Home > First Community Bank, Missouri > Performance and Condition Ratios
First Community Bank, Missouri, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4422% | 5,062 |
| Cost of funding earning assets | 0.5546% | 1,723 |
| Net interest margin | 2.8876% | 5,355 |
| Noninterest income to average assets | 1.0963% | 978 |
| Noninterest expense to average assets | 2.9236% | 2,785 |
| Loan and lease loss provision to assets | 0.1529% | 1,535 |
| Net operating income to assets | 0.4582% | 4,850 |
| Return on assets (ROA) | 0.4584% | 4,931 |
| Pretax return on assets | 0.6519% | 4,672 |
| Return on Equity (ROE) | 4.5778% | 4,703 |
| Retained earnings to average equity (ytd only) | -11.7224% | 6,059 |
| Net charge-offs to loans | 0.1605% | 1,767 |
| Credit loss provision to net charge-offs | 157.7778% | 1,696 |
| Earnings coverage of net charge-offs (x) | 8.3000% | 2,971 |
| Efficiency ratio | 75.5031% | 2,351 |
| Assets per employee ($millions) | 3.7477% | 4,375 |
| Cash dividends to net income (ytd only)* | 356.0689% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2872% | 6,062 |
| Loan loss allowance to noncurrent loans | 84.9906% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 2,960 |
| Noncurrent loans to loans | 0.3379% | 4,254 |
| Net loans and leases to total assets | 56.7192% | 4,230 |
| Net loans and leases to deposits | 63.5193% | 4,502 |
| Net loans and leases to core deposits | 67.5019% | 4,480 |
| Total domestic deposits to total assets | 89.2945% | 972 |
| Equity capital to assets | 10.3244% | 3,597 |
| Core capital (leverage) ratio | 8.7624% | 5,153 |
| Tier 1 risk-based capital ratio | 13.6850% | 3,899 |
| Total risk-based capital ratio | 13.9458% | 4,417 |
| Memoranda: | ||
| Average total assets | $278,561,000 | 2,286 |
| Average earning assets | $253,875,200 | 2,317 |
| Average equity | $27,895,400 | 2,468 |
| Average total loans | $168,194,800 | 2,372 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5417% | 4,886 |
| Cost of funding earning assets | 0.5350% | 1,929 |
| Net interest margin | 3.0067% | 5,173 |
| Noninterest income to average assets | 1.1456% | 911 |
| Noninterest expense to average assets | 2.9203% | 2,784 |
| Loan and lease loss provision to assets | 0.0808% | 2,555 |
| Net operating income to assets | 0.6026% | 4,373 |
| Return on assets (ROA) | 0.6029% | 4,477 |
| Pretax return on assets | 0.8883% | 4,021 |
| Return on Equity (ROE) | 6.0672% | 4,122 |
| Retained earnings to average equity (ytd only) | -15.8104% | 6,180 |
| Net charge-offs to loans | 0.2014% | 1,280 |
| Credit loss provision to net charge-offs | 65.5039% | 2,833 |
| Earnings coverage of net charge-offs (x) | 7.8528% | 2,874 |
| Efficiency ratio | 72.5350% | 2,784 |
| Assets per employee ($millions) | 3.5293% | 4,744 |
| Cash dividends to net income (ytd only)* | 360.5874% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1343% | 6,195 |
| Loan loss allowance to noncurrent loans | 67.1233% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 3,500 |
| Noncurrent loans to loans | 0.2001% | 4,845 |
| Net loans and leases to total assets | 53.6131% | 4,606 |
| Net loans and leases to deposits | 60.2299% | 4,839 |
| Net loans and leases to core deposits | 63.8825% | 4,822 |
| Total domestic deposits to total assets | 89.0141% | 1,022 |
| Equity capital to assets | 10.5439% | 3,559 |
| Core capital (leverage) ratio | 8.9399% | 5,067 |
| Tier 1 risk-based capital ratio | 14.7479% | 3,414 |
| Total risk-based capital ratio | 14.8696% | 4,001 |
| Memoranda: | ||
| Average total assets | $278,868,000 | 2,296 |
| Average earning assets | $254,448,750 | 2,321 |
| Average equity | $27,711,000 | 2,493 |
| Average total loans | $170,805,000 | 2,356 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 4,601 |
| Cost of funding earning assets | 0.5111% | 2,155 |
| Net interest margin | 3.1313% | 4,879 |
| Noninterest income to average assets | 1.1912% | 854 |
| Noninterest expense to average assets | 2.9569% | 2,686 |
| Loan and lease loss provision to assets | 0.0804% | 2,503 |
| Net operating income to assets | 0.6758% | 3,998 |
| Return on assets (ROA) | 0.6763% | 4,108 |
| Pretax return on assets | 1.0304% | 3,457 |
| Return on Equity (ROE) | 6.9424% | 3,645 |
| Retained earnings to average equity (ytd only) | 2.4237% | 4,508 |
| Net charge-offs to loans | 0.2702% | 976 |
| Credit loss provision to net charge-offs | 46.6942% | 2,738 |
| Earnings coverage of net charge-offs (x) | 6.4504% | 2,781 |
| Efficiency ratio | 70.7117% | 3,215 |
| Assets per employee ($millions) | 3.3599% | 5,058 |
| Cash dividends to net income (ytd only)* | 65.0894% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0916% | 6,272 |
| Loan loss allowance to noncurrent loans | 66.3594% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 0.6068% | 3,598 |
| Noncurrent loans to loans | 0.1380% | 5,193 |
| Net loans and leases to total assets | 58.4352% | 4,048 |
| Net loans and leases to deposits | 65.8964% | 4,343 |
| Net loans and leases to core deposits | 69.7376% | 4,347 |
| Total domestic deposits to total assets | 88.6774% | 1,311 |
| Equity capital to assets | 10.9085% | 2,982 |
| Core capital (leverage) ratio | 8.4168% | 5,611 |
| Tier 1 risk-based capital ratio | 14.2737% | 3,778 |
| Total risk-based capital ratio | 14.3579% | 4,370 |
| Memoranda: | ||
| Average total assets | $281,238,000 | 2,293 |
| Average earning assets | $258,291,670 | 2,308 |
| Average equity | $27,396,670 | 2,527 |
| Average total loans | $179,108,670 | 2,265 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6115% | 4,654 |
| Cost of funding earning assets | 0.4787% | 2,463 |
| Net interest margin | 3.1328% | 4,841 |
| Noninterest income to average assets | 0.8725% | 1,490 |
| Noninterest expense to average assets | 2.9026% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5723% | 4,397 |
| Return on assets (ROA) | 0.5733% | 4,497 |
| Pretax return on assets | 0.8488% | 4,067 |
| Return on Equity (ROE) | 6.2343% | 3,914 |
| Retained earnings to average equity (ytd only) | -3.1323% | 5,803 |
| Net charge-offs to loans | 0.2189% | 1,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.8558% | 2,350 |
| Efficiency ratio | 76.6605% | 2,402 |
| Assets per employee ($millions) | 4.0141% | 3,930 |
| Cash dividends to net income (ytd only)* | 150.2427% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0180% | 6,359 |
| Loan loss allowance to noncurrent loans | 7.4844% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 3,419 |
| Noncurrent loans to loans | 0.2407% | 4,919 |
| Net loans and leases to total assets | 66.3759% | 2,714 |
| Net loans and leases to deposits | 73.8760% | 3,329 |
| Net loans and leases to core deposits | 77.6438% | 3,416 |
| Total domestic deposits to total assets | 89.8477% | 816 |
| Equity capital to assets | 9.5604% | 4,682 |
| Core capital (leverage) ratio | 8.9735% | 4,980 |
| Tier 1 risk-based capital ratio | 11.6401% | 5,473 |
| Total risk-based capital ratio | 11.6562% | 5,998 |
| Memoranda: | ||
| Average total assets | $287,462,000 | 2,267 |
| Average earning assets | $264,047,500 | 2,285 |
| Average equity | $26,434,500 | 2,630 |
| Average total loans | $190,057,000 | 2,183 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 4,327 |
| Cost of funding earning assets | 0.4503% | 3,168 |
| Net interest margin | 3.3982% | 4,208 |
| Noninterest income to average assets | 0.9786% | 1,262 |
| Noninterest expense to average assets | 3.1829% | 2,256 |
| Loan and lease loss provision to assets | 0.1766% | 1,462 |
| Net operating income to assets | 0.6938% | 3,926 |
| Return on assets (ROA) | 0.3786% | 5,366 |
| Pretax return on assets | 0.4114% | 5,455 |
| Return on Equity (ROE) | 4.5345% | 4,871 |
| Retained earnings to average equity (ytd only) | 2.1365% | 4,712 |
| Net charge-offs to loans | 0.1122% | 2,909 |
| Credit loss provision to net charge-offs | 270.9497% | 943 |
| Earnings coverage of net charge-offs (x) | 14.2793% | 2,177 |
| Efficiency ratio | 76.6705% | 2,416 |
| Assets per employee ($millions) | 3.2220% | 5,405 |
| Cash dividends to net income (ytd only)* | 52.8846% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 5,412 |
| Loan loss allowance to noncurrent loans | 408.1281% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 3,879 |
| Noncurrent loans to loans | 0.2252% | 5,020 |
| Net loans and leases to total assets | 65.2111% | 3,019 |
| Net loans and leases to deposits | 72.5127% | 3,620 |
| Net loans and leases to core deposits | 76.3365% | 3,669 |
| Total domestic deposits to total assets | 89.9306% | 763 |
| Equity capital to assets | 8.7951% | 5,495 |
| Core capital (leverage) ratio | 8.3723% | 5,698 |
| Tier 1 risk-based capital ratio | 11.5135% | 5,654 |
| Total risk-based capital ratio | 12.3661% | 5,802 |
| Memoranda: | ||
| Average total assets | $274,683,600 | 2,323 |
| Average earning assets | $253,401,800 | 2,320 |
| Average equity | $22,935,200 | 2,855 |
| Average total loans | $159,478,400 | 2,432 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 4,159 |
| Cost of funding earning assets | 0.4591% | 3,157 |
| Net interest margin | 3.4449% | 4,040 |
| Noninterest income to average assets | 0.9904% | 1,250 |
| Noninterest expense to average assets | 3.2109% | 2,138 |
| Loan and lease loss provision to assets | 0.1285% | 1,952 |
| Net operating income to assets | 0.8009% | 3,424 |
| Return on assets (ROA) | 0.3958% | 5,339 |
| Pretax return on assets | 0.4137% | 5,554 |
| Return on Equity (ROE) | 4.8040% | 4,814 |
| Retained earnings to average equity (ytd only) | 2.7435% | 4,641 |
| Net charge-offs to loans | 0.0683% | 3,222 |
| Credit loss provision to net charge-offs | 335.4430% | 833 |
| Earnings coverage of net charge-offs (x) | 25.1647% | 1,515 |
| Efficiency ratio | 76.2082% | 2,459 |
| Assets per employee ($millions) | 2.9017% | 5,848 |
| Cash dividends to net income (ytd only)* | 42.8927% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 5,689 |
| Loan loss allowance to noncurrent loans | 461.5616% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 4,196 |
| Noncurrent loans to loans | 0.1883% | 5,344 |
| Net loans and leases to total assets | 66.3791% | 2,792 |
| Net loans and leases to deposits | 73.6171% | 3,481 |
| Net loans and leases to core deposits | 77.6157% | 3,571 |
| Total domestic deposits to total assets | 90.1680% | 656 |
| Equity capital to assets | 9.1102% | 5,244 |
| Core capital (leverage) ratio | 8.2738% | 5,861 |
| Tier 1 risk-based capital ratio | 11.5493% | 5,765 |
| Total risk-based capital ratio | 12.3483% | 5,909 |
| Memoranda: | ||
| Average total assets | $274,887,250 | 2,336 |
| Average earning assets | $254,130,250 | 2,326 |
| Average equity | $22,647,250 | 2,887 |
| Average total loans | $154,285,500 | 2,509 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,897 |
| Cost of funding earning assets | 0.4682% | 3,125 |
| Net interest margin | 3.4923% | 3,813 |
| Noninterest income to average assets | 0.9221% | 1,417 |
| Noninterest expense to average assets | 3.1656% | 2,293 |
| Loan and lease loss provision to assets | 0.1185% | 2,068 |
| Net operating income to assets | 0.6893% | 3,902 |
| Return on assets (ROA) | 0.7059% | 3,899 |
| Pretax return on assets | 0.8783% | 3,967 |
| Return on Equity (ROE) | 8.8648% | 2,653 |
| Retained earnings to average equity (ytd only) | 5.7084% | 2,509 |
| Net charge-offs to loans | 0.0627% | 3,084 |
| Credit loss provision to net charge-offs | 358.6957% | 749 |
| Earnings coverage of net charge-offs (x) | 29.5435% | 1,267 |
| Efficiency ratio | 75.7413% | 2,682 |
| Assets per employee ($millions) | 2.9486% | 5,823 |
| Cash dividends to net income (ytd only)* | 35.6053% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 5,678 |
| Loan loss allowance to noncurrent loans | 486.7550% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 4,503 |
| Noncurrent loans to loans | 0.1882% | 5,448 |
| Net loans and leases to total assets | 56.1623% | 4,262 |
| Net loans and leases to deposits | 64.2889% | 4,472 |
| Net loans and leases to core deposits | 67.9007% | 4,482 |
| Total domestic deposits to total assets | 87.3593% | 2,273 |
| Equity capital to assets | 8.3866% | 5,891 |
| Core capital (leverage) ratio | 8.1715% | 5,958 |
| Tier 1 risk-based capital ratio | 12.4400% | 5,271 |
| Total risk-based capital ratio | 13.2351% | 5,480 |
| Memoranda: | ||
| Average total assets | $278,497,670 | 2,306 |
| Average earning assets | $256,734,330 | 2,306 |
| Average equity | $22,177,670 | 2,927 |
| Average total loans | $146,775,670 | 2,630 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 4,202 |
| Cost of funding earning assets | 0.4776% | 3,140 |
| Net interest margin | 3.3951% | 4,138 |
| Noninterest income to average assets | 0.8588% | 1,525 |
| Noninterest expense to average assets | 3.2280% | 2,132 |
| Loan and lease loss provision to assets | 0.0869% | 2,468 |
| Net operating income to assets | 0.5583% | 4,421 |
| Return on assets (ROA) | 0.5793% | 4,372 |
| Pretax return on assets | 0.6777% | 4,562 |
| Return on Equity (ROE) | 7.4779% | 3,218 |
| Retained earnings to average equity (ytd only) | 3.7389% | 3,889 |
| Net charge-offs to loans | 0.1115% | 2,065 |
| Credit loss provision to net charge-offs | 153.8462% | 1,239 |
| Earnings coverage of net charge-offs (x) | 13.1026% | 1,680 |
| Efficiency ratio | 80.6204% | 2,103 |
| Assets per employee ($millions) | 2.8369% | 6,060 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 5,659 |
| Loan loss allowance to noncurrent loans | 196.5616% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7609% | 3,839 |
| Noncurrent loans to loans | 0.4889% | 4,693 |
| Net loans and leases to total assets | 50.3427% | 4,872 |
| Net loans and leases to deposits | 55.0635% | 5,192 |
| Net loans and leases to core deposits | 58.2729% | 5,182 |
| Total domestic deposits to total assets | 91.4266% | 404 |
| Equity capital to assets | 7.9172% | 6,107 |
| Core capital (leverage) ratio | 8.0268% | 6,097 |
| Tier 1 risk-based capital ratio | 13.0978% | 4,953 |
| Total risk-based capital ratio | 13.9056% | 5,153 |
| Memoranda: | ||
| Average total assets | $276,212,000 | 2,330 |
| Average earning assets | $252,955,000 | 2,334 |
| Average equity | $21,396,500 | 3,004 |
| Average total loans | $139,939,500 | 2,741 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9726% | 4,185 |
| Cost of funding earning assets | 0.5375% | 3,219 |
| Net interest margin | 3.4351% | 4,146 |
| Noninterest income to average assets | 0.9717% | 1,456 |
| Noninterest expense to average assets | 3.2518% | 2,276 |
| Loan and lease loss provision to assets | 0.0871% | 3,363 |
| Net operating income to assets | 0.6439% | 4,060 |
| Return on assets (ROA) | 0.6427% | 4,169 |
| Pretax return on assets | 0.7802% | 4,224 |
| Return on Equity (ROE) | 7.8719% | 3,100 |
| Retained earnings to average equity (ytd only) | 4.0154% | 3,335 |
| Net charge-offs to loans | 0.2518% | 2,463 |
| Credit loss provision to net charge-offs | 66.9516% | 3,384 |
| Earnings coverage of net charge-offs (x) | 6.6809% | 3,005 |
| Efficiency ratio | 78.1983% | 2,439 |
| Assets per employee ($millions) | 2.6888% | 6,232 |
| Cash dividends to net income (ytd only)* | 48.9914% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 5,640 |
| Loan loss allowance to noncurrent loans | 156.7285% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 3,773 |
| Noncurrent loans to loans | 0.6287% | 4,409 |
| Net loans and leases to total assets | 49.9932% | 5,082 |
| Net loans and leases to deposits | 54.6450% | 5,412 |
| Net loans and leases to core deposits | 58.1134% | 5,384 |
| Total domestic deposits to total assets | 91.4872% | 406 |
| Equity capital to assets | 7.5698% | 6,249 |
| Core capital (leverage) ratio | 8.2065% | 5,969 |
| Tier 1 risk-based capital ratio | 13.4158% | 4,709 |
| Total risk-based capital ratio | 14.2383% | 4,933 |
| Memoranda: | ||
| Average total assets | $269,945,200 | 2,348 |
| Average earning assets | $247,445,200 | 2,352 |
| Average equity | $22,040,400 | 2,924 |
| Average total loans | $139,417,600 | 2,710 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 4,207 |
| Cost of funding earning assets | 0.5504% | 3,254 |
| Net interest margin | 3.4308% | 4,162 |
| Noninterest income to average assets | 0.9740% | 1,525 |
| Noninterest expense to average assets | 3.2237% | 2,290 |
| Loan and lease loss provision to assets | 0.0791% | 3,479 |
| Net operating income to assets | 0.6663% | 4,032 |
| Return on assets (ROA) | 0.6663% | 4,170 |
| Pretax return on assets | 0.8192% | 4,225 |
| Return on Equity (ROE) | 8.0137% | 3,118 |
| Retained earnings to average equity (ytd only) | 5.9314% | 2,456 |
| Net charge-offs to loans | 0.3172% | 1,956 |
| Credit loss provision to net charge-offs | 48.0480% | 3,558 |
| Earnings coverage of net charge-offs (x) | 5.4534% | 3,186 |
| Efficiency ratio | 77.4871% | 2,486 |
| Assets per employee ($millions) | 2.7162% | 6,261 |
| Cash dividends to net income (ytd only)* | 25.9839% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 6,004 |
| Loan loss allowance to noncurrent loans | 159.7531% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 4,026 |
| Noncurrent loans to loans | 0.5763% | 4,762 |
| Net loans and leases to total assets | 51.2726% | 4,971 |
| Net loans and leases to deposits | 56.1717% | 5,363 |
| Net loans and leases to core deposits | 60.0958% | 5,293 |
| Total domestic deposits to total assets | 91.2782% | 433 |
| Equity capital to assets | 7.8883% | 6,217 |
| Core capital (leverage) ratio | 8.3445% | 5,923 |
| Tier 1 risk-based capital ratio | 12.9779% | 5,143 |
| Total risk-based capital ratio | 13.7419% | 5,405 |
| Memoranda: | ||
| Average total assets | $269,539,750 | 2,369 |
| Average earning assets | $247,322,250 | 2,365 |
| Average equity | $22,411,250 | 2,909 |
| Average total loans | $139,993,000 | 2,708 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9263% | 4,373 |
| Cost of funding earning assets | 0.5694% | 3,223 |
| Net interest margin | 3.3569% | 4,353 |
| Noninterest income to average assets | 0.9894% | 1,558 |
| Noninterest expense to average assets | 3.2078% | 2,337 |
| Loan and lease loss provision to assets | 0.0781% | 3,501 |
| Net operating income to assets | 0.6480% | 4,069 |
| Return on assets (ROA) | 0.6480% | 4,226 |
| Pretax return on assets | 0.7952% | 4,330 |
| Return on Equity (ROE) | 7.6606% | 3,255 |
| Retained earnings to average equity (ytd only) | 4.5823% | 3,352 |
| Net charge-offs to loans | 0.0644% | 3,781 |
| Credit loss provision to net charge-offs | 233.3333% | 1,062 |
| Earnings coverage of net charge-offs (x) | 26.0889% | 1,250 |
| Efficiency ratio | 77.8709% | 2,478 |
| Assets per employee ($millions) | 2.8141% | 6,145 |
| Cash dividends to net income (ytd only)* | 40.1837% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 5,400 |
| Loan loss allowance to noncurrent loans | 119.7647% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 3,889 |
| Noncurrent loans to loans | 0.9270% | 4,068 |
| Net loans and leases to total assets | 50.8755% | 5,011 |
| Net loans and leases to deposits | 55.8353% | 5,361 |
| Net loans and leases to core deposits | 59.4721% | 5,308 |
| Total domestic deposits to total assets | 91.1170% | 506 |
| Equity capital to assets | 7.9549% | 6,230 |
| Core capital (leverage) ratio | 7.7630% | 6,330 |
| Tier 1 risk-based capital ratio | 12.8501% | 5,258 |
| Total risk-based capital ratio | 13.7906% | 5,411 |
| Memoranda: | ||
| Average total assets | $268,846,670 | 2,385 |
| Average earning assets | $247,613,000 | 2,372 |
| Average equity | $22,739,670 | 2,896 |
| Average total loans | $139,804,000 | 2,724 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 4,280 |
| Cost of funding earning assets | 0.5747% | 3,333 |
| Net interest margin | 3.3803% | 4,190 |
| Noninterest income to average assets | 0.9050% | 1,746 |
| Noninterest expense to average assets | 3.1677% | 2,458 |
| Loan and lease loss provision to assets | 0.0816% | 3,285 |
| Net operating income to assets | 0.6202% | 4,117 |
| Return on assets (ROA) | 0.6202% | 4,278 |
| Pretax return on assets | 0.7626% | 4,319 |
| Return on Equity (ROE) | 7.1222% | 3,428 |
| Retained earnings to average equity (ytd only) | 3.7144% | 4,004 |
| Net charge-offs to loans | 0.0795% | 3,042 |
| Credit loss provision to net charge-offs | 196.4286% | 1,110 |
| Earnings coverage of net charge-offs (x) | 20.3214% | 1,189 |
| Efficiency ratio | 78.2175% | 2,572 |
| Assets per employee ($millions) | 2.8745% | 6,182 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 5,644 |
| Loan loss allowance to noncurrent loans | 223.9880% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 4,660 |
| Noncurrent loans to loans | 0.4866% | 5,211 |
| Net loans and leases to total assets | 49.1261% | 5,097 |
| Net loans and leases to deposits | 54.0940% | 5,428 |
| Net loans and leases to core deposits | 57.3841% | 5,398 |
| Total domestic deposits to total assets | 90.8163% | 602 |
| Equity capital to assets | 8.4818% | 6,035 |
| Core capital (leverage) ratio | 8.0489% | 6,097 |
| Tier 1 risk-based capital ratio | 13.8230% | 4,634 |
| Total risk-based capital ratio | 14.7691% | 4,818 |
| Memoranda: | ||
| Average total assets | $269,598,500 | 2,397 |
| Average earning assets | $247,785,500 | 2,396 |
| Average equity | $23,476,000 | 2,857 |
| Average total loans | $140,936,500 | 2,713 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1938% | 4,613 |
| Cost of funding earning assets | 0.6328% | 4,072 |
| Net interest margin | 3.5610% | 4,259 |
| Noninterest income to average assets | 0.9447% | 1,725 |
| Noninterest expense to average assets | 3.3343% | 2,242 |
| Loan and lease loss provision to assets | 0.0611% | 5,013 |
| Net operating income to assets | 0.6603% | 3,932 |
| Return on assets (ROA) | 0.6603% | 4,199 |
| Pretax return on assets | 0.8225% | 4,217 |
| Return on Equity (ROE) | 7.4918% | 3,343 |
| Retained earnings to average equity (ytd only) | 4.2439% | 3,240 |
| Net charge-offs to loans | 0.2068% | 3,725 |
| Credit loss provision to net charge-offs | 55.3633% | 4,568 |
| Earnings coverage of net charge-offs (x) | 8.0104% | 2,492 |
| Efficiency ratio | 78.3278% | 2,390 |
| Assets per employee ($millions) | 2.7138% | 6,413 |
| Cash dividends to net income (ytd only)* | 43.3526% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 5,921 |
| Loan loss allowance to noncurrent loans | 5,058.6207% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 5,260 |
| Noncurrent loans to loans | 0.0200% | 6,486 |
| Net loans and leases to total assets | 54.4541% | 4,556 |
| Net loans and leases to deposits | 60.5748% | 4,962 |
| Net loans and leases to core deposits | 64.4991% | 4,904 |
| Total domestic deposits to total assets | 89.8956% | 1,010 |
| Equity capital to assets | 8.9446% | 5,584 |
| Core capital (leverage) ratio | 8.3372% | 5,843 |
| Tier 1 risk-based capital ratio | 13.1135% | 5,027 |
| Total risk-based capital ratio | 13.9947% | 5,235 |
| Memoranda: | ||
| Average total assets | $262,000,400 | 2,417 |
| Average earning assets | $240,833,600 | 2,402 |
| Average equity | $23,091,800 | 2,842 |
| Average total loans | $139,722,600 | 2,717 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 5,034 |
| Cost of funding earning assets | 0.6518% | 4,182 |
| Net interest margin | 3.4894% | 4,684 |
| Noninterest income to average assets | 1.0006% | 1,499 |
| Noninterest expense to average assets | 3.3194% | 2,217 |
| Loan and lease loss provision to assets | 0.0204% | 5,542 |
| Net operating income to assets | 0.6939% | 3,940 |
| Return on assets (ROA) | 0.6939% | 4,190 |
| Pretax return on assets | 0.8768% | 4,204 |
| Return on Equity (ROE) | 7.9029% | 3,323 |
| Retained earnings to average equity (ytd only) | 5.2918% | 3,163 |
| Net charge-offs to loans | 0.2369% | 3,300 |
| Credit loss provision to net charge-offs | 16.2602% | 5,003 |
| Earnings coverage of net charge-offs (x) | 7.1586% | 2,650 |
| Efficiency ratio | 77.9966% | 2,402 |
| Assets per employee ($millions) | 2.7634% | 6,402 |
| Cash dividends to net income (ytd only)* | 33.0400% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 6,124 |
| Loan loss allowance to noncurrent loans | 8,687.5000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 4,899 |
| Noncurrent loans to loans | 0.0114% | 6,631 |
| Net loans and leases to total assets | 53.0001% | 4,912 |
| Net loans and leases to deposits | 59.2124% | 5,293 |
| Net loans and leases to core deposits | 64.4876% | 5,101 |
| Total domestic deposits to total assets | 89.5085% | 1,121 |
| Equity capital to assets | 9.0444% | 5,783 |
| Core capital (leverage) ratio | 8.4207% | 5,875 |
| Tier 1 risk-based capital ratio | 13.3153% | 5,010 |
| Total risk-based capital ratio | 14.1722% | 5,279 |
| Memoranda: | ||
| Average total assets | $261,690,000 | 2,445 |
| Average earning assets | $241,185,000 | 2,433 |
| Average equity | $22,978,250 | 2,881 |
| Average total loans | $138,450,000 | 2,765 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 5,126 |
| Cost of funding earning assets | 0.6719% | 4,259 |
| Net interest margin | 3.4793% | 4,766 |
| Noninterest income to average assets | 1.0313% | 1,376 |
| Noninterest expense to average assets | 3.3403% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6970% | 3,886 |
| Return on assets (ROA) | 0.6970% | 4,150 |
| Pretax return on assets | 0.8921% | 4,107 |
| Return on Equity (ROE) | 8.0183% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.6981% | 2,274 |
| Net charge-offs to loans | -0.0145% | 6,362 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1996% | 2,433 |
| Assets per employee ($millions) | 2.6472% | 6,604 |
| Cash dividends to net income (ytd only)* | 16.4654% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 5,235 |
| Loan loss allowance to noncurrent loans | 200.7500% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 1.0111% | 4,350 |
| Noncurrent loans to loans | 0.6107% | 5,292 |
| Net loans and leases to total assets | 49.8732% | 5,370 |
| Net loans and leases to deposits | 55.4287% | 5,715 |
| Net loans and leases to core deposits | 60.3886% | 5,555 |
| Total domestic deposits to total assets | 89.9772% | 934 |
| Equity capital to assets | 9.0214% | 5,675 |
| Core capital (leverage) ratio | 8.1995% | 6,053 |
| Tier 1 risk-based capital ratio | 14.1428% | 4,346 |
| Total risk-based capital ratio | 15.2065% | 4,448 |
| Memoranda: | ||
| Average total assets | $261,411,330 | 2,445 |
| Average earning assets | $240,511,330 | 2,432 |
| Average equity | $22,723,000 | 2,885 |
| Average total loans | $137,757,000 | 2,787 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 4,999 |
| Cost of funding earning assets | 0.6760% | 4,500 |
| Net interest margin | 3.5526% | 4,478 |
| Noninterest income to average assets | 1.0366% | 1,344 |
| Noninterest expense to average assets | 3.3490% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7317% | 3,727 |
| Return on assets (ROA) | 0.7317% | 3,962 |
| Pretax return on assets | 0.9558% | 3,844 |
| Return on Equity (ROE) | 8.5781% | 3,012 |
| Retained earnings to average equity (ytd only) | 5.8975% | 3,021 |
| Net charge-offs to loans | -0.0680% | 6,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0892% | 2,635 |
| Assets per employee ($millions) | 2.7357% | 6,592 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 5,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7397% | 5,069 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 51.3955% | 5,093 |
| Net loans and leases to deposits | 56.7628% | 5,517 |
| Net loans and leases to core deposits | 61.5910% | 5,370 |
| Total domestic deposits to total assets | 90.5442% | 780 |
| Equity capital to assets | 8.5785% | 6,011 |
| Core capital (leverage) ratio | 8.0717% | 6,190 |
| Tier 1 risk-based capital ratio | 13.4437% | 4,865 |
| Total risk-based capital ratio | 14.4748% | 5,027 |
| Memoranda: | ||
| Average total assets | $262,403,000 | 2,456 |
| Average earning assets | $241,404,000 | 2,437 |
| Average equity | $22,382,500 | 2,931 |
| Average total loans | $141,140,000 | 2,768 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7995% | 3,814 |
| Cost of funding earning assets | 0.7641% | 5,107 |
| Net interest margin | 4.0354% | 2,706 |
| Noninterest income to average assets | 0.8950% | 1,685 |
| Noninterest expense to average assets | 3.4544% | 2,107 |
| Loan and lease loss provision to assets | 0.1886% | 4,296 |
| Net operating income to assets | 1.0353% | 2,065 |
| Return on assets (ROA) | 1.0313% | 2,232 |
| Pretax return on assets | 0.9266% | 3,531 |
| Return on Equity (ROE) | 12.0529% | 1,390 |
| Retained earnings to average equity (ytd only) | 7.9041% | 1,114 |
| Net charge-offs to loans | 0.2658% | 4,109 |
| Credit loss provision to net charge-offs | 125.6757% | 2,487 |
| Earnings coverage of net charge-offs (x) | 7.4568% | 2,333 |
| Efficiency ratio | 74.8182% | 3,084 |
| Assets per employee ($millions) | 2.6206% | 6,698 |
| Cash dividends to net income (ytd only)* | 34.4217% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,791 |
| Loan loss allowance to noncurrent loans | 1,922.8916% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 4,937 |
| Noncurrent loans to loans | 0.0575% | 6,672 |
| Net loans and leases to total assets | 54.9945% | 4,879 |
| Net loans and leases to deposits | 62.1580% | 5,220 |
| Net loans and leases to core deposits | 67.4530% | 5,097 |
| Total domestic deposits to total assets | 88.4754% | 1,866 |
| Equity capital to assets | 8.4801% | 6,165 |
| Core capital (leverage) ratio | 8.3091% | 5,842 |
| Tier 1 risk-based capital ratio | 12.8497% | 5,196 |
| Total risk-based capital ratio | 13.8370% | 5,371 |
| Memoranda: | ||
| Average total assets | $246,494,200 | 2,562 |
| Average earning assets | $224,710,800 | 2,559 |
| Average equity | $21,090,400 | 2,999 |
| Average total loans | $139,178,800 | 2,806 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8541% | 3,763 |
| Cost of funding earning assets | 0.7890% | 5,223 |
| Net interest margin | 4.0651% | 2,622 |
| Noninterest income to average assets | 0.8923% | 1,678 |
| Noninterest expense to average assets | 3.3950% | 2,200 |
| Loan and lease loss provision to assets | 0.0987% | 5,225 |
| Net operating income to assets | 1.0753% | 2,059 |
| Return on assets (ROA) | 1.0699% | 2,218 |
| Pretax return on assets | 1.0957% | 3,035 |
| Return on Equity (ROE) | 12.4749% | 1,423 |
| Retained earnings to average equity (ytd only) | 9.2795% | 1,049 |
| Net charge-offs to loans | 0.0986% | 5,000 |
| Credit loss provision to net charge-offs | 176.4706% | 1,686 |
| Earnings coverage of net charge-offs (x) | 21.4602% | 1,181 |
| Efficiency ratio | 73.1719% | 3,338 |
| Assets per employee ($millions) | 2.5048% | 6,884 |
| Cash dividends to net income (ytd only)* | 25.6148% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 5,947 |
| Loan loss allowance to noncurrent loans | 3,036.5385% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 5,444 |
| Noncurrent loans to loans | 0.0357% | 6,851 |
| Net loans and leases to total assets | 59.3287% | 4,269 |
| Net loans and leases to deposits | 66.0402% | 4,901 |
| Net loans and leases to core deposits | 71.8326% | 4,738 |
| Total domestic deposits to total assets | 89.8372% | 956 |
| Equity capital to assets | 9.0639% | 5,672 |
| Core capital (leverage) ratio | 8.5134% | 5,693 |
| Tier 1 risk-based capital ratio | 12.4593% | 5,526 |
| Total risk-based capital ratio | 13.4172% | 5,758 |
| Memoranda: | ||
| Average total assets | $243,256,750 | 2,603 |
| Average earning assets | $221,552,500 | 2,609 |
| Average equity | $20,862,750 | 3,028 |
| Average total loans | $137,904,500 | 2,858 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 4,218 |
| Cost of funding earning assets | 0.8109% | 5,298 |
| Net interest margin | 3.9577% | 3,052 |
| Noninterest income to average assets | 0.9114% | 1,613 |
| Noninterest expense to average assets | 3.3811% | 2,314 |
| Loan and lease loss provision to assets | 0.1479% | 4,463 |
| Net operating income to assets | 1.0084% | 2,191 |
| Return on assets (ROA) | 1.0002% | 2,331 |
| Pretax return on assets | 0.9681% | 3,366 |
| Return on Equity (ROE) | 11.8869% | 1,526 |
| Retained earnings to average equity (ytd only) | 9.4451% | 974 |
| Net charge-offs to loans | 0.1301% | 4,437 |
| Credit loss provision to net charge-offs | 204.5455% | 1,474 |
| Earnings coverage of net charge-offs (x) | 15.5455% | 1,398 |
| Efficiency ratio | 74.3159% | 3,307 |
| Assets per employee ($millions) | 2.6128% | 6,771 |
| Cash dividends to net income (ytd only)* | 20.5423% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 5,549 |
| Loan loss allowance to noncurrent loans | 870.4918% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 5,044 |
| Noncurrent loans to loans | 0.1376% | 6,635 |
| Net loans and leases to total assets | 54.0727% | 5,289 |
| Net loans and leases to deposits | 60.0241% | 5,724 |
| Net loans and leases to core deposits | 63.9368% | 5,728 |
| Total domestic deposits to total assets | 90.0850% | 930 |
| Equity capital to assets | 8.8035% | 5,813 |
| Core capital (leverage) ratio | 8.2687% | 5,918 |
| Tier 1 risk-based capital ratio | 13.0710% | 4,860 |
| Total risk-based capital ratio | 14.1105% | 5,010 |
| Memoranda: | ||
| Average total assets | $243,354,000 | 2,619 |
| Average earning assets | $220,988,330 | 2,637 |
| Average equity | $20,476,330 | 3,065 |
| Average total loans | $135,297,000 | 2,939 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 4,433 |
| Cost of funding earning assets | 0.8305% | 5,392 |
| Net interest margin | 3.8887% | 3,199 |
| Noninterest income to average assets | 0.9132% | 1,614 |
| Noninterest expense to average assets | 3.3556% | 2,394 |
| Loan and lease loss provision to assets | 0.2956% | 2,794 |
| Net operating income to assets | 0.9116% | 2,507 |
| Return on assets (ROA) | 0.8952% | 2,647 |
| Pretax return on assets | 0.7835% | 3,963 |
| Return on Equity (ROE) | 10.8899% | 1,781 |
| Retained earnings to average equity (ytd only) | 8.8918% | 1,412 |
| Net charge-offs to loans | 0.2374% | 3,130 |
| Credit loss provision to net charge-offs | 222.2222% | 1,362 |
| Earnings coverage of net charge-offs (x) | 8.2346% | 1,843 |
| Efficiency ratio | 74.6494% | 3,399 |
| Assets per employee ($millions) | 2.6748% | 6,731 |
| Cash dividends to net income (ytd only)* | 18.3486% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 5,673 |
| Loan loss allowance to noncurrent loans | 112.2807% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 1.2715% | 4,412 |
| Noncurrent loans to loans | 1.0620% | 4,931 |
| Net loans and leases to total assets | 53.8747% | 5,326 |
| Net loans and leases to deposits | 59.3611% | 5,785 |
| Net loans and leases to core deposits | 63.0700% | 5,820 |
| Total domestic deposits to total assets | 90.7576% | 733 |
| Equity capital to assets | 8.2541% | 6,220 |
| Core capital (leverage) ratio | 7.9722% | 6,289 |
| Tier 1 risk-based capital ratio | 12.5684% | 5,198 |
| Total risk-based capital ratio | 13.6001% | 5,388 |
| Memoranda: | ||
| Average total assets | $243,533,500 | 2,631 |
| Average earning assets | $221,563,500 | 2,644 |
| Average equity | $20,018,500 | 3,112 |
| Average total loans | $136,452,000 | 2,956 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1006% | 4,093 |
| Cost of funding earning assets | 0.9803% | 5,777 |
| Net interest margin | 4.1204% | 2,480 |
| Noninterest income to average assets | 0.9045% | 1,838 |
| Noninterest expense to average assets | 3.4613% | 2,272 |
| Loan and lease loss provision to assets | 0.5430% | 2,972 |
| Net operating income to assets | 0.6208% | 3,580 |
| Return on assets (ROA) | 0.7320% | 3,215 |
| Pretax return on assets | 0.7980% | 3,645 |
| Return on Equity (ROE) | 8.5319% | 2,485 |
| Retained earnings to average equity (ytd only) | 5.0576% | 2,376 |
| Net charge-offs to loans | 0.8393% | 2,532 |
| Credit loss provision to net charge-offs | 108.9744% | 4,050 |
| Earnings coverage of net charge-offs (x) | 2.4487% | 3,908 |
| Efficiency ratio | 73.2102% | 3,555 |
| Assets per employee ($millions) | 2.6194% | 6,824 |
| Cash dividends to net income (ytd only)* | 40.7213% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 6,015 |
| Loan loss allowance to noncurrent loans | 58.6099% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.2237% | 4,576 |
| Noncurrent loans to loans | 1.8461% | 3,756 |
| Net loans and leases to total assets | 56.9443% | 5,196 |
| Net loans and leases to deposits | 63.4257% | 5,698 |
| Net loans and leases to core deposits | 69.3386% | 5,506 |
| Total domestic deposits to total assets | 89.7810% | 1,216 |
| Equity capital to assets | 8.1852% | 6,275 |
| Core capital (leverage) ratio | 7.7840% | 6,452 |
| Tier 1 risk-based capital ratio | 12.0897% | 5,394 |
| Total risk-based capital ratio | 13.0436% | 5,652 |
| Memoranda: | ||
| Average total assets | $234,827,400 | 2,693 |
| Average earning assets | $215,247,400 | 2,687 |
| Average equity | $20,147,800 | 3,128 |
| Average total loans | $139,400,600 | 2,961 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1954% | 3,857 |
| Cost of funding earning assets | 0.9956% | 5,959 |
| Net interest margin | 4.1998% | 2,216 |
| Noninterest income to average assets | 0.9373% | 1,658 |
| Noninterest expense to average assets | 3.4274% | 2,213 |
| Loan and lease loss provision to assets | 0.4858% | 3,047 |
| Net operating income to assets | 0.6648% | 3,577 |
| Return on assets (ROA) | 0.7881% | 3,218 |
| Pretax return on assets | 1.0390% | 3,032 |
| Return on Equity (ROE) | 9.0780% | 2,462 |
| Retained earnings to average equity (ytd only) | 5.9511% | 2,383 |
| Net charge-offs to loans | 0.4643% | 3,431 |
| Credit loss provision to net charge-offs | 174.8971% | 2,107 |
| Earnings coverage of net charge-offs (x) | 4.9054% | 2,901 |
| Efficiency ratio | 70.8388% | 3,914 |
| Assets per employee ($millions) | 2.5821% | 6,974 |
| Cash dividends to net income (ytd only)* | 34.4454% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 5,194 |
| Loan loss allowance to noncurrent loans | 92.1949% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 5,397 |
| Noncurrent loans to loans | 1.3621% | 4,586 |
| Net loans and leases to total assets | 58.2583% | 5,223 |
| Net loans and leases to deposits | 64.8399% | 5,805 |
| Net loans and leases to core deposits | 71.3465% | 5,596 |
| Total domestic deposits to total assets | 89.8495% | 950 |
| Equity capital to assets | 8.7807% | 5,887 |
| Core capital (leverage) ratio | 8.1635% | 6,093 |
| Tier 1 risk-based capital ratio | 12.2206% | 5,247 |
| Total risk-based capital ratio | 13.3592% | 5,319 |
| Memoranda: | ||
| Average total assets | $233,288,500 | 2,742 |
| Average earning assets | $214,003,000 | 2,740 |
| Average equity | $20,253,500 | 3,154 |
| Average total loans | $139,569,000 | 2,987 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2518% | 3,708 |
| Cost of funding earning assets | 1.0087% | 6,097 |
| Net interest margin | 4.2432% | 2,000 |
| Noninterest income to average assets | 0.9393% | 1,545 |
| Noninterest expense to average assets | 3.4589% | 2,125 |
| Loan and lease loss provision to assets | 0.5391% | 2,627 |
| Net operating income to assets | 0.6370% | 3,695 |
| Return on assets (ROA) | 0.7996% | 3,116 |
| Pretax return on assets | 1.0523% | 2,924 |
| Return on Equity (ROE) | 9.2461% | 2,372 |
| Retained earnings to average equity (ytd only) | 6.5032% | 2,071 |
| Net charge-offs to loans | 0.5510% | 2,880 |
| Credit loss provision to net charge-offs | 162.7604% | 2,426 |
| Earnings coverage of net charge-offs (x) | 4.1589% | 3,037 |
| Efficiency ratio | 70.8044% | 4,017 |
| Assets per employee ($millions) | 2.4581% | 7,152 |
| Cash dividends to net income (ytd only)* | 29.6656% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 5,485 |
| Loan loss allowance to noncurrent loans | 334.0816% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 6,750 |
| Noncurrent loans to loans | 0.3575% | 6,521 |
| Net loans and leases to total assets | 58.6060% | 5,313 |
| Net loans and leases to deposits | 65.3683% | 5,886 |
| Net loans and leases to core deposits | 69.8206% | 5,894 |
| Total domestic deposits to total assets | 89.6551% | 1,095 |
| Equity capital to assets | 8.8808% | 5,629 |
| Core capital (leverage) ratio | 8.0284% | 6,238 |
| Tier 1 risk-based capital ratio | 12.0572% | 5,261 |
| Total risk-based capital ratio | 13.1173% | 5,400 |
| Memoranda: | ||
| Average total assets | $231,866,670 | 2,783 |
| Average earning assets | $212,953,670 | 2,775 |
| Average equity | $20,051,670 | 3,163 |
| Average total loans | $139,373,670 | 3,028 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2341% | 3,856 |
| Cost of funding earning assets | 1.0187% | 6,285 |
| Net interest margin | 4.2154% | 1,974 |
| Noninterest income to average assets | 0.8593% | 1,775 |
| Noninterest expense to average assets | 3.4219% | 2,174 |
| Loan and lease loss provision to assets | 0.6027% | 2,108 |
| Net operating income to assets | 0.5313% | 4,224 |
| Return on assets (ROA) | 0.8559% | 2,817 |
| Pretax return on assets | 1.1314% | 2,623 |
| Return on Equity (ROE) | 10.0315% | 2,090 |
| Retained earnings to average equity (ytd only) | 7.5085% | 1,922 |
| Net charge-offs to loans | 0.0797% | 4,624 |
| Credit loss provision to net charge-offs | 1,250.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 27.1071% | 942 |
| Efficiency ratio | 71.6315% | 3,993 |
| Assets per employee ($millions) | 2.4518% | 7,272 |
| Cash dividends to net income (ytd only)* | 25.1509% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 5,194 |
| Loan loss allowance to noncurrent loans | 867.6768% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 7,064 |
| Noncurrent loans to loans | 0.1444% | 7,044 |
| Net loans and leases to total assets | 58.1428% | 5,408 |
| Net loans and leases to deposits | 64.2946% | 6,030 |
| Net loans and leases to core deposits | 68.0159% | 6,100 |
| Total domestic deposits to total assets | 90.4318% | 774 |
| Equity capital to assets | 8.5743% | 5,907 |
| Core capital (leverage) ratio | 7.7477% | 6,571 |
| Tier 1 risk-based capital ratio | 11.9434% | 5,258 |
| Total risk-based capital ratio | 13.0635% | 5,323 |
| Memoranda: | ||
| Average total assets | $232,270,000 | 2,850 |
| Average earning assets | $213,218,500 | 2,829 |
| Average equity | $19,817,500 | 3,219 |
| Average total loans | $140,534,500 | 3,067 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5607% | 3,811 |
| Cost of funding earning assets | 1.2493% | 6,475 |
| Net interest margin | 4.3113% | 1,685 |
| Noninterest income to average assets | 0.8409% | 2,225 |
| Noninterest expense to average assets | 3.5135% | 2,343 |
| Loan and lease loss provision to assets | 0.6495% | 3,204 |
| Net operating income to assets | 0.6125% | 3,284 |
| Return on assets (ROA) | 0.7209% | 2,925 |
| Pretax return on assets | 0.7350% | 3,459 |
| Return on Equity (ROE) | 8.6833% | 2,129 |
| Retained earnings to average equity (ytd only) | 5.5747% | 1,543 |
| Net charge-offs to loans | 0.9590% | 2,482 |
| Credit loss provision to net charge-offs | 109.8981% | 5,009 |
| Earnings coverage of net charge-offs (x) | 2.1557% | 4,106 |
| Efficiency ratio | 72.6709% | 4,152 |
| Assets per employee ($millions) | 2.4381% | 7,297 |
| Cash dividends to net income (ytd only)* | 35.7995% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 6,532 |
| Loan loss allowance to noncurrent loans | 402.3055% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 6,592 |
| Noncurrent loans to loans | 0.2411% | 6,826 |
| Net loans and leases to total assets | 61.5356% | 5,095 |
| Net loans and leases to deposits | 68.6693% | 5,756 |
| Net loans and leases to core deposits | 87.4208% | 5,395 |
| Total domestic deposits to total assets | 89.6115% | 1,151 |
| Equity capital to assets | 8.4897% | 5,894 |
| Core capital (leverage) ratio | 7.5518% | 6,736 |
| Tier 1 risk-based capital ratio | 11.3231% | 5,595 |
| Total risk-based capital ratio | 12.2049% | 5,931 |
| Memoranda: | ||
| Average total assets | $232,502,600 | 2,793 |
| Average earning assets | $212,833,800 | 2,799 |
| Average equity | $19,301,400 | 3,303 |
| Average total loans | $143,271,600 | 3,032 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6215% | 3,732 |
| Cost of funding earning assets | 1.2729% | 6,648 |
| Net interest margin | 4.3487% | 1,592 |
| Noninterest income to average assets | 0.8559% | 2,174 |
| Noninterest expense to average assets | 3.5125% | 2,250 |
| Loan and lease loss provision to assets | 0.5443% | 3,214 |
| Net operating income to assets | 0.6245% | 3,520 |
| Return on assets (ROA) | 0.7413% | 3,117 |
| Pretax return on assets | 0.9264% | 3,144 |
| Return on Equity (ROE) | 8.9809% | 2,266 |
| Retained earnings to average equity (ytd only) | 7.5928% | 1,271 |
| Net charge-offs to loans | 0.9559% | 2,067 |
| Credit loss provision to net charge-offs | 92.5926% | 5,411 |
| Earnings coverage of net charge-offs (x) | 2.2534% | 4,133 |
| Efficiency ratio | 71.9057% | 4,257 |
| Assets per employee ($millions) | 2.4119% | 7,363 |
| Cash dividends to net income (ytd only)* | 15.4560% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 7,010 |
| Loan loss allowance to noncurrent loans | 1,741.1765% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 7,172 |
| Noncurrent loans to loans | 0.0479% | 7,386 |
| Net loans and leases to total assets | 59.5789% | 5,649 |
| Net loans and leases to deposits | 71.2938% | 5,761 |
| Net loans and leases to core deposits | 90.8356% | 5,355 |
| Total domestic deposits to total assets | 83.5681% | 3,922 |
| Equity capital to assets | 8.5430% | 6,196 |
| Core capital (leverage) ratio | 7.8235% | 6,587 |
| Tier 1 risk-based capital ratio | 11.5027% | 5,426 |
| Total risk-based capital ratio | 12.2626% | 5,907 |
| Memoranda: | ||
| Average total assets | $232,722,750 | 2,808 |
| Average earning assets | $213,056,250 | 2,814 |
| Average equity | $19,210,750 | 3,353 |
| Average total loans | $143,108,000 | 3,060 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7590% | 3,258 |
| Cost of funding earning assets | 1.3097% | 6,773 |
| Net interest margin | 4.4492% | 1,294 |
| Noninterest income to average assets | 0.7697% | 2,590 |
| Noninterest expense to average assets | 3.5541% | 2,183 |
| Loan and lease loss provision to assets | 0.5183% | 2,952 |
| Net operating income to assets | 0.5974% | 3,684 |
| Return on assets (ROA) | 0.6972% | 3,375 |
| Pretax return on assets | 0.8898% | 3,379 |
| Return on Equity (ROE) | 8.5472% | 2,545 |
| Retained earnings to average equity (ytd only) | 6.4290% | 1,833 |
| Net charge-offs to loans | 0.8322% | 2,029 |
| Credit loss provision to net charge-offs | 100.5025% | 4,540 |
| Earnings coverage of net charge-offs (x) | 2.4824% | 3,823 |
| Efficiency ratio | 72.8020% | 4,244 |
| Assets per employee ($millions) | 2.3079% | 7,540 |
| Cash dividends to net income (ytd only)* | 24.7831% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 6,716 |
| Loan loss allowance to noncurrent loans | 908.6331% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 7,120 |
| Noncurrent loans to loans | 0.1005% | 7,276 |
| Net loans and leases to total assets | 59.4120% | 5,777 |
| Net loans and leases to deposits | 71.0781% | 5,861 |
| Net loans and leases to core deposits | 88.9323% | 5,640 |
| Total domestic deposits to total assets | 83.5869% | 3,972 |
| Equity capital to assets | 8.3090% | 6,316 |
| Core capital (leverage) ratio | 7.6502% | 6,826 |
| Tier 1 risk-based capital ratio | 11.4018% | 5,497 |
| Total risk-based capital ratio | 12.2286% | 5,830 |
| Memoranda: | ||
| Average total assets | $231,507,330 | 2,841 |
| Average earning assets | $211,496,330 | 2,848 |
| Average equity | $18,883,330 | 3,412 |
| Average total loans | $143,474,000 | 3,089 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8300% | 3,140 |
| Cost of funding earning assets | 1.3213% | 6,956 |
| Net interest margin | 4.5087% | 1,114 |
| Noninterest income to average assets | 0.6141% | 3,440 |
| Noninterest expense to average assets | 3.4640% | 2,188 |
| Loan and lease loss provision to assets | 0.5175% | 2,396 |
| Net operating income to assets | 0.5824% | 4,094 |
| Return on assets (ROA) | 0.7176% | 3,669 |
| Pretax return on assets | 0.8988% | 3,719 |
| Return on Equity (ROE) | 8.8808% | 2,771 |
| Retained earnings to average equity (ytd only) | 6.7460% | 2,311 |
| Net charge-offs to loans | 0.4547% | 2,316 |
| Credit loss provision to net charge-offs | 180.7229% | 2,406 |
| Earnings coverage of net charge-offs (x) | 4.3554% | 2,904 |
| Efficiency ratio | 72.7938% | 4,040 |
| Assets per employee ($millions) | 2.2920% | 7,594 |
| Cash dividends to net income (ytd only)* | 24.0385% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 6,411 |
| Loan loss allowance to noncurrent loans | 168.9697% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 5,528 |
| Noncurrent loans to loans | 0.5701% | 5,989 |
| Net loans and leases to total assets | 62.5250% | 5,231 |
| Net loans and leases to deposits | 74.8322% | 5,372 |
| Net loans and leases to core deposits | 95.9943% | 4,966 |
| Total domestic deposits to total assets | 83.5535% | 3,900 |
| Equity capital to assets | 8.2754% | 6,424 |
| Core capital (leverage) ratio | 7.4268% | 7,243 |
| Tier 1 risk-based capital ratio | 11.0508% | 5,861 |
| Total risk-based capital ratio | 11.9514% | 6,095 |
| Memoranda: | ||
| Average total assets | $231,868,500 | 2,855 |
| Average earning assets | $210,703,000 | 2,873 |
| Average equity | $18,737,000 | 3,448 |
| Average total loans | $146,022,500 | 3,072 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6467% | 2,262 |
| Cost of funding earning assets | 2.2468% | 5,384 |
| Net interest margin | 4.3999% | 1,682 |
| Noninterest income to average assets | 0.9972% | 1,589 |
| Noninterest expense to average assets | 3.5264% | 2,325 |
| Loan and lease loss provision to assets | 0.5845% | 2,484 |
| Net operating income to assets | 0.6742% | 4,012 |
| Return on assets (ROA) | 0.6745% | 3,842 |
| Pretax return on assets | 0.8902% | 3,753 |
| Return on Equity (ROE) | 8.8754% | 2,686 |
| Retained earnings to average equity (ytd only) | 4.9482% | 2,063 |
| Net charge-offs to loans | 0.7545% | 1,642 |
| Credit loss provision to net charge-offs | 118.8042% | 4,538 |
| Earnings coverage of net charge-offs (x) | 2.9965% | 4,589 |
| Efficiency ratio | 69.8355% | 4,385 |
| Assets per employee ($millions) | 2.3691% | 7,455 |
| Cash dividends to net income (ytd only)* | 44.2478% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 6,875 |
| Loan loss allowance to noncurrent loans | 103.7891% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 4,064 |
| Noncurrent loans to loans | 0.8239% | 4,989 |
| Net loans and leases to total assets | 62.2860% | 5,579 |
| Net loans and leases to deposits | 78.7482% | 5,233 |
| Net loans and leases to core deposits | 100.2938% | 4,799 |
| Total domestic deposits to total assets | 79.0952% | 5,342 |
| Equity capital to assets | 7.8908% | 6,981 |
| Core capital (leverage) ratio | 7.2478% | 7,472 |
| Tier 1 risk-based capital ratio | 10.4742% | 6,233 |
| Total risk-based capital ratio | 11.2612% | 6,601 |
| Memoranda: | ||
| Average total assets | $234,547,200 | 2,707 |
| Average earning assets | $213,412,600 | 2,729 |
| Average equity | $17,824,600 | 3,582 |
| Average total loans | $152,942,400 | 2,871 |