Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8737% | 3,732 |
| Cost of funding earning assets | 0.2860% | 4,600 |
| Net interest margin | 3.5877% | 3,055 |
| Noninterest income to average assets | 0.5358% | 3,051 |
| Noninterest expense to average assets | 2.1975% | 5,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2414% | 1,428 |
| Return on assets (ROA) | 1.2414% | 1,513 |
| Pretax return on assets | 1.7317% | 990 |
| Return on Equity (ROE) | 12.7335% | 1,152 |
| Retained earnings to average equity (ytd only) | 10.0584% | 908 |
| Net charge-offs to loans | 0.0382% | 2,450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 59.5897% | 743 |
| Efficiency ratio | 55.9264% | 5,520 |
| Assets per employee ($millions) | 5.1418% | 2,178 |
| Cash dividends to net income (ytd only)* | 21.0084% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 5,150 |
| Loan loss allowance to noncurrent loans | 275.9259% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 4,407 |
| Noncurrent loans to loans | 0.3531% | 4,533 |
| Net loans and leases to total assets | 75.0133% | 1,353 |
| Net loans and leases to deposits | 97.8529% | 683 |
| Net loans and leases to core deposits | 102.2003% | 1,165 |
| Total domestic deposits to total assets | 76.6592% | 5,669 |
| Equity capital to assets | 9.7350% | 4,452 |
| Core capital (leverage) ratio | 8.5970% | 5,423 |
| Tier 1 risk-based capital ratio | 11.5545% | 5,525 |
| Total risk-based capital ratio | 12.5710% | 5,560 |
| Memoranda: | ||
| Average total assets | $536,799,000 | 1,275 |
| Average earning assets | $507,737,500 | 1,250 |
| Average equity | $52,334,500 | 1,450 |
| Average total loans | $407,996,500 | 1,126 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 4,105 |
| Cost of funding earning assets | 0.3143% | 4,638 |
| Net interest margin | 3.5916% | 3,442 |
| Noninterest income to average assets | 0.5522% | 3,165 |
| Noninterest expense to average assets | 2.2766% | 5,167 |
| Loan and lease loss provision to assets | 0.0588% | 3,356 |
| Net operating income to assets | 1.1518% | 1,770 |
| Return on assets (ROA) | 1.1700% | 1,750 |
| Pretax return on assets | 1.6140% | 1,197 |
| Return on Equity (ROE) | 12.3144% | 1,320 |
| Retained earnings to average equity (ytd only) | 11.9003% | 309 |
| Net charge-offs to loans | 0.0298% | 4,227 |
| Credit loss provision to net charge-offs | 274.3119% | 930 |
| Earnings coverage of net charge-offs (x) | 76.8349% | 654 |
| Efficiency ratio | 58.0137% | 5,457 |
| Assets per employee ($millions) | 4.7618% | 2,643 |
| Cash dividends to net income (ytd only)* | 3.3630% | 4,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 5,000 |
| Loan loss allowance to noncurrent loans | 389.4535% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 4,703 |
| Noncurrent loans to loans | 0.2587% | 4,912 |
| Net loans and leases to total assets | 75.4989% | 1,342 |
| Net loans and leases to deposits | 95.3656% | 952 |
| Net loans and leases to core deposits | 99.5477% | 1,423 |
| Total domestic deposits to total assets | 79.1679% | 5,215 |
| Equity capital to assets | 9.7642% | 4,398 |
| Core capital (leverage) ratio | 8.4642% | 5,590 |
| Tier 1 risk-based capital ratio | 11.5861% | 5,617 |
| Total risk-based capital ratio | 12.6468% | 5,641 |
| Memoranda: | ||
| Average total assets | $508,305,800 | 1,315 |
| Average earning assets | $477,225,200 | 1,280 |
| Average equity | $48,293,000 | 1,492 |
| Average total loans | $365,186,200 | 1,214 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8723% | 4,268 |
| Cost of funding earning assets | 0.3186% | 4,686 |
| Net interest margin | 3.5537% | 3,615 |
| Noninterest income to average assets | 0.5593% | 3,136 |
| Noninterest expense to average assets | 2.3281% | 5,034 |
| Loan and lease loss provision to assets | 0.0392% | 3,624 |
| Net operating income to assets | 1.1089% | 1,991 |
| Return on assets (ROA) | 1.1337% | 1,984 |
| Pretax return on assets | 1.5589% | 1,454 |
| Return on Equity (ROE) | 12.0201% | 1,472 |
| Retained earnings to average equity (ytd only) | 12.0201% | 417 |
| Net charge-offs to loans | 0.0412% | 3,675 |
| Credit loss provision to net charge-offs | 134.5455% | 1,733 |
| Earnings coverage of net charge-offs (x) | 53.6738% | 932 |
| Efficiency ratio | 59.8121% | 5,206 |
| Assets per employee ($millions) | 4.7801% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 5,178 |
| Loan loss allowance to noncurrent loans | 500.0000% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 5,109 |
| Noncurrent loans to loans | 0.2016% | 5,295 |
| Net loans and leases to total assets | 73.0209% | 1,678 |
| Net loans and leases to deposits | 93.2194% | 1,102 |
| Net loans and leases to core deposits | 96.8805% | 1,602 |
| Total domestic deposits to total assets | 78.3323% | 5,462 |
| Equity capital to assets | 9.5239% | 4,772 |
| Core capital (leverage) ratio | 8.3819% | 5,777 |
| Tier 1 risk-based capital ratio | 11.5213% | 5,782 |
| Total risk-based capital ratio | 12.5718% | 5,805 |
| Memoranda: | ||
| Average total assets | $503,241,000 | 1,338 |
| Average earning assets | $471,984,250 | 1,305 |
| Average equity | $47,463,750 | 1,525 |
| Average total loans | $355,702,000 | 1,250 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 4,412 |
| Cost of funding earning assets | 0.3226% | 4,730 |
| Net interest margin | 3.5069% | 3,760 |
| Noninterest income to average assets | 0.5241% | 3,310 |
| Noninterest expense to average assets | 2.3175% | 5,112 |
| Loan and lease loss provision to assets | 0.0597% | 3,076 |
| Net operating income to assets | 1.0459% | 2,136 |
| Return on assets (ROA) | 1.0833% | 2,060 |
| Pretax return on assets | 1.4831% | 1,589 |
| Return on Equity (ROE) | 11.5255% | 1,571 |
| Retained earnings to average equity (ytd only) | 11.5255% | 475 |
| Net charge-offs to loans | 0.0139% | 3,958 |
| Credit loss provision to net charge-offs | 616.6667% | 485 |
| Earnings coverage of net charge-offs (x) | 154.0417% | 403 |
| Efficiency ratio | 60.8410% | 5,165 |
| Assets per employee ($millions) | 4.4980% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 4,903 |
| Loan loss allowance to noncurrent loans | 777.4319% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 5,359 |
| Noncurrent loans to loans | 0.1416% | 5,579 |
| Net loans and leases to total assets | 70.0264% | 2,081 |
| Net loans and leases to deposits | 86.7233% | 1,746 |
| Net loans and leases to core deposits | 90.1316% | 2,113 |
| Total domestic deposits to total assets | 80.7469% | 5,052 |
| Equity capital to assets | 9.4287% | 4,812 |
| Core capital (leverage) ratio | 8.3559% | 5,794 |
| Tier 1 risk-based capital ratio | 10.9713% | 6,061 |
| Total risk-based capital ratio | 12.0336% | 6,084 |
| Memoranda: | ||
| Average total assets | $495,716,330 | 1,353 |
| Average earning assets | $464,339,670 | 1,326 |
| Average equity | $46,592,330 | 1,538 |
| Average total loans | $344,981,000 | 1,275 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8257% | 4,382 |
| Cost of funding earning assets | 0.3269% | 4,769 |
| Net interest margin | 3.4988% | 3,695 |
| Noninterest income to average assets | 0.4910% | 3,484 |
| Noninterest expense to average assets | 2.3515% | 5,064 |
| Loan and lease loss provision to assets | 0.1215% | 1,978 |
| Net operating income to assets | 0.9510% | 2,401 |
| Return on assets (ROA) | 1.0271% | 2,167 |
| Pretax return on assets | 1.3999% | 1,747 |
| Return on Equity (ROE) | 10.9462% | 1,701 |
| Retained earnings to average equity (ytd only) | 10.9462% | 753 |
| Net charge-offs to loans | 0.0202% | 3,178 |
| Credit loss provision to net charge-offs | 870.5882% | 349 |
| Earnings coverage of net charge-offs (x) | 101.5294% | 450 |
| Efficiency ratio | 62.3965% | 5,072 |
| Assets per employee ($millions) | 4.4084% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 4,782 |
| Loan loss allowance to noncurrent loans | 874.0175% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 5,472 |
| Noncurrent loans to loans | 0.1337% | 5,708 |
| Net loans and leases to total assets | 67.9649% | 2,226 |
| Net loans and leases to deposits | 83.5161% | 1,874 |
| Net loans and leases to core deposits | 85.8403% | 2,339 |
| Total domestic deposits to total assets | 81.3794% | 5,129 |
| Equity capital to assets | 9.3338% | 4,720 |
| Core capital (leverage) ratio | 8.2793% | 5,863 |
| Tier 1 risk-based capital ratio | 11.1305% | 6,110 |
| Total risk-based capital ratio | 12.2496% | 6,109 |
| Memoranda: | ||
| Average total assets | $487,187,500 | 1,386 |
| Average earning assets | $456,386,500 | 1,352 |
| Average equity | $45,714,500 | 1,563 |
| Average total loans | $335,935,000 | 1,305 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8594% | 4,614 |
| Cost of funding earning assets | 0.3709% | 4,943 |
| Net interest margin | 3.4885% | 3,952 |
| Noninterest income to average assets | 0.8117% | 2,021 |
| Noninterest expense to average assets | 2.5640% | 4,578 |
| Loan and lease loss provision to assets | 0.1303% | 2,683 |
| Net operating income to assets | 1.0258% | 2,221 |
| Return on assets (ROA) | 1.0669% | 2,133 |
| Pretax return on assets | 1.4212% | 1,715 |
| Return on Equity (ROE) | 11.3543% | 1,654 |
| Retained earnings to average equity (ytd only) | 11.3543% | 381 |
| Net charge-offs to loans | 0.0443% | 4,599 |
| Credit loss provision to net charge-offs | 459.5420% | 499 |
| Earnings coverage of net charge-offs (x) | 52.7863% | 764 |
| Efficiency ratio | 63.1416% | 5,033 |
| Assets per employee ($millions) | 4.2520% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 4,776 |
| Loan loss allowance to noncurrent loans | 850.9890% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 5,477 |
| Noncurrent loans to loans | 0.1382% | 5,792 |
| Net loans and leases to total assets | 68.3348% | 2,297 |
| Net loans and leases to deposits | 83.9721% | 1,949 |
| Net loans and leases to core deposits | 85.8154% | 2,467 |
| Total domestic deposits to total assets | 81.3780% | 5,075 |
| Equity capital to assets | 9.4352% | 4,512 |
| Core capital (leverage) ratio | 8.2272% | 5,947 |
| Tier 1 risk-based capital ratio | 11.1394% | 6,102 |
| Total risk-based capital ratio | 12.2584% | 6,113 |
| Memoranda: | ||
| Average total assets | $462,007,400 | 1,432 |
| Average earning assets | $430,303,800 | 1,418 |
| Average equity | $43,410,800 | 1,616 |
| Average total loans | $295,616,600 | 1,428 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8274% | 4,743 |
| Cost of funding earning assets | 0.3730% | 5,066 |
| Net interest margin | 3.4544% | 4,075 |
| Noninterest income to average assets | 0.9193% | 1,694 |
| Noninterest expense to average assets | 2.5811% | 4,452 |
| Loan and lease loss provision to assets | 0.1309% | 2,650 |
| Net operating income to assets | 1.0565% | 2,164 |
| Return on assets (ROA) | 1.1110% | 2,034 |
| Pretax return on assets | 1.4940% | 1,632 |
| Return on Equity (ROE) | 11.8363% | 1,529 |
| Retained earnings to average equity (ytd only) | 11.8363% | 443 |
| Net charge-offs to loans | 0.0608% | 4,035 |
| Credit loss provision to net charge-offs | 343.5115% | 755 |
| Earnings coverage of net charge-offs (x) | 40.7181% | 991 |
| Efficiency ratio | 62.4604% | 5,070 |
| Assets per employee ($millions) | 4.1376% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 4,889 |
| Loan loss allowance to noncurrent loans | 517.2462% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 5,376 |
| Noncurrent loans to loans | 0.2309% | 5,655 |
| Net loans and leases to total assets | 66.4061% | 2,571 |
| Net loans and leases to deposits | 82.2500% | 2,111 |
| Net loans and leases to core deposits | 84.0979% | 2,643 |
| Total domestic deposits to total assets | 80.7368% | 5,290 |
| Equity capital to assets | 9.4955% | 4,562 |
| Core capital (leverage) ratio | 8.1588% | 6,101 |
| Tier 1 risk-based capital ratio | 11.3669% | 6,117 |
| Total risk-based capital ratio | 12.4965% | 6,135 |
| Memoranda: | ||
| Average total assets | $458,452,500 | 1,449 |
| Average earning assets | $426,420,500 | 1,437 |
| Average equity | $43,030,250 | 1,638 |
| Average total loans | $287,195,500 | 1,480 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8224% | 4,752 |
| Cost of funding earning assets | 0.3823% | 5,112 |
| Net interest margin | 3.4401% | 4,043 |
| Noninterest income to average assets | 1.0587% | 1,364 |
| Noninterest expense to average assets | 2.5854% | 4,439 |
| Loan and lease loss provision to assets | 0.1313% | 2,676 |
| Net operating income to assets | 1.1325% | 1,806 |
| Return on assets (ROA) | 1.2141% | 1,660 |
| Pretax return on assets | 1.6515% | 1,231 |
| Return on Equity (ROE) | 12.9865% | 1,246 |
| Retained earnings to average equity (ytd only) | 12.9865% | 385 |
| Net charge-offs to loans | 0.0881% | 3,484 |
| Credit loss provision to net charge-offs | 243.9024% | 1,033 |
| Earnings coverage of net charge-offs (x) | 31.0569% | 1,120 |
| Efficiency ratio | 60.7198% | 5,379 |
| Assets per employee ($millions) | 4.1624% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 4,788 |
| Loan loss allowance to noncurrent loans | 560.6583% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 5,482 |
| Noncurrent loans to loans | 0.2210% | 5,750 |
| Net loans and leases to total assets | 62.8543% | 3,126 |
| Net loans and leases to deposits | 75.0607% | 3,002 |
| Net loans and leases to core deposits | 76.5044% | 3,482 |
| Total domestic deposits to total assets | 83.7379% | 4,435 |
| Equity capital to assets | 9.4668% | 4,625 |
| Core capital (leverage) ratio | 7.9776% | 6,201 |
| Tier 1 risk-based capital ratio | 11.7880% | 5,925 |
| Total risk-based capital ratio | 12.9474% | 5,947 |
| Memoranda: | ||
| Average total assets | $456,800,670 | 1,461 |
| Average earning assets | $424,810,670 | 1,442 |
| Average equity | $42,706,000 | 1,654 |
| Average total loans | $279,110,670 | 1,515 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 4,852 |
| Cost of funding earning assets | 0.3821% | 5,263 |
| Net interest margin | 3.4085% | 4,086 |
| Noninterest income to average assets | 0.6598% | 2,817 |
| Noninterest expense to average assets | 2.6050% | 4,390 |
| Loan and lease loss provision to assets | 0.1309% | 2,606 |
| Net operating income to assets | 0.8240% | 3,028 |
| Return on assets (ROA) | 0.9896% | 2,393 |
| Pretax return on assets | 1.3134% | 2,180 |
| Return on Equity (ROE) | 10.6520% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.6520% | 949 |
| Net charge-offs to loans | -0.0073% | 5,350 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0419% | 4,299 |
| Assets per employee ($millions) | 4.2726% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 4,840 |
| Loan loss allowance to noncurrent loans | 425.2392% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 5,505 |
| Noncurrent loans to loans | 0.2991% | 5,652 |
| Net loans and leases to total assets | 57.6598% | 3,821 |
| Net loans and leases to deposits | 67.7470% | 3,797 |
| Net loans and leases to core deposits | 68.8700% | 4,200 |
| Total domestic deposits to total assets | 85.1105% | 3,984 |
| Equity capital to assets | 8.9626% | 5,533 |
| Core capital (leverage) ratio | 7.6620% | 6,378 |
| Tier 1 risk-based capital ratio | 11.5638% | 6,147 |
| Total risk-based capital ratio | 12.7475% | 6,162 |
| Memoranda: | ||
| Average total assets | $458,351,000 | 1,466 |
| Average earning assets | $426,106,500 | 1,446 |
| Average equity | $42,583,500 | 1,678 |
| Average total loans | $274,292,500 | 1,551 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0405% | 5,186 |
| Cost of funding earning assets | 0.4453% | 5,620 |
| Net interest margin | 3.5952% | 4,103 |
| Noninterest income to average assets | 0.6459% | 3,018 |
| Noninterest expense to average assets | 2.8480% | 3,847 |
| Loan and lease loss provision to assets | 0.3214% | 2,123 |
| Net operating income to assets | 0.6693% | 3,889 |
| Return on assets (ROA) | 0.6693% | 4,159 |
| Pretax return on assets | 0.8045% | 4,275 |
| Return on Equity (ROE) | 6.9702% | 3,655 |
| Retained earnings to average equity (ytd only) | 5.5085% | 2,380 |
| Net charge-offs to loans | 0.4680% | 2,362 |
| Credit loss provision to net charge-offs | 120.8443% | 2,370 |
| Earnings coverage of net charge-offs (x) | 4.2331% | 3,432 |
| Efficiency ratio | 71.6682% | 3,478 |
| Assets per employee ($millions) | 3.8776% | 4,208 |
| Cash dividends to net income (ytd only)* | 20.9717% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 4,808 |
| Loan loss allowance to noncurrent loans | 284.2809% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 5,300 |
| Noncurrent loans to loans | 0.4444% | 5,390 |
| Net loans and leases to total assets | 60.6407% | 3,484 |
| Net loans and leases to deposits | 72.2696% | 3,364 |
| Net loans and leases to core deposits | 73.5986% | 3,832 |
| Total domestic deposits to total assets | 83.9090% | 4,358 |
| Equity capital to assets | 9.6487% | 4,657 |
| Core capital (leverage) ratio | 7.5851% | 6,454 |
| Tier 1 risk-based capital ratio | 11.3738% | 6,172 |
| Total risk-based capital ratio | 12.5251% | 6,199 |
| Memoranda: | ||
| Average total assets | $427,490,600 | 1,536 |
| Average earning assets | $395,719,400 | 1,524 |
| Average equity | $41,046,000 | 1,704 |
| Average total loans | $242,964,600 | 1,700 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 5,439 |
| Cost of funding earning assets | 0.4549% | 5,760 |
| Net interest margin | 3.5733% | 4,343 |
| Noninterest income to average assets | 0.6186% | 3,163 |
| Noninterest expense to average assets | 2.8074% | 3,957 |
| Loan and lease loss provision to assets | 0.4202% | 1,520 |
| Net operating income to assets | 0.5998% | 4,398 |
| Return on assets (ROA) | 0.5998% | 4,660 |
| Pretax return on assets | 0.7018% | 4,856 |
| Return on Equity (ROE) | 6.2545% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.5999% | 2,962 |
| Net charge-offs to loans | 0.6203% | 1,777 |
| Credit loss provision to net charge-offs | 121.7273% | 2,376 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,728 |
| Efficiency ratio | 71.4457% | 3,425 |
| Assets per employee ($millions) | 3.9592% | 3,954 |
| Cash dividends to net income (ytd only)* | 10.4657% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,758 |
| Loan loss allowance to noncurrent loans | 227.8634% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 5,587 |
| Noncurrent loans to loans | 0.5760% | 5,282 |
| Net loans and leases to total assets | 57.1748% | 4,264 |
| Net loans and leases to deposits | 66.7846% | 4,365 |
| Net loans and leases to core deposits | 67.9632% | 4,727 |
| Total domestic deposits to total assets | 85.6108% | 3,456 |
| Equity capital to assets | 9.4206% | 5,305 |
| Core capital (leverage) ratio | 7.4484% | 6,647 |
| Tier 1 risk-based capital ratio | 11.5129% | 6,219 |
| Total risk-based capital ratio | 12.6988% | 6,226 |
| Memoranda: | ||
| Average total assets | $424,820,500 | 1,562 |
| Average earning assets | $393,616,750 | 1,543 |
| Average equity | $40,738,000 | 1,728 |
| Average total loans | $236,428,250 | 1,750 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 5,551 |
| Cost of funding earning assets | 0.4681% | 5,841 |
| Net interest margin | 3.5629% | 4,407 |
| Noninterest income to average assets | 0.6183% | 3,138 |
| Noninterest expense to average assets | 2.8292% | 3,909 |
| Loan and lease loss provision to assets | 0.5416% | 1,143 |
| Net operating income to assets | 0.4994% | 4,823 |
| Return on assets (ROA) | 0.4994% | 5,079 |
| Pretax return on assets | 0.5449% | 5,324 |
| Return on Equity (ROE) | 5.1753% | 4,722 |
| Retained earnings to average equity (ytd only) | 5.1753% | 3,170 |
| Net charge-offs to loans | 0.7105% | 1,559 |
| Credit loss provision to net charge-offs | 138.9914% | 1,985 |
| Earnings coverage of net charge-offs (x) | 2.7884% | 3,630 |
| Efficiency ratio | 72.2521% | 3,382 |
| Assets per employee ($millions) | 3.6735% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 4,354 |
| Loan loss allowance to noncurrent loans | 134.9360% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 5,033 |
| Noncurrent loans to loans | 1.0584% | 4,396 |
| Net loans and leases to total assets | 55.4095% | 4,561 |
| Net loans and leases to deposits | 64.7358% | 4,673 |
| Net loans and leases to core deposits | 66.2217% | 4,977 |
| Total domestic deposits to total assets | 85.5933% | 3,570 |
| Equity capital to assets | 9.4509% | 5,130 |
| Core capital (leverage) ratio | 7.7459% | 6,486 |
| Tier 1 risk-based capital ratio | 11.7679% | 6,079 |
| Total risk-based capital ratio | 13.0214% | 6,058 |
| Memoranda: | ||
| Average total assets | $417,297,000 | 1,592 |
| Average earning assets | $386,206,000 | 1,567 |
| Average equity | $40,268,330 | 1,737 |
| Average total loans | $228,838,670 | 1,789 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 5,544 |
| Cost of funding earning assets | 0.4793% | 5,948 |
| Net interest margin | 3.5944% | 4,296 |
| Noninterest income to average assets | 0.5875% | 3,314 |
| Noninterest expense to average assets | 2.9295% | 3,510 |
| Loan and lease loss provision to assets | 0.1456% | 3,541 |
| Net operating income to assets | 0.6911% | 3,927 |
| Return on assets (ROA) | 0.6911% | 4,148 |
| Pretax return on assets | 0.8328% | 4,286 |
| Return on Equity (ROE) | 7.0843% | 3,737 |
| Retained earnings to average equity (ytd only) | 7.0843% | 2,390 |
| Net charge-offs to loans | 0.2312% | 2,768 |
| Credit loss provision to net charge-offs | 116.4063% | 2,029 |
| Earnings coverage of net charge-offs (x) | 7.8203% | 2,036 |
| Efficiency ratio | 74.9625% | 2,947 |
| Assets per employee ($millions) | 3.5473% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 4,559 |
| Loan loss allowance to noncurrent loans | 89.9435% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.9310% | 4,660 |
| Noncurrent loans to loans | 1.5696% | 3,754 |
| Net loans and leases to total assets | 53.5724% | 4,793 |
| Net loans and leases to deposits | 63.0098% | 4,771 |
| Net loans and leases to core deposits | 63.9845% | 5,115 |
| Total domestic deposits to total assets | 85.0223% | 4,025 |
| Equity capital to assets | 9.6842% | 4,542 |
| Core capital (leverage) ratio | 7.7941% | 6,415 |
| Tier 1 risk-based capital ratio | 12.3640% | 5,712 |
| Total risk-based capital ratio | 13.5948% | 5,685 |
| Memoranda: | ||
| Average total assets | $409,210,000 | 1,622 |
| Average earning assets | $378,032,500 | 1,602 |
| Average equity | $39,919,000 | 1,742 |
| Average total loans | $221,426,000 | 1,845 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 5,799 |
| Cost of funding earning assets | 0.5698% | 6,243 |
| Net interest margin | 3.7165% | 4,223 |
| Noninterest income to average assets | 0.6864% | 2,681 |
| Noninterest expense to average assets | 3.2130% | 2,819 |
| Loan and lease loss provision to assets | 0.1537% | 4,698 |
| Net operating income to assets | 0.6326% | 3,816 |
| Return on assets (ROA) | 0.6792% | 3,779 |
| Pretax return on assets | 0.7983% | 3,986 |
| Return on Equity (ROE) | 7.0815% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.0815% | 1,460 |
| Net charge-offs to loans | 0.0107% | 6,278 |
| Credit loss provision to net charge-offs | 2,727.2727% | 80 |
| Earnings coverage of net charge-offs (x) | 159.1818% | 216 |
| Efficiency ratio | 77.5042% | 2,664 |
| Assets per employee ($millions) | 3.5077% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 4,210 |
| Loan loss allowance to noncurrent loans | 78.8188% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 4,607 |
| Noncurrent loans to loans | 1.8466% | 3,416 |
| Net loans and leases to total assets | 53.0909% | 5,157 |
| Net loans and leases to deposits | 62.7561% | 5,147 |
| Net loans and leases to core deposits | 63.6826% | 5,497 |
| Total domestic deposits to total assets | 84.5987% | 4,046 |
| Equity capital to assets | 9.8282% | 4,401 |
| Core capital (leverage) ratio | 7.7803% | 6,458 |
| Tier 1 risk-based capital ratio | 12.4929% | 5,457 |
| Total risk-based capital ratio | 13.7364% | 5,445 |
| Memoranda: | ||
| Average total assets | $390,318,800 | 1,657 |
| Average earning assets | $359,582,000 | 1,645 |
| Average equity | $37,435,400 | 1,792 |
| Average total loans | $204,658,400 | 1,999 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 5,957 |
| Cost of funding earning assets | 0.5915% | 6,318 |
| Net interest margin | 3.7060% | 4,310 |
| Noninterest income to average assets | 0.6531% | 2,857 |
| Noninterest expense to average assets | 3.2005% | 2,834 |
| Loan and lease loss provision to assets | 0.1540% | 4,541 |
| Net operating income to assets | 0.5951% | 4,103 |
| Return on assets (ROA) | 0.6452% | 4,075 |
| Pretax return on assets | 0.7706% | 4,241 |
| Return on Equity (ROE) | 6.7708% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.7708% | 2,098 |
| Net charge-offs to loans | -0.0013% | 6,662 |
| Credit loss provision to net charge-offs | -22,350.0000% | 6,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1732% | 2,523 |
| Assets per employee ($millions) | 3.7094% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 4,353 |
| Loan loss allowance to noncurrent loans | 73.8919% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.0200% | 4,719 |
| Noncurrent loans to loans | 1.9540% | 3,421 |
| Net loans and leases to total assets | 51.2196% | 5,550 |
| Net loans and leases to deposits | 60.7205% | 5,552 |
| Net loans and leases to core deposits | 61.7545% | 5,835 |
| Total domestic deposits to total assets | 84.3530% | 4,079 |
| Equity capital to assets | 9.6278% | 4,895 |
| Core capital (leverage) ratio | 7.4805% | 6,775 |
| Tier 1 risk-based capital ratio | 12.5187% | 5,470 |
| Total risk-based capital ratio | 13.7671% | 5,465 |
| Memoranda: | ||
| Average total assets | $387,053,000 | 1,685 |
| Average earning assets | $356,387,500 | 1,665 |
| Average equity | $36,883,000 | 1,830 |
| Average total loans | $201,492,500 | 2,048 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 5,978 |
| Cost of funding earning assets | 0.6275% | 6,328 |
| Net interest margin | 3.6855% | 4,335 |
| Noninterest income to average assets | 0.6467% | 2,869 |
| Noninterest expense to average assets | 3.2416% | 2,760 |
| Loan and lease loss provision to assets | 0.1558% | 4,364 |
| Net operating income to assets | 0.5550% | 4,288 |
| Return on assets (ROA) | 0.5780% | 4,294 |
| Pretax return on assets | 0.6682% | 4,509 |
| Return on Equity (ROE) | 6.0882% | 3,921 |
| Retained earnings to average equity (ytd only) | 6.0882% | 2,368 |
| Net charge-offs to loans | 0.0010% | 5,871 |
| Credit loss provision to net charge-offs | 29,700.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,520.0000% | 9 |
| Efficiency ratio | 79.7013% | 2,435 |
| Assets per employee ($millions) | 3.5360% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 4,582 |
| Loan loss allowance to noncurrent loans | 63.4023% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 4,579 |
| Noncurrent loans to loans | 2.2044% | 3,220 |
| Net loans and leases to total assets | 51.3230% | 5,650 |
| Net loans and leases to deposits | 60.2410% | 5,703 |
| Net loans and leases to core deposits | 61.2666% | 5,968 |
| Total domestic deposits to total assets | 85.1961% | 3,785 |
| Equity capital to assets | 9.4116% | 4,956 |
| Core capital (leverage) ratio | 7.7565% | 6,541 |
| Tier 1 risk-based capital ratio | 12.4284% | 5,417 |
| Total risk-based capital ratio | 13.6373% | 5,427 |
| Memoranda: | ||
| Average total assets | $381,294,670 | 1,718 |
| Average earning assets | $350,939,000 | 1,708 |
| Average equity | $36,201,330 | 1,848 |
| Average total loans | $198,613,670 | 2,099 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 6,074 |
| Cost of funding earning assets | 0.6726% | 6,286 |
| Net interest margin | 3.6039% | 4,554 |
| Noninterest income to average assets | 0.7370% | 2,336 |
| Noninterest expense to average assets | 3.3215% | 2,490 |
| Loan and lease loss provision to assets | 0.1573% | 4,059 |
| Net operating income to assets | 0.5151% | 4,433 |
| Return on assets (ROA) | 0.5199% | 4,490 |
| Pretax return on assets | 0.5766% | 4,778 |
| Return on Equity (ROE) | 5.4506% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.4506% | 2,934 |
| Net charge-offs to loans | 0.0246% | 4,742 |
| Credit loss provision to net charge-offs | 1,225.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 56.7500% | 519 |
| Efficiency ratio | 81.4316% | 2,314 |
| Assets per employee ($millions) | 3.3013% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 4,740 |
| Loan loss allowance to noncurrent loans | 55.5896% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3299% | 4,307 |
| Noncurrent loans to loans | 2.4909% | 2,999 |
| Net loans and leases to total assets | 51.4726% | 5,652 |
| Net loans and leases to deposits | 60.9727% | 5,622 |
| Net loans and leases to core deposits | 62.4158% | 5,887 |
| Total domestic deposits to total assets | 84.4191% | 4,317 |
| Equity capital to assets | 9.5901% | 4,323 |
| Core capital (leverage) ratio | 7.7991% | 6,463 |
| Tier 1 risk-based capital ratio | 12.5982% | 5,171 |
| Total risk-based capital ratio | 13.7811% | 5,215 |
| Memoranda: | ||
| Average total assets | $373,926,500 | 1,762 |
| Average earning assets | $343,742,500 | 1,752 |
| Average equity | $35,665,500 | 1,858 |
| Average total loans | $194,852,500 | 2,154 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 6,483 |
| Cost of funding earning assets | 0.9270% | 6,043 |
| Net interest margin | 3.5371% | 5,087 |
| Noninterest income to average assets | 0.6436% | 3,192 |
| Noninterest expense to average assets | 3.0874% | 3,514 |
| Loan and lease loss provision to assets | 0.5904% | 2,775 |
| Net operating income to assets | 0.2043% | 5,257 |
| Return on assets (ROA) | 0.3671% | 4,837 |
| Pretax return on assets | 0.3941% | 4,965 |
| Return on Equity (ROE) | 3.9054% | 4,571 |
| Retained earnings to average equity (ytd only) | 3.9054% | 3,130 |
| Net charge-offs to loans | 1.3043% | 1,709 |
| Credit loss provision to net charge-offs | 87.4118% | 5,230 |
| Earnings coverage of net charge-offs (x) | 1.1984% | 4,912 |
| Efficiency ratio | 78.6161% | 2,595 |
| Assets per employee ($millions) | 3.2877% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 4,811 |
| Loan loss allowance to noncurrent loans | 53.1893% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.3238% | 4,381 |
| Noncurrent loans to loans | 2.5146% | 3,014 |
| Net loans and leases to total assets | 51.3274% | 6,009 |
| Net loans and leases to deposits | 61.4144% | 5,905 |
| Net loans and leases to core deposits | 62.4889% | 6,196 |
| Total domestic deposits to total assets | 83.5755% | 4,571 |
| Equity capital to assets | 9.4854% | 4,424 |
| Core capital (leverage) ratio | 7.4560% | 6,741 |
| Tier 1 risk-based capital ratio | 12.4581% | 5,062 |
| Total risk-based capital ratio | 13.5901% | 5,145 |
| Memoranda: | ||
| Average total assets | $377,540,600 | 1,746 |
| Average earning assets | $347,233,000 | 1,722 |
| Average equity | $35,489,000 | 1,864 |
| Average total loans | $195,504,000 | 2,199 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5113% | 6,584 |
| Cost of funding earning assets | 0.9423% | 6,213 |
| Net interest margin | 3.5691% | 5,024 |
| Noninterest income to average assets | 0.6208% | 3,308 |
| Noninterest expense to average assets | 3.0827% | 3,413 |
| Loan and lease loss provision to assets | 0.4749% | 3,098 |
| Net operating income to assets | 0.2925% | 5,197 |
| Return on assets (ROA) | 0.4745% | 4,617 |
| Pretax return on assets | 0.5628% | 4,714 |
| Return on Equity (ROE) | 5.0592% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.0592% | 2,945 |
| Net charge-offs to loans | 1.0255% | 1,969 |
| Credit loss provision to net charge-offs | 89.5225% | 4,788 |
| Earnings coverage of net charge-offs (x) | 1.5477% | 4,564 |
| Efficiency ratio | 78.3655% | 2,575 |
| Assets per employee ($millions) | 3.7515% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 4,537 |
| Loan loss allowance to noncurrent loans | 77.1260% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.9593% | 5,170 |
| Noncurrent loans to loans | 1.7987% | 3,949 |
| Net loans and leases to total assets | 51.0490% | 6,212 |
| Net loans and leases to deposits | 62.8138% | 6,043 |
| Net loans and leases to core deposits | 66.0716% | 6,117 |
| Total domestic deposits to total assets | 81.2704% | 5,273 |
| Equity capital to assets | 9.5754% | 4,733 |
| Core capital (leverage) ratio | 7.4073% | 6,930 |
| Tier 1 risk-based capital ratio | 12.0282% | 5,434 |
| Total risk-based capital ratio | 13.1931% | 5,485 |
| Memoranda: | ||
| Average total assets | $379,049,000 | 1,759 |
| Average earning assets | $348,654,250 | 1,740 |
| Average equity | $35,551,500 | 1,883 |
| Average total loans | $196,062,500 | 2,230 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 6,636 |
| Cost of funding earning assets | 0.9574% | 6,349 |
| Net interest margin | 3.5725% | 4,937 |
| Noninterest income to average assets | 0.5981% | 3,346 |
| Noninterest expense to average assets | 3.1103% | 3,269 |
| Loan and lease loss provision to assets | 0.5934% | 2,404 |
| Net operating income to assets | 0.2075% | 5,534 |
| Return on assets (ROA) | 0.2477% | 5,526 |
| Pretax return on assets | 0.2234% | 5,719 |
| Return on Equity (ROE) | 2.6600% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.6600% | 4,452 |
| Net charge-offs to loans | 1.5016% | 1,274 |
| Credit loss provision to net charge-offs | 76.4145% | 4,804 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,788 |
| Efficiency ratio | 79.4090% | 2,516 |
| Assets per employee ($millions) | 3.6789% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 4,803 |
| Loan loss allowance to noncurrent loans | 78.3833% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 5,360 |
| Noncurrent loans to loans | 1.6854% | 4,162 |
| Net loans and leases to total assets | 49.9786% | 6,436 |
| Net loans and leases to deposits | 61.3529% | 6,284 |
| Net loans and leases to core deposits | 64.5984% | 6,354 |
| Total domestic deposits to total assets | 81.4608% | 5,215 |
| Equity capital to assets | 9.3671% | 4,900 |
| Core capital (leverage) ratio | 7.4796% | 6,839 |
| Tier 1 risk-based capital ratio | 11.7866% | 5,506 |
| Total risk-based capital ratio | 12.8853% | 5,599 |
| Memoranda: | ||
| Average total assets | $377,846,670 | 1,775 |
| Average earning assets | $347,823,000 | 1,756 |
| Average equity | $35,188,330 | 1,896 |
| Average total loans | $195,386,670 | 2,263 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 6,618 |
| Cost of funding earning assets | 0.9794% | 6,468 |
| Net interest margin | 3.5983% | 4,740 |
| Noninterest income to average assets | 0.5849% | 3,373 |
| Noninterest expense to average assets | 3.1055% | 3,242 |
| Loan and lease loss provision to assets | 0.5401% | 2,342 |
| Net operating income to assets | 0.2440% | 5,525 |
| Return on assets (ROA) | 0.3217% | 5,333 |
| Pretax return on assets | 0.3356% | 5,504 |
| Return on Equity (ROE) | 3.4650% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.4650% | 4,070 |
| Net charge-offs to loans | 0.0387% | 5,036 |
| Credit loss provision to net charge-offs | 2,668.4211% | 191 |
| Earnings coverage of net charge-offs (x) | 39.2632% | 704 |
| Efficiency ratio | 79.0221% | 2,717 |
| Assets per employee ($millions) | 3.6282% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 2,923 |
| Loan loss allowance to noncurrent loans | 52.9650% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.7083% | 3,911 |
| Noncurrent loans to loans | 3.2847% | 2,429 |
| Net loans and leases to total assets | 50.3183% | 6,436 |
| Net loans and leases to deposits | 61.8072% | 6,296 |
| Net loans and leases to core deposits | 62.8424% | 6,538 |
| Total domestic deposits to total assets | 81.4116% | 5,311 |
| Equity capital to assets | 9.2758% | 4,871 |
| Core capital (leverage) ratio | 7.4201% | 6,918 |
| Tier 1 risk-based capital ratio | 11.7200% | 5,475 |
| Total risk-based capital ratio | 12.9767% | 5,417 |
| Memoranda: | ||
| Average total assets | $375,467,000 | 1,825 |
| Average earning assets | $345,941,500 | 1,809 |
| Average equity | $34,863,000 | 1,931 |
| Average total loans | $196,189,500 | 2,316 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1153% | 6,026 |
| Cost of funding earning assets | 1.3166% | 6,253 |
| Net interest margin | 3.7986% | 3,711 |
| Noninterest income to average assets | 0.6278% | 3,440 |
| Noninterest expense to average assets | 3.2219% | 3,307 |
| Loan and lease loss provision to assets | 0.5212% | 3,765 |
| Net operating income to assets | 0.2941% | 4,557 |
| Return on assets (ROA) | 0.4696% | 3,973 |
| Pretax return on assets | 0.5885% | 3,930 |
| Return on Equity (ROE) | 4.9462% | 3,693 |
| Retained earnings to average equity (ytd only) | 4.9462% | 1,848 |
| Net charge-offs to loans | 0.3461% | 4,505 |
| Credit loss provision to net charge-offs | 285.3354% | 1,178 |
| Earnings coverage of net charge-offs (x) | 4.8736% | 2,777 |
| Efficiency ratio | 76.7914% | 3,390 |
| Assets per employee ($millions) | 3.6631% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 3,872 |
| Loan loss allowance to noncurrent loans | 56.1654% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.4269% | 4,277 |
| Noncurrent loans to loans | 2.6225% | 2,936 |
| Net loans and leases to total assets | 52.5406% | 6,359 |
| Net loans and leases to deposits | 65.7132% | 6,080 |
| Net loans and leases to core deposits | 69.3994% | 6,806 |
| Total domestic deposits to total assets | 79.9543% | 5,678 |
| Equity capital to assets | 9.2950% | 4,706 |
| Core capital (leverage) ratio | 7.3992% | 6,886 |
| Tier 1 risk-based capital ratio | 11.2458% | 5,671 |
| Total risk-based capital ratio | 12.4591% | 5,661 |
| Memoranda: | ||
| Average total assets | $350,907,200 | 1,939 |
| Average earning assets | $321,878,400 | 1,935 |
| Average equity | $33,318,800 | 2,012 |
| Average total loans | $185,212,200 | 2,454 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2060% | 5,851 |
| Cost of funding earning assets | 1.3891% | 6,275 |
| Net interest margin | 3.8169% | 3,585 |
| Noninterest income to average assets | 0.6155% | 3,583 |
| Noninterest expense to average assets | 3.2479% | 3,135 |
| Loan and lease loss provision to assets | 0.3571% | 4,182 |
| Net operating income to assets | 0.3944% | 4,421 |
| Return on assets (ROA) | 0.5092% | 4,028 |
| Pretax return on assets | 0.6575% | 3,996 |
| Return on Equity (ROE) | 5.3330% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.3330% | 2,291 |
| Net charge-offs to loans | 0.3805% | 3,747 |
| Credit loss provision to net charge-offs | 178.2692% | 2,583 |
| Earnings coverage of net charge-offs (x) | 4.3211% | 3,179 |
| Efficiency ratio | 77.3574% | 3,266 |
| Assets per employee ($millions) | 3.5298% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 5,439 |
| Loan loss allowance to noncurrent loans | 55.5846% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.1279% | 4,820 |
| Noncurrent loans to loans | 2.0599% | 3,548 |
| Net loans and leases to total assets | 51.4614% | 6,657 |
| Net loans and leases to deposits | 64.5906% | 6,442 |
| Net loans and leases to core deposits | 68.3765% | 7,058 |
| Total domestic deposits to total assets | 79.6732% | 5,569 |
| Equity capital to assets | 9.7453% | 4,429 |
| Core capital (leverage) ratio | 7.6599% | 6,788 |
| Tier 1 risk-based capital ratio | 11.6623% | 5,283 |
| Total risk-based capital ratio | 12.5958% | 5,532 |
| Memoranda: | ||
| Average total assets | $346,140,250 | 1,980 |
| Average earning assets | $317,213,750 | 1,985 |
| Average equity | $33,051,250 | 2,051 |
| Average total loans | $182,192,000 | 2,507 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3328% | 5,487 |
| Cost of funding earning assets | 1.4997% | 6,140 |
| Net interest margin | 3.8331% | 3,401 |
| Noninterest income to average assets | 0.6362% | 3,436 |
| Noninterest expense to average assets | 3.2870% | 3,015 |
| Loan and lease loss provision to assets | 0.2049% | 5,002 |
| Net operating income to assets | 0.4845% | 4,145 |
| Return on assets (ROA) | 0.6175% | 3,720 |
| Pretax return on assets | 0.8311% | 3,566 |
| Return on Equity (ROE) | 6.5133% | 3,429 |
| Retained earnings to average equity (ytd only) | 6.5133% | 1,787 |
| Net charge-offs to loans | 0.0851% | 5,359 |
| Credit loss provision to net charge-offs | 455.8442% | 1,018 |
| Earnings coverage of net charge-offs (x) | 19.0519% | 1,385 |
| Efficiency ratio | 77.7293% | 3,388 |
| Assets per employee ($millions) | 3.3111% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 5,564 |
| Loan loss allowance to noncurrent loans | 58.6227% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.0613% | 4,847 |
| Noncurrent loans to loans | 1.8864% | 3,684 |
| Net loans and leases to total assets | 50.7536% | 6,802 |
| Net loans and leases to deposits | 62.8154% | 6,673 |
| Net loans and leases to core deposits | 65.6775% | 7,228 |
| Total domestic deposits to total assets | 80.7981% | 5,150 |
| Equity capital to assets | 9.4134% | 4,727 |
| Core capital (leverage) ratio | 7.6063% | 6,891 |
| Tier 1 risk-based capital ratio | 11.5570% | 5,325 |
| Total risk-based capital ratio | 12.4351% | 5,612 |
| Memoranda: | ||
| Average total assets | $342,683,670 | 2,021 |
| Average earning assets | $313,531,330 | 2,033 |
| Average equity | $32,487,330 | 2,091 |
| Average total loans | $181,059,330 | 2,561 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4444% | 5,204 |
| Cost of funding earning assets | 1.5720% | 6,153 |
| Net interest margin | 3.8724% | 3,175 |
| Noninterest income to average assets | 0.5825% | 3,667 |
| Noninterest expense to average assets | 3.2174% | 2,906 |
| Loan and lease loss provision to assets | 0.1453% | 5,085 |
| Net operating income to assets | 0.5551% | 4,202 |
| Return on assets (ROA) | 0.6853% | 3,816 |
| Pretax return on assets | 0.9346% | 3,584 |
| Return on Equity (ROE) | 7.2024% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.2024% | 2,131 |
| Net charge-offs to loans | 0.1036% | 4,140 |
| Credit loss provision to net charge-offs | 261.7021% | 1,807 |
| Earnings coverage of net charge-offs (x) | 16.2340% | 1,563 |
| Efficiency ratio | 76.4773% | 3,407 |
| Assets per employee ($millions) | 3.3265% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 6,267 |
| Loan loss allowance to noncurrent loans | 70.1603% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8579% | 5,053 |
| Noncurrent loans to loans | 1.4088% | 4,200 |
| Net loans and leases to total assets | 52.9643% | 6,582 |
| Net loans and leases to deposits | 66.5526% | 6,325 |
| Net loans and leases to core deposits | 70.0245% | 7,015 |
| Total domestic deposits to total assets | 79.5827% | 5,512 |
| Equity capital to assets | 9.6516% | 4,453 |
| Core capital (leverage) ratio | 7.6870% | 6,902 |
| Tier 1 risk-based capital ratio | 11.6897% | 5,217 |
| Total risk-based capital ratio | 12.5067% | 5,551 |
| Memoranda: | ||
| Average total assets | $338,535,500 | 2,056 |
| Average earning assets | $309,160,500 | 2,066 |
| Average equity | $32,211,500 | 2,100 |
| Average total loans | $181,525,500 | 2,574 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9037% | 6,018 |
| Cost of funding earning assets | 2.0025% | 6,410 |
| Net interest margin | 3.9012% | 3,559 |
| Noninterest income to average assets | 0.8391% | 2,301 |
| Noninterest expense to average assets | 3.1664% | 3,462 |
| Loan and lease loss provision to assets | 0.1511% | 5,434 |
| Net operating income to assets | 0.7683% | 3,577 |
| Return on assets (ROA) | 0.7911% | 3,314 |
| Pretax return on assets | 1.0855% | 3,070 |
| Return on Equity (ROE) | 8.0710% | 3,042 |
| Retained earnings to average equity (ytd only) | 0.0767% | 5,191 |
| Net charge-offs to loans | 0.4128% | 2,748 |
| Credit loss provision to net charge-offs | 60.8586% | 6,221 |
| Earnings coverage of net charge-offs (x) | 4.8548% | 3,833 |
| Efficiency ratio | 70.7751% | 4,183 |
| Assets per employee ($millions) | 3.1275% | 5,694 |
| Cash dividends to net income (ytd only)* | 99.0491% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 6,415 |
| Loan loss allowance to noncurrent loans | 85.3453% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 5,121 |
| Noncurrent loans to loans | 1.1088% | 4,336 |
| Net loans and leases to total assets | 53.2405% | 6,727 |
| Net loans and leases to deposits | 66.8594% | 6,576 |
| Net loans and leases to core deposits | 70.2377% | 7,174 |
| Total domestic deposits to total assets | 79.6306% | 5,156 |
| Equity capital to assets | 9.3777% | 4,847 |
| Core capital (leverage) ratio | 7.7842% | 6,828 |
| Tier 1 risk-based capital ratio | 11.7907% | 4,989 |
| Total risk-based capital ratio | 12.6005% | 5,290 |
| Memoranda: | ||
| Average total assets | $319,034,400 | 2,092 |
| Average earning assets | $288,884,600 | 2,108 |
| Average equity | $31,272,600 | 2,157 |
| Average total loans | $191,865,600 | 2,373 |