Home > First National Bank of Illinois > Performance and Condition Ratios
First National Bank of Illinois, Performance and Condition Ratios
| 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 | 3.8314% | 4,714 |
| Cost of funding earning assets | 0.4056% | 5,043 |
| Net interest margin | 3.4257% | 4,026 |
| Noninterest income to average assets | 0.7887% | 2,171 |
| Noninterest expense to average assets | 3.1291% | 2,582 |
| Loan and lease loss provision to assets | 0.1616% | 2,254 |
| Net operating income to assets | 0.3437% | 5,386 |
| Return on assets (ROA) | 0.3620% | 5,434 |
| Pretax return on assets | 0.5086% | 5,225 |
| Return on Equity (ROE) | 3.1955% | 5,494 |
| Retained earnings to average equity (ytd only) | 3.1955% | 4,337 |
| Net charge-offs to loans | 0.5579% | 1,090 |
| Credit loss provision to net charge-offs | 71.0900% | 2,276 |
| Earnings coverage of net charge-offs (x) | 2.8341% | 2,927 |
| Efficiency ratio | 82.9240% | 1,899 |
| Assets per employee ($millions) | 3.6694% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3359% | 1,356 |
| Loan loss allowance to noncurrent loans | 74.6721% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 3.3945% | 1,274 |
| Noncurrent loans to loans | 3.1282% | 1,586 |
| Net loans and leases to total assets | 38.7962% | 6,096 |
| Net loans and leases to deposits | 44.0841% | 6,200 |
| Net loans and leases to core deposits | 44.2289% | 6,303 |
| Total domestic deposits to total assets | 88.0049% | 2,308 |
| Equity capital to assets | 11.2731% | 2,657 |
| Core capital (leverage) ratio | 9.9105% | 3,513 |
| Tier 1 risk-based capital ratio | 17.3791% | 2,613 |
| Total risk-based capital ratio | 18.6340% | 2,576 |
| Memoranda: | ||
| Average total assets | $371,230,000 | 1,775 |
| Average earning assets | $323,433,500 | 1,869 |
| Average equity | $42,059,500 | 1,697 |
| Average total loans | $151,279,500 | 2,564 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 4,808 |
| Cost of funding earning assets | 0.5694% | 4,653 |
| Net interest margin | 3.5697% | 4,227 |
| Noninterest income to average assets | 0.2428% | 5,713 |
| Noninterest expense to average assets | 2.8702% | 3,763 |
| Loan and lease loss provision to assets | 0.1788% | 3,393 |
| Net operating income to assets | 0.2383% | 5,672 |
| Return on assets (ROA) | 0.2343% | 5,883 |
| Pretax return on assets | 0.2954% | 5,823 |
| Return on Equity (ROE) | 2.1224% | 5,864 |
| Retained earnings to average equity (ytd only) | 2.1224% | 4,735 |
| Net charge-offs to loans | 0.8007% | 1,458 |
| Credit loss provision to net charge-offs | 49.3736% | 4,721 |
| Earnings coverage of net charge-offs (x) | 1.3235% | 4,802 |
| Efficiency ratio | 85.6904% | 1,459 |
| Assets per employee ($millions) | 3.5402% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2966% | 1,379 |
| Loan loss allowance to noncurrent loans | 77.9444% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 3.9711% | 1,080 |
| Noncurrent loans to loans | 2.9465% | 1,774 |
| Net loans and leases to total assets | 40.8348% | 6,113 |
| Net loans and leases to deposits | 46.3666% | 6,229 |
| Net loans and leases to core deposits | 46.7269% | 6,338 |
| Total domestic deposits to total assets | 88.0695% | 2,198 |
| Equity capital to assets | 11.3873% | 2,547 |
| Core capital (leverage) ratio | 9.8157% | 3,643 |
| Tier 1 risk-based capital ratio | 16.5096% | 2,883 |
| Total risk-based capital ratio | 17.7640% | 2,858 |
| Memoranda: | ||
| Average total assets | $374,717,000 | 1,737 |
| Average earning assets | $326,109,600 | 1,823 |
| Average equity | $41,368,600 | 1,689 |
| Average total loans | $169,477,800 | 2,318 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 4,921 |
| Cost of funding earning assets | 0.6121% | 4,520 |
| Net interest margin | 3.5570% | 4,412 |
| Noninterest income to average assets | 0.2476% | 5,788 |
| Noninterest expense to average assets | 2.8040% | 3,969 |
| Loan and lease loss provision to assets | 0.3082% | 2,145 |
| Net operating income to assets | 0.2058% | 5,903 |
| Return on assets (ROA) | 0.2104% | 6,061 |
| Pretax return on assets | 0.2388% | 6,069 |
| Return on Equity (ROE) | 1.9209% | 6,044 |
| Retained earnings to average equity (ytd only) | 1.9209% | 5,368 |
| Net charge-offs to loans | 0.8798% | 1,244 |
| Credit loss provision to net charge-offs | 76.0490% | 3,736 |
| Earnings coverage of net charge-offs (x) | 1.3365% | 4,629 |
| Efficiency ratio | 83.8098% | 1,614 |
| Assets per employee ($millions) | 3.5697% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4082% | 1,346 |
| Loan loss allowance to noncurrent loans | 43.4596% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 5.0941% | 871 |
| Noncurrent loans to loans | 5.5412% | 774 |
| Net loans and leases to total assets | 43.0844% | 6,030 |
| Net loans and leases to deposits | 48.7696% | 6,209 |
| Net loans and leases to core deposits | 49.1434% | 6,336 |
| Total domestic deposits to total assets | 88.3427% | 1,817 |
| Equity capital to assets | 11.2058% | 3,028 |
| Core capital (leverage) ratio | 9.4493% | 4,355 |
| Tier 1 risk-based capital ratio | 15.6653% | 3,446 |
| Total risk-based capital ratio | 16.9215% | 3,409 |
| Memoranda: | ||
| Average total assets | $376,351,000 | 1,750 |
| Average earning assets | $327,800,750 | 1,833 |
| Average equity | $41,229,250 | 1,707 |
| Average total loans | $173,377,250 | 2,306 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2364% | 4,827 |
| Cost of funding earning assets | 0.6608% | 4,356 |
| Net interest margin | 3.5757% | 4,362 |
| Noninterest income to average assets | 0.0249% | 6,934 |
| Noninterest expense to average assets | 2.7626% | 4,166 |
| Loan and lease loss provision to assets | 0.2116% | 2,959 |
| Net operating income to assets | 0.1783% | 5,985 |
| Return on assets (ROA) | 0.1857% | 6,135 |
| Pretax return on assets | 0.1756% | 6,185 |
| Return on Equity (ROE) | 1.7078% | 6,129 |
| Retained earnings to average equity (ytd only) | 1.7078% | 5,341 |
| Net charge-offs to loans | 0.5744% | 1,879 |
| Credit loss provision to net charge-offs | 78.8955% | 3,351 |
| Earnings coverage of net charge-offs (x) | 1.4162% | 4,295 |
| Efficiency ratio | 87.9125% | 1,245 |
| Assets per employee ($millions) | 3.6593% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4592% | 1,338 |
| Loan loss allowance to noncurrent loans | 47.0064% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 4.7781% | 1,011 |
| Noncurrent loans to loans | 5.2316% | 919 |
| Net loans and leases to total assets | 43.2936% | 6,083 |
| Net loans and leases to deposits | 48.9216% | 6,249 |
| Net loans and leases to core deposits | 49.4040% | 6,375 |
| Total domestic deposits to total assets | 88.4959% | 1,821 |
| Equity capital to assets | 11.0059% | 3,108 |
| Core capital (leverage) ratio | 9.4243% | 4,262 |
| Tier 1 risk-based capital ratio | 15.5701% | 3,394 |
| Total risk-based capital ratio | 16.8270% | 3,355 |
| Memoranda: | ||
| Average total assets | $378,050,330 | 1,741 |
| Average earning assets | $329,618,000 | 1,823 |
| Average equity | $41,105,000 | 1,702 |
| Average total loans | $176,536,670 | 2,280 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 5,433 |
| Cost of funding earning assets | 0.6921% | 4,348 |
| Net interest margin | 3.4142% | 5,061 |
| Noninterest income to average assets | 0.6730% | 2,797 |
| Noninterest expense to average assets | 3.0373% | 3,127 |
| Loan and lease loss provision to assets | 0.2641% | 2,347 |
| Net operating income to assets | 0.2596% | 5,785 |
| Return on assets (ROA) | 0.2683% | 5,919 |
| Pretax return on assets | 0.3592% | 5,836 |
| Return on Equity (ROE) | 2.4831% | 5,913 |
| Retained earnings to average equity (ytd only) | 2.4831% | 5,018 |
| Net charge-offs to loans | 0.5586% | 1,690 |
| Credit loss provision to net charge-offs | 98.8142% | 2,394 |
| Earnings coverage of net charge-offs (x) | 2.2885% | 3,251 |
| Efficiency ratio | 83.2368% | 1,767 |
| Assets per employee ($millions) | 3.6994% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3484% | 1,592 |
| Loan loss allowance to noncurrent loans | 30.6541% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 5.6991% | 847 |
| Noncurrent loans to loans | 7.6608% | 533 |
| Net loans and leases to total assets | 46.0308% | 5,778 |
| Net loans and leases to deposits | 51.8789% | 5,980 |
| Net loans and leases to core deposits | 52.3828% | 6,174 |
| Total domestic deposits to total assets | 88.7273% | 1,870 |
| Equity capital to assets | 10.7791% | 3,176 |
| Core capital (leverage) ratio | 9.4978% | 4,050 |
| Tier 1 risk-based capital ratio | 14.8442% | 3,858 |
| Total risk-based capital ratio | 16.1009% | 3,825 |
| Memoranda: | ||
| Average total assets | $378,621,500 | 1,749 |
| Average earning assets | $330,031,000 | 1,831 |
| Average equity | $40,916,500 | 1,702 |
| Average total loans | $181,159,500 | 2,221 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 5,040 |
| Cost of funding earning assets | 0.9460% | 3,743 |
| Net interest margin | 3.5632% | 4,877 |
| Noninterest income to average assets | 0.5505% | 3,507 |
| Noninterest expense to average assets | 2.6768% | 4,832 |
| Loan and lease loss provision to assets | 0.8284% | 1,180 |
| Net operating income to assets | 0.2124% | 5,551 |
| Return on assets (ROA) | 0.1163% | 5,951 |
| Pretax return on assets | 0.0428% | 6,057 |
| Return on Equity (ROE) | 1.2194% | 5,908 |
| Retained earnings to average equity (ytd only) | 1.2194% | 5,281 |
| Net charge-offs to loans | 2.2177% | 571 |
| Credit loss provision to net charge-offs | 71.5317% | 4,795 |
| Earnings coverage of net charge-offs (x) | 0.8353% | 5,173 |
| Efficiency ratio | 73.4533% | 3,314 |
| Assets per employee ($millions) | 3.5159% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3103% | 1,605 |
| Loan loss allowance to noncurrent loans | 34.1671% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 5.3982% | 957 |
| Noncurrent loans to loans | 6.7618% | 672 |
| Net loans and leases to total assets | 47.4436% | 5,881 |
| Net loans and leases to deposits | 53.5201% | 6,114 |
| Net loans and leases to core deposits | 54.3408% | 6,279 |
| Total domestic deposits to total assets | 88.6465% | 1,756 |
| Equity capital to assets | 10.8347% | 3,154 |
| Core capital (leverage) ratio | 9.3400% | 4,266 |
| Tier 1 risk-based capital ratio | 14.6496% | 3,868 |
| Total risk-based capital ratio | 15.9061% | 3,841 |
| Memoranda: | ||
| Average total assets | $382,770,400 | 1,689 |
| Average earning assets | $332,342,600 | 1,783 |
| Average equity | $36,493,400 | 1,854 |
| Average total loans | $199,892,000 | 2,048 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6012% | 4,860 |
| Cost of funding earning assets | 0.9913% | 3,740 |
| Net interest margin | 3.6099% | 4,726 |
| Noninterest income to average assets | 0.5105% | 3,794 |
| Noninterest expense to average assets | 2.6665% | 4,853 |
| Loan and lease loss provision to assets | 1.2590% | 603 |
| Net operating income to assets | -0.0819% | 6,262 |
| Return on assets (ROA) | -0.0642% | 6,333 |
| Pretax return on assets | -0.2511% | 6,454 |
| Return on Equity (ROE) | -0.6963% | 6,342 |
| Retained earnings to average equity (ytd only) | -0.6963% | 6,102 |
| Net charge-offs to loans | 2.6250% | 403 |
| Credit loss provision to net charge-offs | 90.2985% | 3,761 |
| Earnings coverage of net charge-offs (x) | 0.7030% | 5,100 |
| Efficiency ratio | 73.1216% | 3,344 |
| Assets per employee ($millions) | 3.5189% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7420% | 1,084 |
| Loan loss allowance to noncurrent loans | 36.7248% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 5.5272% | 1,004 |
| Noncurrent loans to loans | 7.4664% | 633 |
| Net loans and leases to total assets | 47.9775% | 5,958 |
| Net loans and leases to deposits | 53.6300% | 6,242 |
| Net loans and leases to core deposits | 54.7618% | 6,405 |
| Total domestic deposits to total assets | 89.4603% | 1,161 |
| Equity capital to assets | 9.7182% | 4,752 |
| Core capital (leverage) ratio | 7.9680% | 6,426 |
| Tier 1 risk-based capital ratio | 12.6275% | 5,388 |
| Total risk-based capital ratio | 13.8889% | 5,364 |
| Memoranda: | ||
| Average total assets | $384,413,000 | 1,695 |
| Average earning assets | $333,965,750 | 1,786 |
| Average equity | $35,426,750 | 1,906 |
| Average total loans | $204,189,000 | 2,025 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 4,984 |
| Cost of funding earning assets | 1.0301% | 3,747 |
| Net interest margin | 3.5645% | 4,861 |
| Noninterest income to average assets | 0.4516% | 4,273 |
| Noninterest expense to average assets | 2.7785% | 4,513 |
| Loan and lease loss provision to assets | 1.2531% | 608 |
| Net operating income to assets | -0.2078% | 6,478 |
| Return on assets (ROA) | -0.1840% | 6,493 |
| Pretax return on assets | -0.4475% | 6,622 |
| Return on Equity (ROE) | -2.0320% | 6,518 |
| Retained earnings to average equity (ytd only) | -2.0320% | 6,257 |
| Net charge-offs to loans | 2.2022% | 584 |
| Credit loss provision to net charge-offs | 104.7064% | 2,949 |
| Earnings coverage of net charge-offs (x) | 0.6421% | 4,821 |
| Efficiency ratio | 78.3362% | 2,659 |
| Assets per employee ($millions) | 3.5758% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7893% | 1,085 |
| Loan loss allowance to noncurrent loans | 34.3194% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 6.1307% | 911 |
| Noncurrent loans to loans | 8.1274% | 548 |
| Net loans and leases to total assets | 50.4649% | 5,759 |
| Net loans and leases to deposits | 56.0544% | 6,135 |
| Net loans and leases to core deposits | 57.2099% | 6,331 |
| Total domestic deposits to total assets | 90.0285% | 959 |
| Equity capital to assets | 9.1937% | 5,289 |
| Core capital (leverage) ratio | 7.5825% | 6,687 |
| Tier 1 risk-based capital ratio | 11.2852% | 6,327 |
| Total risk-based capital ratio | 12.5469% | 6,312 |
| Memoranda: | ||
| Average total assets | $387,044,000 | 1,695 |
| Average earning assets | $336,096,670 | 1,780 |
| Average equity | $35,038,670 | 1,907 |
| Average total loans | $210,339,330 | 1,990 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 5,081 |
| Cost of funding earning assets | 1.0756% | 3,688 |
| Net interest margin | 3.4941% | 5,038 |
| Noninterest income to average assets | 1.0654% | 1,158 |
| Noninterest expense to average assets | 2.7532% | 4,632 |
| Loan and lease loss provision to assets | 1.7808% | 328 |
| Net operating income to assets | -0.1930% | 6,554 |
| Return on assets (ROA) | -0.1930% | 6,571 |
| Pretax return on assets | -0.4336% | 6,716 |
| Return on Equity (ROE) | -2.1491% | 6,599 |
| Retained earnings to average equity (ytd only) | -2.1491% | 6,170 |
| Net charge-offs to loans | 3.1997% | 332 |
| Credit loss provision to net charge-offs | 100.1742% | 2,644 |
| Earnings coverage of net charge-offs (x) | 0.7578% | 4,069 |
| Efficiency ratio | 67.1450% | 4,818 |
| Assets per employee ($millions) | 3.5800% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5653% | 1,361 |
| Loan loss allowance to noncurrent loans | 25.3723% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 7.5898% | 654 |
| Noncurrent loans to loans | 10.1108% | 397 |
| Net loans and leases to total assets | 53.8917% | 5,322 |
| Net loans and leases to deposits | 59.6760% | 5,756 |
| Net loans and leases to core deposits | 61.3331% | 5,987 |
| Total domestic deposits to total assets | 90.3071% | 960 |
| Equity capital to assets | 8.9888% | 5,214 |
| Core capital (leverage) ratio | 7.5581% | 6,691 |
| Tier 1 risk-based capital ratio | 10.8847% | 6,580 |
| Total risk-based capital ratio | 12.1447% | 6,553 |
| Memoranda: | ||
| Average total assets | $387,471,500 | 1,704 |
| Average earning assets | $336,571,000 | 1,783 |
| Average equity | $34,805,500 | 1,904 |
| Average total loans | $215,268,000 | 1,965 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 6,155 |
| Cost of funding earning assets | 1.2646% | 4,109 |
| Net interest margin | 3.3199% | 5,909 |
| Noninterest income to average assets | 0.0918% | 6,936 |
| Noninterest expense to average assets | 2.6685% | 5,132 |
| Loan and lease loss provision to assets | 1.0899% | 1,470 |
| Net operating income to assets | -0.4090% | 6,323 |
| Return on assets (ROA) | -0.4055% | 6,347 |
| Pretax return on assets | -0.7516% | 6,489 |
| Return on Equity (ROE) | -4.5472% | 6,395 |
| Retained earnings to average equity (ytd only) | -4.5472% | 6,255 |
| Net charge-offs to loans | 3.2289% | 483 |
| Credit loss provision to net charge-offs | 60.3917% | 6,074 |
| Earnings coverage of net charge-offs (x) | 0.1844% | 5,925 |
| Efficiency ratio | 88.9098% | 1,399 |
| Assets per employee ($millions) | 3.4983% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5304% | 1,375 |
| Loan loss allowance to noncurrent loans | 25.0080% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 7.7068% | 661 |
| Noncurrent loans to loans | 10.1183% | 415 |
| Net loans and leases to total assets | 54.3906% | 5,584 |
| Net loans and leases to deposits | 61.4050% | 5,908 |
| Net loans and leases to core deposits | 63.5650% | 6,094 |
| Total domestic deposits to total assets | 88.5769% | 1,905 |
| Equity capital to assets | 8.9766% | 5,177 |
| Core capital (leverage) ratio | 7.6588% | 6,576 |
| Tier 1 risk-based capital ratio | 11.2391% | 6,143 |
| Total risk-based capital ratio | 12.4988% | 6,121 |
| Memoranda: | ||
| Average total assets | $407,379,800 | 1,620 |
| Average earning assets | $357,030,000 | 1,679 |
| Average equity | $36,329,800 | 1,821 |
| Average total loans | $227,692,600 | 1,915 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 6,365 |
| Cost of funding earning assets | 1.2956% | 4,241 |
| Net interest margin | 3.2939% | 6,038 |
| Noninterest income to average assets | 0.0430% | 7,308 |
| Noninterest expense to average assets | 2.6893% | 4,923 |
| Loan and lease loss provision to assets | 0.6567% | 2,326 |
| Net operating income to assets | -0.1821% | 6,299 |
| Return on assets (ROA) | -0.1792% | 6,367 |
| Pretax return on assets | -0.4066% | 6,498 |
| Return on Equity (ROE) | -2.0128% | 6,406 |
| Retained earnings to average equity (ytd only) | -2.0128% | 6,206 |
| Net charge-offs to loans | 3.5120% | 381 |
| Credit loss provision to net charge-offs | 33.4432% | 6,114 |
| Earnings coverage of net charge-offs (x) | 0.1250% | 5,896 |
| Efficiency ratio | 91.6336% | 1,158 |
| Assets per employee ($millions) | 3.6585% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9824% | 2,270 |
| Loan loss allowance to noncurrent loans | 19.5291% | 6,922 |
| Noncurrent assets plus other real estate owned to assets | 7.3274% | 727 |
| Noncurrent loans to loans | 10.1508% | 406 |
| Net loans and leases to total assets | 52.0869% | 6,091 |
| Net loans and leases to deposits | 58.5437% | 6,422 |
| Net loans and leases to core deposits | 64.1786% | 6,289 |
| Total domestic deposits to total assets | 88.9710% | 1,402 |
| Equity capital to assets | 9.1379% | 5,394 |
| Core capital (leverage) ratio | 8.4509% | 5,600 |
| Tier 1 risk-based capital ratio | 12.4577% | 5,021 |
| Total risk-based capital ratio | 13.7117% | 4,994 |
| Memoranda: | ||
| Average total assets | $412,147,750 | 1,632 |
| Average earning assets | $361,836,250 | 1,688 |
| Average equity | $36,698,000 | 1,824 |
| Average total loans | $230,444,250 | 1,918 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 6,257 |
| Cost of funding earning assets | 1.3445% | 4,221 |
| Net interest margin | 3.3212% | 5,938 |
| Noninterest income to average assets | 0.0083% | 7,499 |
| Noninterest expense to average assets | 2.7096% | 4,866 |
| Loan and lease loss provision to assets | 0.2915% | 4,053 |
| Net operating income to assets | 0.0344% | 6,028 |
| Return on assets (ROA) | 0.0369% | 6,117 |
| Pretax return on assets | -0.0767% | 6,224 |
| Return on Equity (ROE) | 0.4183% | 6,108 |
| Retained earnings to average equity (ytd only) | 0.4183% | 5,602 |
| Net charge-offs to loans | 1.0981% | 1,721 |
| Credit loss provision to net charge-offs | 46.6926% | 5,492 |
| Earnings coverage of net charge-offs (x) | 0.3377% | 5,385 |
| Efficiency ratio | 92.7811% | 1,141 |
| Assets per employee ($millions) | 3.6938% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3865% | 596 |
| Loan loss allowance to noncurrent loans | 31.3874% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 8.1042% | 602 |
| Noncurrent loans to loans | 10.7893% | 381 |
| Net loans and leases to total assets | 53.6475% | 6,030 |
| Net loans and leases to deposits | 60.1146% | 6,400 |
| Net loans and leases to core deposits | 65.2516% | 6,293 |
| Total domestic deposits to total assets | 89.2420% | 1,310 |
| Equity capital to assets | 8.9647% | 5,503 |
| Core capital (leverage) ratio | 8.3856% | 5,603 |
| Tier 1 risk-based capital ratio | 12.1634% | 5,161 |
| Total risk-based capital ratio | 13.4321% | 5,120 |
| Memoranda: | ||
| Average total assets | $411,727,330 | 1,653 |
| Average earning assets | $361,014,000 | 1,701 |
| Average equity | $36,338,330 | 1,831 |
| Average total loans | $234,030,000 | 1,914 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 5,815 |
| Cost of funding earning assets | 1.3994% | 4,176 |
| Net interest margin | 3.4206% | 5,496 |
| Noninterest income to average assets | 0.7000% | 2,605 |
| Noninterest expense to average assets | 2.7117% | 4,847 |
| Loan and lease loss provision to assets | 0.5817% | 2,173 |
| Net operating income to assets | 0.3607% | 5,016 |
| Return on assets (ROA) | 0.3607% | 5,145 |
| Pretax return on assets | 0.4043% | 5,280 |
| Return on Equity (ROE) | 4.1185% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.1185% | 3,680 |
| Net charge-offs to loans | 0.6711% | 2,149 |
| Credit loss provision to net charge-offs | 150.7538% | 2,365 |
| Earnings coverage of net charge-offs (x) | 2.5553% | 3,267 |
| Efficiency ratio | 73.3351% | 3,699 |
| Assets per employee ($millions) | 3.7547% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6471% | 488 |
| Loan loss allowance to noncurrent loans | 38.2429% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 7.3437% | 707 |
| Noncurrent loans to loans | 9.5366% | 461 |
| Net loans and leases to total assets | 54.4970% | 5,963 |
| Net loans and leases to deposits | 60.9839% | 6,364 |
| Net loans and leases to core deposits | 67.5679% | 6,140 |
| Total domestic deposits to total assets | 89.3629% | 1,327 |
| Equity capital to assets | 8.7504% | 5,650 |
| Core capital (leverage) ratio | 8.3478% | 5,645 |
| Tier 1 risk-based capital ratio | 11.8852% | 5,312 |
| Total risk-based capital ratio | 13.1565% | 5,244 |
| Memoranda: | ||
| Average total assets | $412,586,000 | 1,690 |
| Average earning assets | $361,579,000 | 1,734 |
| Average equity | $36,129,500 | 1,859 |
| Average total loans | $237,210,000 | 1,944 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0983% | 6,092 |
| Cost of funding earning assets | 1.6767% | 4,634 |
| Net interest margin | 3.4216% | 5,284 |
| Noninterest income to average assets | 0.7379% | 2,747 |
| Noninterest expense to average assets | 2.7836% | 5,037 |
| Loan and lease loss provision to assets | 1.4611% | 1,579 |
| Net operating income to assets | -0.2263% | 5,869 |
| Return on assets (ROA) | -0.2158% | 5,852 |
| Pretax return on assets | -0.4863% | 5,997 |
| Return on Equity (ROE) | -2.3417% | 5,901 |
| Retained earnings to average equity (ytd only) | -4.0466% | 5,871 |
| Net charge-offs to loans | 0.7601% | 2,921 |
| Credit loss provision to net charge-offs | 310.7879% | 1,058 |
| Earnings coverage of net charge-offs (x) | 2.0386% | 4,199 |
| Efficiency ratio | 74.3871% | 3,813 |
| Assets per employee ($millions) | 3.6142% | 4,752 |
| Cash dividends to net income (ytd only)* | -72.8111% | 7,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5170% | 520 |
| Loan loss allowance to noncurrent loans | 31.2349% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 8.3746% | 514 |
| Noncurrent loans to loans | 11.2599% | 329 |
| Net loans and leases to total assets | 56.3907% | 5,899 |
| Net loans and leases to deposits | 63.0144% | 6,361 |
| Net loans and leases to core deposits | 77.0055% | 6,336 |
| Total domestic deposits to total assets | 89.4886% | 1,214 |
| Equity capital to assets | 8.7634% | 5,495 |
| Core capital (leverage) ratio | 8.0700% | 6,049 |
| Tier 1 risk-based capital ratio | 11.7708% | 5,133 |
| Total risk-based capital ratio | 13.0412% | 5,081 |
| Memoranda: | ||
| Average total assets | $402,217,600 | 1,707 |
| Average earning assets | $353,138,000 | 1,768 |
| Average equity | $37,067,800 | 1,815 |
| Average total loans | $248,769,200 | 1,900 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1442% | 6,126 |
| Cost of funding earning assets | 1.7233% | 4,781 |
| Net interest margin | 3.4209% | 5,179 |
| Noninterest income to average assets | 0.7367% | 2,785 |
| Noninterest expense to average assets | 2.8435% | 4,706 |
| Loan and lease loss provision to assets | 0.7976% | 2,370 |
| Net operating income to assets | 0.1637% | 5,275 |
| Return on assets (ROA) | 0.1707% | 5,317 |
| Pretax return on assets | 0.1081% | 5,507 |
| Return on Equity (ROE) | 1.8294% | 5,225 |
| Retained earnings to average equity (ytd only) | 0.2247% | 5,105 |
| Net charge-offs to loans | 0.5470% | 3,046 |
| Credit loss provision to net charge-offs | 232.4927% | 1,876 |
| Earnings coverage of net charge-offs (x) | 2.6198% | 3,911 |
| Efficiency ratio | 75.9826% | 3,520 |
| Assets per employee ($millions) | 3.6110% | 4,659 |
| Cash dividends to net income (ytd only)* | 87.7204% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3390% | 1,251 |
| Loan loss allowance to noncurrent loans | 25.3434% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 7.4421% | 606 |
| Noncurrent loans to loans | 9.2293% | 470 |
| Net loans and leases to total assets | 59.0929% | 5,730 |
| Net loans and leases to deposits | 66.5506% | 6,252 |
| Net loans and leases to core deposits | 83.7824% | 6,056 |
| Total domestic deposits to total assets | 88.7940% | 1,295 |
| Equity capital to assets | 9.3157% | 5,011 |
| Core capital (leverage) ratio | 8.6930% | 5,137 |
| Tier 1 risk-based capital ratio | 11.7924% | 5,158 |
| Total risk-based capital ratio | 13.0506% | 5,098 |
| Memoranda: | ||
| Average total assets | $400,671,000 | 1,727 |
| Average earning assets | $352,022,000 | 1,791 |
| Average equity | $37,387,250 | 1,816 |
| Average total loans | $251,287,250 | 1,907 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1758% | 6,162 |
| Cost of funding earning assets | 1.7734% | 4,893 |
| Net interest margin | 3.4024% | 5,156 |
| Noninterest income to average assets | 0.7303% | 2,814 |
| Noninterest expense to average assets | 2.8934% | 4,521 |
| Loan and lease loss provision to assets | 0.8473% | 1,979 |
| Net operating income to assets | 0.0994% | 5,563 |
| Return on assets (ROA) | 0.1065% | 5,644 |
| Pretax return on assets | 0.0010% | 5,865 |
| Return on Equity (ROE) | 1.1404% | 5,595 |
| Retained earnings to average equity (ytd only) | -1.0113% | 5,489 |
| Net charge-offs to loans | 0.6188% | 2,485 |
| Credit loss provision to net charge-offs | 215.7289% | 2,131 |
| Earnings coverage of net charge-offs (x) | 2.1419% | 4,002 |
| Efficiency ratio | 77.4744% | 3,424 |
| Assets per employee ($millions) | 3.2660% | 5,414 |
| Cash dividends to net income (ytd only)* | 188.6792% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1304% | 1,347 |
| Loan loss allowance to noncurrent loans | 42.6279% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 4.9005% | 1,101 |
| Noncurrent loans to loans | 4.9977% | 1,231 |
| Net loans and leases to total assets | 61.2671% | 5,476 |
| Net loans and leases to deposits | 70.8087% | 5,896 |
| Net loans and leases to core deposits | 89.0819% | 5,625 |
| Total domestic deposits to total assets | 86.5249% | 2,501 |
| Equity capital to assets | 9.3015% | 4,865 |
| Core capital (leverage) ratio | 8.8307% | 4,897 |
| Tier 1 risk-based capital ratio | 11.7021% | 5,196 |
| Total risk-based capital ratio | 12.9586% | 5,120 |
| Memoranda: | ||
| Average total assets | $398,214,000 | 1,766 |
| Average earning assets | $351,638,330 | 1,814 |
| Average equity | $37,179,000 | 1,834 |
| Average total loans | $252,750,000 | 1,932 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 6,619 |
| Cost of funding earning assets | 1.8073% | 5,083 |
| Net interest margin | 3.3016% | 5,493 |
| Noninterest income to average assets | 0.7064% | 2,848 |
| Noninterest expense to average assets | 2.8506% | 4,332 |
| Loan and lease loss provision to assets | 1.0420% | 1,255 |
| Net operating income to assets | -0.0875% | 6,394 |
| Return on assets (ROA) | -0.0824% | 6,501 |
| Pretax return on assets | -0.2321% | 6,605 |
| Return on Equity (ROE) | -0.8808% | 6,523 |
| Retained earnings to average equity (ytd only) | -5.1776% | 6,573 |
| Net charge-offs to loans | 0.1148% | 4,050 |
| Credit loss provision to net charge-offs | 1,420.5479% | 448 |
| Earnings coverage of net charge-offs (x) | 10.9315% | 1,907 |
| Efficiency ratio | 78.0468% | 3,157 |
| Assets per employee ($millions) | 3.3928% | 5,093 |
| Cash dividends to net income (ytd only)* | -487.8049% | 8,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1021% | 1,231 |
| Loan loss allowance to noncurrent loans | 39.7558% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 3.8776% | 1,352 |
| Noncurrent loans to loans | 5.2874% | 1,002 |
| Net loans and leases to total assets | 62.5037% | 5,237 |
| Net loans and leases to deposits | 73.4948% | 5,541 |
| Net loans and leases to core deposits | 94.5414% | 5,107 |
| Total domestic deposits to total assets | 85.0450% | 3,177 |
| Equity capital to assets | 9.2429% | 5,023 |
| Core capital (leverage) ratio | 9.0023% | 4,712 |
| Tier 1 risk-based capital ratio | 11.4952% | 5,421 |
| Total risk-based capital ratio | 12.7517% | 5,306 |
| Memoranda: | ||
| Average total assets | $398,095,000 | 1,773 |
| Average earning assets | $355,227,000 | 1,806 |
| Average equity | $37,237,500 | 1,834 |
| Average total loans | $254,408,000 | 1,938 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7997% | 6,435 |
| Cost of funding earning assets | 2.4817% | 4,305 |
| Net interest margin | 3.3179% | 5,973 |
| Noninterest income to average assets | 0.7520% | 2,767 |
| Noninterest expense to average assets | 2.7115% | 5,217 |
| Loan and lease loss provision to assets | 0.5496% | 2,622 |
| Net operating income to assets | 0.4312% | 5,027 |
| Return on assets (ROA) | 0.3797% | 5,045 |
| Pretax return on assets | 0.3984% | 5,261 |
| Return on Equity (ROE) | 4.0282% | 4,815 |
| Retained earnings to average equity (ytd only) | 0.1317% | 5,152 |
| Net charge-offs to loans | 0.2011% | 4,190 |
| Credit loss provision to net charge-offs | 428.8538% | 1,020 |
| Earnings coverage of net charge-offs (x) | 7.8202% | 3,019 |
| Efficiency ratio | 73.0119% | 3,746 |
| Assets per employee ($millions) | 3.3833% | 4,980 |
| Cash dividends to net income (ytd only)* | 96.7312% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 1,795 |
| Loan loss allowance to noncurrent loans | 50.2221% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 2.7402% | 1,726 |
| Noncurrent loans to loans | 3.4671% | 1,465 |
| Net loans and leases to total assets | 62.8538% | 5,484 |
| Net loans and leases to deposits | 76.1847% | 5,568 |
| Net loans and leases to core deposits | 95.6820% | 5,282 |
| Total domestic deposits to total assets | 82.5018% | 3,993 |
| Equity capital to assets | 9.4662% | 4,739 |
| Core capital (leverage) ratio | 9.1058% | 4,585 |
| Tier 1 risk-based capital ratio | 11.8154% | 4,972 |
| Total risk-based capital ratio | 13.0679% | 4,871 |
| Memoranda: | ||
| Average total assets | $394,801,800 | 1,716 |
| Average earning assets | $352,417,200 | 1,757 |
| Average equity | $37,212,800 | 1,822 |
| Average total loans | $251,613,200 | 1,898 |