Home > First National Bank of La Grange > Performance and Condition Ratios
First National Bank of La Grange, Performance and Condition Ratios
| 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 | 2.9336% | 6,176 |
| Cost of funding earning assets | 0.0939% | 6,431 |
| Net interest margin | 2.8396% | 5,803 |
| Noninterest income to average assets | 1.3580% | 669 |
| Noninterest expense to average assets | 2.7852% | 3,519 |
| Loan and lease loss provision to assets | -0.0397% | 6,151 |
| Net operating income to assets | 1.2460% | 1,539 |
| Return on assets (ROA) | 1.2460% | 1,592 |
| Pretax return on assets | 1.2674% | 2,501 |
| Return on Equity (ROE) | 13.6277% | 1,069 |
| Retained earnings to average equity (ytd only) | 0.5869% | 5,631 |
| Net charge-offs to loans | 0.1909% | 1,940 |
| Credit loss provision to net charge-offs | -42.9185% | 5,329 |
| Earnings coverage of net charge-offs (x) | 13.2575% | 2,245 |
| Efficiency ratio | 69.4068% | 3,612 |
| Assets per employee ($millions) | 5.7862% | 1,497 |
| Cash dividends to net income (ytd only)* | 95.6937% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 3,343 |
| Loan loss allowance to noncurrent loans | 47.8344% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 1.4833% | 2,075 |
| Noncurrent loans to loans | 2.8462% | 961 |
| Net loans and leases to total assets | 48.6388% | 5,138 |
| Net loans and leases to deposits | 53.7211% | 5,410 |
| Net loans and leases to core deposits | 54.8759% | 5,513 |
| Total domestic deposits to total assets | 90.5396% | 512 |
| Equity capital to assets | 9.2378% | 5,101 |
| Core capital (leverage) ratio | 9.0573% | 4,987 |
| Tier 1 risk-based capital ratio | 17.3058% | 2,472 |
| Total risk-based capital ratio | 18.5558% | 2,429 |
| Memoranda: | ||
| Average total assets | $335,477,500 | 1,951 |
| Average earning assets | $313,648,500 | 1,918 |
| Average equity | $30,672,000 | 2,249 |
| Average total loans | $162,770,750 | 2,411 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8944% | 6,260 |
| Cost of funding earning assets | 0.0925% | 6,499 |
| Net interest margin | 2.8020% | 5,904 |
| Noninterest income to average assets | 1.4286% | 593 |
| Noninterest expense to average assets | 2.7576% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2694% | 1,394 |
| Return on assets (ROA) | 1.2694% | 1,448 |
| Pretax return on assets | 1.2909% | 2,286 |
| Return on Equity (ROE) | 13.9323% | 967 |
| Retained earnings to average equity (ytd only) | 0.8442% | 5,410 |
| Net charge-offs to loans | 0.0259% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 103.0952% | 548 |
| Efficiency ratio | 68.1149% | 3,985 |
| Assets per employee ($millions) | 5.5104% | 1,684 |
| Cash dividends to net income (ytd only)* | 93.9408% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 2,564 |
| Loan loss allowance to noncurrent loans | 45.8281% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 1.7433% | 1,864 |
| Noncurrent loans to loans | 3.4359% | 783 |
| Net loans and leases to total assets | 46.9303% | 5,276 |
| Net loans and leases to deposits | 51.7953% | 5,508 |
| Net loans and leases to core deposits | 53.0442% | 5,611 |
| Total domestic deposits to total assets | 90.6072% | 544 |
| Equity capital to assets | 9.1329% | 5,173 |
| Core capital (leverage) ratio | 9.1701% | 4,786 |
| Tier 1 risk-based capital ratio | 17.2909% | 2,504 |
| Total risk-based capital ratio | 18.5079% | 2,475 |
| Memoranda: | ||
| Average total assets | $335,437,330 | 1,948 |
| Average earning assets | $313,638,330 | 1,912 |
| Average equity | $30,562,000 | 2,244 |
| Average total loans | $161,866,330 | 2,428 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9150% | 6,317 |
| Cost of funding earning assets | 0.0902% | 6,590 |
| Net interest margin | 2.8248% | 5,887 |
| Noninterest income to average assets | 1.6213% | 469 |
| Noninterest expense to average assets | 2.8044% | 3,545 |
| Loan and lease loss provision to assets | 0.0602% | 2,899 |
| Net operating income to assets | 1.3745% | 1,052 |
| Return on assets (ROA) | 1.3745% | 1,091 |
| Pretax return on assets | 1.3962% | 1,757 |
| Return on Equity (ROE) | 15.1048% | 763 |
| Retained earnings to average equity (ytd only) | 1.8782% | 4,842 |
| Net charge-offs to loans | -0.0347% | 5,647 |
| Credit loss provision to net charge-offs | -357.1429% | 5,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8192% | 4,560 |
| Assets per employee ($millions) | 5.3375% | 1,875 |
| Cash dividends to net income (ytd only)* | 87.5657% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 2,536 |
| Loan loss allowance to noncurrent loans | 46.3530% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 1.8098% | 1,936 |
| Noncurrent loans to loans | 3.5467% | 813 |
| Net loans and leases to total assets | 47.9085% | 5,143 |
| Net loans and leases to deposits | 52.9267% | 5,389 |
| Net loans and leases to core deposits | 54.2930% | 5,477 |
| Total domestic deposits to total assets | 90.5185% | 790 |
| Equity capital to assets | 9.2386% | 4,829 |
| Core capital (leverage) ratio | 9.2773% | 4,607 |
| Tier 1 risk-based capital ratio | 17.5213% | 2,473 |
| Total risk-based capital ratio | 18.7684% | 2,446 |
| Memoranda: | ||
| Average total assets | $332,333,500 | 1,974 |
| Average earning assets | $310,530,000 | 1,945 |
| Average equity | $30,242,000 | 2,261 |
| Average total loans | $161,349,500 | 2,443 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0356% | 6,306 |
| Cost of funding earning assets | 0.1068% | 6,657 |
| Net interest margin | 2.9289% | 5,733 |
| Noninterest income to average assets | 1.5557% | 592 |
| Noninterest expense to average assets | 2.7751% | 3,813 |
| Loan and lease loss provision to assets | 0.0318% | 4,482 |
| Net operating income to assets | 1.4550% | 906 |
| Return on assets (ROA) | 1.4550% | 950 |
| Pretax return on assets | 1.4769% | 1,525 |
| Return on Equity (ROE) | 15.6759% | 663 |
| Retained earnings to average equity (ytd only) | 4.2432% | 3,161 |
| Net charge-offs to loans | 0.1128% | 3,696 |
| Credit loss provision to net charge-offs | 60.6936% | 3,541 |
| Earnings coverage of net charge-offs (x) | 28.7630% | 1,227 |
| Efficiency ratio | 64.7817% | 4,774 |
| Assets per employee ($millions) | 5.7541% | 1,439 |
| Cash dividends to net income (ytd only)* | 72.9319% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 2,755 |
| Loan loss allowance to noncurrent loans | 44.5095% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 1.9596% | 1,842 |
| Noncurrent loans to loans | 3.5974% | 853 |
| Net loans and leases to total assets | 47.6182% | 5,336 |
| Net loans and leases to deposits | 52.4807% | 5,588 |
| Net loans and leases to core deposits | 53.8192% | 5,686 |
| Total domestic deposits to total assets | 90.7347% | 691 |
| Equity capital to assets | 8.9624% | 5,083 |
| Core capital (leverage) ratio | 9.3023% | 4,544 |
| Tier 1 risk-based capital ratio | 17.4313% | 2,440 |
| Total risk-based capital ratio | 18.6720% | 2,422 |
| Memoranda: | ||
| Average total assets | $329,823,400 | 1,954 |
| Average earning assets | $307,218,400 | 1,926 |
| Average equity | $30,613,800 | 2,222 |
| Average total loans | $153,302,400 | 2,517 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0182% | 6,405 |
| Cost of funding earning assets | 0.1097% | 6,748 |
| Net interest margin | 2.9085% | 5,795 |
| Noninterest income to average assets | 1.4957% | 656 |
| Noninterest expense to average assets | 2.7542% | 3,815 |
| Loan and lease loss provision to assets | 0.1115% | 2,903 |
| Net operating income to assets | 1.3169% | 1,306 |
| Return on assets (ROA) | 1.3169% | 1,364 |
| Pretax return on assets | 1.3388% | 2,175 |
| Return on Equity (ROE) | 14.0651% | 981 |
| Retained earnings to average equity (ytd only) | 3.2391% | 4,375 |
| Net charge-offs to loans | 0.1754% | 2,820 |
| Credit loss provision to net charge-offs | 138.1910% | 1,692 |
| Earnings coverage of net charge-offs (x) | 17.9746% | 1,704 |
| Efficiency ratio | 65.5063% | 4,574 |
| Assets per employee ($millions) | 5.6617% | 1,488 |
| Cash dividends to net income (ytd only)* | 76.9704% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 2,221 |
| Loan loss allowance to noncurrent loans | 35.0225% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 2.5573% | 1,492 |
| Noncurrent loans to loans | 5.2127% | 553 |
| Net loans and leases to total assets | 45.4914% | 5,593 |
| Net loans and leases to deposits | 50.2581% | 5,819 |
| Net loans and leases to core deposits | 51.5983% | 5,911 |
| Total domestic deposits to total assets | 90.5156% | 735 |
| Equity capital to assets | 9.2204% | 4,907 |
| Core capital (leverage) ratio | 9.1891% | 4,853 |
| Tier 1 risk-based capital ratio | 18.6286% | 2,106 |
| Total risk-based capital ratio | 19.8842% | 2,073 |
| Memoranda: | ||
| Average total assets | $328,844,250 | 1,972 |
| Average earning assets | $306,268,000 | 1,944 |
| Average equity | $30,789,500 | 2,229 |
| Average total loans | $151,251,250 | 2,552 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0384% | 6,409 |
| Cost of funding earning assets | 0.1137% | 6,794 |
| Net interest margin | 2.9247% | 5,738 |
| Noninterest income to average assets | 1.4911% | 705 |
| Noninterest expense to average assets | 2.7218% | 3,954 |
| Loan and lease loss provision to assets | 0.0907% | 3,271 |
| Net operating income to assets | 1.3769% | 1,127 |
| Return on assets (ROA) | 1.3769% | 1,213 |
| Pretax return on assets | 1.3987% | 1,934 |
| Return on Equity (ROE) | 14.6335% | 883 |
| Retained earnings to average equity (ytd only) | 4.9978% | 3,056 |
| Net charge-offs to loans | 0.2727% | 2,115 |
| Credit loss provision to net charge-offs | 72.4638% | 2,773 |
| Earnings coverage of net charge-offs (x) | 11.9034% | 2,023 |
| Efficiency ratio | 64.6333% | 4,769 |
| Assets per employee ($millions) | 5.5334% | 1,552 |
| Cash dividends to net income (ytd only)* | 65.8472% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 2,605 |
| Loan loss allowance to noncurrent loans | 40.5401% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 2.1025% | 2,050 |
| Noncurrent loans to loans | 4.3087% | 844 |
| Net loans and leases to total assets | 44.7453% | 5,670 |
| Net loans and leases to deposits | 49.4579% | 5,885 |
| Net loans and leases to core deposits | 50.9583% | 5,964 |
| Total domestic deposits to total assets | 90.4713% | 776 |
| Equity capital to assets | 9.2358% | 4,938 |
| Core capital (leverage) ratio | 9.0389% | 4,924 |
| Tier 1 risk-based capital ratio | 18.8070% | 2,044 |
| Total risk-based capital ratio | 20.0615% | 2,007 |
| Memoranda: | ||
| Average total assets | $330,886,330 | 1,964 |
| Average earning assets | $307,728,330 | 1,947 |
| Average equity | $31,134,000 | 2,206 |
| Average total loans | $151,822,000 | 2,545 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9534% | 6,560 |
| Cost of funding earning assets | 0.1175% | 6,869 |
| Net interest margin | 2.8360% | 5,953 |
| Noninterest income to average assets | 1.4086% | 774 |
| Noninterest expense to average assets | 2.6395% | 4,278 |
| Loan and lease loss provision to assets | 0.0901% | 3,160 |
| Net operating income to assets | 1.2957% | 1,289 |
| Return on assets (ROA) | 1.2957% | 1,390 |
| Pretax return on assets | 1.3173% | 2,167 |
| Return on Equity (ROE) | 13.6474% | 1,022 |
| Retained earnings to average equity (ytd only) | 4.1613% | 3,723 |
| Net charge-offs to loans | 0.0183% | 3,789 |
| Credit loss provision to net charge-offs | 1,071.4286% | 297 |
| Earnings coverage of net charge-offs (x) | 167.4286% | 242 |
| Efficiency ratio | 65.2226% | 4,792 |
| Assets per employee ($millions) | 5.3288% | 1,828 |
| Cash dividends to net income (ytd only)* | 69.5088% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 2,625 |
| Loan loss allowance to noncurrent loans | 38.1126% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 2.1617% | 2,167 |
| Noncurrent loans to loans | 4.7200% | 848 |
| Net loans and leases to total assets | 44.9754% | 5,551 |
| Net loans and leases to deposits | 49.9978% | 5,784 |
| Net loans and leases to core deposits | 51.3599% | 5,868 |
| Total domestic deposits to total assets | 89.9548% | 1,080 |
| Equity capital to assets | 9.5806% | 4,736 |
| Core capital (leverage) ratio | 9.0245% | 4,848 |
| Tier 1 risk-based capital ratio | 18.4321% | 2,216 |
| Total risk-based capital ratio | 19.6877% | 2,186 |
| Memoranda: | ||
| Average total assets | $333,095,500 | 1,972 |
| Average earning assets | $309,877,000 | 1,961 |
| Average equity | $31,625,000 | 2,204 |
| Average total loans | $153,395,000 | 2,532 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1420% | 6,695 |
| Cost of funding earning assets | 0.1326% | 6,956 |
| Net interest margin | 3.0094% | 6,032 |
| Noninterest income to average assets | 1.4407% | 755 |
| Noninterest expense to average assets | 2.5759% | 4,837 |
| Loan and lease loss provision to assets | 0.1659% | 3,536 |
| Net operating income to assets | 1.4875% | 939 |
| Return on assets (ROA) | 1.4875% | 1,039 |
| Pretax return on assets | 1.5056% | 1,655 |
| Return on Equity (ROE) | 16.4092% | 603 |
| Retained earnings to average equity (ytd only) | 8.9232% | 853 |
| Net charge-offs to loans | -0.1066% | 6,833 |
| Credit loss provision to net charge-offs | -327.3810% | 6,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6476% | 5,437 |
| Assets per employee ($millions) | 5.6916% | 1,525 |
| Cash dividends to net income (ytd only)* | 45.6204% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 2,911 |
| Loan loss allowance to noncurrent loans | 37.6134% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 2.1012% | 2,332 |
| Noncurrent loans to loans | 4.5384% | 936 |
| Net loans and leases to total assets | 45.5090% | 5,667 |
| Net loans and leases to deposits | 50.4881% | 5,922 |
| Net loans and leases to core deposits | 52.0174% | 6,015 |
| Total domestic deposits to total assets | 90.1380% | 879 |
| Equity capital to assets | 9.4094% | 4,985 |
| Core capital (leverage) ratio | 8.7171% | 5,298 |
| Tier 1 risk-based capital ratio | 17.9384% | 2,279 |
| Total risk-based capital ratio | 19.1928% | 2,248 |
| Memoranda: | ||
| Average total assets | $331,569,600 | 1,944 |
| Average earning assets | $309,227,600 | 1,914 |
| Average equity | $30,056,400 | 2,245 |
| Average total loans | $157,597,600 | 2,464 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1775% | 6,808 |
| Cost of funding earning assets | 0.1349% | 7,069 |
| Net interest margin | 3.0426% | 6,077 |
| Noninterest income to average assets | 1.4611% | 698 |
| Noninterest expense to average assets | 2.5951% | 4,762 |
| Loan and lease loss provision to assets | 0.1311% | 3,911 |
| Net operating income to assets | 1.5571% | 937 |
| Return on assets (ROA) | 1.5571% | 1,036 |
| Pretax return on assets | 1.5741% | 1,659 |
| Return on Equity (ROE) | 17.3452% | 568 |
| Retained earnings to average equity (ytd only) | 10.6048% | 759 |
| Net charge-offs to loans | -0.1332% | 6,924 |
| Credit loss provision to net charge-offs | -205.6962% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3471% | 5,440 |
| Assets per employee ($millions) | 5.8247% | 1,354 |
| Cash dividends to net income (ytd only)* | 38.8601% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 3,693 |
| Loan loss allowance to noncurrent loans | 44.1423% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 1.6221% | 3,155 |
| Noncurrent loans to loans | 3.5335% | 1,533 |
| Net loans and leases to total assets | 45.1901% | 5,853 |
| Net loans and leases to deposits | 50.0036% | 6,107 |
| Net loans and leases to core deposits | 51.6088% | 6,206 |
| Total domestic deposits to total assets | 90.3736% | 642 |
| Equity capital to assets | 9.2303% | 5,558 |
| Core capital (leverage) ratio | 8.5122% | 5,731 |
| Tier 1 risk-based capital ratio | 17.5572% | 2,519 |
| Total risk-based capital ratio | 18.8100% | 2,485 |
| Memoranda: | ||
| Average total assets | $330,511,000 | 1,967 |
| Average earning assets | $308,410,750 | 1,939 |
| Average equity | $29,671,250 | 2,289 |
| Average total loans | $158,128,250 | 2,477 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1530% | 6,909 |
| Cost of funding earning assets | 0.1381% | 7,139 |
| Net interest margin | 3.0149% | 6,214 |
| Noninterest income to average assets | 1.3991% | 733 |
| Noninterest expense to average assets | 2.5720% | 4,871 |
| Loan and lease loss provision to assets | 0.0914% | 4,423 |
| Net operating income to assets | 1.5424% | 927 |
| Return on assets (ROA) | 1.5424% | 1,039 |
| Pretax return on assets | 1.5570% | 1,690 |
| Return on Equity (ROE) | 17.3482% | 594 |
| Retained earnings to average equity (ytd only) | 10.4912% | 853 |
| Net charge-offs to loans | -0.0867% | 6,827 |
| Credit loss provision to net charge-offs | -217.3913% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9418% | 5,431 |
| Assets per employee ($millions) | 5.9977% | 1,224 |
| Cash dividends to net income (ytd only)* | 39.5257% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 4,528 |
| Loan loss allowance to noncurrent loans | 41.5782% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 1.5431% | 3,389 |
| Noncurrent loans to loans | 3.3247% | 1,753 |
| Net loans and leases to total assets | 45.7737% | 5,840 |
| Net loans and leases to deposits | 50.5079% | 6,145 |
| Net loans and leases to core deposits | 52.2019% | 6,224 |
| Total domestic deposits to total assets | 90.6268% | 601 |
| Equity capital to assets | 8.9701% | 5,728 |
| Core capital (leverage) ratio | 8.3829% | 5,812 |
| Tier 1 risk-based capital ratio | 16.9284% | 2,701 |
| Total risk-based capital ratio | 18.1789% | 2,660 |
| Memoranda: | ||
| Average total assets | $328,070,330 | 1,979 |
| Average earning assets | $307,007,670 | 1,939 |
| Average equity | $29,167,330 | 2,312 |
| Average total loans | $159,142,330 | 2,474 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1642% | 6,971 |
| Cost of funding earning assets | 0.1465% | 7,200 |
| Net interest margin | 3.0176% | 6,254 |
| Noninterest income to average assets | 1.4425% | 693 |
| Noninterest expense to average assets | 2.5579% | 4,967 |
| Loan and lease loss provision to assets | 0.0925% | 4,194 |
| Net operating income to assets | 1.5979% | 867 |
| Return on assets (ROA) | 1.5979% | 970 |
| Pretax return on assets | 1.6127% | 1,533 |
| Return on Equity (ROE) | 18.0570% | 541 |
| Retained earnings to average equity (ytd only) | 11.0852% | 1,006 |
| Net charge-offs to loans | -0.0075% | 5,870 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 5,610 |
| Assets per employee ($millions) | 5.8061% | 1,428 |
| Cash dividends to net income (ytd only)* | 38.6100% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 5,221 |
| Loan loss allowance to noncurrent loans | 42.7692% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 1.4229% | 3,731 |
| Noncurrent loans to loans | 2.9343% | 2,200 |
| Net loans and leases to total assets | 47.8838% | 5,572 |
| Net loans and leases to deposits | 52.7284% | 5,923 |
| Net loans and leases to core deposits | 54.8647% | 5,992 |
| Total domestic deposits to total assets | 90.8121% | 639 |
| Equity capital to assets | 8.7821% | 5,767 |
| Core capital (leverage) ratio | 8.4596% | 5,659 |
| Tier 1 risk-based capital ratio | 16.1950% | 3,075 |
| Total risk-based capital ratio | 17.3916% | 3,067 |
| Memoranda: | ||
| Average total assets | $324,169,500 | 2,003 |
| Average earning assets | $303,019,500 | 1,964 |
| Average equity | $28,687,000 | 2,346 |
| Average total loans | $160,765,500 | 2,472 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4505% | 7,021 |
| Cost of funding earning assets | 0.2470% | 7,181 |
| Net interest margin | 3.2035% | 6,084 |
| Noninterest income to average assets | 1.3209% | 741 |
| Noninterest expense to average assets | 2.8073% | 4,321 |
| Loan and lease loss provision to assets | 0.3423% | 2,958 |
| Net operating income to assets | 1.1697% | 1,606 |
| Return on assets (ROA) | 1.4147% | 1,078 |
| Pretax return on assets | 1.4280% | 1,691 |
| Return on Equity (ROE) | 16.7160% | 505 |
| Retained earnings to average equity (ytd only) | 9.2267% | 741 |
| Net charge-offs to loans | 0.4201% | 3,327 |
| Credit loss provision to net charge-offs | 167.7019% | 1,610 |
| Earnings coverage of net charge-offs (x) | 7.4612% | 2,331 |
| Efficiency ratio | 64.8320% | 4,978 |
| Assets per employee ($millions) | 5.3796% | 1,758 |
| Cash dividends to net income (ytd only)* | 44.8029% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 5,378 |
| Loan loss allowance to noncurrent loans | 40.9216% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 1.5678% | 3,595 |
| Noncurrent loans to loans | 2.9376% | 2,215 |
| Net loans and leases to total assets | 50.1308% | 5,562 |
| Net loans and leases to deposits | 55.4349% | 5,939 |
| Net loans and leases to core deposits | 57.7873% | 6,012 |
| Total domestic deposits to total assets | 90.4318% | 752 |
| Equity capital to assets | 8.9195% | 5,654 |
| Core capital (leverage) ratio | 8.2167% | 5,964 |
| Tier 1 risk-based capital ratio | 16.0708% | 3,007 |
| Total risk-based capital ratio | 17.2464% | 3,010 |
| Memoranda: | ||
| Average total assets | $315,537,200 | 2,034 |
| Average earning assets | $296,390,000 | 1,976 |
| Average equity | $26,705,000 | 2,420 |
| Average total loans | $153,314,800 | 2,594 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 7,111 |
| Cost of funding earning assets | 0.2760% | 7,252 |
| Net interest margin | 3.1700% | 6,234 |
| Noninterest income to average assets | 1.2348% | 854 |
| Noninterest expense to average assets | 2.8556% | 4,125 |
| Loan and lease loss provision to assets | 0.1333% | 4,765 |
| Net operating income to assets | 1.2124% | 1,621 |
| Return on assets (ROA) | 1.2568% | 1,602 |
| Pretax return on assets | 1.2704% | 2,398 |
| Return on Equity (ROE) | 15.0545% | 834 |
| Retained earnings to average equity (ytd only) | 7.4512% | 1,734 |
| Net charge-offs to loans | 0.1136% | 4,880 |
| Credit loss provision to net charge-offs | 244.1860% | 1,174 |
| Earnings coverage of net charge-offs (x) | 24.8909% | 1,066 |
| Efficiency ratio | 67.7578% | 4,360 |
| Assets per employee ($millions) | 5.4539% | 1,646 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 5,876 |
| Loan loss allowance to noncurrent loans | 39.8582% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 1.6040% | 3,677 |
| Noncurrent loans to loans | 2.7698% | 2,514 |
| Net loans and leases to total assets | 47.7457% | 5,985 |
| Net loans and leases to deposits | 52.7612% | 6,313 |
| Net loans and leases to core deposits | 55.3269% | 6,361 |
| Total domestic deposits to total assets | 90.4940% | 639 |
| Equity capital to assets | 8.8580% | 5,908 |
| Core capital (leverage) ratio | 7.9902% | 6,409 |
| Tier 1 risk-based capital ratio | 16.0983% | 3,066 |
| Total risk-based capital ratio | 17.1639% | 3,116 |
| Memoranda: | ||
| Average total assets | $315,073,000 | 2,037 |
| Average earning assets | $296,148,750 | 1,980 |
| Average equity | $26,303,750 | 2,454 |
| Average total loans | $151,381,500 | 2,644 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4432% | 7,191 |
| Cost of funding earning assets | 0.3037% | 7,302 |
| Net interest margin | 3.1394% | 6,305 |
| Noninterest income to average assets | 1.2058% | 877 |
| Noninterest expense to average assets | 2.8946% | 4,039 |
| Loan and lease loss provision to assets | 0.1335% | 4,631 |
| Net operating income to assets | 1.1283% | 1,795 |
| Return on assets (ROA) | 1.1950% | 1,670 |
| Pretax return on assets | 1.2083% | 2,450 |
| Return on Equity (ROE) | 14.6123% | 871 |
| Retained earnings to average equity (ytd only) | 6.8398% | 1,953 |
| Net charge-offs to loans | 0.1762% | 4,111 |
| Credit loss provision to net charge-offs | 157.8947% | 1,929 |
| Earnings coverage of net charge-offs (x) | 15.0752% | 1,429 |
| Efficiency ratio | 69.4313% | 4,225 |
| Assets per employee ($millions) | 5.1156% | 1,976 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 6,169 |
| Loan loss allowance to noncurrent loans | 33.5033% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 1.7502% | 3,573 |
| Noncurrent loans to loans | 3.1172% | 2,314 |
| Net loans and leases to total assets | 47.1110% | 6,141 |
| Net loans and leases to deposits | 51.8234% | 6,486 |
| Net loans and leases to core deposits | 54.3697% | 6,536 |
| Total domestic deposits to total assets | 90.9068% | 534 |
| Equity capital to assets | 8.4948% | 6,191 |
| Core capital (leverage) ratio | 8.0486% | 6,240 |
| Tier 1 risk-based capital ratio | 15.6791% | 3,142 |
| Total risk-based capital ratio | 16.6729% | 3,226 |
| Memoranda: | ||
| Average total assets | $314,655,330 | 2,048 |
| Average earning assets | $296,995,330 | 1,993 |
| Average equity | $25,731,670 | 2,491 |
| Average total loans | $150,936,000 | 2,669 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4671% | 7,227 |
| Cost of funding earning assets | 0.3388% | 7,335 |
| Net interest margin | 3.1283% | 6,275 |
| Noninterest income to average assets | 1.2074% | 876 |
| Noninterest expense to average assets | 2.8986% | 4,062 |
| Loan and lease loss provision to assets | 0.1340% | 4,331 |
| Net operating income to assets | 1.1308% | 1,736 |
| Return on assets (ROA) | 1.1308% | 1,780 |
| Pretax return on assets | 1.1449% | 2,585 |
| Return on Equity (ROE) | 14.1049% | 971 |
| Retained earnings to average equity (ytd only) | 6.1450% | 2,549 |
| Net charge-offs to loans | 0.1431% | 3,641 |
| Credit loss provision to net charge-offs | 194.4444% | 1,523 |
| Earnings coverage of net charge-offs (x) | 18.5556% | 1,176 |
| Efficiency ratio | 69.3859% | 4,398 |
| Assets per employee ($millions) | 5.2857% | 1,785 |
| Cash dividends to net income (ytd only)* | 56.4334% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 6,277 |
| Loan loss allowance to noncurrent loans | 37.6456% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 4,287 |
| Noncurrent loans to loans | 2.7426% | 2,756 |
| Net loans and leases to total assets | 48.4950% | 6,019 |
| Net loans and leases to deposits | 53.3081% | 6,360 |
| Net loans and leases to core deposits | 56.1513% | 6,403 |
| Total domestic deposits to total assets | 90.9710% | 643 |
| Equity capital to assets | 8.2667% | 6,203 |
| Core capital (leverage) ratio | 7.5955% | 6,663 |
| Tier 1 risk-based capital ratio | 15.5180% | 3,157 |
| Total risk-based capital ratio | 16.5049% | 3,246 |
| Memoranda: | ||
| Average total assets | $313,398,000 | 2,078 |
| Average earning assets | $297,539,500 | 2,010 |
| Average equity | $25,126,000 | 2,529 |
| Average total loans | $150,904,500 | 2,700 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 7,347 |
| Cost of funding earning assets | 0.4673% | 7,347 |
| Net interest margin | 3.1378% | 6,418 |
| Noninterest income to average assets | 1.3530% | 800 |
| Noninterest expense to average assets | 2.8459% | 4,417 |
| Loan and lease loss provision to assets | 0.1583% | 5,624 |
| Net operating income to assets | 1.3306% | 1,105 |
| Return on assets (ROA) | 1.4097% | 999 |
| Pretax return on assets | 1.3982% | 1,670 |
| Return on Equity (ROE) | 17.3468% | 445 |
| Retained earnings to average equity (ytd only) | 4.1561% | 2,940 |
| Net charge-offs to loans | 0.1704% | 5,307 |
| Credit loss provision to net charge-offs | 192.7711% | 1,657 |
| Earnings coverage of net charge-offs (x) | 17.9880% | 1,120 |
| Efficiency ratio | 65.8274% | 5,002 |
| Assets per employee ($millions) | 5.6180% | 1,484 |
| Cash dividends to net income (ytd only)* | 76.0412% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 6,427 |
| Loan loss allowance to noncurrent loans | 41.6551% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 1.1245% | 4,762 |
| Noncurrent loans to loans | 2.3755% | 3,143 |
| Net loans and leases to total assets | 46.8691% | 6,489 |
| Net loans and leases to deposits | 51.6197% | 6,771 |
| Net loans and leases to core deposits | 55.0600% | 6,747 |
| Total domestic deposits to total assets | 90.7969% | 695 |
| Equity capital to assets | 7.7785% | 6,688 |
| Core capital (leverage) ratio | 7.5443% | 6,664 |
| Tier 1 risk-based capital ratio | 15.1970% | 3,152 |
| Total risk-based capital ratio | 16.1467% | 3,266 |
| Memoranda: | ||
| Average total assets | $303,174,800 | 2,135 |
| Average earning assets | $286,985,200 | 2,068 |
| Average equity | $24,638,600 | 2,589 |
| Average total loans | $146,167,000 | 2,836 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6341% | 7,480 |
| Cost of funding earning assets | 0.5081% | 7,433 |
| Net interest margin | 3.1260% | 6,546 |
| Noninterest income to average assets | 1.3480% | 743 |
| Noninterest expense to average assets | 2.7695% | 4,600 |
| Loan and lease loss provision to assets | 0.1606% | 5,429 |
| Net operating income to assets | 1.3557% | 1,209 |
| Return on assets (ROA) | 1.3703% | 1,251 |
| Pretax return on assets | 1.3881% | 1,914 |
| Return on Equity (ROE) | 16.6697% | 627 |
| Retained earnings to average equity (ytd only) | 3.1039% | 4,265 |
| Net charge-offs to loans | 0.2007% | 4,740 |
| Credit loss provision to net charge-offs | 165.1376% | 2,274 |
| Earnings coverage of net charge-offs (x) | 15.7752% | 1,422 |
| Efficiency ratio | 64.3553% | 5,185 |
| Assets per employee ($millions) | 5.7429% | 1,430 |
| Cash dividends to net income (ytd only)* | 81.3802% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 6,483 |
| Loan loss allowance to noncurrent loans | 43.6437% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 1.0709% | 4,972 |
| Noncurrent loans to loans | 2.2423% | 3,400 |
| Net loans and leases to total assets | 46.0375% | 6,689 |
| Net loans and leases to deposits | 50.7802% | 6,959 |
| Net loans and leases to core deposits | 54.4977% | 6,933 |
| Total domestic deposits to total assets | 90.6604% | 565 |
| Equity capital to assets | 8.3671% | 6,436 |
| Core capital (leverage) ratio | 7.6564% | 6,718 |
| Tier 1 risk-based capital ratio | 15.7395% | 2,887 |
| Total risk-based capital ratio | 16.6826% | 2,999 |
| Memoranda: | ||
| Average total assets | $298,911,500 | 2,189 |
| Average earning assets | $282,614,250 | 2,128 |
| Average equity | $24,571,000 | 2,640 |
| Average total loans | $144,811,750 | 2,897 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6624% | 7,549 |
| Cost of funding earning assets | 0.5378% | 7,495 |
| Net interest margin | 3.1247% | 6,536 |
| Noninterest income to average assets | 1.3504% | 689 |
| Noninterest expense to average assets | 2.7407% | 4,735 |
| Loan and lease loss provision to assets | 0.1626% | 5,262 |
| Net operating income to assets | 1.3757% | 1,136 |
| Return on assets (ROA) | 1.3978% | 1,160 |
| Pretax return on assets | 1.4181% | 1,784 |
| Return on Equity (ROE) | 17.1118% | 557 |
| Retained earnings to average equity (ytd only) | 2.5962% | 4,487 |
| Net charge-offs to loans | 0.1545% | 4,707 |
| Credit loss provision to net charge-offs | 214.2857% | 1,818 |
| Earnings coverage of net charge-offs (x) | 20.5357% | 1,213 |
| Efficiency ratio | 63.7510% | 5,378 |
| Assets per employee ($millions) | 5.6676% | 1,473 |
| Cash dividends to net income (ytd only)* | 84.8279% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 6,539 |
| Loan loss allowance to noncurrent loans | 29.7234% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 1.8020% | 3,754 |
| Noncurrent loans to loans | 3.2519% | 2,466 |
| Net loans and leases to total assets | 47.6508% | 6,648 |
| Net loans and leases to deposits | 52.5280% | 6,946 |
| Net loans and leases to core deposits | 55.3155% | 6,976 |
| Total domestic deposits to total assets | 90.7152% | 595 |
| Equity capital to assets | 8.2864% | 6,439 |
| Core capital (leverage) ratio | 7.7383% | 6,570 |
| Tier 1 risk-based capital ratio | 16.5700% | 2,450 |
| Total risk-based capital ratio | 17.5639% | 2,498 |
| Memoranda: | ||
| Average total assets | $295,175,670 | 2,234 |
| Average earning assets | $278,558,000 | 2,167 |
| Average equity | $24,112,000 | 2,683 |
| Average total loans | $145,021,670 | 2,927 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 7,635 |
| Cost of funding earning assets | 0.5295% | 7,630 |
| Net interest margin | 3.1755% | 6,367 |
| Noninterest income to average assets | 1.2564% | 776 |
| Noninterest expense to average assets | 2.7316% | 4,757 |
| Loan and lease loss provision to assets | 0.1641% | 4,885 |
| Net operating income to assets | 1.3330% | 1,217 |
| Return on assets (ROA) | 1.3330% | 1,290 |
| Pretax return on assets | 1.3535% | 1,891 |
| Return on Equity (ROE) | 16.4401% | 661 |
| Retained earnings to average equity (ytd only) | -0.4215% | 5,928 |
| Net charge-offs to loans | 0.2781% | 3,302 |
| Credit loss provision to net charge-offs | 118.8119% | 2,936 |
| Earnings coverage of net charge-offs (x) | 10.9901% | 1,690 |
| Efficiency ratio | 64.2857% | 5,440 |
| Assets per employee ($millions) | 5.6132% | 1,573 |
| Cash dividends to net income (ytd only)* | 102.5641% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 6,884 |
| Loan loss allowance to noncurrent loans | 27.2189% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 1.6202% | 4,056 |
| Noncurrent loans to loans | 3.2521% | 2,456 |
| Net loans and leases to total assets | 48.4776% | 6,623 |
| Net loans and leases to deposits | 53.0744% | 6,977 |
| Net loans and leases to core deposits | 56.0829% | 6,995 |
| Total domestic deposits to total assets | 91.3391% | 426 |
| Equity capital to assets | 7.9513% | 6,709 |
| Core capital (leverage) ratio | 7.8956% | 6,390 |
| Tier 1 risk-based capital ratio | 16.3631% | 2,497 |
| Total risk-based capital ratio | 17.2813% | 2,601 |
| Memoranda: | ||
| Average total assets | $292,572,000 | 2,296 |
| Average earning assets | $275,737,500 | 2,237 |
| Average equity | $23,722,500 | 2,748 |
| Average total loans | $145,266,500 | 2,979 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 7,632 |
| Cost of funding earning assets | 0.6405% | 7,744 |
| Net interest margin | 3.5056% | 4,929 |
| Noninterest income to average assets | 1.3968% | 750 |
| Noninterest expense to average assets | 2.8461% | 4,764 |
| Loan and lease loss provision to assets | 0.5185% | 3,777 |
| Net operating income to assets | 1.3278% | 978 |
| Return on assets (ROA) | 1.5279% | 676 |
| Pretax return on assets | 1.5496% | 1,075 |
| Return on Equity (ROE) | 17.3273% | 423 |
| Retained earnings to average equity (ytd only) | 0.9033% | 4,391 |
| Net charge-offs to loans | 1.0160% | 2,379 |
| Credit loss provision to net charge-offs | 91.6773% | 5,946 |
| Earnings coverage of net charge-offs (x) | 3.2996% | 3,416 |
| Efficiency ratio | 60.3995% | 6,416 |
| Assets per employee ($millions) | 5.5317% | 1,619 |
| Cash dividends to net income (ytd only)* | 94.7867% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 6,903 |
| Loan loss allowance to noncurrent loans | 47.0697% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 5,170 |
| Noncurrent loans to loans | 1.8590% | 3,849 |
| Net loans and leases to total assets | 49.9767% | 6,643 |
| Net loans and leases to deposits | 55.0397% | 6,982 |
| Net loans and leases to core deposits | 61.6677% | 7,205 |
| Total domestic deposits to total assets | 90.8012% | 619 |
| Equity capital to assets | 8.2706% | 6,240 |
| Core capital (leverage) ratio | 7.9588% | 6,249 |
| Tier 1 risk-based capital ratio | 16.4620% | 2,336 |
| Total risk-based capital ratio | 17.3712% | 2,399 |
| Memoranda: | ||
| Average total assets | $276,204,600 | 2,371 |
| Average earning assets | $261,207,800 | 2,317 |
| Average equity | $24,354,600 | 2,679 |
| Average total loans | $153,733,400 | 2,865 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 7,715 |
| Cost of funding earning assets | 0.6582% | 7,849 |
| Net interest margin | 3.5584% | 4,644 |
| Noninterest income to average assets | 1.3994% | 776 |
| Noninterest expense to average assets | 2.8286% | 4,769 |
| Loan and lease loss provision to assets | 0.2561% | 4,903 |
| Net operating income to assets | 1.6628% | 596 |
| Return on assets (ROA) | 1.6628% | 638 |
| Pretax return on assets | 1.6848% | 1,001 |
| Return on Equity (ROE) | 18.5551% | 399 |
| Retained earnings to average equity (ytd only) | 2.2262% | 4,084 |
| Net charge-offs to loans | 0.7594% | 2,460 |
| Credit loss provision to net charge-offs | 59.1216% | 6,188 |
| Earnings coverage of net charge-offs (x) | 4.4809% | 3,124 |
| Efficiency ratio | 59.3066% | 6,512 |
| Assets per employee ($millions) | 5.0579% | 2,075 |
| Cash dividends to net income (ytd only)* | 88.0023% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7167% | 7,330 |
| Loan loss allowance to noncurrent loans | 34.2027% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 4,936 |
| Noncurrent loans to loans | 2.0955% | 3,509 |
| Net loans and leases to total assets | 50.6666% | 6,722 |
| Net loans and leases to deposits | 56.4038% | 7,060 |
| Net loans and leases to core deposits | 62.8999% | 7,290 |
| Total domestic deposits to total assets | 89.8282% | 835 |
| Equity capital to assets | 8.7458% | 5,885 |
| Core capital (leverage) ratio | 8.1501% | 6,104 |
| Tier 1 risk-based capital ratio | 16.7157% | 2,354 |
| Total risk-based capital ratio | 17.4633% | 2,488 |
| Memoranda: | ||
| Average total assets | $273,344,250 | 2,400 |
| Average earning assets | $258,870,750 | 2,350 |
| Average equity | $24,495,750 | 2,690 |
| Average total loans | $155,910,500 | 2,852 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 7,772 |
| Cost of funding earning assets | 0.6851% | 7,933 |
| Net interest margin | 3.6275% | 4,256 |
| Noninterest income to average assets | 1.4109% | 757 |
| Noninterest expense to average assets | 2.8506% | 4,733 |
| Loan and lease loss provision to assets | 0.2222% | 4,811 |
| Net operating income to assets | 1.7508% | 514 |
| Return on assets (ROA) | 1.7508% | 555 |
| Pretax return on assets | 1.7730% | 890 |
| Return on Equity (ROE) | 19.3741% | 376 |
| Retained earnings to average equity (ytd only) | 2.9832% | 3,661 |
| Net charge-offs to loans | 0.6450% | 2,420 |
| Credit loss provision to net charge-offs | 58.2524% | 5,625 |
| Earnings coverage of net charge-offs (x) | 5.2311% | 2,878 |
| Efficiency ratio | 58.8262% | 6,717 |
| Assets per employee ($millions) | 5.2105% | 1,847 |
| Cash dividends to net income (ytd only)* | 84.6024% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 7,213 |
| Loan loss allowance to noncurrent loans | 41.2400% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 4,935 |
| Noncurrent loans to loans | 1.8968% | 3,674 |
| Net loans and leases to total assets | 53.3728% | 6,527 |
| Net loans and leases to deposits | 59.2580% | 6,947 |
| Net loans and leases to core deposits | 66.1568% | 7,207 |
| Total domestic deposits to total assets | 90.0685% | 803 |
| Equity capital to assets | 8.6801% | 5,784 |
| Core capital (leverage) ratio | 8.4827% | 5,478 |
| Tier 1 risk-based capital ratio | 16.1073% | 2,586 |
| Total risk-based capital ratio | 16.9321% | 2,670 |
| Memoranda: | ||
| Average total assets | $270,044,330 | 2,442 |
| Average earning assets | $255,713,670 | 2,393 |
| Average equity | $24,403,670 | 2,710 |
| Average total loans | $159,698,670 | 2,824 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 7,738 |
| Cost of funding earning assets | 0.7332% | 7,975 |
| Net interest margin | 3.7426% | 3,693 |
| Noninterest income to average assets | 1.3314% | 805 |
| Noninterest expense to average assets | 2.8081% | 4,524 |
| Loan and lease loss provision to assets | 0.2269% | 4,177 |
| Net operating income to assets | 1.8186% | 511 |
| Return on assets (ROA) | 1.8186% | 566 |
| Pretax return on assets | 1.8413% | 910 |
| Return on Equity (ROE) | 19.7098% | 443 |
| Retained earnings to average equity (ytd only) | 3.3123% | 4,036 |
| Net charge-offs to loans | 0.0293% | 5,115 |
| Credit loss provision to net charge-offs | 1,250.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 113.9167% | 380 |
| Efficiency ratio | 57.5861% | 6,752 |
| Assets per employee ($millions) | 5.0159% | 2,057 |
| Cash dividends to net income (ytd only)* | 83.1947% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 6,462 |
| Loan loss allowance to noncurrent loans | 54.5616% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 4,614 |
| Noncurrent loans to loans | 1.7506% | 3,642 |
| Net loans and leases to total assets | 58.8408% | 5,830 |
| Net loans and leases to deposits | 65.5478% | 6,418 |
| Net loans and leases to core deposits | 73.2866% | 6,848 |
| Total domestic deposits to total assets | 89.7677% | 900 |
| Equity capital to assets | 8.9925% | 5,356 |
| Core capital (leverage) ratio | 8.5679% | 5,398 |
| Tier 1 risk-based capital ratio | 15.1722% | 2,986 |
| Total risk-based capital ratio | 16.1878% | 3,030 |
| Memoranda: | ||
| Average total assets | $264,382,500 | 2,511 |
| Average earning assets | $250,412,000 | 2,441 |
| Average equity | $24,394,000 | 2,720 |
| Average total loans | $163,869,000 | 2,784 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3640% | 7,515 |
| Cost of funding earning assets | 1.2177% | 7,925 |
| Net interest margin | 4.1463% | 2,517 |
| Noninterest income to average assets | 1.5334% | 597 |
| Noninterest expense to average assets | 3.1388% | 3,555 |
| Loan and lease loss provision to assets | 0.0843% | 6,333 |
| Net operating income to assets | 2.1973% | 242 |
| Return on assets (ROA) | 2.2369% | 217 |
| Pretax return on assets | 2.2533% | 354 |
| Return on Equity (ROE) | 23.0077% | 212 |
| Retained earnings to average equity (ytd only) | 5.6761% | 1,679 |
| Net charge-offs to loans | 0.0223% | 6,537 |
| Credit loss provision to net charge-offs | 540.5405% | 810 |
| Earnings coverage of net charge-offs (x) | 147.4054% | 310 |
| Efficiency ratio | 57.7373% | 6,743 |
| Assets per employee ($millions) | 4.9598% | 1,984 |
| Cash dividends to net income (ytd only)* | 75.3296% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 6,943 |
| Loan loss allowance to noncurrent loans | 141.5992% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 6,092 |
| Noncurrent loans to loans | 0.5922% | 5,600 |
| Net loans and leases to total assets | 64.1421% | 5,243 |
| Net loans and leases to deposits | 72.0865% | 6,053 |
| Net loans and leases to core deposits | 79.5043% | 6,651 |
| Total domestic deposits to total assets | 88.9794% | 1,051 |
| Equity capital to assets | 9.4728% | 4,727 |
| Core capital (leverage) ratio | 8.9673% | 4,786 |
| Tier 1 risk-based capital ratio | 14.6689% | 3,220 |
| Total risk-based capital ratio | 15.5706% | 3,309 |
| Memoranda: | ||
| Average total assets | $237,381,200 | 2,678 |
| Average earning assets | $223,451,400 | 2,619 |
| Average equity | $23,079,200 | 2,840 |
| Average total loans | $166,223,400 | 2,684 |