Home > First National Bank of Muhlenberg County, Kentucky > Performance and Condition Ratios
First National Bank of Muhlenberg County, Kentucky, Performance and Condition Ratios
| 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 | 3.3469% | 5,350 |
| Cost of funding earning assets | 0.2323% | 5,118 |
| Net interest margin | 3.1145% | 4,932 |
| Noninterest income to average assets | 0.4587% | 3,640 |
| Noninterest expense to average assets | 2.4674% | 4,342 |
| Loan and lease loss provision to assets | 0.1672% | 1,253 |
| Net operating income to assets | 0.5684% | 4,479 |
| Return on assets (ROA) | 0.5684% | 4,583 |
| Pretax return on assets | 0.7462% | 4,506 |
| Return on Equity (ROE) | 6.0163% | 4,120 |
| Retained earnings to average equity (ytd only) | 6.0163% | 2,234 |
| Net charge-offs to loans | 0.0594% | 2,536 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 27.3200% | 1,454 |
| Efficiency ratio | 72.9826% | 2,846 |
| Assets per employee ($millions) | 4.8626% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1207% | 6,269 |
| Loan loss allowance to noncurrent loans | 18.5393% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 4,383 |
| Noncurrent loans to loans | 0.6508% | 3,525 |
| Net loans and leases to total assets | 56.1760% | 4,318 |
| Net loans and leases to deposits | 73.1237% | 3,604 |
| Net loans and leases to core deposits | 87.1909% | 2,641 |
| Total domestic deposits to total assets | 76.8233% | 5,486 |
| Equity capital to assets | 9.0589% | 5,181 |
| Core capital (leverage) ratio | 8.0739% | 5,888 |
| Tier 1 risk-based capital ratio | 16.0456% | 2,834 |
| Total risk-based capital ratio | 16.2299% | 3,306 |
| Memoranda: | ||
| Average total assets | $149,553,000 | 3,634 |
| Average earning assets | $140,311,000 | 3,596 |
| Average equity | $14,128,330 | 4,028 |
| Average total loans | $84,105,670 | 3,784 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6679% | 6,144 |
| Cost of funding earning assets | 0.1685% | 5,785 |
| Net interest margin | 2.4994% | 6,014 |
| Noninterest income to average assets | 0.3514% | 4,386 |
| Noninterest expense to average assets | 1.7465% | 5,964 |
| Loan and lease loss provision to assets | 0.1321% | 1,564 |
| Net operating income to assets | 0.6051% | 4,268 |
| Return on assets (ROA) | 0.6051% | 4,361 |
| Pretax return on assets | 0.8244% | 4,153 |
| Return on Equity (ROE) | 6.2804% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.2804% | 2,340 |
| Net charge-offs to loans | -0.0282% | 5,216 |
| Credit loss provision to net charge-offs | -833.3333% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6139% | 4,376 |
| Assets per employee ($millions) | 4.8270% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0658% | 6,347 |
| Loan loss allowance to noncurrent loans | 7.3333% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 3,824 |
| Noncurrent loans to loans | 0.8968% | 2,993 |
| Net loans and leases to total assets | 54.1088% | 4,431 |
| Net loans and leases to deposits | 69.4487% | 3,807 |
| Net loans and leases to core deposits | 85.1985% | 2,631 |
| Total domestic deposits to total assets | 77.9119% | 5,468 |
| Equity capital to assets | 8.5231% | 5,725 |
| Core capital (leverage) ratio | 7.8671% | 6,002 |
| Tier 1 risk-based capital ratio | 15.4509% | 3,173 |
| Total risk-based capital ratio | 15.5713% | 3,741 |
| Memoranda: | ||
| Average total assets | $151,390,000 | 3,631 |
| Average earning assets | $142,432,500 | 3,587 |
| Average equity | $14,585,000 | 3,977 |
| Average total loans | $85,134,500 | 3,771 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 2,483 |
| Cost of funding earning assets | 0.7777% | 730 |
| Net interest margin | 3.5559% | 3,576 |
| Noninterest income to average assets | 0.6066% | 2,818 |
| Noninterest expense to average assets | 2.6152% | 4,163 |
| Loan and lease loss provision to assets | 0.1015% | 2,461 |
| Net operating income to assets | 0.9382% | 2,687 |
| Return on assets (ROA) | 0.9573% | 2,670 |
| Pretax return on assets | 1.2863% | 2,290 |
| Return on Equity (ROE) | 8.9946% | 2,585 |
| Retained earnings to average equity (ytd only) | 1.0750% | 5,289 |
| Net charge-offs to loans | 0.4679% | 894 |
| Credit loss provision to net charge-offs | 37.7834% | 3,717 |
| Earnings coverage of net charge-offs (x) | 5.0680% | 3,506 |
| Efficiency ratio | 65.7532% | 4,296 |
| Assets per employee ($millions) | 4.6349% | 2,821 |
| Cash dividends to net income (ytd only)* | 88.0481% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 2,692 |
| Loan loss allowance to noncurrent loans | 139.8220% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 3,494 |
| Noncurrent loans to loans | 1.0377% | 2,750 |
| Net loans and leases to total assets | 57.5652% | 4,109 |
| Net loans and leases to deposits | 75.8001% | 3,220 |
| Net loans and leases to core deposits | 89.6236% | 2,321 |
| Total domestic deposits to total assets | 75.9434% | 5,739 |
| Equity capital to assets | 10.7911% | 3,132 |
| Core capital (leverage) ratio | 10.4876% | 2,959 |
| Tier 1 risk-based capital ratio | 19.5707% | 1,699 |
| Total risk-based capital ratio | 20.8255% | 1,664 |
| Memoranda: | ||
| Average total assets | $147,714,800 | 3,668 |
| Average earning assets | $140,021,200 | 3,610 |
| Average equity | $15,720,600 | 3,722 |
| Average total loans | $84,848,000 | 3,744 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 2,451 |
| Cost of funding earning assets | 0.8010% | 680 |
| Net interest margin | 3.5404% | 3,669 |
| Noninterest income to average assets | 0.6135% | 2,785 |
| Noninterest expense to average assets | 2.6076% | 4,175 |
| Loan and lease loss provision to assets | 0.0678% | 2,987 |
| Net operating income to assets | 0.9631% | 2,633 |
| Return on assets (ROA) | 0.9885% | 2,569 |
| Pretax return on assets | 1.3273% | 2,280 |
| Return on Equity (ROE) | 9.3206% | 2,534 |
| Retained earnings to average equity (ytd only) | 4.4217% | 3,506 |
| Net charge-offs to loans | 0.5434% | 703 |
| Credit loss provision to net charge-offs | 21.8023% | 3,564 |
| Earnings coverage of net charge-offs (x) | 4.3779% | 3,477 |
| Efficiency ratio | 65.7104% | 4,255 |
| Assets per employee ($millions) | 4.5037% | 2,964 |
| Cash dividends to net income (ytd only)* | 52.5596% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 2,998 |
| Loan loss allowance to noncurrent loans | 144.7831% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 3,783 |
| Noncurrent loans to loans | 0.9944% | 3,087 |
| Net loans and leases to total assets | 58.6665% | 3,982 |
| Net loans and leases to deposits | 75.8498% | 3,197 |
| Net loans and leases to core deposits | 89.4575% | 2,276 |
| Total domestic deposits to total assets | 77.3456% | 5,624 |
| Equity capital to assets | 11.1901% | 2,772 |
| Core capital (leverage) ratio | 10.6350% | 2,880 |
| Tier 1 risk-based capital ratio | 20.2027% | 1,617 |
| Total risk-based capital ratio | 21.4579% | 1,580 |
| Memoranda: | ||
| Average total assets | $147,564,250 | 3,699 |
| Average earning assets | $139,829,500 | 3,631 |
| Average equity | $15,649,500 | 3,744 |
| Average total loans | $84,401,000 | 3,790 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,606 |
| Cost of funding earning assets | 0.8099% | 669 |
| Net interest margin | 3.4812% | 3,853 |
| Noninterest income to average assets | 0.6267% | 2,670 |
| Noninterest expense to average assets | 2.5472% | 4,426 |
| Loan and lease loss provision to assets | 0.0403% | 3,508 |
| Net operating income to assets | 0.9966% | 2,335 |
| Return on assets (ROA) | 1.0087% | 2,353 |
| Pretax return on assets | 1.3503% | 2,083 |
| Return on Equity (ROE) | 9.6835% | 2,287 |
| Retained earnings to average equity (ytd only) | 2.5823% | 4,557 |
| Net charge-offs to loans | -0.0119% | 5,370 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9520% | 4,541 |
| Assets per employee ($millions) | 4.6453% | 2,704 |
| Cash dividends to net income (ytd only)* | 73.3333% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8350% | 1,741 |
| Loan loss allowance to noncurrent loans | 249.1909% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 4,497 |
| Noncurrent loans to loans | 0.7364% | 3,860 |
| Net loans and leases to total assets | 55.4211% | 4,357 |
| Net loans and leases to deposits | 72.3829% | 3,523 |
| Net loans and leases to core deposits | 86.9112% | 2,425 |
| Total domestic deposits to total assets | 76.5666% | 5,852 |
| Equity capital to assets | 10.6895% | 3,210 |
| Core capital (leverage) ratio | 10.3379% | 3,154 |
| Tier 1 risk-based capital ratio | 20.0923% | 1,666 |
| Total risk-based capital ratio | 21.3521% | 1,634 |
| Memoranda: | ||
| Average total assets | $148,713,000 | 3,697 |
| Average earning assets | $140,755,330 | 3,634 |
| Average equity | $15,490,330 | 3,771 |
| Average total loans | $83,940,000 | 3,816 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 2,599 |
| Cost of funding earning assets | 0.8135% | 698 |
| Net interest margin | 3.4644% | 3,841 |
| Noninterest income to average assets | 0.6266% | 2,587 |
| Noninterest expense to average assets | 2.5171% | 4,561 |
| Loan and lease loss provision to assets | 0.0403% | 3,276 |
| Net operating income to assets | 1.0111% | 2,171 |
| Return on assets (ROA) | 1.0111% | 2,237 |
| Pretax return on assets | 1.3446% | 1,935 |
| Return on Equity (ROE) | 9.8362% | 2,101 |
| Retained earnings to average equity (ytd only) | -3.2438% | 5,987 |
| Net charge-offs to loans | -0.0334% | 5,619 |
| Credit loss provision to net charge-offs | -214.2857% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5072% | 4,777 |
| Assets per employee ($millions) | 4.9516% | 2,303 |
| Cash dividends to net income (ytd only)* | 132.9787% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 1,910 |
| Loan loss allowance to noncurrent loans | 420.6612% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 5,041 |
| Noncurrent loans to loans | 0.4392% | 4,829 |
| Net loans and leases to total assets | 52.8547% | 4,557 |
| Net loans and leases to deposits | 68.4029% | 3,815 |
| Net loans and leases to core deposits | 83.0182% | 2,642 |
| Total domestic deposits to total assets | 77.2697% | 5,932 |
| Equity capital to assets | 9.9655% | 3,882 |
| Core capital (leverage) ratio | 9.9594% | 3,623 |
| Tier 1 risk-based capital ratio | 20.0588% | 1,704 |
| Total risk-based capital ratio | 21.3194% | 1,671 |
| Memoranda: | ||
| Average total assets | $148,744,000 | 3,718 |
| Average earning assets | $140,630,000 | 3,659 |
| Average equity | $15,290,500 | 3,809 |
| Average total loans | $83,948,000 | 3,843 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 2,379 |
| Cost of funding earning assets | 0.9019% | 728 |
| Net interest margin | 3.5519% | 3,669 |
| Noninterest income to average assets | 0.6152% | 2,997 |
| Noninterest expense to average assets | 2.5810% | 4,531 |
| Loan and lease loss provision to assets | 0.1014% | 3,110 |
| Net operating income to assets | 0.9883% | 2,375 |
| Return on assets (ROA) | 0.9883% | 2,447 |
| Pretax return on assets | 1.3007% | 2,150 |
| Return on Equity (ROE) | 9.3634% | 2,384 |
| Retained earnings to average equity (ytd only) | 4.0669% | 3,290 |
| Net charge-offs to loans | 0.2546% | 2,446 |
| Credit loss provision to net charge-offs | 68.8073% | 3,337 |
| Earnings coverage of net charge-offs (x) | 9.5138% | 2,493 |
| Efficiency ratio | 64.7997% | 4,768 |
| Assets per employee ($millions) | 4.7996% | 2,447 |
| Cash dividends to net income (ytd only)* | 56.5663% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 2,175 |
| Loan loss allowance to noncurrent loans | 387.6289% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 5,015 |
| Noncurrent loans to loans | 0.4552% | 4,858 |
| Net loans and leases to total assets | 58.1528% | 4,014 |
| Net loans and leases to deposits | 73.3336% | 3,353 |
| Net loans and leases to core deposits | 88.3353% | 2,206 |
| Total domestic deposits to total assets | 79.2990% | 5,605 |
| Equity capital to assets | 10.6148% | 3,028 |
| Core capital (leverage) ratio | 10.5108% | 2,906 |
| Tier 1 risk-based capital ratio | 19.3940% | 1,822 |
| Total risk-based capital ratio | 20.6532% | 1,778 |
| Memoranda: | ||
| Average total assets | $147,925,400 | 3,741 |
| Average earning assets | $140,263,000 | 3,659 |
| Average equity | $15,614,000 | 3,761 |
| Average total loans | $85,632,600 | 3,785 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 2,548 |
| Cost of funding earning assets | 0.9110% | 775 |
| Net interest margin | 3.5024% | 3,871 |
| Noninterest income to average assets | 0.6133% | 3,061 |
| Noninterest expense to average assets | 2.5966% | 4,399 |
| Loan and lease loss provision to assets | 0.1209% | 2,785 |
| Net operating income to assets | 0.9366% | 2,652 |
| Return on assets (ROA) | 0.9366% | 2,767 |
| Pretax return on assets | 1.2213% | 2,614 |
| Return on Equity (ROE) | 8.8850% | 2,695 |
| Retained earnings to average equity (ytd only) | 4.8332% | 3,209 |
| Net charge-offs to loans | 0.1089% | 3,450 |
| Credit loss provision to net charge-offs | 192.8571% | 1,250 |
| Earnings coverage of net charge-offs (x) | 21.4146% | 1,548 |
| Efficiency ratio | 65.9241% | 4,500 |
| Assets per employee ($millions) | 4.6734% | 2,614 |
| Cash dividends to net income (ytd only)* | 45.6021% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8998% | 2,002 |
| Loan loss allowance to noncurrent loans | 246.5361% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 4,822 |
| Noncurrent loans to loans | 0.7706% | 4,309 |
| Net loans and leases to total assets | 58.3469% | 3,950 |
| Net loans and leases to deposits | 73.5946% | 3,299 |
| Net loans and leases to core deposits | 88.6142% | 2,121 |
| Total domestic deposits to total assets | 79.2814% | 5,680 |
| Equity capital to assets | 10.4946% | 3,282 |
| Core capital (leverage) ratio | 10.3732% | 3,143 |
| Tier 1 risk-based capital ratio | 19.1534% | 1,938 |
| Total risk-based capital ratio | 20.4137% | 1,909 |
| Memoranda: | ||
| Average total assets | $148,909,750 | 3,764 |
| Average earning assets | $141,383,500 | 3,683 |
| Average equity | $15,696,500 | 3,795 |
| Average total loans | $85,731,500 | 3,817 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 2,822 |
| Cost of funding earning assets | 0.9144% | 833 |
| Net interest margin | 3.4183% | 4,121 |
| Noninterest income to average assets | 0.6043% | 3,162 |
| Noninterest expense to average assets | 2.5264% | 4,641 |
| Loan and lease loss provision to assets | 0.1198% | 2,823 |
| Net operating income to assets | 0.9264% | 2,676 |
| Return on assets (ROA) | 0.9264% | 2,814 |
| Pretax return on assets | 1.2073% | 2,645 |
| Return on Equity (ROE) | 8.7764% | 2,721 |
| Retained earnings to average equity (ytd only) | 4.9178% | 3,105 |
| Net charge-offs to loans | 0.1122% | 3,243 |
| Credit loss provision to net charge-offs | 187.5000% | 1,269 |
| Earnings coverage of net charge-offs (x) | 20.7708% | 1,443 |
| Efficiency ratio | 65.5613% | 4,624 |
| Assets per employee ($millions) | 4.9775% | 2,137 |
| Cash dividends to net income (ytd only)* | 43.9655% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8915% | 2,136 |
| Loan loss allowance to noncurrent loans | 229.4034% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 4,878 |
| Noncurrent loans to loans | 0.8245% | 4,266 |
| Net loans and leases to total assets | 56.0971% | 4,271 |
| Net loans and leases to deposits | 71.5352% | 3,520 |
| Net loans and leases to core deposits | 86.5684% | 2,281 |
| Total domestic deposits to total assets | 78.4189% | 5,891 |
| Equity capital to assets | 10.4725% | 3,340 |
| Core capital (leverage) ratio | 9.8491% | 3,721 |
| Tier 1 risk-based capital ratio | 18.9681% | 2,005 |
| Total risk-based capital ratio | 20.2285% | 1,966 |
| Memoranda: | ||
| Average total assets | $150,254,670 | 3,763 |
| Average earning assets | $142,818,330 | 3,680 |
| Average equity | $15,860,670 | 3,790 |
| Average total loans | $85,586,330 | 3,833 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 2,833 |
| Cost of funding earning assets | 0.9165% | 908 |
| Net interest margin | 3.3978% | 4,129 |
| Noninterest income to average assets | 0.6024% | 3,126 |
| Noninterest expense to average assets | 2.4602% | 4,911 |
| Loan and lease loss provision to assets | 0.1194% | 2,735 |
| Net operating income to assets | 0.9554% | 2,421 |
| Return on assets (ROA) | 0.9554% | 2,558 |
| Pretax return on assets | 1.2500% | 2,411 |
| Return on Equity (ROE) | 9.0158% | 2,484 |
| Retained earnings to average equity (ytd only) | 4.3326% | 3,634 |
| Net charge-offs to loans | 0.3921% | 1,477 |
| Credit loss provision to net charge-offs | 53.5714% | 2,550 |
| Earnings coverage of net charge-offs (x) | 6.1429% | 2,266 |
| Efficiency ratio | 64.2412% | 4,972 |
| Assets per employee ($millions) | 4.8684% | 2,397 |
| Cash dividends to net income (ytd only)* | 51.9444% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8247% | 2,536 |
| Loan loss allowance to noncurrent loans | 146.4183% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 4,650 |
| Noncurrent loans to loans | 1.2462% | 3,693 |
| Net loans and leases to total assets | 52.9440% | 4,567 |
| Net loans and leases to deposits | 66.5389% | 3,982 |
| Net loans and leases to core deposits | 83.0850% | 2,448 |
| Total domestic deposits to total assets | 79.5685% | 5,848 |
| Equity capital to assets | 10.2607% | 3,847 |
| Core capital (leverage) ratio | 9.6926% | 3,802 |
| Tier 1 risk-based capital ratio | 19.1110% | 2,012 |
| Total risk-based capital ratio | 20.3698% | 1,979 |
| Memoranda: | ||
| Average total assets | $150,719,500 | 3,792 |
| Average earning assets | $143,151,000 | 3,711 |
| Average equity | $15,972,000 | 3,823 |
| Average total loans | $85,688,500 | 3,849 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 2,709 |
| Cost of funding earning assets | 1.0332% | 1,194 |
| Net interest margin | 3.6365% | 3,935 |
| Noninterest income to average assets | 0.5527% | 3,559 |
| Noninterest expense to average assets | 2.5536% | 4,923 |
| Loan and lease loss provision to assets | 0.1616% | 3,593 |
| Net operating income to assets | 0.9809% | 2,422 |
| Return on assets (ROA) | 0.9809% | 2,646 |
| Pretax return on assets | 1.2852% | 2,466 |
| Return on Equity (ROE) | 9.2857% | 2,494 |
| Retained earnings to average equity (ytd only) | 3.5690% | 3,699 |
| Net charge-offs to loans | 0.3121% | 3,081 |
| Credit loss provision to net charge-offs | 87.5912% | 3,568 |
| Earnings coverage of net charge-offs (x) | 7.8431% | 2,519 |
| Efficiency ratio | 63.8337% | 4,917 |
| Assets per employee ($millions) | 4.5516% | 2,879 |
| Cash dividends to net income (ytd only)* | 61.5649% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 2,583 |
| Loan loss allowance to noncurrent loans | 125.7600% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.9166% | 4,205 |
| Noncurrent loans to loans | 1.4308% | 3,448 |
| Net loans and leases to total assets | 58.9022% | 3,817 |
| Net loans and leases to deposits | 73.1088% | 3,240 |
| Net loans and leases to core deposits | 88.5722% | 2,023 |
| Total domestic deposits to total assets | 80.5678% | 5,527 |
| Equity capital to assets | 10.9571% | 3,007 |
| Core capital (leverage) ratio | 10.1039% | 3,270 |
| Tier 1 risk-based capital ratio | 18.2526% | 2,184 |
| Total risk-based capital ratio | 19.5117% | 2,138 |
| Memoranda: | ||
| Average total assets | $148,538,200 | 3,802 |
| Average earning assets | $140,820,400 | 3,713 |
| Average equity | $15,690,800 | 3,830 |
| Average total loans | $87,779,400 | 3,803 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 2,862 |
| Cost of funding earning assets | 1.0402% | 1,341 |
| Net interest margin | 3.6444% | 4,030 |
| Noninterest income to average assets | 0.5565% | 3,567 |
| Noninterest expense to average assets | 2.5306% | 4,986 |
| Loan and lease loss provision to assets | 0.1742% | 3,391 |
| Net operating income to assets | 0.9924% | 2,545 |
| Return on assets (ROA) | 0.9924% | 2,772 |
| Pretax return on assets | 1.3069% | 2,579 |
| Return on Equity (ROE) | 9.4811% | 2,601 |
| Retained earnings to average equity (ytd only) | 4.2584% | 3,897 |
| Net charge-offs to loans | 0.1699% | 3,746 |
| Credit loss provision to net charge-offs | 174.1071% | 1,601 |
| Earnings coverage of net charge-offs (x) | 14.8035% | 1,815 |
| Efficiency ratio | 63.0817% | 4,962 |
| Assets per employee ($millions) | 4.3718% | 3,126 |
| Cash dividends to net income (ytd only)* | 55.0854% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9385% | 2,361 |
| Loan loss allowance to noncurrent loans | 177.3347% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 4,865 |
| Noncurrent loans to loans | 1.0931% | 4,249 |
| Net loans and leases to total assets | 59.2585% | 3,921 |
| Net loans and leases to deposits | 72.5071% | 3,532 |
| Net loans and leases to core deposits | 88.6330% | 2,145 |
| Total domestic deposits to total assets | 81.7278% | 5,115 |
| Equity capital to assets | 11.1397% | 3,109 |
| Core capital (leverage) ratio | 10.0339% | 3,497 |
| Tier 1 risk-based capital ratio | 18.0284% | 2,326 |
| Total risk-based capital ratio | 19.2895% | 2,298 |
| Memoranda: | ||
| Average total assets | $149,260,250 | 3,830 |
| Average earning assets | $141,508,500 | 3,745 |
| Average equity | $15,623,750 | 3,881 |
| Average total loans | $87,883,500 | 3,841 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 3,175 |
| Cost of funding earning assets | 1.0406% | 1,519 |
| Net interest margin | 3.6011% | 4,252 |
| Noninterest income to average assets | 0.5221% | 3,773 |
| Noninterest expense to average assets | 2.4820% | 5,198 |
| Loan and lease loss provision to assets | 0.1988% | 3,094 |
| Net operating income to assets | 0.9568% | 2,629 |
| Return on assets (ROA) | 0.9568% | 2,877 |
| Pretax return on assets | 1.2576% | 2,700 |
| Return on Equity (ROE) | 9.3314% | 2,659 |
| Retained earnings to average equity (ytd only) | 4.9371% | 3,312 |
| Net charge-offs to loans | 0.1158% | 4,014 |
| Credit loss provision to net charge-offs | 294.1176% | 994 |
| Earnings coverage of net charge-offs (x) | 21.5490% | 1,338 |
| Efficiency ratio | 63.0215% | 5,077 |
| Assets per employee ($millions) | 4.4100% | 3,073 |
| Cash dividends to net income (ytd only)* | 47.0914% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9494% | 2,375 |
| Loan loss allowance to noncurrent loans | 138.7307% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.9943% | 4,386 |
| Noncurrent loans to loans | 1.4052% | 3,811 |
| Net loans and leases to total assets | 58.9270% | 4,002 |
| Net loans and leases to deposits | 72.4580% | 3,544 |
| Net loans and leases to core deposits | 88.9079% | 2,110 |
| Total domestic deposits to total assets | 81.3256% | 5,355 |
| Equity capital to assets | 10.8623% | 3,276 |
| Core capital (leverage) ratio | 9.7797% | 3,742 |
| Tier 1 risk-based capital ratio | 17.8338% | 2,347 |
| Total risk-based capital ratio | 19.0951% | 2,312 |
| Memoranda: | ||
| Average total assets | $150,924,330 | 3,823 |
| Average earning assets | $143,180,000 | 3,732 |
| Average equity | $15,474,670 | 3,896 |
| Average total loans | $88,117,670 | 3,851 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5818% | 3,587 |
| Cost of funding earning assets | 1.0508% | 1,670 |
| Net interest margin | 3.5310% | 4,568 |
| Noninterest income to average assets | 0.4947% | 3,943 |
| Noninterest expense to average assets | 2.4424% | 5,334 |
| Loan and lease loss provision to assets | 0.1953% | 2,988 |
| Net operating income to assets | 0.9191% | 2,831 |
| Return on assets (ROA) | 0.9191% | 3,042 |
| Pretax return on assets | 1.2082% | 2,883 |
| Return on Equity (ROE) | 9.2239% | 2,720 |
| Retained earnings to average equity (ytd only) | 3.9979% | 4,189 |
| Net charge-offs to loans | 0.2126% | 2,860 |
| Credit loss provision to net charge-offs | 159.5745% | 1,589 |
| Earnings coverage of net charge-offs (x) | 11.4681% | 1,669 |
| Efficiency ratio | 63.5071% | 5,017 |
| Assets per employee ($millions) | 4.4301% | 3,130 |
| Cash dividends to net income (ytd only)* | 56.6572% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8720% | 2,763 |
| Loan loss allowance to noncurrent loans | 205.0188% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6878% | 5,178 |
| Noncurrent loans to loans | 0.9131% | 4,840 |
| Net loans and leases to total assets | 56.8642% | 4,238 |
| Net loans and leases to deposits | 69.9623% | 3,740 |
| Net loans and leases to core deposits | 86.4916% | 2,232 |
| Total domestic deposits to total assets | 81.2783% | 5,527 |
| Equity capital to assets | 10.1931% | 3,861 |
| Core capital (leverage) ratio | 9.3499% | 4,283 |
| Tier 1 risk-based capital ratio | 17.6789% | 2,416 |
| Total risk-based capital ratio | 18.9369% | 2,382 |
| Memoranda: | ||
| Average total assets | $153,621,000 | 3,813 |
| Average earning assets | $145,795,500 | 3,702 |
| Average equity | $15,308,000 | 3,932 |
| Average total loans | $88,445,500 | 3,870 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1514% | 2,245 |
| Cost of funding earning assets | 1.2595% | 1,685 |
| Net interest margin | 3.8919% | 3,369 |
| Noninterest income to average assets | 0.5406% | 3,583 |
| Noninterest expense to average assets | 2.5733% | 5,193 |
| Loan and lease loss provision to assets | 0.2460% | 3,750 |
| Net operating income to assets | 1.0507% | 2,002 |
| Return on assets (ROA) | 1.0491% | 2,150 |
| Pretax return on assets | 1.4045% | 1,775 |
| Return on Equity (ROE) | 10.4624% | 1,885 |
| Retained earnings to average equity (ytd only) | -0.7906% | 5,977 |
| Net charge-offs to loans | 0.0806% | 5,516 |
| Credit loss provision to net charge-offs | 480.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 32.2400% | 800 |
| Efficiency ratio | 60.8928% | 5,620 |
| Assets per employee ($millions) | 4.4749% | 2,960 |
| Cash dividends to net income (ytd only)* | 107.5570% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7923% | 2,892 |
| Loan loss allowance to noncurrent loans | 118.7870% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 4,740 |
| Noncurrent loans to loans | 1.5088% | 3,885 |
| Net loans and leases to total assets | 56.1876% | 4,669 |
| Net loans and leases to deposits | 69.5886% | 4,176 |
| Net loans and leases to core deposits | 89.8125% | 2,153 |
| Total domestic deposits to total assets | 80.7426% | 5,532 |
| Equity capital to assets | 9.7452% | 4,519 |
| Core capital (leverage) ratio | 9.7192% | 3,720 |
| Tier 1 risk-based capital ratio | 17.1099% | 2,549 |
| Total risk-based capital ratio | 18.3692% | 2,508 |
| Memoranda: | ||
| Average total assets | $146,312,000 | 3,867 |
| Average earning assets | $138,545,600 | 3,774 |
| Average equity | $14,671,600 | 3,976 |
| Average total loans | $93,028,000 | 3,786 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2976% | 1,865 |
| Cost of funding earning assets | 1.3219% | 1,585 |
| Net interest margin | 3.9756% | 3,023 |
| Noninterest income to average assets | 0.5631% | 3,425 |
| Noninterest expense to average assets | 2.6112% | 5,034 |
| Loan and lease loss provision to assets | 0.2644% | 3,394 |
| Net operating income to assets | 1.0783% | 2,052 |
| Return on assets (ROA) | 1.0742% | 2,207 |
| Pretax return on assets | 1.4424% | 1,814 |
| Return on Equity (ROE) | 10.6306% | 1,979 |
| Retained earnings to average equity (ytd only) | -3.1396% | 6,432 |
| Net charge-offs to loans | 0.0369% | 5,626 |
| Credit loss provision to net charge-offs | 1,096.1538% | 248 |
| Earnings coverage of net charge-offs (x) | 70.9913% | 471 |
| Efficiency ratio | 60.3948% | 5,650 |
| Assets per employee ($millions) | 4.0377% | 3,765 |
| Cash dividends to net income (ytd only)* | 129.5338% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 3,163 |
| Loan loss allowance to noncurrent loans | 119.7877% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 4,735 |
| Noncurrent loans to loans | 1.4451% | 4,127 |
| Net loans and leases to total assets | 63.4708% | 3,420 |
| Net loans and leases to deposits | 77.2344% | 3,131 |
| Net loans and leases to core deposits | 91.3681% | 2,073 |
| Total domestic deposits to total assets | 82.1795% | 5,025 |
| Equity capital to assets | 10.6390% | 3,529 |
| Core capital (leverage) ratio | 9.6902% | 3,866 |
| Tier 1 risk-based capital ratio | 16.7136% | 2,761 |
| Total risk-based capital ratio | 17.9720% | 2,727 |
| Memoranda: | ||
| Average total assets | $143,735,000 | 3,929 |
| Average earning assets | $135,958,500 | 3,837 |
| Average equity | $14,523,750 | 4,026 |
| Average total loans | $93,883,250 | 3,798 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2869% | 1,929 |
| Cost of funding earning assets | 1.3513% | 1,642 |
| Net interest margin | 3.9355% | 3,147 |
| Noninterest income to average assets | 0.5604% | 3,398 |
| Noninterest expense to average assets | 2.5986% | 5,187 |
| Loan and lease loss provision to assets | 0.2906% | 3,062 |
| Net operating income to assets | 1.0399% | 2,067 |
| Return on assets (ROA) | 1.0336% | 2,190 |
| Pretax return on assets | 1.3865% | 1,832 |
| Return on Equity (ROE) | 10.4087% | 1,980 |
| Retained earnings to average equity (ytd only) | -7.8588% | 6,770 |
| Net charge-offs to loans | 0.0211% | 5,544 |
| Credit loss provision to net charge-offs | 2,100.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 121.8000% | 288 |
| Efficiency ratio | 60.6589% | 5,779 |
| Assets per employee ($millions) | 4.5898% | 2,701 |
| Cash dividends to net income (ytd only)* | 175.5020% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 3,476 |
| Loan loss allowance to noncurrent loans | 121.2749% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.9593% | 4,943 |
| Noncurrent loans to loans | 1.3644% | 4,372 |
| Net loans and leases to total assets | 63.5750% | 3,558 |
| Net loans and leases to deposits | 76.8304% | 3,321 |
| Net loans and leases to core deposits | 91.5029% | 2,202 |
| Total domestic deposits to total assets | 82.7472% | 4,876 |
| Equity capital to assets | 10.1867% | 3,890 |
| Core capital (leverage) ratio | 9.4717% | 3,993 |
| Tier 1 risk-based capital ratio | 16.5705% | 2,709 |
| Total risk-based capital ratio | 17.8284% | 2,660 |
| Memoranda: | ||
| Average total assets | $144,540,000 | 3,944 |
| Average earning assets | $136,753,670 | 3,843 |
| Average equity | $14,353,330 | 4,055 |
| Average total loans | $94,752,000 | 3,823 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2744% | 1,960 |
| Cost of funding earning assets | 1.3701% | 1,768 |
| Net interest margin | 3.9043% | 3,116 |
| Noninterest income to average assets | 0.5464% | 3,536 |
| Noninterest expense to average assets | 2.5620% | 5,352 |
| Loan and lease loss provision to assets | 0.2883% | 2,841 |
| Net operating income to assets | 1.0366% | 2,043 |
| Return on assets (ROA) | 1.0242% | 2,142 |
| Pretax return on assets | 1.3730% | 1,802 |
| Return on Equity (ROE) | 10.4460% | 1,934 |
| Retained earnings to average equity (ytd only) | -20.2198% | 7,159 |
| Net charge-offs to loans | 0.0458% | 4,481 |
| Credit loss provision to net charge-offs | 954.5455% | 402 |
| Earnings coverage of net charge-offs (x) | 55.5455% | 531 |
| Efficiency ratio | 60.4275% | 5,917 |
| Assets per employee ($millions) | 4.6147% | 2,705 |
| Cash dividends to net income (ytd only)* | 293.5657% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 4,229 |
| Loan loss allowance to noncurrent loans | 118.5774% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 5,141 |
| Noncurrent loans to loans | 1.2619% | 4,579 |
| Net loans and leases to total assets | 63.1669% | 3,611 |
| Net loans and leases to deposits | 75.4469% | 3,507 |
| Net loans and leases to core deposits | 89.1955% | 2,457 |
| Total domestic deposits to total assets | 83.7237% | 4,608 |
| Equity capital to assets | 9.4996% | 4,436 |
| Core capital (leverage) ratio | 9.2708% | 4,171 |
| Tier 1 risk-based capital ratio | 16.0223% | 2,890 |
| Total risk-based capital ratio | 17.2779% | 2,864 |
| Memoranda: | ||
| Average total assets | $145,668,000 | 3,961 |
| Average earning assets | $137,798,000 | 3,862 |
| Average equity | $14,283,000 | 4,055 |
| Average total loans | $96,138,500 | 3,827 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6183% | 1,826 |
| Cost of funding earning assets | 1.6712% | 1,724 |
| Net interest margin | 3.9471% | 3,268 |
| Noninterest income to average assets | 0.6058% | 3,437 |
| Noninterest expense to average assets | 2.6514% | 5,209 |
| Loan and lease loss provision to assets | 0.3374% | 4,126 |
| Net operating income to assets | 1.0025% | 2,036 |
| Return on assets (ROA) | 0.9844% | 2,204 |
| Pretax return on assets | 1.3154% | 1,895 |
| Return on Equity (ROE) | 9.3684% | 2,152 |
| Retained earnings to average equity (ytd only) | 2.6091% | 4,037 |
| Net charge-offs to loans | 0.3702% | 4,183 |
| Credit loss provision to net charge-offs | 131.2155% | 3,018 |
| Earnings coverage of net charge-offs (x) | 6.5221% | 2,336 |
| Efficiency ratio | 61.2570% | 5,852 |
| Assets per employee ($millions) | 4.4896% | 2,894 |
| Cash dividends to net income (ytd only)* | 72.1501% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 4,722 |
| Loan loss allowance to noncurrent loans | 69.1061% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.3448% | 4,327 |
| Noncurrent loans to loans | 1.9604% | 3,622 |
| Net loans and leases to total assets | 67.0022% | 3,225 |
| Net loans and leases to deposits | 81.4796% | 2,911 |
| Net loans and leases to core deposits | 96.8313% | 1,910 |
| Total domestic deposits to total assets | 82.2318% | 5,113 |
| Equity capital to assets | 10.1192% | 3,590 |
| Core capital (leverage) ratio | 10.0365% | 3,051 |
| Tier 1 risk-based capital ratio | 16.4808% | 2,523 |
| Total risk-based capital ratio | 17.7344% | 2,496 |
| Memoranda: | ||
| Average total assets | $140,795,600 | 4,041 |
| Average earning assets | $132,779,400 | 3,957 |
| Average equity | $14,794,400 | 3,973 |
| Average total loans | $97,779,600 | 3,858 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6857% | 1,761 |
| Cost of funding earning assets | 1.7464% | 1,644 |
| Net interest margin | 3.9393% | 3,362 |
| Noninterest income to average assets | 0.6196% | 3,316 |
| Noninterest expense to average assets | 2.6784% | 4,968 |
| Loan and lease loss provision to assets | 0.3331% | 3,940 |
| Net operating income to assets | 0.9880% | 2,284 |
| Return on assets (ROA) | 0.9880% | 2,394 |
| Pretax return on assets | 1.3202% | 2,120 |
| Return on Equity (ROE) | 9.3143% | 2,383 |
| Retained earnings to average equity (ytd only) | 6.6044% | 2,039 |
| Net charge-offs to loans | 0.4484% | 3,511 |
| Credit loss provision to net charge-offs | 106.3830% | 4,018 |
| Earnings coverage of net charge-offs (x) | 5.2796% | 2,786 |
| Efficiency ratio | 61.8326% | 5,649 |
| Assets per employee ($millions) | 4.4293% | 3,028 |
| Cash dividends to net income (ytd only)* | 29.0946% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 5,270 |
| Loan loss allowance to noncurrent loans | 55.5807% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.5987% | 4,050 |
| Noncurrent loans to loans | 2.2383% | 3,405 |
| Net loans and leases to total assets | 68.8884% | 3,013 |
| Net loans and leases to deposits | 84.2328% | 2,663 |
| Net loans and leases to core deposits | 96.1630% | 2,240 |
| Total domestic deposits to total assets | 81.7833% | 5,083 |
| Equity capital to assets | 10.8919% | 3,063 |
| Core capital (leverage) ratio | 10.3386% | 2,872 |
| Tier 1 risk-based capital ratio | 16.8470% | 2,394 |
| Total risk-based capital ratio | 18.1001% | 2,358 |
| Memoranda: | ||
| Average total assets | $140,077,750 | 4,109 |
| Average earning assets | $132,000,750 | 4,032 |
| Average equity | $14,858,500 | 4,018 |
| Average total loans | $97,829,000 | 3,921 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6923% | 1,796 |
| Cost of funding earning assets | 1.7731% | 1,750 |
| Net interest margin | 3.9192% | 3,354 |
| Noninterest income to average assets | 0.6149% | 3,226 |
| Noninterest expense to average assets | 2.6777% | 5,000 |
| Loan and lease loss provision to assets | 0.2867% | 4,100 |
| Net operating income to assets | 1.0020% | 2,193 |
| Return on assets (ROA) | 1.0020% | 2,272 |
| Pretax return on assets | 1.3417% | 1,969 |
| Return on Equity (ROE) | 9.5327% | 2,261 |
| Retained earnings to average equity (ytd only) | 7.4734% | 1,645 |
| Net charge-offs to loans | 0.1641% | 4,632 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 14.2000% | 1,540 |
| Efficiency ratio | 62.1838% | 5,658 |
| Assets per employee ($millions) | 4.2892% | 3,235 |
| Cash dividends to net income (ytd only)* | 21.6023% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 4,644 |
| Loan loss allowance to noncurrent loans | 89.9729% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.0562% | 5,028 |
| Noncurrent loans to loans | 1.5083% | 4,447 |
| Net loans and leases to total assets | 68.1995% | 3,314 |
| Net loans and leases to deposits | 82.9482% | 3,086 |
| Net loans and leases to core deposits | 92.9461% | 2,855 |
| Total domestic deposits to total assets | 82.2194% | 4,899 |
| Equity capital to assets | 10.6371% | 3,236 |
| Core capital (leverage) ratio | 10.1816% | 2,958 |
| Tier 1 risk-based capital ratio | 16.8113% | 2,360 |
| Total risk-based capital ratio | 18.0653% | 2,303 |
| Memoranda: | ||
| Average total assets | $139,524,330 | 4,146 |
| Average earning assets | $131,406,000 | 4,068 |
| Average equity | $14,665,330 | 4,061 |
| Average total loans | $97,481,670 | 3,977 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6489% | 1,964 |
| Cost of funding earning assets | 1.7848% | 1,936 |
| Net interest margin | 3.8641% | 3,491 |
| Noninterest income to average assets | 0.5747% | 3,461 |
| Noninterest expense to average assets | 2.6914% | 4,947 |
| Loan and lease loss provision to assets | 0.2166% | 4,339 |
| Net operating income to assets | 0.9761% | 2,279 |
| Return on assets (ROA) | 0.9761% | 2,341 |
| Pretax return on assets | 1.3053% | 2,032 |
| Return on Equity (ROE) | 9.3435% | 2,359 |
| Retained earnings to average equity (ytd only) | 5.1693% | 3,061 |
| Net charge-offs to loans | 0.1069% | 4,360 |
| Credit loss provision to net charge-offs | 288.4615% | 1,363 |
| Earnings coverage of net charge-offs (x) | 20.2692% | 1,163 |
| Efficiency ratio | 63.8794% | 5,520 |
| Assets per employee ($millions) | 4.2467% | 3,382 |
| Cash dividends to net income (ytd only)* | 44.6746% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 4,995 |
| Loan loss allowance to noncurrent loans | 97.2158% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.9462% | 5,253 |
| Noncurrent loans to loans | 1.3257% | 4,763 |
| Net loans and leases to total assets | 68.7022% | 3,233 |
| Net loans and leases to deposits | 83.4872% | 3,025 |
| Net loans and leases to core deposits | 93.1961% | 2,952 |
| Total domestic deposits to total assets | 82.2907% | 4,937 |
| Equity capital to assets | 10.4152% | 3,326 |
| Core capital (leverage) ratio | 10.3041% | 2,805 |
| Tier 1 risk-based capital ratio | 16.5170% | 2,439 |
| Total risk-based capital ratio | 17.7701% | 2,390 |
| Memoranda: | ||
| Average total assets | $138,515,500 | 4,219 |
| Average earning assets | $130,433,000 | 4,142 |
| Average equity | $14,470,000 | 4,133 |
| Average total loans | $97,293,000 | 4,041 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0017% | 1,860 |
| Cost of funding earning assets | 2.0668% | 2,645 |
| Net interest margin | 3.9349% | 3,144 |
| Noninterest income to average assets | 0.6339% | 3,398 |
| Noninterest expense to average assets | 2.8173% | 4,896 |
| Loan and lease loss provision to assets | 0.1730% | 5,966 |
| Net operating income to assets | 1.0054% | 1,820 |
| Return on assets (ROA) | 1.0093% | 1,859 |
| Pretax return on assets | 1.3584% | 1,535 |
| Return on Equity (ROE) | 9.8295% | 1,735 |
| Retained earnings to average equity (ytd only) | 6.9454% | 976 |
| Net charge-offs to loans | 0.2512% | 5,048 |
| Credit loss provision to net charge-offs | 95.4167% | 5,806 |
| Earnings coverage of net charge-offs (x) | 8.4167% | 1,948 |
| Efficiency ratio | 64.8635% | 5,604 |
| Assets per employee ($millions) | 4.1482% | 3,520 |
| Cash dividends to net income (ytd only)* | 29.3413% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 5,094 |
| Loan loss allowance to noncurrent loans | 74.2471% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.1885% | 4,725 |
| Noncurrent loans to loans | 1.6765% | 4,135 |
| Net loans and leases to total assets | 70.0131% | 3,252 |
| Net loans and leases to deposits | 85.0514% | 3,072 |
| Net loans and leases to core deposits | 115.7906% | 2,342 |
| Total domestic deposits to total assets | 82.3187% | 4,809 |
| Equity capital to assets | 10.4785% | 3,202 |
| Core capital (leverage) ratio | 10.2725% | 2,809 |
| Tier 1 risk-based capital ratio | 16.4056% | 2,354 |
| Total risk-based capital ratio | 17.6584% | 2,305 |
| Memoranda: | ||
| Average total assets | $132,363,000 | 4,292 |
| Average earning assets | $124,781,600 | 4,198 |
| Average equity | $13,591,800 | 4,363 |
| Average total loans | $95,551,600 | 4,074 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0394% | 1,882 |
| Cost of funding earning assets | 2.0950% | 2,910 |
| Net interest margin | 3.9444% | 3,066 |
| Noninterest income to average assets | 0.6421% | 3,403 |
| Noninterest expense to average assets | 2.8427% | 4,711 |
| Loan and lease loss provision to assets | 0.1565% | 5,784 |
| Net operating income to assets | 1.0112% | 2,014 |
| Return on assets (ROA) | 1.0119% | 2,078 |
| Pretax return on assets | 1.3645% | 1,788 |
| Return on Equity (ROE) | 9.9075% | 1,949 |
| Retained earnings to average equity (ytd only) | 6.5552% | 1,683 |
| Net charge-offs to loans | 0.2087% | 4,731 |
| Credit loss provision to net charge-offs | 103.3557% | 4,925 |
| Earnings coverage of net charge-offs (x) | 10.0404% | 2,019 |
| Efficiency ratio | 65.1607% | 5,522 |
| Assets per employee ($millions) | 4.0683% | 3,609 |
| Cash dividends to net income (ytd only)* | 33.8351% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 4,912 |
| Loan loss allowance to noncurrent loans | 68.8764% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.3296% | 4,427 |
| Noncurrent loans to loans | 1.7972% | 3,918 |
| Net loans and leases to total assets | 72.8609% | 2,832 |
| Net loans and leases to deposits | 89.8418% | 2,612 |
| Net loans and leases to core deposits | 119.6653% | 2,276 |
| Total domestic deposits to total assets | 81.0991% | 5,040 |
| Equity capital to assets | 10.6255% | 3,373 |
| Core capital (leverage) ratio | 10.2648% | 3,007 |
| Tier 1 risk-based capital ratio | 15.8827% | 2,670 |
| Total risk-based capital ratio | 17.1350% | 2,599 |
| Memoranda: | ||
| Average total assets | $131,231,250 | 4,350 |
| Average earning assets | $123,783,250 | 4,252 |
| Average equity | $13,403,750 | 4,434 |
| Average total loans | $95,177,250 | 4,118 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0722% | 1,897 |
| Cost of funding earning assets | 2.1349% | 3,111 |
| Net interest margin | 3.9373% | 2,938 |
| Noninterest income to average assets | 0.6251% | 3,498 |
| Noninterest expense to average assets | 2.8720% | 4,621 |
| Loan and lease loss provision to assets | 0.1444% | 5,626 |
| Net operating income to assets | 0.9787% | 2,183 |
| Return on assets (ROA) | 0.9799% | 2,271 |
| Pretax return on assets | 1.3208% | 1,960 |
| Return on Equity (ROE) | 9.7281% | 2,120 |
| Retained earnings to average equity (ytd only) | 6.8920% | 1,627 |
| Net charge-offs to loans | 0.2578% | 3,900 |
| Credit loss provision to net charge-offs | 77.6860% | 5,263 |
| Earnings coverage of net charge-offs (x) | 7.8760% | 2,368 |
| Efficiency ratio | 66.2416% | 5,508 |
| Assets per employee ($millions) | 4.0127% | 3,649 |
| Cash dividends to net income (ytd only)* | 29.1536% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 4,664 |
| Loan loss allowance to noncurrent loans | 75.0314% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 4,538 |
| Noncurrent loans to loans | 1.6548% | 4,012 |
| Net loans and leases to total assets | 71.6602% | 3,307 |
| Net loans and leases to deposits | 86.7519% | 3,400 |
| Net loans and leases to core deposits | 110.7647% | 3,295 |
| Total domestic deposits to total assets | 82.6036% | 4,422 |
| Equity capital to assets | 10.1489% | 3,769 |
| Core capital (leverage) ratio | 10.2455% | 3,048 |
| Tier 1 risk-based capital ratio | 16.0255% | 2,619 |
| Total risk-based capital ratio | 17.2453% | 2,567 |
| Memoranda: | ||
| Average total assets | $130,224,000 | 4,384 |
| Average earning assets | $122,723,330 | 4,302 |
| Average equity | $13,116,670 | 4,519 |
| Average total loans | $93,888,330 | 4,171 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9615% | 2,515 |
| Cost of funding earning assets | 2.1821% | 3,253 |
| Net interest margin | 3.7793% | 3,539 |
| Noninterest income to average assets | 0.6041% | 3,519 |
| Noninterest expense to average assets | 2.7756% | 4,675 |
| Loan and lease loss provision to assets | 0.0929% | 5,768 |
| Net operating income to assets | 0.9611% | 2,475 |
| Return on assets (ROA) | 0.9634% | 2,594 |
| Pretax return on assets | 1.3010% | 2,282 |
| Return on Equity (ROE) | 9.6021% | 2,491 |
| Retained earnings to average equity (ytd only) | 3.8594% | 3,742 |
| Net charge-offs to loans | 0.5604% | 2,067 |
| Credit loss provision to net charge-offs | 23.0769% | 5,038 |
| Earnings coverage of net charge-offs (x) | 3.4538% | 3,174 |
| Efficiency ratio | 66.6171% | 5,213 |
| Assets per employee ($millions) | 4.0593% | 3,541 |
| Cash dividends to net income (ytd only)* | 59.8071% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 4,719 |
| Loan loss allowance to noncurrent loans | 58.8544% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 1.4842% | 3,702 |
| Noncurrent loans to loans | 2.0607% | 3,180 |
| Net loans and leases to total assets | 70.2289% | 3,622 |
| Net loans and leases to deposits | 84.3147% | 3,929 |
| Net loans and leases to core deposits | 107.2667% | 3,767 |
| Total domestic deposits to total assets | 83.2938% | 3,997 |
| Equity capital to assets | 10.0687% | 3,922 |
| Core capital (leverage) ratio | 10.0916% | 3,301 |
| Tier 1 risk-based capital ratio | 16.2000% | 2,616 |
| Total risk-based capital ratio | 17.4527% | 2,557 |
| Memoranda: | ||
| Average total assets | $129,127,000 | 4,427 |
| Average earning assets | $121,715,000 | 4,340 |
| Average equity | $12,955,500 | 4,588 |
| Average total loans | $92,790,500 | 4,238 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5044% | 2,938 |
| Cost of funding earning assets | 2.6292% | 3,533 |
| Net interest margin | 3.8752% | 3,679 |
| Noninterest income to average assets | 0.5513% | 4,221 |
| Noninterest expense to average assets | 2.7735% | 4,939 |
| Loan and lease loss provision to assets | 0.0447% | 6,853 |
| Net operating income to assets | 1.0029% | 2,544 |
| Return on assets (ROA) | 1.0006% | 2,436 |
| Pretax return on assets | 1.3604% | 2,088 |
| Return on Equity (ROE) | 10.1206% | 2,219 |
| Retained earnings to average equity (ytd only) | 5.3831% | 1,820 |
| Net charge-offs to loans | 0.3711% | 2,985 |
| Credit loss provision to net charge-offs | 17.0732% | 6,595 |
| Earnings coverage of net charge-offs (x) | 5.3811% | 3,661 |
| Efficiency ratio | 66.3232% | 5,057 |
| Assets per employee ($millions) | 4.0111% | 3,491 |
| Cash dividends to net income (ytd only)* | 46.8102% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 3,717 |
| Loan loss allowance to noncurrent loans | 61.7097% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 1.5597% | 3,111 |
| Noncurrent loans to loans | 2.1204% | 2,602 |
| Net loans and leases to total assets | 71.6873% | 3,652 |
| Net loans and leases to deposits | 87.6233% | 3,851 |
| Net loans and leases to core deposits | 111.0287% | 3,680 |
| Total domestic deposits to total assets | 81.8131% | 4,271 |
| Equity capital to assets | 9.9972% | 4,039 |
| Core capital (leverage) ratio | 10.1780% | 3,293 |
| Tier 1 risk-based capital ratio | 15.5616% | 2,823 |
| Total risk-based capital ratio | 16.8149% | 2,755 |
| Memoranda: | ||
| Average total assets | $125,329,000 | 4,390 |
| Average earning assets | $117,412,800 | 4,324 |
| Average equity | $12,390,600 | 4,731 |
| Average total loans | $88,385,600 | 4,276 |