Home > First Federal Savings and Loan Association of Mattoon > Performance and Condition Ratios
First Federal Savings and Loan Association of Mattoon, 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 | 3.4856% | 5,010 |
| Cost of funding earning assets | 0.2856% | 4,497 |
| Net interest margin | 3.2000% | 4,667 |
| Noninterest income to average assets | 0.2910% | 4,863 |
| Noninterest expense to average assets | 4.0411% | 635 |
| Loan and lease loss provision to assets | 0.0273% | 3,711 |
| Net operating income to assets | -0.9565% | 6,191 |
| Return on assets (ROA) | -0.7336% | 6,168 |
| Pretax return on assets | -0.5821% | 6,146 |
| Return on Equity (ROE) | -2.5642% | 6,088 |
| Retained earnings to average equity (ytd only) | -2.5642% | 5,901 |
| Net charge-offs to loans | 0.0195% | 3,547 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | -85.4975% | 4,176 |
| Efficiency ratio | 123.8272% | 88 |
| Assets per employee ($millions) | 4.8999% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 4,860 |
| Loan loss allowance to noncurrent loans | 224.4565% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 4,408 |
| Noncurrent loans to loans | 0.4351% | 4,046 |
| Net loans and leases to total assets | 47.4801% | 5,119 |
| Net loans and leases to deposits | 66.7543% | 4,303 |
| Net loans and leases to core deposits | 68.4544% | 4,505 |
| Total domestic deposits to total assets | 71.1267% | 5,921 |
| Equity capital to assets | 27.9810% | 72 |
| Core capital (leverage) ratio | 28.0334% | 67 |
| Tier 1 risk-based capital ratio | 60.9410% | 91 |
| Total risk-based capital ratio | 61.9632% | 89 |
| Memoranda: | ||
| Average total assets | $87,960,500 | 4,769 |
| Average earning assets | $81,706,500 | 4,740 |
| Average equity | $25,167,000 | 2,703 |
| Average total loans | $41,114,750 | 5,016 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4760% | 5,049 |
| Cost of funding earning assets | 0.2888% | 4,517 |
| Net interest margin | 3.1871% | 4,701 |
| Noninterest income to average assets | 0.2731% | 4,994 |
| Noninterest expense to average assets | 2.8288% | 3,134 |
| Loan and lease loss provision to assets | 0.0273% | 3,586 |
| Net operating income to assets | 0.2915% | 5,464 |
| Return on assets (ROA) | 0.4142% | 5,201 |
| Pretax return on assets | 0.5394% | 5,124 |
| Return on Equity (ROE) | 1.4370% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.4370% | 4,975 |
| Net charge-offs to loans | 0.0295% | 3,079 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 29.8333% | 1,369 |
| Efficiency ratio | 87.4121% | 951 |
| Assets per employee ($millions) | 4.9072% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 5,104 |
| Loan loss allowance to noncurrent loans | 243.7126% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 4,595 |
| Noncurrent loans to loans | 0.3888% | 4,317 |
| Net loans and leases to total assets | 48.1728% | 5,089 |
| Net loans and leases to deposits | 68.4078% | 4,099 |
| Net loans and leases to core deposits | 70.3380% | 4,294 |
| Total domestic deposits to total assets | 70.4200% | 6,017 |
| Equity capital to assets | 28.6358% | 67 |
| Core capital (leverage) ratio | 28.7939% | 68 |
| Tier 1 risk-based capital ratio | 60.3119% | 100 |
| Total risk-based capital ratio | 61.2826% | 99 |
| Memoranda: | ||
| Average total assets | $87,881,000 | 4,819 |
| Average earning assets | $81,703,330 | 4,785 |
| Average equity | $25,329,670 | 2,697 |
| Average total loans | $40,723,000 | 5,078 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5835% | 4,744 |
| Cost of funding earning assets | 0.2941% | 4,508 |
| Net interest margin | 3.2894% | 4,267 |
| Noninterest income to average assets | 0.2419% | 5,241 |
| Noninterest expense to average assets | 2.9935% | 2,604 |
| Loan and lease loss provision to assets | 0.0274% | 3,337 |
| Net operating income to assets | 0.2195% | 5,630 |
| Return on assets (ROA) | 0.4655% | 4,926 |
| Pretax return on assets | 0.6024% | 4,913 |
| Return on Equity (ROE) | 1.6096% | 5,777 |
| Retained earnings to average equity (ytd only) | 1.6096% | 4,833 |
| Net charge-offs to loans | 0.0606% | 2,144 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 1,869 |
| Efficiency ratio | 90.6077% | 806 |
| Assets per employee ($millions) | 4.8707% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 4,926 |
| Loan loss allowance to noncurrent loans | 215.5914% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 4,562 |
| Noncurrent loans to loans | 0.4725% | 4,162 |
| Net loans and leases to total assets | 44.4470% | 5,320 |
| Net loans and leases to deposits | 63.5206% | 4,424 |
| Net loans and leases to core deposits | 65.3464% | 4,584 |
| Total domestic deposits to total assets | 69.9725% | 6,129 |
| Equity capital to assets | 29.0146% | 70 |
| Core capital (leverage) ratio | 28.5494% | 68 |
| Tier 1 risk-based capital ratio | 64.6226% | 94 |
| Total risk-based capital ratio | 65.6506% | 94 |
| Memoranda: | ||
| Average total assets | $87,656,500 | 4,869 |
| Average earning assets | $81,596,500 | 4,828 |
| Average equity | $25,347,500 | 2,715 |
| Average total loans | $39,605,500 | 5,152 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5753% | 5,150 |
| Cost of funding earning assets | 0.3291% | 4,502 |
| Net interest margin | 3.2462% | 4,769 |
| Noninterest income to average assets | 0.3038% | 4,943 |
| Noninterest expense to average assets | 2.4633% | 4,658 |
| Loan and lease loss provision to assets | 0.0725% | 3,030 |
| Net operating income to assets | 0.5490% | 4,602 |
| Return on assets (ROA) | 0.6450% | 4,267 |
| Pretax return on assets | 0.9239% | 3,806 |
| Return on Equity (ROE) | 2.2830% | 5,693 |
| Retained earnings to average equity (ytd only) | 2.2830% | 4,614 |
| Net charge-offs to loans | 0.0053% | 4,837 |
| Credit loss provision to net charge-offs | 3,200.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 379.0000% | 144 |
| Efficiency ratio | 74.1385% | 2,810 |
| Assets per employee ($millions) | 4.8689% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 4,995 |
| Loan loss allowance to noncurrent loans | 181.0811% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 4,537 |
| Noncurrent loans to loans | 0.5572% | 3,995 |
| Net loans and leases to total assets | 45.0023% | 5,406 |
| Net loans and leases to deposits | 64.1875% | 4,508 |
| Net loans and leases to core deposits | 66.4253% | 4,639 |
| Total domestic deposits to total assets | 70.1107% | 6,191 |
| Equity capital to assets | 28.8190% | 70 |
| Core capital (leverage) ratio | 28.6479% | 67 |
| Tier 1 risk-based capital ratio | 63.6087% | 82 |
| Total risk-based capital ratio | 64.6272% | 82 |
| Memoranda: | ||
| Average total assets | $88,215,600 | 4,888 |
| Average earning assets | $82,034,800 | 4,855 |
| Average equity | $24,923,400 | 2,668 |
| Average total loans | $38,070,400 | 5,252 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 5,135 |
| Cost of funding earning assets | 0.3278% | 4,584 |
| Net interest margin | 3.2743% | 4,698 |
| Noninterest income to average assets | 0.3033% | 5,017 |
| Noninterest expense to average assets | 2.2981% | 5,112 |
| Loan and lease loss provision to assets | 0.0875% | 2,600 |
| Net operating income to assets | 0.6970% | 3,955 |
| Return on assets (ROA) | 0.7937% | 3,558 |
| Pretax return on assets | 1.0970% | 3,197 |
| Return on Equity (ROE) | 2.8233% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.8233% | 4,594 |
| Net charge-offs to loans | 0.0071% | 4,461 |
| Credit loss provision to net charge-offs | 2,900.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 347.5581% | 202 |
| Efficiency ratio | 68.6345% | 3,742 |
| Assets per employee ($millions) | 4.8763% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 5,093 |
| Loan loss allowance to noncurrent loans | 408.2474% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 5,186 |
| Noncurrent loans to loans | 0.2517% | 5,150 |
| Net loans and leases to total assets | 43.4491% | 5,565 |
| Net loans and leases to deposits | 61.8525% | 4,751 |
| Net loans and leases to core deposits | 63.7956% | 4,897 |
| Total domestic deposits to total assets | 70.2463% | 6,274 |
| Equity capital to assets | 28.7021% | 73 |
| Core capital (leverage) ratio | 28.5563% | 66 |
| Tier 1 risk-based capital ratio | 65.3841% | 79 |
| Total risk-based capital ratio | 66.4171% | 79 |
| Memoranda: | ||
| Average total assets | $88,359,500 | 4,933 |
| Average earning assets | $82,173,250 | 4,901 |
| Average equity | $24,840,000 | 2,687 |
| Average total loans | $37,627,500 | 5,318 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6545% | 4,991 |
| Cost of funding earning assets | 0.3327% | 4,615 |
| Net interest margin | 3.3218% | 4,501 |
| Noninterest income to average assets | 0.2959% | 5,046 |
| Noninterest expense to average assets | 2.2472% | 5,295 |
| Loan and lease loss provision to assets | 0.1174% | 2,082 |
| Net operating income to assets | 0.7200% | 3,733 |
| Return on assets (ROA) | 0.8627% | 3,094 |
| Pretax return on assets | 1.2218% | 2,566 |
| Return on Equity (ROE) | 3.0903% | 5,496 |
| Retained earnings to average equity (ytd only) | 3.0903% | 4,235 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3776% | 4,301 |
| Assets per employee ($millions) | 5.2595% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 5,188 |
| Loan loss allowance to noncurrent loans | 529.7297% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 5,441 |
| Noncurrent loans to loans | 0.1952% | 5,435 |
| Net loans and leases to total assets | 41.9658% | 5,681 |
| Net loans and leases to deposits | 59.1326% | 4,937 |
| Net loans and leases to core deposits | 60.9381% | 5,060 |
| Total domestic deposits to total assets | 70.9689% | 6,314 |
| Equity capital to assets | 28.0145% | 71 |
| Core capital (leverage) ratio | 27.8724% | 69 |
| Tier 1 risk-based capital ratio | 66.2176% | 78 |
| Total risk-based capital ratio | 67.2592% | 77 |
| Memoranda: | ||
| Average total assets | $88,554,670 | 4,960 |
| Average earning assets | $82,365,000 | 4,930 |
| Average equity | $24,722,330 | 2,689 |
| Average total loans | $37,325,670 | 5,359 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4472% | 5,542 |
| Cost of funding earning assets | 0.3320% | 4,720 |
| Net interest margin | 3.1152% | 5,192 |
| Noninterest income to average assets | 0.2905% | 5,051 |
| Noninterest expense to average assets | 2.2422% | 5,349 |
| Loan and lease loss provision to assets | 0.2088% | 1,105 |
| Net operating income to assets | 0.5492% | 4,461 |
| Return on assets (ROA) | 0.8215% | 3,119 |
| Pretax return on assets | 1.0984% | 2,907 |
| Return on Equity (ROE) | 2.9479% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.9479% | 4,334 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3704% | 3,762 |
| Assets per employee ($millions) | 4.9502% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 5,331 |
| Loan loss allowance to noncurrent loans | 855.5556% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 5,651 |
| Noncurrent loans to loans | 0.1222% | 5,746 |
| Net loans and leases to total assets | 40.8875% | 5,753 |
| Net loans and leases to deposits | 57.3092% | 5,005 |
| Net loans and leases to core deposits | 59.0547% | 5,119 |
| Total domestic deposits to total assets | 71.3455% | 6,392 |
| Equity capital to assets | 27.7151% | 76 |
| Core capital (leverage) ratio | 27.7432% | 74 |
| Tier 1 risk-based capital ratio | 68.8100% | 76 |
| Total risk-based capital ratio | 69.8817% | 76 |
| Memoranda: | ||
| Average total assets | $88,126,500 | 5,017 |
| Average earning assets | $81,921,000 | 4,978 |
| Average equity | $24,559,500 | 2,687 |
| Average total loans | $37,031,500 | 5,422 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3410% | 5,928 |
| Cost of funding earning assets | 0.3724% | 4,921 |
| Net interest margin | 2.9686% | 5,647 |
| Noninterest income to average assets | 0.2598% | 5,489 |
| Noninterest expense to average assets | 2.3361% | 5,268 |
| Loan and lease loss provision to assets | 0.0681% | 3,771 |
| Net operating income to assets | 0.4573% | 4,921 |
| Return on assets (ROA) | 0.5276% | 4,731 |
| Pretax return on assets | 0.7295% | 4,418 |
| Return on Equity (ROE) | 1.8896% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.8896% | 4,890 |
| Net charge-offs to loans | 0.0610% | 4,360 |
| Credit loss provision to net charge-offs | 285.7143% | 788 |
| Earnings coverage of net charge-offs (x) | 29.3810% | 1,206 |
| Efficiency ratio | 76.9432% | 2,628 |
| Assets per employee ($millions) | 4.3575% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 5,890 |
| Loan loss allowance to noncurrent loans | 736.9565% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 5,677 |
| Noncurrent loans to loans | 0.1235% | 5,831 |
| Net loans and leases to total assets | 42.3488% | 5,803 |
| Net loans and leases to deposits | 59.3828% | 4,992 |
| Net loans and leases to core deposits | 61.2219% | 5,131 |
| Total domestic deposits to total assets | 71.3150% | 6,459 |
| Equity capital to assets | 28.0252% | 73 |
| Core capital (leverage) ratio | 27.6684% | 69 |
| Tier 1 risk-based capital ratio | 67.1484% | 76 |
| Total risk-based capital ratio | 68.0952% | 76 |
| Memoranda: | ||
| Average total assets | $88,139,800 | 5,023 |
| Average earning assets | $82,430,200 | 4,971 |
| Average equity | $24,608,800 | 2,669 |
| Average total loans | $34,448,600 | 5,563 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3040% | 6,056 |
| Cost of funding earning assets | 0.3736% | 5,059 |
| Net interest margin | 2.9304% | 5,738 |
| Noninterest income to average assets | 0.2670% | 5,541 |
| Noninterest expense to average assets | 2.2476% | 5,483 |
| Loan and lease loss provision to assets | 0.0815% | 3,431 |
| Net operating income to assets | 0.4716% | 4,922 |
| Return on assets (ROA) | 0.5612% | 4,675 |
| Pretax return on assets | 0.8131% | 4,250 |
| Return on Equity (ROE) | 2.0117% | 5,933 |
| Retained earnings to average equity (ytd only) | 2.0117% | 5,124 |
| Net charge-offs to loans | 0.0316% | 4,499 |
| Credit loss provision to net charge-offs | 675.0000% | 429 |
| Earnings coverage of net charge-offs (x) | 63.3533% | 723 |
| Efficiency ratio | 74.6119% | 2,964 |
| Assets per employee ($millions) | 4.8242% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 5,781 |
| Loan loss allowance to noncurrent loans | 439.2405% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 5,656 |
| Noncurrent loans to loans | 0.2246% | 5,673 |
| Net loans and leases to total assets | 40.0990% | 6,024 |
| Net loans and leases to deposits | 56.3905% | 5,338 |
| Net loans and leases to core deposits | 58.1428% | 5,440 |
| Total domestic deposits to total assets | 71.1096% | 6,543 |
| Equity capital to assets | 28.1396% | 68 |
| Core capital (leverage) ratio | 27.6617% | 66 |
| Tier 1 risk-based capital ratio | 70.5019% | 74 |
| Total risk-based capital ratio | 71.5204% | 74 |
| Memoranda: | ||
| Average total assets | $88,387,250 | 5,064 |
| Average earning assets | $82,807,500 | 5,002 |
| Average equity | $24,655,000 | 2,690 |
| Average total loans | $33,749,250 | 5,643 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1851% | 6,248 |
| Cost of funding earning assets | 0.3835% | 5,096 |
| Net interest margin | 2.8016% | 6,000 |
| Noninterest income to average assets | 0.3082% | 5,238 |
| Noninterest expense to average assets | 2.2563% | 5,486 |
| Loan and lease loss provision to assets | 0.0135% | 4,612 |
| Net operating income to assets | 0.4577% | 4,980 |
| Return on assets (ROA) | 0.4949% | 4,995 |
| Pretax return on assets | 0.7221% | 4,604 |
| Return on Equity (ROE) | 1.7793% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.7793% | 5,126 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7994% | 2,665 |
| Assets per employee ($millions) | 5.1775% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 6,175 |
| Loan loss allowance to noncurrent loans | 600.0000% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 5,877 |
| Noncurrent loans to loans | 0.1476% | 5,952 |
| Net loans and leases to total assets | 38.9095% | 6,119 |
| Net loans and leases to deposits | 54.5005% | 5,474 |
| Net loans and leases to core deposits | 55.8715% | 5,608 |
| Total domestic deposits to total assets | 71.3930% | 6,594 |
| Equity capital to assets | 27.7889% | 69 |
| Core capital (leverage) ratio | 27.1232% | 67 |
| Tier 1 risk-based capital ratio | 71.9608% | 66 |
| Total risk-based capital ratio | 72.8832% | 68 |
| Memoranda: | ||
| Average total assets | $88,904,670 | 5,078 |
| Average earning assets | $83,451,330 | 5,017 |
| Average equity | $24,728,330 | 2,693 |
| Average total loans | $33,276,670 | 5,701 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2711% | 6,206 |
| Cost of funding earning assets | 0.3946% | 5,159 |
| Net interest margin | 2.8765% | 5,864 |
| Noninterest income to average assets | 0.2641% | 5,571 |
| Noninterest expense to average assets | 2.2519% | 5,563 |
| Loan and lease loss provision to assets | 0.0134% | 4,284 |
| Net operating income to assets | 0.4899% | 4,724 |
| Return on assets (ROA) | 0.5641% | 4,541 |
| Pretax return on assets | 0.8148% | 4,115 |
| Return on Equity (ROE) | 2.0271% | 5,932 |
| Retained earnings to average equity (ytd only) | 2.0271% | 4,987 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7530% | 2,964 |
| Assets per employee ($millions) | 5.2505% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 6,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 6,129 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 35.4373% | 6,339 |
| Net loans and leases to deposits | 49.9329% | 5,790 |
| Net loans and leases to core deposits | 51.3115% | 5,872 |
| Total domestic deposits to total assets | 70.9699% | 6,711 |
| Equity capital to assets | 27.8683% | 72 |
| Core capital (leverage) ratio | 26.6449% | 71 |
| Tier 1 risk-based capital ratio | 81.2289% | 60 |
| Total risk-based capital ratio | 82.2637% | 61 |
| Memoranda: | ||
| Average total assets | $89,348,500 | 5,114 |
| Average earning assets | $84,129,500 | 5,041 |
| Average equity | $24,863,000 | 2,718 |
| Average total loans | $32,638,500 | 5,768 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4356% | 6,439 |
| Cost of funding earning assets | 0.5436% | 4,870 |
| Net interest margin | 2.8920% | 6,240 |
| Noninterest income to average assets | 0.3049% | 5,261 |
| Noninterest expense to average assets | 2.2551% | 5,801 |
| Loan and lease loss provision to assets | 0.0369% | 5,423 |
| Net operating income to assets | 0.5582% | 4,441 |
| Return on assets (ROA) | 0.5685% | 4,646 |
| Pretax return on assets | 0.7361% | 4,538 |
| Return on Equity (ROE) | 2.0625% | 5,878 |
| Retained earnings to average equity (ytd only) | 2.0625% | 4,773 |
| Net charge-offs to loans | 0.0627% | 5,065 |
| Credit loss provision to net charge-offs | 165.0000% | 1,618 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 916 |
| Efficiency ratio | 74.8055% | 2,931 |
| Assets per employee ($millions) | 5.2611% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 6,264 |
| Loan loss allowance to noncurrent loans | 600.0000% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 5,946 |
| Noncurrent loans to loans | 0.1500% | 6,104 |
| Net loans and leases to total assets | 36.9451% | 6,379 |
| Net loans and leases to deposits | 52.0780% | 5,798 |
| Net loans and leases to core deposits | 53.5274% | 5,912 |
| Total domestic deposits to total assets | 70.9419% | 6,746 |
| Equity capital to assets | 27.7857% | 74 |
| Core capital (leverage) ratio | 26.4507% | 80 |
| Tier 1 risk-based capital ratio | 78.6679% | 64 |
| Total risk-based capital ratio | 79.6655% | 64 |
| Memoranda: | ||
| Average total assets | $89,531,400 | 5,100 |
| Average earning assets | $83,886,000 | 5,020 |
| Average equity | $24,678,800 | 2,690 |
| Average total loans | $31,877,400 | 5,861 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4772% | 6,538 |
| Cost of funding earning assets | 0.5647% | 4,959 |
| Net interest margin | 2.9125% | 6,331 |
| Noninterest income to average assets | 0.2576% | 5,718 |
| Noninterest expense to average assets | 2.1558% | 6,048 |
| Loan and lease loss provision to assets | 0.0268% | 5,447 |
| Net operating income to assets | 0.6190% | 4,303 |
| Return on assets (ROA) | 0.6327% | 4,481 |
| Pretax return on assets | 0.8188% | 4,416 |
| Return on Equity (ROE) | 2.3001% | 5,943 |
| Retained earnings to average equity (ytd only) | 2.3001% | 5,185 |
| Net charge-offs to loans | 0.0846% | 4,540 |
| Credit loss provision to net charge-offs | 90.0000% | 3,293 |
| Earnings coverage of net charge-offs (x) | 27.7957% | 1,168 |
| Efficiency ratio | 72.2555% | 3,277 |
| Assets per employee ($millions) | 5.2354% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 6,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 5,893 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 35.3408% | 6,592 |
| Net loans and leases to deposits | 50.0231% | 6,105 |
| Net loans and leases to core deposits | 50.8068% | 6,246 |
| Total domestic deposits to total assets | 70.6490% | 6,814 |
| Equity capital to assets | 27.9870% | 76 |
| Core capital (leverage) ratio | 26.4870% | 82 |
| Tier 1 risk-based capital ratio | 78.6875% | 64 |
| Total risk-based capital ratio | 79.6388% | 63 |
| Memoranda: | ||
| Average total assets | $89,554,750 | 5,154 |
| Average earning assets | $83,820,500 | 5,080 |
| Average equity | $24,635,750 | 2,718 |
| Average total loans | $31,511,000 | 5,947 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 6,581 |
| Cost of funding earning assets | 0.5811% | 5,066 |
| Net interest margin | 2.9410% | 6,357 |
| Noninterest income to average assets | 0.2474% | 5,809 |
| Noninterest expense to average assets | 2.1930% | 6,027 |
| Loan and lease loss provision to assets | 0.0201% | 5,416 |
| Net operating income to assets | 0.6064% | 4,342 |
| Return on assets (ROA) | 0.6218% | 4,521 |
| Pretax return on assets | 0.8068% | 4,456 |
| Return on Equity (ROE) | 2.2734% | 5,956 |
| Retained earnings to average equity (ytd only) | 2.2734% | 5,055 |
| Net charge-offs to loans | 0.0382% | 4,839 |
| Credit loss provision to net charge-offs | 150.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 60.3333% | 630 |
| Efficiency ratio | 73.1055% | 3,224 |
| Assets per employee ($millions) | 5.6096% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 6,413 |
| Loan loss allowance to noncurrent loans | 214.8148% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 5,914 |
| Noncurrent loans to loans | 0.4276% | 5,678 |
| Net loans and leases to total assets | 34.8508% | 6,678 |
| Net loans and leases to deposits | 48.9775% | 6,243 |
| Net loans and leases to core deposits | 49.7305% | 6,352 |
| Total domestic deposits to total assets | 71.1567% | 6,848 |
| Equity capital to assets | 27.5431% | 76 |
| Core capital (leverage) ratio | 26.1036% | 86 |
| Tier 1 risk-based capital ratio | 76.4704% | 61 |
| Total risk-based capital ratio | 77.4137% | 61 |
| Memoranda: | ||
| Average total assets | $89,739,000 | 5,177 |
| Average earning assets | $83,984,670 | 5,100 |
| Average equity | $24,544,670 | 2,717 |
| Average total loans | $31,435,000 | 5,995 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5310% | 6,654 |
| Cost of funding earning assets | 0.5869% | 5,236 |
| Net interest margin | 2.9441% | 6,402 |
| Noninterest income to average assets | 0.2363% | 5,942 |
| Noninterest expense to average assets | 2.2467% | 5,909 |
| Loan and lease loss provision to assets | 0.0134% | 5,144 |
| Net operating income to assets | 0.5681% | 4,500 |
| Return on assets (ROA) | 0.5750% | 4,697 |
| Pretax return on assets | 0.7355% | 4,669 |
| Return on Equity (ROE) | 2.1099% | 6,040 |
| Retained earnings to average equity (ytd only) | 2.1099% | 5,215 |
| Net charge-offs to loans | 0.0765% | 3,731 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 986 |
| Efficiency ratio | 75.2239% | 2,907 |
| Assets per employee ($millions) | 5.6495% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8904% | 6,559 |
| Loan loss allowance to noncurrent loans | 208.8235% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 6,033 |
| Noncurrent loans to loans | 0.4264% | 5,815 |
| Net loans and leases to total assets | 34.9699% | 6,693 |
| Net loans and leases to deposits | 48.7861% | 6,245 |
| Net loans and leases to core deposits | 48.7861% | 6,410 |
| Total domestic deposits to total assets | 71.6800% | 6,895 |
| Equity capital to assets | 27.0953% | 73 |
| Core capital (leverage) ratio | 25.6251% | 90 |
| Tier 1 risk-based capital ratio | 72.9520% | 64 |
| Total risk-based capital ratio | 73.8465% | 63 |
| Memoranda: | ||
| Average total assets | $89,731,500 | 5,218 |
| Average earning assets | $83,828,000 | 5,148 |
| Average equity | $24,456,500 | 2,721 |
| Average total loans | $31,367,500 | 6,044 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 6,630 |
| Cost of funding earning assets | 0.7485% | 5,222 |
| Net interest margin | 3.1396% | 6,250 |
| Noninterest income to average assets | 0.1902% | 6,143 |
| Noninterest expense to average assets | 2.2170% | 6,236 |
| Loan and lease loss provision to assets | 0.0962% | 5,385 |
| Net operating income to assets | 0.5656% | 4,169 |
| Return on assets (ROA) | 0.6236% | 4,066 |
| Pretax return on assets | 0.8912% | 3,635 |
| Return on Equity (ROE) | 2.3544% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.3544% | 4,547 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0237% | 3,778 |
| Assets per employee ($millions) | 4.4536% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 6,463 |
| Loan loss allowance to noncurrent loans | 925.8065% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 6,483 |
| Noncurrent loans to loans | 0.1005% | 6,560 |
| Net loans and leases to total assets | 34.3030% | 6,853 |
| Net loans and leases to deposits | 48.1347% | 6,489 |
| Net loans and leases to core deposits | 48.8700% | 6,600 |
| Total domestic deposits to total assets | 71.2645% | 6,910 |
| Equity capital to assets | 27.4175% | 79 |
| Core capital (leverage) ratio | 26.8474% | 85 |
| Tier 1 risk-based capital ratio | 71.7046% | 65 |
| Total risk-based capital ratio | 72.5231% | 64 |
| Memoranda: | ||
| Average total assets | $90,437,800 | 5,169 |
| Average earning assets | $84,438,800 | 5,107 |
| Average equity | $23,955,200 | 2,674 |
| Average total loans | $28,814,600 | 6,210 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 6,737 |
| Cost of funding earning assets | 0.7578% | 5,420 |
| Net interest margin | 3.1380% | 6,323 |
| Noninterest income to average assets | 0.1895% | 6,238 |
| Noninterest expense to average assets | 2.1781% | 6,326 |
| Loan and lease loss provision to assets | 0.0940% | 5,289 |
| Net operating income to assets | 0.6020% | 4,078 |
| Return on assets (ROA) | 0.6771% | 3,907 |
| Pretax return on assets | 0.9547% | 3,571 |
| Return on Equity (ROE) | 2.5784% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.5784% | 4,822 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7882% | 3,989 |
| Assets per employee ($millions) | 5.2641% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 6,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 6,665 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 33.4242% | 6,979 |
| Net loans and leases to deposits | 46.7974% | 6,695 |
| Net loans and leases to core deposits | 47.5087% | 6,781 |
| Total domestic deposits to total assets | 71.4233% | 6,967 |
| Equity capital to assets | 27.2782% | 92 |
| Core capital (leverage) ratio | 26.6456% | 93 |
| Tier 1 risk-based capital ratio | 71.6747% | 77 |
| Total risk-based capital ratio | 72.4262% | 77 |
| Memoranda: | ||
| Average total assets | $90,779,500 | 5,206 |
| Average earning assets | $84,808,000 | 5,130 |
| Average equity | $23,838,750 | 2,692 |
| Average total loans | $28,308,000 | 6,291 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 6,855 |
| Cost of funding earning assets | 0.7932% | 5,423 |
| Net interest margin | 3.0671% | 6,474 |
| Noninterest income to average assets | 0.1732% | 6,423 |
| Noninterest expense to average assets | 2.2169% | 6,343 |
| Loan and lease loss provision to assets | 0.1338% | 4,628 |
| Net operating income to assets | 0.4931% | 4,529 |
| Return on assets (ROA) | 0.6052% | 4,176 |
| Pretax return on assets | 0.8442% | 3,854 |
| Return on Equity (ROE) | 2.3342% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.3342% | 4,800 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9437% | 3,550 |
| Assets per employee ($millions) | 5.3071% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 6,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 6,704 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 32.7429% | 7,085 |
| Net loans and leases to deposits | 45.2999% | 6,860 |
| Net loans and leases to core deposits | 45.9718% | 6,941 |
| Total domestic deposits to total assets | 72.2803% | 6,987 |
| Equity capital to assets | 26.6080% | 110 |
| Core capital (leverage) ratio | 26.1199% | 107 |
| Tier 1 risk-based capital ratio | 71.7540% | 81 |
| Total risk-based capital ratio | 72.5031% | 80 |
| Memoranda: | ||
| Average total assets | $91,209,670 | 5,229 |
| Average earning assets | $85,227,000 | 5,149 |
| Average equity | $23,648,000 | 2,683 |
| Average total loans | $27,685,670 | 6,381 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7336% | 7,028 |
| Cost of funding earning assets | 0.8494% | 5,275 |
| Net interest margin | 2.8842% | 6,783 |
| Noninterest income to average assets | 0.1439% | 6,693 |
| Noninterest expense to average assets | 2.1809% | 6,463 |
| Loan and lease loss provision to assets | 0.0131% | 5,750 |
| Net operating income to assets | 0.4754% | 4,595 |
| Return on assets (ROA) | 0.4754% | 4,675 |
| Pretax return on assets | 0.6456% | 4,506 |
| Return on Equity (ROE) | 1.8578% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.8578% | 5,002 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8049% | 3,014 |
| Assets per employee ($millions) | 4.5974% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7698% | 6,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 6,777 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 28.4577% | 7,282 |
| Net loans and leases to deposits | 38.7466% | 7,147 |
| Net loans and leases to core deposits | 39.2965% | 7,183 |
| Total domestic deposits to total assets | 73.4456% | 6,959 |
| Equity capital to assets | 25.6191% | 111 |
| Core capital (leverage) ratio | 25.3202% | 111 |
| Tier 1 risk-based capital ratio | 76.9692% | 71 |
| Total risk-based capital ratio | 77.5853% | 71 |
| Memoranda: | ||
| Average total assets | $91,704,000 | 5,250 |
| Average earning assets | $85,708,500 | 5,166 |
| Average equity | $23,469,000 | 2,694 |
| Average total loans | $26,627,500 | 6,494 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 6,856 |
| Cost of funding earning assets | 1.1330% | 4,947 |
| Net interest margin | 3.1175% | 6,469 |
| Noninterest income to average assets | 0.1609% | 6,566 |
| Noninterest expense to average assets | 2.2112% | 6,587 |
| Loan and lease loss provision to assets | 0.0525% | 6,631 |
| Net operating income to assets | 0.5758% | 3,776 |
| Return on assets (ROA) | 0.5758% | 3,942 |
| Pretax return on assets | 0.8067% | 3,605 |
| Return on Equity (ROE) | 2.2410% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.2410% | 4,314 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0143% | 3,791 |
| Assets per employee ($millions) | 5.0812% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7439% | 7,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 6,833 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 29.1775% | 7,376 |
| Net loans and leases to deposits | 39.7113% | 7,259 |
| Net loans and leases to core deposits | 40.4364% | 7,295 |
| Total domestic deposits to total assets | 73.4739% | 6,952 |
| Equity capital to assets | 25.5650% | 119 |
| Core capital (leverage) ratio | 25.3073% | 120 |
| Tier 1 risk-based capital ratio | 76.8871% | 66 |
| Total risk-based capital ratio | 77.4955% | 66 |
| Memoranda: | ||
| Average total assets | $91,355,000 | 5,247 |
| Average earning assets | $85,260,400 | 5,171 |
| Average equity | $23,472,000 | 2,706 |
| Average total loans | $27,904,200 | 6,500 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 6,817 |
| Cost of funding earning assets | 1.1355% | 5,222 |
| Net interest margin | 3.2657% | 6,123 |
| Noninterest income to average assets | 0.1621% | 6,704 |
| Noninterest expense to average assets | 2.1752% | 6,669 |
| Loan and lease loss provision to assets | 0.0263% | 6,804 |
| Net operating income to assets | 0.7226% | 3,311 |
| Return on assets (ROA) | 0.7226% | 3,465 |
| Pretax return on assets | 1.0088% | 3,150 |
| Return on Equity (ROE) | 2.8091% | 5,306 |
| Retained earnings to average equity (ytd only) | 2.8091% | 4,465 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7581% | 4,515 |
| Assets per employee ($millions) | 5.4159% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6090% | 7,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 6,961 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 30.1336% | 7,462 |
| Net loans and leases to deposits | 41.3701% | 7,324 |
| Net loans and leases to core deposits | 42.1264% | 7,372 |
| Total domestic deposits to total assets | 72.8391% | 7,048 |
| Equity capital to assets | 25.9107% | 125 |
| Core capital (leverage) ratio | 25.3174% | 123 |
| Tier 1 risk-based capital ratio | 76.2211% | 69 |
| Total risk-based capital ratio | 76.7255% | 69 |
| Memoranda: | ||
| Average total assets | $91,328,500 | 5,316 |
| Average earning assets | $85,247,500 | 5,222 |
| Average equity | $23,494,500 | 2,751 |
| Average total loans | $28,158,750 | 6,576 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 6,537 |
| Cost of funding earning assets | 1.1536% | 5,382 |
| Net interest margin | 3.4160% | 5,573 |
| Noninterest income to average assets | 0.1361% | 6,906 |
| Noninterest expense to average assets | 2.1849% | 6,684 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8059% | 2,945 |
| Return on assets (ROA) | 0.8059% | 3,089 |
| Pretax return on assets | 1.1374% | 2,642 |
| Return on Equity (ROE) | 3.1402% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.1402% | 4,114 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7634% | 5,026 |
| Assets per employee ($millions) | 5.3551% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5448% | 7,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 6,986 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 30.4781% | 7,521 |
| Net loans and leases to deposits | 41.8782% | 7,398 |
| Net loans and leases to core deposits | 42.4803% | 7,441 |
| Total domestic deposits to total assets | 72.7778% | 7,120 |
| Equity capital to assets | 26.0150% | 124 |
| Core capital (leverage) ratio | 25.4476% | 123 |
| Tier 1 risk-based capital ratio | 73.7410% | 77 |
| Total risk-based capital ratio | 74.1736% | 79 |
| Memoranda: | ||
| Average total assets | $91,081,330 | 5,353 |
| Average earning assets | $84,952,330 | 5,264 |
| Average equity | $23,374,000 | 2,755 |
| Average total loans | $28,240,330 | 6,616 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 6,585 |
| Cost of funding earning assets | 1.1770% | 5,524 |
| Net interest margin | 3.4132% | 5,528 |
| Noninterest income to average assets | 0.1229% | 7,069 |
| Noninterest expense to average assets | 2.2699% | 6,479 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7288% | 3,314 |
| Return on assets (ROA) | 0.7288% | 3,421 |
| Pretax return on assets | 1.0362% | 2,950 |
| Return on Equity (ROE) | 2.8597% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.8597% | 4,408 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6587% | 4,587 |
| Assets per employee ($millions) | 5.3752% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4530% | 7,636 |
| Loan loss allowance to noncurrent loans | 609.5238% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 6,938 |
| Noncurrent loans to loans | 0.0743% | 7,214 |
| Net loans and leases to total assets | 30.7842% | 7,599 |
| Net loans and leases to deposits | 42.0692% | 7,460 |
| Net loans and leases to core deposits | 42.8733% | 7,506 |
| Total domestic deposits to total assets | 73.1752% | 7,144 |
| Equity capital to assets | 25.6013% | 137 |
| Core capital (leverage) ratio | 25.0906% | 133 |
| Tier 1 risk-based capital ratio | 72.3493% | 77 |
| Total risk-based capital ratio | 72.7008% | 77 |
| Memoranda: | ||
| Average total assets | $91,104,000 | 5,420 |
| Average earning assets | $84,965,000 | 5,338 |
| Average equity | $23,219,500 | 2,804 |
| Average total loans | $28,411,500 | 6,694 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0041% | 6,419 |
| Cost of funding earning assets | 1.7790% | 4,110 |
| Net interest margin | 3.2251% | 6,008 |
| Noninterest income to average assets | 0.1373% | 7,066 |
| Noninterest expense to average assets | 2.2202% | 6,940 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6794% | 3,019 |
| Return on assets (ROA) | 0.6785% | 3,076 |
| Pretax return on assets | 0.9351% | 2,812 |
| Return on Equity (ROE) | 2.6570% | 4,642 |
| Retained earnings to average equity (ytd only) | 2.6570% | 3,289 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3387% | 4,552 |
| Assets per employee ($millions) | 5.6769% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 6,828 |
| Loan loss allowance to noncurrent loans | 948.1481% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 7,303 |
| Noncurrent loans to loans | 0.0945% | 7,176 |
| Net loans and leases to total assets | 31.1670% | 7,683 |
| Net loans and leases to deposits | 42.3768% | 7,562 |
| Net loans and leases to core deposits | 49.8784% | 7,591 |
| Total domestic deposits to total assets | 73.5473% | 7,081 |
| Equity capital to assets | 25.3716% | 156 |
| Core capital (leverage) ratio | 24.9817% | 154 |
| Tier 1 risk-based capital ratio | 71.4104% | 87 |
| Total risk-based capital ratio | 72.1666% | 86 |
| Memoranda: | ||
| Average total assets | $88,867,600 | 5,425 |
| Average earning assets | $83,192,400 | 5,356 |
| Average equity | $22,694,800 | 2,864 |
| Average total loans | $29,795,400 | 6,636 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 6,390 |
| Cost of funding earning assets | 1.8308% | 4,228 |
| Net interest margin | 3.2365% | 5,890 |
| Noninterest income to average assets | 0.1328% | 7,214 |
| Noninterest expense to average assets | 2.0804% | 7,224 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7765% | 2,912 |
| Return on assets (ROA) | 0.7755% | 2,977 |
| Pretax return on assets | 1.0832% | 2,633 |
| Return on Equity (ROE) | 3.0314% | 4,779 |
| Retained earnings to average equity (ytd only) | 3.0314% | 3,632 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7293% | 5,419 |
| Assets per employee ($millions) | 5.7344% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 7,143 |
| Loan loss allowance to noncurrent loans | 221.6981% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 7,262 |
| Noncurrent loans to loans | 0.3581% | 6,637 |
| Net loans and leases to total assets | 32.0051% | 7,753 |
| Net loans and leases to deposits | 43.4702% | 7,639 |
| Net loans and leases to core deposits | 52.9815% | 7,627 |
| Total domestic deposits to total assets | 73.6254% | 7,011 |
| Equity capital to assets | 25.2063% | 171 |
| Core capital (leverage) ratio | 24.7001% | 176 |
| Tier 1 risk-based capital ratio | 70.4108% | 90 |
| Total risk-based capital ratio | 71.0934% | 90 |
| Memoranda: | ||
| Average total assets | $88,377,000 | 5,471 |
| Average earning assets | $82,802,750 | 5,402 |
| Average equity | $22,607,250 | 2,901 |
| Average total loans | $30,103,000 | 6,673 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1922% | 6,106 |
| Cost of funding earning assets | 1.8932% | 4,299 |
| Net interest margin | 3.2990% | 5,556 |
| Noninterest income to average assets | 0.1284% | 7,325 |
| Noninterest expense to average assets | 2.1753% | 7,110 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7518% | 3,036 |
| Return on assets (ROA) | 0.7518% | 3,141 |
| Pretax return on assets | 1.0407% | 2,841 |
| Return on Equity (ROE) | 2.9241% | 4,930 |
| Retained earnings to average equity (ytd only) | 2.9241% | 3,702 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6408% | 5,225 |
| Assets per employee ($millions) | 5.5925% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 7,353 |
| Loan loss allowance to noncurrent loans | 358.0645% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 7,413 |
| Noncurrent loans to loans | 0.2048% | 6,998 |
| Net loans and leases to total assets | 33.5840% | 7,789 |
| Net loans and leases to deposits | 45.4664% | 7,656 |
| Net loans and leases to core deposits | 53.3614% | 7,675 |
| Total domestic deposits to total assets | 73.8657% | 6,966 |
| Equity capital to assets | 25.2190% | 198 |
| Core capital (leverage) ratio | 24.9643% | 208 |
| Tier 1 risk-based capital ratio | 69.5959% | 106 |
| Total risk-based capital ratio | 70.2354% | 106 |
| Memoranda: | ||
| Average total assets | $87,252,330 | 5,546 |
| Average earning assets | $81,661,000 | 5,481 |
| Average equity | $22,434,000 | 2,924 |
| Average total loans | $30,270,670 | 6,720 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3302% | 5,755 |
| Cost of funding earning assets | 1.9306% | 4,486 |
| Net interest margin | 3.3996% | 5,142 |
| Noninterest income to average assets | 0.1161% | 7,448 |
| Noninterest expense to average assets | 2.1686% | 6,956 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8312% | 2,986 |
| Return on assets (ROA) | 0.8312% | 3,135 |
| Pretax return on assets | 1.1284% | 2,880 |
| Return on Equity (ROE) | 3.2010% | 5,278 |
| Retained earnings to average equity (ytd only) | 3.2010% | 4,092 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7746% | 5,370 |
| Assets per employee ($millions) | 5.5222% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7300% | 7,358 |
| Loan loss allowance to noncurrent loans | 912.5000% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 7,539 |
| Noncurrent loans to loans | 0.0800% | 7,294 |
| Net loans and leases to total assets | 33.7038% | 7,815 |
| Net loans and leases to deposits | 45.9212% | 7,666 |
| Net loans and leases to core deposits | 53.7372% | 7,684 |
| Total domestic deposits to total assets | 73.3948% | 6,981 |
| Equity capital to assets | 25.5175% | 215 |
| Core capital (leverage) ratio | 25.1704% | 227 |
| Tier 1 risk-based capital ratio | 70.4248% | 107 |
| Total risk-based capital ratio | 71.0668% | 107 |
| Memoranda: | ||
| Average total assets | $86,138,500 | 5,600 |
| Average earning assets | $80,597,500 | 5,531 |
| Average equity | $22,368,000 | 2,933 |
| Average total loans | $30,269,500 | 6,747 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6195% | 7,012 |
| Cost of funding earning assets | 2.3709% | 4,848 |
| Net interest margin | 3.2487% | 6,217 |
| Noninterest income to average assets | 0.3842% | 5,603 |
| Noninterest expense to average assets | 2.1778% | 7,023 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8620% | 3,163 |
| Return on assets (ROA) | 0.8620% | 3,014 |
| Pretax return on assets | 1.2234% | 2,571 |
| Return on Equity (ROE) | 3.3198% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.3198% | 3,080 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0311% | 5,549 |
| Assets per employee ($millions) | 5.2451% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6843% | 7,469 |
| Loan loss allowance to noncurrent loans | 2,985.7143% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 7,418 |
| Noncurrent loans to loans | 0.0229% | 7,427 |
| Net loans and leases to total assets | 36.1431% | 7,826 |
| Net loans and leases to deposits | 49.8480% | 7,633 |
| Net loans and leases to core deposits | 57.2518% | 7,697 |
| Total domestic deposits to total assets | 72.5066% | 6,913 |
| Equity capital to assets | 26.4412% | 234 |
| Core capital (leverage) ratio | 26.2123% | 240 |
| Tier 1 risk-based capital ratio | 71.0213% | 115 |
| Total risk-based capital ratio | 71.6415% | 118 |
| Memoranda: | ||
| Average total assets | $83,295,200 | 5,587 |
| Average earning assets | $77,355,200 | 5,536 |
| Average equity | $21,628,000 | 3,024 |
| Average total loans | $29,960,600 | 6,711 |