Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 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 | 4.0805% | 2,940 |
| Cost of funding earning assets | 0.3243% | 3,856 |
| Net interest margin | 3.7563% | 2,490 |
| Noninterest income to average assets | 1.1670% | 822 |
| Noninterest expense to average assets | 2.4773% | 4,094 |
| Loan and lease loss provision to assets | 0.0006% | 4,014 |
| Net operating income to assets | 2.2382% | 214 |
| Return on assets (ROA) | 2.2382% | 224 |
| Pretax return on assets | 2.2382% | 344 |
| Return on Equity (ROE) | 19.9162% | 249 |
| Retained earnings to average equity (ytd only) | 4.3079% | 3,182 |
| Net charge-offs to loans | -0.0033% | 4,453 |
| Credit loss provision to net charge-offs | -33.3333% | 4,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5291% | 5,415 |
| Assets per employee ($millions) | 3.9224% | 4,055 |
| Cash dividends to net income (ytd only)* | 78.3699% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 2,375 |
| Loan loss allowance to noncurrent loans | 69.7864% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 2,070 |
| Noncurrent loans to loans | 1.9793% | 1,009 |
| Net loans and leases to total assets | 51.3585% | 4,735 |
| Net loans and leases to deposits | 63.1194% | 4,560 |
| Net loans and leases to core deposits | 77.2685% | 3,715 |
| Total domestic deposits to total assets | 81.3672% | 4,170 |
| Equity capital to assets | 11.2521% | 2,796 |
| Core capital (leverage) ratio | 11.2716% | 2,172 |
| Tier 1 risk-based capital ratio | 20.8055% | 1,294 |
| Total risk-based capital ratio | 22.0569% | 1,277 |
| Memoranda: | ||
| Average total assets | $342,061,330 | 1,952 |
| Average earning assets | $323,194,000 | 1,912 |
| Average equity | $38,441,000 | 1,915 |
| Average total loans | $180,044,000 | 2,315 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 2,912 |
| Cost of funding earning assets | 0.3269% | 3,878 |
| Net interest margin | 3.7564% | 2,450 |
| Noninterest income to average assets | 1.4038% | 566 |
| Noninterest expense to average assets | 2.6102% | 3,721 |
| Loan and lease loss provision to assets | 0.0012% | 3,653 |
| Net operating income to assets | 2.3424% | 192 |
| Return on assets (ROA) | 2.3424% | 202 |
| Pretax return on assets | 2.3424% | 302 |
| Return on Equity (ROE) | 20.8566% | 197 |
| Retained earnings to average equity (ytd only) | 5.1671% | 2,840 |
| Net charge-offs to loans | -0.0044% | 4,259 |
| Credit loss provision to net charge-offs | -50.0000% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6915% | 5,471 |
| Assets per employee ($millions) | 3.7178% | 4,435 |
| Cash dividends to net income (ytd only)* | 75.2257% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 2,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 49.6898% | 4,837 |
| Net loans and leases to deposits | 61.0016% | 4,647 |
| Net loans and leases to core deposits | 74.2481% | 3,866 |
| Total domestic deposits to total assets | 81.4565% | 4,365 |
| Equity capital to assets | 11.1296% | 2,797 |
| Core capital (leverage) ratio | 11.2855% | 2,161 |
| Tier 1 risk-based capital ratio | 21.1231% | 1,304 |
| Total risk-based capital ratio | 22.3750% | 1,272 |
| Memoranda: | ||
| Average total assets | $340,507,000 | 1,967 |
| Average earning assets | $321,799,000 | 1,925 |
| Average equity | $38,242,000 | 1,919 |
| Average total loans | $180,187,500 | 2,306 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 1,664 |
| Cost of funding earning assets | 0.3577% | 3,618 |
| Net interest margin | 4.1218% | 1,356 |
| Noninterest income to average assets | 1.5352% | 532 |
| Noninterest expense to average assets | 2.7581% | 3,389 |
| Loan and lease loss provision to assets | 0.0449% | 3,428 |
| Net operating income to assets | 2.6115% | 134 |
| Return on assets (ROA) | 2.6115% | 134 |
| Pretax return on assets | 2.6115% | 171 |
| Return on Equity (ROE) | 23.9658% | 117 |
| Retained earnings to average equity (ytd only) | 7.0094% | 1,274 |
| Net charge-offs to loans | -0.0771% | 5,705 |
| Credit loss provision to net charge-offs | -96.2025% | 5,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9390% | 5,710 |
| Assets per employee ($millions) | 3.7251% | 4,422 |
| Cash dividends to net income (ytd only)* | 70.7527% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 2,746 |
| Loan loss allowance to noncurrent loans | 4,958.0000% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 5,638 |
| Noncurrent loans to loans | 0.0269% | 5,407 |
| Net loans and leases to total assets | 54.7666% | 4,423 |
| Net loans and leases to deposits | 67.6434% | 4,159 |
| Net loans and leases to core deposits | 82.6190% | 3,082 |
| Total domestic deposits to total assets | 80.9637% | 4,497 |
| Equity capital to assets | 11.3354% | 2,510 |
| Core capital (leverage) ratio | 11.1856% | 2,231 |
| Tier 1 risk-based capital ratio | 20.4404% | 1,399 |
| Total risk-based capital ratio | 21.6924% | 1,378 |
| Memoranda: | ||
| Average total assets | $338,317,200 | 1,935 |
| Average earning assets | $318,407,400 | 1,899 |
| Average equity | $36,865,000 | 1,936 |
| Average total loans | $204,919,200 | 2,029 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 1,488 |
| Cost of funding earning assets | 0.3662% | 3,592 |
| Net interest margin | 4.1733% | 1,230 |
| Noninterest income to average assets | 1.5371% | 526 |
| Noninterest expense to average assets | 2.7222% | 3,491 |
| Loan and lease loss provision to assets | 0.0598% | 2,990 |
| Net operating income to assets | 2.6805% | 127 |
| Return on assets (ROA) | 2.6805% | 129 |
| Pretax return on assets | 2.6805% | 178 |
| Return on Equity (ROE) | 24.8469% | 119 |
| Retained earnings to average equity (ytd only) | 7.5339% | 1,426 |
| Net charge-offs to loans | -0.0999% | 5,785 |
| Credit loss provision to net charge-offs | -96.8153% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8344% | 5,788 |
| Assets per employee ($millions) | 3.8992% | 4,084 |
| Cash dividends to net income (ytd only)* | 69.6788% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 3,336 |
| Loan loss allowance to noncurrent loans | 3,218.1818% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 5,705 |
| Noncurrent loans to loans | 0.0390% | 5,458 |
| Net loans and leases to total assets | 56.8056% | 4,266 |
| Net loans and leases to deposits | 69.4610% | 4,047 |
| Net loans and leases to core deposits | 87.3894% | 2,716 |
| Total domestic deposits to total assets | 81.7806% | 4,231 |
| Equity capital to assets | 10.9315% | 3,099 |
| Core capital (leverage) ratio | 10.6919% | 2,834 |
| Tier 1 risk-based capital ratio | 18.6931% | 1,855 |
| Total risk-based capital ratio | 19.9433% | 1,815 |
| Memoranda: | ||
| Average total assets | $339,081,750 | 1,945 |
| Average earning assets | $318,943,750 | 1,909 |
| Average equity | $36,580,500 | 1,966 |
| Average total loans | $209,626,750 | 2,008 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 1,104 |
| Cost of funding earning assets | 0.3716% | 3,580 |
| Net interest margin | 4.3122% | 899 |
| Noninterest income to average assets | 1.6072% | 501 |
| Noninterest expense to average assets | 2.8064% | 3,212 |
| Loan and lease loss provision to assets | 0.0900% | 2,315 |
| Net operating income to assets | 2.7655% | 116 |
| Return on assets (ROA) | 2.7655% | 118 |
| Pretax return on assets | 2.7655% | 167 |
| Return on Equity (ROE) | 25.7506% | 108 |
| Retained earnings to average equity (ytd only) | 7.8299% | 1,331 |
| Net charge-offs to loans | -0.1713% | 5,978 |
| Credit loss provision to net charge-offs | -83.0601% | 4,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5659% | 5,871 |
| Assets per employee ($millions) | 3.8197% | 4,225 |
| Cash dividends to net income (ytd only)* | 69.5931% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 3,833 |
| Loan loss allowance to noncurrent loans | 3,169.6203% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 5,799 |
| Noncurrent loans to loans | 0.0377% | 5,598 |
| Net loans and leases to total assets | 59.6311% | 3,887 |
| Net loans and leases to deposits | 73.1396% | 3,601 |
| Net loans and leases to core deposits | 91.5953% | 2,190 |
| Total domestic deposits to total assets | 81.5305% | 4,438 |
| Equity capital to assets | 10.6108% | 3,310 |
| Core capital (leverage) ratio | 10.6134% | 2,836 |
| Tier 1 risk-based capital ratio | 17.4379% | 2,240 |
| Total risk-based capital ratio | 18.6753% | 2,202 |
| Memoranda: | ||
| Average total assets | $337,733,000 | 1,965 |
| Average earning assets | $317,566,000 | 1,931 |
| Average equity | $36,271,000 | 1,983 |
| Average total loans | $213,704,330 | 1,982 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 604 |
| Cost of funding earning assets | 0.3856% | 3,463 |
| Net interest margin | 4.5795% | 524 |
| Noninterest income to average assets | 1.7632% | 427 |
| Noninterest expense to average assets | 2.6995% | 3,591 |
| Loan and lease loss provision to assets | 0.1346% | 1,537 |
| Net operating income to assets | 3.2259% | 80 |
| Return on assets (ROA) | 3.2259% | 83 |
| Pretax return on assets | 3.2259% | 121 |
| Return on Equity (ROE) | 29.8508% | 56 |
| Retained earnings to average equity (ytd only) | 10.3877% | 832 |
| Net charge-offs to loans | -0.0946% | 5,833 |
| Credit loss provision to net charge-offs | -219.6078% | 4,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5458% | 6,160 |
| Assets per employee ($millions) | 3.4485% | 4,994 |
| Cash dividends to net income (ytd only)* | 65.2012% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 4,638 |
| Loan loss allowance to noncurrent loans | 2,680.4598% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,833 |
| Noncurrent loans to loans | 0.0401% | 5,622 |
| Net loans and leases to total assets | 63.5544% | 3,149 |
| Net loans and leases to deposits | 78.3393% | 2,755 |
| Net loans and leases to core deposits | 96.0005% | 1,613 |
| Total domestic deposits to total assets | 81.1271% | 4,794 |
| Equity capital to assets | 10.7803% | 3,216 |
| Core capital (leverage) ratio | 10.7743% | 2,656 |
| Tier 1 risk-based capital ratio | 16.6232% | 2,628 |
| Total risk-based capital ratio | 17.7398% | 2,627 |
| Memoranda: | ||
| Average total assets | $332,805,000 | 1,999 |
| Average earning assets | $312,264,500 | 1,977 |
| Average equity | $35,965,500 | 2,016 |
| Average total loans | $215,669,000 | 1,971 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7111% | 1,278 |
| Cost of funding earning assets | 0.4010% | 3,676 |
| Net interest margin | 4.3100% | 1,039 |
| Noninterest income to average assets | 1.6333% | 474 |
| Noninterest expense to average assets | 2.8609% | 3,263 |
| Loan and lease loss provision to assets | 0.0385% | 3,803 |
| Net operating income to assets | 2.7864% | 111 |
| Return on assets (ROA) | 2.7864% | 112 |
| Pretax return on assets | 2.7864% | 140 |
| Return on Equity (ROE) | 26.4821% | 85 |
| Retained earnings to average equity (ytd only) | 8.1945% | 953 |
| Net charge-offs to loans | 0.1375% | 2,645 |
| Credit loss provision to net charge-offs | 44.3262% | 3,599 |
| Earnings coverage of net charge-offs (x) | 32.5426% | 1,256 |
| Efficiency ratio | 50.3167% | 6,076 |
| Assets per employee ($millions) | 3.3779% | 5,114 |
| Cash dividends to net income (ytd only)* | 69.0566% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 4,977 |
| Loan loss allowance to noncurrent loans | 1,989.9083% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 5,473 |
| Noncurrent loans to loans | 0.0509% | 5,674 |
| Net loans and leases to total assets | 64.7180% | 3,104 |
| Net loans and leases to deposits | 79.2925% | 2,808 |
| Net loans and leases to core deposits | 98.7474% | 1,487 |
| Total domestic deposits to total assets | 81.6194% | 4,564 |
| Equity capital to assets | 10.8341% | 3,079 |
| Core capital (leverage) ratio | 10.7559% | 2,663 |
| Tier 1 risk-based capital ratio | 16.3151% | 2,804 |
| Total risk-based capital ratio | 17.3119% | 2,872 |
| Memoranda: | ||
| Average total assets | $324,867,200 | 1,999 |
| Average earning assets | $305,449,400 | 1,963 |
| Average equity | $34,181,600 | 2,038 |
| Average total loans | $205,164,400 | 2,001 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 1,366 |
| Cost of funding earning assets | 0.4034% | 3,756 |
| Net interest margin | 4.2726% | 1,104 |
| Noninterest income to average assets | 1.6723% | 468 |
| Noninterest expense to average assets | 2.8598% | 3,259 |
| Loan and lease loss provision to assets | 0.0753% | 2,838 |
| Net operating income to assets | 2.7586% | 112 |
| Return on assets (ROA) | 2.7586% | 111 |
| Pretax return on assets | 2.7586% | 146 |
| Return on Equity (ROE) | 26.4161% | 82 |
| Retained earnings to average equity (ytd only) | 9.6732% | 783 |
| Net charge-offs to loans | 0.0289% | 3,905 |
| Credit loss provision to net charge-offs | 415.9091% | 674 |
| Earnings coverage of net charge-offs (x) | 156.5781% | 397 |
| Efficiency ratio | 50.2276% | 6,091 |
| Assets per employee ($millions) | 3.3970% | 5,053 |
| Cash dividends to net income (ytd only)* | 63.3816% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 4,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 5,591 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 64.5015% | 3,113 |
| Net loans and leases to deposits | 78.8639% | 2,853 |
| Net loans and leases to core deposits | 100.2036% | 1,351 |
| Total domestic deposits to total assets | 81.7884% | 4,549 |
| Equity capital to assets | 10.8544% | 3,122 |
| Core capital (leverage) ratio | 10.8644% | 2,615 |
| Tier 1 risk-based capital ratio | 16.2075% | 2,952 |
| Total risk-based capital ratio | 17.3476% | 2,962 |
| Memoranda: | ||
| Average total assets | $324,169,000 | 2,019 |
| Average earning assets | $305,102,250 | 1,982 |
| Average equity | $33,852,250 | 2,061 |
| Average total loans | $202,899,500 | 2,028 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6941% | 1,290 |
| Cost of funding earning assets | 0.4086% | 3,790 |
| Net interest margin | 4.2855% | 1,053 |
| Noninterest income to average assets | 1.6904% | 451 |
| Noninterest expense to average assets | 2.8708% | 3,265 |
| Loan and lease loss provision to assets | 0.0752% | 2,774 |
| Net operating income to assets | 2.7833% | 104 |
| Return on assets (ROA) | 2.7833% | 106 |
| Pretax return on assets | 2.7833% | 145 |
| Return on Equity (ROE) | 27.0054% | 81 |
| Retained earnings to average equity (ytd only) | 10.5678% | 602 |
| Net charge-offs to loans | 0.0389% | 3,445 |
| Credit loss provision to net charge-offs | 312.8205% | 825 |
| Earnings coverage of net charge-offs (x) | 118.9744% | 490 |
| Efficiency ratio | 50.1075% | 6,166 |
| Assets per employee ($millions) | 3.4200% | 5,014 |
| Cash dividends to net income (ytd only)* | 60.8676% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 4,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 5,833 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 62.3792% | 3,345 |
| Net loans and leases to deposits | 73.6116% | 3,373 |
| Net loans and leases to core deposits | 93.4653% | 1,823 |
| Total domestic deposits to total assets | 84.7410% | 3,621 |
| Equity capital to assets | 10.5696% | 3,353 |
| Core capital (leverage) ratio | 10.6122% | 2,809 |
| Tier 1 risk-based capital ratio | 16.4247% | 2,864 |
| Total risk-based capital ratio | 17.5768% | 2,867 |
| Memoranda: | ||
| Average total assets | $324,652,670 | 2,008 |
| Average earning assets | $305,960,000 | 1,972 |
| Average equity | $33,460,000 | 2,072 |
| Average total loans | $200,325,000 | 2,045 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8575% | 934 |
| Cost of funding earning assets | 0.4100% | 3,854 |
| Net interest margin | 4.4475% | 730 |
| Noninterest income to average assets | 1.5111% | 516 |
| Noninterest expense to average assets | 2.6833% | 3,989 |
| Loan and lease loss provision to assets | 0.0764% | 2,615 |
| Net operating income to assets | 2.9495% | 101 |
| Return on assets (ROA) | 2.9495% | 104 |
| Pretax return on assets | 2.9495% | 147 |
| Return on Equity (ROE) | 28.9889% | 75 |
| Retained earnings to average equity (ytd only) | 10.8179% | 780 |
| Net charge-offs to loans | 0.0626% | 2,535 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 79.1935% | 543 |
| Efficiency ratio | 46.9991% | 6,396 |
| Assets per employee ($millions) | 3.3610% | 5,228 |
| Cash dividends to net income (ytd only)* | 62.6828% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 4,779 |
| Loan loss allowance to noncurrent loans | 16,828.5714% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 5,913 |
| Noncurrent loans to loans | 0.0069% | 6,166 |
| Net loans and leases to total assets | 61.0664% | 3,386 |
| Net loans and leases to deposits | 71.7812% | 3,366 |
| Net loans and leases to core deposits | 90.9356% | 1,833 |
| Total domestic deposits to total assets | 85.0730% | 3,834 |
| Equity capital to assets | 10.2650% | 3,521 |
| Core capital (leverage) ratio | 10.3269% | 3,146 |
| Tier 1 risk-based capital ratio | 16.2745% | 3,028 |
| Total risk-based capital ratio | 17.4202% | 3,038 |
| Memoranda: | ||
| Average total assets | $324,527,500 | 2,015 |
| Average earning assets | $306,329,000 | 1,975 |
| Average equity | $33,019,500 | 2,087 |
| Average total loans | $197,947,000 | 2,069 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 1,518 |
| Cost of funding earning assets | 0.4642% | 3,976 |
| Net interest margin | 4.2555% | 1,207 |
| Noninterest income to average assets | 1.4415% | 666 |
| Noninterest expense to average assets | 2.6626% | 4,230 |
| Loan and lease loss provision to assets | 0.0876% | 3,351 |
| Net operating income to assets | 2.7078% | 141 |
| Return on assets (ROA) | 2.7078% | 139 |
| Pretax return on assets | 2.7078% | 162 |
| Return on Equity (ROE) | 27.5880% | 96 |
| Retained earnings to average equity (ytd only) | 9.3210% | 702 |
| Net charge-offs to loans | 0.1340% | 3,461 |
| Credit loss provision to net charge-offs | 106.8441% | 2,252 |
| Earnings coverage of net charge-offs (x) | 34.0875% | 1,071 |
| Efficiency ratio | 48.7831% | 6,458 |
| Assets per employee ($millions) | 3.4366% | 5,011 |
| Cash dividends to net income (ytd only)* | 66.2137% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 4,680 |
| Loan loss allowance to noncurrent loans | 729.1536% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 5,957 |
| Noncurrent loans to loans | 0.1641% | 5,706 |
| Net loans and leases to total assets | 59.4745% | 3,801 |
| Net loans and leases to deposits | 69.8074% | 3,807 |
| Net loans and leases to core deposits | 88.3146% | 2,210 |
| Total domestic deposits to total assets | 85.1979% | 3,643 |
| Equity capital to assets | 10.0834% | 3,657 |
| Core capital (leverage) ratio | 10.1104% | 3,415 |
| Tier 1 risk-based capital ratio | 16.4243% | 2,894 |
| Total risk-based capital ratio | 17.5971% | 2,888 |
| Memoranda: | ||
| Average total assets | $320,706,400 | 2,005 |
| Average earning assets | $302,692,600 | 1,958 |
| Average equity | $31,477,400 | 2,155 |
| Average total loans | $196,328,200 | 2,032 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 1,310 |
| Cost of funding earning assets | 0.4778% | 3,989 |
| Net interest margin | 4.3387% | 1,009 |
| Noninterest income to average assets | 1.4969% | 655 |
| Noninterest expense to average assets | 2.6652% | 4,143 |
| Loan and lease loss provision to assets | 0.0904% | 3,256 |
| Net operating income to assets | 2.8338% | 129 |
| Return on assets (ROA) | 2.8338% | 131 |
| Pretax return on assets | 2.8338% | 161 |
| Return on Equity (ROE) | 29.0729% | 75 |
| Retained earnings to average equity (ytd only) | 13.0495% | 329 |
| Net charge-offs to loans | 0.0041% | 5,117 |
| Credit loss provision to net charge-offs | 3,616.6667% | 90 |
| Earnings coverage of net charge-offs (x) | 1,170.1375% | 33 |
| Efficiency ratio | 47.6826% | 6,513 |
| Assets per employee ($millions) | 3.4648% | 4,912 |
| Cash dividends to net income (ytd only)* | 55.1147% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 4,462 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 6,222 |
| Noncurrent loans to loans | 0.1170% | 5,977 |
| Net loans and leases to total assets | 59.9619% | 3,697 |
| Net loans and leases to deposits | 71.1239% | 3,622 |
| Net loans and leases to core deposits | 89.8447% | 1,982 |
| Total domestic deposits to total assets | 84.3062% | 4,062 |
| Equity capital to assets | 10.1464% | 3,706 |
| Core capital (leverage) ratio | 10.1809% | 3,427 |
| Tier 1 risk-based capital ratio | 16.3899% | 2,991 |
| Total risk-based capital ratio | 17.6406% | 2,955 |
| Memoranda: | ||
| Average total assets | $320,124,000 | 2,015 |
| Average earning assets | $301,959,500 | 1,972 |
| Average equity | $31,203,500 | 2,194 |
| Average total loans | $196,797,750 | 2,033 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8876% | 1,125 |
| Cost of funding earning assets | 0.4888% | 3,999 |
| Net interest margin | 4.3988% | 848 |
| Noninterest income to average assets | 1.4902% | 709 |
| Noninterest expense to average assets | 2.6773% | 4,120 |
| Loan and lease loss provision to assets | 0.0770% | 3,515 |
| Net operating income to assets | 2.8883% | 121 |
| Return on assets (ROA) | 2.8883% | 127 |
| Pretax return on assets | 2.8883% | 165 |
| Return on Equity (ROE) | 30.0456% | 70 |
| Retained earnings to average equity (ytd only) | 13.7560% | 315 |
| Net charge-offs to loans | 0.0030% | 4,864 |
| Credit loss provision to net charge-offs | 4,100.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 1,578.6667% | 17 |
| Efficiency ratio | 47.4478% | 6,569 |
| Assets per employee ($millions) | 3.5619% | 4,724 |
| Cash dividends to net income (ytd only)* | 54.2163% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 4,753 |
| Loan loss allowance to noncurrent loans | 323.7333% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 5,785 |
| Noncurrent loans to loans | 0.3849% | 5,310 |
| Net loans and leases to total assets | 60.0273% | 3,650 |
| Net loans and leases to deposits | 71.0487% | 3,578 |
| Net loans and leases to core deposits | 91.3189% | 1,780 |
| Total domestic deposits to total assets | 84.4876% | 4,130 |
| Equity capital to assets | 9.9049% | 4,043 |
| Core capital (leverage) ratio | 9.8408% | 3,733 |
| Tier 1 risk-based capital ratio | 16.0412% | 3,164 |
| Total risk-based capital ratio | 17.2679% | 3,126 |
| Memoranda: | ||
| Average total assets | $319,424,330 | 2,023 |
| Average earning assets | $301,536,000 | 1,979 |
| Average equity | $30,706,670 | 2,240 |
| Average total loans | $197,153,670 | 2,033 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9375% | 995 |
| Cost of funding earning assets | 0.5076% | 4,005 |
| Net interest margin | 4.4299% | 764 |
| Noninterest income to average assets | 1.2683% | 952 |
| Noninterest expense to average assets | 2.4387% | 4,984 |
| Loan and lease loss provision to assets | 0.0778% | 3,339 |
| Net operating income to assets | 2.9343% | 112 |
| Return on assets (ROA) | 2.9343% | 118 |
| Pretax return on assets | 2.9343% | 165 |
| Return on Equity (ROE) | 30.9966% | 69 |
| Retained earnings to average equity (ytd only) | 14.4315% | 405 |
| Net charge-offs to loans | 0.0020% | 4,129 |
| Credit loss provision to net charge-offs | 6,200.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 2,401.0000% | 4 |
| Efficiency ratio | 44.7411% | 6,743 |
| Assets per employee ($millions) | 3.5924% | 4,799 |
| Cash dividends to net income (ytd only)* | 53.4416% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 5,417 |
| Loan loss allowance to noncurrent loans | 309.6732% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 5,683 |
| Noncurrent loans to loans | 0.3706% | 5,475 |
| Net loans and leases to total assets | 63.8274% | 2,741 |
| Net loans and leases to deposits | 76.1312% | 2,616 |
| Net loans and leases to core deposits | 97.7754% | 1,095 |
| Total domestic deposits to total assets | 83.8387% | 4,544 |
| Equity capital to assets | 9.6109% | 4,695 |
| Core capital (leverage) ratio | 9.7200% | 3,770 |
| Tier 1 risk-based capital ratio | 14.6707% | 4,055 |
| Total risk-based capital ratio | 15.8018% | 4,102 |
| Memoranda: | ||
| Average total assets | $318,852,000 | 2,053 |
| Average earning assets | $301,046,000 | 2,004 |
| Average equity | $30,184,000 | 2,280 |
| Average total loans | $198,302,000 | 2,043 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 1,616 |
| Cost of funding earning assets | 0.6612% | 3,825 |
| Net interest margin | 4.3196% | 1,357 |
| Noninterest income to average assets | 1.4454% | 750 |
| Noninterest expense to average assets | 2.7837% | 4,090 |
| Loan and lease loss provision to assets | 0.0453% | 5,274 |
| Net operating income to assets | 2.6581% | 129 |
| Return on assets (ROA) | 2.6574% | 140 |
| Pretax return on assets | 2.6574% | 205 |
| Return on Equity (ROE) | 29.3129% | 72 |
| Retained earnings to average equity (ytd only) | 11.0512% | 437 |
| Net charge-offs to loans | -0.0681% | 6,764 |
| Credit loss provision to net charge-offs | -107.5758% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7322% | 6,539 |
| Assets per employee ($millions) | 3.6550% | 4,662 |
| Cash dividends to net income (ytd only)* | 62.2990% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 5,051 |
| Loan loss allowance to noncurrent loans | 1,007.8603% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 6,145 |
| Noncurrent loans to loans | 0.1204% | 6,175 |
| Net loans and leases to total assets | 59.0778% | 3,777 |
| Net loans and leases to deposits | 70.3346% | 3,663 |
| Net loans and leases to core deposits | 89.9117% | 1,843 |
| Total domestic deposits to total assets | 83.9954% | 4,314 |
| Equity capital to assets | 9.3212% | 5,123 |
| Core capital (leverage) ratio | 9.4636% | 4,163 |
| Tier 1 risk-based capital ratio | 15.2261% | 3,598 |
| Total risk-based capital ratio | 16.4117% | 3,577 |
| Memoranda: | ||
| Average total assets | $313,612,200 | 2,045 |
| Average earning assets | $293,427,000 | 2,013 |
| Average equity | $28,431,200 | 2,357 |
| Average total loans | $193,805,400 | 2,060 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0738% | 1,488 |
| Cost of funding earning assets | 0.6926% | 3,835 |
| Net interest margin | 4.3812% | 1,247 |
| Noninterest income to average assets | 1.3776% | 788 |
| Noninterest expense to average assets | 2.8934% | 3,622 |
| Loan and lease loss provision to assets | 0.0435% | 5,232 |
| Net operating income to assets | 2.5316% | 163 |
| Return on assets (ROA) | 2.5316% | 174 |
| Pretax return on assets | 2.5316% | 275 |
| Return on Equity (ROE) | 28.1268% | 97 |
| Retained earnings to average equity (ytd only) | 13.8549% | 314 |
| Net charge-offs to loans | -0.0719% | 6,790 |
| Credit loss provision to net charge-offs | -97.1429% | 6,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9100% | 6,363 |
| Assets per employee ($millions) | 3.6001% | 4,755 |
| Cash dividends to net income (ytd only)* | 50.7416% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,410 |
| Loan loss allowance to noncurrent loans | 591.2929% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.7139% | 4,901 |
| Noncurrent loans to loans | 0.1986% | 6,116 |
| Net loans and leases to total assets | 60.2028% | 3,737 |
| Net loans and leases to deposits | 72.6995% | 3,498 |
| Net loans and leases to core deposits | 96.2478% | 1,395 |
| Total domestic deposits to total assets | 82.8104% | 4,720 |
| Equity capital to assets | 9.3933% | 5,349 |
| Core capital (leverage) ratio | 9.5032% | 4,263 |
| Tier 1 risk-based capital ratio | 14.6951% | 4,055 |
| Total risk-based capital ratio | 15.8145% | 4,110 |
| Memoranda: | ||
| Average total assets | $312,519,250 | 2,077 |
| Average earning assets | $291,818,500 | 2,048 |
| Average equity | $28,129,000 | 2,403 |
| Average total loans | $194,715,250 | 2,081 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1343% | 1,412 |
| Cost of funding earning assets | 0.7262% | 3,797 |
| Net interest margin | 4.4081% | 1,179 |
| Noninterest income to average assets | 1.2629% | 898 |
| Noninterest expense to average assets | 2.9229% | 3,529 |
| Loan and lease loss provision to assets | 0.0269% | 5,329 |
| Net operating income to assets | 2.4260% | 195 |
| Return on assets (ROA) | 2.4260% | 225 |
| Pretax return on assets | 2.4260% | 332 |
| Return on Equity (ROE) | 27.3518% | 111 |
| Retained earnings to average equity (ytd only) | 12.9033% | 446 |
| Net charge-offs to loans | -0.1612% | 6,963 |
| Credit loss provision to net charge-offs | -26.5823% | 5,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3722% | 6,285 |
| Assets per employee ($millions) | 3.5002% | 4,984 |
| Cash dividends to net income (ytd only)* | 52.8247% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,587 |
| Loan loss allowance to noncurrent loans | 422.3062% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 5,007 |
| Noncurrent loans to loans | 0.2712% | 6,038 |
| Net loans and leases to total assets | 62.5972% | 3,311 |
| Net loans and leases to deposits | 76.1786% | 2,965 |
| Net loans and leases to core deposits | 100.7335% | 1,052 |
| Total domestic deposits to total assets | 82.1716% | 5,065 |
| Equity capital to assets | 9.1830% | 5,478 |
| Core capital (leverage) ratio | 8.9225% | 5,019 |
| Tier 1 risk-based capital ratio | 13.8911% | 4,533 |
| Total risk-based capital ratio | 14.9883% | 4,609 |
| Memoranda: | ||
| Average total assets | $312,288,000 | 2,076 |
| Average earning assets | $291,371,000 | 2,042 |
| Average equity | $27,698,330 | 2,423 |
| Average total loans | $196,019,000 | 2,065 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0593% | 1,690 |
| Cost of funding earning assets | 0.7475% | 3,881 |
| Net interest margin | 4.3118% | 1,431 |
| Noninterest income to average assets | 1.2060% | 990 |
| Noninterest expense to average assets | 2.9171% | 3,551 |
| Loan and lease loss provision to assets | 0.0013% | 5,245 |
| Net operating income to assets | 2.3090% | 241 |
| Return on assets (ROA) | 2.3090% | 290 |
| Pretax return on assets | 2.3090% | 450 |
| Return on Equity (ROE) | 26.4915% | 148 |
| Retained earnings to average equity (ytd only) | 26.4915% | 75 |
| Net charge-offs to loans | 0.0020% | 4,720 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 1,816.0000% | 6 |
| Efficiency ratio | 55.8043% | 6,144 |
| Assets per employee ($millions) | 3.8335% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 6,084 |
| Loan loss allowance to noncurrent loans | 265.5352% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.7491% | 5,051 |
| Noncurrent loans to loans | 0.3950% | 5,886 |
| Net loans and leases to total assets | 58.8876% | 3,886 |
| Net loans and leases to deposits | 71.4133% | 3,524 |
| Net loans and leases to core deposits | 96.9821% | 1,202 |
| Total domestic deposits to total assets | 82.4602% | 5,140 |
| Equity capital to assets | 8.6890% | 5,886 |
| Core capital (leverage) ratio | 9.0485% | 4,768 |
| Tier 1 risk-based capital ratio | 14.0240% | 4,460 |
| Total risk-based capital ratio | 15.0315% | 4,606 |
| Memoranda: | ||
| Average total assets | $314,425,000 | 2,063 |
| Average earning assets | $293,240,000 | 2,032 |
| Average equity | $27,405,000 | 2,442 |
| Average total loans | $196,507,500 | 2,065 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 2,277 |
| Cost of funding earning assets | 0.8850% | 4,220 |
| Net interest margin | 4.2577% | 1,847 |
| Noninterest income to average assets | 0.9572% | 1,483 |
| Noninterest expense to average assets | 2.4826% | 5,525 |
| Loan and lease loss provision to assets | 0.1539% | 4,697 |
| Net operating income to assets | 2.2981% | 187 |
| Return on assets (ROA) | 2.2981% | 200 |
| Pretax return on assets | 2.2981% | 302 |
| Return on Equity (ROE) | 27.9656% | 58 |
| Retained earnings to average equity (ytd only) | 10.3745% | 496 |
| Net charge-offs to loans | 0.2088% | 4,490 |
| Credit loss provision to net charge-offs | 116.3017% | 2,788 |
| Earnings coverage of net charge-offs (x) | 18.5304% | 1,215 |
| Efficiency ratio | 50.3099% | 6,813 |
| Assets per employee ($millions) | 3.6072% | 4,756 |
| Cash dividends to net income (ytd only)* | 62.9028% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 6,108 |
| Loan loss allowance to noncurrent loans | 207.5510% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9884% | 4,630 |
| Noncurrent loans to loans | 0.4922% | 5,725 |
| Net loans and leases to total assets | 65.0369% | 2,982 |
| Net loans and leases to deposits | 79.5664% | 2,601 |
| Net loans and leases to core deposits | 110.3043% | 612 |
| Total domestic deposits to total assets | 81.7391% | 5,216 |
| Equity capital to assets | 8.7448% | 5,853 |
| Core capital (leverage) ratio | 8.6945% | 5,258 |
| Tier 1 risk-based capital ratio | 13.0301% | 5,045 |
| Total risk-based capital ratio | 14.0303% | 5,238 |
| Memoranda: | ||
| Average total assets | $310,608,000 | 2,064 |
| Average earning assets | $290,153,800 | 2,021 |
| Average equity | $25,524,200 | 2,520 |
| Average total loans | $196,842,200 | 2,069 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1097% | 2,559 |
| Cost of funding earning assets | 0.9056% | 4,359 |
| Net interest margin | 4.2041% | 2,083 |
| Noninterest income to average assets | 0.8917% | 1,680 |
| Noninterest expense to average assets | 2.3700% | 5,850 |
| Loan and lease loss provision to assets | 0.1728% | 4,311 |
| Net operating income to assets | 2.2825% | 216 |
| Return on assets (ROA) | 2.2825% | 233 |
| Pretax return on assets | 2.2825% | 366 |
| Return on Equity (ROE) | 28.2155% | 72 |
| Retained earnings to average equity (ytd only) | 11.9191% | 507 |
| Net charge-offs to loans | 0.0727% | 5,232 |
| Credit loss provision to net charge-offs | 378.5047% | 751 |
| Earnings coverage of net charge-offs (x) | 53.7862% | 607 |
| Efficiency ratio | 49.1158% | 6,879 |
| Assets per employee ($millions) | 3.5638% | 4,841 |
| Cash dividends to net income (ytd only)* | 57.7570% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 5,770 |
| Loan loss allowance to noncurrent loans | 203.1390% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 4,844 |
| Noncurrent loans to loans | 0.5562% | 5,752 |
| Net loans and leases to total assets | 64.6738% | 3,171 |
| Net loans and leases to deposits | 80.0070% | 2,653 |
| Net loans and leases to core deposits | 110.7285% | 643 |
| Total domestic deposits to total assets | 80.8352% | 5,488 |
| Equity capital to assets | 8.5192% | 6,278 |
| Core capital (leverage) ratio | 8.4033% | 5,846 |
| Tier 1 risk-based capital ratio | 12.4782% | 5,504 |
| Total risk-based capital ratio | 13.5607% | 5,646 |
| Memoranda: | ||
| Average total assets | $312,509,500 | 2,060 |
| Average earning assets | $292,403,000 | 2,010 |
| Average equity | $25,281,000 | 2,543 |
| Average total loans | $196,278,500 | 2,094 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0998% | 2,686 |
| Cost of funding earning assets | 0.9220% | 4,508 |
| Net interest margin | 4.1778% | 2,130 |
| Noninterest income to average assets | 0.7752% | 2,131 |
| Noninterest expense to average assets | 2.1576% | 6,489 |
| Loan and lease loss provision to assets | 0.1933% | 3,993 |
| Net operating income to assets | 2.3344% | 207 |
| Return on assets (ROA) | 2.3344% | 223 |
| Pretax return on assets | 2.3344% | 327 |
| Return on Equity (ROE) | 29.3625% | 76 |
| Retained earnings to average equity (ytd only) | 12.9656% | 393 |
| Net charge-offs to loans | 0.0041% | 5,827 |
| Credit loss provision to net charge-offs | 7,600.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 993.7500% | 22 |
| Efficiency ratio | 46.0505% | 7,152 |
| Assets per employee ($millions) | 3.5208% | 4,893 |
| Cash dividends to net income (ytd only)* | 55.8431% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 5,796 |
| Loan loss allowance to noncurrent loans | 131.0405% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 4,668 |
| Noncurrent loans to loans | 0.8697% | 5,217 |
| Net loans and leases to total assets | 62.0611% | 3,875 |
| Net loans and leases to deposits | 75.9958% | 3,473 |
| Net loans and leases to core deposits | 103.1757% | 1,106 |
| Total domestic deposits to total assets | 81.6639% | 5,286 |
| Equity capital to assets | 8.0382% | 6,654 |
| Core capital (leverage) ratio | 8.0923% | 6,175 |
| Tier 1 risk-based capital ratio | 12.3103% | 5,514 |
| Total risk-based capital ratio | 13.4060% | 5,638 |
| Memoranda: | ||
| Average total assets | $314,518,000 | 2,049 |
| Average earning assets | $294,366,330 | 2,010 |
| Average equity | $25,004,670 | 2,558 |
| Average total loans | $194,878,000 | 2,128 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1272% | 2,527 |
| Cost of funding earning assets | 0.9400% | 4,647 |
| Net interest margin | 4.1872% | 1,938 |
| Noninterest income to average assets | 0.6242% | 3,011 |
| Noninterest expense to average assets | 1.9940% | 6,835 |
| Loan and lease loss provision to assets | 0.1953% | 3,672 |
| Net operating income to assets | 2.3527% | 212 |
| Return on assets (ROA) | 2.3527% | 221 |
| Pretax return on assets | 2.3527% | 313 |
| Return on Equity (ROE) | 29.7600% | 83 |
| Retained earnings to average equity (ytd only) | 29.7600% | 58 |
| Net charge-offs to loans | 0.0041% | 5,071 |
| Credit loss provision to net charge-offs | 7,650.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 998.0000% | 10 |
| Efficiency ratio | 43.9011% | 7,282 |
| Assets per employee ($millions) | 3.5963% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 6,073 |
| Loan loss allowance to noncurrent loans | 156.1947% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.9860% | 4,935 |
| Noncurrent loans to loans | 0.7003% | 5,618 |
| Net loans and leases to total assets | 59.8313% | 4,299 |
| Net loans and leases to deposits | 73.2923% | 3,875 |
| Net loans and leases to core deposits | 95.7744% | 1,690 |
| Total domestic deposits to total assets | 81.6339% | 5,444 |
| Equity capital to assets | 8.0274% | 6,466 |
| Core capital (leverage) ratio | 8.0710% | 6,161 |
| Tier 1 risk-based capital ratio | 12.5587% | 5,205 |
| Total risk-based capital ratio | 13.5940% | 5,397 |
| Memoranda: | ||
| Average total assets | $313,340,500 | 2,079 |
| Average earning assets | $293,182,500 | 2,034 |
| Average equity | $24,771,500 | 2,565 |
| Average total loans | $192,856,000 | 2,173 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4627% | 2,425 |
| Cost of funding earning assets | 1.0681% | 5,329 |
| Net interest margin | 4.3945% | 1,492 |
| Noninterest income to average assets | 0.7453% | 2,562 |
| Noninterest expense to average assets | 2.3237% | 6,291 |
| Loan and lease loss provision to assets | 0.1629% | 5,584 |
| Net operating income to assets | 2.3515% | 145 |
| Return on assets (ROA) | 2.3485% | 153 |
| Pretax return on assets | 2.3485% | 237 |
| Return on Equity (ROE) | 30.1413% | 41 |
| Retained earnings to average equity (ytd only) | 7.6053% | 1,116 |
| Net charge-offs to loans | 0.2449% | 4,820 |
| Credit loss provision to net charge-offs | 101.0246% | 4,494 |
| Earnings coverage of net charge-offs (x) | 15.5902% | 1,272 |
| Efficiency ratio | 48.0292% | 7,264 |
| Assets per employee ($millions) | 3.4451% | 5,070 |
| Cash dividends to net income (ytd only)* | 74.7678% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 6,266 |
| Loan loss allowance to noncurrent loans | 142.4330% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.0375% | 4,922 |
| Noncurrent loans to loans | 0.7189% | 5,607 |
| Net loans and leases to total assets | 62.0085% | 4,283 |
| Net loans and leases to deposits | 76.2646% | 3,796 |
| Net loans and leases to core deposits | 101.2536% | 1,514 |
| Total domestic deposits to total assets | 81.3071% | 5,417 |
| Equity capital to assets | 7.7785% | 6,687 |
| Core capital (leverage) ratio | 7.9330% | 6,284 |
| Tier 1 risk-based capital ratio | 11.6974% | 5,729 |
| Total risk-based capital ratio | 12.6622% | 5,979 |
| Memoranda: | ||
| Average total assets | $302,578,000 | 2,138 |
| Average earning assets | $281,804,600 | 2,096 |
| Average equity | $23,575,600 | 2,696 |
| Average total loans | $199,272,200 | 2,160 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5396% | 2,292 |
| Cost of funding earning assets | 1.1037% | 5,396 |
| Net interest margin | 4.4359% | 1,411 |
| Noninterest income to average assets | 0.7467% | 2,534 |
| Noninterest expense to average assets | 2.1920% | 6,625 |
| Loan and lease loss provision to assets | 0.1963% | 5,074 |
| Net operating income to assets | 2.4843% | 136 |
| Return on assets (ROA) | 2.4843% | 141 |
| Pretax return on assets | 2.4843% | 230 |
| Return on Equity (ROE) | 31.8705% | 39 |
| Retained earnings to average equity (ytd only) | 13.0795% | 341 |
| Net charge-offs to loans | 0.2162% | 4,643 |
| Credit loss provision to net charge-offs | 136.1963% | 2,942 |
| Earnings coverage of net charge-offs (x) | 18.5980% | 1,250 |
| Efficiency ratio | 44.9868% | 7,427 |
| Assets per employee ($millions) | 3.2320% | 5,608 |
| Cash dividends to net income (ytd only)* | 58.9607% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 6,258 |
| Loan loss allowance to noncurrent loans | 130.9824% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.3107% | 4,528 |
| Noncurrent loans to loans | 0.7879% | 5,635 |
| Net loans and leases to total assets | 67.8236% | 3,257 |
| Net loans and leases to deposits | 83.8381% | 2,731 |
| Net loans and leases to core deposits | 113.2859% | 872 |
| Total domestic deposits to total assets | 80.8983% | 5,414 |
| Equity capital to assets | 8.2836% | 6,527 |
| Core capital (leverage) ratio | 7.9928% | 6,354 |
| Tier 1 risk-based capital ratio | 11.4776% | 5,959 |
| Total risk-based capital ratio | 12.4575% | 6,179 |
| Memoranda: | ||
| Average total assets | $301,569,250 | 2,175 |
| Average earning assets | $280,492,750 | 2,142 |
| Average equity | $23,507,000 | 2,748 |
| Average total loans | $201,067,000 | 2,178 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5233% | 2,430 |
| Cost of funding earning assets | 1.1281% | 5,535 |
| Net interest margin | 4.3952% | 1,462 |
| Noninterest income to average assets | 0.7407% | 2,452 |
| Noninterest expense to average assets | 2.1141% | 6,856 |
| Loan and lease loss provision to assets | 0.1934% | 4,944 |
| Net operating income to assets | 2.5259% | 132 |
| Return on assets (ROA) | 2.5259% | 136 |
| Pretax return on assets | 2.5259% | 223 |
| Return on Equity (ROE) | 33.0726% | 40 |
| Retained earnings to average equity (ytd only) | 14.0558% | 306 |
| Net charge-offs to loans | 0.3196% | 3,724 |
| Credit loss provision to net charge-offs | 91.5888% | 4,378 |
| Earnings coverage of net charge-offs (x) | 12.8785% | 1,636 |
| Efficiency ratio | 43.7398% | 7,530 |
| Assets per employee ($millions) | 3.2191% | 5,636 |
| Cash dividends to net income (ytd only)* | 57.5000% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 6,514 |
| Loan loss allowance to noncurrent loans | 198.8695% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 1.0048% | 5,138 |
| Noncurrent loans to loans | 0.4886% | 6,269 |
| Net loans and leases to total assets | 64.4818% | 4,163 |
| Net loans and leases to deposits | 79.8909% | 3,614 |
| Net loans and leases to core deposits | 106.2999% | 1,413 |
| Total domestic deposits to total assets | 80.7124% | 5,506 |
| Equity capital to assets | 7.7461% | 6,964 |
| Core capital (leverage) ratio | 7.6597% | 6,663 |
| Tier 1 risk-based capital ratio | 11.2665% | 5,980 |
| Total risk-based capital ratio | 12.1868% | 6,290 |
| Memoranda: | ||
| Average total assets | $304,055,670 | 2,177 |
| Average earning assets | $283,125,670 | 2,131 |
| Average equity | $23,221,670 | 2,768 |
| Average total loans | $200,904,000 | 2,207 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4283% | 2,904 |
| Cost of funding earning assets | 1.1526% | 5,648 |
| Net interest margin | 4.2757% | 1,766 |
| Noninterest income to average assets | 0.7045% | 2,568 |
| Noninterest expense to average assets | 2.0543% | 7,051 |
| Loan and lease loss provision to assets | 0.1874% | 4,633 |
| Net operating income to assets | 2.4567% | 159 |
| Return on assets (ROA) | 2.4567% | 174 |
| Pretax return on assets | 2.4567% | 267 |
| Return on Equity (ROE) | 32.3995% | 70 |
| Retained earnings to average equity (ytd only) | 32.3995% | 52 |
| Net charge-offs to loans | -0.0020% | 6,763 |
| Credit loss provision to net charge-offs | -14,200.0000% | 6,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7237% | 7,630 |
| Assets per employee ($millions) | 3.3301% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 6,239 |
| Loan loss allowance to noncurrent loans | 62.0212% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 4,957 |
| Noncurrent loans to loans | 1.6904% | 4,209 |
| Net loans and leases to total assets | 64.1505% | 4,297 |
| Net loans and leases to deposits | 79.3935% | 3,763 |
| Net loans and leases to core deposits | 107.8234% | 1,431 |
| Total domestic deposits to total assets | 80.8008% | 5,519 |
| Equity capital to assets | 7.7234% | 6,908 |
| Core capital (leverage) ratio | 7.8428% | 6,445 |
| Tier 1 risk-based capital ratio | 11.3883% | 5,779 |
| Total risk-based capital ratio | 12.3906% | 5,983 |
| Memoranda: | ||
| Average total assets | $303,174,500 | 2,230 |
| Average earning assets | $283,183,500 | 2,190 |
| Average equity | $22,988,000 | 2,821 |
| Average total loans | $201,790,000 | 2,259 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7928% | 2,689 |
| Cost of funding earning assets | 1.5154% | 5,454 |
| Net interest margin | 4.2774% | 1,789 |
| Noninterest income to average assets | 0.8938% | 1,964 |
| Noninterest expense to average assets | 2.2084% | 6,971 |
| Loan and lease loss provision to assets | 0.1436% | 6,205 |
| Net operating income to assets | 2.5416% | 83 |
| Return on assets (ROA) | 2.5381% | 93 |
| Pretax return on assets | 2.5381% | 151 |
| Return on Equity (ROE) | 34.2588% | 30 |
| Retained earnings to average equity (ytd only) | 12.7197% | 168 |
| Net charge-offs to loans | 0.0039% | 7,192 |
| Credit loss provision to net charge-offs | 5,785.7143% | 65 |
| Earnings coverage of net charge-offs (x) | 1,082.0000% | 22 |
| Efficiency ratio | 45.1279% | 7,747 |
| Assets per employee ($millions) | 3.1227% | 5,936 |
| Cash dividends to net income (ytd only)* | 62.8719% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 6,545 |
| Loan loss allowance to noncurrent loans | 37.6078% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 1.7586% | 3,735 |
| Noncurrent loans to loans | 2.5724% | 2,984 |
| Net loans and leases to total assets | 67.7024% | 3,766 |
| Net loans and leases to deposits | 84.1241% | 3,234 |
| Net loans and leases to core deposits | 142.2303% | 727 |
| Total domestic deposits to total assets | 80.4793% | 5,523 |
| Equity capital to assets | 7.4353% | 7,090 |
| Core capital (leverage) ratio | 7.4187% | 6,867 |
| Tier 1 risk-based capital ratio | 10.4897% | 6,407 |
| Total risk-based capital ratio | 11.4228% | 6,680 |
| Memoranda: | ||
| Average total assets | $282,064,800 | 2,331 |
| Average earning assets | $263,756,800 | 2,295 |
| Average equity | $20,896,800 | 3,085 |
| Average total loans | $181,396,600 | 2,497 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8049% | 2,871 |
| Cost of funding earning assets | 1.5920% | 5,439 |
| Net interest margin | 4.2130% | 2,001 |
| Noninterest income to average assets | 0.9123% | 1,929 |
| Noninterest expense to average assets | 2.1626% | 7,069 |
| Loan and lease loss provision to assets | 0.1101% | 6,271 |
| Net operating income to assets | 2.5821% | 93 |
| Return on assets (ROA) | 2.5821% | 102 |
| Pretax return on assets | 2.5821% | 171 |
| Return on Equity (ROE) | 34.8874% | 36 |
| Retained earnings to average equity (ytd only) | 11.5881% | 397 |
| Net charge-offs to loans | 0.0015% | 6,973 |
| Credit loss provision to net charge-offs | 11,500.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 2,807.4195% | 4 |
| Efficiency ratio | 44.5453% | 7,817 |
| Assets per employee ($millions) | 2.9886% | 6,190 |
| Cash dividends to net income (ytd only)* | 66.7841% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 6,427 |
| Loan loss allowance to noncurrent loans | 54.3103% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.1848% | 4,707 |
| Noncurrent loans to loans | 1.7906% | 3,929 |
| Net loans and leases to total assets | 65.5281% | 4,529 |
| Net loans and leases to deposits | 82.2303% | 3,975 |
| Net loans and leases to core deposits | 135.5408% | 1,121 |
| Total domestic deposits to total assets | 79.6885% | 5,564 |
| Equity capital to assets | 7.4634% | 7,326 |
| Core capital (leverage) ratio | 7.2945% | 7,192 |
| Tier 1 risk-based capital ratio | 10.7661% | 6,196 |
| Total risk-based capital ratio | 11.6944% | 6,478 |
| Memoranda: | ||
| Average total assets | $278,417,500 | 2,374 |
| Average earning assets | $260,553,250 | 2,334 |
| Average equity | $20,606,750 | 3,157 |
| Average total loans | $176,044,750 | 2,592 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7429% | 3,327 |
| Cost of funding earning assets | 1.6585% | 5,476 |
| Net interest margin | 4.0844% | 2,377 |
| Noninterest income to average assets | 0.9285% | 1,854 |
| Noninterest expense to average assets | 2.0941% | 7,288 |
| Loan and lease loss provision to assets | 0.1114% | 6,032 |
| Net operating income to assets | 2.5446% | 104 |
| Return on assets (ROA) | 2.5446% | 115 |
| Pretax return on assets | 2.5446% | 196 |
| Return on Equity (ROE) | 34.4792% | 42 |
| Retained earnings to average equity (ytd only) | 12.4239% | 386 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0859% | 7,920 |
| Assets per employee ($millions) | 2.9523% | 6,261 |
| Cash dividends to net income (ytd only)* | 63.9670% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 6,349 |
| Loan loss allowance to noncurrent loans | 69.7102% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 5,230 |
| Noncurrent loans to loans | 1.4139% | 4,385 |
| Net loans and leases to total assets | 61.6006% | 5,425 |
| Net loans and leases to deposits | 76.5976% | 5,085 |
| Net loans and leases to core deposits | 126.1153% | 1,862 |
| Total domestic deposits to total assets | 80.4211% | 5,310 |
| Equity capital to assets | 7.2169% | 7,471 |
| Core capital (leverage) ratio | 7.2388% | 7,315 |
| Tier 1 risk-based capital ratio | 10.9864% | 5,885 |
| Total risk-based capital ratio | 11.9199% | 6,148 |
| Memoranda: | ||
| Average total assets | $276,584,000 | 2,407 |
| Average earning assets | $258,790,670 | 2,364 |
| Average equity | $20,412,330 | 3,187 |
| Average total loans | $172,102,000 | 2,660 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8259% | 3,168 |
| Cost of funding earning assets | 1.6976% | 5,610 |
| Net interest margin | 4.1282% | 2,177 |
| Noninterest income to average assets | 0.9820% | 1,537 |
| Noninterest expense to average assets | 2.1127% | 7,088 |
| Loan and lease loss provision to assets | 0.1163% | 5,483 |
| Net operating income to assets | 2.6088% | 107 |
| Return on assets (ROA) | 2.6088% | 133 |
| Pretax return on assets | 2.6088% | 213 |
| Return on Equity (ROE) | 34.9421% | 58 |
| Retained earnings to average equity (ytd only) | 34.9421% | 34 |
| Net charge-offs to loans | -0.0024% | 7,120 |
| Credit loss provision to net charge-offs | -7,900.0000% | 6,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6701% | 7,944 |
| Assets per employee ($millions) | 3.0759% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 5,921 |
| Loan loss allowance to noncurrent loans | 136.7521% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 6,071 |
| Noncurrent loans to loans | 0.7542% | 5,539 |
| Net loans and leases to total assets | 61.0031% | 5,496 |
| Net loans and leases to deposits | 76.7066% | 5,125 |
| Net loans and leases to core deposits | 121.9781% | 2,260 |
| Total domestic deposits to total assets | 79.5279% | 5,535 |
| Equity capital to assets | 7.6477% | 7,225 |
| Core capital (leverage) ratio | 7.6398% | 6,972 |
| Tier 1 risk-based capital ratio | 11.7922% | 5,134 |
| Total risk-based capital ratio | 12.7725% | 5,283 |
| Memoranda: | ||
| Average total assets | $271,691,500 | 2,447 |
| Average earning assets | $253,764,000 | 2,417 |
| Average equity | $20,285,000 | 3,223 |
| Average total loans | $169,072,500 | 2,714 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4494% | 3,190 |
| Cost of funding earning assets | 2.1536% | 5,812 |
| Net interest margin | 4.2957% | 1,992 |
| Noninterest income to average assets | 0.9636% | 1,718 |
| Noninterest expense to average assets | 2.5449% | 5,839 |
| Loan and lease loss provision to assets | 0.1101% | 5,961 |
| Net operating income to assets | 2.2737% | 206 |
| Return on assets (ROA) | 2.2729% | 202 |
| Pretax return on assets | 2.2729% | 334 |
| Return on Equity (ROE) | 29.9559% | 60 |
| Retained earnings to average equity (ytd only) | 4.9996% | 2,028 |
| Net charge-offs to loans | 0.1800% | 4,396 |
| Credit loss provision to net charge-offs | 97.8947% | 5,449 |
| Earnings coverage of net charge-offs (x) | 21.1895% | 1,541 |
| Efficiency ratio | 51.6338% | 7,526 |
| Assets per employee ($millions) | 2.9617% | 6,145 |
| Cash dividends to net income (ytd only)* | 83.3102% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 6,023 |
| Loan loss allowance to noncurrent loans | 131.5583% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 5,781 |
| Noncurrent loans to loans | 0.7623% | 5,130 |
| Net loans and leases to total assets | 62.2128% | 5,592 |
| Net loans and leases to deposits | 78.4797% | 5,274 |
| Net loans and leases to core deposits | 119.6223% | 2,730 |
| Total domestic deposits to total assets | 79.2724% | 5,273 |
| Equity capital to assets | 7.2777% | 7,575 |
| Core capital (leverage) ratio | 7.2209% | 7,506 |
| Tier 1 risk-based capital ratio | 10.8586% | 5,855 |
| Total risk-based capital ratio | 11.7990% | 6,058 |
| Memoranda: | ||
| Average total assets | $253,327,800 | 2,529 |
| Average earning assets | $233,835,800 | 2,521 |
| Average equity | $19,221,600 | 3,360 |
| Average total loans | $158,338,000 | 2,797 |