Home > First Clover Leaf Bank > Performance and Condition Ratios
First Clover Leaf Bank, Performance and Condition Ratios
| 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 | 1.2036% | 5,878 |
| Cost of funding earning assets | 0.0697% | 5,806 |
| Net interest margin | 1.1339% | 5,873 |
| Noninterest income to average assets | 0.1239% | 5,567 |
| Noninterest expense to average assets | 0.5422% | 5,890 |
| Loan and lease loss provision to assets | 0.0198% | 3,975 |
| Net operating income to assets | 0.3807% | 5,006 |
| Return on assets (ROA) | 0.3807% | 5,086 |
| Pretax return on assets | 0.5668% | 4,878 |
| Return on Equity (ROE) | 2.8247% | 5,207 |
| Retained earnings to average equity (ytd only) | 0.7461% | 5,029 |
| Net charge-offs to loans | 0.0236% | 3,573 |
| Credit loss provision to net charge-offs | 125.9615% | 2,122 |
| Earnings coverage of net charge-offs (x) | 37.2500% | 1,238 |
| Efficiency ratio | 44.8424% | 5,672 |
| Assets per employee ($millions) | 8.3670% | 523 |
| Cash dividends to net income (ytd only)* | 73.5879% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0061% | 5,857 |
| Loan loss allowance to noncurrent loans | 0.5309% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0284% | 1,843 |
| Noncurrent loans to loans | 1.1583% | 1,772 |
| Net loans and leases to total assets | 64.7829% | 3,247 |
| Net loans and leases to deposits | 79.7671% | 2,908 |
| Net loans and leases to core deposits | 95.1740% | 1,993 |
| Total domestic deposits to total assets | 81.2151% | 4,282 |
| Equity capital to assets | 14.1109% | 854 |
| Core capital (leverage) ratio | 12.0396% | 1,573 |
| Tier 1 risk-based capital ratio | 15.0790% | 2,933 |
| Total risk-based capital ratio | 15.0790% | 3,469 |
| Memoranda: | ||
| Average total assets | $660,413,200 | 1,075 |
| Average earning assets | $585,305,600 | 1,109 |
| Average equity | $89,001,400 | 895 |
| Average total loans | $440,736,800 | 1,108 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3423% | 5,976 |
| Cost of funding earning assets | 0.0062% | 5,956 |
| Net interest margin | 0.3361% | 5,975 |
| Noninterest income to average assets | 0.0321% | 5,876 |
| Noninterest expense to average assets | 0.1248% | 5,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1347% | 5,579 |
| Return on assets (ROA) | 0.1347% | 5,634 |
| Pretax return on assets | 0.2061% | 5,558 |
| Return on Equity (ROE) | 1.0121% | 5,642 |
| Retained earnings to average equity (ytd only) | 1.0121% | 5,086 |
| Net charge-offs to loans | -0.0106% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.7224% | 5,911 |
| Assets per employee ($millions) | 8.0495% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0014% | 5,930 |
| Loan loss allowance to noncurrent loans | 0.1424% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 0.9031% | 2,297 |
| Noncurrent loans to loans | 0.9522% | 2,340 |
| Net loans and leases to total assets | 66.2207% | 3,085 |
| Net loans and leases to deposits | 82.7800% | 2,637 |
| Net loans and leases to core deposits | 98.2791% | 1,785 |
| Total domestic deposits to total assets | 79.9960% | 4,516 |
| Equity capital to assets | 14.5529% | 856 |
| Core capital (leverage) ratio | 11.9918% | 1,685 |
| Tier 1 risk-based capital ratio | 14.9687% | 3,064 |
| Total risk-based capital ratio | 14.9687% | 3,644 |
| Memoranda: | ||
| Average total assets | $656,084,000 | 1,083 |
| Average earning assets | $583,080,750 | 1,116 |
| Average equity | $87,343,250 | 909 |
| Average total loans | $441,151,000 | 1,110 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5460% | 4,758 |
| Cost of funding earning assets | 0.4613% | 2,461 |
| Net interest margin | 3.0847% | 4,872 |
| Noninterest income to average assets | 0.3644% | 4,153 |
| Noninterest expense to average assets | 2.2083% | 4,824 |
| Loan and lease loss provision to assets | 0.0981% | 2,198 |
| Net operating income to assets | 0.6314% | 4,137 |
| Return on assets (ROA) | 0.6383% | 4,245 |
| Pretax return on assets | 0.8318% | 4,185 |
| Return on Equity (ROE) | 4.9519% | 4,538 |
| Retained earnings to average equity (ytd only) | 2.5723% | 4,252 |
| Net charge-offs to loans | -0.0086% | 4,660 |
| Credit loss provision to net charge-offs | -1,684.2105% | 5,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2833% | 2,935 |
| Assets per employee ($millions) | 7.5565% | 683 |
| Cash dividends to net income (ytd only)* | 48.0538% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 2,330 |
| Loan loss allowance to noncurrent loans | 109.0575% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2871% | 1,575 |
| Noncurrent loans to loans | 1.2763% | 1,780 |
| Net loans and leases to total assets | 66.3171% | 3,038 |
| Net loans and leases to deposits | 81.6295% | 2,749 |
| Net loans and leases to core deposits | 95.7382% | 2,000 |
| Total domestic deposits to total assets | 81.2416% | 4,205 |
| Equity capital to assets | 12.8217% | 1,602 |
| Core capital (leverage) ratio | 10.8930% | 2,536 |
| Tier 1 risk-based capital ratio | 14.0508% | 3,573 |
| Total risk-based capital ratio | 14.9324% | 3,705 |
| Memoranda: | ||
| Average total assets | $652,076,000 | 1,089 |
| Average earning assets | $584,494,670 | 1,119 |
| Average equity | $84,048,000 | 948 |
| Average total loans | $440,724,000 | 1,112 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5429% | 4,777 |
| Cost of funding earning assets | 0.4560% | 2,519 |
| Net interest margin | 3.0869% | 4,900 |
| Noninterest income to average assets | 0.3377% | 4,319 |
| Noninterest expense to average assets | 2.0774% | 5,156 |
| Loan and lease loss provision to assets | 0.1549% | 1,356 |
| Net operating income to assets | 0.6623% | 3,919 |
| Return on assets (ROA) | 0.6759% | 3,960 |
| Pretax return on assets | 0.8915% | 3,876 |
| Return on Equity (ROE) | 5.2300% | 4,376 |
| Retained earnings to average equity (ytd only) | 0.4362% | 5,009 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6068% | 3,702 |
| Assets per employee ($millions) | 6.5628% | 1,074 |
| Cash dividends to net income (ytd only)* | 91.6590% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 2,555 |
| Loan loss allowance to noncurrent loans | 115.6833% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.2941% | 1,666 |
| Noncurrent loans to loans | 1.1854% | 2,042 |
| Net loans and leases to total assets | 69.3361% | 2,451 |
| Net loans and leases to deposits | 85.5720% | 2,111 |
| Net loans and leases to core deposits | 97.4455% | 1,675 |
| Total domestic deposits to total assets | 81.0266% | 4,487 |
| Equity capital to assets | 13.1643% | 1,333 |
| Core capital (leverage) ratio | 11.3022% | 2,136 |
| Tier 1 risk-based capital ratio | 14.0201% | 3,679 |
| Total risk-based capital ratio | 14.9107% | 3,821 |
| Memoranda: | ||
| Average total assets | $645,626,000 | 1,095 |
| Average earning assets | $578,957,500 | 1,125 |
| Average equity | $83,441,500 | 953 |
| Average total loans | $437,477,000 | 1,111 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5789% | 4,728 |
| Cost of funding earning assets | 0.4244% | 2,901 |
| Net interest margin | 3.1545% | 4,766 |
| Noninterest income to average assets | 0.4189% | 3,906 |
| Noninterest expense to average assets | 2.1961% | 5,054 |
| Loan and lease loss provision to assets | -0.0812% | 5,817 |
| Net operating income to assets | 0.8124% | 3,289 |
| Return on assets (ROA) | 0.8137% | 3,359 |
| Pretax return on assets | 1.1261% | 2,937 |
| Return on Equity (ROE) | 6.1331% | 3,976 |
| Retained earnings to average equity (ytd only) | 3.6853% | 3,428 |
| Net charge-offs to loans | -0.2002% | 5,952 |
| Credit loss provision to net charge-offs | 60.6061% | 3,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5071% | 3,664 |
| Assets per employee ($millions) | 6.8912% | 925 |
| Cash dividends to net income (ytd only)* | 39.9122% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 2,527 |
| Loan loss allowance to noncurrent loans | 181.6667% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.9622% | 2,269 |
| Noncurrent loans to loans | 0.7580% | 2,905 |
| Net loans and leases to total assets | 64.3911% | 3,213 |
| Net loans and leases to deposits | 78.9177% | 2,950 |
| Net loans and leases to core deposits | 96.0723% | 1,843 |
| Total domestic deposits to total assets | 81.5927% | 4,307 |
| Equity capital to assets | 12.6906% | 1,515 |
| Core capital (leverage) ratio | 11.4701% | 1,981 |
| Tier 1 risk-based capital ratio | 14.8860% | 3,225 |
| Total risk-based capital ratio | 15.9140% | 3,275 |
| Memoranda: | ||
| Average total assets | $615,863,600 | 1,107 |
| Average earning assets | $550,609,000 | 1,144 |
| Average equity | $81,703,800 | 929 |
| Average total loans | $412,142,000 | 1,115 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6414% | 4,598 |
| Cost of funding earning assets | 0.4224% | 2,987 |
| Net interest margin | 3.2190% | 4,615 |
| Noninterest income to average assets | 0.4071% | 4,036 |
| Noninterest expense to average assets | 2.2222% | 4,986 |
| Loan and lease loss provision to assets | -0.1100% | 6,011 |
| Net operating income to assets | 0.8400% | 3,217 |
| Return on assets (ROA) | 0.8418% | 3,296 |
| Pretax return on assets | 1.1702% | 2,930 |
| Return on Equity (ROE) | 6.2716% | 4,016 |
| Retained earnings to average equity (ytd only) | 2.9940% | 4,315 |
| Net charge-offs to loans | -0.2772% | 6,065 |
| Credit loss provision to net charge-offs | 58.8928% | 2,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4624% | 3,636 |
| Assets per employee ($millions) | 6.2023% | 1,236 |
| Cash dividends to net income (ytd only)* | 52.2602% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 2,537 |
| Loan loss allowance to noncurrent loans | 189.5767% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.0162% | 2,328 |
| Noncurrent loans to loans | 0.7452% | 3,094 |
| Net loans and leases to total assets | 67.1812% | 2,828 |
| Net loans and leases to deposits | 82.3749% | 2,599 |
| Net loans and leases to core deposits | 102.0388% | 1,383 |
| Total domestic deposits to total assets | 81.5554% | 4,305 |
| Equity capital to assets | 13.3635% | 1,286 |
| Core capital (leverage) ratio | 11.7135% | 1,876 |
| Tier 1 risk-based capital ratio | 15.7102% | 2,947 |
| Total risk-based capital ratio | 16.8200% | 2,941 |
| Memoranda: | ||
| Average total assets | $606,164,500 | 1,131 |
| Average earning assets | $540,989,750 | 1,172 |
| Average equity | $81,359,750 | 941 |
| Average total loans | $408,320,250 | 1,126 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6927% | 4,429 |
| Cost of funding earning assets | 0.4143% | 3,110 |
| Net interest margin | 3.2785% | 4,381 |
| Noninterest income to average assets | 0.4245% | 3,892 |
| Noninterest expense to average assets | 2.1612% | 5,201 |
| Loan and lease loss provision to assets | -0.1657% | 6,150 |
| Net operating income to assets | 0.9537% | 2,612 |
| Return on assets (ROA) | 0.9537% | 2,729 |
| Pretax return on assets | 1.3530% | 2,175 |
| Return on Equity (ROE) | 7.0950% | 3,557 |
| Retained earnings to average equity (ytd only) | 4.6297% | 3,092 |
| Net charge-offs to loans | -0.4134% | 6,175 |
| Credit loss provision to net charge-offs | 59.7372% | 2,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2553% | 4,313 |
| Assets per employee ($millions) | 6.0485% | 1,315 |
| Cash dividends to net income (ytd only)* | 34.7464% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 2,396 |
| Loan loss allowance to noncurrent loans | 202.8542% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 1.1312% | 2,250 |
| Noncurrent loans to loans | 0.7275% | 3,301 |
| Net loans and leases to total assets | 66.4386% | 2,881 |
| Net loans and leases to deposits | 81.9683% | 2,557 |
| Net loans and leases to core deposits | 101.3923% | 1,369 |
| Total domestic deposits to total assets | 81.0541% | 4,602 |
| Equity capital to assets | 13.7613% | 1,071 |
| Core capital (leverage) ratio | 11.8421% | 1,752 |
| Tier 1 risk-based capital ratio | 16.4128% | 2,654 |
| Total risk-based capital ratio | 17.4150% | 2,726 |
| Memoranda: | ||
| Average total assets | $603,545,000 | 1,144 |
| Average earning assets | $538,302,670 | 1,180 |
| Average equity | $81,128,000 | 946 |
| Average total loans | $404,954,000 | 1,135 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6130% | 4,648 |
| Cost of funding earning assets | 0.4056% | 3,244 |
| Net interest margin | 3.2074% | 4,585 |
| Noninterest income to average assets | 0.3784% | 4,173 |
| Noninterest expense to average assets | 2.1112% | 5,350 |
| Loan and lease loss provision to assets | -0.3284% | 6,317 |
| Net operating income to assets | 1.0208% | 2,160 |
| Return on assets (ROA) | 1.0208% | 2,307 |
| Pretax return on assets | 1.4629% | 1,682 |
| Return on Equity (ROE) | 7.6829% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.6829% | 1,692 |
| Net charge-offs to loans | -0.8008% | 6,302 |
| Credit loss provision to net charge-offs | 61.2745% | 1,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7642% | 4,353 |
| Assets per employee ($millions) | 6.3587% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 2,748 |
| Loan loss allowance to noncurrent loans | 135.1886% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.3426% | 1,981 |
| Noncurrent loans to loans | 1.0642% | 2,631 |
| Net loans and leases to total assets | 65.9691% | 2,779 |
| Net loans and leases to deposits | 79.0164% | 2,680 |
| Net loans and leases to core deposits | 102.3921% | 1,154 |
| Total domestic deposits to total assets | 83.4879% | 4,008 |
| Equity capital to assets | 13.4238% | 1,204 |
| Core capital (leverage) ratio | 11.8814% | 1,715 |
| Tier 1 risk-based capital ratio | 16.0082% | 2,917 |
| Total risk-based capital ratio | 17.0150% | 2,969 |
| Memoranda: | ||
| Average total assets | $608,939,500 | 1,137 |
| Average earning assets | $544,367,000 | 1,166 |
| Average equity | $80,906,500 | 946 |
| Average total loans | $407,572,000 | 1,127 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4204% | 5,494 |
| Cost of funding earning assets | 0.4307% | 3,376 |
| Net interest margin | 2.9898% | 5,468 |
| Noninterest income to average assets | 0.3128% | 4,885 |
| Noninterest expense to average assets | 2.1481% | 5,458 |
| Loan and lease loss provision to assets | -0.0399% | 5,998 |
| Net operating income to assets | 0.6514% | 4,131 |
| Return on assets (ROA) | 0.6641% | 4,165 |
| Pretax return on assets | 0.9167% | 3,844 |
| Return on Equity (ROE) | 5.3368% | 4,495 |
| Retained earnings to average equity (ytd only) | 2.7717% | 4,268 |
| Net charge-offs to loans | -0.0569% | 5,965 |
| Credit loss provision to net charge-offs | 113.1222% | 2,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0306% | 3,369 |
| Assets per employee ($millions) | 6.1984% | 1,249 |
| Cash dividends to net income (ytd only)* | 48.0654% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 3,099 |
| Loan loss allowance to noncurrent loans | 118.9010% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.4100% | 1,966 |
| Noncurrent loans to loans | 1.1504% | 2,541 |
| Net loans and leases to total assets | 66.0154% | 2,879 |
| Net loans and leases to deposits | 78.4058% | 2,922 |
| Net loans and leases to core deposits | 101.0391% | 1,317 |
| Total domestic deposits to total assets | 84.1970% | 3,628 |
| Equity capital to assets | 13.1484% | 1,292 |
| Core capital (leverage) ratio | 11.2225% | 2,198 |
| Tier 1 risk-based capital ratio | 16.3614% | 2,779 |
| Total risk-based capital ratio | 17.3128% | 2,871 |
| Memoranda: | ||
| Average total assets | $626,586,400 | 1,061 |
| Average earning assets | $564,727,200 | 1,075 |
| Average equity | $77,967,400 | 939 |
| Average total loans | $388,556,200 | 1,139 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3604% | 5,653 |
| Cost of funding earning assets | 0.4338% | 3,428 |
| Net interest margin | 2.9265% | 5,644 |
| Noninterest income to average assets | 0.2880% | 5,139 |
| Noninterest expense to average assets | 2.1027% | 5,564 |
| Loan and lease loss provision to assets | -0.0528% | 6,196 |
| Net operating income to assets | 0.6364% | 4,279 |
| Return on assets (ROA) | 0.6498% | 4,314 |
| Pretax return on assets | 0.8992% | 3,990 |
| Return on Equity (ROE) | 5.2942% | 4,582 |
| Retained earnings to average equity (ytd only) | 1.8530% | 5,127 |
| Net charge-offs to loans | -0.1562% | 6,251 |
| Credit loss provision to net charge-offs | 55.5556% | 3,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3194% | 3,292 |
| Assets per employee ($millions) | 6.2494% | 1,167 |
| Cash dividends to net income (ytd only)* | 64.9984% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 2,929 |
| Loan loss allowance to noncurrent loans | 108.4660% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.5243% | 2,017 |
| Noncurrent loans to loans | 1.3405% | 2,402 |
| Net loans and leases to total assets | 62.1841% | 3,457 |
| Net loans and leases to deposits | 74.3429% | 3,394 |
| Net loans and leases to core deposits | 103.3107% | 1,133 |
| Total domestic deposits to total assets | 83.6449% | 3,903 |
| Equity capital to assets | 12.4269% | 1,751 |
| Core capital (leverage) ratio | 10.7777% | 2,717 |
| Tier 1 risk-based capital ratio | 16.1115% | 3,009 |
| Total risk-based capital ratio | 17.0294% | 3,109 |
| Memoranda: | ||
| Average total assets | $631,372,500 | 1,068 |
| Average earning assets | $570,081,750 | 1,072 |
| Average equity | $77,492,000 | 946 |
| Average total loans | $384,053,750 | 1,157 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3001% | 5,792 |
| Cost of funding earning assets | 0.4290% | 3,563 |
| Net interest margin | 2.8710% | 5,786 |
| Noninterest income to average assets | 0.2265% | 5,587 |
| Noninterest expense to average assets | 2.1025% | 5,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5353% | 4,670 |
| Return on assets (ROA) | 0.5353% | 4,766 |
| Pretax return on assets | 0.7247% | 4,551 |
| Return on Equity (ROE) | 4.3795% | 4,984 |
| Retained earnings to average equity (ytd only) | 1.7881% | 4,996 |
| Net charge-offs to loans | 0.0121% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 99.4783% | 558 |
| Efficiency ratio | 73.8293% | 3,001 |
| Assets per employee ($millions) | 6.2669% | 1,128 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 3,174 |
| Loan loss allowance to noncurrent loans | 87.9343% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.6616% | 1,960 |
| Noncurrent loans to loans | 1.6305% | 2,135 |
| Net loans and leases to total assets | 59.8840% | 3,739 |
| Net loans and leases to deposits | 72.2616% | 3,541 |
| Net loans and leases to core deposits | 97.9361% | 1,449 |
| Total domestic deposits to total assets | 82.8711% | 4,355 |
| Equity capital to assets | 12.2277% | 1,836 |
| Core capital (leverage) ratio | 10.5766% | 2,849 |
| Tier 1 risk-based capital ratio | 15.8695% | 3,158 |
| Total risk-based capital ratio | 16.7890% | 3,287 |
| Memoranda: | ||
| Average total assets | $631,434,330 | 1,068 |
| Average earning assets | $571,988,330 | 1,073 |
| Average equity | $77,177,000 | 943 |
| Average total loans | $379,308,670 | 1,161 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2821% | 5,877 |
| Cost of funding earning assets | 0.4377% | 3,564 |
| Net interest margin | 2.8444% | 5,859 |
| Noninterest income to average assets | 0.2301% | 5,514 |
| Noninterest expense to average assets | 2.0595% | 5,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5456% | 4,478 |
| Return on assets (ROA) | 0.5456% | 4,549 |
| Pretax return on assets | 0.7553% | 4,289 |
| Return on Equity (ROE) | 4.4650% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.4650% | 3,441 |
| Net charge-offs to loans | -0.1302% | 6,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4638% | 3,410 |
| Assets per employee ($millions) | 6.4633% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 2,983 |
| Loan loss allowance to noncurrent loans | 82.1069% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.9465% | 1,764 |
| Noncurrent loans to loans | 1.8734% | 2,033 |
| Net loans and leases to total assets | 57.7351% | 3,893 |
| Net loans and leases to deposits | 69.6492% | 3,648 |
| Net loans and leases to core deposits | 93.8428% | 1,563 |
| Total domestic deposits to total assets | 82.8942% | 4,642 |
| Equity capital to assets | 12.2436% | 1,719 |
| Core capital (leverage) ratio | 10.7070% | 2,697 |
| Tier 1 risk-based capital ratio | 17.0344% | 2,674 |
| Total risk-based capital ratio | 17.9325% | 2,785 |
| Memoranda: | ||
| Average total assets | $627,542,000 | 1,085 |
| Average earning assets | $570,239,500 | 1,085 |
| Average equity | $76,684,500 | 952 |
| Average total loans | $374,784,000 | 1,179 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5753% | 5,469 |
| Cost of funding earning assets | 0.5831% | 2,805 |
| Net interest margin | 2.9922% | 5,595 |
| Noninterest income to average assets | 0.3153% | 5,087 |
| Noninterest expense to average assets | 2.0898% | 5,849 |
| Loan and lease loss provision to assets | 0.0791% | 3,526 |
| Net operating income to assets | 0.5882% | 4,317 |
| Return on assets (ROA) | 0.6286% | 4,231 |
| Pretax return on assets | 0.9087% | 3,729 |
| Return on Equity (ROE) | 4.9897% | 4,639 |
| Retained earnings to average equity (ytd only) | -2.2568% | 6,198 |
| Net charge-offs to loans | 0.2186% | 2,716 |
| Credit loss provision to net charge-offs | 57.8069% | 3,632 |
| Earnings coverage of net charge-offs (x) | 6.7938% | 2,984 |
| Efficiency ratio | 67.7952% | 4,237 |
| Assets per employee ($millions) | 6.5440% | 968 |
| Cash dividends to net income (ytd only)* | 145.2282% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 3,293 |
| Loan loss allowance to noncurrent loans | 86.7360% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.9339% | 1,865 |
| Noncurrent loans to loans | 1.7046% | 2,355 |
| Net loans and leases to total assets | 59.9291% | 3,734 |
| Net loans and leases to deposits | 74.0064% | 3,250 |
| Net loans and leases to core deposits | 100.1328% | 1,148 |
| Total domestic deposits to total assets | 80.9782% | 5,185 |
| Equity capital to assets | 12.1956% | 1,685 |
| Core capital (leverage) ratio | 10.7520% | 2,624 |
| Tier 1 risk-based capital ratio | 16.6280% | 2,785 |
| Total risk-based capital ratio | 17.5292% | 2,924 |
| Memoranda: | ||
| Average total assets | $613,396,800 | 1,087 |
| Average earning assets | $554,268,000 | 1,094 |
| Average equity | $77,278,600 | 920 |
| Average total loans | $383,743,200 | 1,110 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6191% | 5,390 |
| Cost of funding earning assets | 0.6159% | 2,680 |
| Net interest margin | 3.0032% | 5,590 |
| Noninterest income to average assets | 0.3306% | 5,042 |
| Noninterest expense to average assets | 1.9878% | 6,029 |
| Loan and lease loss provision to assets | 0.1058% | 2,994 |
| Net operating income to assets | 0.6429% | 4,164 |
| Return on assets (ROA) | 0.6962% | 4,018 |
| Pretax return on assets | 1.0275% | 3,386 |
| Return on Equity (ROE) | 5.4813% | 4,474 |
| Retained earnings to average equity (ytd only) | -4.1350% | 6,449 |
| Net charge-offs to loans | 0.3085% | 1,994 |
| Credit loss provision to net charge-offs | 54.4332% | 3,406 |
| Earnings coverage of net charge-offs (x) | 5.4287% | 3,195 |
| Efficiency ratio | 63.9094% | 4,810 |
| Assets per employee ($millions) | 6.8756% | 795 |
| Cash dividends to net income (ytd only)* | 175.4387% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 3,554 |
| Loan loss allowance to noncurrent loans | 73.0739% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.1002% | 1,903 |
| Noncurrent loans to loans | 2.0207% | 2,227 |
| Net loans and leases to total assets | 57.1826% | 4,142 |
| Net loans and leases to deposits | 70.6137% | 3,697 |
| Net loans and leases to core deposits | 91.6709% | 1,797 |
| Total domestic deposits to total assets | 80.9794% | 5,219 |
| Equity capital to assets | 11.6934% | 2,135 |
| Core capital (leverage) ratio | 10.2294% | 3,362 |
| Tier 1 risk-based capital ratio | 16.2860% | 3,048 |
| Total risk-based capital ratio | 17.2366% | 3,156 |
| Memoranda: | ||
| Average total assets | $611,325,250 | 1,097 |
| Average earning assets | $552,055,750 | 1,109 |
| Average equity | $77,643,750 | 932 |
| Average total loans | $385,139,000 | 1,112 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 5,069 |
| Cost of funding earning assets | 0.6527% | 2,464 |
| Net interest margin | 3.0709% | 5,364 |
| Noninterest income to average assets | 0.3755% | 4,707 |
| Noninterest expense to average assets | 1.9998% | 6,046 |
| Loan and lease loss provision to assets | 0.1501% | 2,451 |
| Net operating income to assets | 0.6662% | 3,990 |
| Return on assets (ROA) | 0.7464% | 3,736 |
| Pretax return on assets | 1.1150% | 3,035 |
| Return on Equity (ROE) | 5.7140% | 4,340 |
| Retained earnings to average equity (ytd only) | -3.2221% | 6,335 |
| Net charge-offs to loans | 0.4716% | 1,401 |
| Credit loss provision to net charge-offs | 49.1266% | 3,231 |
| Earnings coverage of net charge-offs (x) | 3.7489% | 3,312 |
| Efficiency ratio | 62.1845% | 5,153 |
| Assets per employee ($millions) | 6.2230% | 1,061 |
| Cash dividends to net income (ytd only)* | 156.3896% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 3,720 |
| Loan loss allowance to noncurrent loans | 57.2100% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 2.7308% | 1,520 |
| Noncurrent loans to loans | 2.5703% | 1,790 |
| Net loans and leases to total assets | 61.4531% | 3,395 |
| Net loans and leases to deposits | 78.1588% | 2,549 |
| Net loans and leases to core deposits | 99.3989% | 1,123 |
| Total domestic deposits to total assets | 78.6259% | 5,868 |
| Equity capital to assets | 12.8809% | 1,392 |
| Core capital (leverage) ratio | 11.2718% | 2,108 |
| Tier 1 risk-based capital ratio | 17.4345% | 2,539 |
| Total risk-based capital ratio | 18.3211% | 2,659 |
| Memoranda: | ||
| Average total assets | $599,665,330 | 1,118 |
| Average earning assets | $540,813,670 | 1,131 |
| Average equity | $78,333,330 | 928 |
| Average total loans | $388,481,000 | 1,099 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8002% | 4,824 |
| Cost of funding earning assets | 0.6825% | 2,369 |
| Net interest margin | 3.1177% | 5,203 |
| Noninterest income to average assets | 0.3655% | 4,748 |
| Noninterest expense to average assets | 1.9614% | 6,182 |
| Loan and lease loss provision to assets | 0.1498% | 2,376 |
| Net operating income to assets | 0.6998% | 3,685 |
| Return on assets (ROA) | 0.8562% | 3,006 |
| Pretax return on assets | 1.3016% | 2,226 |
| Return on Equity (ROE) | 6.5094% | 3,761 |
| Retained earnings to average equity (ytd only) | -11.2067% | 6,661 |
| Net charge-offs to loans | 0.3400% | 1,623 |
| Credit loss provision to net charge-offs | 66.7656% | 2,336 |
| Earnings coverage of net charge-offs (x) | 5.4125% | 2,369 |
| Efficiency ratio | 60.3774% | 5,535 |
| Assets per employee ($millions) | 6.2626% | 1,097 |
| Cash dividends to net income (ytd only)* | 272.1617% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 3,856 |
| Loan loss allowance to noncurrent loans | 50.1505% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 2.9424% | 1,531 |
| Noncurrent loans to loans | 2.9789% | 1,686 |
| Net loans and leases to total assets | 63.9733% | 2,713 |
| Net loans and leases to deposits | 82.1369% | 1,808 |
| Net loans and leases to core deposits | 101.4802% | 859 |
| Total domestic deposits to total assets | 77.8862% | 6,126 |
| Equity capital to assets | 12.9071% | 1,471 |
| Core capital (leverage) ratio | 11.0582% | 2,218 |
| Tier 1 risk-based capital ratio | 17.4151% | 2,595 |
| Total risk-based capital ratio | 18.6649% | 2,556 |
| Memoranda: | ||
| Average total assets | $600,796,000 | 1,127 |
| Average earning assets | $541,548,000 | 1,144 |
| Average equity | $79,024,500 | 931 |
| Average total loans | $396,420,500 | 1,072 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 4,334 |
| Cost of funding earning assets | 0.8627% | 2,195 |
| Net interest margin | 3.4042% | 4,868 |
| Noninterest income to average assets | 0.4490% | 4,251 |
| Noninterest expense to average assets | 2.1026% | 6,124 |
| Loan and lease loss provision to assets | 0.2765% | 2,438 |
| Net operating income to assets | 0.7611% | 3,461 |
| Return on assets (ROA) | 0.7808% | 3,613 |
| Pretax return on assets | 1.1796% | 2,869 |
| Return on Equity (ROE) | 5.5899% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.5899% | 2,325 |
| Net charge-offs to loans | 0.8548% | 1,340 |
| Credit loss provision to net charge-offs | 45.6688% | 4,795 |
| Earnings coverage of net charge-offs (x) | 2.3553% | 4,237 |
| Efficiency ratio | 58.1648% | 5,807 |
| Assets per employee ($millions) | 6.3198% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 3,839 |
| Loan loss allowance to noncurrent loans | 51.1046% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 3.0213% | 1,565 |
| Noncurrent loans to loans | 2.8910% | 1,810 |
| Net loans and leases to total assets | 66.0328% | 2,517 |
| Net loans and leases to deposits | 85.9245% | 1,527 |
| Net loans and leases to core deposits | 105.7144% | 703 |
| Total domestic deposits to total assets | 76.8498% | 6,250 |
| Equity capital to assets | 13.3999% | 1,271 |
| Core capital (leverage) ratio | 11.4535% | 1,908 |
| Tier 1 risk-based capital ratio | 17.8880% | 2,293 |
| Total risk-based capital ratio | 19.1421% | 2,263 |
| Memoranda: | ||
| Average total assets | $560,549,600 | 1,185 |
| Average earning assets | $507,104,200 | 1,192 |
| Average equity | $78,302,400 | 896 |
| Average total loans | $397,038,800 | 1,052 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 4,104 |
| Cost of funding earning assets | 0.9006% | 2,167 |
| Net interest margin | 3.4864% | 4,696 |
| Noninterest income to average assets | 0.4448% | 4,328 |
| Noninterest expense to average assets | 2.1574% | 6,042 |
| Loan and lease loss provision to assets | 0.2906% | 2,255 |
| Net operating income to assets | 0.7626% | 3,639 |
| Return on assets (ROA) | 0.7894% | 3,746 |
| Pretax return on assets | 1.1958% | 3,002 |
| Return on Equity (ROE) | 5.5893% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.5893% | 2,967 |
| Net charge-offs to loans | 1.1187% | 900 |
| Credit loss provision to net charge-offs | 36.1446% | 4,700 |
| Earnings coverage of net charge-offs (x) | 1.7982% | 4,366 |
| Efficiency ratio | 58.4582% | 5,722 |
| Assets per employee ($millions) | 5.9921% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 4,205 |
| Loan loss allowance to noncurrent loans | 51.5551% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 3.1685% | 1,628 |
| Noncurrent loans to loans | 2.7874% | 2,021 |
| Net loans and leases to total assets | 70.5319% | 1,810 |
| Net loans and leases to deposits | 91.9949% | 972 |
| Net loans and leases to core deposits | 105.8448% | 748 |
| Total domestic deposits to total assets | 76.6694% | 6,288 |
| Equity capital to assets | 14.4470% | 987 |
| Core capital (leverage) ratio | 12.2875% | 1,499 |
| Tier 1 risk-based capital ratio | 18.0079% | 2,341 |
| Total risk-based capital ratio | 18.8237% | 2,476 |
| Memoranda: | ||
| Average total assets | $550,592,250 | 1,230 |
| Average earning assets | $498,767,750 | 1,231 |
| Average equity | $77,765,500 | 908 |
| Average total loans | $395,700,500 | 1,063 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 4,099 |
| Cost of funding earning assets | 0.9223% | 2,244 |
| Net interest margin | 3.5000% | 4,669 |
| Noninterest income to average assets | 0.3252% | 5,225 |
| Noninterest expense to average assets | 2.1993% | 6,012 |
| Loan and lease loss provision to assets | 0.2907% | 2,256 |
| Net operating income to assets | 0.6763% | 3,992 |
| Return on assets (ROA) | 0.6763% | 4,256 |
| Pretax return on assets | 1.0099% | 3,664 |
| Return on Equity (ROE) | 4.8250% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.8250% | 3,389 |
| Net charge-offs to loans | 1.3754% | 746 |
| Credit loss provision to net charge-offs | 29.3686% | 4,453 |
| Earnings coverage of net charge-offs (x) | 1.3139% | 4,345 |
| Efficiency ratio | 61.3747% | 5,355 |
| Assets per employee ($millions) | 5.6517% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 4,136 |
| Loan loss allowance to noncurrent loans | 45.5994% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 3.6719% | 1,430 |
| Noncurrent loans to loans | 3.2351% | 1,801 |
| Net loans and leases to total assets | 72.9556% | 1,398 |
| Net loans and leases to deposits | 95.9615% | 638 |
| Net loans and leases to core deposits | 108.0869% | 660 |
| Total domestic deposits to total assets | 76.0260% | 6,453 |
| Equity capital to assets | 14.5548% | 904 |
| Core capital (leverage) ratio | 12.3440% | 1,422 |
| Tier 1 risk-based capital ratio | 17.6621% | 2,407 |
| Total risk-based capital ratio | 18.4770% | 2,534 |
| Memoranda: | ||
| Average total assets | $550,366,000 | 1,231 |
| Average earning assets | $499,201,670 | 1,234 |
| Average equity | $77,140,000 | 911 |
| Average total loans | $396,103,670 | 1,065 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 4,251 |
| Cost of funding earning assets | 0.9518% | 2,296 |
| Net interest margin | 3.4658% | 4,841 |
| Noninterest income to average assets | 0.3210% | 5,308 |
| Noninterest expense to average assets | 2.0679% | 6,343 |
| Loan and lease loss provision to assets | 0.3231% | 1,944 |
| Net operating income to assets | 0.7130% | 3,819 |
| Return on assets (ROA) | 0.7130% | 4,036 |
| Pretax return on assets | 1.0698% | 3,433 |
| Return on Equity (ROE) | 5.1829% | 4,699 |
| Retained earnings to average equity (ytd only) | 5.1829% | 3,451 |
| Net charge-offs to loans | 2.7053% | 289 |
| Credit loss provision to net charge-offs | 16.8287% | 3,826 |
| Earnings coverage of net charge-offs (x) | 0.7255% | 3,975 |
| Efficiency ratio | 58.2988% | 5,875 |
| Assets per employee ($millions) | 6.1378% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 4,606 |
| Loan loss allowance to noncurrent loans | 41.3232% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 3.4481% | 1,668 |
| Noncurrent loans to loans | 3.3921% | 1,861 |
| Net loans and leases to total assets | 70.8625% | 1,600 |
| Net loans and leases to deposits | 92.3838% | 771 |
| Net loans and leases to core deposits | 106.8530% | 645 |
| Total domestic deposits to total assets | 76.7045% | 6,453 |
| Equity capital to assets | 13.9581% | 1,038 |
| Core capital (leverage) ratio | 11.8137% | 1,704 |
| Tier 1 risk-based capital ratio | 17.4215% | 2,509 |
| Total risk-based capital ratio | 18.1714% | 2,667 |
| Memoranda: | ||
| Average total assets | $557,092,000 | 1,217 |
| Average earning assets | $504,703,000 | 1,220 |
| Average equity | $76,636,500 | 910 |
| Average total loans | $395,368,500 | 1,067 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 4,845 |
| Cost of funding earning assets | 1.2289% | 1,841 |
| Net interest margin | 3.3287% | 5,727 |
| Noninterest income to average assets | 0.3078% | 5,335 |
| Noninterest expense to average assets | 1.9954% | 6,678 |
| Loan and lease loss provision to assets | 0.9304% | 1,032 |
| Net operating income to assets | 0.3221% | 5,182 |
| Return on assets (ROA) | 0.3845% | 5,097 |
| Pretax return on assets | 0.4923% | 5,016 |
| Return on Equity (ROE) | 2.9219% | 5,318 |
| Retained earnings to average equity (ytd only) | 2.9219% | 4,156 |
| Net charge-offs to loans | 1.0740% | 1,608 |
| Credit loss provision to net charge-offs | 126.0901% | 2,473 |
| Earnings coverage of net charge-offs (x) | 1.8196% | 4,421 |
| Efficiency ratio | 57.2339% | 6,162 |
| Assets per employee ($millions) | 6.3839% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 5,432 |
| Loan loss allowance to noncurrent loans | 40.5634% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 3.0964% | 1,932 |
| Noncurrent loans to loans | 2.9391% | 2,213 |
| Net loans and leases to total assets | 69.2497% | 2,166 |
| Net loans and leases to deposits | 92.7499% | 905 |
| Net loans and leases to core deposits | 108.2463% | 689 |
| Total domestic deposits to total assets | 74.6628% | 6,656 |
| Equity capital to assets | 13.5584% | 1,239 |
| Core capital (leverage) ratio | 11.3258% | 2,020 |
| Tier 1 risk-based capital ratio | 16.3658% | 2,882 |
| Total risk-based capital ratio | 17.6159% | 2,849 |
| Memoranda: | ||
| Average total assets | $568,798,800 | 1,161 |
| Average earning assets | $517,796,800 | 1,154 |
| Average equity | $74,849,800 | 900 |
| Average total loans | $390,775,400 | 1,092 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 5,033 |
| Cost of funding earning assets | 1.2683% | 1,878 |
| Net interest margin | 3.2932% | 5,877 |
| Noninterest income to average assets | 0.2797% | 5,610 |
| Noninterest expense to average assets | 1.9083% | 6,839 |
| Loan and lease loss provision to assets | 0.3893% | 2,523 |
| Net operating income to assets | 0.6323% | 3,956 |
| Return on assets (ROA) | 0.7004% | 3,786 |
| Pretax return on assets | 1.0908% | 3,052 |
| Return on Equity (ROE) | 5.3622% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.3622% | 2,941 |
| Net charge-offs to loans | 0.4249% | 3,019 |
| Credit loss provision to net charge-offs | 134.0306% | 2,378 |
| Earnings coverage of net charge-offs (x) | 4.7297% | 2,980 |
| Efficiency ratio | 55.6711% | 6,325 |
| Assets per employee ($millions) | 6.8165% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 6,083 |
| Loan loss allowance to noncurrent loans | 31.3704% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 3.1992% | 1,997 |
| Noncurrent loans to loans | 3.3175% | 2,077 |
| Net loans and leases to total assets | 66.7918% | 2,716 |
| Net loans and leases to deposits | 86.8157% | 1,575 |
| Net loans and leases to core deposits | 103.2018% | 1,022 |
| Total domestic deposits to total assets | 76.9351% | 6,383 |
| Equity capital to assets | 13.3308% | 1,451 |
| Core capital (leverage) ratio | 11.1301% | 2,295 |
| Tier 1 risk-based capital ratio | 16.4123% | 2,904 |
| Total risk-based capital ratio | 17.5025% | 2,955 |
| Memoranda: | ||
| Average total assets | $570,552,000 | 1,168 |
| Average earning assets | $520,175,500 | 1,159 |
| Average equity | $74,520,000 | 912 |
| Average total loans | $390,037,000 | 1,104 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5914% | 4,999 |
| Cost of funding earning assets | 1.3031% | 1,922 |
| Net interest margin | 3.2883% | 5,891 |
| Noninterest income to average assets | 0.2464% | 5,885 |
| Noninterest expense to average assets | 1.8713% | 6,983 |
| Loan and lease loss provision to assets | 0.2720% | 3,218 |
| Net operating income to assets | 0.7072% | 3,504 |
| Return on assets (ROA) | 0.7310% | 3,496 |
| Pretax return on assets | 1.1434% | 2,689 |
| Return on Equity (ROE) | 5.6361% | 4,140 |
| Retained earnings to average equity (ytd only) | 5.6361% | 2,625 |
| Net charge-offs to loans | 0.2081% | 3,902 |
| Credit loss provision to net charge-offs | 190.4177% | 1,588 |
| Earnings coverage of net charge-offs (x) | 9.6486% | 1,895 |
| Efficiency ratio | 55.2327% | 6,486 |
| Assets per employee ($millions) | 7.0716% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 6,241 |
| Loan loss allowance to noncurrent loans | 35.4761% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 2.7651% | 2,421 |
| Noncurrent loans to loans | 2.8823% | 2,533 |
| Net loans and leases to total assets | 67.8925% | 2,639 |
| Net loans and leases to deposits | 87.3001% | 1,608 |
| Net loans and leases to core deposits | 106.1536% | 931 |
| Total domestic deposits to total assets | 77.7691% | 6,333 |
| Equity capital to assets | 13.3071% | 1,379 |
| Core capital (leverage) ratio | 11.0852% | 2,182 |
| Tier 1 risk-based capital ratio | 16.3324% | 2,817 |
| Total risk-based capital ratio | 17.4209% | 2,865 |
| Memoranda: | ||
| Average total assets | $569,874,670 | 1,176 |
| Average earning assets | $520,448,330 | 1,172 |
| Average equity | $73,916,670 | 919 |
| Average total loans | $391,229,000 | 1,107 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 5,011 |
| Cost of funding earning assets | 1.3407% | 1,946 |
| Net interest margin | 3.2442% | 5,939 |
| Noninterest income to average assets | 0.1930% | 6,340 |
| Noninterest expense to average assets | 1.8757% | 7,034 |
| Loan and lease loss provision to assets | 0.2098% | 3,546 |
| Net operating income to assets | 0.6891% | 3,558 |
| Return on assets (ROA) | 0.6896% | 3,627 |
| Pretax return on assets | 1.0749% | 2,854 |
| Return on Equity (ROE) | 5.3855% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.3855% | 2,960 |
| Net charge-offs to loans | 0.1863% | 3,380 |
| Credit loss provision to net charge-offs | 163.9344% | 1,766 |
| Earnings coverage of net charge-offs (x) | 10.0328% | 1,666 |
| Efficiency ratio | 56.7950% | 6,408 |
| Assets per employee ($millions) | 7.1173% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 6,582 |
| Loan loss allowance to noncurrent loans | 41.4058% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 2.4815% | 2,751 |
| Noncurrent loans to loans | 2.2742% | 3,228 |
| Net loans and leases to total assets | 68.6739% | 2,406 |
| Net loans and leases to deposits | 86.0873% | 1,717 |
| Net loans and leases to core deposits | 106.1885% | 929 |
| Total domestic deposits to total assets | 79.7724% | 6,000 |
| Equity capital to assets | 12.9689% | 1,395 |
| Core capital (leverage) ratio | 10.8012% | 2,354 |
| Tier 1 risk-based capital ratio | 15.7615% | 3,018 |
| Total risk-based capital ratio | 16.7647% | 3,104 |
| Memoranda: | ||
| Average total assets | $571,947,000 | 1,176 |
| Average earning assets | $523,027,500 | 1,172 |
| Average equity | $73,234,000 | 922 |
| Average total loans | $392,815,500 | 1,116 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 5,515 |
| Cost of funding earning assets | 1.6547% | 1,803 |
| Net interest margin | 3.1181% | 6,468 |
| Noninterest income to average assets | 0.2929% | 5,684 |
| Noninterest expense to average assets | 1.7500% | 7,305 |
| Loan and lease loss provision to assets | 0.4465% | 3,451 |
| Net operating income to assets | 0.6337% | 3,515 |
| Return on assets (ROA) | 0.7095% | 3,328 |
| Pretax return on assets | 1.0816% | 2,652 |
| Return on Equity (ROE) | 5.7200% | 3,726 |
| Retained earnings to average equity (ytd only) | 5.7200% | 1,979 |
| Net charge-offs to loans | 1.3080% | 1,706 |
| Credit loss provision to net charge-offs | 48.6389% | 6,283 |
| Earnings coverage of net charge-offs (x) | 1.5395% | 4,592 |
| Efficiency ratio | 51.8514% | 6,998 |
| Assets per employee ($millions) | 7.1814% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 6,660 |
| Loan loss allowance to noncurrent loans | 29.2005% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 2.8156% | 2,492 |
| Noncurrent loans to loans | 3.1548% | 2,413 |
| Net loans and leases to total assets | 67.4131% | 3,120 |
| Net loans and leases to deposits | 85.1241% | 2,258 |
| Net loans and leases to core deposits | 102.4032% | 1,423 |
| Total domestic deposits to total assets | 79.1939% | 6,033 |
| Equity capital to assets | 12.6412% | 1,555 |
| Core capital (leverage) ratio | 10.5038% | 2,553 |
| Tier 1 risk-based capital ratio | 15.2656% | 3,121 |
| Total risk-based capital ratio | 16.2250% | 3,218 |
| Memoranda: | ||
| Average total assets | $576,299,800 | 1,169 |
| Average earning assets | $530,477,400 | 1,151 |
| Average equity | $71,486,000 | 944 |
| Average total loans | $404,439,400 | 1,117 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 5,563 |
| Cost of funding earning assets | 1.7036% | 1,862 |
| Net interest margin | 3.1210% | 6,562 |
| Noninterest income to average assets | 0.2834% | 5,844 |
| Noninterest expense to average assets | 1.7188% | 7,426 |
| Loan and lease loss provision to assets | 0.3405% | 3,882 |
| Net operating income to assets | 0.7159% | 3,349 |
| Return on assets (ROA) | 0.8154% | 3,079 |
| Pretax return on assets | 1.2574% | 2,313 |
| Return on Equity (ROE) | 6.6046% | 3,526 |
| Retained earnings to average equity (ytd only) | 6.6046% | 2,038 |
| Net charge-offs to loans | 1.1652% | 1,752 |
| Credit loss provision to net charge-offs | 41.3300% | 6,000 |
| Earnings coverage of net charge-offs (x) | 1.7536% | 4,398 |
| Efficiency ratio | 51.3409% | 7,046 |
| Assets per employee ($millions) | 7.0455% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 6,099 |
| Loan loss allowance to noncurrent loans | 31.7359% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 2.6042% | 2,777 |
| Noncurrent loans to loans | 3.3532% | 2,373 |
| Net loans and leases to total assets | 67.9910% | 3,218 |
| Net loans and leases to deposits | 88.0955% | 1,996 |
| Net loans and leases to core deposits | 104.7455% | 1,419 |
| Total domestic deposits to total assets | 77.1787% | 6,443 |
| Equity capital to assets | 12.6120% | 1,803 |
| Core capital (leverage) ratio | 10.3328% | 2,878 |
| Tier 1 risk-based capital ratio | 14.6232% | 3,446 |
| Total risk-based capital ratio | 15.7153% | 3,500 |
| Memoranda: | ||
| Average total assets | $576,747,250 | 1,179 |
| Average earning assets | $532,256,500 | 1,161 |
| Average equity | $71,201,250 | 947 |
| Average total loans | $407,825,250 | 1,116 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8549% | 5,594 |
| Cost of funding earning assets | 1.7372% | 1,931 |
| Net interest margin | 3.1177% | 6,559 |
| Noninterest income to average assets | 0.2387% | 6,196 |
| Noninterest expense to average assets | 1.6838% | 7,511 |
| Loan and lease loss provision to assets | 0.2856% | 4,111 |
| Net operating income to assets | 0.7367% | 3,251 |
| Return on assets (ROA) | 0.8407% | 2,932 |
| Pretax return on assets | 1.3011% | 2,080 |
| Return on Equity (ROE) | 6.8594% | 3,364 |
| Retained earnings to average equity (ytd only) | 6.8594% | 1,897 |
| Net charge-offs to loans | 1.5770% | 1,202 |
| Credit loss provision to net charge-offs | 25.3699% | 5,798 |
| Earnings coverage of net charge-offs (x) | 1.2676% | 4,555 |
| Efficiency ratio | 51.3887% | 7,125 |
| Assets per employee ($millions) | 6.8529% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 6,538 |
| Loan loss allowance to noncurrent loans | 24.3788% | 6,718 |
| Noncurrent assets plus other real estate owned to assets | 3.1701% | 2,235 |
| Noncurrent loans to loans | 3.9649% | 1,925 |
| Net loans and leases to total assets | 71.0174% | 2,650 |
| Net loans and leases to deposits | 91.2834% | 1,654 |
| Net loans and leases to core deposits | 108.6733% | 1,248 |
| Total domestic deposits to total assets | 77.7988% | 6,311 |
| Equity capital to assets | 12.7700% | 1,662 |
| Core capital (leverage) ratio | 10.4099% | 2,703 |
| Tier 1 risk-based capital ratio | 13.9034% | 3,796 |
| Total risk-based capital ratio | 14.8818% | 3,946 |
| Memoranda: | ||
| Average total assets | $576,420,330 | 1,180 |
| Average earning assets | $530,966,000 | 1,158 |
| Average equity | $70,647,330 | 950 |
| Average total loans | $411,424,330 | 1,110 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 5,560 |
| Cost of funding earning assets | 1.7873% | 1,929 |
| Net interest margin | 3.0928% | 6,608 |
| Noninterest income to average assets | 0.2179% | 6,400 |
| Noninterest expense to average assets | 1.6503% | 7,621 |
| Loan and lease loss provision to assets | 0.2899% | 3,702 |
| Net operating income to assets | 0.7280% | 3,321 |
| Return on assets (ROA) | 0.7271% | 3,431 |
| Pretax return on assets | 1.1178% | 2,676 |
| Return on Equity (ROE) | 6.0549% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.0549% | 2,597 |
| Net charge-offs to loans | 0.3532% | 2,993 |
| Credit loss provision to net charge-offs | 115.2589% | 3,023 |
| Earnings coverage of net charge-offs (x) | 5.6022% | 2,364 |
| Efficiency ratio | 51.1425% | 7,225 |
| Assets per employee ($millions) | 7.4737% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 3,686 |
| Loan loss allowance to noncurrent loans | 42.2837% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 2.9363% | 2,443 |
| Noncurrent loans to loans | 3.6486% | 2,181 |
| Net loans and leases to total assets | 69.7691% | 2,993 |
| Net loans and leases to deposits | 91.3727% | 1,701 |
| Net loans and leases to core deposits | 96.5455% | 2,518 |
| Total domestic deposits to total assets | 76.3566% | 6,692 |
| Equity capital to assets | 12.1095% | 1,982 |
| Core capital (leverage) ratio | 9.7726% | 3,431 |
| Tier 1 risk-based capital ratio | 12.9940% | 4,339 |
| Total risk-based capital ratio | 14.2440% | 4,310 |
| Memoranda: | ||
| Average total assets | $583,663,500 | 1,188 |
| Average earning assets | $536,221,000 | 1,179 |
| Average equity | $70,091,500 | 955 |
| Average total loans | $415,653,500 | 1,132 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 6,643 |
| Cost of funding earning assets | 2.1231% | 2,352 |
| Net interest margin | 2.8056% | 7,052 |
| Noninterest income to average assets | 0.2387% | 6,379 |
| Noninterest expense to average assets | 3.2453% | 3,206 |
| Loan and lease loss provision to assets | 0.9025% | 2,492 |
| Net operating income to assets | -1.3596% | 6,795 |
| Return on assets (ROA) | -1.3674% | 6,799 |
| Pretax return on assets | -1.3418% | 6,622 |
| Return on Equity (ROE) | -11.4730% | 6,731 |
| Retained earnings to average equity (ytd only) | -11.4730% | 6,639 |
| Net charge-offs to loans | 0.6836% | 3,136 |
| Credit loss provision to net charge-offs | 191.4512% | 2,085 |
| Earnings coverage of net charge-offs (x) | -0.9152% | 6,863 |
| Efficiency ratio | 55.3015% | 7,097 |
| Assets per employee ($millions) | 7.4920% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 3,664 |
| Loan loss allowance to noncurrent loans | 44.1316% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 2.6349% | 2,667 |
| Noncurrent loans to loans | 3.4226% | 2,227 |
| Net loans and leases to total assets | 70.4850% | 3,135 |
| Net loans and leases to deposits | 91.1096% | 2,030 |
| Net loans and leases to core deposits | 99.0199% | 4,107 |
| Total domestic deposits to total assets | 77.3629% | 6,375 |
| Equity capital to assets | 11.9086% | 2,079 |
| Core capital (leverage) ratio | 9.5451% | 3,667 |
| Tier 1 risk-based capital ratio | 12.5033% | 4,523 |
| Total risk-based capital ratio | 13.7533% | 4,470 |
| Memoranda: | ||
| Average total assets | $615,384,000 | 1,123 |
| Average earning assets | $564,841,800 | 1,115 |
| Average equity | $73,345,800 | 888 |
| Average total loans | $424,387,600 | 1,130 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 6,876 |
| Cost of funding earning assets | 2.1481% | 2,663 |
| Net interest margin | 2.7554% | 7,125 |
| Noninterest income to average assets | 0.2514% | 6,435 |
| Noninterest expense to average assets | 3.7284% | 1,754 |
| Loan and lease loss provision to assets | 0.3571% | 4,181 |
| Net operating income to assets | -1.5476% | 7,137 |
| Return on assets (ROA) | -1.5476% | 7,134 |
| Pretax return on assets | -1.3003% | 6,863 |
| Return on Equity (ROE) | -12.9822% | 7,073 |
| Retained earnings to average equity (ytd only) | -12.9822% | 7,007 |
| Net charge-offs to loans | 0.1036% | 5,640 |
| Credit loss provision to net charge-offs | 504.2296% | 778 |
| Earnings coverage of net charge-offs (x) | -13.3173% | 6,921 |
| Efficiency ratio | 55.5043% | 7,066 |
| Assets per employee ($millions) | 7.8152% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 4,867 |
| Loan loss allowance to noncurrent loans | 43.2290% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 2.1271% | 3,193 |
| Noncurrent loans to loans | 2.8810% | 2,642 |
| Net loans and leases to total assets | 68.9420% | 3,723 |
| Net loans and leases to deposits | 90.9779% | 2,394 |
| Net loans and leases to core deposits | 100.3102% | 4,335 |
| Total domestic deposits to total assets | 75.7788% | 6,623 |
| Equity capital to assets | 11.7647% | 2,388 |
| Core capital (leverage) ratio | 9.4549% | 3,970 |
| Tier 1 risk-based capital ratio | 12.8286% | 4,307 |
| Total risk-based capital ratio | 14.0778% | 4,245 |
| Memoranda: | ||
| Average total assets | $623,135,500 | 1,128 |
| Average earning assets | $573,024,500 | 1,116 |
| Average equity | $74,284,500 | 883 |
| Average total loans | $425,930,500 | 1,142 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9108% | 7,009 |
| Cost of funding earning assets | 2.1787% | 2,894 |
| Net interest margin | 2.7321% | 7,134 |
| Noninterest income to average assets | 0.2634% | 6,389 |
| Noninterest expense to average assets | 4.6200% | 681 |
| Loan and lease loss provision to assets | 0.2123% | 4,922 |
| Net operating income to assets | -2.3949% | 7,535 |
| Return on assets (ROA) | -2.3949% | 7,529 |
| Pretax return on assets | -2.0703% | 7,308 |
| Return on Equity (ROE) | -20.0060% | 7,501 |
| Retained earnings to average equity (ytd only) | -20.0060% | 7,453 |
| Net charge-offs to loans | 0.1243% | 4,920 |
| Credit loss provision to net charge-offs | 251.5038% | 1,851 |
| Earnings coverage of net charge-offs (x) | -22.0113% | 6,569 |
| Efficiency ratio | 55.5377% | 7,162 |
| Assets per employee ($millions) | 7.2609% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 6,096 |
| Loan loss allowance to noncurrent loans | 43.7443% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 1.8073% | 3,461 |
| Noncurrent loans to loans | 2.3255% | 3,111 |
| Net loans and leases to total assets | 69.3766% | 3,853 |
| Net loans and leases to deposits | 94.0337% | 2,084 |
| Net loans and leases to core deposits | 104.6018% | 4,001 |
| Total domestic deposits to total assets | 73.7785% | 6,982 |
| Equity capital to assets | 11.6356% | 2,439 |
| Core capital (leverage) ratio | 9.3654% | 4,078 |
| Tier 1 risk-based capital ratio | 12.5246% | 4,504 |
| Total risk-based capital ratio | 13.5337% | 4,606 |
| Memoranda: | ||
| Average total assets | $630,258,330 | 1,132 |
| Average earning assets | $576,399,670 | 1,128 |
| Average equity | $75,447,330 | 878 |
| Average total loans | $427,873,330 | 1,164 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9517% | 7,052 |
| Cost of funding earning assets | 2.1198% | 3,558 |
| Net interest margin | 2.8319% | 6,924 |
| Noninterest income to average assets | 0.2714% | 6,267 |
| Noninterest expense to average assets | 1.5707% | 7,928 |
| Loan and lease loss provision to assets | 0.1491% | 5,025 |
| Net operating income to assets | 0.7049% | 3,531 |
| Return on assets (ROA) | 0.7049% | 3,724 |
| Pretax return on assets | 1.1154% | 2,932 |
| Return on Equity (ROE) | 5.8124% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.8124% | 2,720 |
| Net charge-offs to loans | 0.0762% | 4,417 |
| Credit loss provision to net charge-offs | 292.6829% | 1,659 |
| Earnings coverage of net charge-offs (x) | 24.8293% | 1,229 |
| Efficiency ratio | 50.5367% | 7,546 |
| Assets per employee ($millions) | 7.9591% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 6,487 |
| Loan loss allowance to noncurrent loans | 67.8213% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 4,483 |
| Noncurrent loans to loans | 1.4015% | 4,211 |
| Net loans and leases to total assets | 66.3315% | 4,510 |
| Net loans and leases to deposits | 89.1147% | 3,086 |
| Net loans and leases to core deposits | 98.1069% | 4,731 |
| Total domestic deposits to total assets | 74.4339% | 6,812 |
| Equity capital to assets | 12.3765% | 2,043 |
| Core capital (leverage) ratio | 8.8654% | 4,899 |
| Tier 1 risk-based capital ratio | 12.2160% | 4,777 |
| Total risk-based capital ratio | 13.1552% | 4,949 |
| Memoranda: | ||
| Average total assets | $644,059,000 | 1,106 |
| Average earning assets | $583,070,500 | 1,120 |
| Average equity | $78,109,500 | 843 |
| Average total loans | $430,610,000 | 1,171 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6696% | 6,866 |
| Cost of funding earning assets | 2.8423% | 2,514 |
| Net interest margin | 2.8274% | 7,285 |
| Noninterest income to average assets | 0.2003% | 7,019 |
| Noninterest expense to average assets | 1.6474% | 7,918 |
| Loan and lease loss provision to assets | 0.1649% | 5,277 |
| Net operating income to assets | 0.6207% | 4,221 |
| Return on assets (ROA) | 0.6207% | 4,075 |
| Pretax return on assets | 0.9647% | 3,504 |
| Return on Equity (ROE) | 3.7143% | 4,938 |
| Retained earnings to average equity (ytd only) | 3.7143% | 2,827 |
| Net charge-offs to loans | 0.0496% | 6,083 |
| Credit loss provision to net charge-offs | 468.0723% | 943 |
| Earnings coverage of net charge-offs (x) | 32.0663% | 1,117 |
| Efficiency ratio | 55.2270% | 7,121 |
| Assets per employee ($millions) | 8.2454% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 6,699 |
| Loan loss allowance to noncurrent loans | 60.0802% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 1.0924% | 4,103 |
| Noncurrent loans to loans | 1.4910% | 3,564 |
| Net loans and leases to total assets | 66.1540% | 4,818 |
| Net loans and leases to deposits | 92.6473% | 3,021 |
| Net loans and leases to core deposits | 100.5106% | 4,776 |
| Total domestic deposits to total assets | 71.4042% | 7,104 |
| Equity capital to assets | 11.8844% | 2,366 |
| Core capital (leverage) ratio | 8.4522% | 5,651 |
| Tier 1 risk-based capital ratio | 12.2439% | 4,635 |
| Total risk-based capital ratio | 13.1707% | 4,781 |
| Memoranda: | ||
| Average total assets | $471,214,800 | 1,465 |
| Average earning assets | $429,446,200 | 1,454 |
| Average equity | $78,749,200 | 844 |
| Average total loans | $334,886,800 | 1,451 |