Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 4,806 |
| Cost of funding earning assets | 0.4837% | 2,325 |
| Net interest margin | 3.0672% | 4,985 |
| Noninterest income to average assets | 0.7425% | 2,014 |
| Noninterest expense to average assets | 2.6868% | 3,622 |
| Loan and lease loss provision to assets | -0.1278% | 5,896 |
| Net operating income to assets | 0.8006% | 3,337 |
| Return on assets (ROA) | 0.8012% | 3,420 |
| Pretax return on assets | 1.0354% | 3,323 |
| Return on Equity (ROE) | 7.1049% | 3,457 |
| Retained earnings to average equity (ytd only) | -10.7250% | 6,046 |
| Net charge-offs to loans | -0.1387% | 5,873 |
| Credit loss provision to net charge-offs | 170.0535% | 1,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7652% | 2,463 |
| Assets per employee ($millions) | 4.4216% | 3,168 |
| Cash dividends to net income (ytd only)* | 250.9529% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 2,526 |
| Loan loss allowance to noncurrent loans | 38.2586% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 2.0635% | 840 |
| Noncurrent loans to loans | 3.6000% | 372 |
| Net loans and leases to total assets | 56.5300% | 4,250 |
| Net loans and leases to deposits | 65.9878% | 4,316 |
| Net loans and leases to core deposits | 68.1831% | 4,440 |
| Total domestic deposits to total assets | 85.6673% | 2,781 |
| Equity capital to assets | 10.4536% | 3,417 |
| Core capital (leverage) ratio | 9.9782% | 3,539 |
| Tier 1 risk-based capital ratio | 14.8355% | 3,255 |
| Total risk-based capital ratio | 16.0708% | 3,198 |
| Memoranda: | ||
| Average total assets | $248,884,200 | 2,515 |
| Average earning assets | $231,350,000 | 2,504 |
| Average equity | $28,065,200 | 2,453 |
| Average total loans | $134,833,600 | 2,804 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5090% | 4,959 |
| Cost of funding earning assets | 0.4921% | 2,295 |
| Net interest margin | 3.0169% | 5,158 |
| Noninterest income to average assets | 0.7377% | 2,077 |
| Noninterest expense to average assets | 2.5450% | 4,065 |
| Loan and lease loss provision to assets | -0.0695% | 5,955 |
| Net operating income to assets | 0.8317% | 3,275 |
| Return on assets (ROA) | 0.8321% | 3,356 |
| Pretax return on assets | 1.0686% | 3,335 |
| Return on Equity (ROE) | 7.2533% | 3,493 |
| Retained earnings to average equity (ytd only) | 4.8956% | 2,992 |
| Net charge-offs to loans | -0.0903% | 5,747 |
| Credit loss provision to net charge-offs | 143.9560% | 1,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8198% | 2,914 |
| Assets per employee ($millions) | 4.4581% | 3,088 |
| Cash dividends to net income (ytd only)* | 32.5046% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 2,405 |
| Loan loss allowance to noncurrent loans | 34.4912% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 2.3365% | 773 |
| Noncurrent loans to loans | 4.1775% | 294 |
| Net loans and leases to total assets | 55.1247% | 4,453 |
| Net loans and leases to deposits | 64.1008% | 4,551 |
| Net loans and leases to core deposits | 66.2398% | 4,672 |
| Total domestic deposits to total assets | 85.9969% | 2,520 |
| Equity capital to assets | 12.0011% | 2,111 |
| Core capital (leverage) ratio | 11.3994% | 2,121 |
| Tier 1 risk-based capital ratio | 17.3095% | 2,251 |
| Total risk-based capital ratio | 18.5598% | 2,206 |
| Memoranda: | ||
| Average total assets | $251,413,000 | 2,516 |
| Average earning assets | $233,832,750 | 2,491 |
| Average equity | $28,841,500 | 2,418 |
| Average total loans | $134,326,750 | 2,830 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4957% | 4,993 |
| Cost of funding earning assets | 0.5023% | 2,230 |
| Net interest margin | 2.9934% | 5,239 |
| Noninterest income to average assets | 0.7401% | 2,042 |
| Noninterest expense to average assets | 2.4940% | 4,256 |
| Loan and lease loss provision to assets | -0.1081% | 6,094 |
| Net operating income to assets | 0.8948% | 2,907 |
| Return on assets (ROA) | 0.8979% | 3,015 |
| Pretax return on assets | 1.1417% | 3,002 |
| Return on Equity (ROE) | 7.9451% | 3,089 |
| Retained earnings to average equity (ytd only) | 5.8017% | 2,360 |
| Net charge-offs to loans | -0.1484% | 5,927 |
| Credit loss provision to net charge-offs | 138.3838% | 1,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7792% | 3,199 |
| Assets per employee ($millions) | 4.3695% | 3,181 |
| Cash dividends to net income (ytd only)* | 26.9772% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 2,552 |
| Loan loss allowance to noncurrent loans | 41.6948% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 1.9104% | 1,184 |
| Noncurrent loans to loans | 3.4588% | 510 |
| Net loans and leases to total assets | 54.2763% | 4,525 |
| Net loans and leases to deposits | 62.8316% | 4,635 |
| Net loans and leases to core deposits | 64.8801% | 4,743 |
| Total domestic deposits to total assets | 86.3837% | 2,495 |
| Equity capital to assets | 11.5899% | 2,341 |
| Core capital (leverage) ratio | 10.6171% | 2,829 |
| Tier 1 risk-based capital ratio | 17.3401% | 2,270 |
| Total risk-based capital ratio | 18.5909% | 2,233 |
| Memoranda: | ||
| Average total assets | $253,485,670 | 2,518 |
| Average earning assets | $235,717,330 | 2,493 |
| Average equity | $28,646,670 | 2,441 |
| Average total loans | $133,389,330 | 2,851 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 5,126 |
| Cost of funding earning assets | 0.5230% | 2,078 |
| Net interest margin | 2.9141% | 5,423 |
| Noninterest income to average assets | 0.6930% | 2,188 |
| Noninterest expense to average assets | 2.4732% | 4,356 |
| Loan and lease loss provision to assets | 0.0360% | 3,179 |
| Net operating income to assets | 0.7737% | 3,395 |
| Return on assets (ROA) | 0.7790% | 3,505 |
| Pretax return on assets | 0.9011% | 3,889 |
| Return on Equity (ROE) | 6.9804% | 3,516 |
| Retained earnings to average equity (ytd only) | 4.6957% | 3,219 |
| Net charge-offs to loans | -0.0456% | 5,475 |
| Credit loss provision to net charge-offs | -153.3333% | 4,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6563% | 3,061 |
| Assets per employee ($millions) | 4.3559% | 3,275 |
| Cash dividends to net income (ytd only)* | 32.7309% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 2,236 |
| Loan loss allowance to noncurrent loans | 42.0127% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 1.8706% | 1,301 |
| Noncurrent loans to loans | 3.6892% | 498 |
| Net loans and leases to total assets | 49.9196% | 4,861 |
| Net loans and leases to deposits | 57.6486% | 4,940 |
| Net loans and leases to core deposits | 59.5913% | 5,023 |
| Total domestic deposits to total assets | 86.5930% | 2,612 |
| Equity capital to assets | 11.0562% | 2,912 |
| Core capital (leverage) ratio | 11.3156% | 2,144 |
| Tier 1 risk-based capital ratio | 17.5076% | 2,297 |
| Total risk-based capital ratio | 18.7590% | 2,254 |
| Memoranda: | ||
| Average total assets | $255,698,000 | 2,503 |
| Average earning assets | $237,877,000 | 2,490 |
| Average equity | $28,537,000 | 2,460 |
| Average total loans | $131,504,500 | 2,891 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7216% | 4,721 |
| Cost of funding earning assets | 0.6012% | 1,752 |
| Net interest margin | 3.1205% | 5,154 |
| Noninterest income to average assets | 0.7222% | 2,204 |
| Noninterest expense to average assets | 2.7995% | 3,485 |
| Loan and lease loss provision to assets | -0.0260% | 5,952 |
| Net operating income to assets | 0.7147% | 3,818 |
| Return on assets (ROA) | 0.7039% | 3,990 |
| Pretax return on assets | 0.8276% | 4,152 |
| Return on Equity (ROE) | 6.3638% | 3,968 |
| Retained earnings to average equity (ytd only) | 4.7084% | 2,827 |
| Net charge-offs to loans | 0.0554% | 3,723 |
| Credit loss provision to net charge-offs | -90.1408% | 5,502 |
| Earnings coverage of net charge-offs (x) | 28.1831% | 1,404 |
| Efficiency ratio | 77.4688% | 2,283 |
| Assets per employee ($millions) | 4.1673% | 3,600 |
| Cash dividends to net income (ytd only)* | 26.0116% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 2,280 |
| Loan loss allowance to noncurrent loans | 40.6534% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 2.0133% | 1,262 |
| Noncurrent loans to loans | 3.8004% | 513 |
| Net loans and leases to total assets | 51.3802% | 4,843 |
| Net loans and leases to deposits | 59.4911% | 4,943 |
| Net loans and leases to core deposits | 61.5515% | 5,035 |
| Total domestic deposits to total assets | 86.3662% | 2,634 |
| Equity capital to assets | 11.2694% | 2,631 |
| Core capital (leverage) ratio | 10.6282% | 2,806 |
| Tier 1 risk-based capital ratio | 17.0391% | 2,498 |
| Total risk-based capital ratio | 18.2912% | 2,448 |
| Memoranda: | ||
| Average total assets | $245,762,400 | 2,565 |
| Average earning assets | $227,721,600 | 2,538 |
| Average equity | $27,185,200 | 2,474 |
| Average total loans | $128,063,400 | 2,900 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 5,014 |
| Cost of funding earning assets | 0.6061% | 1,781 |
| Net interest margin | 3.0409% | 5,402 |
| Noninterest income to average assets | 0.7154% | 2,254 |
| Noninterest expense to average assets | 2.8470% | 3,299 |
| Loan and lease loss provision to assets | -0.0365% | 6,139 |
| Net operating income to assets | 0.6613% | 4,154 |
| Return on assets (ROA) | 0.6462% | 4,328 |
| Pretax return on assets | 0.7045% | 4,691 |
| Return on Equity (ROE) | 5.8703% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.1774% | 2,974 |
| Net charge-offs to loans | 0.0052% | 4,515 |
| Credit loss provision to net charge-offs | -1,340.0000% | 5,917 |
| Earnings coverage of net charge-offs (x) | 251.0675% | 267 |
| Efficiency ratio | 80.6203% | 1,821 |
| Assets per employee ($millions) | 4.1636% | 3,540 |
| Cash dividends to net income (ytd only)* | 11.8043% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 2,195 |
| Loan loss allowance to noncurrent loans | 28.6719% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 2.8550% | 847 |
| Noncurrent loans to loans | 5.6892% | 266 |
| Net loans and leases to total assets | 49.3633% | 5,070 |
| Net loans and leases to deposits | 56.8867% | 5,184 |
| Net loans and leases to core deposits | 59.1615% | 5,251 |
| Total domestic deposits to total assets | 86.7748% | 2,432 |
| Equity capital to assets | 10.9277% | 3,028 |
| Core capital (leverage) ratio | 10.4846% | 3,063 |
| Tier 1 risk-based capital ratio | 17.2135% | 2,521 |
| Total risk-based capital ratio | 18.4662% | 2,478 |
| Memoranda: | ||
| Average total assets | $244,693,000 | 2,587 |
| Average earning assets | $226,594,250 | 2,572 |
| Average equity | $26,937,000 | 2,495 |
| Average total loans | $127,457,500 | 2,923 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 4,898 |
| Cost of funding earning assets | 0.6154% | 1,766 |
| Net interest margin | 3.0718% | 5,341 |
| Noninterest income to average assets | 0.7012% | 2,272 |
| Noninterest expense to average assets | 2.8841% | 3,223 |
| Loan and lease loss provision to assets | 0.0075% | 4,087 |
| Net operating income to assets | 0.5998% | 4,356 |
| Return on assets (ROA) | 0.5770% | 4,575 |
| Pretax return on assets | 0.6275% | 4,864 |
| Return on Equity (ROE) | 5.2279% | 4,569 |
| Retained earnings to average equity (ytd only) | 4.6278% | 3,213 |
| Net charge-offs to loans | -0.0047% | 5,164 |
| Credit loss provision to net charge-offs | -300.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3829% | 1,826 |
| Assets per employee ($millions) | 4.0839% | 3,677 |
| Cash dividends to net income (ytd only)* | 11.4778% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 2,224 |
| Loan loss allowance to noncurrent loans | 29.2376% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 2.9697% | 861 |
| Noncurrent loans to loans | 5.7153% | 294 |
| Net loans and leases to total assets | 51.0920% | 4,848 |
| Net loans and leases to deposits | 58.8456% | 4,969 |
| Net loans and leases to core deposits | 61.2306% | 5,032 |
| Total domestic deposits to total assets | 86.8240% | 2,563 |
| Equity capital to assets | 10.9951% | 2,880 |
| Core capital (leverage) ratio | 10.7455% | 2,676 |
| Tier 1 risk-based capital ratio | 17.1450% | 2,559 |
| Total risk-based capital ratio | 18.3982% | 2,525 |
| Memoranda: | ||
| Average total assets | $241,598,000 | 2,626 |
| Average earning assets | $223,580,670 | 2,606 |
| Average equity | $26,664,670 | 2,507 |
| Average total loans | $127,459,670 | 2,914 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 4,734 |
| Cost of funding earning assets | 0.6334% | 1,706 |
| Net interest margin | 3.1000% | 5,252 |
| Noninterest income to average assets | 0.6828% | 2,267 |
| Noninterest expense to average assets | 3.0340% | 2,754 |
| Loan and lease loss provision to assets | -0.1093% | 6,504 |
| Net operating income to assets | 0.5931% | 4,227 |
| Return on assets (ROA) | 0.5584% | 4,499 |
| Pretax return on assets | 0.5937% | 4,854 |
| Return on Equity (ROE) | 5.0491% | 4,529 |
| Retained earnings to average equity (ytd only) | 3.8325% | 3,828 |
| Net charge-offs to loans | 0.3859% | 948 |
| Credit loss provision to net charge-offs | -53.2787% | 4,758 |
| Earnings coverage of net charge-offs (x) | 2.5410% | 2,856 |
| Efficiency ratio | 85.3359% | 1,509 |
| Assets per employee ($millions) | 4.0118% | 3,927 |
| Cash dividends to net income (ytd only)* | 24.0964% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 2,919 |
| Loan loss allowance to noncurrent loans | 25.0287% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 3.3152% | 800 |
| Noncurrent loans to loans | 6.1963% | 286 |
| Net loans and leases to total assets | 52.6735% | 4,582 |
| Net loans and leases to deposits | 60.9618% | 4,666 |
| Net loans and leases to core deposits | 63.5732% | 4,724 |
| Total domestic deposits to total assets | 86.4041% | 3,156 |
| Equity capital to assets | 11.2490% | 2,480 |
| Core capital (leverage) ratio | 10.5876% | 2,823 |
| Tier 1 risk-based capital ratio | 17.1838% | 2,606 |
| Total risk-based capital ratio | 18.4353% | 2,560 |
| Memoranda: | ||
| Average total assets | $237,837,500 | 2,660 |
| Average earning assets | $220,384,500 | 2,649 |
| Average equity | $26,301,500 | 2,530 |
| Average total loans | $126,468,000 | 2,934 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7644% | 4,929 |
| Cost of funding earning assets | 0.6847% | 1,922 |
| Net interest margin | 3.0797% | 5,373 |
| Noninterest income to average assets | 0.5727% | 3,259 |
| Noninterest expense to average assets | 2.9209% | 3,308 |
| Loan and lease loss provision to assets | 0.1888% | 1,956 |
| Net operating income to assets | 0.3235% | 5,439 |
| Return on assets (ROA) | 0.3283% | 5,528 |
| Pretax return on assets | 0.3187% | 5,679 |
| Return on Equity (ROE) | 3.0968% | 5,466 |
| Retained earnings to average equity (ytd only) | 1.9458% | 4,849 |
| Net charge-offs to loans | 0.9997% | 584 |
| Credit loss provision to net charge-offs | 36.6795% | 4,109 |
| Earnings coverage of net charge-offs (x) | 0.9768% | 4,757 |
| Efficiency ratio | 85.3163% | 1,487 |
| Assets per employee ($millions) | 3.8545% | 4,153 |
| Cash dividends to net income (ytd only)* | 37.1671% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 2,395 |
| Loan loss allowance to noncurrent loans | 31.1378% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 2.8906% | 1,106 |
| Noncurrent loans to loans | 5.4697% | 417 |
| Net loans and leases to total assets | 51.9481% | 4,857 |
| Net loans and leases to deposits | 59.9644% | 4,939 |
| Net loans and leases to core deposits | 62.5368% | 5,015 |
| Total domestic deposits to total assets | 86.6315% | 2,923 |
| Equity capital to assets | 10.8700% | 2,738 |
| Core capital (leverage) ratio | 10.1748% | 3,331 |
| Tier 1 risk-based capital ratio | 17.0422% | 2,592 |
| Total risk-based capital ratio | 18.2950% | 2,560 |
| Memoranda: | ||
| Average total assets | $251,635,600 | 2,515 |
| Average earning assets | $232,945,000 | 2,492 |
| Average equity | $26,672,800 | 2,488 |
| Average total loans | $129,539,600 | 2,874 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7372% | 5,069 |
| Cost of funding earning assets | 0.6862% | 2,048 |
| Net interest margin | 3.0510% | 5,465 |
| Noninterest income to average assets | 0.5322% | 3,574 |
| Noninterest expense to average assets | 2.7310% | 3,900 |
| Loan and lease loss provision to assets | 0.1831% | 1,986 |
| Net operating income to assets | 0.4076% | 5,223 |
| Return on assets (ROA) | 0.4134% | 5,331 |
| Pretax return on assets | 0.4490% | 5,500 |
| Return on Equity (ROE) | 3.9234% | 5,257 |
| Retained earnings to average equity (ytd only) | 2.3987% | 4,900 |
| Net charge-offs to loans | 0.9318% | 620 |
| Credit loss provision to net charge-offs | 38.4193% | 3,742 |
| Earnings coverage of net charge-offs (x) | 1.3128% | 4,401 |
| Efficiency ratio | 81.3562% | 1,922 |
| Assets per employee ($millions) | 4.0157% | 3,804 |
| Cash dividends to net income (ytd only)* | 38.8604% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8549% | 2,125 |
| Loan loss allowance to noncurrent loans | 30.9490% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 3.0852% | 1,193 |
| Noncurrent loans to loans | 5.9934% | 428 |
| Net loans and leases to total assets | 50.4044% | 5,094 |
| Net loans and leases to deposits | 57.8800% | 5,204 |
| Net loans and leases to core deposits | 61.1218% | 5,203 |
| Total domestic deposits to total assets | 87.0843% | 2,647 |
| Equity capital to assets | 10.4105% | 3,379 |
| Core capital (leverage) ratio | 9.9140% | 3,792 |
| Tier 1 risk-based capital ratio | 17.0769% | 2,677 |
| Total risk-based capital ratio | 18.3315% | 2,640 |
| Memoranda: | ||
| Average total assets | $254,799,750 | 2,500 |
| Average earning assets | $235,891,750 | 2,477 |
| Average equity | $26,846,750 | 2,497 |
| Average total loans | $130,350,500 | 2,870 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 5,023 |
| Cost of funding earning assets | 0.6888% | 2,152 |
| Net interest margin | 3.0507% | 5,426 |
| Noninterest income to average assets | 0.4800% | 3,960 |
| Noninterest expense to average assets | 2.7666% | 3,794 |
| Loan and lease loss provision to assets | 0.1958% | 1,942 |
| Net operating income to assets | 0.3368% | 5,460 |
| Return on assets (ROA) | 0.3430% | 5,603 |
| Pretax return on assets | 0.3469% | 5,756 |
| Return on Equity (ROE) | 3.2424% | 5,528 |
| Retained earnings to average equity (ytd only) | 0.9698% | 5,514 |
| Net charge-offs to loans | 0.9027% | 689 |
| Credit loss provision to net charge-offs | 42.4448% | 3,374 |
| Earnings coverage of net charge-offs (x) | 1.1630% | 4,149 |
| Efficiency ratio | 83.7601% | 1,662 |
| Assets per employee ($millions) | 4.1164% | 3,547 |
| Cash dividends to net income (ytd only)* | 70.0913% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0125% | 1,818 |
| Loan loss allowance to noncurrent loans | 30.2598% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 3.6275% | 1,035 |
| Noncurrent loans to loans | 6.6508% | 386 |
| Net loans and leases to total assets | 50.2126% | 5,089 |
| Net loans and leases to deposits | 57.4803% | 5,206 |
| Net loans and leases to core deposits | 60.7130% | 5,201 |
| Total domestic deposits to total assets | 87.3562% | 2,615 |
| Equity capital to assets | 10.2369% | 3,610 |
| Core capital (leverage) ratio | 9.8790% | 3,673 |
| Tier 1 risk-based capital ratio | 16.8116% | 2,783 |
| Total risk-based capital ratio | 18.0684% | 2,752 |
| Memoranda: | ||
| Average total assets | $255,404,330 | 2,504 |
| Average earning assets | $236,338,000 | 2,486 |
| Average equity | $27,016,670 | 2,487 |
| Average total loans | $130,492,000 | 2,869 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 4,912 |
| Cost of funding earning assets | 0.7001% | 2,203 |
| Net interest margin | 3.0727% | 5,360 |
| Noninterest income to average assets | 0.5292% | 3,578 |
| Noninterest expense to average assets | 2.7476% | 3,885 |
| Loan and lease loss provision to assets | 0.1957% | 1,890 |
| Net operating income to assets | 0.3703% | 5,261 |
| Return on assets (ROA) | 0.3757% | 5,367 |
| Pretax return on assets | 0.4368% | 5,445 |
| Return on Equity (ROE) | 3.4957% | 5,342 |
| Retained earnings to average equity (ytd only) | 1.1215% | 5,405 |
| Net charge-offs to loans | 0.1872% | 2,286 |
| Credit loss provision to net charge-offs | 204.9180% | 1,065 |
| Earnings coverage of net charge-offs (x) | 6.5574% | 2,198 |
| Efficiency ratio | 81.4385% | 2,123 |
| Assets per employee ($millions) | 4.0519% | 3,841 |
| Cash dividends to net income (ytd only)* | 67.9167% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3462% | 1,341 |
| Loan loss allowance to noncurrent loans | 33.1115% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 3.9838% | 1,002 |
| Noncurrent loans to loans | 7.0858% | 407 |
| Net loans and leases to total assets | 50.2838% | 4,949 |
| Net loans and leases to deposits | 58.0393% | 5,027 |
| Net loans and leases to core deposits | 61.0393% | 5,053 |
| Total domestic deposits to total assets | 86.6375% | 3,162 |
| Equity capital to assets | 10.9112% | 3,062 |
| Core capital (leverage) ratio | 10.3643% | 2,948 |
| Tier 1 risk-based capital ratio | 18.0111% | 2,353 |
| Total risk-based capital ratio | 19.2717% | 2,318 |
| Memoranda: | ||
| Average total assets | $255,499,000 | 2,529 |
| Average earning assets | $236,536,000 | 2,506 |
| Average equity | $27,462,000 | 2,489 |
| Average total loans | $130,347,000 | 2,886 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 5,193 |
| Cost of funding earning assets | 0.9034% | 1,914 |
| Net interest margin | 3.1354% | 5,730 |
| Noninterest income to average assets | 0.3699% | 4,832 |
| Noninterest expense to average assets | 2.7208% | 4,330 |
| Loan and lease loss provision to assets | 0.2306% | 2,827 |
| Net operating income to assets | 0.3156% | 5,414 |
| Return on assets (ROA) | 0.3442% | 5,535 |
| Pretax return on assets | 0.3511% | 5,710 |
| Return on Equity (ROE) | 3.3095% | 5,426 |
| Retained earnings to average equity (ytd only) | 1.9075% | 4,876 |
| Net charge-offs to loans | 0.5233% | 2,160 |
| Credit loss provision to net charge-offs | 83.3564% | 3,720 |
| Earnings coverage of net charge-offs (x) | 1.9972% | 4,416 |
| Efficiency ratio | 83.1184% | 1,731 |
| Assets per employee ($millions) | 4.2587% | 3,446 |
| Cash dividends to net income (ytd only)* | 42.3634% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2621% | 1,437 |
| Loan loss allowance to noncurrent loans | 26.3316% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 4.5800% | 899 |
| Noncurrent loans to loans | 8.5909% | 319 |
| Net loans and leases to total assets | 49.4133% | 5,254 |
| Net loans and leases to deposits | 56.7680% | 5,365 |
| Net loans and leases to core deposits | 60.1099% | 5,353 |
| Total domestic deposits to total assets | 87.0444% | 2,824 |
| Equity capital to assets | 10.5909% | 3,408 |
| Core capital (leverage) ratio | 10.1062% | 3,265 |
| Tier 1 risk-based capital ratio | 17.8042% | 2,334 |
| Total risk-based capital ratio | 19.0643% | 2,301 |
| Memoranda: | ||
| Average total assets | $260,584,200 | 2,432 |
| Average earning assets | $241,308,400 | 2,399 |
| Average equity | $27,103,800 | 2,475 |
| Average total loans | $137,785,400 | 2,743 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 5,138 |
| Cost of funding earning assets | 0.9178% | 2,057 |
| Net interest margin | 3.1964% | 5,713 |
| Noninterest income to average assets | 0.2602% | 5,706 |
| Noninterest expense to average assets | 2.6754% | 4,473 |
| Loan and lease loss provision to assets | 0.1738% | 3,393 |
| Net operating income to assets | 0.3476% | 5,444 |
| Return on assets (ROA) | 0.3758% | 5,550 |
| Pretax return on assets | 0.4065% | 5,703 |
| Return on Equity (ROE) | 3.6294% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.1677% | 5,244 |
| Net charge-offs to loans | 0.4122% | 2,443 |
| Credit loss provision to net charge-offs | 78.8863% | 3,656 |
| Earnings coverage of net charge-offs (x) | 2.4942% | 4,041 |
| Efficiency ratio | 82.9581% | 1,703 |
| Assets per employee ($millions) | 4.0606% | 3,749 |
| Cash dividends to net income (ytd only)* | 40.2723% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2226% | 1,667 |
| Loan loss allowance to noncurrent loans | 25.7378% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 4.7479% | 955 |
| Noncurrent loans to loans | 8.6354% | 345 |
| Net loans and leases to total assets | 51.5916% | 5,106 |
| Net loans and leases to deposits | 59.5261% | 5,256 |
| Net loans and leases to core deposits | 63.8201% | 5,169 |
| Total domestic deposits to total assets | 86.6705% | 2,868 |
| Equity capital to assets | 10.7933% | 3,509 |
| Core capital (leverage) ratio | 9.9880% | 3,564 |
| Tier 1 risk-based capital ratio | 17.3915% | 2,581 |
| Total risk-based capital ratio | 18.6509% | 2,543 |
| Memoranda: | ||
| Average total assets | $260,785,250 | 2,449 |
| Average earning assets | $241,889,250 | 2,426 |
| Average equity | $27,001,500 | 2,500 |
| Average total loans | $139,397,500 | 2,757 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1711% | 5,049 |
| Cost of funding earning assets | 0.9246% | 2,229 |
| Net interest margin | 3.2465% | 5,604 |
| Noninterest income to average assets | 0.1242% | 6,562 |
| Noninterest expense to average assets | 2.7389% | 4,255 |
| Loan and lease loss provision to assets | 0.3810% | 1,716 |
| Net operating income to assets | 0.1113% | 6,131 |
| Return on assets (ROA) | 0.1524% | 6,202 |
| Pretax return on assets | 0.0503% | 6,390 |
| Return on Equity (ROE) | 1.4926% | 6,195 |
| Retained earnings to average equity (ytd only) | -0.7165% | 6,164 |
| Net charge-offs to loans | 0.6730% | 1,643 |
| Credit loss provision to net charge-offs | 105.4852% | 2,576 |
| Earnings coverage of net charge-offs (x) | 1.0802% | 4,478 |
| Efficiency ratio | 87.5304% | 1,278 |
| Assets per employee ($millions) | 4.1589% | 3,547 |
| Cash dividends to net income (ytd only)* | 148.0000% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2824% | 1,625 |
| Loan loss allowance to noncurrent loans | 26.1647% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 4.7338% | 1,020 |
| Noncurrent loans to loans | 8.7231% | 367 |
| Net loans and leases to total assets | 50.9335% | 5,233 |
| Net loans and leases to deposits | 58.3162% | 5,414 |
| Net loans and leases to core deposits | 62.4147% | 5,352 |
| Total domestic deposits to total assets | 87.3403% | 2,573 |
| Equity capital to assets | 10.2602% | 3,983 |
| Core capital (leverage) ratio | 9.6808% | 3,862 |
| Tier 1 risk-based capital ratio | 16.9687% | 2,682 |
| Total risk-based capital ratio | 18.2288% | 2,635 |
| Memoranda: | ||
| Average total assets | $262,441,330 | 2,433 |
| Average earning assets | $242,907,670 | 2,413 |
| Average equity | $26,798,330 | 2,503 |
| Average total loans | $140,870,000 | 2,758 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 4,938 |
| Cost of funding earning assets | 0.9406% | 2,370 |
| Net interest margin | 3.3069% | 5,447 |
| Noninterest income to average assets | 0.0183% | 7,051 |
| Noninterest expense to average assets | 2.7778% | 4,126 |
| Loan and lease loss provision to assets | 0.5711% | 1,012 |
| Net operating income to assets | -0.0374% | 6,469 |
| Return on assets (ROA) | -0.0335% | 6,557 |
| Pretax return on assets | -0.2726% | 6,712 |
| Return on Equity (ROE) | -0.3289% | 6,564 |
| Retained earnings to average equity (ytd only) | -2.5415% | 6,342 |
| Net charge-offs to loans | 0.2797% | 2,551 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 1.9200% | 3,369 |
| Efficiency ratio | 90.4762% | 1,053 |
| Assets per employee ($millions) | 4.3417% | 3,315 |
| Cash dividends to net income (ytd only)* | -672.7273% | 7,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3701% | 1,556 |
| Loan loss allowance to noncurrent loans | 24.3984% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 5.8679% | 813 |
| Noncurrent loans to loans | 9.7141% | 324 |
| Net loans and leases to total assets | 53.2265% | 4,848 |
| Net loans and leases to deposits | 61.0417% | 5,039 |
| Net loans and leases to core deposits | 64.9401% | 5,020 |
| Total domestic deposits to total assets | 87.1969% | 2,830 |
| Equity capital to assets | 10.2073% | 3,840 |
| Core capital (leverage) ratio | 9.7159% | 3,748 |
| Tier 1 risk-based capital ratio | 16.2398% | 3,049 |
| Total risk-based capital ratio | 17.5008% | 3,005 |
| Memoranda: | ||
| Average total assets | $262,656,000 | 2,451 |
| Average earning assets | $242,401,500 | 2,430 |
| Average equity | $26,756,000 | 2,496 |
| Average total loans | $143,020,500 | 2,736 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5502% | 4,874 |
| Cost of funding earning assets | 1.0734% | 2,853 |
| Net interest margin | 3.4768% | 5,231 |
| Noninterest income to average assets | 0.4547% | 4,184 |
| Noninterest expense to average assets | 2.5462% | 5,312 |
| Loan and lease loss provision to assets | 0.7229% | 1,413 |
| Net operating income to assets | 0.3527% | 5,055 |
| Return on assets (ROA) | 0.4418% | 4,892 |
| Pretax return on assets | 0.4962% | 5,004 |
| Return on Equity (ROE) | 4.3953% | 4,681 |
| Retained earnings to average equity (ytd only) | 2.2790% | 4,591 |
| Net charge-offs to loans | 1.4457% | 1,123 |
| Credit loss provision to net charge-offs | 87.8004% | 4,110 |
| Earnings coverage of net charge-offs (x) | 1.3591% | 4,752 |
| Efficiency ratio | 69.4695% | 4,058 |
| Assets per employee ($millions) | 4.6458% | 2,692 |
| Cash dividends to net income (ytd only)* | 48.1481% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1462% | 1,901 |
| Loan loss allowance to noncurrent loans | 31.8168% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 4.2615% | 1,311 |
| Noncurrent loans to loans | 6.7456% | 675 |
| Net loans and leases to total assets | 53.2185% | 5,137 |
| Net loans and leases to deposits | 60.8970% | 5,379 |
| Net loans and leases to core deposits | 64.9772% | 5,367 |
| Total domestic deposits to total assets | 87.3911% | 2,536 |
| Equity capital to assets | 10.1665% | 3,947 |
| Core capital (leverage) ratio | 9.7570% | 3,662 |
| Tier 1 risk-based capital ratio | 16.0057% | 3,047 |
| Total risk-based capital ratio | 17.2628% | 3,001 |
| Memoranda: | ||
| Average total assets | $262,818,000 | 2,403 |
| Average earning assets | $242,694,600 | 2,374 |
| Average equity | $26,414,800 | 2,446 |
| Average total loans | $149,688,000 | 2,647 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 4,821 |
| Cost of funding earning assets | 1.1027% | 2,962 |
| Net interest margin | 3.5093% | 5,150 |
| Noninterest income to average assets | 0.4132% | 4,561 |
| Noninterest expense to average assets | 2.5937% | 5,099 |
| Loan and lease loss provision to assets | 0.2999% | 3,122 |
| Net operating income to assets | 0.6030% | 4,073 |
| Return on assets (ROA) | 0.6974% | 3,802 |
| Pretax return on assets | 0.8824% | 3,836 |
| Return on Equity (ROE) | 6.9587% | 3,544 |
| Retained earnings to average equity (ytd only) | 4.9806% | 3,182 |
| Net charge-offs to loans | 0.6980% | 2,164 |
| Credit loss provision to net charge-offs | 74.5891% | 4,335 |
| Earnings coverage of net charge-offs (x) | 2.6435% | 3,795 |
| Efficiency ratio | 70.9341% | 3,757 |
| Assets per employee ($millions) | 4.3576% | 3,160 |
| Cash dividends to net income (ytd only)* | 28.4258% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1476% | 1,969 |
| Loan loss allowance to noncurrent loans | 39.0685% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 3.6767% | 1,700 |
| Noncurrent loans to loans | 5.4969% | 1,079 |
| Net loans and leases to total assets | 54.9653% | 5,002 |
| Net loans and leases to deposits | 63.4025% | 5,246 |
| Net loans and leases to core deposits | 67.7430% | 5,207 |
| Total domestic deposits to total assets | 86.6926% | 2,829 |
| Equity capital to assets | 10.4951% | 3,709 |
| Core capital (leverage) ratio | 9.7796% | 3,728 |
| Tier 1 risk-based capital ratio | 16.3413% | 2,946 |
| Total risk-based capital ratio | 17.6002% | 2,910 |
| Memoranda: | ||
| Average total assets | $262,319,500 | 2,422 |
| Average earning assets | $242,437,250 | 2,382 |
| Average equity | $26,288,000 | 2,455 |
| Average total loans | $151,105,000 | 2,647 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 5,206 |
| Cost of funding earning assets | 1.1078% | 3,177 |
| Net interest margin | 3.4341% | 5,426 |
| Noninterest income to average assets | 0.5423% | 3,536 |
| Noninterest expense to average assets | 2.6519% | 4,999 |
| Loan and lease loss provision to assets | 0.4493% | 2,174 |
| Net operating income to assets | 0.4982% | 4,506 |
| Return on assets (ROA) | 0.6131% | 4,126 |
| Pretax return on assets | 0.7517% | 4,207 |
| Return on Equity (ROE) | 6.2153% | 3,848 |
| Retained earnings to average equity (ytd only) | 4.3777% | 3,407 |
| Net charge-offs to loans | 0.6832% | 2,132 |
| Credit loss provision to net charge-offs | 113.2438% | 2,704 |
| Earnings coverage of net charge-offs (x) | 2.6737% | 3,500 |
| Efficiency ratio | 71.4256% | 3,844 |
| Assets per employee ($millions) | 4.4881% | 2,857 |
| Cash dividends to net income (ytd only)* | 29.5652% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2473% | 1,824 |
| Loan loss allowance to noncurrent loans | 38.1930% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 4.0548% | 1,576 |
| Noncurrent loans to loans | 5.8841% | 1,031 |
| Net loans and leases to total assets | 56.2454% | 4,953 |
| Net loans and leases to deposits | 64.5751% | 5,201 |
| Net loans and leases to core deposits | 68.8871% | 5,201 |
| Total domestic deposits to total assets | 87.1007% | 2,686 |
| Equity capital to assets | 10.0390% | 4,090 |
| Core capital (leverage) ratio | 9.7181% | 3,641 |
| Tier 1 risk-based capital ratio | 15.5075% | 3,237 |
| Total risk-based capital ratio | 16.7682% | 3,175 |
| Memoranda: | ||
| Average total assets | $262,607,330 | 2,436 |
| Average earning assets | $242,451,670 | 2,399 |
| Average equity | $25,904,000 | 2,476 |
| Average total loans | $152,518,670 | 2,650 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 5,176 |
| Cost of funding earning assets | 1.1207% | 3,372 |
| Net interest margin | 3.4284% | 5,308 |
| Noninterest income to average assets | 0.3931% | 4,761 |
| Noninterest expense to average assets | 2.5299% | 5,448 |
| Loan and lease loss provision to assets | 0.5048% | 1,723 |
| Net operating income to assets | 0.4506% | 4,718 |
| Return on assets (ROA) | 0.5491% | 4,358 |
| Pretax return on assets | 0.6348% | 4,558 |
| Return on Equity (ROE) | 5.6172% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.3028% | 3,591 |
| Net charge-offs to loans | 1.2110% | 1,150 |
| Credit loss provision to net charge-offs | 71.4286% | 3,327 |
| Earnings coverage of net charge-offs (x) | 1.4524% | 3,621 |
| Efficiency ratio | 71.1398% | 4,025 |
| Assets per employee ($millions) | 4.4427% | 2,989 |
| Cash dividends to net income (ytd only)* | 23.3983% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1456% | 2,086 |
| Loan loss allowance to noncurrent loans | 39.2666% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 3.9864% | 1,675 |
| Noncurrent loans to loans | 5.4642% | 1,199 |
| Net loans and leases to total assets | 56.0786% | 4,981 |
| Net loans and leases to deposits | 64.3221% | 5,213 |
| Net loans and leases to core deposits | 68.5955% | 5,217 |
| Total domestic deposits to total assets | 87.1840% | 2,842 |
| Equity capital to assets | 9.7944% | 4,042 |
| Core capital (leverage) ratio | 9.7266% | 3,486 |
| Tier 1 risk-based capital ratio | 15.2679% | 3,276 |
| Total risk-based capital ratio | 16.5265% | 3,233 |
| Memoranda: | ||
| Average total assets | $261,512,500 | 2,461 |
| Average earning assets | $241,279,500 | 2,432 |
| Average equity | $25,564,500 | 2,487 |
| Average total loans | $152,598,000 | 2,674 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0142% | 4,491 |
| Cost of funding earning assets | 1.6077% | 2,030 |
| Net interest margin | 3.4066% | 5,605 |
| Noninterest income to average assets | 0.6568% | 3,106 |
| Noninterest expense to average assets | 2.6908% | 5,032 |
| Loan and lease loss provision to assets | 0.5102% | 3,112 |
| Net operating income to assets | 0.5091% | 4,053 |
| Return on assets (ROA) | 0.6084% | 3,798 |
| Pretax return on assets | 0.7193% | 3,905 |
| Return on Equity (ROE) | 6.4110% | 3,391 |
| Retained earnings to average equity (ytd only) | 4.9306% | 2,455 |
| Net charge-offs to loans | 0.6561% | 3,040 |
| Credit loss provision to net charge-offs | 124.1891% | 3,319 |
| Earnings coverage of net charge-offs (x) | 2.7081% | 3,736 |
| Efficiency ratio | 70.7478% | 4,026 |
| Assets per employee ($millions) | 4.4984% | 2,876 |
| Cash dividends to net income (ytd only)* | 23.0914% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1648% | 1,932 |
| Loan loss allowance to noncurrent loans | 39.0752% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 4.2053% | 1,591 |
| Noncurrent loans to loans | 5.5400% | 1,181 |
| Net loans and leases to total assets | 58.1150% | 5,012 |
| Net loans and leases to deposits | 66.8760% | 5,282 |
| Net loans and leases to core deposits | 71.6109% | 5,249 |
| Total domestic deposits to total assets | 86.8995% | 2,879 |
| Equity capital to assets | 9.7567% | 4,043 |
| Core capital (leverage) ratio | 9.5033% | 3,704 |
| Tier 1 risk-based capital ratio | 15.0658% | 3,202 |
| Total risk-based capital ratio | 16.3258% | 3,146 |
| Memoranda: | ||
| Average total assets | $262,634,600 | 2,428 |
| Average earning assets | $242,589,800 | 2,405 |
| Average equity | $24,925,800 | 2,564 |
| Average total loans | $164,444,600 | 2,558 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 4,395 |
| Cost of funding earning assets | 1.7348% | 1,702 |
| Net interest margin | 3.3516% | 5,840 |
| Noninterest income to average assets | 0.6193% | 3,318 |
| Noninterest expense to average assets | 2.7176% | 4,804 |
| Loan and lease loss provision to assets | 0.5677% | 2,665 |
| Net operating income to assets | 0.3793% | 4,844 |
| Return on assets (ROA) | 0.5160% | 4,428 |
| Pretax return on assets | 0.5829% | 4,655 |
| Return on Equity (ROE) | 5.4745% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.9365% | 3,703 |
| Net charge-offs to loans | 0.8137% | 2,418 |
| Credit loss provision to net charge-offs | 110.0196% | 3,854 |
| Earnings coverage of net charge-offs (x) | 1.9322% | 4,258 |
| Efficiency ratio | 73.1614% | 3,491 |
| Assets per employee ($millions) | 4.0606% | 3,715 |
| Cash dividends to net income (ytd only)* | 28.0940% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0088% | 2,194 |
| Loan loss allowance to noncurrent loans | 46.6093% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 3.5020% | 2,039 |
| Noncurrent loans to loans | 4.3099% | 1,689 |
| Net loans and leases to total assets | 59.0675% | 5,092 |
| Net loans and leases to deposits | 68.1630% | 5,395 |
| Net loans and leases to core deposits | 73.8748% | 5,305 |
| Total domestic deposits to total assets | 86.6563% | 2,714 |
| Equity capital to assets | 9.8129% | 4,401 |
| Core capital (leverage) ratio | 9.1014% | 4,528 |
| Tier 1 risk-based capital ratio | 14.4319% | 3,546 |
| Total risk-based capital ratio | 15.6896% | 3,517 |
| Memoranda: | ||
| Average total assets | $263,066,500 | 2,462 |
| Average earning assets | $242,941,500 | 2,436 |
| Average equity | $24,793,250 | 2,614 |
| Average total loans | $166,810,500 | 2,564 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 4,290 |
| Cost of funding earning assets | 1.8104% | 1,603 |
| Net interest margin | 3.3211% | 5,939 |
| Noninterest income to average assets | 0.5678% | 3,564 |
| Noninterest expense to average assets | 2.7933% | 4,510 |
| Loan and lease loss provision to assets | 0.7154% | 2,034 |
| Net operating income to assets | 0.1522% | 5,713 |
| Return on assets (ROA) | 0.3669% | 5,070 |
| Pretax return on assets | 0.3425% | 5,391 |
| Return on Equity (ROE) | 3.9469% | 4,800 |
| Retained earnings to average equity (ytd only) | 2.5794% | 4,502 |
| Net charge-offs to loans | 0.3058% | 3,784 |
| Credit loss provision to net charge-offs | 362.9344% | 1,007 |
| Earnings coverage of net charge-offs (x) | 4.2780% | 3,004 |
| Efficiency ratio | 76.8104% | 2,934 |
| Assets per employee ($millions) | 3.9941% | 3,782 |
| Cash dividends to net income (ytd only)* | 34.6473% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2908% | 1,600 |
| Loan loss allowance to noncurrent loans | 53.9132% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 3.5081% | 1,998 |
| Noncurrent loans to loans | 4.2491% | 1,754 |
| Net loans and leases to total assets | 60.1677% | 5,025 |
| Net loans and leases to deposits | 68.9386% | 5,423 |
| Net loans and leases to core deposits | 75.7231% | 5,225 |
| Total domestic deposits to total assets | 87.2772% | 2,391 |
| Equity capital to assets | 9.2669% | 5,050 |
| Core capital (leverage) ratio | 8.8175% | 4,889 |
| Tier 1 risk-based capital ratio | 13.6477% | 3,979 |
| Total risk-based capital ratio | 14.9086% | 3,928 |
| Memoranda: | ||
| Average total assets | $262,776,330 | 2,484 |
| Average earning assets | $242,814,000 | 2,460 |
| Average equity | $24,424,330 | 2,649 |
| Average total loans | $169,381,670 | 2,554 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 4,187 |
| Cost of funding earning assets | 1.8114% | 1,830 |
| Net interest margin | 3.3600% | 5,749 |
| Noninterest income to average assets | 0.5562% | 3,600 |
| Noninterest expense to average assets | 2.6732% | 5,041 |
| Loan and lease loss provision to assets | 1.0140% | 1,230 |
| Net operating income to assets | 0.0845% | 6,063 |
| Return on assets (ROA) | 0.2105% | 5,764 |
| Pretax return on assets | 0.0983% | 6,137 |
| Return on Equity (ROE) | 2.2610% | 5,646 |
| Retained earnings to average equity (ytd only) | 0.8747% | 5,461 |
| Net charge-offs to loans | 0.6151% | 2,276 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 2.4318% | 3,325 |
| Efficiency ratio | 73.0479% | 3,749 |
| Assets per employee ($millions) | 4.0500% | 3,757 |
| Cash dividends to net income (ytd only)* | 61.3139% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0623% | 2,040 |
| Loan loss allowance to noncurrent loans | 49.3426% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 3.7238% | 1,868 |
| Noncurrent loans to loans | 4.1796% | 1,843 |
| Net loans and leases to total assets | 62.9568% | 4,540 |
| Net loans and leases to deposits | 73.2611% | 4,864 |
| Net loans and leases to core deposits | 80.1678% | 4,741 |
| Total domestic deposits to total assets | 85.9348% | 3,190 |
| Equity capital to assets | 9.2615% | 4,896 |
| Core capital (leverage) ratio | 9.0725% | 4,434 |
| Tier 1 risk-based capital ratio | 13.4812% | 3,994 |
| Total risk-based capital ratio | 14.7406% | 3,955 |
| Memoranda: | ||
| Average total assets | $260,361,000 | 2,557 |
| Average earning assets | $240,474,500 | 2,533 |
| Average equity | $24,237,000 | 2,699 |
| Average total loans | $171,678,500 | 2,586 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6844% | 3,185 |
| Cost of funding earning assets | 1.9732% | 3,086 |
| Net interest margin | 3.7112% | 4,086 |
| Noninterest income to average assets | 0.6585% | 3,238 |
| Noninterest expense to average assets | 2.6612% | 5,547 |
| Loan and lease loss provision to assets | 0.9743% | 2,318 |
| Net operating income to assets | 0.3894% | 4,165 |
| Return on assets (ROA) | 0.4380% | 4,095 |
| Pretax return on assets | 0.5420% | 4,071 |
| Return on Equity (ROE) | 4.4973% | 3,884 |
| Retained earnings to average equity (ytd only) | 2.6342% | 3,301 |
| Net charge-offs to loans | 1.0404% | 2,331 |
| Credit loss provision to net charge-offs | 130.0813% | 3,928 |
| Earnings coverage of net charge-offs (x) | 1.9442% | 4,263 |
| Efficiency ratio | 64.6322% | 5,654 |
| Assets per employee ($millions) | 4.0868% | 3,646 |
| Cash dividends to net income (ytd only)* | 41.4272% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 2,622 |
| Loan loss allowance to noncurrent loans | 45.6409% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 3.1988% | 2,150 |
| Noncurrent loans to loans | 3.8930% | 1,907 |
| Net loans and leases to total assets | 66.4303% | 4,050 |
| Net loans and leases to deposits | 78.3884% | 4,301 |
| Net loans and leases to core deposits | 102.4247% | 3,755 |
| Total domestic deposits to total assets | 84.7450% | 3,687 |
| Equity capital to assets | 9.3576% | 4,622 |
| Core capital (leverage) ratio | 9.2432% | 4,065 |
| Tier 1 risk-based capital ratio | 13.3748% | 3,900 |
| Total risk-based capital ratio | 14.6309% | 3,836 |
| Memoranda: | ||
| Average total assets | $246,320,200 | 2,644 |
| Average earning assets | $229,575,000 | 2,604 |
| Average equity | $23,992,000 | 2,729 |
| Average total loans | $177,327,800 | 2,546 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7813% | 2,973 |
| Cost of funding earning assets | 2.0090% | 3,313 |
| Net interest margin | 3.7723% | 3,765 |
| Noninterest income to average assets | 0.6690% | 3,224 |
| Noninterest expense to average assets | 2.7051% | 5,301 |
| Loan and lease loss provision to assets | 0.7939% | 2,381 |
| Net operating income to assets | 0.5768% | 3,696 |
| Return on assets (ROA) | 0.5513% | 3,871 |
| Pretax return on assets | 0.6614% | 3,982 |
| Return on Equity (ROE) | 5.6021% | 3,696 |
| Retained earnings to average equity (ytd only) | 3.8886% | 3,121 |
| Net charge-offs to loans | 0.7156% | 2,561 |
| Credit loss provision to net charge-offs | 151.6736% | 3,161 |
| Earnings coverage of net charge-offs (x) | 2.8389% | 3,803 |
| Efficiency ratio | 64.5460% | 5,652 |
| Assets per employee ($millions) | 3.9311% | 3,869 |
| Cash dividends to net income (ytd only)* | 30.5862% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6895% | 2,673 |
| Loan loss allowance to noncurrent loans | 41.6793% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 3.4843% | 1,915 |
| Noncurrent loans to loans | 4.0536% | 1,810 |
| Net loans and leases to total assets | 70.1484% | 3,475 |
| Net loans and leases to deposits | 83.7740% | 3,686 |
| Net loans and leases to core deposits | 105.3051% | 3,784 |
| Total domestic deposits to total assets | 83.7353% | 3,845 |
| Equity capital to assets | 9.8622% | 4,250 |
| Core capital (leverage) ratio | 9.3704% | 4,089 |
| Tier 1 risk-based capital ratio | 13.1348% | 4,097 |
| Total risk-based capital ratio | 14.3899% | 4,027 |
| Memoranda: | ||
| Average total assets | $243,532,750 | 2,694 |
| Average earning assets | $227,371,000 | 2,636 |
| Average equity | $23,966,750 | 2,764 |
| Average total loans | $178,126,750 | 2,566 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8514% | 2,799 |
| Cost of funding earning assets | 2.0379% | 3,585 |
| Net interest margin | 3.8135% | 3,495 |
| Noninterest income to average assets | 0.6552% | 3,304 |
| Noninterest expense to average assets | 2.7669% | 5,104 |
| Loan and lease loss provision to assets | 0.4567% | 3,244 |
| Net operating income to assets | 0.7755% | 2,955 |
| Return on assets (ROA) | 0.6602% | 3,538 |
| Pretax return on assets | 0.8453% | 3,522 |
| Return on Equity (ROE) | 6.7131% | 3,323 |
| Retained earnings to average equity (ytd only) | 4.8132% | 2,632 |
| Net charge-offs to loans | 0.7362% | 2,207 |
| Credit loss provision to net charge-offs | 84.0979% | 5,088 |
| Earnings coverage of net charge-offs (x) | 2.6697% | 3,743 |
| Efficiency ratio | 65.6164% | 5,611 |
| Assets per employee ($millions) | 3.8132% | 4,067 |
| Cash dividends to net income (ytd only)* | 28.3019% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 4,002 |
| Loan loss allowance to noncurrent loans | 42.0771% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 2.7128% | 2,368 |
| Noncurrent loans to loans | 3.1995% | 2,228 |
| Net loans and leases to total assets | 71.9913% | 3,231 |
| Net loans and leases to deposits | 85.7211% | 3,595 |
| Net loans and leases to core deposits | 104.7061% | 3,990 |
| Total domestic deposits to total assets | 83.9832% | 3,788 |
| Equity capital to assets | 9.6301% | 4,457 |
| Core capital (leverage) ratio | 9.4947% | 3,893 |
| Tier 1 risk-based capital ratio | 12.7357% | 4,325 |
| Total risk-based capital ratio | 13.9864% | 4,242 |
| Memoranda: | ||
| Average total assets | $240,847,670 | 2,742 |
| Average earning assets | $224,938,000 | 2,690 |
| Average equity | $23,685,000 | 2,791 |
| Average total loans | $177,663,000 | 2,607 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8781% | 2,903 |
| Cost of funding earning assets | 2.0680% | 3,799 |
| Net interest margin | 3.8100% | 3,405 |
| Noninterest income to average assets | 0.6708% | 3,065 |
| Noninterest expense to average assets | 2.7134% | 4,935 |
| Loan and lease loss provision to assets | 0.1449% | 5,095 |
| Net operating income to assets | 0.9883% | 2,362 |
| Return on assets (ROA) | 0.9943% | 2,470 |
| Pretax return on assets | 1.3853% | 2,011 |
| Return on Equity (ROE) | 10.0030% | 2,320 |
| Retained earnings to average equity (ytd only) | 7.5955% | 1,982 |
| Net charge-offs to loans | 0.9179% | 1,440 |
| Credit loss provision to net charge-offs | 21.2871% | 5,062 |
| Earnings coverage of net charge-offs (x) | 2.2351% | 3,622 |
| Efficiency ratio | 64.0669% | 5,678 |
| Assets per employee ($millions) | 3.6370% | 4,491 |
| Cash dividends to net income (ytd only)* | 24.0678% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 4,446 |
| Loan loss allowance to noncurrent loans | 72.1104% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.7314% | 3,315 |
| Noncurrent loans to loans | 1.7324% | 3,664 |
| Net loans and leases to total assets | 73.1410% | 2,978 |
| Net loans and leases to deposits | 88.1949% | 3,256 |
| Net loans and leases to core deposits | 106.5799% | 3,838 |
| Total domestic deposits to total assets | 82.9311% | 4,177 |
| Equity capital to assets | 9.9496% | 4,052 |
| Core capital (leverage) ratio | 9.8627% | 3,570 |
| Tier 1 risk-based capital ratio | 12.8396% | 4,301 |
| Total risk-based capital ratio | 14.0577% | 4,235 |
| Memoranda: | ||
| Average total assets | $237,342,000 | 2,798 |
| Average earning assets | $222,045,000 | 2,737 |
| Average equity | $23,593,000 | 2,815 |
| Average total loans | $176,058,500 | 2,640 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5589% | 2,675 |
| Cost of funding earning assets | 2.4646% | 4,395 |
| Net interest margin | 4.0943% | 2,737 |
| Noninterest income to average assets | 0.5810% | 3,997 |
| Noninterest expense to average assets | 2.5237% | 5,917 |
| Loan and lease loss provision to assets | 0.1749% | 5,151 |
| Net operating income to assets | 1.1926% | 1,795 |
| Return on assets (ROA) | 1.2074% | 1,686 |
| Pretax return on assets | 1.7587% | 1,028 |
| Return on Equity (ROE) | 12.0102% | 1,593 |
| Retained earnings to average equity (ytd only) | 0.1826% | 5,122 |
| Net charge-offs to loans | -0.1508% | 8,137 |
| Credit loss provision to net charge-offs | -155.6420% | 7,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8937% | 6,886 |
| Assets per employee ($millions) | 3.7245% | 4,119 |
| Cash dividends to net income (ytd only)* | 98.4794% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 2,886 |
| Loan loss allowance to noncurrent loans | 95.8113% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.1528% | 3,965 |
| Noncurrent loans to loans | 1.5201% | 3,508 |
| Net loans and leases to total assets | 73.2127% | 3,310 |
| Net loans and leases to deposits | 89.3186% | 3,573 |
| Net loans and leases to core deposits | 108.3377% | 3,931 |
| Total domestic deposits to total assets | 81.9681% | 4,215 |
| Equity capital to assets | 9.9312% | 4,121 |
| Core capital (leverage) ratio | 9.9018% | 3,546 |
| Tier 1 risk-based capital ratio | 12.9725% | 4,129 |
| Total risk-based capital ratio | 14.2245% | 4,045 |
| Memoranda: | ||
| Average total assets | $228,754,200 | 2,777 |
| Average earning assets | $215,372,400 | 2,704 |
| Average equity | $22,997,200 | 2,849 |
| Average total loans | $170,412,000 | 2,610 |