Home > First Commercial Bank > Performance and Condition Ratios
First Commercial Bank, Performance and Condition Ratios
| 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 | 4.6861% | 1,122 |
| Cost of funding earning assets | 0.4022% | 3,203 |
| Net interest margin | 4.2839% | 991 |
| Noninterest income to average assets | 0.7824% | 1,872 |
| Noninterest expense to average assets | 4.5313% | 401 |
| Loan and lease loss provision to assets | 0.2168% | 881 |
| Net operating income to assets | -0.0014% | 5,939 |
| Return on assets (ROA) | 0.0049% | 5,967 |
| Pretax return on assets | -0.0361% | 5,987 |
| Return on Equity (ROE) | 0.0409% | 5,967 |
| Retained earnings to average equity (ytd only) | 0.0409% | 5,584 |
| Net charge-offs to loans | -0.0094% | 4,969 |
| Credit loss provision to net charge-offs | -3,240.0000% | 5,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2812% | 408 |
| Assets per employee ($millions) | 3.4465% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0497% | 846 |
| Loan loss allowance to noncurrent loans | 202.5943% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8266% | 2,808 |
| Noncurrent loans to loans | 1.0117% | 2,454 |
| Net loans and leases to total assets | 70.8948% | 2,252 |
| Net loans and leases to deposits | 83.4079% | 2,469 |
| Net loans and leases to core deposits | 94.6139% | 2,023 |
| Total domestic deposits to total assets | 84.9977% | 3,005 |
| Equity capital to assets | 12.2632% | 1,898 |
| Core capital (leverage) ratio | 11.4169% | 2,109 |
| Tier 1 risk-based capital ratio | 15.4540% | 3,073 |
| Total risk-based capital ratio | 16.7125% | 2,997 |
| Memoranda: | ||
| Average total assets | $298,890,500 | 2,167 |
| Average earning assets | $273,483,250 | 2,200 |
| Average equity | $35,907,250 | 1,995 |
| Average total loans | $213,362,250 | 1,976 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 1,500 |
| Cost of funding earning assets | 0.4009% | 3,265 |
| Net interest margin | 4.1092% | 1,329 |
| Noninterest income to average assets | 0.6894% | 2,256 |
| Noninterest expense to average assets | 3.3859% | 1,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7199% | 3,793 |
| Return on assets (ROA) | 0.7298% | 3,856 |
| Pretax return on assets | 1.0787% | 3,264 |
| Return on Equity (ROE) | 6.1151% | 4,072 |
| Retained earnings to average equity (ytd only) | 6.1151% | 2,163 |
| Net charge-offs to loans | -0.0317% | 5,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9970% | 2,357 |
| Assets per employee ($millions) | 3.5087% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 1,394 |
| Loan loss allowance to noncurrent loans | 138.8828% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 1.2657% | 1,984 |
| Noncurrent loans to loans | 1.2872% | 2,097 |
| Net loans and leases to total assets | 70.5324% | 2,238 |
| Net loans and leases to deposits | 83.9381% | 2,319 |
| Net loans and leases to core deposits | 95.0869% | 1,868 |
| Total domestic deposits to total assets | 84.0291% | 3,551 |
| Equity capital to assets | 12.2444% | 1,841 |
| Core capital (leverage) ratio | 11.6614% | 1,872 |
| Tier 1 risk-based capital ratio | 15.0688% | 3,316 |
| Total risk-based capital ratio | 16.3235% | 3,257 |
| Memoranda: | ||
| Average total assets | $302,018,000 | 2,174 |
| Average earning assets | $276,402,330 | 2,188 |
| Average equity | $36,042,000 | 1,999 |
| Average total loans | $214,636,000 | 1,977 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 1,514 |
| Cost of funding earning assets | 0.4011% | 3,296 |
| Net interest margin | 4.0811% | 1,329 |
| Noninterest income to average assets | 0.6305% | 2,494 |
| Noninterest expense to average assets | 3.3418% | 1,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6936% | 3,832 |
| Return on assets (ROA) | 0.6936% | 3,958 |
| Pretax return on assets | 1.0253% | 3,403 |
| Return on Equity (ROE) | 5.8876% | 4,082 |
| Retained earnings to average equity (ytd only) | 5.8876% | 2,555 |
| Net charge-offs to loans | -0.0335% | 5,317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4316% | 2,442 |
| Assets per employee ($millions) | 3.5410% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 1,546 |
| Loan loss allowance to noncurrent loans | 97.4949% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.3900% | 1,910 |
| Noncurrent loans to loans | 1.8221% | 1,484 |
| Net loans and leases to total assets | 69.2493% | 2,244 |
| Net loans and leases to deposits | 82.9505% | 2,212 |
| Net loans and leases to core deposits | 93.2643% | 1,830 |
| Total domestic deposits to total assets | 83.4827% | 4,011 |
| Equity capital to assets | 11.8559% | 2,144 |
| Core capital (leverage) ratio | 11.4433% | 2,043 |
| Tier 1 risk-based capital ratio | 14.0951% | 3,944 |
| Total risk-based capital ratio | 15.3489% | 3,870 |
| Memoranda: | ||
| Average total assets | $303,905,500 | 2,175 |
| Average earning assets | $278,258,000 | 2,186 |
| Average equity | $35,804,000 | 2,021 |
| Average total loans | $214,860,500 | 1,979 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 1,434 |
| Cost of funding earning assets | 0.4614% | 3,060 |
| Net interest margin | 4.1833% | 1,349 |
| Noninterest income to average assets | 0.8261% | 1,770 |
| Noninterest expense to average assets | 3.5511% | 1,386 |
| Loan and lease loss provision to assets | 0.0739% | 3,005 |
| Net operating income to assets | 0.6377% | 4,202 |
| Return on assets (ROA) | 0.6421% | 4,283 |
| Pretax return on assets | 0.9994% | 3,499 |
| Return on Equity (ROE) | 5.7117% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.7117% | 2,127 |
| Net charge-offs to loans | 0.8368% | 405 |
| Credit loss provision to net charge-offs | 12.3700% | 4,072 |
| Earnings coverage of net charge-offs (x) | 1.7854% | 4,333 |
| Efficiency ratio | 76.8196% | 2,387 |
| Assets per employee ($millions) | 3.3699% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 1,614 |
| Loan loss allowance to noncurrent loans | 100.1584% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.3558% | 2,062 |
| Noncurrent loans to loans | 1.7621% | 1,636 |
| Net loans and leases to total assets | 69.6473% | 2,285 |
| Net loans and leases to deposits | 81.7063% | 2,512 |
| Net loans and leases to core deposits | 90.8814% | 2,194 |
| Total domestic deposits to total assets | 85.2411% | 3,188 |
| Equity capital to assets | 11.7064% | 2,249 |
| Core capital (leverage) ratio | 10.5116% | 2,934 |
| Tier 1 risk-based capital ratio | 13.5703% | 4,374 |
| Total risk-based capital ratio | 14.8217% | 4,304 |
| Memoranda: | ||
| Average total assets | $305,879,000 | 2,128 |
| Average earning assets | $277,223,000 | 2,154 |
| Average equity | $34,385,400 | 2,028 |
| Average total loans | $218,335,200 | 1,913 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6420% | 1,456 |
| Cost of funding earning assets | 0.4740% | 3,015 |
| Net interest margin | 4.1680% | 1,383 |
| Noninterest income to average assets | 0.8173% | 1,826 |
| Noninterest expense to average assets | 3.5276% | 1,417 |
| Loan and lease loss provision to assets | 0.0983% | 2,401 |
| Net operating income to assets | 0.6261% | 4,325 |
| Return on assets (ROA) | 0.6320% | 4,398 |
| Pretax return on assets | 0.9717% | 3,711 |
| Return on Equity (ROE) | 5.6802% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.6802% | 2,620 |
| Net charge-offs to loans | 0.0316% | 3,854 |
| Credit loss provision to net charge-offs | 434.6154% | 653 |
| Earnings coverage of net charge-offs (x) | 46.9049% | 1,018 |
| Efficiency ratio | 76.7940% | 2,375 |
| Assets per employee ($millions) | 3.4696% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5417% | 614 |
| Loan loss allowance to noncurrent loans | 83.2088% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 2.4309% | 1,102 |
| Noncurrent loans to loans | 3.0546% | 866 |
| Net loans and leases to total assets | 70.7545% | 2,068 |
| Net loans and leases to deposits | 83.3612% | 2,245 |
| Net loans and leases to core deposits | 93.2134% | 1,937 |
| Total domestic deposits to total assets | 84.8770% | 3,391 |
| Equity capital to assets | 11.5766% | 2,410 |
| Core capital (leverage) ratio | 11.0037% | 2,477 |
| Tier 1 risk-based capital ratio | 13.9251% | 4,272 |
| Total risk-based capital ratio | 15.1887% | 4,206 |
| Memoranda: | ||
| Average total assets | $306,526,750 | 2,131 |
| Average earning assets | $277,346,250 | 2,160 |
| Average equity | $34,105,750 | 2,047 |
| Average total loans | $219,162,250 | 1,922 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 1,382 |
| Cost of funding earning assets | 0.4835% | 2,992 |
| Net interest margin | 4.1728% | 1,304 |
| Noninterest income to average assets | 0.7907% | 1,876 |
| Noninterest expense to average assets | 3.4711% | 1,532 |
| Loan and lease loss provision to assets | 0.1461% | 1,690 |
| Net operating income to assets | 0.6155% | 4,275 |
| Return on assets (ROA) | 0.6245% | 4,322 |
| Pretax return on assets | 0.9523% | 3,672 |
| Return on Equity (ROE) | 5.6879% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.6879% | 2,521 |
| Net charge-offs to loans | 0.0511% | 3,242 |
| Credit loss provision to net charge-offs | 401.7857% | 691 |
| Earnings coverage of net charge-offs (x) | 29.8393% | 1,260 |
| Efficiency ratio | 76.1043% | 2,609 |
| Assets per employee ($millions) | 3.3251% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5552% | 664 |
| Loan loss allowance to noncurrent loans | 117.4298% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.7597% | 1,846 |
| Noncurrent loans to loans | 2.1760% | 1,512 |
| Net loans and leases to total assets | 69.3745% | 2,173 |
| Net loans and leases to deposits | 81.2585% | 2,352 |
| Net loans and leases to core deposits | 90.9154% | 2,038 |
| Total domestic deposits to total assets | 85.3750% | 3,336 |
| Equity capital to assets | 11.2547% | 2,655 |
| Core capital (leverage) ratio | 9.9781% | 3,648 |
| Tier 1 risk-based capital ratio | 12.1409% | 5,457 |
| Total risk-based capital ratio | 13.4029% | 5,365 |
| Memoranda: | ||
| Average total assets | $308,083,000 | 2,117 |
| Average earning assets | $277,991,670 | 2,158 |
| Average equity | $33,826,000 | 2,053 |
| Average total loans | $219,167,000 | 1,907 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 1,402 |
| Cost of funding earning assets | 0.4880% | 3,030 |
| Net interest margin | 4.1510% | 1,338 |
| Noninterest income to average assets | 0.7219% | 2,074 |
| Noninterest expense to average assets | 3.3600% | 1,806 |
| Loan and lease loss provision to assets | 0.2174% | 1,048 |
| Net operating income to assets | 0.5963% | 4,215 |
| Return on assets (ROA) | 0.6145% | 4,204 |
| Pretax return on assets | 0.9134% | 3,651 |
| Return on Equity (ROE) | 5.6675% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.6675% | 2,707 |
| Net charge-offs to loans | -0.0655% | 5,932 |
| Credit loss provision to net charge-offs | -466.6667% | 5,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1884% | 2,929 |
| Assets per employee ($millions) | 3.3808% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5294% | 787 |
| Loan loss allowance to noncurrent loans | 115.5592% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.9901% | 1,723 |
| Noncurrent loans to loans | 2.1888% | 1,663 |
| Net loans and leases to total assets | 69.3794% | 1,998 |
| Net loans and leases to deposits | 81.3535% | 2,122 |
| Net loans and leases to core deposits | 90.5659% | 1,868 |
| Total domestic deposits to total assets | 85.2814% | 3,728 |
| Equity capital to assets | 10.8608% | 2,864 |
| Core capital (leverage) ratio | 9.7769% | 3,892 |
| Tier 1 risk-based capital ratio | 12.4566% | 5,341 |
| Total risk-based capital ratio | 13.6709% | 5,297 |
| Memoranda: | ||
| Average total assets | $309,170,500 | 2,117 |
| Average earning assets | $278,678,500 | 2,155 |
| Average equity | $33,524,500 | 2,056 |
| Average total loans | $219,857,000 | 1,896 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 1,715 |
| Cost of funding earning assets | 0.5578% | 3,044 |
| Net interest margin | 4.0929% | 1,665 |
| Noninterest income to average assets | 1.1378% | 1,083 |
| Noninterest expense to average assets | 3.5587% | 1,529 |
| Loan and lease loss provision to assets | 1.8699% | 55 |
| Net operating income to assets | -0.3155% | 6,424 |
| Return on assets (ROA) | -0.3155% | 6,440 |
| Pretax return on assets | -0.5767% | 6,504 |
| Return on Equity (ROE) | -2.8170% | 6,421 |
| Retained earnings to average equity (ytd only) | -3.9517% | 6,317 |
| Net charge-offs to loans | 1.7734% | 235 |
| Credit loss provision to net charge-offs | 149.0251% | 1,559 |
| Earnings coverage of net charge-offs (x) | 1.0306% | 4,730 |
| Efficiency ratio | 73.2678% | 3,248 |
| Assets per employee ($millions) | 3.2692% | 5,345 |
| Cash dividends to net income (ytd only)* | -40.2820% | 6,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4712% | 849 |
| Loan loss allowance to noncurrent loans | 114.4949% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.9707% | 1,823 |
| Noncurrent loans to loans | 2.1583% | 1,821 |
| Net loans and leases to total assets | 69.2875% | 2,127 |
| Net loans and leases to deposits | 80.0770% | 2,448 |
| Net loans and leases to core deposits | 89.1996% | 2,117 |
| Total domestic deposits to total assets | 86.5261% | 2,980 |
| Equity capital to assets | 10.8257% | 2,790 |
| Core capital (leverage) ratio | 9.4255% | 4,375 |
| Tier 1 risk-based capital ratio | 12.5305% | 5,270 |
| Total risk-based capital ratio | 13.7935% | 5,221 |
| Memoranda: | ||
| Average total assets | $314,722,000 | 2,043 |
| Average earning assets | $285,588,800 | 2,070 |
| Average equity | $35,250,400 | 1,959 |
| Average total loans | $222,684,600 | 1,838 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5992% | 1,907 |
| Cost of funding earning assets | 0.5671% | 3,106 |
| Net interest margin | 4.0321% | 1,838 |
| Noninterest income to average assets | 1.1843% | 1,046 |
| Noninterest expense to average assets | 3.5201% | 1,569 |
| Loan and lease loss provision to assets | 0.2224% | 1,636 |
| Net operating income to assets | 0.7332% | 3,681 |
| Return on assets (ROA) | 0.7332% | 3,812 |
| Pretax return on assets | 1.1072% | 3,085 |
| Return on Equity (ROE) | 6.4938% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.4938% | 2,133 |
| Net charge-offs to loans | 0.0858% | 3,724 |
| Credit loss provision to net charge-offs | 366.6667% | 716 |
| Earnings coverage of net charge-offs (x) | 21.9231% | 1,526 |
| Efficiency ratio | 72.5054% | 3,315 |
| Assets per employee ($millions) | 3.3889% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 2,576 |
| Loan loss allowance to noncurrent loans | 42.3581% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 3.3211% | 1,060 |
| Noncurrent loans to loans | 4.0514% | 850 |
| Net loans and leases to total assets | 69.8531% | 1,999 |
| Net loans and leases to deposits | 82.2738% | 2,106 |
| Net loans and leases to core deposits | 90.6144% | 1,912 |
| Total domestic deposits to total assets | 84.9032% | 3,790 |
| Equity capital to assets | 11.5748% | 2,240 |
| Core capital (leverage) ratio | 10.6232% | 2,867 |
| Tier 1 risk-based capital ratio | 13.7789% | 4,583 |
| Total risk-based capital ratio | 15.0373% | 4,531 |
| Memoranda: | ||
| Average total assets | $316,576,250 | 2,041 |
| Average earning assets | $287,785,000 | 2,070 |
| Average equity | $35,746,000 | 1,942 |
| Average total loans | $223,776,000 | 1,831 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,976 |
| Cost of funding earning assets | 0.5745% | 3,173 |
| Net interest margin | 3.9895% | 1,899 |
| Noninterest income to average assets | 1.2629% | 967 |
| Noninterest expense to average assets | 3.4613% | 1,694 |
| Loan and lease loss provision to assets | 0.2321% | 1,610 |
| Net operating income to assets | 0.7923% | 3,334 |
| Return on assets (ROA) | 0.7923% | 3,496 |
| Pretax return on assets | 1.2055% | 2,652 |
| Return on Equity (ROE) | 7.0758% | 3,554 |
| Retained earnings to average equity (ytd only) | 7.0758% | 1,859 |
| Net charge-offs to loans | 0.0456% | 4,038 |
| Credit loss provision to net charge-offs | 721.5686% | 416 |
| Earnings coverage of net charge-offs (x) | 44.6863% | 860 |
| Efficiency ratio | 70.5769% | 3,716 |
| Assets per employee ($millions) | 3.2654% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 2,835 |
| Loan loss allowance to noncurrent loans | 43.5741% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 3.5632% | 1,058 |
| Noncurrent loans to loans | 3.8658% | 1,037 |
| Net loans and leases to total assets | 72.5908% | 1,462 |
| Net loans and leases to deposits | 85.1137% | 1,671 |
| Net loans and leases to core deposits | 93.3860% | 1,578 |
| Total domestic deposits to total assets | 85.2868% | 3,747 |
| Equity capital to assets | 11.8553% | 2,002 |
| Core capital (leverage) ratio | 10.6853% | 2,684 |
| Tier 1 risk-based capital ratio | 13.7069% | 4,640 |
| Total risk-based capital ratio | 14.9614% | 4,600 |
| Memoranda: | ||
| Average total assets | $317,046,000 | 2,041 |
| Average earning assets | $288,960,330 | 2,062 |
| Average equity | $35,501,330 | 1,959 |
| Average total loans | $223,702,000 | 1,828 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 2,082 |
| Cost of funding earning assets | 0.5816% | 3,277 |
| Net interest margin | 3.9437% | 1,965 |
| Noninterest income to average assets | 1.4605% | 725 |
| Noninterest expense to average assets | 3.4301% | 1,764 |
| Loan and lease loss provision to assets | 0.1977% | 1,876 |
| Net operating income to assets | 0.9304% | 2,523 |
| Return on assets (ROA) | 0.9304% | 2,660 |
| Pretax return on assets | 1.4271% | 1,777 |
| Return on Equity (ROE) | 8.5446% | 2,693 |
| Retained earnings to average equity (ytd only) | 8.5446% | 1,545 |
| Net charge-offs to loans | 0.0412% | 3,460 |
| Credit loss provision to net charge-offs | 695.6522% | 408 |
| Earnings coverage of net charge-offs (x) | 57.1739% | 614 |
| Efficiency ratio | 67.7829% | 4,350 |
| Assets per employee ($millions) | 3.5120% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 3,162 |
| Loan loss allowance to noncurrent loans | 72.9911% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.2538% | 2,072 |
| Noncurrent loans to loans | 2.2765% | 2,298 |
| Net loans and leases to total assets | 65.8857% | 2,383 |
| Net loans and leases to deposits | 77.5132% | 2,418 |
| Net loans and leases to core deposits | 84.3570% | 2,286 |
| Total domestic deposits to total assets | 84.9993% | 4,037 |
| Equity capital to assets | 11.0320% | 2,925 |
| Core capital (leverage) ratio | 10.1565% | 3,204 |
| Tier 1 risk-based capital ratio | 13.4872% | 4,882 |
| Total risk-based capital ratio | 14.7399% | 4,838 |
| Memoranda: | ||
| Average total assets | $323,726,000 | 2,026 |
| Average earning assets | $295,055,000 | 2,036 |
| Average equity | $35,250,500 | 2,003 |
| Average total loans | $223,440,500 | 1,840 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 1,493 |
| Cost of funding earning assets | 0.7238% | 3,298 |
| Net interest margin | 4.3004% | 1,402 |
| Noninterest income to average assets | 1.2309% | 1,025 |
| Noninterest expense to average assets | 3.6967% | 1,424 |
| Loan and lease loss provision to assets | 0.2079% | 3,063 |
| Net operating income to assets | 0.8120% | 3,234 |
| Return on assets (ROA) | 0.8218% | 3,431 |
| Pretax return on assets | 1.2572% | 2,584 |
| Return on Equity (ROE) | 7.6189% | 3,278 |
| Retained earnings to average equity (ytd only) | 6.1337% | 1,998 |
| Net charge-offs to loans | 0.2896% | 3,207 |
| Credit loss provision to net charge-offs | 99.2355% | 3,122 |
| Earnings coverage of net charge-offs (x) | 6.9205% | 2,709 |
| Efficiency ratio | 71.7505% | 3,468 |
| Assets per employee ($millions) | 3.4876% | 5,027 |
| Cash dividends to net income (ytd only)* | 19.4932% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 3,739 |
| Loan loss allowance to noncurrent loans | 67.2498% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 2.2618% | 2,170 |
| Noncurrent loans to loans | 2.2330% | 2,426 |
| Net loans and leases to total assets | 69.9695% | 1,845 |
| Net loans and leases to deposits | 81.5923% | 2,058 |
| Net loans and leases to core deposits | 88.8708% | 1,984 |
| Total domestic deposits to total assets | 85.7551% | 3,482 |
| Equity capital to assets | 10.7465% | 3,222 |
| Core capital (leverage) ratio | 9.7005% | 3,805 |
| Tier 1 risk-based capital ratio | 12.8534% | 5,213 |
| Total risk-based capital ratio | 14.1044% | 5,154 |
| Memoranda: | ||
| Average total assets | $312,118,800 | 2,059 |
| Average earning assets | $284,207,400 | 2,081 |
| Average equity | $33,666,200 | 2,052 |
| Average total loans | $225,837,000 | 1,802 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0785% | 1,478 |
| Cost of funding earning assets | 0.7538% | 3,324 |
| Net interest margin | 4.3246% | 1,410 |
| Noninterest income to average assets | 1.2174% | 1,007 |
| Noninterest expense to average assets | 3.6648% | 1,423 |
| Loan and lease loss provision to assets | 0.2053% | 3,020 |
| Net operating income to assets | 0.8447% | 3,235 |
| Return on assets (ROA) | 0.8581% | 3,427 |
| Pretax return on assets | 1.3076% | 2,574 |
| Return on Equity (ROE) | 7.9473% | 3,305 |
| Retained earnings to average equity (ytd only) | 5.9495% | 2,727 |
| Net charge-offs to loans | 0.2474% | 3,237 |
| Credit loss provision to net charge-offs | 114.1487% | 2,556 |
| Earnings coverage of net charge-offs (x) | 8.2973% | 2,469 |
| Efficiency ratio | 70.9829% | 3,508 |
| Assets per employee ($millions) | 3.5211% | 4,931 |
| Cash dividends to net income (ytd only)* | 25.1383% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 3,840 |
| Loan loss allowance to noncurrent loans | 71.8948% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.2122% | 2,421 |
| Noncurrent loans to loans | 2.1214% | 2,703 |
| Net loans and leases to total assets | 68.7647% | 2,163 |
| Net loans and leases to deposits | 80.3331% | 2,339 |
| Net loans and leases to core deposits | 87.3452% | 2,302 |
| Total domestic deposits to total assets | 85.5995% | 3,461 |
| Equity capital to assets | 10.3523% | 4,016 |
| Core capital (leverage) ratio | 10.1080% | 3,399 |
| Tier 1 risk-based capital ratio | 12.4126% | 5,696 |
| Total risk-based capital ratio | 13.6648% | 5,665 |
| Memoranda: | ||
| Average total assets | $309,061,750 | 2,106 |
| Average earning assets | $281,574,000 | 2,111 |
| Average equity | $33,368,750 | 2,081 |
| Average total loans | $224,695,250 | 1,826 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0885% | 1,531 |
| Cost of funding earning assets | 0.8025% | 3,169 |
| Net interest margin | 4.2860% | 1,510 |
| Noninterest income to average assets | 1.1698% | 1,042 |
| Noninterest expense to average assets | 3.7010% | 1,369 |
| Loan and lease loss provision to assets | 0.2008% | 3,069 |
| Net operating income to assets | 0.7659% | 3,528 |
| Return on assets (ROA) | 0.7861% | 3,702 |
| Pretax return on assets | 1.1924% | 2,955 |
| Return on Equity (ROE) | 7.1726% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.1487% | 3,847 |
| Net charge-offs to loans | 0.3783% | 2,501 |
| Credit loss provision to net charge-offs | 71.9715% | 3,512 |
| Earnings coverage of net charge-offs (x) | 4.8836% | 2,963 |
| Efficiency ratio | 73.0105% | 3,238 |
| Assets per employee ($millions) | 3.2230% | 5,603 |
| Cash dividends to net income (ytd only)* | 42.1585% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 4,348 |
| Loan loss allowance to noncurrent loans | 43.7762% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 3.3046% | 1,637 |
| Noncurrent loans to loans | 3.2638% | 1,784 |
| Net loans and leases to total assets | 75.4376% | 1,043 |
| Net loans and leases to deposits | 88.2913% | 1,342 |
| Net loans and leases to core deposits | 98.3668% | 1,236 |
| Total domestic deposits to total assets | 85.4417% | 3,644 |
| Equity capital to assets | 10.9003% | 3,225 |
| Core capital (leverage) ratio | 9.9060% | 3,563 |
| Tier 1 risk-based capital ratio | 12.2784% | 5,741 |
| Total risk-based capital ratio | 13.5301% | 5,713 |
| Memoranda: | ||
| Average total assets | $301,755,330 | 2,144 |
| Average earning assets | $274,145,330 | 2,163 |
| Average equity | $33,070,330 | 2,081 |
| Average total loans | $222,552,670 | 1,822 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0149% | 1,836 |
| Cost of funding earning assets | 0.8402% | 3,147 |
| Net interest margin | 4.1747% | 1,837 |
| Noninterest income to average assets | 1.1311% | 1,099 |
| Noninterest expense to average assets | 3.6883% | 1,397 |
| Loan and lease loss provision to assets | 0.1723% | 3,244 |
| Net operating income to assets | 0.7077% | 3,847 |
| Return on assets (ROA) | 0.7491% | 3,866 |
| Pretax return on assets | 1.1284% | 3,203 |
| Return on Equity (ROE) | 6.8169% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.8169% | 2,522 |
| Net charge-offs to loans | 0.2123% | 2,862 |
| Credit loss provision to net charge-offs | 112.1739% | 2,100 |
| Earnings coverage of net charge-offs (x) | 8.0609% | 2,004 |
| Efficiency ratio | 74.7899% | 2,979 |
| Assets per employee ($millions) | 3.1076% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 3,949 |
| Loan loss allowance to noncurrent loans | 42.4527% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 3.5233% | 1,625 |
| Noncurrent loans to loans | 3.6483% | 1,702 |
| Net loans and leases to total assets | 72.6165% | 1,295 |
| Net loans and leases to deposits | 86.1238% | 1,407 |
| Net loans and leases to core deposits | 94.4286% | 1,428 |
| Total domestic deposits to total assets | 84.3164% | 4,364 |
| Equity capital to assets | 10.8941% | 3,036 |
| Core capital (leverage) ratio | 10.1361% | 3,192 |
| Tier 1 risk-based capital ratio | 12.5437% | 5,569 |
| Total risk-based capital ratio | 13.7966% | 5,533 |
| Memoranda: | ||
| Average total assets | $299,541,500 | 2,169 |
| Average earning assets | $272,308,500 | 2,184 |
| Average equity | $32,918,000 | 2,094 |
| Average total loans | $216,666,500 | 1,887 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 2,729 |
| Cost of funding earning assets | 1.0413% | 3,086 |
| Net interest margin | 3.9956% | 2,903 |
| Noninterest income to average assets | 0.9505% | 1,507 |
| Noninterest expense to average assets | 3.6664% | 1,604 |
| Loan and lease loss provision to assets | 0.2326% | 3,880 |
| Net operating income to assets | 0.4740% | 4,528 |
| Return on assets (ROA) | 0.4774% | 4,724 |
| Pretax return on assets | 0.6986% | 4,323 |
| Return on Equity (ROE) | 4.4193% | 4,666 |
| Retained earnings to average equity (ytd only) | 3.4804% | 3,741 |
| Net charge-offs to loans | 0.0832% | 5,490 |
| Credit loss provision to net charge-offs | 402.3392% | 570 |
| Earnings coverage of net charge-offs (x) | 16.0175% | 1,358 |
| Efficiency ratio | 79.7453% | 2,340 |
| Assets per employee ($millions) | 3.2015% | 5,701 |
| Cash dividends to net income (ytd only)* | 21.2465% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 3,334 |
| Loan loss allowance to noncurrent loans | 48.4074% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 3.3004% | 1,804 |
| Noncurrent loans to loans | 3.4297% | 1,879 |
| Net loans and leases to total assets | 69.6817% | 2,094 |
| Net loans and leases to deposits | 82.1004% | 2,185 |
| Net loans and leases to core deposits | 90.3251% | 2,077 |
| Total domestic deposits to total assets | 84.8738% | 3,913 |
| Equity capital to assets | 11.0881% | 2,903 |
| Core capital (leverage) ratio | 9.6163% | 3,836 |
| Tier 1 risk-based capital ratio | 12.8982% | 5,157 |
| Total risk-based capital ratio | 14.1519% | 5,131 |
| Memoranda: | ||
| Average total assets | $295,740,400 | 2,162 |
| Average earning assets | $269,570,000 | 2,172 |
| Average equity | $31,950,600 | 2,079 |
| Average total loans | $205,407,600 | 1,991 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0373% | 2,903 |
| Cost of funding earning assets | 1.0653% | 3,211 |
| Net interest margin | 3.9720% | 3,035 |
| Noninterest income to average assets | 0.9332% | 1,539 |
| Noninterest expense to average assets | 3.6350% | 1,642 |
| Loan and lease loss provision to assets | 0.1887% | 4,141 |
| Net operating income to assets | 0.5049% | 4,530 |
| Return on assets (ROA) | 0.5049% | 4,711 |
| Pretax return on assets | 0.7368% | 4,353 |
| Return on Equity (ROE) | 4.7040% | 4,660 |
| Retained earnings to average equity (ytd only) | 3.4451% | 4,284 |
| Net charge-offs to loans | 0.0958% | 5,022 |
| Credit loss provision to net charge-offs | 285.0340% | 1,002 |
| Earnings coverage of net charge-offs (x) | 13.9792% | 1,566 |
| Efficiency ratio | 79.6168% | 2,316 |
| Assets per employee ($millions) | 3.4631% | 5,085 |
| Cash dividends to net income (ytd only)* | 26.7618% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 3,798 |
| Loan loss allowance to noncurrent loans | 57.8824% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.4437% | 2,637 |
| Noncurrent loans to loans | 2.7141% | 2,580 |
| Net loans and leases to total assets | 65.4560% | 3,018 |
| Net loans and leases to deposits | 76.8808% | 3,182 |
| Net loans and leases to core deposits | 86.3827% | 2,724 |
| Total domestic deposits to total assets | 85.1396% | 3,703 |
| Equity capital to assets | 10.5241% | 3,676 |
| Core capital (leverage) ratio | 9.5601% | 4,058 |
| Tier 1 risk-based capital ratio | 12.7192% | 5,316 |
| Total risk-based capital ratio | 13.9337% | 5,317 |
| Memoranda: | ||
| Average total assets | $296,040,000 | 2,165 |
| Average earning assets | $270,350,250 | 2,174 |
| Average equity | $31,773,500 | 2,090 |
| Average total loans | $204,582,750 | 2,022 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1252% | 2,565 |
| Cost of funding earning assets | 1.0881% | 3,330 |
| Net interest margin | 4.0371% | 2,660 |
| Noninterest income to average assets | 0.9501% | 1,467 |
| Noninterest expense to average assets | 3.6790% | 1,569 |
| Loan and lease loss provision to assets | 0.2144% | 3,771 |
| Net operating income to assets | 0.5028% | 4,488 |
| Return on assets (ROA) | 0.5028% | 4,629 |
| Pretax return on assets | 0.7418% | 4,242 |
| Return on Equity (ROE) | 4.6526% | 4,615 |
| Retained earnings to average equity (ytd only) | 2.7510% | 4,531 |
| Net charge-offs to loans | 0.0792% | 4,848 |
| Credit loss provision to net charge-offs | 386.4198% | 780 |
| Earnings coverage of net charge-offs (x) | 17.2346% | 1,308 |
| Efficiency ratio | 79.3114% | 2,503 |
| Assets per employee ($millions) | 3.3664% | 5,293 |
| Cash dividends to net income (ytd only)* | 40.8719% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 3,941 |
| Loan loss allowance to noncurrent loans | 92.3881% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.6506% | 3,702 |
| Noncurrent loans to loans | 1.6672% | 3,923 |
| Net loans and leases to total assets | 67.0932% | 2,805 |
| Net loans and leases to deposits | 77.3795% | 3,239 |
| Net loans and leases to core deposits | 87.2030% | 2,740 |
| Total domestic deposits to total assets | 86.7067% | 2,923 |
| Equity capital to assets | 10.5479% | 3,446 |
| Core capital (leverage) ratio | 9.6841% | 3,682 |
| Tier 1 risk-based capital ratio | 12.4000% | 5,438 |
| Total risk-based capital ratio | 13.6556% | 5,414 |
| Memoranda: | ||
| Average total assets | $291,981,330 | 2,201 |
| Average earning assets | $266,527,330 | 2,207 |
| Average equity | $31,552,330 | 2,086 |
| Average total loans | $204,455,000 | 2,044 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1063% | 2,616 |
| Cost of funding earning assets | 1.1191% | 3,387 |
| Net interest margin | 3.9872% | 2,737 |
| Noninterest income to average assets | 0.9648% | 1,422 |
| Noninterest expense to average assets | 3.7629% | 1,416 |
| Loan and lease loss provision to assets | 0.2667% | 3,010 |
| Net operating income to assets | 0.3993% | 4,949 |
| Return on assets (ROA) | 0.3993% | 5,040 |
| Pretax return on assets | 0.5767% | 4,777 |
| Return on Equity (ROE) | 3.6492% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.6492% | 3,985 |
| Net charge-offs to loans | 0.0983% | 3,964 |
| Credit loss provision to net charge-offs | 382.0000% | 866 |
| Earnings coverage of net charge-offs (x) | 12.0800% | 1,515 |
| Efficiency ratio | 81.6914% | 2,271 |
| Assets per employee ($millions) | 3.2463% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 4,154 |
| Loan loss allowance to noncurrent loans | 83.5091% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.8390% | 3,511 |
| Noncurrent loans to loans | 1.8099% | 3,816 |
| Net loans and leases to total assets | 68.8940% | 2,354 |
| Net loans and leases to deposits | 81.4215% | 2,460 |
| Net loans and leases to core deposits | 92.4280% | 2,078 |
| Total domestic deposits to total assets | 84.6140% | 4,218 |
| Equity capital to assets | 10.7941% | 2,885 |
| Core capital (leverage) ratio | 9.8226% | 3,361 |
| Tier 1 risk-based capital ratio | 12.5843% | 5,184 |
| Total risk-based capital ratio | 13.8357% | 5,163 |
| Memoranda: | ||
| Average total assets | $286,482,000 | 2,256 |
| Average earning assets | $261,636,500 | 2,255 |
| Average equity | $31,349,500 | 2,092 |
| Average total loans | $203,453,000 | 2,072 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6676% | 1,690 |
| Cost of funding earning assets | 1.2514% | 4,208 |
| Net interest margin | 4.4162% | 1,428 |
| Noninterest income to average assets | 1.0962% | 1,241 |
| Noninterest expense to average assets | 3.8068% | 1,476 |
| Loan and lease loss provision to assets | 0.4844% | 3,236 |
| Net operating income to assets | 0.5372% | 3,940 |
| Return on assets (ROA) | 0.5670% | 3,973 |
| Pretax return on assets | 0.8783% | 3,384 |
| Return on Equity (ROE) | 5.3872% | 3,909 |
| Retained earnings to average equity (ytd only) | 5.3872% | 2,187 |
| Net charge-offs to loans | 0.1999% | 5,091 |
| Credit loss provision to net charge-offs | 311.2150% | 849 |
| Earnings coverage of net charge-offs (x) | 8.4603% | 1,966 |
| Efficiency ratio | 74.2476% | 3,344 |
| Assets per employee ($millions) | 3.2275% | 5,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 4,250 |
| Loan loss allowance to noncurrent loans | 98.2667% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.6820% | 3,777 |
| Noncurrent loans to loans | 1.4813% | 4,260 |
| Net loans and leases to total assets | 71.0775% | 2,284 |
| Net loans and leases to deposits | 82.8901% | 2,647 |
| Net loans and leases to core deposits | 94.4172% | 2,211 |
| Total domestic deposits to total assets | 85.7490% | 3,475 |
| Equity capital to assets | 11.0978% | 2,599 |
| Core capital (leverage) ratio | 9.6415% | 3,498 |
| Tier 1 risk-based capital ratio | 12.7487% | 4,823 |
| Total risk-based capital ratio | 14.0039% | 4,785 |
| Memoranda: | ||
| Average total assets | $274,952,400 | 2,323 |
| Average earning assets | $250,758,200 | 2,337 |
| Average equity | $28,938,800 | 2,247 |
| Average total loans | $214,095,200 | 2,023 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7016% | 1,711 |
| Cost of funding earning assets | 1.2649% | 4,462 |
| Net interest margin | 4.4366% | 1,409 |
| Noninterest income to average assets | 1.0223% | 1,407 |
| Noninterest expense to average assets | 3.6695% | 1,633 |
| Loan and lease loss provision to assets | 0.4870% | 3,039 |
| Net operating income to assets | 0.5860% | 3,934 |
| Return on assets (ROA) | 0.6260% | 3,940 |
| Pretax return on assets | 0.9677% | 3,302 |
| Return on Equity (ROE) | 6.0316% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.0316% | 2,337 |
| Net charge-offs to loans | 0.1223% | 5,324 |
| Credit loss provision to net charge-offs | 502.0101% | 579 |
| Earnings coverage of net charge-offs (x) | 14.3616% | 1,520 |
| Efficiency ratio | 72.2292% | 3,654 |
| Assets per employee ($millions) | 3.3509% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 5,075 |
| Loan loss allowance to noncurrent loans | 69.8257% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 2.0194% | 3,442 |
| Noncurrent loans to loans | 1.8289% | 3,899 |
| Net loans and leases to total assets | 75.4170% | 1,510 |
| Net loans and leases to deposits | 87.9268% | 2,019 |
| Net loans and leases to core deposits | 101.2699% | 1,724 |
| Total domestic deposits to total assets | 85.7725% | 3,204 |
| Equity capital to assets | 10.6422% | 3,359 |
| Core capital (leverage) ratio | 9.7943% | 3,496 |
| Tier 1 risk-based capital ratio | 11.5833% | 5,845 |
| Total risk-based capital ratio | 12.7658% | 5,903 |
| Memoranda: | ||
| Average total assets | $273,491,750 | 2,358 |
| Average earning assets | $249,071,750 | 2,384 |
| Average equity | $28,383,000 | 2,323 |
| Average total loans | $216,986,500 | 2,021 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7313% | 1,647 |
| Cost of funding earning assets | 1.2513% | 4,817 |
| Net interest margin | 4.4800% | 1,248 |
| Noninterest income to average assets | 1.0700% | 1,171 |
| Noninterest expense to average assets | 3.6092% | 1,756 |
| Loan and lease loss provision to assets | 0.4980% | 2,806 |
| Net operating income to assets | 0.6814% | 3,477 |
| Return on assets (ROA) | 0.7417% | 3,376 |
| Pretax return on assets | 1.1530% | 2,580 |
| Return on Equity (ROE) | 7.2139% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.2139% | 1,751 |
| Net charge-offs to loans | 0.1823% | 4,518 |
| Credit loss provision to net charge-offs | 339.7959% | 1,072 |
| Earnings coverage of net charge-offs (x) | 10.6224% | 1,866 |
| Efficiency ratio | 69.8654% | 4,213 |
| Assets per employee ($millions) | 3.2491% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 5,669 |
| Loan loss allowance to noncurrent loans | 77.1639% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.8888% | 3,635 |
| Noncurrent loans to loans | 1.4952% | 4,461 |
| Net loans and leases to total assets | 76.1957% | 1,453 |
| Net loans and leases to deposits | 88.5701% | 2,082 |
| Net loans and leases to core deposits | 102.3270% | 1,796 |
| Total domestic deposits to total assets | 86.0287% | 3,063 |
| Equity capital to assets | 10.8592% | 3,010 |
| Core capital (leverage) ratio | 10.9990% | 2,247 |
| Tier 1 risk-based capital ratio | 11.7347% | 5,557 |
| Total risk-based capital ratio | 12.8014% | 5,690 |
| Memoranda: | ||
| Average total assets | $267,480,000 | 2,439 |
| Average earning assets | $244,553,330 | 2,450 |
| Average equity | $27,502,330 | 2,375 |
| Average total loans | $215,080,330 | 2,081 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8268% | 1,383 |
| Cost of funding earning assets | 1.3873% | 4,261 |
| Net interest margin | 4.4396% | 1,271 |
| Noninterest income to average assets | 1.0451% | 1,170 |
| Noninterest expense to average assets | 3.7386% | 1,437 |
| Loan and lease loss provision to assets | 0.5125% | 2,449 |
| Net operating income to assets | 0.5568% | 4,101 |
| Return on assets (ROA) | 0.6818% | 3,636 |
| Pretax return on assets | 1.0451% | 2,920 |
| Return on Equity (ROE) | 6.8402% | 3,426 |
| Retained earnings to average equity (ytd only) | 6.8402% | 2,199 |
| Net charge-offs to loans | 0.2415% | 3,494 |
| Credit loss provision to net charge-offs | 258.1395% | 1,508 |
| Earnings coverage of net charge-offs (x) | 6.8760% | 2,154 |
| Efficiency ratio | 73.2509% | 3,711 |
| Assets per employee ($millions) | 3.2792% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 6,286 |
| Loan loss allowance to noncurrent loans | 73.4641% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.9339% | 3,579 |
| Noncurrent loans to loans | 1.4145% | 4,615 |
| Net loans and leases to total assets | 84.7836% | 309 |
| Net loans and leases to deposits | 101.6510% | 659 |
| Net loans and leases to core deposits | 119.5520% | 803 |
| Total domestic deposits to total assets | 83.4066% | 4,423 |
| Equity capital to assets | 10.3343% | 3,429 |
| Core capital (leverage) ratio | 9.4716% | 3,811 |
| Tier 1 risk-based capital ratio | 10.6783% | 6,465 |
| Total risk-based capital ratio | 11.6814% | 6,697 |
| Memoranda: | ||
| Average total assets | $259,884,000 | 2,559 |
| Average earning assets | $237,591,000 | 2,558 |
| Average equity | $25,905,500 | 2,520 |
| Average total loans | $213,671,500 | 2,142 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0166% | 1,802 |
| Cost of funding earning assets | 1.8946% | 3,488 |
| Net interest margin | 4.1221% | 2,357 |
| Noninterest income to average assets | 1.2597% | 952 |
| Noninterest expense to average assets | 4.0127% | 1,345 |
| Loan and lease loss provision to assets | 0.5372% | 3,681 |
| Net operating income to assets | 0.3061% | 4,513 |
| Return on assets (ROA) | 0.3061% | 4,592 |
| Pretax return on assets | 0.4591% | 4,324 |
| Return on Equity (ROE) | 3.1516% | 4,434 |
| Retained earnings to average equity (ytd only) | 3.1516% | 2,954 |
| Net charge-offs to loans | 0.5213% | 3,691 |
| Credit loss provision to net charge-offs | 128.6550% | 4,005 |
| Earnings coverage of net charge-offs (x) | 2.3860% | 3,942 |
| Efficiency ratio | 80.1089% | 2,877 |
| Assets per employee ($millions) | 3.2996% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 6,539 |
| Loan loss allowance to noncurrent loans | 70.3857% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.7690% | 3,726 |
| Noncurrent loans to loans | 1.3762% | 4,620 |
| Net loans and leases to total assets | 78.1883% | 1,335 |
| Net loans and leases to deposits | 91.8922% | 1,913 |
| Net loans and leases to core deposits | 130.9082% | 1,233 |
| Total domestic deposits to total assets | 85.0870% | 3,513 |
| Equity capital to assets | 9.6221% | 4,246 |
| Core capital (leverage) ratio | 9.1708% | 4,166 |
| Tier 1 risk-based capital ratio | 10.5469% | 6,343 |
| Total risk-based capital ratio | 11.4622% | 6,638 |
| Memoranda: | ||
| Average total assets | $245,696,800 | 2,653 |
| Average earning assets | $223,480,200 | 2,668 |
| Average equity | $23,861,000 | 2,740 |
| Average total loans | $196,833,000 | 2,322 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0596% | 1,800 |
| Cost of funding earning assets | 1.9885% | 3,421 |
| Net interest margin | 4.0711% | 2,507 |
| Noninterest income to average assets | 1.2373% | 1,009 |
| Noninterest expense to average assets | 4.0503% | 1,215 |
| Loan and lease loss provision to assets | 0.5493% | 3,187 |
| Net operating income to assets | 0.2319% | 5,051 |
| Return on assets (ROA) | 0.2319% | 5,131 |
| Pretax return on assets | 0.3351% | 4,966 |
| Return on Equity (ROE) | 2.3820% | 5,035 |
| Retained earnings to average equity (ytd only) | 2.3820% | 3,993 |
| Net charge-offs to loans | 0.5036% | 3,212 |
| Credit loss provision to net charge-offs | 135.6164% | 3,661 |
| Earnings coverage of net charge-offs (x) | 2.1836% | 4,187 |
| Efficiency ratio | 82.0778% | 2,572 |
| Assets per employee ($millions) | 3.1859% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,247 |
| Loan loss allowance to noncurrent loans | 55.3719% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.1854% | 3,115 |
| Noncurrent loans to loans | 1.8182% | 3,890 |
| Net loans and leases to total assets | 77.5431% | 1,661 |
| Net loans and leases to deposits | 91.7074% | 2,289 |
| Net loans and leases to core deposits | 133.4220% | 1,242 |
| Total domestic deposits to total assets | 84.5549% | 3,451 |
| Equity capital to assets | 9.9557% | 4,143 |
| Core capital (leverage) ratio | 9.3900% | 4,063 |
| Tier 1 risk-based capital ratio | 10.9167% | 6,032 |
| Total risk-based capital ratio | 11.8648% | 6,305 |
| Memoranda: | ||
| Average total assets | $240,303,500 | 2,731 |
| Average earning assets | $218,250,500 | 2,741 |
| Average equity | $23,397,000 | 2,818 |
| Average total loans | $193,286,750 | 2,387 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1362% | 1,666 |
| Cost of funding earning assets | 2.0663% | 3,444 |
| Net interest margin | 4.0699% | 2,435 |
| Noninterest income to average assets | 1.1705% | 1,141 |
| Noninterest expense to average assets | 4.1801% | 1,093 |
| Loan and lease loss provision to assets | 0.5606% | 2,779 |
| Net operating income to assets | 0.0951% | 5,582 |
| Return on assets (ROA) | 0.0951% | 5,677 |
| Pretax return on assets | 0.1189% | 5,632 |
| Return on Equity (ROE) | 0.9851% | 5,638 |
| Retained earnings to average equity (ytd only) | 0.9851% | 4,785 |
| Net charge-offs to loans | 0.6005% | 2,538 |
| Credit loss provision to net charge-offs | 114.9826% | 4,029 |
| Earnings coverage of net charge-offs (x) | 1.3937% | 4,484 |
| Efficiency ratio | 86.0164% | 2,230 |
| Assets per employee ($millions) | 3.0275% | 6,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 6,672 |
| Loan loss allowance to noncurrent loans | 63.6175% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.9933% | 3,205 |
| Noncurrent loans to loans | 1.4518% | 4,316 |
| Net loans and leases to total assets | 80.3157% | 1,254 |
| Net loans and leases to deposits | 95.5012% | 1,871 |
| Net loans and leases to core deposits | 137.3916% | 1,136 |
| Total domestic deposits to total assets | 84.0992% | 3,710 |
| Equity capital to assets | 10.1975% | 3,721 |
| Core capital (leverage) ratio | 9.6168% | 3,741 |
| Tier 1 risk-based capital ratio | 11.0227% | 5,850 |
| Total risk-based capital ratio | 11.9056% | 6,163 |
| Memoranda: | ||
| Average total assets | $235,448,000 | 2,801 |
| Average earning assets | $213,420,330 | 2,826 |
| Average equity | $22,738,000 | 2,886 |
| Average total loans | $191,167,670 | 2,446 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9976% | 2,378 |
| Cost of funding earning assets | 2.1476% | 3,420 |
| Net interest margin | 3.8500% | 3,247 |
| Noninterest income to average assets | 1.1121% | 1,198 |
| Noninterest expense to average assets | 4.1031% | 1,059 |
| Loan and lease loss provision to assets | 0.5725% | 2,196 |
| Net operating income to assets | -0.0607% | 6,346 |
| Return on assets (ROA) | -0.0607% | 6,471 |
| Pretax return on assets | -0.0833% | 6,464 |
| Return on Equity (ROE) | -0.6480% | 6,486 |
| Retained earnings to average equity (ytd only) | -0.6480% | 5,797 |
| Net charge-offs to loans | 0.9949% | 1,349 |
| Credit loss provision to net charge-offs | 70.8155% | 4,339 |
| Earnings coverage of net charge-offs (x) | 0.6052% | 4,513 |
| Efficiency ratio | 89.3464% | 1,774 |
| Assets per employee ($millions) | 3.1375% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 6,992 |
| Loan loss allowance to noncurrent loans | 51.5326% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 2.0704% | 2,792 |
| Noncurrent loans to loans | 1.6389% | 3,815 |
| Net loans and leases to total assets | 79.4651% | 1,484 |
| Net loans and leases to deposits | 93.6594% | 2,332 |
| Net loans and leases to core deposits | 125.1119% | 1,988 |
| Total domestic deposits to total assets | 84.8448% | 3,275 |
| Equity capital to assets | 9.0517% | 5,292 |
| Core capital (leverage) ratio | 8.5016% | 5,533 |
| Tier 1 risk-based capital ratio | 9.6382% | 7,300 |
| Total risk-based capital ratio | 10.4380% | 7,669 |
| Memoranda: | ||
| Average total assets | $230,559,000 | 2,869 |
| Average earning assets | $208,415,000 | 2,904 |
| Average equity | $21,603,500 | 3,028 |
| Average total loans | $187,356,000 | 2,503 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8484% | 1,535 |
| Cost of funding earning assets | 2.5184% | 4,098 |
| Net interest margin | 4.3300% | 1,883 |
| Noninterest income to average assets | 1.4971% | 624 |
| Noninterest expense to average assets | 4.4638% | 897 |
| Loan and lease loss provision to assets | 0.4732% | 2,933 |
| Net operating income to assets | 0.2985% | 5,549 |
| Return on assets (ROA) | 0.2988% | 5,359 |
| Pretax return on assets | 0.4017% | 5,257 |
| Return on Equity (ROE) | 3.2046% | 5,154 |
| Retained earnings to average equity (ytd only) | 0.1133% | 5,166 |
| Net charge-offs to loans | 0.2413% | 3,846 |
| Credit loss provision to net charge-offs | 250.6361% | 1,858 |
| Earnings coverage of net charge-offs (x) | 4.6310% | 3,915 |
| Efficiency ratio | 83.0168% | 2,178 |
| Assets per employee ($millions) | 2.8185% | 6,520 |
| Cash dividends to net income (ytd only)* | 96.4630% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 6,387 |
| Loan loss allowance to noncurrent loans | 118.1634% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 3,388 |
| Noncurrent loans to loans | 0.8066% | 5,025 |
| Net loans and leases to total assets | 81.6747% | 1,289 |
| Net loans and leases to deposits | 100.9509% | 1,714 |
| Net loans and leases to core deposits | 130.6182% | 1,810 |
| Total domestic deposits to total assets | 80.9054% | 4,684 |
| Equity capital to assets | 9.7110% | 4,412 |
| Core capital (leverage) ratio | 9.2251% | 4,404 |
| Tier 1 risk-based capital ratio | 10.1843% | 6,534 |
| Total risk-based capital ratio | 11.0829% | 6,805 |
| Memoranda: | ||
| Average total assets | $208,138,800 | 3,028 |
| Average earning assets | $184,641,000 | 3,123 |
| Average equity | $19,409,800 | 3,321 |
| Average total loans | $162,849,400 | 2,732 |