Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5634% | 5,543 |
| Cost of funding earning assets | 0.5559% | 3,204 |
| Net interest margin | 3.0075% | 5,571 |
| Noninterest income to average assets | 0.6024% | 3,134 |
| Noninterest expense to average assets | 2.9786% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2443% | 5,797 |
| Return on assets (ROA) | 0.3959% | 5,397 |
| Pretax return on assets | 0.5062% | 5,338 |
| Return on Equity (ROE) | 3.4788% | 5,443 |
| Retained earnings to average equity (ytd only) | 1.7415% | 5,269 |
| Net charge-offs to loans | -0.0009% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1559% | 1,073 |
| Assets per employee ($millions) | 4.1637% | 3,493 |
| Cash dividends to net income (ytd only)* | 49.9385% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 2,609 |
| Loan loss allowance to noncurrent loans | 125.3928% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9123% | 3,852 |
| Noncurrent loans to loans | 1.3597% | 3,146 |
| Net loans and leases to total assets | 65.9476% | 2,650 |
| Net loans and leases to deposits | 75.6974% | 3,000 |
| Net loans and leases to core deposits | 76.9114% | 3,511 |
| Total domestic deposits to total assets | 87.1200% | 2,625 |
| Equity capital to assets | 12.0146% | 1,909 |
| Core capital (leverage) ratio | 10.0945% | 3,530 |
| Tier 1 risk-based capital ratio | 12.9153% | 5,184 |
| Total risk-based capital ratio | 14.1689% | 5,119 |
| Memoranda: | ||
| Average total assets | $273,142,500 | 2,327 |
| Average earning assets | $244,143,000 | 2,402 |
| Average equity | $31,083,000 | 2,207 |
| Average total loans | $155,336,250 | 2,499 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 5,625 |
| Cost of funding earning assets | 0.5679% | 3,236 |
| Net interest margin | 2.9637% | 5,665 |
| Noninterest income to average assets | 0.5839% | 3,296 |
| Noninterest expense to average assets | 3.0388% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1780% | 5,961 |
| Return on assets (ROA) | 0.2812% | 5,798 |
| Pretax return on assets | 0.3193% | 5,821 |
| Return on Equity (ROE) | 2.5140% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.2667% | 5,391 |
| Net charge-offs to loans | -0.0054% | 5,649 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4118% | 867 |
| Assets per employee ($millions) | 3.7539% | 4,294 |
| Cash dividends to net income (ytd only)* | 49.6164% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9581% | 1,945 |
| Loan loss allowance to noncurrent loans | 116.0126% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.9560% | 3,870 |
| Noncurrent loans to loans | 1.6878% | 2,786 |
| Net loans and leases to total assets | 55.5323% | 4,363 |
| Net loans and leases to deposits | 63.2589% | 4,591 |
| Net loans and leases to core deposits | 64.4261% | 4,850 |
| Total domestic deposits to total assets | 87.7858% | 2,392 |
| Equity capital to assets | 11.5407% | 2,257 |
| Core capital (leverage) ratio | 9.3615% | 4,450 |
| Tier 1 risk-based capital ratio | 13.8005% | 4,565 |
| Total risk-based capital ratio | 15.0559% | 4,528 |
| Memoranda: | ||
| Average total assets | $278,139,330 | 2,301 |
| Average earning assets | $249,348,670 | 2,351 |
| Average equity | $31,105,330 | 2,209 |
| Average total loans | $149,382,330 | 2,583 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 5,490 |
| Cost of funding earning assets | 0.5839% | 3,265 |
| Net interest margin | 3.0000% | 5,571 |
| Noninterest income to average assets | 0.5691% | 3,310 |
| Noninterest expense to average assets | 3.0161% | 2,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2282% | 5,797 |
| Return on assets (ROA) | 0.2282% | 5,923 |
| Pretax return on assets | 0.2381% | 5,997 |
| Return on Equity (ROE) | 2.0717% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.1254% | 5,401 |
| Net charge-offs to loans | -0.0027% | 5,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3420% | 1,040 |
| Assets per employee ($millions) | 3.8725% | 4,204 |
| Cash dividends to net income (ytd only)* | 45.6790% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0401% | 1,938 |
| Loan loss allowance to noncurrent loans | 99.4611% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.0503% | 3,833 |
| Noncurrent loans to loans | 2.0511% | 2,565 |
| Net loans and leases to total assets | 50.1590% | 4,977 |
| Net loans and leases to deposits | 56.8767% | 5,151 |
| Net loans and leases to core deposits | 58.4817% | 5,294 |
| Total domestic deposits to total assets | 88.1890% | 2,203 |
| Equity capital to assets | 11.0717% | 2,878 |
| Core capital (leverage) ratio | 8.9862% | 4,908 |
| Tier 1 risk-based capital ratio | 14.7560% | 3,992 |
| Total risk-based capital ratio | 16.0128% | 3,958 |
| Memoranda: | ||
| Average total assets | $283,946,000 | 2,297 |
| Average earning assets | $254,133,500 | 2,336 |
| Average equity | $31,278,500 | 2,224 |
| Average total loans | $148,591,500 | 2,603 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 4,885 |
| Cost of funding earning assets | 0.8006% | 2,663 |
| Net interest margin | 3.3188% | 5,189 |
| Noninterest income to average assets | 0.5007% | 3,896 |
| Noninterest expense to average assets | 2.9989% | 3,276 |
| Loan and lease loss provision to assets | 0.0675% | 4,907 |
| Net operating income to assets | 0.3250% | 5,380 |
| Return on assets (ROA) | 0.3257% | 5,591 |
| Pretax return on assets | 0.3853% | 5,609 |
| Return on Equity (ROE) | 2.8019% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.7890% | 4,281 |
| Net charge-offs to loans | -0.1114% | 6,843 |
| Credit loss provision to net charge-offs | -105.8824% | 6,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9579% | 1,434 |
| Assets per employee ($millions) | 3.7526% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.4603% | 4,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9366% | 2,180 |
| Loan loss allowance to noncurrent loans | 102.4644% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.1809% | 3,685 |
| Noncurrent loans to loans | 1.8900% | 2,818 |
| Net loans and leases to total assets | 52.4132% | 4,863 |
| Net loans and leases to deposits | 59.2787% | 5,097 |
| Net loans and leases to core deposits | 60.5259% | 5,318 |
| Total domestic deposits to total assets | 88.4183% | 1,950 |
| Equity capital to assets | 10.9601% | 3,002 |
| Core capital (leverage) ratio | 9.1895% | 4,598 |
| Tier 1 risk-based capital ratio | 14.1999% | 4,246 |
| Total risk-based capital ratio | 15.4562% | 4,200 |
| Memoranda: | ||
| Average total assets | $266,827,600 | 2,374 |
| Average earning assets | $237,194,800 | 2,440 |
| Average equity | $31,014,400 | 2,196 |
| Average total loans | $152,650,400 | 2,535 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 4,777 |
| Cost of funding earning assets | 0.8445% | 2,593 |
| Net interest margin | 3.3670% | 5,152 |
| Noninterest income to average assets | 0.4779% | 4,076 |
| Noninterest expense to average assets | 2.8961% | 3,614 |
| Loan and lease loss provision to assets | 0.0686% | 4,817 |
| Net operating income to assets | 0.4070% | 5,219 |
| Return on assets (ROA) | 0.4078% | 5,445 |
| Pretax return on assets | 0.5166% | 5,412 |
| Return on Equity (ROE) | 3.4546% | 5,512 |
| Retained earnings to average equity (ytd only) | 3.4546% | 4,435 |
| Net charge-offs to loans | -0.2209% | 7,008 |
| Credit loss provision to net charge-offs | -53.3597% | 6,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3959% | 1,763 |
| Assets per employee ($millions) | 3.9110% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9484% | 2,328 |
| Loan loss allowance to noncurrent loans | 58.2732% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.9014% | 2,781 |
| Noncurrent loans to loans | 3.3436% | 1,644 |
| Net loans and leases to total assets | 55.7576% | 4,493 |
| Net loans and leases to deposits | 63.8562% | 4,731 |
| Net loans and leases to core deposits | 65.1471% | 5,040 |
| Total domestic deposits to total assets | 87.3175% | 2,491 |
| Equity capital to assets | 11.6064% | 2,641 |
| Core capital (leverage) ratio | 9.8874% | 3,701 |
| Tier 1 risk-based capital ratio | 14.5388% | 4,159 |
| Total risk-based capital ratio | 15.7958% | 4,122 |
| Memoranda: | ||
| Average total assets | $262,234,750 | 2,435 |
| Average earning assets | $233,833,750 | 2,491 |
| Average equity | $30,953,500 | 2,218 |
| Average total loans | $152,704,500 | 2,562 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 4,619 |
| Cost of funding earning assets | 0.9058% | 2,352 |
| Net interest margin | 3.3822% | 5,151 |
| Noninterest income to average assets | 0.4836% | 4,031 |
| Noninterest expense to average assets | 2.9050% | 3,596 |
| Loan and lease loss provision to assets | 0.0693% | 4,761 |
| Net operating income to assets | 0.4185% | 5,154 |
| Return on assets (ROA) | 0.4197% | 5,377 |
| Pretax return on assets | 0.5245% | 5,378 |
| Return on Equity (ROE) | 3.5354% | 5,466 |
| Retained earnings to average equity (ytd only) | 3.5354% | 4,243 |
| Net charge-offs to loans | -0.0879% | 6,830 |
| Credit loss provision to net charge-offs | -134.3284% | 6,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2286% | 1,851 |
| Assets per employee ($millions) | 3.6566% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 2,856 |
| Loan loss allowance to noncurrent loans | 79.2984% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.3785% | 3,670 |
| Noncurrent loans to loans | 2.2705% | 2,651 |
| Net loans and leases to total assets | 59.6188% | 3,894 |
| Net loans and leases to deposits | 68.6221% | 4,105 |
| Net loans and leases to core deposits | 70.3727% | 4,491 |
| Total domestic deposits to total assets | 86.8799% | 2,843 |
| Equity capital to assets | 12.3195% | 1,925 |
| Core capital (leverage) ratio | 9.5882% | 4,019 |
| Tier 1 risk-based capital ratio | 14.7531% | 3,931 |
| Total risk-based capital ratio | 16.0086% | 3,888 |
| Memoranda: | ||
| Average total assets | $259,693,330 | 2,464 |
| Average earning assets | $231,389,670 | 2,509 |
| Average equity | $30,831,000 | 2,213 |
| Average total loans | $152,453,670 | 2,574 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1783% | 5,181 |
| Cost of funding earning assets | 0.9568% | 2,259 |
| Net interest margin | 3.2214% | 5,728 |
| Noninterest income to average assets | 0.4860% | 4,013 |
| Noninterest expense to average assets | 2.8703% | 3,744 |
| Loan and lease loss provision to assets | 0.0683% | 4,556 |
| Net operating income to assets | 0.3678% | 5,395 |
| Return on assets (ROA) | 0.3706% | 5,565 |
| Pretax return on assets | 0.4085% | 5,697 |
| Return on Equity (ROE) | 3.1786% | 5,639 |
| Retained earnings to average equity (ytd only) | 3.1786% | 4,659 |
| Net charge-offs to loans | 0.0289% | 4,285 |
| Credit loss provision to net charge-offs | 409.0909% | 770 |
| Earnings coverage of net charge-offs (x) | 28.3636% | 967 |
| Efficiency ratio | 84.9682% | 1,585 |
| Assets per employee ($millions) | 3.9235% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7972% | 3,004 |
| Loan loss allowance to noncurrent loans | 76.5167% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.2913% | 3,983 |
| Noncurrent loans to loans | 2.3487% | 2,748 |
| Net loans and leases to total assets | 53.9890% | 4,723 |
| Net loans and leases to deposits | 62.1258% | 4,897 |
| Net loans and leases to core deposits | 63.7732% | 5,137 |
| Total domestic deposits to total assets | 86.9027% | 3,014 |
| Equity capital to assets | 11.5448% | 2,397 |
| Core capital (leverage) ratio | 9.3630% | 4,257 |
| Tier 1 risk-based capital ratio | 15.0186% | 3,750 |
| Total risk-based capital ratio | 16.2745% | 3,698 |
| Memoranda: | ||
| Average total assets | $263,386,000 | 2,445 |
| Average earning assets | $233,686,000 | 2,502 |
| Average equity | $30,705,000 | 2,221 |
| Average total loans | $152,090,000 | 2,601 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 4,163 |
| Cost of funding earning assets | 1.0773% | 2,824 |
| Net interest margin | 3.6438% | 4,547 |
| Noninterest income to average assets | 0.5413% | 3,576 |
| Noninterest expense to average assets | 3.0519% | 3,382 |
| Loan and lease loss provision to assets | 0.3062% | 3,220 |
| Net operating income to assets | 0.3579% | 5,042 |
| Return on assets (ROA) | 0.3979% | 5,046 |
| Pretax return on assets | 0.4935% | 5,013 |
| Return on Equity (ROE) | 3.3535% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.3535% | 3,834 |
| Net charge-offs to loans | 0.5000% | 2,992 |
| Credit loss provision to net charge-offs | 97.3618% | 3,701 |
| Earnings coverage of net charge-offs (x) | 2.3857% | 4,020 |
| Efficiency ratio | 79.0606% | 2,437 |
| Assets per employee ($millions) | 3.6108% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 3,371 |
| Loan loss allowance to noncurrent loans | 90.5043% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.1151% | 4,376 |
| Noncurrent loans to loans | 1.8254% | 3,437 |
| Net loans and leases to total assets | 59.5830% | 4,063 |
| Net loans and leases to deposits | 68.9403% | 4,285 |
| Net loans and leases to core deposits | 70.3604% | 4,739 |
| Total domestic deposits to total assets | 86.4269% | 3,063 |
| Equity capital to assets | 11.7737% | 2,286 |
| Core capital (leverage) ratio | 9.2809% | 4,359 |
| Tier 1 risk-based capital ratio | 14.3716% | 4,063 |
| Total risk-based capital ratio | 15.6247% | 4,030 |
| Memoranda: | ||
| Average total assets | $253,089,800 | 2,488 |
| Average earning assets | $226,496,200 | 2,545 |
| Average equity | $30,028,600 | 2,200 |
| Average total loans | $159,198,200 | 2,508 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 4,596 |
| Cost of funding earning assets | 1.0831% | 3,089 |
| Net interest margin | 3.5858% | 4,829 |
| Noninterest income to average assets | 0.4997% | 3,875 |
| Noninterest expense to average assets | 3.0239% | 3,465 |
| Loan and lease loss provision to assets | 0.3580% | 2,717 |
| Net operating income to assets | 0.2769% | 5,481 |
| Return on assets (ROA) | 0.3299% | 5,458 |
| Pretax return on assets | 0.4116% | 5,430 |
| Return on Equity (ROE) | 2.7751% | 5,513 |
| Retained earnings to average equity (ytd only) | 2.7751% | 4,701 |
| Net charge-offs to loans | 0.6039% | 2,441 |
| Credit loss provision to net charge-offs | 93.3610% | 3,648 |
| Earnings coverage of net charge-offs (x) | 1.8340% | 4,292 |
| Efficiency ratio | 79.4649% | 2,339 |
| Assets per employee ($millions) | 3.4124% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 3,627 |
| Loan loss allowance to noncurrent loans | 62.7743% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.6294% | 3,643 |
| Noncurrent loans to loans | 2.5614% | 2,703 |
| Net loans and leases to total assets | 61.5677% | 3,824 |
| Net loans and leases to deposits | 71.5666% | 4,052 |
| Net loans and leases to core deposits | 72.9824% | 4,586 |
| Total domestic deposits to total assets | 86.0285% | 3,204 |
| Equity capital to assets | 11.8490% | 2,376 |
| Core capital (leverage) ratio | 9.2611% | 4,528 |
| Tier 1 risk-based capital ratio | 14.2490% | 4,161 |
| Total risk-based capital ratio | 15.5035% | 4,123 |
| Memoranda: | ||
| Average total assets | $251,368,000 | 2,515 |
| Average earning assets | $226,258,000 | 2,555 |
| Average equity | $29,883,500 | 2,206 |
| Average total loans | $159,621,750 | 2,521 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 4,383 |
| Cost of funding earning assets | 1.0824% | 3,372 |
| Net interest margin | 3.6498% | 4,524 |
| Noninterest income to average assets | 0.4867% | 3,964 |
| Noninterest expense to average assets | 3.0435% | 3,465 |
| Loan and lease loss provision to assets | 0.5403% | 1,802 |
| Net operating income to assets | 0.1745% | 5,817 |
| Return on assets (ROA) | 0.2626% | 5,633 |
| Pretax return on assets | 0.2986% | 5,672 |
| Return on Equity (ROE) | 2.2061% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.2061% | 4,890 |
| Net charge-offs to loans | 0.9044% | 1,722 |
| Credit loss provision to net charge-offs | 93.6200% | 3,358 |
| Earnings coverage of net charge-offs (x) | 1.2802% | 4,331 |
| Efficiency ratio | 78.8148% | 2,584 |
| Assets per employee ($millions) | 3.5054% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 3,385 |
| Loan loss allowance to noncurrent loans | 62.8077% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.6661% | 3,682 |
| Noncurrent loans to loans | 2.6775% | 2,718 |
| Net loans and leases to total assets | 59.6946% | 4,332 |
| Net loans and leases to deposits | 70.6249% | 4,350 |
| Net loans and leases to core deposits | 71.5720% | 4,870 |
| Total domestic deposits to total assets | 84.5234% | 4,108 |
| Equity capital to assets | 11.8758% | 2,192 |
| Core capital (leverage) ratio | 9.1112% | 4,549 |
| Tier 1 risk-based capital ratio | 14.3534% | 3,901 |
| Total risk-based capital ratio | 15.6078% | 3,868 |
| Memoranda: | ||
| Average total assets | $249,848,000 | 2,552 |
| Average earning assets | $225,604,000 | 2,575 |
| Average equity | $29,736,330 | 2,200 |
| Average total loans | $159,447,670 | 2,544 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 4,111 |
| Cost of funding earning assets | 1.0779% | 3,667 |
| Net interest margin | 3.7105% | 4,043 |
| Noninterest income to average assets | 0.5037% | 3,857 |
| Noninterest expense to average assets | 3.1298% | 3,143 |
| Loan and lease loss provision to assets | 0.0965% | 4,806 |
| Net operating income to assets | 0.4747% | 4,598 |
| Return on assets (ROA) | 0.4747% | 4,680 |
| Pretax return on assets | 0.6340% | 4,559 |
| Return on Equity (ROE) | 3.9841% | 4,914 |
| Retained earnings to average equity (ytd only) | 3.9841% | 3,784 |
| Net charge-offs to loans | 0.3716% | 2,578 |
| Credit loss provision to net charge-offs | 39.7351% | 3,954 |
| Earnings coverage of net charge-offs (x) | 3.0066% | 2,878 |
| Efficiency ratio | 79.4498% | 2,625 |
| Assets per employee ($millions) | 3.6226% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 3,694 |
| Loan loss allowance to noncurrent loans | 60.4008% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.6934% | 3,712 |
| Noncurrent loans to loans | 2.6624% | 2,831 |
| Net loans and leases to total assets | 61.0938% | 4,058 |
| Net loans and leases to deposits | 72.7988% | 3,945 |
| Net loans and leases to core deposits | 73.6852% | 4,566 |
| Total domestic deposits to total assets | 83.9214% | 4,519 |
| Equity capital to assets | 11.7257% | 2,102 |
| Core capital (leverage) ratio | 9.3486% | 4,053 |
| Tier 1 risk-based capital ratio | 13.9663% | 4,095 |
| Total risk-based capital ratio | 15.2200% | 4,067 |
| Memoranda: | ||
| Average total assets | $248,578,000 | 2,583 |
| Average earning assets | $224,878,000 | 2,602 |
| Average equity | $29,618,000 | 2,198 |
| Average total loans | $162,552,000 | 2,529 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1216% | 3,999 |
| Cost of funding earning assets | 1.4584% | 2,902 |
| Net interest margin | 3.6632% | 4,521 |
| Noninterest income to average assets | 0.4261% | 4,701 |
| Noninterest expense to average assets | 3.0853% | 3,524 |
| Loan and lease loss provision to assets | 0.1953% | 5,278 |
| Net operating income to assets | 0.3315% | 4,822 |
| Return on assets (ROA) | 0.3325% | 4,977 |
| Pretax return on assets | 0.4038% | 4,932 |
| Return on Equity (ROE) | 2.8956% | 4,993 |
| Retained earnings to average equity (ytd only) | 2.8956% | 3,829 |
| Net charge-offs to loans | 0.8131% | 2,604 |
| Credit loss provision to net charge-offs | 36.4583% | 6,433 |
| Earnings coverage of net charge-offs (x) | 1.1161% | 4,996 |
| Efficiency ratio | 82.0779% | 2,155 |
| Assets per employee ($millions) | 3.2050% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 3,719 |
| Loan loss allowance to noncurrent loans | 68.8451% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.5880% | 3,922 |
| Noncurrent loans to loans | 2.2726% | 3,248 |
| Net loans and leases to total assets | 67.7519% | 3,042 |
| Net loans and leases to deposits | 80.8564% | 3,018 |
| Net loans and leases to core deposits | 81.9937% | 3,909 |
| Total domestic deposits to total assets | 83.7928% | 4,456 |
| Equity capital to assets | 12.1120% | 1,850 |
| Core capital (leverage) ratio | 9.1842% | 4,198 |
| Tier 1 risk-based capital ratio | 13.1992% | 4,454 |
| Total risk-based capital ratio | 14.4528% | 4,404 |
| Memoranda: | ||
| Average total assets | $250,863,600 | 2,543 |
| Average earning assets | $223,056,800 | 2,593 |
| Average equity | $28,802,400 | 2,259 |
| Average total loans | $165,291,600 | 2,540 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9047% | 5,246 |
| Cost of funding earning assets | 1.5300% | 2,770 |
| Net interest margin | 3.3747% | 5,767 |
| Noninterest income to average assets | 0.4126% | 4,856 |
| Noninterest expense to average assets | 3.0013% | 3,739 |
| Loan and lease loss provision to assets | 0.0950% | 6,071 |
| Net operating income to assets | 0.2640% | 5,304 |
| Return on assets (ROA) | 0.2654% | 5,459 |
| Pretax return on assets | 0.2997% | 5,508 |
| Return on Equity (ROE) | 2.3427% | 5,480 |
| Retained earnings to average equity (ytd only) | 2.3427% | 4,765 |
| Net charge-offs to loans | 0.6258% | 2,869 |
| Credit loss provision to net charge-offs | 23.2859% | 6,221 |
| Earnings coverage of net charge-offs (x) | 0.9638% | 5,100 |
| Efficiency ratio | 86.6003% | 1,567 |
| Assets per employee ($millions) | 3.3968% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8152% | 2,737 |
| Loan loss allowance to noncurrent loans | 53.9368% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.1863% | 3,223 |
| Noncurrent loans to loans | 3.3655% | 2,368 |
| Net loans and leases to total assets | 63.7837% | 4,163 |
| Net loans and leases to deposits | 75.8257% | 4,205 |
| Net loans and leases to core deposits | 76.7902% | 4,948 |
| Total domestic deposits to total assets | 84.1189% | 4,047 |
| Equity capital to assets | 12.0662% | 2,118 |
| Core capital (leverage) ratio | 9.1041% | 4,526 |
| Tier 1 risk-based capital ratio | 13.0465% | 4,547 |
| Total risk-based capital ratio | 14.3024% | 4,517 |
| Memoranda: | ||
| Average total assets | $252,685,250 | 2,560 |
| Average earning assets | $223,264,750 | 2,630 |
| Average equity | $28,627,500 | 2,300 |
| Average total loans | $164,701,750 | 2,593 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 5,203 |
| Cost of funding earning assets | 1.5939% | 2,692 |
| Net interest margin | 3.3504% | 5,833 |
| Noninterest income to average assets | 0.4057% | 4,867 |
| Noninterest expense to average assets | 2.9617% | 3,850 |
| Loan and lease loss provision to assets | 0.0940% | 5,973 |
| Net operating income to assets | 0.2556% | 5,354 |
| Return on assets (ROA) | 0.2576% | 5,484 |
| Pretax return on assets | 0.2890% | 5,529 |
| Return on Equity (ROE) | 2.3224% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.3224% | 4,680 |
| Net charge-offs to loans | 0.5137% | 2,991 |
| Credit loss provision to net charge-offs | 28.0374% | 5,764 |
| Earnings coverage of net charge-offs (x) | 1.1355% | 4,655 |
| Efficiency ratio | 86.7854% | 1,621 |
| Assets per employee ($millions) | 3.2934% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0259% | 2,119 |
| Loan loss allowance to noncurrent loans | 49.0633% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 2.6149% | 2,765 |
| Noncurrent loans to loans | 4.1292% | 1,813 |
| Net loans and leases to total assets | 62.0438% | 4,676 |
| Net loans and leases to deposits | 73.4004% | 4,770 |
| Net loans and leases to core deposits | 74.2273% | 5,421 |
| Total domestic deposits to total assets | 84.5279% | 3,853 |
| Equity capital to assets | 11.8370% | 2,193 |
| Core capital (leverage) ratio | 8.7830% | 4,943 |
| Tier 1 risk-based capital ratio | 13.3529% | 4,166 |
| Total risk-based capital ratio | 14.6119% | 4,124 |
| Memoranda: | ||
| Average total assets | $255,391,330 | 2,548 |
| Average earning assets | $223,856,000 | 2,643 |
| Average equity | $28,333,330 | 2,313 |
| Average total loans | $166,643,000 | 2,603 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 5,445 |
| Cost of funding earning assets | 1.5856% | 3,043 |
| Net interest margin | 3.3197% | 5,900 |
| Noninterest income to average assets | 0.3929% | 4,971 |
| Noninterest expense to average assets | 2.8785% | 4,140 |
| Loan and lease loss provision to assets | 0.0909% | 5,724 |
| Net operating income to assets | 0.2548% | 5,476 |
| Return on assets (ROA) | 0.2589% | 5,586 |
| Pretax return on assets | 0.2897% | 5,636 |
| Return on Equity (ROE) | 2.4102% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.4102% | 4,692 |
| Net charge-offs to loans | 0.5356% | 2,462 |
| Credit loss provision to net charge-offs | 25.6522% | 4,882 |
| Earnings coverage of net charge-offs (x) | 1.0609% | 4,129 |
| Efficiency ratio | 86.6004% | 1,730 |
| Assets per employee ($millions) | 3.4924% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9906% | 2,217 |
| Loan loss allowance to noncurrent loans | 44.9980% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 2.8428% | 2,545 |
| Noncurrent loans to loans | 4.4238% | 1,701 |
| Net loans and leases to total assets | 62.9828% | 4,536 |
| Net loans and leases to deposits | 75.3515% | 4,519 |
| Net loans and leases to core deposits | 76.1720% | 5,236 |
| Total domestic deposits to total assets | 83.5853% | 4,349 |
| Equity capital to assets | 11.1856% | 2,602 |
| Core capital (leverage) ratio | 8.6866% | 5,043 |
| Tier 1 risk-based capital ratio | 12.5643% | 4,681 |
| Total risk-based capital ratio | 13.8202% | 4,642 |
| Memoranda: | ||
| Average total assets | $259,584,000 | 2,562 |
| Average earning assets | $223,757,500 | 2,692 |
| Average equity | $27,881,000 | 2,380 |
| Average total loans | $171,754,000 | 2,583 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8280% | 2,538 |
| Cost of funding earning assets | 1.9800% | 3,056 |
| Net interest margin | 3.8480% | 3,493 |
| Noninterest income to average assets | 0.4060% | 5,153 |
| Noninterest expense to average assets | 3.0291% | 4,030 |
| Loan and lease loss provision to assets | 0.6001% | 3,394 |
| Net operating income to assets | 0.1859% | 4,941 |
| Return on assets (ROA) | 0.1784% | 5,036 |
| Pretax return on assets | 0.1528% | 5,106 |
| Return on Equity (ROE) | 1.6763% | 5,028 |
| Retained earnings to average equity (ytd only) | 1.6763% | 3,911 |
| Net charge-offs to loans | 0.1355% | 5,852 |
| Credit loss provision to net charge-offs | 632.3651% | 462 |
| Earnings coverage of net charge-offs (x) | 8.0124% | 2,021 |
| Efficiency ratio | 78.3124% | 3,145 |
| Assets per employee ($millions) | 3.4764% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 2,111 |
| Loan loss allowance to noncurrent loans | 36.6617% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 3.6375% | 1,829 |
| Noncurrent loans to loans | 5.3452% | 1,226 |
| Net loans and leases to total assets | 66.7179% | 3,983 |
| Net loans and leases to deposits | 78.5554% | 4,261 |
| Net loans and leases to core deposits | 87.6214% | 5,370 |
| Total domestic deposits to total assets | 84.9311% | 3,584 |
| Equity capital to assets | 10.2996% | 3,407 |
| Core capital (leverage) ratio | 7.8521% | 6,385 |
| Tier 1 risk-based capital ratio | 10.6244% | 6,275 |
| Total risk-based capital ratio | 11.8736% | 6,250 |
| Memoranda: | ||
| Average total assets | $253,936,800 | 2,569 |
| Average earning assets | $223,285,800 | 2,669 |
| Average equity | $27,024,600 | 2,448 |
| Average total loans | $177,847,600 | 2,543 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0235% | 1,943 |
| Cost of funding earning assets | 2.0434% | 3,152 |
| Net interest margin | 3.9801% | 2,894 |
| Noninterest income to average assets | 0.4245% | 5,096 |
| Noninterest expense to average assets | 3.0262% | 3,948 |
| Loan and lease loss provision to assets | 0.1337% | 6,020 |
| Net operating income to assets | 0.5860% | 3,649 |
| Return on assets (ROA) | 0.5788% | 3,751 |
| Pretax return on assets | 0.8034% | 3,530 |
| Return on Equity (ROE) | 5.3938% | 3,791 |
| Retained earnings to average equity (ytd only) | 5.3938% | 2,257 |
| Net charge-offs to loans | 0.1229% | 5,468 |
| Credit loss provision to net charge-offs | 154.2683% | 3,100 |
| Earnings coverage of net charge-offs (x) | 10.9269% | 1,900 |
| Efficiency ratio | 74.6042% | 3,763 |
| Assets per employee ($millions) | 3.3500% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 4,549 |
| Loan loss allowance to noncurrent loans | 52.8839% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.7414% | 3,753 |
| Noncurrent loans to loans | 2.4436% | 3,085 |
| Net loans and leases to total assets | 70.3444% | 3,428 |
| Net loans and leases to deposits | 83.4852% | 3,735 |
| Net loans and leases to core deposits | 93.3853% | 5,084 |
| Total domestic deposits to total assets | 84.2597% | 3,599 |
| Equity capital to assets | 11.1570% | 2,869 |
| Core capital (leverage) ratio | 8.1919% | 6,027 |
| Tier 1 risk-based capital ratio | 10.8782% | 6,078 |
| Total risk-based capital ratio | 12.0464% | 6,129 |
| Memoranda: | ||
| Average total assets | $252,238,750 | 2,603 |
| Average earning assets | $224,914,500 | 2,674 |
| Average equity | $27,067,250 | 2,466 |
| Average total loans | $177,952,000 | 2,568 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1276% | 1,697 |
| Cost of funding earning assets | 2.1440% | 3,069 |
| Net interest margin | 3.9836% | 2,772 |
| Noninterest income to average assets | 0.4115% | 5,190 |
| Noninterest expense to average assets | 3.0242% | 3,994 |
| Loan and lease loss provision to assets | 0.1261% | 5,851 |
| Net operating income to assets | 0.5771% | 3,780 |
| Return on assets (ROA) | 0.5771% | 3,887 |
| Pretax return on assets | 0.8002% | 3,672 |
| Return on Equity (ROE) | 5.4484% | 3,884 |
| Retained earnings to average equity (ytd only) | 5.4484% | 2,270 |
| Net charge-offs to loans | 0.1839% | 4,418 |
| Credit loss provision to net charge-offs | 97.5610% | 4,689 |
| Earnings coverage of net charge-offs (x) | 7.1646% | 2,484 |
| Efficiency ratio | 74.9950% | 3,877 |
| Assets per employee ($millions) | 3.3921% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 4,521 |
| Loan loss allowance to noncurrent loans | 245.5157% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 6,555 |
| Noncurrent loans to loans | 0.5141% | 6,244 |
| Net loans and leases to total assets | 69.1908% | 3,903 |
| Net loans and leases to deposits | 81.5349% | 4,295 |
| Net loans and leases to core deposits | 91.1199% | 5,432 |
| Total domestic deposits to total assets | 84.8603% | 3,329 |
| Equity capital to assets | 10.9853% | 2,934 |
| Core capital (leverage) ratio | 7.8553% | 6,545 |
| Tier 1 risk-based capital ratio | 10.8468% | 6,037 |
| Total risk-based capital ratio | 12.0775% | 5,987 |
| Memoranda: | ||
| Average total assets | $253,685,330 | 2,596 |
| Average earning assets | $225,372,000 | 2,684 |
| Average equity | $26,870,330 | 2,491 |
| Average total loans | $178,380,670 | 2,592 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9442% | 2,589 |
| Cost of funding earning assets | 2.2014% | 3,161 |
| Net interest margin | 3.7428% | 3,688 |
| Noninterest income to average assets | 0.3864% | 5,326 |
| Noninterest expense to average assets | 2.9075% | 4,134 |
| Loan and lease loss provision to assets | 0.0467% | 6,384 |
| Net operating income to assets | 0.5485% | 4,223 |
| Return on assets (ROA) | 0.5485% | 4,404 |
| Pretax return on assets | 0.7541% | 4,244 |
| Return on Equity (ROE) | 5.2725% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.2725% | 2,975 |
| Net charge-offs to loans | 0.1150% | 4,047 |
| Credit loss provision to net charge-offs | 57.6923% | 4,555 |
| Earnings coverage of net charge-offs (x) | 9.8846% | 2,004 |
| Efficiency ratio | 76.7647% | 3,360 |
| Assets per employee ($millions) | 3.3785% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 4,567 |
| Loan loss allowance to noncurrent loans | 168.3721% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 5,963 |
| Noncurrent loans to loans | 0.7324% | 5,597 |
| Net loans and leases to total assets | 67.7513% | 4,196 |
| Net loans and leases to deposits | 81.4131% | 4,386 |
| Net loans and leases to core deposits | 91.2740% | 5,429 |
| Total domestic deposits to total assets | 83.2192% | 4,033 |
| Equity capital to assets | 10.4567% | 3,503 |
| Core capital (leverage) ratio | 7.7607% | 6,803 |
| Tier 1 risk-based capital ratio | 10.4730% | 6,423 |
| Total risk-based capital ratio | 11.6777% | 6,377 |
| Memoranda: | ||
| Average total assets | $256,717,500 | 2,574 |
| Average earning assets | $227,851,000 | 2,664 |
| Average equity | $26,704,500 | 2,514 |
| Average total loans | $180,810,500 | 2,586 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0929% | 5,084 |
| Cost of funding earning assets | 2.7276% | 3,030 |
| Net interest margin | 3.3654% | 5,802 |
| Noninterest income to average assets | 0.3656% | 5,788 |
| Noninterest expense to average assets | 2.7923% | 4,854 |
| Loan and lease loss provision to assets | 0.0237% | 7,100 |
| Net operating income to assets | 0.4186% | 5,081 |
| Return on assets (ROA) | 0.4192% | 4,892 |
| Pretax return on assets | 0.5237% | 4,918 |
| Return on Equity (ROE) | 4.1417% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.1417% | 2,549 |
| Net charge-offs to loans | -0.0433% | 8,013 |
| Credit loss provision to net charge-offs | -75.0000% | 7,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7881% | 2,330 |
| Assets per employee ($millions) | 3.5160% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 4,683 |
| Loan loss allowance to noncurrent loans | 78.2733% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.0921% | 4,105 |
| Noncurrent loans to loans | 1.5111% | 3,525 |
| Net loans and leases to total assets | 71.4120% | 3,702 |
| Net loans and leases to deposits | 85.8991% | 4,132 |
| Net loans and leases to core deposits | 95.5059% | 5,298 |
| Total domestic deposits to total assets | 83.1348% | 3,711 |
| Equity capital to assets | 10.3479% | 3,669 |
| Core capital (leverage) ratio | 7.7093% | 6,912 |
| Tier 1 risk-based capital ratio | 9.9089% | 6,836 |
| Total risk-based capital ratio | 11.0846% | 6,803 |
| Memoranda: | ||
| Average total assets | $253,586,800 | 2,526 |
| Average earning assets | $224,046,200 | 2,612 |
| Average equity | $25,666,000 | 2,591 |
| Average total loans | $184,627,400 | 2,453 |