Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 2,321 |
| Cost of funding earning assets | 0.5018% | 2,321 |
| Net interest margin | 3.8006% | 2,426 |
| Noninterest income to average assets | 0.8141% | 1,515 |
| Noninterest expense to average assets | 3.1432% | 1,734 |
| Loan and lease loss provision to assets | 0.1317% | 1,741 |
| Net operating income to assets | 1.0643% | 1,998 |
| Return on assets (ROA) | 1.0648% | 2,019 |
| Pretax return on assets | 1.1133% | 3,130 |
| Return on Equity (ROE) | 11.1473% | 1,420 |
| Retained earnings to average equity (ytd only) | 4.2667% | 2,600 |
| Net charge-offs to loans | 0.0659% | 2,533 |
| Credit loss provision to net charge-offs | 280.0000% | 1,003 |
| Earnings coverage of net charge-offs (x) | 26.4595% | 1,677 |
| Efficiency ratio | 71.6363% | 2,287 |
| Assets per employee ($millions) | 4.8259% | 2,703 |
| Cash dividends to net income (ytd only)* | 61.7240% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,671 |
| Loan loss allowance to noncurrent loans | 68.0238% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.3214% | 1,093 |
| Noncurrent loans to loans | 1.7903% | 895 |
| Net loans and leases to total assets | 69.3596% | 2,622 |
| Net loans and leases to deposits | 78.4038% | 3,075 |
| Net loans and leases to core deposits | 84.5075% | 3,025 |
| Total domestic deposits to total assets | 88.4646% | 1,266 |
| Equity capital to assets | 9.5798% | 4,158 |
| Core capital (leverage) ratio | 9.8706% | 3,615 |
| Tier 1 risk-based capital ratio | 13.4849% | 3,633 |
| Total risk-based capital ratio | 14.6752% | 3,583 |
| Memoranda: | ||
| Average total assets | $393,331,400 | 1,732 |
| Average earning assets | $369,834,200 | 1,707 |
| Average equity | $37,569,800 | 1,947 |
| Average total loans | $280,933,600 | 1,652 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2931% | 2,282 |
| Cost of funding earning assets | 0.5061% | 2,215 |
| Net interest margin | 3.7869% | 2,449 |
| Noninterest income to average assets | 0.8391% | 1,448 |
| Noninterest expense to average assets | 3.1496% | 1,673 |
| Loan and lease loss provision to assets | 0.1304% | 1,668 |
| Net operating income to assets | 1.0748% | 2,205 |
| Return on assets (ROA) | 1.0754% | 2,251 |
| Pretax return on assets | 1.1245% | 3,211 |
| Return on Equity (ROE) | 11.2674% | 1,585 |
| Retained earnings to average equity (ytd only) | 4.2601% | 3,364 |
| Net charge-offs to loans | 0.0114% | 3,322 |
| Credit loss provision to net charge-offs | 1,595.8333% | 242 |
| Earnings coverage of net charge-offs (x) | 153.4544% | 528 |
| Efficiency ratio | 71.5203% | 2,276 |
| Assets per employee ($millions) | 4.4000% | 3,312 |
| Cash dividends to net income (ytd only)* | 62.1913% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,883 |
| Loan loss allowance to noncurrent loans | 76.6378% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.2260% | 1,332 |
| Noncurrent loans to loans | 1.5773% | 1,177 |
| Net loans and leases to total assets | 72.0235% | 2,251 |
| Net loans and leases to deposits | 81.6611% | 2,813 |
| Net loans and leases to core deposits | 86.4690% | 2,926 |
| Total domestic deposits to total assets | 88.1980% | 1,262 |
| Equity capital to assets | 9.8007% | 4,148 |
| Core capital (leverage) ratio | 9.7977% | 3,824 |
| Tier 1 risk-based capital ratio | 13.3344% | 3,803 |
| Total risk-based capital ratio | 14.5344% | 3,749 |
| Memoranda: | ||
| Average total assets | $391,526,750 | 1,756 |
| Average earning assets | $368,555,250 | 1,728 |
| Average equity | $37,369,250 | 1,967 |
| Average total loans | $280,855,750 | 1,663 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 2,288 |
| Cost of funding earning assets | 0.5044% | 2,133 |
| Net interest margin | 3.7458% | 2,487 |
| Noninterest income to average assets | 0.8266% | 1,480 |
| Noninterest expense to average assets | 3.1688% | 1,661 |
| Loan and lease loss provision to assets | 0.1308% | 1,593 |
| Net operating income to assets | 1.0023% | 2,413 |
| Return on assets (ROA) | 1.0033% | 2,450 |
| Pretax return on assets | 1.0524% | 3,362 |
| Return on Equity (ROE) | 10.6069% | 1,794 |
| Retained earnings to average equity (ytd only) | 5.8651% | 2,190 |
| Net charge-offs to loans | 0.0444% | 2,315 |
| Credit loss provision to net charge-offs | 412.9032% | 770 |
| Earnings coverage of net charge-offs (x) | 37.3226% | 1,302 |
| Efficiency ratio | 72.8308% | 2,209 |
| Assets per employee ($millions) | 4.3784% | 3,302 |
| Cash dividends to net income (ytd only)* | 44.7047% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 3,142 |
| Loan loss allowance to noncurrent loans | 66.9519% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.3611% | 1,169 |
| Noncurrent loans to loans | 1.7611% | 1,024 |
| Net loans and leases to total assets | 69.1211% | 2,646 |
| Net loans and leases to deposits | 78.1596% | 3,102 |
| Net loans and leases to core deposits | 83.9779% | 3,071 |
| Total domestic deposits to total assets | 88.4358% | 1,238 |
| Equity capital to assets | 9.6459% | 4,279 |
| Core capital (leverage) ratio | 9.6970% | 3,900 |
| Tier 1 risk-based capital ratio | 13.4172% | 3,737 |
| Total risk-based capital ratio | 14.5701% | 3,706 |
| Memoranda: | ||
| Average total assets | $391,503,670 | 1,756 |
| Average earning assets | $368,364,000 | 1,727 |
| Average equity | $37,032,670 | 1,977 |
| Average total loans | $279,310,330 | 1,667 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 2,163 |
| Cost of funding earning assets | 0.5078% | 2,019 |
| Net interest margin | 3.7235% | 2,408 |
| Noninterest income to average assets | 0.7989% | 1,558 |
| Noninterest expense to average assets | 3.1760% | 1,679 |
| Loan and lease loss provision to assets | 0.1319% | 1,451 |
| Net operating income to assets | 0.9422% | 2,554 |
| Return on assets (ROA) | 0.9422% | 2,612 |
| Pretax return on assets | 0.9906% | 3,407 |
| Return on Equity (ROE) | 10.0626% | 1,941 |
| Retained earnings to average equity (ytd only) | 4.3928% | 3,229 |
| Net charge-offs to loans | 0.0973% | 1,391 |
| Credit loss provision to net charge-offs | 188.2353% | 1,052 |
| Earnings coverage of net charge-offs (x) | 16.0147% | 1,654 |
| Efficiency ratio | 73.8849% | 2,253 |
| Assets per employee ($millions) | 4.4394% | 3,273 |
| Cash dividends to net income (ytd only)* | 56.3457% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 3,569 |
| Loan loss allowance to noncurrent loans | 61.3707% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.4599% | 1,122 |
| Noncurrent loans to loans | 1.8284% | 1,020 |
| Net loans and leases to total assets | 69.5183% | 2,460 |
| Net loans and leases to deposits | 79.3093% | 2,832 |
| Net loans and leases to core deposits | 85.1125% | 2,800 |
| Total domestic deposits to total assets | 87.6547% | 1,912 |
| Equity capital to assets | 9.2067% | 4,610 |
| Core capital (leverage) ratio | 9.7485% | 3,816 |
| Tier 1 risk-based capital ratio | 12.8310% | 4,179 |
| Total risk-based capital ratio | 13.9080% | 4,191 |
| Memoranda: | ||
| Average total assets | $388,037,000 | 1,783 |
| Average earning assets | $364,707,500 | 1,753 |
| Average equity | $36,332,500 | 2,014 |
| Average total loans | $279,620,500 | 1,674 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3810% | 1,878 |
| Cost of funding earning assets | 0.5130% | 1,995 |
| Net interest margin | 3.8679% | 2,069 |
| Noninterest income to average assets | 0.8303% | 1,649 |
| Noninterest expense to average assets | 3.3377% | 1,491 |
| Loan and lease loss provision to assets | 0.0837% | 2,684 |
| Net operating income to assets | 0.9854% | 2,413 |
| Return on assets (ROA) | 1.0397% | 2,286 |
| Pretax return on assets | 1.0872% | 3,152 |
| Return on Equity (ROE) | 10.2371% | 1,867 |
| Retained earnings to average equity (ytd only) | 4.6344% | 2,601 |
| Net charge-offs to loans | 0.0664% | 2,744 |
| Credit loss provision to net charge-offs | 173.1429% | 1,606 |
| Earnings coverage of net charge-offs (x) | 23.0514% | 1,703 |
| Efficiency ratio | 74.9705% | 2,142 |
| Assets per employee ($millions) | 4.0487% | 3,875 |
| Cash dividends to net income (ytd only)* | 54.7290% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 3,648 |
| Loan loss allowance to noncurrent loans | 53.4578% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.6649% | 941 |
| Noncurrent loans to loans | 2.0781% | 854 |
| Net loans and leases to total assets | 73.0993% | 1,999 |
| Net loans and leases to deposits | 83.9198% | 2,426 |
| Net loans and leases to core deposits | 91.1243% | 2,385 |
| Total domestic deposits to total assets | 87.1062% | 2,083 |
| Equity capital to assets | 9.5291% | 4,242 |
| Core capital (leverage) ratio | 10.0800% | 3,391 |
| Tier 1 risk-based capital ratio | 13.0712% | 4,021 |
| Total risk-based capital ratio | 14.1590% | 4,025 |
| Memoranda: | ||
| Average total assets | $362,020,800 | 1,845 |
| Average earning assets | $338,965,400 | 1,833 |
| Average equity | $36,768,200 | 1,988 |
| Average total loans | $263,453,000 | 1,710 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 1,867 |
| Cost of funding earning assets | 0.5093% | 2,020 |
| Net interest margin | 3.8889% | 2,016 |
| Noninterest income to average assets | 0.8318% | 1,643 |
| Noninterest expense to average assets | 3.3779% | 1,389 |
| Loan and lease loss provision to assets | 0.1127% | 2,045 |
| Net operating income to assets | 0.9427% | 2,690 |
| Return on assets (ROA) | 1.0152% | 2,499 |
| Pretax return on assets | 1.0554% | 3,408 |
| Return on Equity (ROE) | 9.8366% | 2,121 |
| Retained earnings to average equity (ytd only) | 3.5504% | 3,769 |
| Net charge-offs to loans | 0.0570% | 2,549 |
| Credit loss provision to net charge-offs | 272.9730% | 1,124 |
| Earnings coverage of net charge-offs (x) | 26.4588% | 1,598 |
| Efficiency ratio | 75.5596% | 2,031 |
| Assets per employee ($millions) | 3.9683% | 4,019 |
| Cash dividends to net income (ytd only)* | 63.9062% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 3,556 |
| Loan loss allowance to noncurrent loans | 52.6000% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.7353% | 975 |
| Noncurrent loans to loans | 2.1805% | 864 |
| Net loans and leases to total assets | 73.7047% | 1,919 |
| Net loans and leases to deposits | 86.4805% | 2,213 |
| Net loans and leases to core deposits | 94.0677% | 2,190 |
| Total domestic deposits to total assets | 85.2270% | 2,706 |
| Equity capital to assets | 10.2200% | 3,889 |
| Core capital (leverage) ratio | 9.9581% | 3,624 |
| Tier 1 risk-based capital ratio | 13.1334% | 4,078 |
| Total risk-based capital ratio | 14.2714% | 4,064 |
| Memoranda: | ||
| Average total assets | $358,393,750 | 1,868 |
| Average earning assets | $335,336,250 | 1,853 |
| Average equity | $36,990,250 | 1,990 |
| Average total loans | $259,733,250 | 1,737 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 1,810 |
| Cost of funding earning assets | 0.5003% | 2,099 |
| Net interest margin | 3.9063% | 1,960 |
| Noninterest income to average assets | 0.7603% | 1,888 |
| Noninterest expense to average assets | 3.3491% | 1,483 |
| Loan and lease loss provision to assets | 0.1708% | 1,296 |
| Net operating income to assets | 0.8613% | 3,044 |
| Return on assets (ROA) | 0.8753% | 3,097 |
| Pretax return on assets | 0.9080% | 3,928 |
| Return on Equity (ROE) | 8.4522% | 2,769 |
| Retained earnings to average equity (ytd only) | 5.0288% | 2,723 |
| Net charge-offs to loans | 0.0346% | 2,758 |
| Credit loss provision to net charge-offs | 688.6364% | 511 |
| Earnings coverage of net charge-offs (x) | 42.9091% | 1,105 |
| Efficiency ratio | 75.8876% | 2,099 |
| Assets per employee ($millions) | 3.9610% | 3,983 |
| Cash dividends to net income (ytd only)* | 40.5023% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 3,285 |
| Loan loss allowance to noncurrent loans | 52.1008% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.9355% | 856 |
| Noncurrent loans to loans | 2.3279% | 775 |
| Net loans and leases to total assets | 72.0604% | 2,158 |
| Net loans and leases to deposits | 83.6210% | 2,510 |
| Net loans and leases to core deposits | 90.4331% | 2,497 |
| Total domestic deposits to total assets | 86.1750% | 2,341 |
| Equity capital to assets | 10.3853% | 3,753 |
| Core capital (leverage) ratio | 10.1707% | 3,366 |
| Tier 1 risk-based capital ratio | 13.5153% | 3,891 |
| Total risk-based capital ratio | 14.7136% | 3,839 |
| Memoranda: | ||
| Average total assets | $354,841,330 | 1,883 |
| Average earning assets | $331,822,670 | 1,871 |
| Average equity | $36,748,000 | 2,007 |
| Average total loans | $254,589,670 | 1,774 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 1,786 |
| Cost of funding earning assets | 0.5015% | 2,092 |
| Net interest margin | 3.9035% | 1,925 |
| Noninterest income to average assets | 0.7370% | 1,867 |
| Noninterest expense to average assets | 3.3857% | 1,411 |
| Loan and lease loss provision to assets | 0.1737% | 1,179 |
| Net operating income to assets | 0.7979% | 3,261 |
| Return on assets (ROA) | 0.8056% | 3,333 |
| Pretax return on assets | 0.8410% | 4,060 |
| Return on Equity (ROE) | 7.7902% | 3,037 |
| Retained earnings to average equity (ytd only) | 3.1603% | 3,935 |
| Net charge-offs to loans | 0.0835% | 1,662 |
| Credit loss provision to net charge-offs | 292.3077% | 869 |
| Earnings coverage of net charge-offs (x) | 16.9423% | 1,596 |
| Efficiency ratio | 77.0812% | 2,032 |
| Assets per employee ($millions) | 3.9225% | 4,084 |
| Cash dividends to net income (ytd only)* | 59.4326% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 3,388 |
| Loan loss allowance to noncurrent loans | 52.3045% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.8549% | 986 |
| Noncurrent loans to loans | 2.3254% | 854 |
| Net loans and leases to total assets | 69.7153% | 2,390 |
| Net loans and leases to deposits | 80.7986% | 2,693 |
| Net loans and leases to core deposits | 85.4647% | 2,796 |
| Total domestic deposits to total assets | 86.2827% | 2,548 |
| Equity capital to assets | 10.2454% | 3,798 |
| Core capital (leverage) ratio | 10.2096% | 3,302 |
| Tier 1 risk-based capital ratio | 13.9754% | 3,715 |
| Total risk-based capital ratio | 15.1741% | 3,670 |
| Memoranda: | ||
| Average total assets | $350,056,500 | 1,913 |
| Average earning assets | $327,805,000 | 1,895 |
| Average equity | $36,199,500 | 2,026 |
| Average total loans | $248,974,500 | 1,803 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 1,433 |
| Cost of funding earning assets | 0.5013% | 2,143 |
| Net interest margin | 4.0606% | 1,523 |
| Noninterest income to average assets | 0.8088% | 1,754 |
| Noninterest expense to average assets | 3.5373% | 1,233 |
| Loan and lease loss provision to assets | 0.1181% | 2,017 |
| Net operating income to assets | 0.9074% | 2,825 |
| Return on assets (ROA) | 0.9415% | 2,727 |
| Pretax return on assets | 0.9731% | 3,573 |
| Return on Equity (ROE) | 9.1019% | 2,409 |
| Retained earnings to average equity (ytd only) | 4.2368% | 2,973 |
| Net charge-offs to loans | 0.1283% | 2,086 |
| Credit loss provision to net charge-offs | 130.2632% | 2,012 |
| Earnings coverage of net charge-offs (x) | 11.6513% | 2,549 |
| Efficiency ratio | 77.0104% | 2,115 |
| Assets per employee ($millions) | 3.8129% | 4,266 |
| Cash dividends to net income (ytd only)* | 53.4516% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 3,454 |
| Loan loss allowance to noncurrent loans | 48.8142% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 2.0527% | 848 |
| Noncurrent loans to loans | 2.4679% | 754 |
| Net loans and leases to total assets | 70.8329% | 2,237 |
| Net loans and leases to deposits | 83.8196% | 2,384 |
| Net loans and leases to core deposits | 88.8411% | 2,517 |
| Total domestic deposits to total assets | 84.5064% | 3,283 |
| Equity capital to assets | 10.4406% | 3,437 |
| Core capital (leverage) ratio | 10.3865% | 3,066 |
| Tier 1 risk-based capital ratio | 14.1771% | 3,620 |
| Total risk-based capital ratio | 15.3629% | 3,568 |
| Memoranda: | ||
| Average total assets | $335,422,800 | 1,958 |
| Average earning assets | $312,612,800 | 1,938 |
| Average equity | $34,696,200 | 2,055 |
| Average total loans | $236,964,600 | 1,824 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 1,422 |
| Cost of funding earning assets | 0.4971% | 2,237 |
| Net interest margin | 4.0690% | 1,494 |
| Noninterest income to average assets | 0.7832% | 1,863 |
| Noninterest expense to average assets | 3.5487% | 1,206 |
| Loan and lease loss provision to assets | 0.1355% | 1,654 |
| Net operating income to assets | 0.8550% | 3,151 |
| Return on assets (ROA) | 0.9008% | 3,045 |
| Pretax return on assets | 0.9327% | 3,879 |
| Return on Equity (ROE) | 8.7290% | 2,718 |
| Retained earnings to average equity (ytd only) | 2.9716% | 4,337 |
| Net charge-offs to loans | 0.1511% | 1,626 |
| Credit loss provision to net charge-offs | 127.4436% | 1,902 |
| Earnings coverage of net charge-offs (x) | 9.6014% | 2,682 |
| Efficiency ratio | 77.6553% | 2,000 |
| Assets per employee ($millions) | 3.5711% | 4,671 |
| Cash dividends to net income (ytd only)* | 65.9565% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 3,566 |
| Loan loss allowance to noncurrent loans | 38.9190% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 2.5321% | 678 |
| Noncurrent loans to loans | 3.1211% | 546 |
| Net loans and leases to total assets | 70.5984% | 2,299 |
| Net loans and leases to deposits | 83.6786% | 2,446 |
| Net loans and leases to core deposits | 88.4837% | 2,613 |
| Total domestic deposits to total assets | 84.3685% | 3,275 |
| Equity capital to assets | 10.2901% | 3,827 |
| Core capital (leverage) ratio | 10.2224% | 3,345 |
| Tier 1 risk-based capital ratio | 14.2446% | 3,705 |
| Total risk-based capital ratio | 15.4527% | 3,663 |
| Memoranda: | ||
| Average total assets | $333,488,250 | 1,983 |
| Average earning assets | $310,339,000 | 1,970 |
| Average equity | $34,413,250 | 2,084 |
| Average total loans | $234,697,000 | 1,843 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 1,307 |
| Cost of funding earning assets | 0.4953% | 2,290 |
| Net interest margin | 4.0932% | 1,371 |
| Noninterest income to average assets | 0.7425% | 2,032 |
| Noninterest expense to average assets | 3.5468% | 1,221 |
| Loan and lease loss provision to assets | 0.1701% | 1,228 |
| Net operating income to assets | 0.8095% | 3,331 |
| Return on assets (ROA) | 0.8481% | 3,236 |
| Pretax return on assets | 0.8740% | 4,053 |
| Return on Equity (ROE) | 8.2107% | 2,937 |
| Retained earnings to average equity (ytd only) | 4.9171% | 2,908 |
| Net charge-offs to loans | 0.2344% | 1,107 |
| Credit loss provision to net charge-offs | 103.6765% | 2,002 |
| Earnings coverage of net charge-offs (x) | 6.1213% | 2,821 |
| Efficiency ratio | 77.9324% | 2,084 |
| Assets per employee ($millions) | 3.5562% | 4,704 |
| Cash dividends to net income (ytd only)* | 40.1138% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 3,589 |
| Loan loss allowance to noncurrent loans | 56.5098% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.8231% | 1,260 |
| Noncurrent loans to loans | 2.1864% | 1,099 |
| Net loans and leases to total assets | 68.1932% | 2,615 |
| Net loans and leases to deposits | 80.5408% | 2,720 |
| Net loans and leases to core deposits | 84.3788% | 2,944 |
| Total domestic deposits to total assets | 84.6692% | 3,264 |
| Equity capital to assets | 10.1614% | 3,850 |
| Core capital (leverage) ratio | 10.3415% | 3,159 |
| Tier 1 risk-based capital ratio | 14.4497% | 3,665 |
| Total risk-based capital ratio | 15.6449% | 3,618 |
| Memoranda: | ||
| Average total assets | $331,567,670 | 2,005 |
| Average earning assets | $308,508,000 | 1,991 |
| Average equity | $34,248,000 | 2,103 |
| Average total loans | $232,112,670 | 1,863 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 1,345 |
| Cost of funding earning assets | 0.4975% | 2,304 |
| Net interest margin | 4.0457% | 1,423 |
| Noninterest income to average assets | 0.7332% | 2,004 |
| Noninterest expense to average assets | 3.6050% | 1,133 |
| Loan and lease loss provision to assets | 0.2740% | 568 |
| Net operating income to assets | 0.5978% | 4,302 |
| Return on assets (ROA) | 0.6711% | 4,068 |
| Pretax return on assets | 0.6930% | 4,614 |
| Return on Equity (ROE) | 6.4430% | 3,806 |
| Retained earnings to average equity (ytd only) | 2.3153% | 4,535 |
| Net charge-offs to loans | 0.4682% | 530 |
| Credit loss provision to net charge-offs | 83.0258% | 1,803 |
| Earnings coverage of net charge-offs (x) | 2.7011% | 2,714 |
| Efficiency ratio | 80.1733% | 1,881 |
| Assets per employee ($millions) | 3.5029% | 4,895 |
| Cash dividends to net income (ytd only)* | 64.0653% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 3,851 |
| Loan loss allowance to noncurrent loans | 57.4274% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 1.8253% | 1,340 |
| Noncurrent loans to loans | 2.1218% | 1,213 |
| Net loans and leases to total assets | 68.1274% | 2,418 |
| Net loans and leases to deposits | 80.5421% | 2,500 |
| Net loans and leases to core deposits | 84.4458% | 2,721 |
| Total domestic deposits to total assets | 84.5860% | 3,587 |
| Equity capital to assets | 10.2680% | 3,807 |
| Core capital (leverage) ratio | 10.2534% | 3,277 |
| Tier 1 risk-based capital ratio | 13.9934% | 4,023 |
| Total risk-based capital ratio | 15.1588% | 4,009 |
| Memoranda: | ||
| Average total assets | $328,433,000 | 2,031 |
| Average earning assets | $305,508,500 | 2,018 |
| Average equity | $34,207,500 | 2,119 |
| Average total loans | $231,537,000 | 1,866 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 1,219 |
| Cost of funding earning assets | 0.5010% | 2,669 |
| Net interest margin | 4.2390% | 1,190 |
| Noninterest income to average assets | 0.6976% | 2,313 |
| Noninterest expense to average assets | 3.5776% | 1,343 |
| Loan and lease loss provision to assets | 0.0313% | 3,974 |
| Net operating income to assets | 0.9625% | 2,569 |
| Return on assets (ROA) | 0.9694% | 2,619 |
| Pretax return on assets | 1.0144% | 3,437 |
| Return on Equity (ROE) | 9.8568% | 2,177 |
| Retained earnings to average equity (ytd only) | 4.9316% | 2,649 |
| Net charge-offs to loans | 0.0302% | 4,221 |
| Credit loss provision to net charge-offs | 149.2537% | 1,616 |
| Earnings coverage of net charge-offs (x) | 49.5672% | 930 |
| Efficiency ratio | 77.5030% | 2,279 |
| Assets per employee ($millions) | 3.2383% | 5,377 |
| Cash dividends to net income (ytd only)* | 49.9677% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 3,756 |
| Loan loss allowance to noncurrent loans | 44.4926% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 2.1386% | 1,147 |
| Noncurrent loans to loans | 2.7926% | 845 |
| Net loans and leases to total assets | 71.2063% | 2,044 |
| Net loans and leases to deposits | 84.7533% | 2,129 |
| Net loans and leases to core deposits | 88.9227% | 2,390 |
| Total domestic deposits to total assets | 84.0159% | 3,711 |
| Equity capital to assets | 10.5700% | 3,395 |
| Core capital (leverage) ratio | 10.4827% | 2,965 |
| Tier 1 risk-based capital ratio | 14.8053% | 3,599 |
| Total risk-based capital ratio | 16.0549% | 3,532 |
| Memoranda: | ||
| Average total assets | $319,796,400 | 2,035 |
| Average earning assets | $295,611,600 | 2,029 |
| Average equity | $31,450,400 | 2,197 |
| Average total loans | $221,627,400 | 1,891 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 1,249 |
| Cost of funding earning assets | 0.4915% | 2,847 |
| Net interest margin | 4.2343% | 1,194 |
| Noninterest income to average assets | 0.7180% | 2,241 |
| Noninterest expense to average assets | 3.5627% | 1,359 |
| Loan and lease loss provision to assets | 0.0417% | 3,565 |
| Net operating income to assets | 0.9729% | 2,584 |
| Return on assets (ROA) | 0.9820% | 2,602 |
| Pretax return on assets | 1.0300% | 3,468 |
| Return on Equity (ROE) | 10.1765% | 2,131 |
| Retained earnings to average equity (ytd only) | 4.4744% | 3,466 |
| Net charge-offs to loans | 0.0341% | 3,804 |
| Credit loss provision to net charge-offs | 178.5714% | 1,394 |
| Earnings coverage of net charge-offs (x) | 45.4672% | 1,037 |
| Efficiency ratio | 77.0341% | 2,349 |
| Assets per employee ($millions) | 3.2899% | 5,259 |
| Cash dividends to net income (ytd only)* | 56.0322% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 3,900 |
| Loan loss allowance to noncurrent loans | 52.8904% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 1.9131% | 1,528 |
| Noncurrent loans to loans | 2.3750% | 1,254 |
| Net loans and leases to total assets | 69.5571% | 2,264 |
| Net loans and leases to deposits | 82.2445% | 2,396 |
| Net loans and leases to core deposits | 86.2810% | 2,635 |
| Total domestic deposits to total assets | 84.5736% | 3,510 |
| Equity capital to assets | 10.0343% | 4,126 |
| Core capital (leverage) ratio | 10.3363% | 3,239 |
| Tier 1 risk-based capital ratio | 14.5782% | 3,835 |
| Total risk-based capital ratio | 15.8276% | 3,779 |
| Memoranda: | ||
| Average total assets | $319,598,750 | 2,050 |
| Average earning assets | $294,889,250 | 2,044 |
| Average equity | $30,841,500 | 2,239 |
| Average total loans | $219,246,750 | 1,921 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 1,329 |
| Cost of funding earning assets | 0.4849% | 2,978 |
| Net interest margin | 4.1950% | 1,257 |
| Noninterest income to average assets | 0.6153% | 2,737 |
| Noninterest expense to average assets | 3.5797% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8617% | 3,000 |
| Return on assets (ROA) | 0.8798% | 2,994 |
| Pretax return on assets | 0.9176% | 3,818 |
| Return on Equity (ROE) | 9.2431% | 2,480 |
| Retained earnings to average equity (ytd only) | 0.9858% | 5,363 |
| Net charge-offs to loans | 0.0612% | 3,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 21.6212% | 1,534 |
| Efficiency ratio | 79.9325% | 2,036 |
| Assets per employee ($millions) | 3.2337% | 5,366 |
| Cash dividends to net income (ytd only)* | 89.3343% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 4,048 |
| Loan loss allowance to noncurrent loans | 49.4913% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 2.0473% | 1,551 |
| Noncurrent loans to loans | 2.5574% | 1,210 |
| Net loans and leases to total assets | 67.5709% | 2,490 |
| Net loans and leases to deposits | 79.6897% | 2,560 |
| Net loans and leases to core deposits | 82.7940% | 2,884 |
| Total domestic deposits to total assets | 84.7925% | 3,608 |
| Equity capital to assets | 9.7925% | 4,368 |
| Core capital (leverage) ratio | 10.2017% | 3,337 |
| Tier 1 risk-based capital ratio | 14.8342% | 3,729 |
| Total risk-based capital ratio | 16.0846% | 3,668 |
| Memoranda: | ||
| Average total assets | $317,564,330 | 2,060 |
| Average earning assets | $292,445,330 | 2,059 |
| Average equity | $30,228,000 | 2,264 |
| Average total loans | $215,852,000 | 1,931 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 1,317 |
| Cost of funding earning assets | 0.4845% | 3,065 |
| Net interest margin | 4.1886% | 1,251 |
| Noninterest income to average assets | 0.6576% | 2,414 |
| Noninterest expense to average assets | 3.5829% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8941% | 2,682 |
| Return on assets (ROA) | 0.8941% | 2,742 |
| Pretax return on assets | 0.9346% | 3,577 |
| Return on Equity (ROE) | 9.5323% | 2,236 |
| Retained earnings to average equity (ytd only) | 4.7325% | 3,276 |
| Net charge-offs to loans | -0.0205% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3113% | 2,299 |
| Assets per employee ($millions) | 3.2778% | 5,390 |
| Cash dividends to net income (ytd only)* | 50.3536% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 4,006 |
| Loan loss allowance to noncurrent loans | 55.3721% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.8810% | 1,836 |
| Noncurrent loans to loans | 2.3865% | 1,473 |
| Net loans and leases to total assets | 66.2552% | 2,527 |
| Net loans and leases to deposits | 77.7395% | 2,595 |
| Net loans and leases to core deposits | 79.9394% | 2,973 |
| Total domestic deposits to total assets | 85.2273% | 3,760 |
| Equity capital to assets | 9.4580% | 4,552 |
| Core capital (leverage) ratio | 10.3724% | 3,091 |
| Tier 1 risk-based capital ratio | 14.8972% | 3,764 |
| Total risk-based capital ratio | 16.1470% | 3,722 |
| Memoranda: | ||
| Average total assets | $316,280,500 | 2,074 |
| Average earning assets | $291,458,000 | 2,067 |
| Average equity | $29,667,500 | 2,284 |
| Average total loans | $214,233,500 | 1,948 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 1,331 |
| Cost of funding earning assets | 0.5436% | 3,168 |
| Net interest margin | 4.2498% | 1,220 |
| Noninterest income to average assets | 0.3059% | 5,153 |
| Noninterest expense to average assets | 3.4878% | 1,682 |
| Loan and lease loss provision to assets | 0.2993% | 1,127 |
| Net operating income to assets | 0.3960% | 5,159 |
| Return on assets (ROA) | 0.4041% | 5,242 |
| Pretax return on assets | 0.4272% | 5,421 |
| Return on Equity (ROE) | 4.2128% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.6648% | 3,611 |
| Net charge-offs to loans | 0.4385% | 1,517 |
| Credit loss provision to net charge-offs | 105.8231% | 2,283 |
| Earnings coverage of net charge-offs (x) | 2.5386% | 4,164 |
| Efficiency ratio | 82.9292% | 1,758 |
| Assets per employee ($millions) | 3.1134% | 5,648 |
| Cash dividends to net income (ytd only)* | 13.0094% | 3,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 3,961 |
| Loan loss allowance to noncurrent loans | 64.1727% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.8539% | 1,974 |
| Noncurrent loans to loans | 2.0790% | 1,907 |
| Net loans and leases to total assets | 67.4351% | 2,448 |
| Net loans and leases to deposits | 79.4885% | 2,523 |
| Net loans and leases to core deposits | 82.4726% | 2,842 |
| Total domestic deposits to total assets | 84.8362% | 3,837 |
| Equity capital to assets | 9.2998% | 4,695 |
| Core capital (leverage) ratio | 10.2882% | 3,163 |
| Tier 1 risk-based capital ratio | 14.6603% | 3,858 |
| Total risk-based capital ratio | 15.9104% | 3,803 |
| Memoranda: | ||
| Average total assets | $315,754,200 | 2,037 |
| Average earning assets | $289,753,000 | 2,047 |
| Average equity | $30,288,400 | 2,238 |
| Average total loans | $203,639,800 | 1,973 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 1,544 |
| Cost of funding earning assets | 0.5530% | 3,232 |
| Net interest margin | 4.1686% | 1,427 |
| Noninterest income to average assets | 0.4334% | 4,278 |
| Noninterest expense to average assets | 3.4408% | 1,742 |
| Loan and lease loss provision to assets | 0.5660% | 453 |
| Net operating income to assets | 0.2558% | 5,764 |
| Return on assets (ROA) | 0.2613% | 5,848 |
| Pretax return on assets | 0.2542% | 5,967 |
| Return on Equity (ROE) | 2.7039% | 5,711 |
| Retained earnings to average equity (ytd only) | 2.3338% | 4,932 |
| Net charge-offs to loans | 0.6066% | 1,029 |
| Credit loss provision to net charge-offs | 146.8341% | 1,603 |
| Earnings coverage of net charge-offs (x) | 2.1135% | 4,133 |
| Efficiency ratio | 80.8563% | 1,986 |
| Assets per employee ($millions) | 3.2524% | 5,381 |
| Cash dividends to net income (ytd only)* | 13.6875% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 3,040 |
| Loan loss allowance to noncurrent loans | 66.8607% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 2.6042% | 1,458 |
| Noncurrent loans to loans | 2.3789% | 1,849 |
| Net loans and leases to total assets | 63.7275% | 3,036 |
| Net loans and leases to deposits | 73.2245% | 3,358 |
| Net loans and leases to core deposits | 76.0486% | 3,610 |
| Total domestic deposits to total assets | 87.0303% | 2,675 |
| Equity capital to assets | 9.0796% | 5,085 |
| Core capital (leverage) ratio | 10.0212% | 3,654 |
| Tier 1 risk-based capital ratio | 14.7911% | 3,880 |
| Total risk-based capital ratio | 16.0426% | 3,838 |
| Memoranda: | ||
| Average total assets | $316,857,500 | 2,040 |
| Average earning assets | $290,513,000 | 2,047 |
| Average equity | $30,622,000 | 2,238 |
| Average total loans | $201,351,750 | 1,999 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 1,799 |
| Cost of funding earning assets | 0.5539% | 3,373 |
| Net interest margin | 4.0619% | 1,656 |
| Noninterest income to average assets | 0.3467% | 4,918 |
| Noninterest expense to average assets | 3.4014% | 1,815 |
| Loan and lease loss provision to assets | 0.8448% | 244 |
| Net operating income to assets | -0.1360% | 6,444 |
| Return on assets (ROA) | -0.1294% | 6,480 |
| Pretax return on assets | -0.1602% | 6,469 |
| Return on Equity (ROE) | -1.3130% | 6,480 |
| Retained earnings to average equity (ytd only) | -1.8547% | 6,175 |
| Net charge-offs to loans | 1.0902% | 553 |
| Credit loss provision to net charge-offs | 122.7190% | 1,824 |
| Earnings coverage of net charge-offs (x) | 0.9827% | 4,204 |
| Efficiency ratio | 83.4104% | 1,705 |
| Assets per employee ($millions) | 3.0945% | 5,693 |
| Cash dividends to net income (ytd only)* | -41.2621% | 6,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 3,584 |
| Loan loss allowance to noncurrent loans | 47.7960% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 2.8789% | 1,425 |
| Noncurrent loans to loans | 3.1402% | 1,400 |
| Net loans and leases to total assets | 63.1223% | 3,083 |
| Net loans and leases to deposits | 72.7271% | 3,353 |
| Net loans and leases to core deposits | 76.3335% | 3,505 |
| Total domestic deposits to total assets | 86.7933% | 2,946 |
| Equity capital to assets | 9.3438% | 4,794 |
| Core capital (leverage) ratio | 9.7445% | 3,871 |
| Tier 1 risk-based capital ratio | 14.6562% | 3,995 |
| Total risk-based capital ratio | 15.9080% | 3,956 |
| Memoranda: | ||
| Average total assets | $318,400,670 | 2,030 |
| Average earning assets | $292,472,000 | 2,031 |
| Average equity | $31,379,670 | 2,190 |
| Average total loans | $201,072,000 | 2,004 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,937 |
| Cost of funding earning assets | 0.5671% | 3,405 |
| Net interest margin | 3.9968% | 1,801 |
| Noninterest income to average assets | 0.3252% | 5,104 |
| Noninterest expense to average assets | 3.3786% | 1,879 |
| Loan and lease loss provision to assets | 1.3134% | 117 |
| Net operating income to assets | -0.6329% | 6,722 |
| Return on assets (ROA) | -0.6329% | 6,738 |
| Pretax return on assets | -0.6992% | 6,733 |
| Return on Equity (ROE) | -6.2618% | 6,725 |
| Retained earnings to average equity (ytd only) | -6.2618% | 6,431 |
| Net charge-offs to loans | 0.0239% | 3,704 |
| Credit loss provision to net charge-offs | 8,750.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 40.9167% | 779 |
| Efficiency ratio | 84.6178% | 1,689 |
| Assets per employee ($millions) | 3.3300% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9124% | 2,269 |
| Loan loss allowance to noncurrent loans | 38.8404% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 3.8798% | 1,052 |
| Noncurrent loans to loans | 4.9238% | 782 |
| Net loans and leases to total assets | 60.7366% | 3,301 |
| Net loans and leases to deposits | 70.2525% | 3,438 |
| Net loans and leases to core deposits | 73.3356% | 3,663 |
| Total domestic deposits to total assets | 86.4547% | 3,271 |
| Equity capital to assets | 9.8534% | 4,347 |
| Core capital (leverage) ratio | 9.6134% | 3,898 |
| Tier 1 risk-based capital ratio | 14.6428% | 4,072 |
| Total risk-based capital ratio | 15.9003% | 4,030 |
| Memoranda: | ||
| Average total assets | $319,779,500 | 2,045 |
| Average earning assets | $293,434,000 | 2,056 |
| Average equity | $32,323,000 | 2,162 |
| Average total loans | $200,469,500 | 2,023 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8773% | 1,917 |
| Cost of funding earning assets | 0.7515% | 3,078 |
| Net interest margin | 4.1258% | 1,896 |
| Noninterest income to average assets | 0.2327% | 5,780 |
| Noninterest expense to average assets | 3.1405% | 2,806 |
| Loan and lease loss provision to assets | 0.4982% | 1,201 |
| Net operating income to assets | 0.3532% | 5,280 |
| Return on assets (ROA) | 0.6696% | 4,156 |
| Pretax return on assets | 0.6905% | 4,697 |
| Return on Equity (ROE) | 6.8718% | 3,713 |
| Retained earnings to average equity (ytd only) | 5.0783% | 2,658 |
| Net charge-offs to loans | 0.8968% | 1,271 |
| Credit loss provision to net charge-offs | 85.7068% | 3,646 |
| Earnings coverage of net charge-offs (x) | 1.4836% | 4,703 |
| Efficiency ratio | 78.4544% | 2,369 |
| Assets per employee ($millions) | 3.4038% | 5,205 |
| Cash dividends to net income (ytd only)* | 26.0989% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 4,227 |
| Loan loss allowance to noncurrent loans | 31.0253% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 3.8948% | 1,119 |
| Noncurrent loans to loans | 4.4707% | 958 |
| Net loans and leases to total assets | 62.5943% | 3,150 |
| Net loans and leases to deposits | 72.9592% | 3,254 |
| Net loans and leases to core deposits | 76.2691% | 3,491 |
| Total domestic deposits to total assets | 85.7935% | 3,461 |
| Equity capital to assets | 10.3676% | 3,672 |
| Core capital (leverage) ratio | 9.7155% | 3,781 |
| Tier 1 risk-based capital ratio | 14.7317% | 3,877 |
| Total risk-based capital ratio | 15.9802% | 3,830 |
| Memoranda: | ||
| Average total assets | $326,160,200 | 1,970 |
| Average earning assets | $298,054,000 | 1,985 |
| Average equity | $31,782,000 | 2,152 |
| Average total loans | $211,409,800 | 1,909 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 1,846 |
| Cost of funding earning assets | 0.7909% | 3,021 |
| Net interest margin | 4.1540% | 1,888 |
| Noninterest income to average assets | 0.2135% | 6,014 |
| Noninterest expense to average assets | 3.1007% | 2,887 |
| Loan and lease loss provision to assets | 0.5174% | 1,171 |
| Net operating income to assets | 0.3748% | 5,355 |
| Return on assets (ROA) | 0.7897% | 3,742 |
| Pretax return on assets | 0.8234% | 4,402 |
| Return on Equity (ROE) | 8.2309% | 3,173 |
| Retained earnings to average equity (ytd only) | 6.9239% | 2,167 |
| Net charge-offs to loans | 0.7563% | 1,461 |
| Credit loss provision to net charge-offs | 105.0247% | 2,798 |
| Earnings coverage of net charge-offs (x) | 1.8443% | 4,339 |
| Efficiency ratio | 77.3381% | 2,474 |
| Assets per employee ($millions) | 3.4269% | 5,148 |
| Cash dividends to net income (ytd only)* | 15.8787% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 3,990 |
| Loan loss allowance to noncurrent loans | 40.9963% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 3.3082% | 1,541 |
| Noncurrent loans to loans | 3.6373% | 1,484 |
| Net loans and leases to total assets | 63.2902% | 3,157 |
| Net loans and leases to deposits | 73.4097% | 3,385 |
| Net loans and leases to core deposits | 77.3738% | 3,555 |
| Total domestic deposits to total assets | 86.2150% | 3,140 |
| Equity capital to assets | 10.0410% | 4,434 |
| Core capital (leverage) ratio | 9.5269% | 4,229 |
| Tier 1 risk-based capital ratio | 14.2437% | 4,354 |
| Total risk-based capital ratio | 15.4935% | 4,323 |
| Memoranda: | ||
| Average total assets | $328,562,000 | 1,975 |
| Average earning assets | $300,232,500 | 1,987 |
| Average equity | $31,522,750 | 2,187 |
| Average total loans | $214,029,500 | 1,912 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9793% | 1,844 |
| Cost of funding earning assets | 0.8475% | 2,814 |
| Net interest margin | 4.1318% | 1,961 |
| Noninterest income to average assets | 0.2075% | 6,076 |
| Noninterest expense to average assets | 3.0786% | 2,988 |
| Loan and lease loss provision to assets | 0.5765% | 1,052 |
| Net operating income to assets | 0.3156% | 5,564 |
| Return on assets (ROA) | 0.8581% | 3,369 |
| Pretax return on assets | 0.9018% | 4,074 |
| Return on Equity (ROE) | 9.0833% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.7814% | 1,348 |
| Net charge-offs to loans | 0.6102% | 1,795 |
| Credit loss provision to net charge-offs | 144.3769% | 1,921 |
| Earnings coverage of net charge-offs (x) | 2.2720% | 3,860 |
| Efficiency ratio | 77.2381% | 2,559 |
| Assets per employee ($millions) | 3.4609% | 5,067 |
| Cash dividends to net income (ytd only)* | 3.3239% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 3,738 |
| Loan loss allowance to noncurrent loans | 86.9452% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 2.1800% | 2,562 |
| Noncurrent loans to loans | 1.7950% | 3,223 |
| Net loans and leases to total assets | 63.5964% | 3,124 |
| Net loans and leases to deposits | 73.3366% | 3,404 |
| Net loans and leases to core deposits | 77.0610% | 3,647 |
| Total domestic deposits to total assets | 86.7185% | 2,951 |
| Equity capital to assets | 9.6525% | 4,827 |
| Core capital (leverage) ratio | 9.1917% | 4,622 |
| Tier 1 risk-based capital ratio | 13.4800% | 4,842 |
| Total risk-based capital ratio | 14.7313% | 4,799 |
| Memoranda: | ||
| Average total assets | $329,564,000 | 1,969 |
| Average earning assets | $301,369,330 | 1,972 |
| Average equity | $31,134,000 | 2,196 |
| Average total loans | $215,651,330 | 1,894 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 1,784 |
| Cost of funding earning assets | 0.8748% | 2,873 |
| Net interest margin | 4.1571% | 1,908 |
| Noninterest income to average assets | 0.3047% | 5,442 |
| Noninterest expense to average assets | 3.1101% | 2,885 |
| Loan and lease loss provision to assets | 0.3656% | 1,724 |
| Net operating income to assets | 0.6019% | 4,332 |
| Return on assets (ROA) | 0.9932% | 2,701 |
| Pretax return on assets | 1.0456% | 3,517 |
| Return on Equity (ROE) | 10.6307% | 2,172 |
| Retained earnings to average equity (ytd only) | 10.0176% | 1,265 |
| Net charge-offs to loans | 0.7328% | 1,388 |
| Credit loss provision to net charge-offs | 75.7576% | 2,805 |
| Earnings coverage of net charge-offs (x) | 2.0707% | 3,321 |
| Efficiency ratio | 75.6821% | 2,828 |
| Assets per employee ($millions) | 3.6337% | 4,802 |
| Cash dividends to net income (ytd only)* | 5.7669% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 4,686 |
| Loan loss allowance to noncurrent loans | 47.3617% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 2.9132% | 1,987 |
| Noncurrent loans to loans | 2.9171% | 2,223 |
| Net loans and leases to total assets | 63.2440% | 2,994 |
| Net loans and leases to deposits | 72.4985% | 3,354 |
| Net loans and leases to core deposits | 76.6289% | 3,537 |
| Total domestic deposits to total assets | 87.2349% | 2,809 |
| Equity capital to assets | 9.2099% | 5,220 |
| Core capital (leverage) ratio | 9.1523% | 4,599 |
| Tier 1 risk-based capital ratio | 13.0688% | 5,156 |
| Total risk-based capital ratio | 14.3166% | 5,126 |
| Memoranda: | ||
| Average total assets | $328,223,500 | 1,979 |
| Average earning assets | $300,404,000 | 1,979 |
| Average equity | $30,666,000 | 2,223 |
| Average total loans | $216,154,000 | 1,891 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4098% | 1,395 |
| Cost of funding earning assets | 1.0448% | 3,066 |
| Net interest margin | 4.3650% | 1,496 |
| Noninterest income to average assets | -0.0050% | 7,008 |
| Noninterest expense to average assets | 3.1025% | 3,186 |
| Loan and lease loss provision to assets | 1.1750% | 756 |
| Net operating income to assets | -0.2595% | 6,306 |
| Return on assets (ROA) | -0.2020% | 6,331 |
| Pretax return on assets | -0.2409% | 6,313 |
| Return on Equity (ROE) | -2.1705% | 6,352 |
| Retained earnings to average equity (ytd only) | -2.8160% | 6,247 |
| Net charge-offs to loans | 1.6122% | 976 |
| Credit loss provision to net charge-offs | 103.0005% | 3,358 |
| Earnings coverage of net charge-offs (x) | 0.7589% | 5,234 |
| Efficiency ratio | 78.1211% | 2,572 |
| Assets per employee ($millions) | 3.5401% | 4,915 |
| Cash dividends to net income (ytd only)* | -29.7381% | 7,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 4,441 |
| Loan loss allowance to noncurrent loans | 53.5739% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.9626% | 2,027 |
| Noncurrent loans to loans | 2.6193% | 2,496 |
| Net loans and leases to total assets | 66.6973% | 2,643 |
| Net loans and leases to deposits | 76.8061% | 3,038 |
| Net loans and leases to core deposits | 80.4302% | 3,401 |
| Total domestic deposits to total assets | 86.8385% | 2,853 |
| Equity capital to assets | 9.4811% | 4,913 |
| Core capital (leverage) ratio | 9.1634% | 4,521 |
| Tier 1 risk-based capital ratio | 12.7849% | 5,251 |
| Total risk-based capital ratio | 14.0336% | 5,234 |
| Memoranda: | ||
| Average total assets | $321,349,400 | 2,002 |
| Average earning assets | $292,505,800 | 2,003 |
| Average equity | $29,900,600 | 2,208 |
| Average total loans | $227,387,800 | 1,821 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5097% | 1,229 |
| Cost of funding earning assets | 1.0895% | 3,047 |
| Net interest margin | 4.4202% | 1,345 |
| Noninterest income to average assets | -0.1038% | 7,209 |
| Noninterest expense to average assets | 3.2250% | 2,747 |
| Loan and lease loss provision to assets | 1.3186% | 563 |
| Net operating income to assets | -0.5709% | 6,680 |
| Return on assets (ROA) | -0.4878% | 6,677 |
| Pretax return on assets | -0.5356% | 6,642 |
| Return on Equity (ROE) | -5.2678% | 6,687 |
| Retained earnings to average equity (ytd only) | -6.1330% | 6,652 |
| Net charge-offs to loans | 1.9516% | 660 |
| Credit loss provision to net charge-offs | 94.4395% | 3,623 |
| Earnings coverage of net charge-offs (x) | 0.4954% | 5,249 |
| Efficiency ratio | 82.2769% | 1,936 |
| Assets per employee ($millions) | 3.3827% | 5,290 |
| Cash dividends to net income (ytd only)* | -16.4257% | 7,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 5,222 |
| Loan loss allowance to noncurrent loans | 55.6093% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.9501% | 2,182 |
| Noncurrent loans to loans | 2.2565% | 3,048 |
| Net loans and leases to total assets | 66.9072% | 2,692 |
| Net loans and leases to deposits | 76.8855% | 3,180 |
| Net loans and leases to core deposits | 80.7847% | 3,515 |
| Total domestic deposits to total assets | 87.0218% | 2,647 |
| Equity capital to assets | 9.3315% | 5,331 |
| Core capital (leverage) ratio | 9.0068% | 4,914 |
| Tier 1 risk-based capital ratio | 12.4820% | 5,498 |
| Total risk-based capital ratio | 13.6719% | 5,550 |
| Memoranda: | ||
| Average total assets | $321,150,500 | 2,010 |
| Average earning assets | $292,106,750 | 2,013 |
| Average equity | $29,740,000 | 2,211 |
| Average total loans | $229,754,750 | 1,829 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6084% | 1,059 |
| Cost of funding earning assets | 1.1159% | 3,120 |
| Net interest margin | 4.4925% | 1,148 |
| Noninterest income to average assets | -0.0050% | 7,206 |
| Noninterest expense to average assets | 3.2417% | 2,759 |
| Loan and lease loss provision to assets | 1.0158% | 849 |
| Net operating income to assets | -0.1511% | 6,415 |
| Return on assets (ROA) | -0.1144% | 6,416 |
| Pretax return on assets | -0.1350% | 6,395 |
| Return on Equity (ROE) | -1.2385% | 6,433 |
| Retained earnings to average equity (ytd only) | -2.5446% | 6,317 |
| Net charge-offs to loans | 1.2558% | 1,240 |
| Credit loss provision to net charge-offs | 111.0731% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.9159% | 4,613 |
| Efficiency ratio | 79.4055% | 2,483 |
| Assets per employee ($millions) | 3.2461% | 5,537 |
| Cash dividends to net income (ytd only)* | -105.4645% | 7,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 4,791 |
| Loan loss allowance to noncurrent loans | 66.1561% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 2.9794% | 2,249 |
| Noncurrent loans to loans | 2.0517% | 3,410 |
| Net loans and leases to total assets | 71.0484% | 1,991 |
| Net loans and leases to deposits | 81.8689% | 2,475 |
| Net loans and leases to core deposits | 86.2996% | 2,863 |
| Total domestic deposits to total assets | 86.7832% | 2,866 |
| Equity capital to assets | 9.4701% | 4,857 |
| Core capital (leverage) ratio | 9.3167% | 4,228 |
| Tier 1 risk-based capital ratio | 12.6116% | 5,248 |
| Total risk-based capital ratio | 13.8599% | 5,219 |
| Memoranda: | ||
| Average total assets | $319,954,670 | 2,025 |
| Average earning assets | $290,887,330 | 2,032 |
| Average equity | $29,552,330 | 2,209 |
| Average total loans | $232,995,000 | 1,831 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5177% | 1,249 |
| Cost of funding earning assets | 1.1214% | 3,364 |
| Net interest margin | 4.3963% | 1,288 |
| Noninterest income to average assets | -0.0262% | 7,333 |
| Noninterest expense to average assets | 3.1801% | 2,962 |
| Loan and lease loss provision to assets | 0.2805% | 2,913 |
| Net operating income to assets | 0.4883% | 4,533 |
| Return on assets (ROA) | 0.5086% | 4,540 |
| Pretax return on assets | 0.5323% | 4,921 |
| Return on Equity (ROE) | 5.5765% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.5765% | 2,864 |
| Net charge-offs to loans | 0.2826% | 2,937 |
| Credit loss provision to net charge-offs | 135.5422% | 2,054 |
| Earnings coverage of net charge-offs (x) | 3.8253% | 2,622 |
| Efficiency ratio | 80.0063% | 2,531 |
| Assets per employee ($millions) | 3.2860% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 5,277 |
| Loan loss allowance to noncurrent loans | 57.1673% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 3.3212% | 2,054 |
| Noncurrent loans to loans | 2.2272% | 3,286 |
| Net loans and leases to total assets | 72.4067% | 1,631 |
| Net loans and leases to deposits | 83.0989% | 2,170 |
| Net loans and leases to core deposits | 87.8656% | 2,616 |
| Total domestic deposits to total assets | 87.1331% | 2,873 |
| Equity capital to assets | 9.2349% | 4,833 |
| Core capital (leverage) ratio | 9.5602% | 3,711 |
| Tier 1 risk-based capital ratio | 12.6100% | 5,155 |
| Total risk-based capital ratio | 13.8454% | 5,148 |
| Memoranda: | ||
| Average total assets | $320,873,500 | 2,030 |
| Average earning assets | $291,790,500 | 2,046 |
| Average equity | $29,265,500 | 2,218 |
| Average total loans | $234,929,000 | 1,831 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7793% | 1,330 |
| Cost of funding earning assets | 1.3315% | 3,681 |
| Net interest margin | 4.4478% | 1,360 |
| Noninterest income to average assets | 0.2886% | 5,722 |
| Noninterest expense to average assets | 3.2772% | 2,806 |
| Loan and lease loss provision to assets | 0.6235% | 2,645 |
| Net operating income to assets | 0.3908% | 4,584 |
| Return on assets (ROA) | 0.5986% | 3,838 |
| Pretax return on assets | 0.6192% | 4,263 |
| Return on Equity (ROE) | 6.4628% | 3,369 |
| Retained earnings to average equity (ytd only) | 3.7098% | 3,266 |
| Net charge-offs to loans | 0.7412% | 2,800 |
| Credit loss provision to net charge-offs | 111.2653% | 3,944 |
| Earnings coverage of net charge-offs (x) | 1.8352% | 4,350 |
| Efficiency ratio | 76.0563% | 3,047 |
| Assets per employee ($millions) | 3.3655% | 5,257 |
| Cash dividends to net income (ytd only)* | 42.5974% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 5,197 |
| Loan loss allowance to noncurrent loans | 75.9794% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 3.0789% | 2,292 |
| Noncurrent loans to loans | 1.6604% | 4,014 |
| Net loans and leases to total assets | 72.1675% | 2,067 |
| Net loans and leases to deposits | 82.7093% | 2,683 |
| Net loans and leases to core deposits | 86.6747% | 3,231 |
| Total domestic deposits to total assets | 87.2545% | 2,694 |
| Equity capital to assets | 9.0054% | 5,137 |
| Core capital (leverage) ratio | 9.5914% | 3,571 |
| Tier 1 risk-based capital ratio | 12.6133% | 4,924 |
| Total risk-based capital ratio | 13.8298% | 4,943 |
| Memoranda: | ||
| Average total assets | $321,557,000 | 2,025 |
| Average earning assets | $290,414,200 | 2,042 |
| Average equity | $29,786,000 | 2,192 |
| Average total loans | $243,105,600 | 1,802 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8119% | 1,358 |
| Cost of funding earning assets | 1.3805% | 3,701 |
| Net interest margin | 4.4314% | 1,421 |
| Noninterest income to average assets | 0.3341% | 5,489 |
| Noninterest expense to average assets | 3.2896% | 2,603 |
| Loan and lease loss provision to assets | 0.5176% | 2,869 |
| Net operating income to assets | 0.5027% | 4,303 |
| Return on assets (ROA) | 0.7229% | 3,463 |
| Pretax return on assets | 0.7515% | 4,074 |
| Return on Equity (ROE) | 7.7509% | 3,005 |
| Retained earnings to average equity (ytd only) | 5.0652% | 2,940 |
| Net charge-offs to loans | 0.4552% | 3,475 |
| Credit loss provision to net charge-offs | 149.1647% | 2,609 |
| Earnings coverage of net charge-offs (x) | 2.9964% | 3,631 |
| Efficiency ratio | 75.9277% | 2,967 |
| Assets per employee ($millions) | 3.3199% | 5,402 |
| Cash dividends to net income (ytd only)* | 34.6508% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,852 |
| Loan loss allowance to noncurrent loans | 116.8826% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 2.6358% | 2,748 |
| Noncurrent loans to loans | 1.1291% | 4,977 |
| Net loans and leases to total assets | 74.8480% | 1,607 |
| Net loans and leases to deposits | 86.5646% | 2,227 |
| Net loans and leases to core deposits | 91.4729% | 2,881 |
| Total domestic deposits to total assets | 86.4649% | 2,818 |
| Equity capital to assets | 9.7066% | 4,540 |
| Core capital (leverage) ratio | 9.6220% | 3,731 |
| Tier 1 risk-based capital ratio | 12.4731% | 5,011 |
| Total risk-based capital ratio | 13.7213% | 4,983 |
| Memoranda: | ||
| Average total assets | $322,016,250 | 2,046 |
| Average earning assets | $290,315,500 | 2,078 |
| Average equity | $30,034,500 | 2,194 |
| Average total loans | $245,461,500 | 1,809 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7804% | 1,478 |
| Cost of funding earning assets | 1.4419% | 3,605 |
| Net interest margin | 4.3386% | 1,637 |
| Noninterest income to average assets | 0.4293% | 4,681 |
| Noninterest expense to average assets | 3.2194% | 2,838 |
| Loan and lease loss provision to assets | 0.4781% | 2,912 |
| Net operating income to assets | 0.6212% | 3,776 |
| Return on assets (ROA) | 0.7106% | 3,516 |
| Pretax return on assets | 0.7378% | 4,116 |
| Return on Equity (ROE) | 7.7208% | 3,003 |
| Retained earnings to average equity (ytd only) | 5.1003% | 2,847 |
| Net charge-offs to loans | 0.3603% | 3,552 |
| Credit loss provision to net charge-offs | 173.7668% | 2,248 |
| Earnings coverage of net charge-offs (x) | 4.0807% | 3,061 |
| Efficiency ratio | 74.0872% | 3,460 |
| Assets per employee ($millions) | 3.3296% | 5,357 |
| Cash dividends to net income (ytd only)* | 33.9410% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 5,087 |
| Loan loss allowance to noncurrent loans | 94.9645% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 2.8544% | 2,532 |
| Noncurrent loans to loans | 1.3359% | 4,715 |
| Net loans and leases to total assets | 74.8423% | 1,728 |
| Net loans and leases to deposits | 86.2435% | 2,474 |
| Net loans and leases to core deposits | 90.9668% | 3,128 |
| Total domestic deposits to total assets | 86.7803% | 2,661 |
| Equity capital to assets | 9.5065% | 4,690 |
| Core capital (leverage) ratio | 9.3647% | 4,016 |
| Tier 1 risk-based capital ratio | 12.0989% | 5,228 |
| Total risk-based capital ratio | 13.3298% | 5,211 |
| Memoranda: | ||
| Average total assets | $324,223,670 | 2,047 |
| Average earning assets | $292,400,670 | 2,076 |
| Average equity | $29,841,330 | 2,201 |
| Average total loans | $247,541,000 | 1,823 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7360% | 1,654 |
| Cost of funding earning assets | 1.5354% | 3,350 |
| Net interest margin | 4.2006% | 2,037 |
| Noninterest income to average assets | 0.4631% | 4,356 |
| Noninterest expense to average assets | 3.1484% | 3,061 |
| Loan and lease loss provision to assets | 0.4900% | 2,539 |
| Net operating income to assets | 0.5947% | 3,912 |
| Return on assets (ROA) | 0.7265% | 3,436 |
| Pretax return on assets | 0.7559% | 4,044 |
| Return on Equity (ROE) | 8.0221% | 2,873 |
| Retained earnings to average equity (ytd only) | 8.0221% | 1,702 |
| Net charge-offs to loans | -0.2542% | 7,714 |
| Credit loss provision to net charge-offs | -251.5723% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8993% | 3,592 |
| Assets per employee ($millions) | 3.3744% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 4,782 |
| Loan loss allowance to noncurrent loans | 69.4994% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 2.8996% | 2,471 |
| Noncurrent loans to loans | 1.9120% | 3,906 |
| Net loans and leases to total assets | 75.7324% | 1,599 |
| Net loans and leases to deposits | 88.4870% | 2,138 |
| Net loans and leases to core deposits | 93.9779% | 2,842 |
| Total domestic deposits to total assets | 85.5859% | 3,367 |
| Equity capital to assets | 9.2315% | 4,947 |
| Core capital (leverage) ratio | 9.2234% | 4,182 |
| Tier 1 risk-based capital ratio | 11.7723% | 5,429 |
| Total risk-based capital ratio | 13.0211% | 5,367 |
| Memoranda: | ||
| Average total assets | $326,513,500 | 2,083 |
| Average earning assets | $294,908,000 | 2,117 |
| Average equity | $29,568,500 | 2,240 |
| Average total loans | $250,160,000 | 1,868 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7516% | 2,857 |
| Cost of funding earning assets | 2.0390% | 2,777 |
| Net interest margin | 3.7126% | 4,082 |
| Noninterest income to average assets | 0.5656% | 3,902 |
| Noninterest expense to average assets | 3.1181% | 3,660 |
| Loan and lease loss provision to assets | 0.5310% | 3,718 |
| Net operating income to assets | 0.3076% | 4,506 |
| Return on assets (ROA) | 0.3635% | 4,373 |
| Pretax return on assets | 0.3662% | 4,591 |
| Return on Equity (ROE) | 4.3942% | 3,930 |
| Retained earnings to average equity (ytd only) | 1.8340% | 3,814 |
| Net charge-offs to loans | 0.6625% | 3,196 |
| Credit loss provision to net charge-offs | 103.6730% | 5,329 |
| Earnings coverage of net charge-offs (x) | 1.6416% | 4,508 |
| Efficiency ratio | 78.7001% | 3,092 |
| Assets per employee ($millions) | 3.3580% | 5,346 |
| Cash dividends to net income (ytd only)* | 58.2638% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 5,945 |
| Loan loss allowance to noncurrent loans | 67.3705% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.5608% | 2,728 |
| Noncurrent loans to loans | 1.6183% | 4,222 |
| Net loans and leases to total assets | 75.6470% | 1,892 |
| Net loans and leases to deposits | 89.5854% | 2,282 |
| Net loans and leases to core deposits | 108.3356% | 3,067 |
| Total domestic deposits to total assets | 84.4412% | 3,823 |
| Equity capital to assets | 8.8829% | 5,308 |
| Core capital (leverage) ratio | 8.8969% | 4,592 |
| Tier 1 risk-based capital ratio | 11.3994% | 5,512 |
| Total risk-based capital ratio | 12.4614% | 5,657 |
| Memoranda: | ||
| Average total assets | $329,557,800 | 2,055 |
| Average earning assets | $301,219,800 | 2,066 |
| Average equity | $27,263,000 | 2,426 |
| Average total loans | $254,786,000 | 1,864 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7354% | 3,161 |
| Cost of funding earning assets | 2.1247% | 2,773 |
| Net interest margin | 3.6108% | 4,439 |
| Noninterest income to average assets | 0.5678% | 3,943 |
| Noninterest expense to average assets | 3.1557% | 3,446 |
| Loan and lease loss provision to assets | 0.2204% | 5,210 |
| Net operating income to assets | 0.4907% | 4,021 |
| Return on assets (ROA) | 0.5468% | 3,887 |
| Pretax return on assets | 0.5609% | 4,329 |
| Return on Equity (ROE) | 6.7335% | 3,195 |
| Retained earnings to average equity (ytd only) | 3.4813% | 3,344 |
| Net charge-offs to loans | 0.3626% | 3,838 |
| Credit loss provision to net charge-offs | 78.4173% | 5,799 |
| Earnings coverage of net charge-offs (x) | 2.5741% | 3,938 |
| Efficiency ratio | 81.2865% | 2,682 |
| Assets per employee ($millions) | 3.4951% | 4,941 |
| Cash dividends to net income (ytd only)* | 48.2986% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 6,186 |
| Loan loss allowance to noncurrent loans | 61.3708% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 2.3536% | 2,926 |
| Noncurrent loans to loans | 1.6542% | 4,160 |
| Net loans and leases to total assets | 73.6383% | 2,632 |
| Net loans and leases to deposits | 87.2740% | 3,093 |
| Net loans and leases to core deposits | 106.2880% | 3,670 |
| Total domestic deposits to total assets | 84.3760% | 3,538 |
| Equity capital to assets | 8.9539% | 5,548 |
| Core capital (leverage) ratio | 8.8367% | 4,913 |
| Tier 1 risk-based capital ratio | 11.6314% | 5,305 |
| Total risk-based capital ratio | 12.6252% | 5,504 |
| Memoranda: | ||
| Average total assets | $329,677,000 | 2,072 |
| Average earning assets | $302,346,250 | 2,072 |
| Average equity | $26,770,750 | 2,488 |
| Average total loans | $255,561,500 | 1,884 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7728% | 3,182 |
| Cost of funding earning assets | 2.2091% | 2,753 |
| Net interest margin | 3.5637% | 4,524 |
| Noninterest income to average assets | 0.5767% | 3,857 |
| Noninterest expense to average assets | 3.1319% | 3,574 |
| Loan and lease loss provision to assets | 0.1648% | 5,415 |
| Net operating income to assets | 0.5356% | 3,957 |
| Return on assets (ROA) | 0.5895% | 3,833 |
| Pretax return on assets | 0.6060% | 4,305 |
| Return on Equity (ROE) | 7.5234% | 2,960 |
| Retained earnings to average equity (ytd only) | 3.4657% | 3,383 |
| Net charge-offs to loans | 0.4737% | 2,938 |
| Credit loss provision to net charge-offs | 44.2623% | 5,842 |
| Earnings coverage of net charge-offs (x) | 1.9213% | 4,143 |
| Efficiency ratio | 81.3452% | 2,833 |
| Assets per employee ($millions) | 3.3630% | 5,154 |
| Cash dividends to net income (ytd only)* | 53.9337% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 6,659 |
| Loan loss allowance to noncurrent loans | 193.6364% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3765% | 4,207 |
| Noncurrent loans to loans | 0.4792% | 6,327 |
| Net loans and leases to total assets | 75.1307% | 2,408 |
| Net loans and leases to deposits | 88.5782% | 3,074 |
| Net loans and leases to core deposits | 109.3175% | 3,457 |
| Total domestic deposits to total assets | 84.8184% | 3,348 |
| Equity capital to assets | 8.5121% | 6,027 |
| Core capital (leverage) ratio | 8.8817% | 4,815 |
| Tier 1 risk-based capital ratio | 11.5252% | 5,354 |
| Total risk-based capital ratio | 12.4435% | 5,605 |
| Memoranda: | ||
| Average total assets | $327,726,670 | 2,107 |
| Average earning assets | $300,754,000 | 2,111 |
| Average equity | $25,680,000 | 2,585 |
| Average total loans | $257,545,000 | 1,901 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8061% | 3,266 |
| Cost of funding earning assets | 2.2834% | 2,775 |
| Net interest margin | 3.5227% | 4,639 |
| Noninterest income to average assets | 0.5758% | 3,719 |
| Noninterest expense to average assets | 3.0721% | 3,482 |
| Loan and lease loss provision to assets | 0.1476% | 5,054 |
| Net operating income to assets | 0.5801% | 4,106 |
| Return on assets (ROA) | 0.6127% | 4,154 |
| Pretax return on assets | 0.6275% | 4,667 |
| Return on Equity (ROE) | 8.1807% | 3,063 |
| Retained earnings to average equity (ytd only) | 8.1807% | 1,741 |
| Net charge-offs to loans | 0.0261% | 5,169 |
| Credit loss provision to net charge-offs | 705.8824% | 841 |
| Earnings coverage of net charge-offs (x) | 35.4706% | 937 |
| Efficiency ratio | 80.4839% | 2,749 |
| Assets per employee ($millions) | 3.3119% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 5,677 |
| Loan loss allowance to noncurrent loans | 182.6885% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 6,061 |
| Noncurrent loans to loans | 0.5866% | 5,930 |
| Net loans and leases to total assets | 78.4407% | 1,707 |
| Net loans and leases to deposits | 91.3866% | 2,713 |
| Net loans and leases to core deposits | 114.4841% | 2,958 |
| Total domestic deposits to total assets | 85.8339% | 2,805 |
| Equity capital to assets | 7.4615% | 7,382 |
| Core capital (leverage) ratio | 7.8469% | 6,698 |
| Tier 1 risk-based capital ratio | 9.9239% | 7,009 |
| Total risk-based capital ratio | 11.0106% | 7,097 |
| Memoranda: | ||
| Average total assets | $325,122,000 | 2,137 |
| Average earning assets | $298,857,500 | 2,133 |
| Average equity | $24,350,000 | 2,725 |
| Average total loans | $260,077,500 | 1,905 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6611% | 2,196 |
| Cost of funding earning assets | 2.7019% | 3,147 |
| Net interest margin | 3.9592% | 3,311 |
| Noninterest income to average assets | 0.5907% | 3,909 |
| Noninterest expense to average assets | 3.2531% | 3,145 |
| Loan and lease loss provision to assets | 0.0231% | 7,108 |
| Net operating income to assets | 0.9061% | 2,971 |
| Return on assets (ROA) | 0.9431% | 2,684 |
| Pretax return on assets | 0.9871% | 3,423 |
| Return on Equity (ROE) | 12.8168% | 1,379 |
| Retained earnings to average equity (ytd only) | 5.3536% | 1,835 |
| Net charge-offs to loans | -0.0397% | 8,003 |
| Credit loss provision to net charge-offs | -72.8155% | 7,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9410% | 3,086 |
| Assets per employee ($millions) | 3.2562% | 5,319 |
| Cash dividends to net income (ytd only)* | 58.2299% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 5,767 |
| Loan loss allowance to noncurrent loans | 444.9420% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 6,785 |
| Noncurrent loans to loans | 0.2318% | 6,690 |
| Net loans and leases to total assets | 79.8770% | 1,692 |
| Net loans and leases to deposits | 93.2655% | 2,909 |
| Net loans and leases to core deposits | 120.2479% | 2,657 |
| Total domestic deposits to total assets | 85.6448% | 2,568 |
| Equity capital to assets | 7.5179% | 7,365 |
| Core capital (leverage) ratio | 7.6988% | 6,935 |
| Tier 1 risk-based capital ratio | 9.7342% | 7,041 |
| Total risk-based capital ratio | 10.7813% | 7,192 |
| Memoranda: | ||
| Average total assets | $324,674,200 | 2,060 |
| Average earning assets | $298,014,200 | 2,055 |
| Average equity | $23,890,600 | 2,741 |
| Average total loans | $259,659,600 | 1,837 |