Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 912 |
| Cost of funding earning assets | 0.5458% | 1,927 |
| Net interest margin | 4.2624% | 1,017 |
| Noninterest income to average assets | 0.2673% | 4,596 |
| Noninterest expense to average assets | 3.4539% | 1,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8307% | 3,385 |
| Return on assets (ROA) | 0.8508% | 3,321 |
| Pretax return on assets | 0.8470% | 4,218 |
| Return on Equity (ROE) | 5.3330% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.3330% | 2,660 |
| Net charge-offs to loans | 0.1309% | 1,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 7.7961% | 2,838 |
| Efficiency ratio | 80.6839% | 1,025 |
| Assets per employee ($millions) | 4.4695% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1893% | 35 |
| Loan loss allowance to noncurrent loans | 98.4209% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 5.1808% | 96 |
| Noncurrent loans to loans | 5.2726% | 142 |
| Net loans and leases to total assets | 77.4985% | 1,349 |
| Net loans and leases to deposits | 94.1546% | 1,287 |
| Net loans and leases to core deposits | 98.1626% | 1,872 |
| Total domestic deposits to total assets | 82.3098% | 3,683 |
| Equity capital to assets | 17.3776% | 388 |
| Core capital (leverage) ratio | 17.0275% | 382 |
| Tier 1 risk-based capital ratio | 21.1832% | 1,167 |
| Total risk-based capital ratio | 22.4814% | 1,141 |
| Memoranda: | ||
| Average total assets | $456,322,000 | 1,537 |
| Average earning assets | $429,672,500 | 1,519 |
| Average equity | $72,803,250 | 1,101 |
| Average total loans | $369,763,750 | 1,328 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6339% | 1,191 |
| Cost of funding earning assets | 0.5374% | 1,860 |
| Net interest margin | 4.0965% | 1,332 |
| Noninterest income to average assets | 0.2523% | 4,729 |
| Noninterest expense to average assets | 3.4559% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6648% | 4,000 |
| Return on assets (ROA) | 0.6944% | 3,939 |
| Pretax return on assets | 0.6880% | 4,585 |
| Return on Equity (ROE) | 4.4754% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.4754% | 3,049 |
| Net charge-offs to loans | -0.2090% | 5,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9983% | 847 |
| Assets per employee ($millions) | 4.0040% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1876% | 37 |
| Loan loss allowance to noncurrent loans | 99.9789% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 5.1349% | 95 |
| Noncurrent loans to loans | 5.1887% | 137 |
| Net loans and leases to total assets | 77.9556% | 1,256 |
| Net loans and leases to deposits | 93.7113% | 1,290 |
| Net loans and leases to core deposits | 97.9241% | 1,816 |
| Total domestic deposits to total assets | 83.1870% | 3,508 |
| Equity capital to assets | 16.4892% | 476 |
| Core capital (leverage) ratio | 16.1535% | 456 |
| Tier 1 risk-based capital ratio | 20.0985% | 1,354 |
| Total risk-based capital ratio | 21.3969% | 1,310 |
| Memoranda: | ||
| Average total assets | $465,406,330 | 1,504 |
| Average earning assets | $438,763,000 | 1,488 |
| Average equity | $72,217,000 | 1,109 |
| Average total loans | $376,111,000 | 1,311 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5702% | 1,212 |
| Cost of funding earning assets | 0.5334% | 1,840 |
| Net interest margin | 4.0368% | 1,380 |
| Noninterest income to average assets | 0.2387% | 4,832 |
| Noninterest expense to average assets | 3.3512% | 1,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6877% | 3,758 |
| Return on assets (ROA) | 0.7035% | 3,729 |
| Pretax return on assets | 0.7136% | 4,411 |
| Return on Equity (ROE) | 4.6706% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.6706% | 3,076 |
| Net charge-offs to loans | -0.5327% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7694% | 1,089 |
| Assets per employee ($millions) | 3.9424% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1165% | 42 |
| Loan loss allowance to noncurrent loans | 75.4729% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 6.1469% | 78 |
| Noncurrent loans to loans | 6.7792% | 83 |
| Net loans and leases to total assets | 74.7617% | 1,619 |
| Net loans and leases to deposits | 88.5213% | 1,728 |
| Net loans and leases to core deposits | 92.0927% | 2,156 |
| Total domestic deposits to total assets | 84.4562% | 3,308 |
| Equity capital to assets | 15.2551% | 605 |
| Core capital (leverage) ratio | 15.4038% | 539 |
| Tier 1 risk-based capital ratio | 19.2009% | 1,562 |
| Total risk-based capital ratio | 20.4976% | 1,519 |
| Memoranda: | ||
| Average total assets | $475,885,000 | 1,488 |
| Average earning assets | $449,167,000 | 1,457 |
| Average equity | $71,682,500 | 1,112 |
| Average total loans | $381,451,500 | 1,298 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6680% | 1,122 |
| Cost of funding earning assets | 0.5346% | 1,833 |
| Net interest margin | 4.1334% | 1,294 |
| Noninterest income to average assets | 0.2141% | 5,134 |
| Noninterest expense to average assets | 3.3789% | 1,406 |
| Loan and lease loss provision to assets | 2.0572% | 36 |
| Net operating income to assets | -1.3186% | 5,853 |
| Return on assets (ROA) | -1.2711% | 5,849 |
| Pretax return on assets | -1.2711% | 5,844 |
| Return on Equity (ROE) | -8.4116% | 5,825 |
| Retained earnings to average equity (ytd only) | -8.4154% | 5,763 |
| Net charge-offs to loans | 2.4936% | 49 |
| Credit loss provision to net charge-offs | 102.0111% | 2,523 |
| Earnings coverage of net charge-offs (x) | 0.3663% | 4,108 |
| Efficiency ratio | 82.0613% | 1,196 |
| Assets per employee ($millions) | 4.0567% | 3,857 |
| Cash dividends to net income (ytd only)* | -0.0462% | 5,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7580% | 47 |
| Loan loss allowance to noncurrent loans | 70.6274% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 6.3135% | 84 |
| Noncurrent loans to loans | 6.7367% | 79 |
| Net loans and leases to total assets | 77.6255% | 1,262 |
| Net loans and leases to deposits | 91.6213% | 1,500 |
| Net loans and leases to core deposits | 103.3401% | 1,338 |
| Total domestic deposits to total assets | 84.7243% | 3,163 |
| Equity capital to assets | 14.8732% | 663 |
| Core capital (leverage) ratio | 14.6966% | 652 |
| Tier 1 risk-based capital ratio | 18.1813% | 1,805 |
| Total risk-based capital ratio | 19.4738% | 1,752 |
| Memoranda: | ||
| Average total assets | $510,404,600 | 1,344 |
| Average earning assets | $482,003,600 | 1,315 |
| Average equity | $77,132,000 | 1,032 |
| Average total loans | $412,768,800 | 1,173 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 1,173 |
| Cost of funding earning assets | 0.5328% | 1,855 |
| Net interest margin | 4.1229% | 1,333 |
| Noninterest income to average assets | 0.1968% | 5,285 |
| Noninterest expense to average assets | 3.4937% | 1,160 |
| Loan and lease loss provision to assets | 1.4148% | 64 |
| Net operating income to assets | -0.8159% | 5,892 |
| Return on assets (ROA) | -0.7539% | 5,892 |
| Pretax return on assets | -0.7539% | 5,885 |
| Return on Equity (ROE) | -4.9709% | 5,863 |
| Retained earnings to average equity (ytd only) | -4.9760% | 5,738 |
| Net charge-offs to loans | 1.0222% | 165 |
| Credit loss provision to net charge-offs | 171.4464% | 1,625 |
| Earnings coverage of net charge-offs (x) | 0.7257% | 3,769 |
| Efficiency ratio | 85.3677% | 872 |
| Assets per employee ($millions) | 4.1032% | 3,782 |
| Cash dividends to net income (ytd only)* | -0.1024% | 5,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1131% | 41 |
| Loan loss allowance to noncurrent loans | 57.7954% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 8.0101% | 57 |
| Noncurrent loans to loans | 8.8469% | 48 |
| Net loans and leases to total assets | 77.8210% | 1,228 |
| Net loans and leases to deposits | 92.4554% | 1,435 |
| Net loans and leases to core deposits | 103.8471% | 1,354 |
| Total domestic deposits to total assets | 84.1714% | 3,158 |
| Equity capital to assets | 15.4691% | 633 |
| Core capital (leverage) ratio | 14.9416% | 647 |
| Tier 1 risk-based capital ratio | 18.3571% | 1,817 |
| Total risk-based capital ratio | 19.6536% | 1,771 |
| Memoranda: | ||
| Average total assets | $518,333,750 | 1,326 |
| Average earning assets | $489,771,250 | 1,301 |
| Average equity | $78,616,000 | 1,013 |
| Average total loans | $418,424,250 | 1,167 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 1,096 |
| Cost of funding earning assets | 0.5278% | 1,885 |
| Net interest margin | 4.1505% | 1,227 |
| Noninterest income to average assets | 0.1807% | 5,411 |
| Noninterest expense to average assets | 3.3739% | 1,421 |
| Loan and lease loss provision to assets | 0.3795% | 410 |
| Net operating income to assets | 0.3488% | 5,185 |
| Return on assets (ROA) | 0.3939% | 5,131 |
| Pretax return on assets | 0.3939% | 5,351 |
| Return on Equity (ROE) | 2.6135% | 5,362 |
| Retained earnings to average equity (ytd only) | 2.6060% | 4,237 |
| Net charge-offs to loans | 0.1451% | 1,456 |
| Credit loss provision to net charge-offs | 325.7329% | 909 |
| Earnings coverage of net charge-offs (x) | 6.2508% | 2,767 |
| Efficiency ratio | 82.2463% | 1,243 |
| Assets per employee ($millions) | 4.1823% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.2890% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5806% | 53 |
| Loan loss allowance to noncurrent loans | 69.5549% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 6.0708% | 104 |
| Noncurrent loans to loans | 6.5856% | 103 |
| Net loans and leases to total assets | 77.1370% | 1,310 |
| Net loans and leases to deposits | 91.7827% | 1,540 |
| Net loans and leases to core deposits | 105.1773% | 1,241 |
| Total domestic deposits to total assets | 84.0431% | 3,248 |
| Equity capital to assets | 15.6358% | 599 |
| Core capital (leverage) ratio | 15.2712% | 560 |
| Tier 1 risk-based capital ratio | 18.3659% | 1,835 |
| Total risk-based capital ratio | 19.6549% | 1,786 |
| Memoranda: | ||
| Average total assets | $526,985,000 | 1,317 |
| Average earning assets | $497,921,330 | 1,288 |
| Average equity | $79,432,330 | 1,000 |
| Average total loans | $423,291,330 | 1,152 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 1,419 |
| Cost of funding earning assets | 0.5178% | 1,961 |
| Net interest margin | 4.0139% | 1,571 |
| Noninterest income to average assets | 0.2453% | 4,982 |
| Noninterest expense to average assets | 3.4377% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5986% | 4,182 |
| Return on assets (ROA) | 0.6878% | 3,887 |
| Pretax return on assets | 0.6878% | 4,563 |
| Return on Equity (ROE) | 4.6471% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.6319% | 3,162 |
| Net charge-offs to loans | 0.2005% | 993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.7290% | 2,506 |
| Efficiency ratio | 84.9842% | 1,065 |
| Assets per employee ($millions) | 4.2360% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.3272% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2700% | 77 |
| Loan loss allowance to noncurrent loans | 55.6077% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 6.9808% | 89 |
| Noncurrent loans to loans | 7.6787% | 78 |
| Net loans and leases to total assets | 77.4333% | 1,181 |
| Net loans and leases to deposits | 91.5146% | 1,403 |
| Net loans and leases to core deposits | 107.4328% | 995 |
| Total domestic deposits to total assets | 84.6130% | 3,274 |
| Equity capital to assets | 15.1048% | 670 |
| Core capital (leverage) ratio | 14.7413% | 657 |
| Tier 1 risk-based capital ratio | 17.8099% | 2,035 |
| Total risk-based capital ratio | 19.0948% | 1,990 |
| Memoranda: | ||
| Average total assets | $533,263,000 | 1,304 |
| Average earning assets | $503,650,000 | 1,278 |
| Average equity | $78,931,000 | 1,005 |
| Average total loans | $427,005,000 | 1,141 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 801 |
| Cost of funding earning assets | 0.5269% | 1,949 |
| Net interest margin | 4.3532% | 871 |
| Noninterest income to average assets | 1.4783% | 567 |
| Noninterest expense to average assets | 3.5274% | 1,248 |
| Loan and lease loss provision to assets | 0.5854% | 185 |
| Net operating income to assets | 1.3377% | 1,182 |
| Return on assets (ROA) | 1.3537% | 1,178 |
| Pretax return on assets | 1.3652% | 2,050 |
| Return on Equity (ROE) | 10.0048% | 2,006 |
| Retained earnings to average equity (ytd only) | 3.0497% | 3,887 |
| Net charge-offs to loans | 1.0130% | 200 |
| Credit loss provision to net charge-offs | 74.5935% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.4650% | 3,901 |
| Efficiency ratio | 62.6610% | 4,502 |
| Assets per employee ($millions) | 4.5249% | 3,000 |
| Cash dividends to net income (ytd only)* | 69.5181% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2774% | 70 |
| Loan loss allowance to noncurrent loans | 56.4418% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 6.8785% | 105 |
| Noncurrent loans to loans | 7.5785% | 83 |
| Net loans and leases to total assets | 75.0259% | 1,568 |
| Net loans and leases to deposits | 90.9059% | 1,515 |
| Net loans and leases to core deposits | 111.9100% | 779 |
| Total domestic deposits to total assets | 82.5315% | 4,010 |
| Equity capital to assets | 15.4843% | 597 |
| Core capital (leverage) ratio | 14.3745% | 739 |
| Tier 1 risk-based capital ratio | 17.2340% | 2,207 |
| Total risk-based capital ratio | 18.5182% | 2,150 |
| Memoranda: | ||
| Average total assets | $626,952,400 | 1,091 |
| Average earning assets | $573,721,600 | 1,083 |
| Average equity | $84,829,000 | 899 |
| Average total loans | $485,674,600 | 959 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9100% | 751 |
| Cost of funding earning assets | 0.5285% | 1,977 |
| Net interest margin | 4.3815% | 827 |
| Noninterest income to average assets | 1.9222% | 382 |
| Noninterest expense to average assets | 3.2443% | 1,836 |
| Loan and lease loss provision to assets | 0.1484% | 1,471 |
| Net operating income to assets | 2.3790% | 191 |
| Return on assets (ROA) | 2.3986% | 192 |
| Pretax return on assets | 2.5443% | 224 |
| Return on Equity (ROE) | 18.2862% | 384 |
| Retained earnings to average equity (ytd only) | 9.0142% | 900 |
| Net charge-offs to loans | 0.6872% | 314 |
| Credit loss provision to net charge-offs | 27.9503% | 3,293 |
| Earnings coverage of net charge-offs (x) | 5.0318% | 3,259 |
| Efficiency ratio | 52.5800% | 5,611 |
| Assets per employee ($millions) | 4.5893% | 2,852 |
| Cash dividends to net income (ytd only)* | 50.7047% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0541% | 90 |
| Loan loss allowance to noncurrent loans | 49.9522% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 8.0587% | 81 |
| Noncurrent loans to loans | 8.1160% | 67 |
| Net loans and leases to total assets | 75.0279% | 1,542 |
| Net loans and leases to deposits | 89.4072% | 1,723 |
| Net loans and leases to core deposits | 111.7699% | 777 |
| Total domestic deposits to total assets | 83.9171% | 3,462 |
| Equity capital to assets | 15.6232% | 627 |
| Core capital (leverage) ratio | 14.2006% | 810 |
| Tier 1 risk-based capital ratio | 17.3369% | 2,243 |
| Total risk-based capital ratio | 18.6178% | 2,180 |
| Memoranda: | ||
| Average total assets | $646,811,500 | 1,065 |
| Average earning assets | $589,613,000 | 1,070 |
| Average equity | $84,841,500 | 905 |
| Average total loans | $499,809,500 | 938 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 1,220 |
| Cost of funding earning assets | 0.5228% | 2,047 |
| Net interest margin | 4.1036% | 1,340 |
| Noninterest income to average assets | 2.6902% | 246 |
| Noninterest expense to average assets | 3.2928% | 1,728 |
| Loan and lease loss provision to assets | 0.0947% | 2,234 |
| Net operating income to assets | 2.8861% | 101 |
| Return on assets (ROA) | 2.9145% | 101 |
| Pretax return on assets | 3.0539% | 130 |
| Return on Equity (ROE) | 23.4576% | 148 |
| Retained earnings to average equity (ytd only) | 9.4040% | 799 |
| Net charge-offs to loans | 0.2037% | 1,240 |
| Credit loss provision to net charge-offs | 60.3774% | 2,589 |
| Earnings coverage of net charge-offs (x) | 19.8830% | 1,734 |
| Efficiency ratio | 48.4121% | 5,939 |
| Assets per employee ($millions) | 4.8867% | 2,416 |
| Cash dividends to net income (ytd only)* | 59.9106% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2496% | 87 |
| Loan loss allowance to noncurrent loans | 41.5101% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 9.2432% | 72 |
| Noncurrent loans to loans | 10.2376% | 48 |
| Net loans and leases to total assets | 72.1213% | 1,955 |
| Net loans and leases to deposits | 88.7947% | 1,746 |
| Net loans and leases to core deposits | 116.0414% | 590 |
| Total domestic deposits to total assets | 81.2225% | 4,540 |
| Equity capital to assets | 13.9337% | 999 |
| Core capital (leverage) ratio | 12.9687% | 1,182 |
| Tier 1 risk-based capital ratio | 15.3484% | 3,179 |
| Total risk-based capital ratio | 16.6289% | 3,105 |
| Memoranda: | ||
| Average total assets | $675,784,330 | 1,031 |
| Average earning assets | $612,830,000 | 1,038 |
| Average equity | $83,964,330 | 912 |
| Average total loans | $520,470,670 | 909 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 1,585 |
| Cost of funding earning assets | 0.5169% | 2,138 |
| Net interest margin | 3.9421% | 1,735 |
| Noninterest income to average assets | 5.0271% | 125 |
| Noninterest expense to average assets | 3.4861% | 1,345 |
| Loan and lease loss provision to assets | 0.1801% | 1,067 |
| Net operating income to assets | 4.9562% | 44 |
| Return on assets (ROA) | 5.0131% | 45 |
| Pretax return on assets | 5.0232% | 58 |
| Return on Equity (ROE) | 42.5505% | 32 |
| Retained earnings to average equity (ytd only) | 14.3650% | 332 |
| Net charge-offs to loans | 0.2396% | 994 |
| Credit loss provision to net charge-offs | 96.6767% | 1,701 |
| Earnings coverage of net charge-offs (x) | 27.6254% | 1,201 |
| Efficiency ratio | 36.2890% | 6,326 |
| Assets per employee ($millions) | 5.1477% | 2,172 |
| Cash dividends to net income (ytd only)* | 66.2400% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0440% | 120 |
| Loan loss allowance to noncurrent loans | 46.8119% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 8.2615% | 92 |
| Noncurrent loans to loans | 8.6387% | 82 |
| Net loans and leases to total assets | 73.4337% | 1,579 |
| Net loans and leases to deposits | 91.5659% | 1,236 |
| Net loans and leases to core deposits | 123.6832% | 333 |
| Total domestic deposits to total assets | 80.1977% | 5,011 |
| Equity capital to assets | 13.4599% | 1,186 |
| Core capital (leverage) ratio | 11.1424% | 2,276 |
| Tier 1 risk-based capital ratio | 14.7807% | 3,556 |
| Total risk-based capital ratio | 16.0603% | 3,470 |
| Memoranda: | ||
| Average total assets | $710,701,500 | 973 |
| Average earning assets | $650,006,500 | 987 |
| Average equity | $83,731,000 | 913 |
| Average total loans | $552,498,500 | 849 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1144% | 612 |
| Cost of funding earning assets | 0.5066% | 2,603 |
| Net interest margin | 4.6078% | 611 |
| Noninterest income to average assets | 0.1411% | 5,992 |
| Noninterest expense to average assets | 2.7572% | 3,649 |
| Loan and lease loss provision to assets | 1.0162% | 106 |
| Net operating income to assets | 0.6951% | 3,917 |
| Return on assets (ROA) | 0.6951% | 4,037 |
| Pretax return on assets | 0.7041% | 4,613 |
| Return on Equity (ROE) | 6.2818% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.2818% | 1,763 |
| Net charge-offs to loans | 1.3834% | 182 |
| Credit loss provision to net charge-offs | 84.7503% | 2,764 |
| Earnings coverage of net charge-offs (x) | 1.4347% | 4,419 |
| Efficiency ratio | 61.4611% | 4,996 |
| Assets per employee ($millions) | 5.5191% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 946 |
| Loan loss allowance to noncurrent loans | 34.7695% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 5.5849% | 223 |
| Noncurrent loans to loans | 6.0440% | 186 |
| Net loans and leases to total assets | 76.8238% | 1,155 |
| Net loans and leases to deposits | 86.7967% | 1,872 |
| Net loans and leases to core deposits | 120.5309% | 400 |
| Total domestic deposits to total assets | 88.5100% | 1,523 |
| Equity capital to assets | 11.1663% | 2,734 |
| Core capital (leverage) ratio | 10.5133% | 2,928 |
| Tier 1 risk-based capital ratio | 13.1024% | 4,653 |
| Total risk-based capital ratio | 13.9396% | 4,841 |
| Memoranda: | ||
| Average total assets | $779,840,600 | 870 |
| Average earning assets | $733,923,400 | 837 |
| Average equity | $86,297,000 | 857 |
| Average total loans | $675,951,800 | 641 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 615 |
| Cost of funding earning assets | 0.5033% | 2,723 |
| Net interest margin | 4.6174% | 593 |
| Noninterest income to average assets | 0.1610% | 5,950 |
| Noninterest expense to average assets | 2.6732% | 3,928 |
| Loan and lease loss provision to assets | 1.5848% | 52 |
| Net operating income to assets | 0.2393% | 5,757 |
| Return on assets (ROA) | 0.2393% | 5,816 |
| Pretax return on assets | 0.2493% | 5,865 |
| Return on Equity (ROE) | 2.1676% | 5,801 |
| Retained earnings to average equity (ytd only) | 2.1676% | 4,975 |
| Net charge-offs to loans | 0.6662% | 529 |
| Credit loss provision to net charge-offs | 267.9349% | 997 |
| Earnings coverage of net charge-offs (x) | 3.1008% | 3,742 |
| Efficiency ratio | 59.1912% | 5,287 |
| Assets per employee ($millions) | 5.3009% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0488% | 349 |
| Loan loss allowance to noncurrent loans | 48.3989% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 6.6767% | 189 |
| Noncurrent loans to loans | 6.2993% | 208 |
| Net loans and leases to total assets | 83.4678% | 368 |
| Net loans and leases to deposits | 94.0293% | 1,039 |
| Net loans and leases to core deposits | 130.0290% | 234 |
| Total domestic deposits to total assets | 88.7679% | 1,369 |
| Equity capital to assets | 10.9001% | 3,069 |
| Core capital (leverage) ratio | 10.0537% | 3,595 |
| Tier 1 risk-based capital ratio | 12.0394% | 5,458 |
| Total risk-based capital ratio | 13.3128% | 5,361 |
| Memoranda: | ||
| Average total assets | $776,114,500 | 878 |
| Average earning assets | $730,557,000 | 845 |
| Average equity | $85,685,250 | 864 |
| Average total loans | $689,025,000 | 623 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1752% | 530 |
| Cost of funding earning assets | 0.4941% | 2,892 |
| Net interest margin | 4.6810% | 508 |
| Noninterest income to average assets | 0.1975% | 5,780 |
| Noninterest expense to average assets | 2.5969% | 4,249 |
| Loan and lease loss provision to assets | 0.8076% | 150 |
| Net operating income to assets | 1.1964% | 1,602 |
| Return on assets (ROA) | 1.1964% | 1,668 |
| Pretax return on assets | 1.2072% | 2,642 |
| Return on Equity (ROE) | 10.7910% | 1,809 |
| Retained earnings to average equity (ytd only) | 10.7910% | 568 |
| Net charge-offs to loans | 0.7663% | 498 |
| Credit loss provision to net charge-offs | 117.5347% | 1,741 |
| Earnings coverage of net charge-offs (x) | 2.9322% | 3,426 |
| Efficiency ratio | 56.1938% | 5,730 |
| Assets per employee ($millions) | 5.6542% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1878% | 1,046 |
| Loan loss allowance to noncurrent loans | 44.6190% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 5.3088% | 322 |
| Noncurrent loans to loans | 4.9032% | 412 |
| Net loans and leases to total assets | 85.9484% | 179 |
| Net loans and leases to deposits | 97.8267% | 682 |
| Net loans and leases to core deposits | 134.7477% | 181 |
| Total domestic deposits to total assets | 87.8579% | 1,994 |
| Equity capital to assets | 11.2769% | 2,634 |
| Core capital (leverage) ratio | 10.5308% | 2,908 |
| Tier 1 risk-based capital ratio | 12.2393% | 5,389 |
| Total risk-based capital ratio | 13.5020% | 5,306 |
| Memoranda: | ||
| Average total assets | $776,842,000 | 872 |
| Average earning assets | $732,576,000 | 841 |
| Average equity | $86,127,330 | 857 |
| Average total loans | $696,600,670 | 619 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1864% | 500 |
| Cost of funding earning assets | 0.4863% | 3,050 |
| Net interest margin | 4.7001% | 471 |
| Noninterest income to average assets | 0.1337% | 6,181 |
| Noninterest expense to average assets | 2.4729% | 4,704 |
| Loan and lease loss provision to assets | 0.1393% | 1,746 |
| Net operating income to assets | 1.9543% | 367 |
| Return on assets (ROA) | 1.9543% | 383 |
| Pretax return on assets | 1.9651% | 574 |
| Return on Equity (ROE) | 17.7803% | 455 |
| Retained earnings to average equity (ytd only) | 17.7803% | 189 |
| Net charge-offs to loans | 0.1333% | 1,913 |
| Credit loss provision to net charge-offs | 115.3846% | 1,494 |
| Earnings coverage of net charge-offs (x) | 17.4274% | 1,460 |
| Efficiency ratio | 53.9121% | 6,016 |
| Assets per employee ($millions) | 5.5920% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0883% | 1,349 |
| Loan loss allowance to noncurrent loans | 48.6736% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 4.0708% | 568 |
| Noncurrent loans to loans | 4.2904% | 600 |
| Net loans and leases to total assets | 88.5099% | 71 |
| Net loans and leases to deposits | 100.1513% | 429 |
| Net loans and leases to core deposits | 138.7147% | 132 |
| Total domestic deposits to total assets | 88.3762% | 2,005 |
| Equity capital to assets | 11.2953% | 2,435 |
| Core capital (leverage) ratio | 10.4242% | 3,021 |
| Tier 1 risk-based capital ratio | 12.3847% | 5,381 |
| Total risk-based capital ratio | 13.6470% | 5,308 |
| Memoranda: | ||
| Average total assets | $775,125,500 | 877 |
| Average earning assets | $732,837,000 | 845 |
| Average equity | $85,195,500 | 863 |
| Average total loans | $702,084,000 | 618 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3447% | 487 |
| Cost of funding earning assets | 0.5901% | 2,756 |
| Net interest margin | 4.7545% | 471 |
| Noninterest income to average assets | 0.1037% | 6,375 |
| Noninterest expense to average assets | 2.3739% | 5,146 |
| Loan and lease loss provision to assets | 1.6637% | 69 |
| Net operating income to assets | 0.5425% | 4,545 |
| Return on assets (ROA) | 0.5428% | 4,665 |
| Pretax return on assets | 0.5508% | 5,044 |
| Return on Equity (ROE) | 4.8396% | 4,697 |
| Retained earnings to average equity (ytd only) | -8.5995% | 6,507 |
| Net charge-offs to loans | 1.0153% | 567 |
| Credit loss provision to net charge-offs | 182.6814% | 1,260 |
| Earnings coverage of net charge-offs (x) | 2.4314% | 4,198 |
| Efficiency ratio | 51.6269% | 6,325 |
| Assets per employee ($millions) | 5.6417% | 1,523 |
| Cash dividends to net income (ytd only)* | 277.6902% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0567% | 1,432 |
| Loan loss allowance to noncurrent loans | 50.6059% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 3.7988% | 723 |
| Noncurrent loans to loans | 4.0641% | 710 |
| Net loans and leases to total assets | 88.8878% | 63 |
| Net loans and leases to deposits | 101.4142% | 421 |
| Net loans and leases to core deposits | 121.4850% | 307 |
| Total domestic deposits to total assets | 87.6484% | 2,394 |
| Equity capital to assets | 10.6897% | 2,945 |
| Core capital (leverage) ratio | 9.6901% | 3,997 |
| Tier 1 risk-based capital ratio | 11.7026% | 5,804 |
| Total risk-based capital ratio | 12.9649% | 5,730 |
| Memoranda: | ||
| Average total assets | $794,443,600 | 835 |
| Average earning assets | $749,308,000 | 808 |
| Average equity | $89,098,400 | 791 |
| Average total loans | $712,583,400 | 592 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 491 |
| Cost of funding earning assets | 0.6214% | 2,635 |
| Net interest margin | 4.7280% | 495 |
| Noninterest income to average assets | 0.1515% | 6,279 |
| Noninterest expense to average assets | 2.1063% | 5,815 |
| Loan and lease loss provision to assets | 1.4106% | 86 |
| Net operating income to assets | 1.0856% | 2,063 |
| Return on assets (ROA) | 1.0860% | 2,142 |
| Pretax return on assets | 1.0931% | 3,142 |
| Return on Equity (ROE) | 9.5735% | 2,363 |
| Retained earnings to average equity (ytd only) | -3.6937% | 6,416 |
| Net charge-offs to loans | 1.2127% | 449 |
| Credit loss provision to net charge-offs | 130.0539% | 1,818 |
| Earnings coverage of net charge-offs (x) | 2.3081% | 4,068 |
| Efficiency ratio | 45.5804% | 6,609 |
| Assets per employee ($millions) | 5.8922% | 1,313 |
| Cash dividends to net income (ytd only)* | 138.5822% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 3,616 |
| Loan loss allowance to noncurrent loans | 29.9518% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 4.8199% | 599 |
| Noncurrent loans to loans | 4.8938% | 625 |
| Net loans and leases to total assets | 88.7515% | 64 |
| Net loans and leases to deposits | 103.6813% | 308 |
| Net loans and leases to core deposits | 126.9876% | 226 |
| Total domestic deposits to total assets | 85.6003% | 3,452 |
| Equity capital to assets | 11.1188% | 2,644 |
| Core capital (leverage) ratio | 10.3067% | 3,233 |
| Tier 1 risk-based capital ratio | 12.1272% | 5,700 |
| Total risk-based capital ratio | 13.3811% | 5,631 |
| Memoranda: | ||
| Average total assets | $798,416,500 | 837 |
| Average earning assets | $752,855,250 | 808 |
| Average equity | $90,566,750 | 784 |
| Average total loans | $714,086,750 | 588 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3304% | 498 |
| Cost of funding earning assets | 0.6583% | 2,420 |
| Net interest margin | 4.6722% | 533 |
| Noninterest income to average assets | 0.1796% | 6,132 |
| Noninterest expense to average assets | 2.1741% | 5,692 |
| Loan and lease loss provision to assets | 1.3855% | 101 |
| Net operating income to assets | 1.0200% | 2,242 |
| Return on assets (ROA) | 1.0205% | 2,361 |
| Pretax return on assets | 1.0260% | 3,390 |
| Return on Equity (ROE) | 8.9379% | 2,640 |
| Retained earnings to average equity (ytd only) | -6.4465% | 6,540 |
| Net charge-offs to loans | 1.5382% | 337 |
| Credit loss provision to net charge-offs | 100.9479% | 2,183 |
| Earnings coverage of net charge-offs (x) | 1.7567% | 3,945 |
| Efficiency ratio | 47.3018% | 6,581 |
| Assets per employee ($millions) | 5.8713% | 1,292 |
| Cash dividends to net income (ytd only)* | 172.1255% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 4,899 |
| Loan loss allowance to noncurrent loans | 27.8463% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 4.3852% | 759 |
| Noncurrent loans to loans | 4.3688% | 821 |
| Net loans and leases to total assets | 88.7804% | 68 |
| Net loans and leases to deposits | 100.3060% | 409 |
| Net loans and leases to core deposits | 125.0813% | 236 |
| Total domestic deposits to total assets | 88.5095% | 1,908 |
| Equity capital to assets | 11.1805% | 2,572 |
| Core capital (leverage) ratio | 10.2018% | 3,228 |
| Tier 1 risk-based capital ratio | 12.0645% | 5,760 |
| Total risk-based capital ratio | 13.3149% | 5,708 |
| Memoranda: | ||
| Average total assets | $799,406,670 | 837 |
| Average earning assets | $753,782,670 | 803 |
| Average equity | $91,274,330 | 775 |
| Average total loans | $713,291,670 | 584 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4959% | 371 |
| Cost of funding earning assets | 0.6782% | 2,406 |
| Net interest margin | 4.8178% | 388 |
| Noninterest income to average assets | 0.1857% | 6,145 |
| Noninterest expense to average assets | 2.0424% | 6,023 |
| Loan and lease loss provision to assets | 0.9269% | 209 |
| Net operating income to assets | 1.7415% | 531 |
| Return on assets (ROA) | 1.7415% | 588 |
| Pretax return on assets | 1.7519% | 968 |
| Return on Equity (ROE) | 15.0995% | 748 |
| Retained earnings to average equity (ytd only) | -0.4692% | 5,872 |
| Net charge-offs to loans | 1.1457% | 518 |
| Credit loss provision to net charge-offs | 90.9844% | 2,007 |
| Earnings coverage of net charge-offs (x) | 2.6296% | 2,982 |
| Efficiency ratio | 43.1546% | 6,804 |
| Assets per employee ($millions) | 6.2238% | 1,126 |
| Cash dividends to net income (ytd only)* | 103.1072% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,290 |
| Loan loss allowance to noncurrent loans | 118.4535% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2174% | 3,534 |
| Noncurrent loans to loans | 0.9924% | 4,142 |
| Net loans and leases to total assets | 86.2439% | 116 |
| Net loans and leases to deposits | 97.6359% | 463 |
| Net loans and leases to core deposits | 123.0483% | 241 |
| Total domestic deposits to total assets | 88.3322% | 2,108 |
| Equity capital to assets | 11.3880% | 2,540 |
| Core capital (leverage) ratio | 10.7658% | 2,484 |
| Tier 1 risk-based capital ratio | 12.6415% | 5,476 |
| Total risk-based capital ratio | 13.8807% | 5,444 |
| Memoranda: | ||
| Average total assets | $805,733,000 | 831 |
| Average earning assets | $758,527,000 | 806 |
| Average equity | $92,930,000 | 768 |
| Average total loans | $716,395,000 | 589 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6715% | 451 |
| Cost of funding earning assets | 0.8162% | 2,533 |
| Net interest margin | 4.8553% | 492 |
| Noninterest income to average assets | 0.1942% | 6,022 |
| Noninterest expense to average assets | 2.1972% | 5,927 |
| Loan and lease loss provision to assets | 1.0070% | 409 |
| Net operating income to assets | 1.5554% | 822 |
| Return on assets (ROA) | 1.6129% | 820 |
| Pretax return on assets | 1.6195% | 1,334 |
| Return on Equity (ROE) | 14.7554% | 858 |
| Retained earnings to average equity (ytd only) | 0.4367% | 5,637 |
| Net charge-offs to loans | 0.8259% | 1,409 |
| Credit loss provision to net charge-offs | 135.5447% | 2,053 |
| Earnings coverage of net charge-offs (x) | 3.4579% | 3,718 |
| Efficiency ratio | 45.9874% | 6,781 |
| Assets per employee ($millions) | 6.1243% | 1,205 |
| Cash dividends to net income (ytd only)* | 97.0406% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 5,183 |
| Loan loss allowance to noncurrent loans | 87.2080% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.4363% | 3,239 |
| Noncurrent loans to loans | 1.3591% | 3,563 |
| Net loans and leases to total assets | 89.5204% | 64 |
| Net loans and leases to deposits | 101.6908% | 340 |
| Net loans and leases to core deposits | 124.1922% | 239 |
| Total domestic deposits to total assets | 88.0319% | 2,220 |
| Equity capital to assets | 11.6827% | 2,284 |
| Core capital (leverage) ratio | 11.2204% | 2,077 |
| Tier 1 risk-based capital ratio | 12.9662% | 5,134 |
| Total risk-based capital ratio | 14.2183% | 5,070 |
| Memoranda: | ||
| Average total assets | $770,973,400 | 863 |
| Average earning assets | $726,013,400 | 824 |
| Average equity | $84,274,200 | 833 |
| Average total loans | $693,563,200 | 599 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6659% | 496 |
| Cost of funding earning assets | 0.8368% | 2,654 |
| Net interest margin | 4.8291% | 539 |
| Noninterest income to average assets | 0.1920% | 6,147 |
| Noninterest expense to average assets | 2.0583% | 6,247 |
| Loan and lease loss provision to assets | 1.1234% | 339 |
| Net operating income to assets | 1.5631% | 928 |
| Return on assets (ROA) | 1.6015% | 941 |
| Pretax return on assets | 1.6067% | 1,555 |
| Return on Equity (ROE) | 14.9183% | 920 |
| Retained earnings to average equity (ytd only) | 0.8478% | 5,825 |
| Net charge-offs to loans | 0.9728% | 1,094 |
| Credit loss provision to net charge-offs | 128.6028% | 2,239 |
| Earnings coverage of net charge-offs (x) | 3.0814% | 3,791 |
| Efficiency ratio | 43.2184% | 6,922 |
| Assets per employee ($millions) | 6.2204% | 1,110 |
| Cash dividends to net income (ytd only)* | 94.3168% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,634 |
| Loan loss allowance to noncurrent loans | 70.0696% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.6457% | 3,113 |
| Noncurrent loans to loans | 1.5989% | 3,392 |
| Net loans and leases to total assets | 88.1019% | 92 |
| Net loans and leases to deposits | 100.1522% | 425 |
| Net loans and leases to core deposits | 126.6691% | 224 |
| Total domestic deposits to total assets | 87.9680% | 2,059 |
| Equity capital to assets | 11.7315% | 2,502 |
| Core capital (leverage) ratio | 11.3927% | 2,061 |
| Tier 1 risk-based capital ratio | 13.0895% | 5,176 |
| Total risk-based capital ratio | 14.3054% | 5,158 |
| Memoranda: | ||
| Average total assets | $764,678,500 | 877 |
| Average earning assets | $721,772,750 | 836 |
| Average equity | $82,089,750 | 856 |
| Average total loans | $686,637,000 | 602 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6599% | 523 |
| Cost of funding earning assets | 0.8666% | 2,683 |
| Net interest margin | 4.7933% | 568 |
| Noninterest income to average assets | 0.1798% | 6,283 |
| Noninterest expense to average assets | 1.9402% | 6,531 |
| Loan and lease loss provision to assets | 0.9634% | 465 |
| Net operating income to assets | 1.7932% | 573 |
| Return on assets (ROA) | 1.7932% | 642 |
| Pretax return on assets | 1.7956% | 1,053 |
| Return on Equity (ROE) | 17.2683% | 604 |
| Retained earnings to average equity (ytd only) | 2.7504% | 4,788 |
| Net charge-offs to loans | 1.0038% | 1,103 |
| Credit loss provision to net charge-offs | 106.6021% | 2,554 |
| Earnings coverage of net charge-offs (x) | 3.0528% | 3,525 |
| Efficiency ratio | 41.1682% | 7,041 |
| Assets per employee ($millions) | 5.8685% | 1,315 |
| Cash dividends to net income (ytd only)* | 84.0728% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 6,236 |
| Loan loss allowance to noncurrent loans | 50.5892% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 2.0461% | 2,729 |
| Noncurrent loans to loans | 1.9335% | 3,020 |
| Net loans and leases to total assets | 89.4381% | 50 |
| Net loans and leases to deposits | 101.6981% | 353 |
| Net loans and leases to core deposits | 125.0048% | 252 |
| Total domestic deposits to total assets | 87.9447% | 2,180 |
| Equity capital to assets | 10.3567% | 3,865 |
| Core capital (leverage) ratio | 9.5841% | 4,026 |
| Tier 1 risk-based capital ratio | 11.2697% | 6,356 |
| Total risk-based capital ratio | 12.3379% | 6,425 |
| Memoranda: | ||
| Average total assets | $754,167,330 | 889 |
| Average earning assets | $711,071,000 | 849 |
| Average equity | $78,317,000 | 891 |
| Average total loans | $679,040,670 | 611 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6801% | 538 |
| Cost of funding earning assets | 0.9210% | 2,508 |
| Net interest margin | 4.7591% | 615 |
| Noninterest income to average assets | 0.2182% | 6,049 |
| Noninterest expense to average assets | 1.8229% | 6,771 |
| Loan and lease loss provision to assets | 1.0125% | 403 |
| Net operating income to assets | 1.8677% | 521 |
| Return on assets (ROA) | 1.8677% | 593 |
| Pretax return on assets | 1.8650% | 941 |
| Return on Equity (ROE) | 17.9609% | 555 |
| Retained earnings to average equity (ytd only) | 3.5552% | 4,450 |
| Net charge-offs to loans | 1.0973% | 940 |
| Credit loss provision to net charge-offs | 102.6501% | 2,246 |
| Earnings coverage of net charge-offs (x) | 2.9173% | 3,016 |
| Efficiency ratio | 38.6676% | 7,133 |
| Assets per employee ($millions) | 5.9456% | 1,318 |
| Cash dividends to net income (ytd only)* | 80.2057% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 6,347 |
| Loan loss allowance to noncurrent loans | 46.1241% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 2.3122% | 2,568 |
| Noncurrent loans to loans | 2.1073% | 3,020 |
| Net loans and leases to total assets | 89.2548% | 52 |
| Net loans and leases to deposits | 100.5941% | 350 |
| Net loans and leases to core deposits | 123.1372% | 266 |
| Total domestic deposits to total assets | 88.7276% | 1,867 |
| Equity capital to assets | 10.4708% | 3,524 |
| Core capital (leverage) ratio | 9.5511% | 3,977 |
| Tier 1 risk-based capital ratio | 11.4654% | 6,302 |
| Total risk-based capital ratio | 12.5295% | 6,380 |
| Memoranda: | ||
| Average total assets | $749,796,500 | 894 |
| Average earning assets | $706,179,500 | 853 |
| Average equity | $77,969,500 | 892 |
| Average total loans | $674,025,500 | 618 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8349% | 593 |
| Cost of funding earning assets | 1.1512% | 2,347 |
| Net interest margin | 4.6837% | 777 |
| Noninterest income to average assets | 0.0518% | 6,827 |
| Noninterest expense to average assets | 2.1103% | 6,476 |
| Loan and lease loss provision to assets | 0.6392% | 1,597 |
| Net operating income to assets | 1.6876% | 564 |
| Return on assets (ROA) | 1.7280% | 562 |
| Pretax return on assets | 1.7328% | 921 |
| Return on Equity (ROE) | 17.1526% | 461 |
| Retained earnings to average equity (ytd only) | 2.1095% | 4,710 |
| Net charge-offs to loans | 0.7058% | 2,394 |
| Credit loss provision to net charge-offs | 102.3552% | 3,383 |
| Earnings coverage of net charge-offs (x) | 3.7337% | 3,409 |
| Efficiency ratio | 47.3243% | 6,975 |
| Assets per employee ($millions) | 5.9559% | 1,265 |
| Cash dividends to net income (ytd only)* | 87.7013% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 6,341 |
| Loan loss allowance to noncurrent loans | 107.8298% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 1.1585% | 4,295 |
| Noncurrent loans to loans | 0.8978% | 4,890 |
| Net loans and leases to total assets | 88.7905% | 65 |
| Net loans and leases to deposits | 99.6636% | 476 |
| Net loans and leases to core deposits | 120.8121% | 339 |
| Total domestic deposits to total assets | 89.0902% | 1,483 |
| Equity capital to assets | 10.3268% | 3,749 |
| Core capital (leverage) ratio | 9.3149% | 4,305 |
| Tier 1 risk-based capital ratio | 11.3829% | 6,237 |
| Total risk-based capital ratio | 12.4420% | 6,331 |
| Memoranda: | ||
| Average total assets | $754,724,200 | 872 |
| Average earning assets | $707,417,800 | 845 |
| Average equity | $76,035,200 | 883 |
| Average total loans | $667,782,800 | 616 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8220% | 673 |
| Cost of funding earning assets | 1.1808% | 2,444 |
| Net interest margin | 4.6412% | 868 |
| Noninterest income to average assets | 0.1014% | 6,746 |
| Noninterest expense to average assets | 2.0548% | 6,584 |
| Loan and lease loss provision to assets | 0.6481% | 1,515 |
| Net operating income to assets | 1.7461% | 571 |
| Return on assets (ROA) | 1.7461% | 627 |
| Pretax return on assets | 1.7459% | 1,048 |
| Return on Equity (ROE) | 17.4403% | 518 |
| Retained earnings to average equity (ytd only) | 2.1144% | 5,081 |
| Net charge-offs to loans | 0.7551% | 2,055 |
| Credit loss provision to net charge-offs | 97.3245% | 3,518 |
| Earnings coverage of net charge-offs (x) | 3.5950% | 3,382 |
| Efficiency ratio | 46.0010% | 7,061 |
| Assets per employee ($millions) | 5.9663% | 1,227 |
| Cash dividends to net income (ytd only)* | 87.8763% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 6,458 |
| Loan loss allowance to noncurrent loans | 174.5223% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 1.4910% | 3,881 |
| Noncurrent loans to loans | 0.5434% | 5,778 |
| Net loans and leases to total assets | 86.1927% | 129 |
| Net loans and leases to deposits | 96.2948% | 685 |
| Net loans and leases to core deposits | 120.9493% | 362 |
| Total domestic deposits to total assets | 89.5093% | 1,137 |
| Equity capital to assets | 10.1160% | 4,191 |
| Core capital (leverage) ratio | 9.2525% | 4,540 |
| Tier 1 risk-based capital ratio | 11.3151% | 6,350 |
| Total risk-based capital ratio | 12.3398% | 6,470 |
| Memoranda: | ||
| Average total assets | $755,794,500 | 872 |
| Average earning assets | $707,966,250 | 852 |
| Average equity | $75,669,750 | 898 |
| Average total loans | $666,519,500 | 626 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7875% | 731 |
| Cost of funding earning assets | 1.1987% | 2,593 |
| Net interest margin | 4.5887% | 924 |
| Noninterest income to average assets | 0.1301% | 6,672 |
| Noninterest expense to average assets | 1.9746% | 6,841 |
| Loan and lease loss provision to assets | 0.7300% | 1,278 |
| Net operating income to assets | 1.7367% | 556 |
| Return on assets (ROA) | 1.7367% | 600 |
| Pretax return on assets | 1.7263% | 1,000 |
| Return on Equity (ROE) | 17.4072% | 514 |
| Retained earnings to average equity (ytd only) | 1.9829% | 4,986 |
| Net charge-offs to loans | 0.8564% | 1,796 |
| Credit loss provision to net charge-offs | 96.2198% | 3,265 |
| Earnings coverage of net charge-offs (x) | 3.2377% | 3,252 |
| Efficiency ratio | 44.3785% | 7,218 |
| Assets per employee ($millions) | 5.9664% | 1,208 |
| Cash dividends to net income (ytd only)* | 88.6086% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 6,552 |
| Loan loss allowance to noncurrent loans | 81.9022% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.7403% | 3,594 |
| Noncurrent loans to loans | 1.1458% | 4,744 |
| Net loans and leases to total assets | 87.6953% | 85 |
| Net loans and leases to deposits | 97.8197% | 602 |
| Net loans and leases to core deposits | 125.6221% | 319 |
| Total domestic deposits to total assets | 89.6499% | 1,155 |
| Equity capital to assets | 10.0374% | 4,095 |
| Core capital (leverage) ratio | 9.2079% | 4,390 |
| Tier 1 risk-based capital ratio | 11.1934% | 6,384 |
| Total risk-based capital ratio | 12.2129% | 6,533 |
| Memoranda: | ||
| Average total assets | $753,162,000 | 886 |
| Average earning assets | $705,903,000 | 865 |
| Average equity | $75,141,330 | 902 |
| Average total loans | $667,176,330 | 636 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7839% | 762 |
| Cost of funding earning assets | 1.2161% | 2,709 |
| Net interest margin | 4.5679% | 919 |
| Noninterest income to average assets | 0.2424% | 5,961 |
| Noninterest expense to average assets | 2.1095% | 6,614 |
| Loan and lease loss provision to assets | 0.5098% | 1,708 |
| Net operating income to assets | 1.8853% | 417 |
| Return on assets (ROA) | 1.8853% | 440 |
| Pretax return on assets | 1.9012% | 679 |
| Return on Equity (ROE) | 18.9547% | 401 |
| Retained earnings to average equity (ytd only) | 3.4546% | 4,117 |
| Net charge-offs to loans | 0.6156% | 1,966 |
| Credit loss provision to net charge-offs | 93.4570% | 2,871 |
| Earnings coverage of net charge-offs (x) | 4.4199% | 2,484 |
| Efficiency ratio | 46.4765% | 7,184 |
| Assets per employee ($millions) | 5.8894% | 1,274 |
| Cash dividends to net income (ytd only)* | 81.7745% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 6,553 |
| Loan loss allowance to noncurrent loans | 73.0964% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.8391% | 3,510 |
| Noncurrent loans to loans | 1.2972% | 4,531 |
| Net loans and leases to total assets | 87.7987% | 85 |
| Net loans and leases to deposits | 98.8813% | 530 |
| Net loans and leases to core deposits | 125.8723% | 316 |
| Total domestic deposits to total assets | 88.7920% | 1,904 |
| Equity capital to assets | 9.9715% | 3,814 |
| Core capital (leverage) ratio | 9.3744% | 4,008 |
| Tier 1 risk-based capital ratio | 11.1667% | 6,381 |
| Total risk-based capital ratio | 12.1920% | 6,526 |
| Memoranda: | ||
| Average total assets | $750,876,000 | 894 |
| Average earning assets | $703,260,000 | 869 |
| Average equity | $74,683,500 | 895 |
| Average total loans | $665,368,500 | 643 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0073% | 837 |
| Cost of funding earning assets | 1.3887% | 3,344 |
| Net interest margin | 4.6186% | 974 |
| Noninterest income to average assets | 0.1304% | 6,743 |
| Noninterest expense to average assets | 2.0787% | 6,895 |
| Loan and lease loss provision to assets | 0.6135% | 2,681 |
| Net operating income to assets | 1.7227% | 491 |
| Return on assets (ROA) | 1.8112% | 440 |
| Pretax return on assets | 1.8452% | 690 |
| Return on Equity (ROE) | 18.2907% | 358 |
| Retained earnings to average equity (ytd only) | 2.9822% | 3,762 |
| Net charge-offs to loans | 0.6085% | 3,208 |
| Credit loss provision to net charge-offs | 115.5682% | 3,739 |
| Earnings coverage of net charge-offs (x) | 4.4616% | 2,916 |
| Efficiency ratio | 46.5512% | 7,337 |
| Assets per employee ($millions) | 5.7978% | 1,356 |
| Cash dividends to net income (ytd only)* | 83.6958% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 6,507 |
| Loan loss allowance to noncurrent loans | 65.1771% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 2.0193% | 3,328 |
| Noncurrent loans to loans | 1.4828% | 4,255 |
| Net loans and leases to total assets | 87.7291% | 106 |
| Net loans and leases to deposits | 98.0481% | 711 |
| Net loans and leases to core deposits | 126.6729% | 378 |
| Total domestic deposits to total assets | 89.4755% | 1,393 |
| Equity capital to assets | 9.9206% | 3,853 |
| Core capital (leverage) ratio | 9.3978% | 3,849 |
| Tier 1 risk-based capital ratio | 11.1265% | 6,232 |
| Total risk-based capital ratio | 12.1690% | 6,364 |
| Memoranda: | ||
| Average total assets | $726,034,800 | 921 |
| Average earning assets | $678,558,800 | 905 |
| Average equity | $71,894,400 | 933 |
| Average total loans | $633,405,200 | 696 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0269% | 887 |
| Cost of funding earning assets | 1.4177% | 3,470 |
| Net interest margin | 4.6092% | 1,024 |
| Noninterest income to average assets | 0.0635% | 7,207 |
| Noninterest expense to average assets | 2.0000% | 7,048 |
| Loan and lease loss provision to assets | 0.5272% | 2,826 |
| Net operating income to assets | 1.8096% | 490 |
| Return on assets (ROA) | 1.8096% | 536 |
| Pretax return on assets | 1.8435% | 856 |
| Return on Equity (ROE) | 18.2837% | 458 |
| Retained earnings to average equity (ytd only) | 3.0080% | 4,333 |
| Net charge-offs to loans | 0.6327% | 2,850 |
| Credit loss provision to net charge-offs | 95.8936% | 4,518 |
| Earnings coverage of net charge-offs (x) | 4.3124% | 3,105 |
| Efficiency ratio | 45.5612% | 7,401 |
| Assets per employee ($millions) | 5.9074% | 1,297 |
| Cash dividends to net income (ytd only)* | 83.5480% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 6,811 |
| Loan loss allowance to noncurrent loans | 65.8514% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.8560% | 3,671 |
| Noncurrent loans to loans | 1.3334% | 4,629 |
| Net loans and leases to total assets | 86.8479% | 146 |
| Net loans and leases to deposits | 98.2552% | 780 |
| Net loans and leases to core deposits | 127.2362% | 428 |
| Total domestic deposits to total assets | 88.3901% | 1,735 |
| Equity capital to assets | 9.8858% | 4,311 |
| Core capital (leverage) ratio | 9.0561% | 4,595 |
| Tier 1 risk-based capital ratio | 10.6937% | 6,641 |
| Total risk-based capital ratio | 11.6291% | 6,843 |
| Memoranda: | ||
| Average total assets | $720,564,750 | 931 |
| Average earning assets | $673,365,500 | 912 |
| Average equity | $71,318,500 | 944 |
| Average total loans | $626,121,000 | 708 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0249% | 890 |
| Cost of funding earning assets | 1.4384% | 3,623 |
| Net interest margin | 4.5865% | 1,030 |
| Noninterest income to average assets | 0.0529% | 7,324 |
| Noninterest expense to average assets | 1.8956% | 7,271 |
| Loan and lease loss provision to assets | 0.6101% | 2,356 |
| Net operating income to assets | 1.7887% | 496 |
| Return on assets (ROA) | 1.7887% | 547 |
| Pretax return on assets | 1.8273% | 844 |
| Return on Equity (ROE) | 18.0643% | 459 |
| Retained earnings to average equity (ytd only) | 2.7785% | 4,366 |
| Net charge-offs to loans | 0.7982% | 2,253 |
| Credit loss provision to net charge-offs | 88.2234% | 4,477 |
| Earnings coverage of net charge-offs (x) | 3.5245% | 3,291 |
| Efficiency ratio | 43.5473% | 7,537 |
| Assets per employee ($millions) | 5.8528% | 1,338 |
| Cash dividends to net income (ytd only)* | 84.6190% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8659% | 6,864 |
| Loan loss allowance to noncurrent loans | 54.4933% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 2.1927% | 3,267 |
| Noncurrent loans to loans | 1.5890% | 4,324 |
| Net loans and leases to total assets | 86.2569% | 214 |
| Net loans and leases to deposits | 96.1593% | 1,034 |
| Net loans and leases to core deposits | 126.4192% | 500 |
| Total domestic deposits to total assets | 89.7021% | 1,072 |
| Equity capital to assets | 9.7419% | 4,353 |
| Core capital (leverage) ratio | 9.0790% | 4,481 |
| Tier 1 risk-based capital ratio | 10.7216% | 6,511 |
| Total risk-based capital ratio | 11.6405% | 6,761 |
| Memoranda: | ||
| Average total assets | $714,611,670 | 942 |
| Average earning assets | $666,867,670 | 927 |
| Average equity | $70,758,330 | 945 |
| Average total loans | $619,165,670 | 725 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9354% | 1,115 |
| Cost of funding earning assets | 1.4592% | 3,811 |
| Net interest margin | 4.4762% | 1,196 |
| Noninterest income to average assets | 0.1733% | 6,727 |
| Noninterest expense to average assets | 2.1181% | 6,889 |
| Loan and lease loss provision to assets | 0.4192% | 2,856 |
| Net operating income to assets | 1.7731% | 526 |
| Return on assets (ROA) | 1.7731% | 576 |
| Pretax return on assets | 1.8082% | 863 |
| Return on Equity (ROE) | 17.7585% | 534 |
| Retained earnings to average equity (ytd only) | 2.5021% | 4,638 |
| Net charge-offs to loans | 0.4148% | 2,799 |
| Credit loss provision to net charge-offs | 116.9036% | 2,979 |
| Earnings coverage of net charge-offs (x) | 6.2117% | 2,265 |
| Efficiency ratio | 48.5465% | 7,404 |
| Assets per employee ($millions) | 5.8416% | 1,376 |
| Cash dividends to net income (ytd only)* | 85.9105% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 6,639 |
| Loan loss allowance to noncurrent loans | 64.7175% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 2.2113% | 3,262 |
| Noncurrent loans to loans | 1.4859% | 4,515 |
| Net loans and leases to total assets | 86.1095% | 210 |
| Net loans and leases to deposits | 98.0408% | 906 |
| Net loans and leases to core deposits | 126.7787% | 565 |
| Total domestic deposits to total assets | 87.8303% | 2,154 |
| Equity capital to assets | 9.9978% | 3,878 |
| Core capital (leverage) ratio | 9.2836% | 4,081 |
| Tier 1 risk-based capital ratio | 11.0130% | 6,142 |
| Total risk-based capital ratio | 12.0340% | 6,343 |
| Memoranda: | ||
| Average total assets | $706,116,500 | 974 |
| Average earning assets | $658,148,500 | 955 |
| Average equity | $70,501,500 | 941 |
| Average total loans | $610,464,000 | 752 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1381% | 1,409 |
| Cost of funding earning assets | 1.9668% | 3,113 |
| Net interest margin | 4.1713% | 2,171 |
| Noninterest income to average assets | 0.0544% | 7,486 |
| Noninterest expense to average assets | 1.9324% | 7,452 |
| Loan and lease loss provision to assets | 0.6932% | 3,054 |
| Net operating income to assets | 1.3203% | 998 |
| Return on assets (ROA) | 1.8021% | 377 |
| Pretax return on assets | 1.8307% | 591 |
| Return on Equity (ROE) | 19.2946% | 280 |
| Retained earnings to average equity (ytd only) | 3.4053% | 2,786 |
| Net charge-offs to loans | 0.5912% | 3,444 |
| Credit loss provision to net charge-offs | 136.3358% | 3,626 |
| Earnings coverage of net charge-offs (x) | 3.9969% | 3,109 |
| Efficiency ratio | 48.5176% | 7,606 |
| Assets per employee ($millions) | 5.8783% | 1,338 |
| Cash dividends to net income (ytd only)* | 82.3511% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 6,596 |
| Loan loss allowance to noncurrent loans | 54.8177% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 2.2801% | 3,031 |
| Noncurrent loans to loans | 1.7458% | 4,020 |
| Net loans and leases to total assets | 85.1382% | 335 |
| Net loans and leases to deposits | 98.5992% | 1,045 |
| Net loans and leases to core deposits | 119.6193% | 1,978 |
| Total domestic deposits to total assets | 86.3477% | 2,842 |
| Equity capital to assets | 9.9710% | 3,800 |
| Core capital (leverage) ratio | 9.2620% | 4,036 |
| Tier 1 risk-based capital ratio | 10.9125% | 5,998 |
| Total risk-based capital ratio | 11.9130% | 6,215 |
| Memoranda: | ||
| Average total assets | $705,236,000 | 971 |
| Average earning assets | $661,115,600 | 936 |
| Average equity | $65,868,000 | 1,001 |
| Average total loans | $606,525,200 | 773 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1474% | 1,499 |
| Cost of funding earning assets | 2.0630% | 3,061 |
| Net interest margin | 4.0844% | 2,462 |
| Noninterest income to average assets | -0.0078% | 7,858 |
| Noninterest expense to average assets | 1.9616% | 7,453 |
| Loan and lease loss provision to assets | 0.6209% | 2,909 |
| Net operating income to assets | 1.2229% | 1,410 |
| Return on assets (ROA) | 1.6878% | 607 |
| Pretax return on assets | 1.7203% | 933 |
| Return on Equity (ROE) | 18.3817% | 417 |
| Retained earnings to average equity (ytd only) | 1.8244% | 4,299 |
| Net charge-offs to loans | 0.5238% | 3,119 |
| Credit loss provision to net charge-offs | 137.8095% | 3,591 |
| Earnings coverage of net charge-offs (x) | 4.1435% | 3,242 |
| Efficiency ratio | 51.0050% | 7,484 |
| Assets per employee ($millions) | 5.8702% | 1,306 |
| Cash dividends to net income (ytd only)* | 90.0751% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 6,817 |
| Loan loss allowance to noncurrent loans | 50.7756% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 2.2581% | 3,032 |
| Noncurrent loans to loans | 1.7456% | 4,003 |
| Net loans and leases to total assets | 85.7383% | 364 |
| Net loans and leases to deposits | 101.3019% | 988 |
| Net loans and leases to core deposits | 123.5714% | 1,948 |
| Total domestic deposits to total assets | 84.6364% | 3,411 |
| Equity capital to assets | 10.0052% | 4,081 |
| Core capital (leverage) ratio | 9.0991% | 4,493 |
| Tier 1 risk-based capital ratio | 10.6531% | 6,297 |
| Total risk-based capital ratio | 11.5823% | 6,587 |
| Memoranda: | ||
| Average total assets | $705,195,500 | 977 |
| Average earning assets | $662,335,000 | 944 |
| Average equity | $64,751,250 | 1,035 |
| Average total loans | $606,565,000 | 792 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2000% | 1,453 |
| Cost of funding earning assets | 2.1399% | 3,088 |
| Net interest margin | 4.0601% | 2,468 |
| Noninterest income to average assets | -0.1199% | 8,042 |
| Noninterest expense to average assets | 1.9052% | 7,617 |
| Loan and lease loss provision to assets | 0.5520% | 2,811 |
| Net operating income to assets | 1.2222% | 1,421 |
| Return on assets (ROA) | 1.6752% | 648 |
| Pretax return on assets | 1.6925% | 1,033 |
| Return on Equity (ROE) | 18.8059% | 420 |
| Retained earnings to average equity (ytd only) | 1.6677% | 4,411 |
| Net charge-offs to loans | 0.3458% | 3,456 |
| Credit loss provision to net charge-offs | 185.9599% | 2,463 |
| Earnings coverage of net charge-offs (x) | 6.0201% | 2,703 |
| Efficiency ratio | 51.3630% | 7,563 |
| Assets per employee ($millions) | 5.8660% | 1,295 |
| Cash dividends to net income (ytd only)* | 91.1322% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 6,835 |
| Loan loss allowance to noncurrent loans | 71.0246% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.7133% | 3,616 |
| Noncurrent loans to loans | 1.2454% | 4,722 |
| Net loans and leases to total assets | 85.2519% | 467 |
| Net loans and leases to deposits | 102.9755% | 992 |
| Net loans and leases to core deposits | 125.7670% | 1,895 |
| Total domestic deposits to total assets | 82.7885% | 4,341 |
| Equity capital to assets | 9.2602% | 4,926 |
| Core capital (leverage) ratio | 8.5912% | 5,278 |
| Tier 1 risk-based capital ratio | 9.9794% | 6,947 |
| Total risk-based capital ratio | 10.8941% | 7,228 |
| Memoranda: | ||
| Average total assets | $705,451,670 | 996 |
| Average earning assets | $662,356,330 | 963 |
| Average equity | $62,842,000 | 1,086 |
| Average total loans | $605,631,670 | 811 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1419% | 1,789 |
| Cost of funding earning assets | 2.2050% | 3,140 |
| Net interest margin | 3.9369% | 2,899 |
| Noninterest income to average assets | 0.1422% | 7,282 |
| Noninterest expense to average assets | 1.8928% | 7,561 |
| Loan and lease loss provision to assets | 0.1991% | 4,448 |
| Net operating income to assets | 1.7301% | 611 |
| Return on assets (ROA) | 1.8382% | 551 |
| Pretax return on assets | 1.8559% | 886 |
| Return on Equity (ROE) | 21.0557% | 359 |
| Retained earnings to average equity (ytd only) | 3.3812% | 4,000 |
| Net charge-offs to loans | 0.2261% | 3,285 |
| Credit loss provision to net charge-offs | 102.6393% | 3,654 |
| Earnings coverage of net charge-offs (x) | 10.0323% | 1,987 |
| Efficiency ratio | 49.0888% | 7,659 |
| Assets per employee ($millions) | 5.8176% | 1,304 |
| Cash dividends to net income (ytd only)* | 83.9418% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 7,332 |
| Loan loss allowance to noncurrent loans | 89.5176% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.5048% | 3,675 |
| Noncurrent loans to loans | 0.8297% | 5,367 |
| Net loans and leases to total assets | 84.9038% | 558 |
| Net loans and leases to deposits | 101.0004% | 1,277 |
| Net loans and leases to core deposits | 122.0956% | 2,245 |
| Total domestic deposits to total assets | 84.0628% | 3,678 |
| Equity capital to assets | 8.6243% | 5,880 |
| Core capital (leverage) ratio | 8.6657% | 5,221 |
| Tier 1 risk-based capital ratio | 9.9526% | 6,981 |
| Total risk-based capital ratio | 10.7144% | 7,407 |
| Memoranda: | ||
| Average total assets | $703,283,500 | 1,001 |
| Average earning assets | $660,312,000 | 970 |
| Average equity | $61,399,000 | 1,117 |
| Average total loans | $603,193,500 | 817 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9868% | 1,168 |
| Cost of funding earning assets | 2.8028% | 2,696 |
| Net interest margin | 4.1840% | 2,372 |
| Noninterest income to average assets | 0.2066% | 6,962 |
| Noninterest expense to average assets | 1.9502% | 7,539 |
| Loan and lease loss provision to assets | 0.2441% | 4,473 |
| Net operating income to assets | 1.8939% | 439 |
| Return on assets (ROA) | 1.9000% | 419 |
| Pretax return on assets | 1.9261% | 729 |
| Return on Equity (ROE) | 21.5945% | 274 |
| Retained earnings to average equity (ytd only) | 5.4165% | 1,804 |
| Net charge-offs to loans | 0.1100% | 5,177 |
| Credit loss provision to net charge-offs | 258.0699% | 1,794 |
| Earnings coverage of net charge-offs (x) | 22.8785% | 1,447 |
| Efficiency ratio | 47.1635% | 7,865 |
| Assets per employee ($millions) | 5.6652% | 1,344 |
| Cash dividends to net income (ytd only)* | 74.9172% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7008% | 7,420 |
| Loan loss allowance to noncurrent loans | 38.1853% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 1.7070% | 2,855 |
| Noncurrent loans to loans | 1.8354% | 3,008 |
| Net loans and leases to total assets | 85.3988% | 675 |
| Net loans and leases to deposits | 101.6345% | 1,620 |
| Net loans and leases to core deposits | 122.8260% | 2,414 |
| Total domestic deposits to total assets | 84.0254% | 3,310 |
| Equity capital to assets | 8.8383% | 5,590 |
| Core capital (leverage) ratio | 8.3063% | 5,936 |
| Tier 1 risk-based capital ratio | 9.8196% | 6,935 |
| Total risk-based capital ratio | 10.5539% | 7,438 |
| Memoranda: | ||
| Average total assets | $635,381,400 | 1,056 |
| Average earning assets | $593,404,600 | 1,037 |
| Average equity | $55,903,200 | 1,201 |
| Average total loans | $546,432,600 | 872 |