurrent loans to loans | 3.9345% | 1,210 |
| Net loans and leases to total assets | 56.0955% | 4,274 |
| Net loans and leases to deposits | 65.5330% | 4,353 |
| Net loans and leases to core deposits | 69.6955% | 4,356 |
| Total domestic deposits to total assets | 85.5990% | 3,560 |
| Equity capital to assets | 9.9335% | 4,262 |
| Core capital (leverage) ratio | 9.8370% | 3,619 |
| Tier 1 risk-based capital ratio | 16.6729% | 2,805 |
| Total risk-based capital ratio | 17.9320% | 2,777 |
| Memoranda: | ||
| Average total assets | $418,423,600 | 1,569 |
| Average earning assets | $381,289,000 | 1,571 |
| Average equity | $40,358,800 | 1,728 |
| Average total loans | $241,049,000 | 1,712 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 6,056 |
| Cost of funding earning assets | 0.4430% | 5,848 |
| Net interest margin | 3.3417% | 5,240 |
| Noninterest income to average assets | 1.2600% | 944 |
| Noninterest expense to average assets | 3.1512% | 2,713 |
| Loan and lease loss provision to assets | 0.3003% | 2,198 |
| Net operating income to assets | 0.6254% | 4,265 |
| Return on assets (ROA) | 0.7161% | 4,089 |
| Pretax return on assets | 0.9809% | 3,786 |
| Return on Equity (ROE) | 7.4789% | 3,538 |
| Retained earnings to average equity (ytd only) | 4.1667% | 3,964 |
| Net charge-offs to loans | 0.4931% | 2,135 |
| Credit loss provision to net charge-offs | 105.5741% | 2,783 |
| Earnings coverage of net charge-offs (x) | 4.0669% | 3,414 |
| Efficiency ratio | 73.1449% | 3,126 |
| Assets per employee ($millions) | 2.8524% | 6,288 |
| Cash dividends to net income (ytd only)* | 44.2870% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0854% | 1,941 |
| Loan loss allowance to noncurrent loans | 48.5784% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 3.3346% | 1,522 |
| Noncurrent loans to loans | 4.2929% | 1,135 |
| Net loans and leases to total assets | 55.8639% | 4,478 |
| Net loans and leases to deposits | 65.3518% | 4,553 |
| Net loans and leases to core deposits | 68.6929% | 4,651 |
| Total domestic deposits to total assets | 85.4818% | 3,517 |
| Equity capital to assets | 9.8298% | 4,738 |
| Core capital (leverage) ratio | 9.5275% | 4,228 |
| Tier 1 risk-based capital ratio | 16.3358% | 3,094 |
| Total risk-based capital ratio | 17.5955% | 3,053 |
| Memoranda: | ||
| Average total assets | $420,405,000 | 1,581 |
| Average earning assets | $383,469,000 | 1,580 |
| Average equity | $40,254,250 | 1,748 |
| Average total loans | $242,554,750 | 1,711 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8125% | 6,111 |
| Cost of funding earning assets | 0.4729% | 5,808 |
| Net interest margin | 3.3396% | 5,306 |
| Noninterest income to average assets | 1.2311% | 940 |
| Noninterest expense to average assets | 3.1281% | 2,822 |
| Loan and lease loss provision to assets | 0.2404% | 2,659 |
| Net operating income to assets | 0.6509% | 4,108 |
| Return on assets (ROA) | 0.7465% | 3,900 |
| Pretax return on assets | 1.0433% | 3,546 |
| Return on Equity (ROE) | 7.8648% | 3,314 |
| Retained earnings to average equity (ytd only) | 4.6169% | 3,540 |
| Net charge-offs to loans | 0.4152% | 2,377 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 4.7870% | 2,986 |
| Efficiency ratio | 73.1021% | 3,225 |
| Assets per employee ($millions) | 2.8991% | 6,239 |
| Cash dividends to net income (ytd only)* | 41.2961% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 2,134 |
| Loan loss allowance to noncurrent loans | 43.4225% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 3.3028% | 1,638 |
| Noncurrent loans to loans | 4.6939% | 1,103 |
| Net loans and leases to total assets | 55.6963% | 4,515 |
| Net loans and leases to deposits | 66.1504% | 4,494 |
| Net loans and leases to core deposits | 69.4950% | 4,595 |
| Total domestic deposits to total assets | 84.1965% | 4,233 |
| Equity capital to assets | 9.5643% | 4,959 |
| Core capital (leverage) ratio | 9.3553% | 4,362 |
| Tier 1 risk-based capital ratio | 15.8938% | 3,212 |
| Total risk-based capital ratio | 17.1528% | 3,183 |
| Memoranda: | ||
| Average total assets | $421,721,000 | 1,574 |
| Average earning assets | $384,891,670 | 1,574 |
| Average equity | $40,026,670 | 1,744 |
| Average total loans | $244,205,000 | 1,696 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8279% | 6,191 |
| Cost of funding earning assets | 0.4981% | 5,832 |
| Net interest margin | 3.3298% | 5,365 |
| Noninterest income to average assets | 1.2486% | 905 |
| Noninterest expense to average assets | 3.0028% | 3,236 |
| Loan and lease loss provision to assets | 0.3459% | 1,808 |
| Net operating income to assets | 0.6927% | 3,921 |
| Return on assets (ROA) | 0.6927% | 4,142 |
| Pretax return on assets | 0.9426% | 3,893 |
| Return on Equity (ROE) | 7.3269% | 3,593 |
| Retained earnings to average equity (ytd only) | 4.3117% | 4,002 |
| Net charge-offs to loans | 0.5919% | 1,615 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 3.7253% | 2,769 |
| Efficiency ratio | 69.9734% | 3,812 |
| Assets per employee ($millions) | 2.9070% | 6,336 |
| Cash dividends to net income (ytd only)* | 41.1523% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0136% | 2,318 |
| Loan loss allowance to noncurrent loans | 35.2675% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 3.6978% | 1,530 |
| Noncurrent loans to loans | 5.7095% | 912 |
| Net loans and leases to total assets | 56.2398% | 4,339 |
| Net loans and leases to deposits | 66.8453% | 4,253 |
| Net loans and leases to core deposits | 70.5924% | 4,337 |
| Total domestic deposits to total assets | 84.1342% | 4,427 |
| Equity capital to assets | 9.4229% | 4,917 |
| Core capital (leverage) ratio | 9.2273% | 4,471 |
| Tier 1 risk-based capital ratio | 15.3336% | 3,540 |
| Total risk-based capital ratio | 16.5922% | 3,494 |
| Memoranda: | ||
| Average total assets | $420,944,500 | 1,582 |
| Average earning assets | $384,650,500 | 1,577 |
| Average equity | $39,798,500 | 1,746 |
| Average total loans | $245,981,000 | 1,682 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 6,068 |
| Cost of funding earning assets | 0.6381% | 5,882 |
| Net interest margin | 3.5565% | 4,904 |
| Noninterest income to average assets | 1.4832% | 593 |
| Noninterest expense to average assets | 3.3195% | 2,460 |
| Loan and lease loss provision to assets | 0.7805% | 1,275 |
| Net operating income to assets | 0.4489% | 4,648 |
| Return on assets (ROA) | 0.5573% | 4,387 |
| Pretax return on assets | 0.7817% | 4,047 |
| Return on Equity (ROE) | 5.8797% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.1010% | 3,272 |
| Net charge-offs to loans | 1.6387% | 958 |
| Credit loss provision to net charge-offs | 76.9651% | 4,598 |
| Earnings coverage of net charge-offs (x) | 1.3899% | 4,724 |
| Efficiency ratio | 70.1940% | 3,905 |
| Assets per employee ($millions) | 2.8594% | 6,360 |
| Cash dividends to net income (ytd only)* | 30.2506% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9749% | 2,353 |
| Loan loss allowance to noncurrent loans | 33.4630% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 3.7935% | 1,525 |
| Noncurrent loans to loans | 5.9018% | 854 |
| Net loans and leases to total assets | 58.3179% | 4,313 |
| Net loans and leases to deposits | 68.9428% | 4,284 |
| Net loans and leases to core deposits | 73.3936% | 4,325 |
| Total domestic deposits to total assets | 84.5887% | 4,051 |
| Equity capital to assets | 9.4868% | 4,907 |
| Core capital (leverage) ratio | 9.2276% | 4,428 |
| Tier 1 risk-based capital ratio | 14.9966% | 3,643 |
| Total risk-based capital ratio | 16.2551% | 3,594 |
| Memoranda: | ||
| Average total assets | $415,242,000 | 1,566 |
| Average earning assets | $378,964,000 | 1,565 |
| Average equity | $39,356,000 | 1,715 |
| Average total loans | $256,969,400 | 1,640 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 6,135 |
| Cost of funding earning assets | 0.6670% | 5,951 |
| Net interest margin | 3.5638% | 4,922 |
| Noninterest income to average assets | 1.3652% | 703 |
| Noninterest expense to average assets | 3.3374% | 2,383 |
| Loan and lease loss provision to assets | 0.8019% | 1,163 |
| Net operating income to assets | 0.3457% | 5,222 |
| Return on assets (ROA) | 0.4746% | 4,852 |
| Pretax return on assets | 0.6527% | 4,640 |
| Return on Equity (ROE) | 5.0083% | 4,526 |
| Retained earnings to average equity (ytd only) | 3.6510% | 4,156 |
| Net charge-offs to loans | 2.0911% | 592 |
| Credit loss provision to net charge-offs | 61.3681% | 4,766 |
| Earnings coverage of net charge-offs (x) | 0.9781% | 4,898 |
| Efficiency ratio | 72.3093% | 3,488 |
| Assets per employee ($millions) | 2.8099% | 6,470 |
| Cash dividends to net income (ytd only)* | 27.1003% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6917% | 3,304 |
| Loan loss allowance to noncurrent loans | 28.5137% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 4.0626% | 1,506 |
| Noncurrent loans to loans | 5.9328% | 941 |
| Net loans and leases to total assets | 60.1592% | 4,100 |
| Net loans and leases to deposits | 70.3069% | 4,249 |
| Net loans and leases to core deposits | 74.7406% | 4,349 |
| Total domestic deposits to total assets | 85.5666% | 3,458 |
| Equity capital to assets | 9.5899% | 4,947 |
| Core capital (leverage) ratio | 9.0647% | 4,829 |
| Tier 1 risk-based capital ratio | 14.4475% | 4,015 |
| Total risk-based capital ratio | 15.7025% | 3,979 |
| Memoranda: | ||
| Average total assets | $414,684,000 | 1,576 |
| Average earning assets | $378,205,000 | 1,576 |
| Average equity | $39,293,750 | 1,725 |
| Average total loans | $259,120,000 | 1,641 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 6,135 |
| Cost of funding earning assets | 0.6865% | 6,036 |
| Net interest margin | 3.5725% | 4,827 |
| Noninterest income to average assets | 1.3889% | 660 |
| Noninterest expense to average assets | 3.4029% | 2,248 |
| Loan and lease loss provision to assets | 0.6440% | 1,489 |
| Net operating income to assets | 0.4499% | 4,721 |
| Return on assets (ROA) | 0.4499% | 4,859 |
| Pretax return on assets | 0.5976% | 4,745 |
| Return on Equity (ROE) | 4.7675% | 4,560 |
| Retained earnings to average equity (ytd only) | 3.7444% | 3,833 |
| Net charge-offs to loans | 0.2563% | 3,603 |
| Credit loss provision to net charge-offs | 399.4012% | 757 |
| Earnings coverage of net charge-offs (x) | 7.7006% | 2,181 |
| Efficiency ratio | 73.2668% | 3,505 |
| Assets per employee ($millions) | 2.7679% | 6,519 |
| Cash dividends to net income (ytd only)* | 21.4592% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6374% | 1,261 |
| Loan loss allowance to noncurrent loans | 36.1785% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 4.9332% | 1,242 |
| Noncurrent loans to loans | 7.2899% | 684 |
| Net loans and leases to total assets | 61.1285% | 4,069 |
| Net loans and leases to deposits | 71.6774% | 4,167 |
| Net loans and leases to core deposits | 76.2544% | 4,280 |
| Total domestic deposits to total assets | 85.2828% | 3,734 |
| Equity capital to assets | 9.5544% | 4,731 |
| Core capital (leverage) ratio | 8.8903% | 4,895 |
| Tier 1 risk-based capital ratio | 13.7596% | 4,326 |
| Total risk-based capital ratio | 15.0253% | 4,296 |
| Memoranda: | ||
| Average total assets | $414,291,000 | 1,591 |
| Average earning assets | $377,548,000 | 1,591 |
| Average equity | $39,098,000 | 1,718 |
| Average total loans | $260,665,000 | 1,652 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2378% | 6,182 |
| Cost of funding earning assets | 0.7021% | 6,122 |
| Net interest margin | 3.5357% | 4,866 |
| Noninterest income to average assets | 1.4450% | 611 |
| Noninterest expense to average assets | 3.4777% | 2,068 |
| Loan and lease loss provision to assets | 0.0764% | 5,043 |
| Net operating income to assets | 0.7529% | 3,260 |
| Return on assets (ROA) | 0.7529% | 3,324 |
| Pretax return on assets | 1.1135% | 2,710 |
| Return on Equity (ROE) | 8.0283% | 2,895 |
| Retained earnings to average equity (ytd only) | 5.9671% | 2,661 |
| Net charge-offs to loans | 0.1212% | 3,806 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 15.5823% | 1,312 |
| Efficiency ratio | 74.5082% | 3,425 |
| Assets per employee ($millions) | 2.7474% | 6,632 |
| Cash dividends to net income (ytd only)* | 25.6739% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2451% | 1,867 |
| Loan loss allowance to noncurrent loans | 33.0558% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 4.5885% | 1,407 |
| Noncurrent loans to loans | 6.7919% | 837 |
| Net loans and leases to total assets | 60.8550% | 4,104 |
| Net loans and leases to deposits | 70.9330% | 4,203 |
| Net loans and leases to core deposits | 75.6455% | 4,349 |
| Total domestic deposits to total assets | 85.7921% | 3,638 |
| Equity capital to assets | 9.2846% | 4,755 |
| Core capital (leverage) ratio | 8.8684% | 4,822 |
| Tier 1 risk-based capital ratio | 13.5475% | 4,393 |
| Total risk-based capital ratio | 14.8086% | 4,353 |
| Memoranda: | ||
| Average total assets | $413,842,000 | 1,601 |
| Average earning assets | $377,179,000 | 1,606 |
| Average equity | $38,812,500 | 1,716 |
| Average total loans | $260,660,500 | 1,669 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 6,096 |
| Cost of funding earning assets | 0.8790% | 6,246 |
| Net interest margin | 3.7263% | 4,243 |
| Noninterest income to average assets | 1.2809% | 896 |
| Noninterest expense to average assets | 3.4292% | 2,355 |
| Loan and lease loss provision to assets | 0.4692% | 3,318 |
| Net operating income to assets | 0.5300% | 3,963 |
| Return on assets (ROA) | 0.5378% | 4,086 |
| Pretax return on assets | 0.7782% | 3,701 |
| Return on Equity (ROE) | 5.7416% | 3,716 |
| Retained earnings to average equity (ytd only) | 3.0248% | 3,728 |
| Net charge-offs to loans | 0.1414% | 5,509 |
| Credit loss provision to net charge-offs | 501.5544% | 450 |
| Earnings coverage of net charge-offs (x) | 13.2124% | 1,432 |
| Efficiency ratio | 73.5051% | 3,487 |
| Assets per employee ($millions) | 2.6798% | 6,721 |
| Cash dividends to net income (ytd only)* | 47.3186% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2627% | 1,752 |
| Loan loss allowance to noncurrent loans | 33.7585% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 4.7021% | 1,399 |
| Noncurrent loans to loans | 6.7027% | 871 |
| Net loans and leases to total assets | 62.2995% | 4,223 |
| Net loans and leases to deposits | 71.9842% | 4,521 |
| Net loans and leases to core deposits | 77.1536% | 4,573 |
| Total domestic deposits to total assets | 86.5461% | 3,057 |
| Equity capital to assets | 9.4756% | 4,435 |
| Core capital (leverage) ratio | 8.6833% | 5,049 |
| Tier 1 risk-based capital ratio | 13.3501% | 4,331 |
| Total risk-based capital ratio | 14.6113% | 4,282 |
| Memoranda: | ||
| Average total assets | $412,597,800 | 1,602 |
| Average earning assets | $374,742,800 | 1,607 |
| Average equity | $38,647,800 | 1,714 |
| Average total loans | $273,018,600 | 1,636 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 6,171 |
| Cost of funding earning assets | 0.9121% | 6,349 |
| Net interest margin | 3.7433% | 4,213 |
| Noninterest income to average assets | 1.2183% | 938 |
| Noninterest expense to average assets | 3.3607% | 2,400 |
| Loan and lease loss provision to assets | 0.4970% | 2,975 |
| Net operating income to assets | 0.5214% | 4,213 |
| Return on assets (ROA) | 0.5318% | 4,348 |
| Pretax return on assets | 0.7731% | 3,997 |
| Return on Equity (ROE) | 5.6939% | 3,961 |
| Retained earnings to average equity (ytd only) | 3.4522% | 4,020 |
| Net charge-offs to loans | 0.1414% | 5,165 |
| Credit loss provision to net charge-offs | 526.6212% | 552 |
| Earnings coverage of net charge-offs (x) | 13.2968% | 1,597 |
| Efficiency ratio | 72.8104% | 3,554 |
| Assets per employee ($millions) | 2.8324% | 6,528 |
| Cash dividends to net income (ytd only)* | 39.3703% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0879% | 2,031 |
| Loan loss allowance to noncurrent loans | 66.1250% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 2.7403% | 2,643 |
| Noncurrent loans to loans | 3.1575% | 2,517 |
| Net loans and leases to total assets | 63.2216% | 4,271 |
| Net loans and leases to deposits | 73.5921% | 4,581 |
| Net loans and leases to core deposits | 77.5288% | 4,860 |
| Total domestic deposits to total assets | 85.9080% | 3,124 |
| Equity capital to assets | 9.4764% | 4,881 |
| Core capital (leverage) ratio | 8.6143% | 5,324 |
| Tier 1 risk-based capital ratio | 12.8416% | 4,696 |
| Total risk-based capital ratio | 14.1005% | 4,680 |
| Memoranda: | ||
| Average total assets | $413,914,250 | 1,626 |
| Average earning assets | $375,666,500 | 1,625 |
| Average equity | $38,660,500 | 1,723 |
| Average total loans | $276,363,000 | 1,640 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6963% | 6,157 |
| Cost of funding earning assets | 0.9465% | 6,393 |
| Net interest margin | 3.7498% | 4,133 |
| Noninterest income to average assets | 1.1835% | 920 |
| Noninterest expense to average assets | 3.3992% | 2,266 |
| Loan and lease loss provision to assets | 0.3560% | 3,583 |
| Net operating income to assets | 0.5557% | 4,057 |
| Return on assets (ROA) | 0.5710% | 4,136 |
| Pretax return on assets | 0.8535% | 3,688 |
| Return on Equity (ROE) | 6.1427% | 3,731 |
| Retained earnings to average equity (ytd only) | 4.5836% | 3,160 |
| Net charge-offs to loans | 0.1159% | 5,016 |
| Credit loss provision to net charge-offs | 454.9383% | 800 |
| Earnings coverage of net charge-offs (x) | 15.1667% | 1,473 |
| Efficiency ratio | 74.1205% | 3,452 |
| Assets per employee ($millions) | 2.7359% | 6,720 |
| Cash dividends to net income (ytd only)* | 25.3807% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 2,692 |
| Loan loss allowance to noncurrent loans | 52.6712% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 2.9207% | 2,463 |
| Noncurrent loans to loans | 3.4379% | 2,312 |
| Net loans and leases to total assets | 63.8923% | 4,284 |
| Net loans and leases to deposits | 74.5090% | 4,596 |
| Net loans and leases to core deposits | 78.5120% | 4,866 |
| Total domestic deposits to total assets | 85.7512% | 3,234 |
| Equity capital to assets | 9.4111% | 4,850 |
| Core capital (leverage) ratio | 8.5922% | 5,252 |
| Tier 1 risk-based capital ratio | 12.6769% | 4,709 |
| Total risk-based capital ratio | 13.9328% | 4,681 |
| Memoranda: | ||
| Average total assets | $414,041,330 | 1,641 |
| Average earning assets | $375,699,670 | 1,642 |
| Average equity | $38,484,670 | 1,730 |
| Average total loans | $279,478,330 | 1,637 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 6,159 |
| Cost of funding earning assets | 0.9822% | 6,451 |
| Net interest margin | 3.7418% | 4,046 |
| Noninterest income to average assets | 1.1599% | 918 |
| Noninterest expense to average assets | 3.4759% | 2,047 |
| Loan and lease loss provision to assets | 0.4764% | 2,595 |
| Net operating income to assets | 0.3897% | 4,882 |
| Return on assets (ROA) | 0.4192% | 4,897 |
| Pretax return on assets | 0.6468% | 4,428 |
| Return on Equity (ROE) | 4.5390% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.5390% | 3,432 |
| Net charge-offs to loans | 0.0592% | 4,821 |
| Credit loss provision to net charge-offs | 1,171.4286% | 412 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 955 |
| Efficiency ratio | 76.3343% | 3,162 |
| Assets per employee ($millions) | 2.7393% | 6,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 3,090 |
| Loan loss allowance to noncurrent loans | 47.5124% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 3.0075% | 2,381 |
| Noncurrent loans to loans | 3.5628% | 2,239 |
| Net loans and leases to total assets | 66.1648% | 3,815 |
| Net loans and leases to deposits | 77.3340% | 4,162 |
| Net loans and leases to core deposits | 86.7908% | 3,789 |
| Total domestic deposits to total assets | 85.5573% | 3,384 |
| Equity capital to assets | 9.1633% | 5,039 |
| Core capital (leverage) ratio | 8.6411% | 5,135 |
| Tier 1 risk-based capital ratio | 12.0244% | 5,171 |
| Total risk-based capital ratio | 13.2787% | 5,129 |
| Memoranda: | ||
| Average total assets | $413,132,500 | 1,687 |
| Average earning assets | $374,683,000 | 1,689 |
| Average equity | $38,158,500 | 1,760 |
| Average total loans | $283,916,500 | 1,660 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1242% | 5,984 |
| Cost of funding earning assets | 1.2792% | 6,378 |
| Net interest margin | 3.8450% | 3,510 |
| Noninterest income to average assets | 1.1895% | 1,088 |
| Noninterest expense to average assets | 3.4315% | 2,581 |
| Loan and lease loss provision to assets | 1.2973% | 1,781 |
| Net operating income to assets | 0.0202% | 5,430 |
| Return on assets (ROA) | 0.0530% | 5,386 |
| Pretax return on assets | 0.0100% | 5,419 |
| Return on Equity (ROE) | 0.5631% | 5,367 |
| Retained earnings to average equity (ytd only) | -4.0576% | 5,877 |
| Net charge-offs to loans | 1.2946% | 1,917 |
| Credit loss provision to net charge-offs | 142.7451% | 3,375 |
| Earnings coverage of net charge-offs (x) | 1.4024% | 4,728 |
| Efficiency ratio | 72.9173% | 4,112 |
| Assets per employee ($millions) | 2.5933% | 7,051 |
| Cash dividends to net income (ytd only)* | 820.6278% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 3,650 |
| Loan loss allowance to noncurrent loans | 52.4815% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 2.6573% | 2,640 |
| Noncurrent loans to loans | 2.8840% | 2,679 |
| Net loans and leases to total assets | 69.1211% | 3,456 |
| Net loans and leases to deposits | 80.2368% | 3,949 |
| Net loans and leases to core deposits | 94.5125% | 4,625 |
| Total domestic deposits to total assets | 86.1463% | 2,937 |
| Equity capital to assets | 9.3116% | 4,684 |
| Core capital (leverage) ratio | 8.5542% | 5,180 |
| Tier 1 risk-based capital ratio | 11.8224% | 5,091 |
| Total risk-based capital ratio | 13.0749% | 5,056 |
| Memoranda: | ||
| Average total assets | $420,865,000 | 1,643 |
| Average earning assets | $384,916,800 | 1,634 |
| Average equity | $39,605,000 | 1,697 |
| Average total loans | $295,455,400 | 1,623 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1305% | 6,169 |
| Cost of funding earning assets | 1.3379% | 6,442 |
| Net interest margin | 3.7926% | 3,686 |
| Noninterest income to average assets | 1.1529% | 1,184 |
| Noninterest expense to average assets | 3.4142% | 2,535 |
| Loan and lease loss provision to assets | 0.4104% | 3,861 |
| Net operating income to assets | 0.5398% | 3,831 |
| Return on assets (ROA) | 0.5408% | 3,912 |
| Pretax return on assets | 0.8067% | 3,513 |
| Return on Equity (ROE) | 5.7325% | 3,636 |
| Retained earnings to average equity (ytd only) | 0.5862% | 4,960 |
| Net charge-offs to loans | 0.2780% | 4,301 |
| Credit loss provision to net charge-offs | 210.3060% | 2,093 |
| Earnings coverage of net charge-offs (x) | 6.2287% | 2,642 |
| Efficiency ratio | 73.7460% | 3,908 |
| Assets per employee ($millions) | 2.5725% | 7,105 |
| Cash dividends to net income (ytd only)* | 89.7734% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 5,436 |
| Loan loss allowance to noncurrent loans | 39.7386% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 2.2330% | 3,053 |
| Noncurrent loans to loans | 2.8822% | 2,641 |
| Net loans and leases to total assets | 69.8981% | 3,543 |
| Net loans and leases to deposits | 82.2167% | 3,981 |
| Net loans and leases to core deposits | 96.2281% | 4,785 |
| Total domestic deposits to total assets | 85.0170% | 3,228 |
| Equity capital to assets | 9.6277% | 4,588 |
| Core capital (leverage) ratio | 8.7430% | 5,058 |
| Tier 1 risk-based capital ratio | 12.1848% | 4,810 |
| Total risk-based capital ratio | 13.2999% | 4,868 |
| Memoranda: | ||
| Average total assets | $424,294,250 | 1,649 |
| Average earning assets | $388,954,500 | 1,640 |
| Average equity | $40,028,250 | 1,695 |
| Average total loans | $297,881,750 | 1,631 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 6,093 |
| Cost of funding earning assets | 1.4080% | 6,449 |
| Net interest margin | 3.7869% | 3,601 |
| Noninterest income to average assets | 1.0304% | 1,498 |
| Noninterest expense to average assets | 3.4324% | 2,531 |
| Loan and lease loss provision to assets | 0.2413% | 4,655 |
| Net operating income to assets | 0.5458% | 3,900 |
| Return on assets (ROA) | 0.5473% | 4,016 |
| Pretax return on assets | 0.8336% | 3,560 |
| Return on Equity (ROE) | 5.8405% | 3,727 |
| Retained earnings to average equity (ytd only) | 0.6901% | 4,917 |
| Net charge-offs to loans | 0.1371% | 4,796 |
| Credit loss provision to net charge-offs | 251.2195% | 1,852 |
| Earnings coverage of net charge-offs (x) | 11.1659% | 1,927 |
| Efficiency ratio | 76.1910% | 3,654 |
| Assets per employee ($millions) | 2.6248% | 7,006 |
| Cash dividends to net income (ytd only)* | 88.1849% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,236 |
| Loan loss allowance to noncurrent loans | 30.6247% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 2.3397% | 2,776 |
| Noncurrent loans to loans | 3.2690% | 2,167 |
| Net loans and leases to total assets | 69.3410% | 3,867 |
| Net loans and leases to deposits | 81.6569% | 4,278 |
| Net loans and leases to core deposits | 95.4859% | 4,963 |
| Total domestic deposits to total assets | 84.9174% | 3,303 |
| Equity capital to assets | 9.3196% | 4,843 |
| Core capital (leverage) ratio | 8.4851% | 5,474 |
| Tier 1 risk-based capital ratio | 11.9151% | 4,986 |
| Total risk-based capital ratio | 12.8867% | 5,191 |
| Memoranda: | ||
| Average total assets | $426,810,670 | 1,667 |
| Average earning assets | $391,609,670 | 1,657 |
| Average equity | $39,996,670 | 1,699 |
| Average total loans | $298,951,670 | 1,656 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2394% | 6,166 |
| Cost of funding earning assets | 1.4647% | 6,522 |
| Net interest margin | 3.7747% | 3,564 |
| Noninterest income to average assets | 0.9702% | 1,566 |
| Noninterest expense to average assets | 3.2850% | 2,705 |
| Loan and lease loss provision to assets | 0.1267% | 5,336 |
| Net operating income to assets | 0.6972% | 3,572 |
| Return on assets (ROA) | 0.6972% | 3,760 |
| Pretax return on assets | 1.0190% | 3,275 |
| Return on Equity (ROE) | 7.4191% | 3,415 |
| Retained earnings to average equity (ytd only) | 2.2767% | 4,611 |
| Net charge-offs to loans | 0.0335% | 5,046 |
| Credit loss provision to net charge-offs | 540.0000% | 1,023 |
| Earnings coverage of net charge-offs (x) | 48.8400% | 742 |
| Efficiency ratio | 74.1423% | 3,800 |
| Assets per employee ($millions) | 2.5584% | 7,167 |
| Cash dividends to net income (ytd only)* | 69.3136% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 6,602 |
| Loan loss allowance to noncurrent loans | 33.2700% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 2.0203% | 2,868 |
| Noncurrent loans to loans | 2.8000% | 2,342 |
| Net loans and leases to total assets | 69.6934% | 3,750 |
| Net loans and leases to deposits | 81.7550% | 4,324 |
| Net loans and leases to core deposits | 95.2535% | 5,039 |
| Total domestic deposits to total assets | 85.2467% | 3,088 |
| Equity capital to assets | 9.4092% | 4,798 |
| Core capital (leverage) ratio | 8.6766% | 5,195 |
| Tier 1 risk-based capital ratio | 11.8858% | 5,052 |
| Total risk-based capital ratio | 12.7894% | 5,266 |
| Memoranda: | ||
| Average total assets | $426,297,000 | 1,670 |
| Average earning assets | $390,809,500 | 1,674 |
| Average equity | $40,058,500 | 1,703 |
| Average total loans | $298,594,000 | 1,674 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6911% | 6,805 |
| Cost of funding earning assets | 1.9466% | 6,586 |
| Net interest margin | 3.7445% | 4,251 |
| Noninterest income to average assets | 1.0912% | 1,322 |
| Noninterest expense to average assets | 3.0868% | 3,753 |
| Loan and lease loss provision to assets | 0.1023% | 6,072 |
| Net operating income to assets | 0.8583% | 3,187 |
| Return on assets (ROA) | 0.8583% | 3,030 |
| Pretax return on assets | 1.3280% | 2,213 |
| Return on Equity (ROE) | 9.5216% | 2,432 |
| Retained earnings to average equity (ytd only) | 3.0382% | 3,275 |
| Net charge-offs to loans | 0.0730% | 5,718 |
| Credit loss provision to net charge-offs | 209.8131% | 2,299 |
| Earnings coverage of net charge-offs (x) | 29.3318% | 1,184 |
| Efficiency ratio | 68.3364% | 4,667 |
| Assets per employee ($millions) | 2.5020% | 7,200 |
| Cash dividends to net income (ytd only)* | 68.0913% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 6,635 |
| Loan loss allowance to noncurrent loans | 43.6193% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 1.4976% | 3,225 |
| Noncurrent loans to loans | 2.0791% | 2,662 |
| Net loans and leases to total assets | 69.1047% | 4,229 |
| Net loans and leases to deposits | 81.9685% | 4,735 |
| Net loans and leases to core deposits | 94.5447% | 5,400 |
| Total domestic deposits to total assets | 84.3064% | 3,174 |
| Equity capital to assets | 9.3845% | 4,839 |
| Core capital (leverage) ratio | 8.5971% | 5,384 |
| Tier 1 risk-based capital ratio | 11.9592% | 4,853 |
| Total risk-based capital ratio | 12.8392% | 5,050 |
| Memoranda: | ||
| Average total assets | $438,869,400 | 1,558 |
| Average earning assets | $401,524,600 | 1,555 |
| Average equity | $39,562,600 | 1,708 |
| Average total loans | $293,306,400 | 1,648 |