Home > First Community Bank > Performance and Condition Ratios
First Community 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 | 4.1653% | 2,695 |
| Cost of funding earning assets | 0.7625% | 611 |
| Net interest margin | 3.4028% | 3,944 |
| Noninterest income to average assets | 0.3387% | 4,518 |
| Noninterest expense to average assets | 3.8384% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2699% | 6,077 |
| Return on assets (ROA) | -0.2673% | 6,090 |
| Pretax return on assets | -0.2673% | 6,077 |
| Return on Equity (ROE) | -2.2189% | 6,075 |
| Retained earnings to average equity (ytd only) | -3.8447% | 5,982 |
| Net charge-offs to loans | 0.0816% | 2,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -5.3679% | 4,132 |
| Efficiency ratio | 107.5640% | 172 |
| Assets per employee ($millions) | 3.4256% | 4,933 |
| Cash dividends to net income (ytd only)* | -73.2670% | 6,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7982% | 1,268 |
| Loan loss allowance to noncurrent loans | 128.6041% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.7768% | 1,210 |
| Noncurrent loans to loans | 1.3983% | 1,820 |
| Net loans and leases to total assets | 59.7293% | 3,914 |
| Net loans and leases to deposits | 67.8389% | 4,205 |
| Net loans and leases to core deposits | 70.4625% | 4,326 |
| Total domestic deposits to total assets | 88.0458% | 1,527 |
| Equity capital to assets | 11.6458% | 2,381 |
| Core capital (leverage) ratio | 11.6242% | 1,940 |
| Tier 1 risk-based capital ratio | 19.7446% | 1,613 |
| Total risk-based capital ratio | 21.0012% | 1,575 |
| Memoranda: | ||
| Average total assets | $100,767,500 | 4,493 |
| Average earning assets | $95,644,000 | 4,446 |
| Average equity | $12,137,750 | 4,329 |
| Average total loans | $62,119,250 | 4,356 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 2,633 |
| Cost of funding earning assets | 0.7531% | 635 |
| Net interest margin | 3.4227% | 3,822 |
| Noninterest income to average assets | 0.4495% | 3,712 |
| Noninterest expense to average assets | 3.3726% | 1,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3277% | 5,360 |
| Return on assets (ROA) | 0.3277% | 5,460 |
| Pretax return on assets | 0.3277% | 5,610 |
| Return on Equity (ROE) | 2.6898% | 5,507 |
| Retained earnings to average equity (ytd only) | 0.2624% | 5,423 |
| Net charge-offs to loans | 0.0936% | 2,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.6552% | 2,901 |
| Efficiency ratio | 91.1447% | 677 |
| Assets per employee ($millions) | 3.2981% | 5,173 |
| Cash dividends to net income (ytd only)* | 90.2439% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 1,375 |
| Loan loss allowance to noncurrent loans | 128.0226% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.8566% | 1,235 |
| Noncurrent loans to loans | 1.4050% | 1,918 |
| Net loans and leases to total assets | 62.5188% | 3,474 |
| Net loans and leases to deposits | 71.3809% | 3,770 |
| Net loans and leases to core deposits | 74.2361% | 3,944 |
| Total domestic deposits to total assets | 87.5848% | 1,853 |
| Equity capital to assets | 12.1383% | 1,925 |
| Core capital (leverage) ratio | 12.0283% | 1,647 |
| Tier 1 risk-based capital ratio | 20.0565% | 1,529 |
| Total risk-based capital ratio | 21.3142% | 1,500 |
| Memoranda: | ||
| Average total assets | $100,101,000 | 4,550 |
| Average earning assets | $95,072,000 | 4,489 |
| Average equity | $12,194,330 | 4,345 |
| Average total loans | $61,990,330 | 4,403 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 2,614 |
| Cost of funding earning assets | 0.7359% | 712 |
| Net interest margin | 3.4203% | 3,758 |
| Noninterest income to average assets | 0.3536% | 4,374 |
| Noninterest expense to average assets | 3.3333% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2702% | 5,506 |
| Return on assets (ROA) | 0.2702% | 5,599 |
| Pretax return on assets | 0.2702% | 5,713 |
| Return on Equity (ROE) | 2.2138% | 5,634 |
| Retained earnings to average equity (ytd only) | -1.5301% | 5,622 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5028% | 682 |
| Assets per employee ($millions) | 3.1381% | 5,495 |
| Cash dividends to net income (ytd only)* | 169.1176% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 1,285 |
| Loan loss allowance to noncurrent loans | 121.9307% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.8970% | 1,278 |
| Noncurrent loans to loans | 1.5590% | 1,797 |
| Net loans and leases to total assets | 59.7172% | 3,695 |
| Net loans and leases to deposits | 68.3170% | 3,926 |
| Net loans and leases to core deposits | 70.8959% | 4,072 |
| Total domestic deposits to total assets | 87.4119% | 2,158 |
| Equity capital to assets | 12.2565% | 1,851 |
| Core capital (leverage) ratio | 11.9101% | 1,695 |
| Tier 1 risk-based capital ratio | 20.2882% | 1,560 |
| Total risk-based capital ratio | 21.5470% | 1,529 |
| Memoranda: | ||
| Average total assets | $100,680,000 | 4,581 |
| Average earning assets | $95,664,500 | 4,517 |
| Average equity | $12,286,500 | 4,364 |
| Average total loans | $61,490,000 | 4,452 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4349% | 2,116 |
| Cost of funding earning assets | 0.7191% | 1,013 |
| Net interest margin | 3.7158% | 2,950 |
| Noninterest income to average assets | 0.6009% | 2,853 |
| Noninterest expense to average assets | 4.0912% | 693 |
| Loan and lease loss provision to assets | -0.6019% | 6,462 |
| Net operating income to assets | 0.6110% | 4,317 |
| Return on assets (ROA) | 1.4156% | 1,076 |
| Pretax return on assets | 1.4156% | 1,826 |
| Return on Equity (ROE) | 12.1867% | 1,358 |
| Retained earnings to average equity (ytd only) | 9.8893% | 537 |
| Net charge-offs to loans | 0.2937% | 1,493 |
| Credit loss provision to net charge-offs | -324.3243% | 5,715 |
| Earnings coverage of net charge-offs (x) | 0.0486% | 4,705 |
| Efficiency ratio | 99.7798% | 370 |
| Assets per employee ($millions) | 3.1544% | 5,503 |
| Cash dividends to net income (ytd only)* | 18.8519% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8787% | 1,365 |
| Loan loss allowance to noncurrent loans | 120.0413% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.9021% | 1,355 |
| Noncurrent loans to loans | 1.5651% | 1,868 |
| Net loans and leases to total assets | 60.1228% | 3,773 |
| Net loans and leases to deposits | 69.1121% | 4,019 |
| Net loans and leases to core deposits | 71.3087% | 4,186 |
| Total domestic deposits to total assets | 86.9933% | 2,294 |
| Equity capital to assets | 12.1508% | 1,906 |
| Core capital (leverage) ratio | 12.1169% | 1,554 |
| Tier 1 risk-based capital ratio | 20.2741% | 1,537 |
| Total risk-based capital ratio | 21.5337% | 1,507 |
| Memoranda: | ||
| Average total assets | $99,676,200 | 4,607 |
| Average earning assets | $93,870,000 | 4,557 |
| Average equity | $11,578,200 | 4,438 |
| Average total loans | $62,985,800 | 4,399 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 1,787 |
| Cost of funding earning assets | 0.7156% | 1,075 |
| Net interest margin | 3.8080% | 2,592 |
| Noninterest income to average assets | 0.4187% | 4,109 |
| Noninterest expense to average assets | 4.1357% | 654 |
| Loan and lease loss provision to assets | -0.4026% | 6,508 |
| Net operating income to assets | 0.2630% | 5,703 |
| Return on assets (ROA) | 1.3392% | 1,326 |
| Pretax return on assets | 1.3392% | 2,238 |
| Return on Equity (ROE) | 11.6655% | 1,570 |
| Retained earnings to average equity (ytd only) | 8.5563% | 1,140 |
| Net charge-offs to loans | 0.0991% | 2,810 |
| Credit loss provision to net charge-offs | -638.2979% | 5,798 |
| Earnings coverage of net charge-offs (x) | -2.2125% | 4,574 |
| Efficiency ratio | 103.4923% | 301 |
| Assets per employee ($millions) | 2.9891% | 5,733 |
| Cash dividends to net income (ytd only)* | 26.6535% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6054% | 566 |
| Loan loss allowance to noncurrent loans | 118.1684% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 2.3216% | 1,175 |
| Noncurrent loans to loans | 2.2049% | 1,378 |
| Net loans and leases to total assets | 60.6352% | 3,684 |
| Net loans and leases to deposits | 69.5312% | 3,971 |
| Net loans and leases to core deposits | 71.5602% | 4,199 |
| Total domestic deposits to total assets | 87.2059% | 2,194 |
| Equity capital to assets | 12.0419% | 2,023 |
| Core capital (leverage) ratio | 11.8231% | 1,817 |
| Tier 1 risk-based capital ratio | 19.9220% | 1,694 |
| Total risk-based capital ratio | 21.1900% | 1,659 |
| Memoranda: | ||
| Average total assets | $99,360,250 | 4,660 |
| Average earning assets | $93,345,000 | 4,613 |
| Average equity | $11,406,500 | 4,505 |
| Average total loans | $63,269,750 | 4,423 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 1,461 |
| Cost of funding earning assets | 0.7145% | 1,116 |
| Net interest margin | 3.9107% | 2,117 |
| Noninterest income to average assets | 0.4317% | 4,011 |
| Noninterest expense to average assets | 3.8795% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2229% | 5,773 |
| Return on assets (ROA) | 1.8333% | 477 |
| Pretax return on assets | 1.8333% | 791 |
| Return on Equity (ROE) | 16.2321% | 637 |
| Retained earnings to average equity (ytd only) | 16.2321% | 165 |
| Net charge-offs to loans | 0.0031% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 516 |
| Efficiency ratio | 94.5668% | 614 |
| Assets per employee ($millions) | 2.9770% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1227% | 331 |
| Loan loss allowance to noncurrent loans | 133.6538% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 2.8410% | 915 |
| Noncurrent loans to loans | 2.3364% | 1,375 |
| Net loans and leases to total assets | 61.4526% | 3,494 |
| Net loans and leases to deposits | 70.4948% | 3,756 |
| Net loans and leases to core deposits | 72.2980% | 4,017 |
| Total domestic deposits to total assets | 87.1732% | 2,359 |
| Equity capital to assets | 12.3331% | 1,752 |
| Core capital (leverage) ratio | 11.9407% | 1,694 |
| Tier 1 risk-based capital ratio | 19.9608% | 1,695 |
| Total risk-based capital ratio | 21.2354% | 1,661 |
| Memoranda: | ||
| Average total assets | $99,600,670 | 4,690 |
| Average earning assets | $93,487,000 | 4,648 |
| Average equity | $11,249,330 | 4,546 |
| Average total loans | $63,889,670 | 4,424 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8021% | 1,039 |
| Cost of funding earning assets | 0.7182% | 1,133 |
| Net interest margin | 4.0839% | 1,513 |
| Noninterest income to average assets | 0.3510% | 4,570 |
| Noninterest expense to average assets | 3.6218% | 1,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5624% | 4,402 |
| Return on assets (ROA) | 0.6262% | 4,146 |
| Pretax return on assets | 0.6262% | 4,736 |
| Return on Equity (ROE) | 5.8062% | 4,128 |
| Retained earnings to average equity (ytd only) | 5.8062% | 2,644 |
| Net charge-offs to loans | 0.0062% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 348 |
| Efficiency ratio | 86.5586% | 1,383 |
| Assets per employee ($millions) | 3.0985% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0416% | 410 |
| Loan loss allowance to noncurrent loans | 136.9458% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 3.3373% | 792 |
| Noncurrent loans to loans | 2.2210% | 1,630 |
| Net loans and leases to total assets | 62.5652% | 3,146 |
| Net loans and leases to deposits | 70.5782% | 3,528 |
| Net loans and leases to core deposits | 72.3302% | 3,842 |
| Total domestic deposits to total assets | 88.6466% | 1,867 |
| Equity capital to assets | 11.1315% | 2,594 |
| Core capital (leverage) ratio | 11.0354% | 2,351 |
| Tier 1 risk-based capital ratio | 18.1199% | 2,244 |
| Total risk-based capital ratio | 19.3936% | 2,205 |
| Memoranda: | ||
| Average total assets | $100,281,000 | 4,728 |
| Average earning assets | $94,125,000 | 4,681 |
| Average equity | $10,816,000 | 4,663 |
| Average total loans | $64,676,000 | 4,443 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7044% | 1,561 |
| Cost of funding earning assets | 0.8625% | 895 |
| Net interest margin | 3.8418% | 2,497 |
| Noninterest income to average assets | 0.1493% | 6,191 |
| Noninterest expense to average assets | 3.2180% | 2,362 |
| Loan and lease loss provision to assets | 0.0388% | 4,343 |
| Net operating income to assets | 0.5245% | 4,618 |
| Return on assets (ROA) | 0.5779% | 4,483 |
| Pretax return on assets | 0.5779% | 4,942 |
| Return on Equity (ROE) | 5.5195% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.5195% | 2,267 |
| Net charge-offs to loans | 0.4407% | 1,510 |
| Credit loss provision to net charge-offs | 13.5593% | 4,544 |
| Earnings coverage of net charge-offs (x) | 1.9695% | 4,390 |
| Efficiency ratio | 85.1026% | 1,507 |
| Assets per employee ($millions) | 3.0731% | 5,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9783% | 486 |
| Loan loss allowance to noncurrent loans | 112.7389% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 3.5647% | 806 |
| Noncurrent loans to loans | 2.6418% | 1,404 |
| Net loans and leases to total assets | 62.5425% | 3,292 |
| Net loans and leases to deposits | 70.1170% | 3,770 |
| Net loans and leases to core deposits | 71.8176% | 4,095 |
| Total domestic deposits to total assets | 89.1974% | 1,489 |
| Equity capital to assets | 10.4476% | 3,225 |
| Core capital (leverage) ratio | 10.6466% | 2,732 |
| Tier 1 risk-based capital ratio | 17.5269% | 2,403 |
| Total risk-based capital ratio | 18.8009% | 2,370 |
| Memoranda: | ||
| Average total assets | $103,137,400 | 4,669 |
| Average earning assets | $97,505,400 | 4,580 |
| Average equity | $10,798,000 | 4,677 |
| Average total loans | $66,936,600 | 4,380 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8156% | 1,312 |
| Cost of funding earning assets | 0.8772% | 917 |
| Net interest margin | 3.9385% | 2,151 |
| Noninterest income to average assets | 0.1184% | 6,420 |
| Noninterest expense to average assets | 3.2313% | 2,264 |
| Loan and lease loss provision to assets | 0.0515% | 3,993 |
| Net operating income to assets | 0.5639% | 4,509 |
| Return on assets (ROA) | 0.6347% | 4,319 |
| Pretax return on assets | 0.6347% | 4,902 |
| Return on Equity (ROE) | 6.0589% | 4,159 |
| Retained earnings to average equity (ytd only) | 6.0589% | 2,371 |
| Net charge-offs to loans | 0.5842% | 1,074 |
| Credit loss provision to net charge-offs | 13.5593% | 4,174 |
| Earnings coverage of net charge-offs (x) | 1.6204% | 4,299 |
| Efficiency ratio | 84.0027% | 1,599 |
| Assets per employee ($millions) | 3.1005% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0284% | 538 |
| Loan loss allowance to noncurrent loans | 158.8091% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 3.0738% | 1,200 |
| Noncurrent loans to loans | 1.9069% | 2,356 |
| Net loans and leases to total assets | 60.9338% | 3,535 |
| Net loans and leases to deposits | 68.2911% | 4,028 |
| Net loans and leases to core deposits | 69.9256% | 4,330 |
| Total domestic deposits to total assets | 89.2265% | 1,441 |
| Equity capital to assets | 10.4080% | 3,384 |
| Core capital (leverage) ratio | 10.6099% | 2,880 |
| Tier 1 risk-based capital ratio | 17.6126% | 2,476 |
| Total risk-based capital ratio | 18.8870% | 2,432 |
| Memoranda: | ||
| Average total assets | $103,569,000 | 4,700 |
| Average earning assets | $98,039,250 | 4,608 |
| Average equity | $10,848,750 | 4,717 |
| Average total loans | $67,327,750 | 4,398 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9126% | 1,067 |
| Cost of funding earning assets | 0.8888% | 948 |
| Net interest margin | 4.0238% | 1,782 |
| Noninterest income to average assets | 0.1385% | 6,360 |
| Noninterest expense to average assets | 3.2293% | 2,277 |
| Loan and lease loss provision to assets | 0.0769% | 3,517 |
| Net operating income to assets | 0.6462% | 4,075 |
| Return on assets (ROA) | 0.6982% | 3,989 |
| Pretax return on assets | 0.6982% | 4,685 |
| Return on Equity (ROE) | 6.6512% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.6512% | 2,066 |
| Net charge-offs to loans | 0.6907% | 950 |
| Credit loss provision to net charge-offs | 16.9492% | 3,793 |
| Earnings coverage of net charge-offs (x) | 1.5932% | 3,992 |
| Efficiency ratio | 81.7032% | 1,929 |
| Assets per employee ($millions) | 3.0968% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0697% | 541 |
| Loan loss allowance to noncurrent loans | 165.3751% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 3.0667% | 1,319 |
| Noncurrent loans to loans | 1.8562% | 2,551 |
| Net loans and leases to total assets | 61.9815% | 3,288 |
| Net loans and leases to deposits | 69.4106% | 3,798 |
| Net loans and leases to core deposits | 70.6713% | 4,200 |
| Total domestic deposits to total assets | 89.2969% | 1,449 |
| Equity capital to assets | 10.3939% | 3,436 |
| Core capital (leverage) ratio | 10.2155% | 3,206 |
| Tier 1 risk-based capital ratio | 17.1788% | 2,648 |
| Total risk-based capital ratio | 18.4530% | 2,612 |
| Memoranda: | ||
| Average total assets | $103,986,670 | 4,726 |
| Average earning assets | $98,563,670 | 4,635 |
| Average equity | $10,915,330 | 4,742 |
| Average total loans | $68,339,670 | 4,375 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 987 |
| Cost of funding earning assets | 0.8928% | 1,020 |
| Net interest margin | 4.0496% | 1,616 |
| Noninterest income to average assets | 0.0839% | 6,637 |
| Noninterest expense to average assets | 3.2722% | 2,153 |
| Loan and lease loss provision to assets | 0.1526% | 2,340 |
| Net operating income to assets | 0.4996% | 4,667 |
| Return on assets (ROA) | 0.4996% | 4,819 |
| Pretax return on assets | 0.4996% | 5,258 |
| Return on Equity (ROE) | 4.7369% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.7369% | 3,398 |
| Net charge-offs to loans | 0.4582% | 1,302 |
| Credit loss provision to net charge-offs | 50.0000% | 2,595 |
| Earnings coverage of net charge-offs (x) | 2.1375% | 3,120 |
| Efficiency ratio | 83.3819% | 1,847 |
| Assets per employee ($millions) | 3.1701% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1474% | 572 |
| Loan loss allowance to noncurrent loans | 113.9094% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 3.2080% | 1,360 |
| Noncurrent loans to loans | 2.7631% | 1,837 |
| Net loans and leases to total assets | 63.5957% | 2,789 |
| Net loans and leases to deposits | 71.3183% | 3,280 |
| Net loans and leases to core deposits | 72.7931% | 3,727 |
| Total domestic deposits to total assets | 89.1716% | 1,584 |
| Equity capital to assets | 10.5559% | 3,486 |
| Core capital (leverage) ratio | 10.0164% | 3,359 |
| Tier 1 risk-based capital ratio | 16.2179% | 3,146 |
| Total risk-based capital ratio | 17.4943% | 3,083 |
| Memoranda: | ||
| Average total assets | $104,882,500 | 4,748 |
| Average earning assets | $99,466,000 | 4,643 |
| Average equity | $11,062,000 | 4,756 |
| Average total loans | $69,835,500 | 4,349 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1152% | 1,273 |
| Cost of funding earning assets | 1.2559% | 443 |
| Net interest margin | 3.8594% | 2,989 |
| Noninterest income to average assets | -0.0791% | 6,906 |
| Noninterest expense to average assets | 2.9941% | 3,298 |
| Loan and lease loss provision to assets | 1.1180% | 332 |
| Net operating income to assets | -0.5208% | 6,578 |
| Return on assets (ROA) | -0.3690% | 6,541 |
| Pretax return on assets | -0.3690% | 6,514 |
| Return on Equity (ROE) | -3.5951% | 6,528 |
| Retained earnings to average equity (ytd only) | -3.5951% | 6,318 |
| Net charge-offs to loans | 1.5102% | 586 |
| Credit loss provision to net charge-offs | 106.2176% | 2,798 |
| Earnings coverage of net charge-offs (x) | 0.5674% | 5,204 |
| Efficiency ratio | 83.3713% | 1,702 |
| Assets per employee ($millions) | 3.1864% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1023% | 602 |
| Loan loss allowance to noncurrent loans | 87.6941% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 3.8478% | 1,137 |
| Noncurrent loans to loans | 3.5377% | 1,404 |
| Net loans and leases to total assets | 65.4078% | 2,632 |
| Net loans and leases to deposits | 73.3473% | 3,200 |
| Net loans and leases to core deposits | 74.6481% | 3,701 |
| Total domestic deposits to total assets | 89.1756% | 1,453 |
| Equity capital to assets | 10.5382% | 3,482 |
| Core capital (leverage) ratio | 9.7555% | 3,717 |
| Tier 1 risk-based capital ratio | 15.5307% | 3,404 |
| Total risk-based capital ratio | 16.8059% | 3,354 |
| Memoranda: | ||
| Average total assets | $110,016,200 | 4,592 |
| Average earning assets | $104,628,800 | 4,478 |
| Average equity | $11,293,000 | 4,707 |
| Average total loans | $76,677,600 | 4,132 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1847% | 1,228 |
| Cost of funding earning assets | 1.3466% | 357 |
| Net interest margin | 3.8382% | 3,171 |
| Noninterest income to average assets | 0.0456% | 6,819 |
| Noninterest expense to average assets | 2.9235% | 3,508 |
| Loan and lease loss provision to assets | 1.3545% | 254 |
| Net operating income to assets | -0.5802% | 6,733 |
| Return on assets (ROA) | -0.3800% | 6,679 |
| Pretax return on assets | -0.3800% | 6,648 |
| Return on Equity (ROE) | -3.7252% | 6,662 |
| Retained earnings to average equity (ytd only) | -3.7252% | 6,531 |
| Net charge-offs to loans | 0.8997% | 1,210 |
| Credit loss provision to net charge-offs | 214.4213% | 1,296 |
| Earnings coverage of net charge-offs (x) | 1.2258% | 4,680 |
| Efficiency ratio | 79.0600% | 2,231 |
| Assets per employee ($millions) | 3.6087% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7480% | 376 |
| Loan loss allowance to noncurrent loans | 96.5042% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 3.6569% | 1,358 |
| Noncurrent loans to loans | 3.8838% | 1,334 |
| Net loans and leases to total assets | 64.8300% | 2,869 |
| Net loans and leases to deposits | 72.5689% | 3,521 |
| Net loans and leases to core deposits | 74.0075% | 3,972 |
| Total domestic deposits to total assets | 89.3359% | 1,223 |
| Equity capital to assets | 10.3889% | 3,967 |
| Core capital (leverage) ratio | 9.4606% | 4,331 |
| Tier 1 risk-based capital ratio | 15.4888% | 3,542 |
| Total risk-based capital ratio | 16.7736% | 3,483 |
| Memoranda: | ||
| Average total assets | $111,232,500 | 4,610 |
| Average earning assets | $105,846,500 | 4,487 |
| Average equity | $11,346,000 | 4,743 |
| Average total loans | $78,102,250 | 4,135 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2030% | 1,245 |
| Cost of funding earning assets | 1.4309% | 312 |
| Net interest margin | 3.7721% | 3,489 |
| Noninterest income to average assets | -0.0374% | 7,047 |
| Noninterest expense to average assets | 2.9031% | 3,605 |
| Loan and lease loss provision to assets | 1.5950% | 218 |
| Net operating income to assets | -0.9463% | 6,895 |
| Return on assets (ROA) | -0.6487% | 6,831 |
| Pretax return on assets | -0.6487% | 6,798 |
| Return on Equity (ROE) | -6.3978% | 6,810 |
| Retained earnings to average equity (ytd only) | -6.3978% | 6,687 |
| Net charge-offs to loans | 1.4606% | 690 |
| Credit loss provision to net charge-offs | 153.5163% | 1,805 |
| Earnings coverage of net charge-offs (x) | 0.6244% | 4,753 |
| Efficiency ratio | 81.7361% | 1,919 |
| Assets per employee ($millions) | 3.7241% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1704% | 667 |
| Loan loss allowance to noncurrent loans | 84.9687% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 3.5812% | 1,476 |
| Noncurrent loans to loans | 3.7313% | 1,514 |
| Net loans and leases to total assets | 66.7568% | 2,514 |
| Net loans and leases to deposits | 74.3463% | 3,233 |
| Net loans and leases to core deposits | 75.7693% | 3,788 |
| Total domestic deposits to total assets | 89.7916% | 1,047 |
| Equity capital to assets | 9.9828% | 4,363 |
| Core capital (leverage) ratio | 9.2718% | 4,492 |
| Tier 1 risk-based capital ratio | 14.5315% | 4,079 |
| Total risk-based capital ratio | 15.8084% | 4,027 |
| Memoranda: | ||
| Average total assets | $112,223,330 | 4,613 |
| Average earning assets | $106,785,000 | 4,489 |
| Average equity | $11,379,000 | 4,738 |
| Average total loans | $79,830,330 | 4,110 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2339% | 1,243 |
| Cost of funding earning assets | 1.6326% | 163 |
| Net interest margin | 3.6013% | 4,268 |
| Noninterest income to average assets | -0.0427% | 7,131 |
| Noninterest expense to average assets | 2.9411% | 3,470 |
| Loan and lease loss provision to assets | 1.8315% | 170 |
| Net operating income to assets | -1.3870% | 7,071 |
| Return on assets (ROA) | -0.7931% | 6,966 |
| Pretax return on assets | -0.7931% | 6,930 |
| Return on Equity (ROE) | -7.7619% | 6,942 |
| Retained earnings to average equity (ytd only) | -7.7619% | 6,750 |
| Net charge-offs to loans | 2.3783% | 356 |
| Credit loss provision to net charge-offs | 106.6253% | 2,179 |
| Earnings coverage of net charge-offs (x) | 0.2588% | 4,233 |
| Efficiency ratio | 86.8697% | 1,389 |
| Assets per employee ($millions) | 3.6038% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6759% | 1,148 |
| Loan loss allowance to noncurrent loans | 70.9318% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 4.0987% | 1,342 |
| Noncurrent loans to loans | 3.7725% | 1,642 |
| Net loans and leases to total assets | 70.3859% | 1,690 |
| Net loans and leases to deposits | 78.4612% | 2,425 |
| Net loans and leases to core deposits | 79.6978% | 3,100 |
| Total domestic deposits to total assets | 89.7079% | 1,239 |
| Equity capital to assets | 10.0960% | 4,009 |
| Core capital (leverage) ratio | 9.3677% | 4,244 |
| Tier 1 risk-based capital ratio | 13.9314% | 4,513 |
| Total risk-based capital ratio | 15.2013% | 4,471 |
| Memoranda: | ||
| Average total assets | $112,474,000 | 4,642 |
| Average earning assets | $107,071,500 | 4,510 |
| Average equity | $11,492,000 | 4,730 |
| Average total loans | $81,233,500 | 4,088 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5682% | 1,018 |
| Cost of funding earning assets | 1.6890% | 337 |
| Net interest margin | 3.8791% | 3,430 |
| Noninterest income to average assets | 0.1697% | 6,274 |
| Noninterest expense to average assets | 2.6879% | 4,789 |
| Loan and lease loss provision to assets | 1.8309% | 353 |
| Net operating income to assets | -0.6432% | 6,571 |
| Return on assets (ROA) | -0.5584% | 6,570 |
| Pretax return on assets | -0.5584% | 6,527 |
| Return on Equity (ROE) | -5.4307% | 6,554 |
| Retained earnings to average equity (ytd only) | -5.4307% | 6,480 |
| Net charge-offs to loans | 2.0558% | 660 |
| Credit loss provision to net charge-offs | 120.2388% | 2,649 |
| Earnings coverage of net charge-offs (x) | 0.7800% | 5,210 |
| Efficiency ratio | 69.3545% | 4,080 |
| Assets per employee ($millions) | 3.4312% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6080% | 1,182 |
| Loan loss allowance to noncurrent loans | 56.0821% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 4.1243% | 1,384 |
| Noncurrent loans to loans | 4.6503% | 1,272 |
| Net loans and leases to total assets | 70.2475% | 1,987 |
| Net loans and leases to deposits | 81.8401% | 2,220 |
| Net loans and leases to core deposits | 82.8847% | 3,043 |
| Total domestic deposits to total assets | 85.8352% | 3,414 |
| Equity capital to assets | 10.3373% | 3,732 |
| Core capital (leverage) ratio | 9.3586% | 4,239 |
| Tier 1 risk-based capital ratio | 14.1281% | 4,235 |
| Total risk-based capital ratio | 15.3972% | 4,173 |
| Memoranda: | ||
| Average total assets | $115,516,800 | 4,510 |
| Average earning assets | $110,359,400 | 4,383 |
| Average equity | $11,877,000 | 4,576 |
| Average total loans | $85,564,200 | 3,979 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5645% | 1,107 |
| Cost of funding earning assets | 1.7362% | 341 |
| Net interest margin | 3.8283% | 3,731 |
| Noninterest income to average assets | 0.1838% | 6,282 |
| Noninterest expense to average assets | 2.6715% | 4,837 |
| Loan and lease loss provision to assets | 1.0739% | 773 |
| Net operating income to assets | 0.0953% | 5,970 |
| Return on assets (ROA) | 0.0953% | 6,090 |
| Pretax return on assets | 0.0953% | 6,106 |
| Return on Equity (ROE) | 0.9284% | 6,080 |
| Retained earnings to average equity (ytd only) | 0.9284% | 5,633 |
| Net charge-offs to loans | 0.8412% | 1,893 |
| Credit loss provision to net charge-offs | 171.2454% | 1,759 |
| Earnings coverage of net charge-offs (x) | 1.8645% | 4,268 |
| Efficiency ratio | 69.5574% | 4,029 |
| Assets per employee ($millions) | 3.6242% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5482% | 1,330 |
| Loan loss allowance to noncurrent loans | 43.3641% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 4.9726% | 1,161 |
| Noncurrent loans to loans | 5.8763% | 961 |
| Net loans and leases to total assets | 71.3257% | 1,845 |
| Net loans and leases to deposits | 84.8976% | 1,858 |
| Net loans and leases to core deposits | 86.4395% | 2,715 |
| Total domestic deposits to total assets | 84.0138% | 4,225 |
| Equity capital to assets | 10.5756% | 3,608 |
| Core capital (leverage) ratio | 9.8578% | 3,640 |
| Tier 1 risk-based capital ratio | 14.4294% | 4,030 |
| Total risk-based capital ratio | 15.6973% | 3,985 |
| Memoranda: | ||
| Average total assets | $116,088,250 | 4,529 |
| Average earning assets | $110,889,750 | 4,395 |
| Average equity | $11,920,000 | 4,585 |
| Average total loans | $86,537,250 | 3,990 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6367% | 999 |
| Cost of funding earning assets | 1.7599% | 363 |
| Net interest margin | 3.8768% | 3,406 |
| Noninterest income to average assets | 0.2446% | 5,898 |
| Noninterest expense to average assets | 2.6988% | 4,828 |
| Loan and lease loss provision to assets | 0.8439% | 1,070 |
| Net operating income to assets | 0.4047% | 4,923 |
| Return on assets (ROA) | 0.4047% | 5,083 |
| Pretax return on assets | 0.4047% | 5,380 |
| Return on Equity (ROE) | 3.9814% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.9814% | 3,667 |
| Net charge-offs to loans | 1.2103% | 1,296 |
| Credit loss provision to net charge-offs | 92.9791% | 3,381 |
| Earnings coverage of net charge-offs (x) | 1.3757% | 4,249 |
| Efficiency ratio | 68.3682% | 4,448 |
| Assets per employee ($millions) | 3.6111% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0489% | 2,237 |
| Loan loss allowance to noncurrent loans | 43.0057% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 4.6661% | 1,339 |
| Noncurrent loans to loans | 4.7643% | 1,382 |
| Net loans and leases to total assets | 71.8613% | 1,813 |
| Net loans and leases to deposits | 85.5104% | 1,859 |
| Net loans and leases to core deposits | 86.8183% | 2,780 |
| Total domestic deposits to total assets | 84.0380% | 4,332 |
| Equity capital to assets | 10.5057% | 3,496 |
| Core capital (leverage) ratio | 10.0549% | 3,197 |
| Tier 1 risk-based capital ratio | 14.4334% | 3,837 |
| Total risk-based capital ratio | 15.6950% | 3,796 |
| Memoranda: | ||
| Average total assets | $116,126,000 | 4,558 |
| Average earning assets | $110,916,670 | 4,414 |
| Average equity | $11,805,000 | 4,610 |
| Average total loans | $87,088,670 | 4,015 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6143% | 1,028 |
| Cost of funding earning assets | 1.7960% | 384 |
| Net interest margin | 3.8183% | 3,520 |
| Noninterest income to average assets | 0.2646% | 5,779 |
| Noninterest expense to average assets | 2.7386% | 4,680 |
| Loan and lease loss provision to assets | 0.7216% | 1,175 |
| Net operating income to assets | 0.4570% | 4,681 |
| Return on assets (ROA) | 0.4570% | 4,769 |
| Pretax return on assets | 0.4570% | 5,162 |
| Return on Equity (ROE) | 4.5714% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.5714% | 3,438 |
| Net charge-offs to loans | 0.1451% | 3,620 |
| Credit loss provision to net charge-offs | 656.2500% | 574 |
| Earnings coverage of net charge-offs (x) | 10.7188% | 1,611 |
| Efficiency ratio | 69.9123% | 4,295 |
| Assets per employee ($millions) | 3.6682% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2189% | 1,916 |
| Loan loss allowance to noncurrent loans | 42.8164% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 4.4632% | 1,455 |
| Noncurrent loans to loans | 5.1823% | 1,292 |
| Net loans and leases to total assets | 73.2821% | 1,464 |
| Net loans and leases to deposits | 86.5985% | 1,638 |
| Net loans and leases to core deposits | 88.1163% | 2,583 |
| Total domestic deposits to total assets | 84.6229% | 4,216 |
| Equity capital to assets | 10.0296% | 3,741 |
| Core capital (leverage) ratio | 9.8390% | 3,347 |
| Tier 1 risk-based capital ratio | 13.3713% | 4,526 |
| Total risk-based capital ratio | 14.6343% | 4,497 |
| Memoranda: | ||
| Average total assets | $116,411,000 | 4,578 |
| Average earning assets | $111,359,000 | 4,424 |
| Average equity | $11,637,500 | 4,636 |
| Average total loans | $88,244,500 | 4,011 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9881% | 867 |
| Cost of funding earning assets | 2.3630% | 175 |
| Net interest margin | 3.6251% | 4,704 |
| Noninterest income to average assets | 0.2288% | 6,168 |
| Noninterest expense to average assets | 2.5972% | 5,428 |
| Loan and lease loss provision to assets | 0.9788% | 1,654 |
| Net operating income to assets | 0.0408% | 5,727 |
| Return on assets (ROA) | 0.0408% | 5,866 |
| Pretax return on assets | 0.0408% | 5,812 |
| Return on Equity (ROE) | 0.4074% | 5,851 |
| Retained earnings to average equity (ytd only) | -0.0594% | 5,604 |
| Net charge-offs to loans | 0.6217% | 3,172 |
| Credit loss provision to net charge-offs | 202.2847% | 1,538 |
| Earnings coverage of net charge-offs (x) | 2.1072% | 4,141 |
| Efficiency ratio | 71.8081% | 3,833 |
| Assets per employee ($millions) | 3.6075% | 4,683 |
| Cash dividends to net income (ytd only)* | 114.5833% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0041% | 2,293 |
| Loan loss allowance to noncurrent loans | 48.6027% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 3.7509% | 1,831 |
| Noncurrent loans to loans | 4.1235% | 1,752 |
| Net loans and leases to total assets | 75.1412% | 1,446 |
| Net loans and leases to deposits | 88.9015% | 1,663 |
| Net loans and leases to core deposits | 90.5053% | 2,691 |
| Total domestic deposits to total assets | 84.5218% | 4,099 |
| Equity capital to assets | 9.9636% | 3,791 |
| Core capital (leverage) ratio | 9.6683% | 3,466 |
| Tier 1 risk-based capital ratio | 13.2347% | 4,429 |
| Total risk-based capital ratio | 14.4947% | 4,367 |
| Memoranda: | ||
| Average total assets | $117,588,000 | 4,533 |
| Average earning assets | $109,901,000 | 4,467 |
| Average equity | $11,782,800 | 4,676 |
| Average total loans | $91,528,200 | 4,021 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9899% | 954 |
| Cost of funding earning assets | 2.4805% | 151 |
| Net interest margin | 3.5094% | 5,258 |
| Noninterest income to average assets | 0.2325% | 6,224 |
| Noninterest expense to average assets | 2.5802% | 5,404 |
| Loan and lease loss provision to assets | 0.7235% | 2,113 |
| Net operating income to assets | 0.1896% | 5,538 |
| Return on assets (ROA) | 0.1896% | 5,700 |
| Pretax return on assets | 0.1896% | 5,754 |
| Return on Equity (ROE) | 1.8897% | 5,648 |
| Retained earnings to average equity (ytd only) | 1.2711% | 5,301 |
| Net charge-offs to loans | 0.1690% | 4,951 |
| Credit loss provision to net charge-offs | 547.8632% | 524 |
| Earnings coverage of net charge-offs (x) | 6.9144% | 2,425 |
| Efficiency ratio | 73.8611% | 3,348 |
| Assets per employee ($millions) | 3.6413% | 4,643 |
| Cash dividends to net income (ytd only)* | 32.7381% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8682% | 2,579 |
| Loan loss allowance to noncurrent loans | 41.7620% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 4.1100% | 1,679 |
| Noncurrent loans to loans | 4.4735% | 1,618 |
| Net loans and leases to total assets | 77.3575% | 1,152 |
| Net loans and leases to deposits | 91.9822% | 1,449 |
| Net loans and leases to core deposits | 93.8673% | 2,540 |
| Total domestic deposits to total assets | 84.1006% | 4,060 |
| Equity capital to assets | 10.4617% | 3,558 |
| Core capital (leverage) ratio | 9.5224% | 3,873 |
| Tier 1 risk-based capital ratio | 12.9697% | 4,601 |
| Total risk-based capital ratio | 14.2288% | 4,571 |
| Memoranda: | ||
| Average total assets | $118,125,000 | 4,580 |
| Average earning assets | $109,759,000 | 4,532 |
| Average equity | $11,853,000 | 4,720 |
| Average total loans | $92,281,000 | 4,069 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0587% | 830 |
| Cost of funding earning assets | 2.5333% | 157 |
| Net interest margin | 3.5254% | 5,138 |
| Noninterest income to average assets | 0.2461% | 6,153 |
| Noninterest expense to average assets | 2.6024% | 5,315 |
| Loan and lease loss provision to assets | 0.6675% | 2,167 |
| Net operating income to assets | 0.2225% | 5,486 |
| Return on assets (ROA) | 0.2225% | 5,619 |
| Pretax return on assets | 0.2225% | 5,720 |
| Return on Equity (ROE) | 2.2486% | 5,559 |
| Retained earnings to average equity (ytd only) | 1.3117% | 5,226 |
| Net charge-offs to loans | 0.2597% | 4,049 |
| Credit loss provision to net charge-offs | 330.0000% | 1,111 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 2,959 |
| Efficiency ratio | 74.5174% | 3,367 |
| Assets per employee ($millions) | 3.7948% | 4,232 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 3,428 |
| Loan loss allowance to noncurrent loans | 45.9037% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 3.1935% | 2,223 |
| Noncurrent loans to loans | 3.4946% | 2,266 |
| Net loans and leases to total assets | 74.1520% | 1,876 |
| Net loans and leases to deposits | 87.2166% | 2,303 |
| Net loans and leases to core deposits | 88.6846% | 3,457 |
| Total domestic deposits to total assets | 85.0205% | 3,614 |
| Equity capital to assets | 9.7642% | 4,322 |
| Core capital (leverage) ratio | 9.5191% | 3,792 |
| Tier 1 risk-based capital ratio | 12.8843% | 4,537 |
| Total risk-based capital ratio | 14.1389% | 4,486 |
| Memoranda: | ||
| Average total assets | $118,660,000 | 4,604 |
| Average earning assets | $109,264,000 | 4,578 |
| Average equity | $11,740,670 | 4,751 |
| Average total loans | $92,423,670 | 4,097 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0294% | 922 |
| Cost of funding earning assets | 2.5412% | 201 |
| Net interest margin | 3.4882% | 5,209 |
| Noninterest income to average assets | 0.3445% | 5,387 |
| Noninterest expense to average assets | 2.7560% | 4,673 |
| Loan and lease loss provision to assets | 0.4434% | 2,747 |
| Net operating income to assets | 0.3991% | 4,844 |
| Return on assets (ROA) | 0.3991% | 4,986 |
| Pretax return on assets | 0.3991% | 5,290 |
| Return on Equity (ROE) | 4.0060% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.0060% | 3,748 |
| Net charge-offs to loans | 0.2455% | 3,475 |
| Credit loss provision to net charge-offs | 228.0702% | 1,669 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 2,657 |
| Efficiency ratio | 76.5877% | 3,122 |
| Assets per employee ($millions) | 3.7020% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 4,578 |
| Loan loss allowance to noncurrent loans | 39.7799% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 2.9123% | 2,461 |
| Noncurrent loans to loans | 3.4442% | 2,312 |
| Net loans and leases to total assets | 76.8700% | 1,355 |
| Net loans and leases to deposits | 90.7419% | 1,794 |
| Net loans and leases to core deposits | 91.8419% | 3,129 |
| Total domestic deposits to total assets | 84.7128% | 3,803 |
| Equity capital to assets | 9.8924% | 4,004 |
| Core capital (leverage) ratio | 9.7830% | 3,416 |
| Tier 1 risk-based capital ratio | 12.9477% | 4,377 |
| Total risk-based capital ratio | 14.2065% | 4,342 |
| Memoranda: | ||
| Average total assets | $117,273,500 | 4,687 |
| Average earning assets | $109,398,000 | 4,626 |
| Average equity | $11,682,500 | 4,796 |
| Average total loans | $92,879,000 | 4,141 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3201% | 985 |
| Cost of funding earning assets | 3.0977% | 173 |
| Net interest margin | 3.2224% | 6,020 |
| Noninterest income to average assets | 0.1122% | 7,195 |
| Noninterest expense to average assets | 2.6057% | 5,783 |
| Loan and lease loss provision to assets | 0.7274% | 2,931 |
| Net operating income to assets | -0.1925% | 5,835 |
| Return on assets (ROA) | -0.1465% | 5,757 |
| Pretax return on assets | -0.1465% | 5,636 |
| Return on Equity (ROE) | -1.4671% | 5,769 |
| Retained earnings to average equity (ytd only) | -2.6910% | 5,644 |
| Net charge-offs to loans | 0.2217% | 5,237 |
| Credit loss provision to net charge-offs | 421.8447% | 745 |
| Earnings coverage of net charge-offs (x) | 3.1019% | 3,513 |
| Efficiency ratio | 82.9691% | 2,480 |
| Assets per employee ($millions) | 3.6276% | 4,706 |
| Cash dividends to net income (ytd only)* | -83.4286% | 7,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 4,903 |
| Loan loss allowance to noncurrent loans | 100.0840% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.5489% | 4,056 |
| Noncurrent loans to loans | 1.2748% | 4,798 |
| Net loans and leases to total assets | 79.4585% | 1,099 |
| Net loans and leases to deposits | 94.0867% | 1,582 |
| Net loans and leases to core deposits | 118.6832% | 2,062 |
| Total domestic deposits to total assets | 84.4524% | 3,820 |
| Equity capital to assets | 10.0326% | 3,714 |
| Core capital (leverage) ratio | 9.6251% | 3,556 |
| Tier 1 risk-based capital ratio | 12.9639% | 4,167 |
| Total risk-based capital ratio | 14.2155% | 4,117 |
| Memoranda: | ||
| Average total assets | $119,466,800 | 4,583 |
| Average earning assets | $112,277,200 | 4,503 |
| Average equity | $11,928,600 | 4,765 |
| Average total loans | $92,929,200 | 4,134 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2322% | 1,292 |
| Cost of funding earning assets | 3.1190% | 232 |
| Net interest margin | 3.1131% | 6,274 |
| Noninterest income to average assets | 0.1130% | 7,330 |
| Noninterest expense to average assets | 2.5799% | 5,782 |
| Loan and lease loss provision to assets | 0.3059% | 4,523 |
| Net operating income to assets | 0.1507% | 5,320 |
| Return on assets (ROA) | 0.2117% | 5,194 |
| Pretax return on assets | 0.2117% | 5,269 |
| Return on Equity (ROE) | 2.1223% | 5,125 |
| Retained earnings to average equity (ytd only) | 0.5000% | 4,998 |
| Net charge-offs to loans | 0.1825% | 4,930 |
| Credit loss provision to net charge-offs | 217.3228% | 2,020 |
| Earnings coverage of net charge-offs (x) | 3.2441% | 3,618 |
| Efficiency ratio | 84.9635% | 2,189 |
| Assets per employee ($millions) | 3.6465% | 4,555 |
| Cash dividends to net income (ytd only)* | 76.4392% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7347% | 7,299 |
| Loan loss allowance to noncurrent loans | 31.7119% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 2.0011% | 3,345 |
| Noncurrent loans to loans | 2.3167% | 3,245 |
| Net loans and leases to total assets | 76.1287% | 1,976 |
| Net loans and leases to deposits | 94.9502% | 1,719 |
| Net loans and leases to core deposits | 119.5693% | 2,282 |
| Total domestic deposits to total assets | 80.1775% | 5,375 |
| Equity capital to assets | 10.3031% | 3,733 |
| Core capital (leverage) ratio | 9.7131% | 3,626 |
| Tier 1 risk-based capital ratio | 13.5188% | 3,838 |
| Total risk-based capital ratio | 14.2995% | 4,092 |
| Memoranda: | ||
| Average total assets | $120,313,000 | 4,586 |
| Average earning assets | $112,980,500 | 4,517 |
| Average equity | $11,999,250 | 4,790 |
| Average total loans | $92,804,250 | 4,179 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3138% | 1,174 |
| Cost of funding earning assets | 3.1446% | 309 |
| Net interest margin | 3.1692% | 6,023 |
| Noninterest income to average assets | 0.1081% | 7,440 |
| Noninterest expense to average assets | 2.6100% | 5,704 |
| Loan and lease loss provision to assets | 0.3591% | 3,773 |
| Net operating income to assets | 0.1297% | 5,474 |
| Return on assets (ROA) | 0.2194% | 5,274 |
| Pretax return on assets | 0.2194% | 5,415 |
| Return on Equity (ROE) | 2.2248% | 5,211 |
| Retained earnings to average equity (ytd only) | 0.5730% | 4,969 |
| Net charge-offs to loans | 0.2710% | 3,835 |
| Credit loss provision to net charge-offs | 171.4286% | 2,681 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,898 |
| Efficiency ratio | 84.2275% | 2,455 |
| Assets per employee ($millions) | 3.6198% | 4,523 |
| Cash dividends to net income (ytd only)* | 74.2424% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6685% | 7,489 |
| Loan loss allowance to noncurrent loans | 30.6436% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 2.5089% | 2,567 |
| Noncurrent loans to loans | 2.1817% | 3,279 |
| Net loans and leases to total assets | 76.9928% | 1,950 |
| Net loans and leases to deposits | 95.7144% | 1,842 |
| Net loans and leases to core deposits | 118.8732% | 2,467 |
| Total domestic deposits to total assets | 80.4402% | 5,304 |
| Equity capital to assets | 9.9310% | 4,046 |
| Core capital (leverage) ratio | 9.7746% | 3,550 |
| Tier 1 risk-based capital ratio | 13.3848% | 3,874 |
| Total risk-based capital ratio | 14.0912% | 4,173 |
| Memoranda: | ||
| Average total assets | $120,306,330 | 4,624 |
| Average earning assets | $113,528,670 | 4,526 |
| Average equity | $11,866,330 | 4,851 |
| Average total loans | $92,977,000 | 4,202 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4569% | 944 |
| Cost of funding earning assets | 3.1968% | 349 |
| Net interest margin | 3.2601% | 5,659 |
| Noninterest income to average assets | 0.0961% | 7,569 |
| Noninterest expense to average assets | 2.5942% | 5,474 |
| Loan and lease loss provision to assets | 0.5168% | 2,400 |
| Net operating income to assets | 0.0596% | 6,098 |
| Return on assets (ROA) | 0.0596% | 6,255 |
| Pretax return on assets | 0.0596% | 6,257 |
| Return on Equity (ROE) | 0.6067% | 6,249 |
| Retained earnings to average equity (ytd only) | -1.2471% | 5,944 |
| Net charge-offs to loans | 0.4036% | 2,492 |
| Credit loss provision to net charge-offs | 165.9574% | 2,580 |
| Earnings coverage of net charge-offs (x) | 1.8511% | 3,806 |
| Efficiency ratio | 81.8182% | 2,556 |
| Assets per employee ($millions) | 3.6568% | 4,435 |
| Cash dividends to net income (ytd only)* | 305.5556% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6453% | 7,576 |
| Loan loss allowance to noncurrent loans | 48.1270% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 1.7775% | 3,254 |
| Noncurrent loans to loans | 1.3407% | 4,306 |
| Net loans and leases to total assets | 75.4106% | 2,407 |
| Net loans and leases to deposits | 93.5493% | 2,353 |
| Net loans and leases to core deposits | 116.4410% | 2,754 |
| Total domestic deposits to total assets | 80.6106% | 5,129 |
| Equity capital to assets | 9.8464% | 4,186 |
| Core capital (leverage) ratio | 9.5897% | 3,877 |
| Tier 1 risk-based capital ratio | 13.3530% | 3,957 |
| Total risk-based capital ratio | 14.0301% | 4,247 |
| Memoranda: | ||
| Average total assets | $120,732,500 | 4,633 |
| Average earning assets | $113,863,000 | 4,536 |
| Average equity | $11,868,000 | 4,874 |
| Average total loans | $93,170,500 | 4,230 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4864% | 3,024 |
| Cost of funding earning assets | 3.4895% | 535 |
| Net interest margin | 2.9969% | 6,927 |
| Noninterest income to average assets | 0.0717% | 7,786 |
| Noninterest expense to average assets | 2.6148% | 5,590 |
| Loan and lease loss provision to assets | 0.3883% | 3,361 |
| Net operating income to assets | -0.0725% | 6,470 |
| Return on assets (ROA) | -0.0725% | 6,319 |
| Pretax return on assets | -0.0725% | 6,237 |
| Return on Equity (ROE) | -0.7466% | 6,329 |
| Retained earnings to average equity (ytd only) | -1.6373% | 5,776 |
| Net charge-offs to loans | 0.4088% | 2,777 |
| Credit loss provision to net charge-offs | 122.3377% | 4,393 |
| Earnings coverage of net charge-offs (x) | 0.9948% | 5,630 |
| Efficiency ratio | 89.2264% | 1,576 |
| Assets per employee ($millions) | 3.6603% | 4,264 |
| Cash dividends to net income (ytd only)* | -119.3182% | 8,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 7,750 |
| Loan loss allowance to noncurrent loans | 28.1233% | 6,828 |
| Noncurrent assets plus other real estate owned to assets | 1.8470% | 2,678 |
| Noncurrent loans to loans | 1.9852% | 2,785 |
| Net loans and leases to total assets | 78.0025% | 2,134 |
| Net loans and leases to deposits | 96.6617% | 2,345 |
| Net loans and leases to core deposits | 118.8866% | 2,799 |
| Total domestic deposits to total assets | 80.6964% | 4,774 |
| Equity capital to assets | 9.8136% | 4,274 |
| Core capital (leverage) ratio | 9.8449% | 3,592 |
| Tier 1 risk-based capital ratio | 13.0202% | 4,099 |
| Total risk-based capital ratio | 13.6092% | 4,435 |
| Memoranda: | ||
| Average total assets | $121,309,800 | 4,488 |
| Average earning assets | $115,719,600 | 4,369 |
| Average equity | $11,787,400 | 4,895 |
| Average total loans | $94,182,800 | 4,101 |