Home > First Security Business Bank > Performance and Condition Ratios
First Security Business Bank, 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 | 5.6220% | 266 |
| Cost of funding earning assets | 1.1131% | 135 |
| Net interest margin | 4.5090% | 725 |
| Noninterest income to average assets | 0.0017% | 6,474 |
| Noninterest expense to average assets | 1.8561% | 6,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4090% | 1,112 |
| Return on assets (ROA) | 1.4090% | 1,155 |
| Pretax return on assets | 2.4302% | 243 |
| Return on Equity (ROE) | 5.9580% | 4,255 |
| Retained earnings to average equity (ytd only) | 0.8091% | 5,557 |
| Net charge-offs to loans | -0.0059% | 5,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3036% | 6,387 |
| Assets per employee ($millions) | 8.8064% | 367 |
| Cash dividends to net income (ytd only)* | 86.4200% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3227% | 42 |
| Loan loss allowance to noncurrent loans | 187.6875% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 3.1357% | 732 |
| Noncurrent loans to loans | 3.3687% | 729 |
| Net loans and leases to total assets | 87.1977% | 142 |
| Net loans and leases to deposits | 175.8473% | 12 |
| Net loans and leases to core deposits | 184.6548% | 49 |
| Total domestic deposits to total assets | 49.5872% | 6,528 |
| Equity capital to assets | 29.6082% | 67 |
| Core capital (leverage) ratio | 25.9811% | 78 |
| Tier 1 risk-based capital ratio | 33.8013% | 395 |
| Total risk-based capital ratio | 35.1180% | 386 |
| Memoranda: | ||
| Average total assets | $76,646,250 | 5,195 |
| Average earning assets | $72,831,000 | 5,126 |
| Average equity | $18,126,500 | 3,402 |
| Average total loans | $67,584,000 | 4,290 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5952% | 267 |
| Cost of funding earning assets | 1.1062% | 144 |
| Net interest margin | 4.4891% | 722 |
| Noninterest income to average assets | 0.0024% | 6,539 |
| Noninterest expense to average assets | 1.7539% | 6,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4624% | 944 |
| Return on assets (ROA) | 1.4624% | 985 |
| Pretax return on assets | 2.5231% | 199 |
| Return on Equity (ROE) | 6.6023% | 3,834 |
| Retained earnings to average equity (ytd only) | -1.1391% | 5,872 |
| Net charge-offs to loans | -0.0028% | 5,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0080% | 6,502 |
| Assets per employee ($millions) | 10.5569% | 202 |
| Cash dividends to net income (ytd only)* | 117.2529% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8061% | 54 |
| Loan loss allowance to noncurrent loans | 184.0183% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 2.6672% | 1,006 |
| Noncurrent loans to loans | 3.1552% | 900 |
| Net loans and leases to total assets | 79.6260% | 727 |
| Net loans and leases to deposits | 150.6066% | 20 |
| Net loans and leases to core deposits | 156.4448% | 83 |
| Total domestic deposits to total assets | 52.8702% | 6,592 |
| Equity capital to assets | 24.4107% | 101 |
| Core capital (leverage) ratio | 22.9184% | 115 |
| Tier 1 risk-based capital ratio | 29.7808% | 530 |
| Total risk-based capital ratio | 31.0889% | 523 |
| Memoranda: | ||
| Average total assets | $81,646,670 | 5,120 |
| Average earning assets | $77,744,670 | 5,024 |
| Average equity | $18,084,670 | 3,411 |
| Average total loans | $70,985,000 | 4,202 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6998% | 223 |
| Cost of funding earning assets | 1.1095% | 156 |
| Net interest margin | 4.5903% | 565 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 1.7119% | 6,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5435% | 745 |
| Return on assets (ROA) | 1.5435% | 776 |
| Pretax return on assets | 2.6613% | 191 |
| Return on Equity (ROE) | 7.2898% | 3,315 |
| Retained earnings to average equity (ytd only) | -1.5463% | 5,805 |
| Net charge-offs to loans | -0.0053% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1444% | 6,605 |
| Assets per employee ($millions) | 11.7816% | 141 |
| Cash dividends to net income (ytd only)* | 121.2121% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9613% | 94 |
| Loan loss allowance to noncurrent loans | 180.6275% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 2.4348% | 1,323 |
| Noncurrent loans to loans | 2.7467% | 1,225 |
| Net loans and leases to total assets | 84.2466% | 223 |
| Net loans and leases to deposits | 151.6611% | 17 |
| Net loans and leases to core deposits | 156.6465% | 80 |
| Total domestic deposits to total assets | 55.5492% | 6,656 |
| Equity capital to assets | 21.9132% | 148 |
| Core capital (leverage) ratio | 21.2243% | 157 |
| Tier 1 risk-based capital ratio | 25.5176% | 833 |
| Total risk-based capital ratio | 26.8149% | 812 |
| Memoranda: | ||
| Average total assets | $85,521,000 | 5,077 |
| Average earning assets | $81,477,000 | 4,990 |
| Average equity | $18,107,500 | 3,410 |
| Average total loans | $75,243,000 | 4,091 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6326% | 299 |
| Cost of funding earning assets | 1.1592% | 217 |
| Net interest margin | 4.4734% | 781 |
| Noninterest income to average assets | 0.0010% | 6,645 |
| Noninterest expense to average assets | 1.3560% | 6,651 |
| Loan and lease loss provision to assets | -0.2065% | 6,603 |
| Net operating income to assets | 1.8026% | 481 |
| Return on assets (ROA) | 1.8026% | 493 |
| Pretax return on assets | 3.1057% | 108 |
| Return on Equity (ROE) | 10.3660% | 1,971 |
| Retained earnings to average equity (ytd only) | 2.3582% | 4,567 |
| Net charge-offs to loans | 0.0573% | 4,427 |
| Credit loss provision to net charge-offs | -413.4615% | 6,111 |
| Earnings coverage of net charge-offs (x) | 58.0577% | 708 |
| Efficiency ratio | 31.8664% | 6,754 |
| Assets per employee ($millions) | 14.7618% | 77 |
| Cash dividends to net income (ytd only)* | 77.2509% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6860% | 112 |
| Loan loss allowance to noncurrent loans | 176.9644% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 2.3134% | 1,517 |
| Noncurrent loans to loans | 2.6480% | 1,397 |
| Net loans and leases to total assets | 83.2710% | 307 |
| Net loans and leases to deposits | 148.7006% | 18 |
| Net loans and leases to core deposits | 153.2041% | 84 |
| Total domestic deposits to total assets | 55.9991% | 6,738 |
| Equity capital to assets | 20.4841% | 186 |
| Core capital (leverage) ratio | 19.7160% | 211 |
| Tier 1 risk-based capital ratio | 24.0039% | 955 |
| Total risk-based capital ratio | 25.2980% | 942 |
| Memoranda: | ||
| Average total assets | $104,130,200 | 4,642 |
| Average earning assets | $99,030,000 | 4,537 |
| Average equity | $18,107,200 | 3,399 |
| Average total loans | $90,748,400 | 3,673 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9003% | 205 |
| Cost of funding earning assets | 1.1593% | 236 |
| Net interest margin | 4.7410% | 486 |
| Noninterest income to average assets | 0.0012% | 6,738 |
| Noninterest expense to average assets | 1.3466% | 6,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8329% | 492 |
| Return on assets (ROA) | 1.8329% | 508 |
| Pretax return on assets | 3.1623% | 116 |
| Return on Equity (ROE) | 10.9400% | 1,838 |
| Retained earnings to average equity (ytd only) | 3.3888% | 4,277 |
| Net charge-offs to loans | 0.0893% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 40.6656% | 992 |
| Efficiency ratio | 29.8659% | 6,836 |
| Assets per employee ($millions) | 13.4850% | 104 |
| Cash dividends to net income (ytd only)* | 69.0235% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7344% | 138 |
| Loan loss allowance to noncurrent loans | 184.0461% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 2.2046% | 1,804 |
| Noncurrent loans to loans | 2.5724% | 1,666 |
| Net loans and leases to total assets | 81.6442% | 393 |
| Net loans and leases to deposits | 138.9815% | 25 |
| Net loans and leases to core deposits | 142.7344% | 113 |
| Total domestic deposits to total assets | 58.7446% | 6,794 |
| Equity capital to assets | 19.2542% | 241 |
| Core capital (leverage) ratio | 18.4730% | 266 |
| Tier 1 risk-based capital ratio | 22.7132% | 1,198 |
| Total risk-based capital ratio | 24.0074% | 1,166 |
| Memoranda: | ||
| Average total assets | $108,020,000 | 4,589 |
| Average earning assets | $102,704,750 | 4,485 |
| Average equity | $18,098,250 | 3,441 |
| Average total loans | $94,090,500 | 3,620 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9327% | 200 |
| Cost of funding earning assets | 1.1653% | 241 |
| Net interest margin | 4.7675% | 456 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 1.3273% | 6,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8603% | 458 |
| Return on assets (ROA) | 1.8603% | 491 |
| Pretax return on assets | 3.2089% | 129 |
| Return on Equity (ROE) | 11.5866% | 1,605 |
| Retained earnings to average equity (ytd only) | 5.5000% | 2,742 |
| Net charge-offs to loans | 0.0873% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 898 |
| Efficiency ratio | 29.2597% | 6,884 |
| Assets per employee ($millions) | 14.6999% | 84 |
| Cash dividends to net income (ytd only)* | 52.5310% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3473% | 192 |
| Loan loss allowance to noncurrent loans | 179.5709% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 2.0836% | 2,073 |
| Noncurrent loans to loans | 2.4210% | 1,933 |
| Net loans and leases to total assets | 82.3234% | 336 |
| Net loans and leases to deposits | 136.7901% | 27 |
| Net loans and leases to core deposits | 140.7868% | 129 |
| Total domestic deposits to total assets | 60.1823% | 6,839 |
| Equity capital to assets | 17.6989% | 346 |
| Core capital (leverage) ratio | 16.5873% | 411 |
| Tier 1 risk-based capital ratio | 19.9633% | 1,730 |
| Total risk-based capital ratio | 21.2528% | 1,687 |
| Memoranda: | ||
| Average total assets | $112,561,670 | 4,521 |
| Average earning assets | $107,100,670 | 4,411 |
| Average equity | $18,072,670 | 3,469 |
| Average total loans | $98,488,000 | 3,532 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1673% | 133 |
| Cost of funding earning assets | 1.1855% | 244 |
| Net interest margin | 4.9819% | 303 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 1.3527% | 6,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9626% | 365 |
| Return on assets (ROA) | 1.9626% | 394 |
| Pretax return on assets | 3.3869% | 116 |
| Return on Equity (ROE) | 12.7979% | 1,215 |
| Retained earnings to average equity (ytd only) | 12.7979% | 581 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5406% | 6,968 |
| Assets per employee ($millions) | 15.8254% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0697% | 271 |
| Loan loss allowance to noncurrent loans | 152.9666% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 2.2974% | 2,025 |
| Noncurrent loans to loans | 2.6605% | 1,936 |
| Net loans and leases to total assets | 82.8377% | 246 |
| Net loans and leases to deposits | 133.4021% | 34 |
| Net loans and leases to core deposits | 136.9008% | 136 |
| Total domestic deposits to total assets | 62.0963% | 6,898 |
| Equity capital to assets | 16.5114% | 489 |
| Core capital (leverage) ratio | 14.6345% | 646 |
| Tier 1 risk-based capital ratio | 18.4260% | 2,218 |
| Total risk-based capital ratio | 19.7114% | 2,174 |
| Memoranda: | ||
| Average total assets | $117,393,000 | 4,455 |
| Average earning assets | $111,685,000 | 4,339 |
| Average equity | $18,003,000 | 3,525 |
| Average total loans | $103,452,000 | 3,429 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1355% | 219 |
| Cost of funding earning assets | 1.2189% | 529 |
| Net interest margin | 4.9166% | 438 |
| Noninterest income to average assets | 0.0043% | 6,809 |
| Noninterest expense to average assets | 1.0703% | 6,999 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.1093% | 299 |
| Return on assets (ROA) | 2.1093% | 328 |
| Pretax return on assets | 3.6250% | 93 |
| Return on Equity (ROE) | 11.4632% | 1,666 |
| Retained earnings to average equity (ytd only) | -36.9455% | 6,971 |
| Net charge-offs to loans | 0.2211% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 18.2986% | 1,446 |
| Efficiency ratio | 22.7956% | 7,043 |
| Assets per employee ($millions) | 17.7154% | 66 |
| Cash dividends to net income (ytd only)* | 422.2973% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4995% | 425 |
| Loan loss allowance to noncurrent loans | 150.7162% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 2.0829% | 2,352 |
| Noncurrent loans to loans | 2.3219% | 2,318 |
| Net loans and leases to total assets | 86.5686% | 117 |
| Net loans and leases to deposits | 130.2183% | 42 |
| Net loans and leases to core deposits | 133.0557% | 162 |
| Total domestic deposits to total assets | 66.4796% | 6,890 |
| Equity capital to assets | 14.2854% | 941 |
| Core capital (leverage) ratio | 12.9498% | 1,130 |
| Tier 1 risk-based capital ratio | 15.3999% | 3,486 |
| Total risk-based capital ratio | 16.6776% | 3,433 |
| Memoranda: | ||
| Average total assets | $140,330,200 | 3,941 |
| Average earning assets | $133,893,800 | 3,826 |
| Average equity | $25,821,800 | 2,585 |
| Average total loans | $125,715,000 | 2,965 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1729% | 226 |
| Cost of funding earning assets | 1.2230% | 629 |
| Net interest margin | 4.9499% | 438 |
| Noninterest income to average assets | 0.0046% | 6,920 |
| Noninterest expense to average assets | 1.0876% | 7,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.1087% | 323 |
| Return on assets (ROA) | 2.1087% | 363 |
| Pretax return on assets | 3.6404% | 93 |
| Return on Equity (ROE) | 10.9351% | 1,986 |
| Retained earnings to average equity (ytd only) | 3.7536% | 4,252 |
| Net charge-offs to loans | 0.2866% | 3,009 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 14.1833% | 1,857 |
| Efficiency ratio | 23.0033% | 7,144 |
| Assets per employee ($millions) | 18.7803% | 63 |
| Cash dividends to net income (ytd only)* | 65.6742% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3503% | 530 |
| Loan loss allowance to noncurrent loans | 148.4178% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 1.9953% | 2,645 |
| Noncurrent loans to loans | 2.2573% | 2,548 |
| Net loans and leases to total assets | 85.4285% | 167 |
| Net loans and leases to deposits | 143.5532% | 26 |
| Net loans and leases to core deposits | 146.8532% | 119 |
| Total domestic deposits to total assets | 59.5100% | 7,069 |
| Equity capital to assets | 21.3278% | 191 |
| Core capital (leverage) ratio | 20.8107% | 178 |
| Tier 1 risk-based capital ratio | 24.1297% | 1,007 |
| Total risk-based capital ratio | 25.4060% | 982 |
| Memoranda: | ||
| Average total assets | $144,410,750 | 3,913 |
| Average earning assets | $137,803,500 | 3,793 |
| Average equity | $27,848,500 | 2,426 |
| Average total loans | $129,332,500 | 2,929 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1837% | 225 |
| Cost of funding earning assets | 1.2356% | 694 |
| Net interest margin | 4.9481% | 435 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 1.1000% | 7,170 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.0991% | 342 |
| Return on assets (ROA) | 2.0991% | 382 |
| Pretax return on assets | 3.6227% | 98 |
| Return on Equity (ROE) | 11.2361% | 1,906 |
| Retained earnings to average equity (ytd only) | 5.8376% | 2,808 |
| Net charge-offs to loans | 0.4158% | 2,373 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 9.6906% | 2,140 |
| Efficiency ratio | 23.2916% | 7,201 |
| Assets per employee ($millions) | 19.8254% | 58 |
| Cash dividends to net income (ytd only)* | 48.0461% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1566% | 673 |
| Loan loss allowance to noncurrent loans | 181.7460% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 2.1689% | 2,582 |
| Noncurrent loans to loans | 1.7368% | 3,297 |
| Net loans and leases to total assets | 86.0612% | 137 |
| Net loans and leases to deposits | 139.5469% | 29 |
| Net loans and leases to core deposits | 142.9851% | 132 |
| Total domestic deposits to total assets | 61.6719% | 7,112 |
| Equity capital to assets | 20.2237% | 226 |
| Core capital (leverage) ratio | 18.9785% | 243 |
| Tier 1 risk-based capital ratio | 22.6335% | 1,183 |
| Total risk-based capital ratio | 23.9069% | 1,167 |
| Memoranda: | ||
| Average total assets | $148,727,000 | 3,862 |
| Average earning assets | $141,953,000 | 3,752 |
| Average equity | $27,785,330 | 2,412 |
| Average total loans | $133,710,330 | 2,859 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0643% | 279 |
| Cost of funding earning assets | 1.2373% | 815 |
| Net interest margin | 4.8270% | 534 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 1.1164% | 7,231 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0299% | 398 |
| Return on assets (ROA) | 2.0299% | 456 |
| Pretax return on assets | 3.5029% | 121 |
| Return on Equity (ROE) | 11.2859% | 1,908 |
| Retained earnings to average equity (ytd only) | 11.2859% | 968 |
| Net charge-offs to loans | 0.4608% | 1,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.4125% | 1,961 |
| Efficiency ratio | 24.1690% | 7,257 |
| Assets per employee ($millions) | 21.7521% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9834% | 847 |
| Loan loss allowance to noncurrent loans | 184.9239% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 2.0734% | 2,802 |
| Noncurrent loans to loans | 1.6133% | 3,698 |
| Net loans and leases to total assets | 85.6605% | 132 |
| Net loans and leases to deposits | 133.2016% | 41 |
| Net loans and leases to core deposits | 136.0612% | 162 |
| Total domestic deposits to total assets | 64.3089% | 7,138 |
| Equity capital to assets | 18.4120% | 313 |
| Core capital (leverage) ratio | 18.1979% | 287 |
| Tier 1 risk-based capital ratio | 20.7847% | 1,527 |
| Total risk-based capital ratio | 22.0562% | 1,494 |
| Memoranda: | ||
| Average total assets | $153,701,500 | 3,810 |
| Average earning assets | $147,089,500 | 3,681 |
| Average equity | $27,645,000 | 2,420 |
| Average total loans | $138,902,000 | 2,801 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 7,063 |
| Cost of funding earning assets | 0.6919% | 5,593 |
| Net interest margin | 2.6852% | 6,936 |
| Noninterest income to average assets | 0.0003% | 6,980 |
| Noninterest expense to average assets | 0.7989% | 7,312 |
| Loan and lease loss provision to assets | 0.2259% | 3,945 |
| Net operating income to assets | 0.8977% | 2,615 |
| Return on assets (ROA) | 1.3019% | 1,349 |
| Pretax return on assets | 2.2466% | 334 |
| Return on Equity (ROE) | 14.2096% | 883 |
| Retained earnings to average equity (ytd only) | -26.8824% | 7,059 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.2624% | 7,295 |
| Assets per employee ($millions) | 22.1626% | 57 |
| Cash dividends to net income (ytd only)* | 289.1845% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9094% | 884 |
| Loan loss allowance to noncurrent loans | 84.9491% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 3.1649% | 1,891 |
| Noncurrent loans to loans | 3.4249% | 1,884 |
| Net loans and leases to total assets | 89.7208% | 45 |
| Net loans and leases to deposits | 138.2990% | 40 |
| Net loans and leases to core deposits | 141.1860% | 168 |
| Total domestic deposits to total assets | 64.8745% | 7,159 |
| Equity capital to assets | 17.5682% | 377 |
| Core capital (leverage) ratio | 15.3869% | 543 |
| Tier 1 risk-based capital ratio | 19.1306% | 1,859 |
| Total risk-based capital ratio | 20.4011% | 1,822 |
| Memoranda: | ||
| Average total assets | $398,426,000 | 1,629 |
| Average earning assets | $391,659,400 | 1,524 |
| Average equity | $36,503,400 | 1,852 |
| Average total loans | $156,039,800 | 2,553 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1842% | 7,215 |
| Cost of funding earning assets | 0.6582% | 5,994 |
| Net interest margin | 2.5260% | 7,120 |
| Noninterest income to average assets | 0.0514% | 6,950 |
| Noninterest expense to average assets | 0.8039% | 7,392 |
| Loan and lease loss provision to assets | 0.2177% | 3,837 |
| Net operating income to assets | 0.8363% | 2,998 |
| Return on assets (ROA) | 1.3038% | 1,454 |
| Pretax return on assets | 2.2483% | 396 |
| Return on Equity (ROE) | 15.4264% | 758 |
| Retained earnings to average equity (ytd only) | 15.4264% | 204 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.6566% | 7,353 |
| Assets per employee ($millions) | 16.6282% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6412% | 1,217 |
| Loan loss allowance to noncurrent loans | 151.7358% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 1.1383% | 4,510 |
| Noncurrent loans to loans | 1.7406% | 3,713 |
| Net loans and leases to total assets | 63.6702% | 3,378 |
| Net loans and leases to deposits | 92.1990% | 999 |
| Net loans and leases to core deposits | 93.5833% | 1,830 |
| Total domestic deposits to total assets | 69.0573% | 7,088 |
| Equity capital to assets | 17.8522% | 410 |
| Core capital (leverage) ratio | 11.0391% | 2,355 |
| Tier 1 risk-based capital ratio | 25.1650% | 899 |
| Total risk-based capital ratio | 26.4293% | 890 |
| Memoranda: | ||
| Average total assets | $459,248,000 | 1,442 |
| Average earning assets | $452,348,250 | 1,354 |
| Average equity | $38,815,500 | 1,740 |
| Average total loans | $159,209,250 | 2,524 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8546% | 7,373 |
| Cost of funding earning assets | 0.6090% | 6,413 |
| Net interest margin | 2.2455% | 7,302 |
| Noninterest income to average assets | 0.0468% | 7,059 |
| Noninterest expense to average assets | 0.6994% | 7,476 |
| Loan and lease loss provision to assets | 0.2244% | 3,668 |
| Net operating income to assets | 0.9249% | 2,535 |
| Return on assets (ROA) | 0.9249% | 2,642 |
| Pretax return on assets | 1.3390% | 2,001 |
| Return on Equity (ROE) | 13.0498% | 1,189 |
| Retained earnings to average equity (ytd only) | 13.0498% | 385 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.9091% | 7,433 |
| Assets per employee ($millions) | 35.0301% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4346% | 1,540 |
| Loan loss allowance to noncurrent loans | 248.7789% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 6,338 |
| Noncurrent loans to loans | 0.9786% | 5,024 |
| Net loans and leases to total assets | 31.6316% | 7,125 |
| Net loans and leases to deposits | 36.9660% | 7,153 |
| Net loans and leases to core deposits | 37.1498% | 7,193 |
| Total domestic deposits to total assets | 85.5695% | 3,585 |
| Equity capital to assets | 8.1746% | 6,537 |
| Core capital (leverage) ratio | 7.2918% | 6,869 |
| Tier 1 risk-based capital ratio | 16.3675% | 2,799 |
| Total risk-based capital ratio | 17.6648% | 2,743 |
| Memoranda: | ||
| Average total assets | $534,732,330 | 1,250 |
| Average earning assets | $527,714,330 | 1,155 |
| Average equity | $37,901,000 | 1,769 |
| Average total loans | $161,531,670 | 2,519 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7221% | 7,453 |
| Cost of funding earning assets | 0.5950% | 6,627 |
| Net interest margin | 2.1270% | 7,382 |
| Noninterest income to average assets | 0.0474% | 7,148 |
| Noninterest expense to average assets | 0.7032% | 7,538 |
| Loan and lease loss provision to assets | 0.2155% | 3,494 |
| Net operating income to assets | 0.3785% | 5,034 |
| Return on assets (ROA) | 0.3785% | 5,116 |
| Pretax return on assets | 1.2290% | 2,275 |
| Return on Equity (ROE) | 5.7272% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.7272% | 2,787 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.7425% | 7,480 |
| Assets per employee ($millions) | 37.5396% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2208% | 1,912 |
| Loan loss allowance to noncurrent loans | 146.2925% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 6,126 |
| Noncurrent loans to loans | 1.5180% | 4,195 |
| Net loans and leases to total assets | 27.9222% | 7,298 |
| Net loans and leases to deposits | 31.8253% | 7,326 |
| Net loans and leases to core deposits | 31.9597% | 7,356 |
| Total domestic deposits to total assets | 87.7356% | 2,531 |
| Equity capital to assets | 6.5623% | 7,193 |
| Core capital (leverage) ratio | 6.7738% | 7,089 |
| Tier 1 risk-based capital ratio | 14.6216% | 3,663 |
| Total risk-based capital ratio | 15.8809% | 3,616 |
| Memoranda: | ||
| Average total assets | $556,888,000 | 1,211 |
| Average earning assets | $549,879,000 | 1,111 |
| Average equity | $36,806,500 | 1,806 |
| Average total loans | $162,798,000 | 2,524 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7065% | 7,302 |
| Cost of funding earning assets | 0.8197% | 6,485 |
| Net interest margin | 2.8869% | 6,913 |
| Noninterest income to average assets | 0.0873% | 6,957 |
| Noninterest expense to average assets | 0.7569% | 7,598 |
| Loan and lease loss provision to assets | 0.3036% | 4,378 |
| Net operating income to assets | 1.0539% | 1,861 |
| Return on assets (ROA) | 1.0711% | 1,887 |
| Pretax return on assets | 1.8923% | 625 |
| Return on Equity (ROE) | 12.0842% | 1,305 |
| Retained earnings to average equity (ytd only) | 12.0842% | 269 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.8689% | 7,603 |
| Assets per employee ($millions) | 36.7121% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9849% | 2,342 |
| Loan loss allowance to noncurrent loans | 149.9771% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 6,280 |
| Noncurrent loans to loans | 1.3234% | 4,508 |
| Net loans and leases to total assets | 29.3320% | 7,369 |
| Net loans and leases to deposits | 33.4865% | 7,403 |
| Net loans and leases to core deposits | 33.6314% | 7,428 |
| Total domestic deposits to total assets | 87.5936% | 2,489 |
| Equity capital to assets | 6.6574% | 7,220 |
| Core capital (leverage) ratio | 7.9684% | 6,249 |
| Tier 1 risk-based capital ratio | 15.0339% | 3,229 |
| Total risk-based capital ratio | 16.2929% | 3,177 |
| Memoranda: | ||
| Average total assets | $395,294,000 | 1,670 |
| Average earning assets | $388,693,400 | 1,548 |
| Average equity | $35,037,400 | 1,894 |
| Average total loans | $164,925,600 | 2,548 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0695% | 7,226 |
| Cost of funding earning assets | 0.9112% | 6,354 |
| Net interest margin | 3.1583% | 6,457 |
| Noninterest income to average assets | 0.1036% | 7,029 |
| Noninterest expense to average assets | 0.8525% | 7,712 |
| Loan and lease loss provision to assets | 0.3366% | 3,910 |
| Net operating income to assets | 1.1279% | 1,800 |
| Return on assets (ROA) | 1.1528% | 1,824 |
| Pretax return on assets | 2.0547% | 554 |
| Return on Equity (ROE) | 11.8656% | 1,542 |
| Retained earnings to average equity (ytd only) | 11.8656% | 477 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.5990% | 7,700 |
| Assets per employee ($millions) | 27.7855% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7882% | 2,823 |
| Loan loss allowance to noncurrent loans | 136.0348% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5240% | 6,117 |
| Noncurrent loans to loans | 1.3145% | 4,667 |
| Net loans and leases to total assets | 39.1515% | 7,126 |
| Net loans and leases to deposits | 46.7593% | 7,141 |
| Net loans and leases to core deposits | 47.0394% | 7,230 |
| Total domestic deposits to total assets | 83.7299% | 4,257 |
| Equity capital to assets | 8.7379% | 5,958 |
| Core capital (leverage) ratio | 8.7577% | 5,090 |
| Tier 1 risk-based capital ratio | 16.5369% | 2,545 |
| Total risk-based capital ratio | 17.8137% | 2,486 |
| Memoranda: | ||
| Average total assets | $356,447,000 | 1,857 |
| Average earning assets | $350,008,250 | 1,731 |
| Average equity | $34,631,500 | 1,935 |
| Average total loans | $164,957,750 | 2,586 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 7,022 |
| Cost of funding earning assets | 0.9709% | 6,285 |
| Net interest margin | 3.3456% | 5,849 |
| Noninterest income to average assets | 0.1219% | 6,992 |
| Noninterest expense to average assets | 0.9015% | 7,785 |
| Loan and lease loss provision to assets | 0.3568% | 3,578 |
| Net operating income to assets | 1.4308% | 1,032 |
| Return on assets (ROA) | 1.4575% | 1,045 |
| Pretax return on assets | 2.1841% | 418 |
| Return on Equity (ROE) | 14.4024% | 958 |
| Retained earnings to average equity (ytd only) | 14.4024% | 288 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.4942% | 7,767 |
| Assets per employee ($millions) | 24.7879% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 3,326 |
| Loan loss allowance to noncurrent loans | 123.7147% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 5,942 |
| Noncurrent loans to loans | 1.3163% | 4,752 |
| Net loans and leases to total assets | 46.4927% | 6,744 |
| Net loans and leases to deposits | 57.5811% | 6,604 |
| Net loans and leases to core deposits | 58.0840% | 6,823 |
| Total domestic deposits to total assets | 80.7429% | 5,495 |
| Equity capital to assets | 10.3288% | 3,616 |
| Core capital (leverage) ratio | 9.4993% | 3,822 |
| Tier 1 risk-based capital ratio | 17.5033% | 2,100 |
| Total risk-based capital ratio | 18.7802% | 2,058 |
| Memoranda: | ||
| Average total assets | $336,335,000 | 1,979 |
| Average earning assets | $329,802,000 | 1,850 |
| Average equity | $34,036,000 | 1,962 |
| Average total loans | $164,561,000 | 2,629 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 7,084 |
| Cost of funding earning assets | 0.9923% | 6,413 |
| Net interest margin | 3.3407% | 5,814 |
| Noninterest income to average assets | 0.1571% | 6,843 |
| Noninterest expense to average assets | 0.9414% | 7,881 |
| Loan and lease loss provision to assets | 0.3626% | 3,195 |
| Net operating income to assets | 1.1654% | 1,629 |
| Return on assets (ROA) | 1.2049% | 1,605 |
| Pretax return on assets | 2.1898% | 431 |
| Return on Equity (ROE) | 12.0367% | 1,492 |
| Retained earnings to average equity (ytd only) | 12.0367% | 743 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.4296% | 7,868 |
| Assets per employee ($millions) | 24.2209% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 4,258 |
| Loan loss allowance to noncurrent loans | 393.2007% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 7,029 |
| Noncurrent loans to loans | 0.3639% | 6,571 |
| Net loans and leases to total assets | 48.1666% | 6,662 |
| Net loans and leases to deposits | 59.4659% | 6,515 |
| Net loans and leases to core deposits | 59.9958% | 6,751 |
| Total domestic deposits to total assets | 80.9987% | 5,461 |
| Equity capital to assets | 9.9870% | 3,893 |
| Core capital (leverage) ratio | 10.0403% | 3,115 |
| Tier 1 risk-based capital ratio | 16.7952% | 2,346 |
| Total risk-based capital ratio | 17.9808% | 2,317 |
| Memoranda: | ||
| Average total assets | $330,987,000 | 2,058 |
| Average earning assets | $324,486,500 | 1,924 |
| Average equity | $33,132,000 | 2,023 |
| Average total loans | $164,834,000 | 2,688 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 7,369 |
| Cost of funding earning assets | 1.2263% | 6,566 |
| Net interest margin | 3.2917% | 5,778 |
| Noninterest income to average assets | 0.2584% | 6,263 |
| Noninterest expense to average assets | 1.0069% | 7,943 |
| Loan and lease loss provision to assets | 0.1419% | 6,221 |
| Net operating income to assets | 1.3541% | 934 |
| Return on assets (ROA) | 1.4021% | 909 |
| Pretax return on assets | 2.4268% | 177 |
| Return on Equity (ROE) | 15.2250% | 645 |
| Retained earnings to average equity (ytd only) | 15.2250% | 95 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.7644% | 7,942 |
| Assets per employee ($millions) | 23.0630% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 4,975 |
| Loan loss allowance to noncurrent loans | 342.8808% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 7,002 |
| Noncurrent loans to loans | 0.3684% | 6,541 |
| Net loans and leases to total assets | 50.1412% | 6,626 |
| Net loans and leases to deposits | 62.1140% | 6,458 |
| Net loans and leases to core deposits | 66.2613% | 6,967 |
| Total domestic deposits to total assets | 80.7245% | 5,431 |
| Equity capital to assets | 10.0343% | 3,710 |
| Core capital (leverage) ratio | 9.8472% | 3,273 |
| Tier 1 risk-based capital ratio | 16.6935% | 2,239 |
| Total risk-based capital ratio | 17.7500% | 2,265 |
| Memoranda: | ||
| Average total assets | $331,999,600 | 2,042 |
| Average earning assets | $327,006,800 | 1,905 |
| Average equity | $30,574,800 | 2,192 |
| Average total loans | $158,272,000 | 2,793 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 7,497 |
| Cost of funding earning assets | 1.2558% | 6,695 |
| Net interest margin | 3.2577% | 5,803 |
| Noninterest income to average assets | 0.2788% | 6,242 |
| Noninterest expense to average assets | 0.9740% | 8,034 |
| Loan and lease loss provision to assets | 0.0682% | 6,685 |
| Net operating income to assets | 1.4112% | 1,000 |
| Return on assets (ROA) | 1.4355% | 1,014 |
| Pretax return on assets | 2.4873% | 196 |
| Return on Equity (ROE) | 15.9321% | 668 |
| Retained earnings to average equity (ytd only) | 15.9321% | 133 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.8958% | 8,023 |
| Assets per employee ($millions) | 22.6478% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 51.1687% | 6,687 |
| Net loans and leases to deposits | 63.6053% | 6,534 |
| Net loans and leases to core deposits | 67.2183% | 7,100 |
| Total domestic deposits to total assets | 80.4472% | 5,269 |
| Equity capital to assets | 10.1722% | 3,878 |
| Core capital (leverage) ratio | 9.3495% | 4,113 |
| Tier 1 risk-based capital ratio | 15.9002% | 2,665 |
| Total risk-based capital ratio | 16.8229% | 2,717 |
| Memoranda: | ||
| Average total assets | $334,279,000 | 2,049 |
| Average earning assets | $329,669,750 | 1,901 |
| Average equity | $30,118,750 | 2,246 |
| Average total loans | $156,848,000 | 2,842 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 7,681 |
| Cost of funding earning assets | 1.2700% | 6,901 |
| Net interest margin | 3.1681% | 6,032 |
| Noninterest income to average assets | 0.3070% | 6,054 |
| Noninterest expense to average assets | 0.9382% | 8,138 |
| Loan and lease loss provision to assets | 0.0424% | 6,810 |
| Net operating income to assets | 1.4103% | 1,008 |
| Return on assets (ROA) | 1.4435% | 1,002 |
| Pretax return on assets | 2.5052% | 213 |
| Return on Equity (ROE) | 16.6897% | 616 |
| Retained earnings to average equity (ytd only) | 16.6897% | 144 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3210% | 8,117 |
| Assets per employee ($millions) | 24.4573% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 5,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 44.5365% | 7,292 |
| Net loans and leases to deposits | 54.6609% | 7,238 |
| Net loans and leases to core deposits | 57.1222% | 7,552 |
| Total domestic deposits to total assets | 81.4779% | 4,903 |
| Equity capital to assets | 8.9681% | 5,360 |
| Core capital (leverage) ratio | 8.3926% | 5,631 |
| Tier 1 risk-based capital ratio | 16.1014% | 2,590 |
| Total risk-based capital ratio | 16.9803% | 2,653 |
| Memoranda: | ||
| Average total assets | $340,015,670 | 2,037 |
| Average earning assets | $335,600,000 | 1,890 |
| Average equity | $29,407,330 | 2,313 |
| Average total loans | $154,460,330 | 2,912 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3776% | 7,812 |
| Cost of funding earning assets | 1.2995% | 7,012 |
| Net interest margin | 3.0781% | 6,261 |
| Noninterest income to average assets | 0.3624% | 5,542 |
| Noninterest expense to average assets | 0.9763% | 8,174 |
| Loan and lease loss provision to assets | 0.0425% | 6,440 |
| Net operating income to assets | 1.3659% | 1,218 |
| Return on assets (ROA) | 1.3659% | 1,308 |
| Pretax return on assets | 2.3859% | 311 |
| Return on Equity (ROE) | 16.0932% | 807 |
| Retained earnings to average equity (ytd only) | 16.0932% | 331 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.6755% | 8,156 |
| Assets per employee ($millions) | 25.8504% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 5,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 42.6319% | 7,426 |
| Net loans and leases to deposits | 51.6525% | 7,424 |
| Net loans and leases to core deposits | 53.6255% | 7,686 |
| Total domestic deposits to total assets | 82.5360% | 4,361 |
| Equity capital to assets | 8.1060% | 6,668 |
| Core capital (leverage) ratio | 8.4921% | 5,555 |
| Tier 1 risk-based capital ratio | 14.4488% | 3,336 |
| Total risk-based capital ratio | 15.2546% | 3,506 |
| Memoranda: | ||
| Average total assets | $338,822,500 | 2,053 |
| Average earning assets | $334,885,500 | 1,890 |
| Average equity | $28,757,500 | 2,364 |
| Average total loans | $154,607,500 | 2,932 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7520% | 6,591 |
| Cost of funding earning assets | 2.6484% | 3,441 |
| Net interest margin | 3.1036% | 6,644 |
| Noninterest income to average assets | 0.0458% | 7,912 |
| Noninterest expense to average assets | 1.0153% | 8,200 |
| Loan and lease loss provision to assets | 0.0590% | 6,672 |
| Net operating income to assets | 1.1507% | 1,938 |
| Return on assets (ROA) | 1.1507% | 1,867 |
| Pretax return on assets | 2.0137% | 585 |
| Return on Equity (ROE) | 7.9445% | 3,097 |
| Retained earnings to average equity (ytd only) | -0.4220% | 5,416 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8783% | 8,215 |
| Assets per employee ($millions) | 19.7338% | 77 |
| Cash dividends to net income (ytd only)* | 105.3114% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 5,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 48.0433% | 7,186 |
| Net loans and leases to deposits | 59.7933% | 7,107 |
| Net loans and leases to core deposits | 62.4247% | 7,500 |
| Total domestic deposits to total assets | 80.3490% | 4,887 |
| Equity capital to assets | 8.9247% | 5,464 |
| Core capital (leverage) ratio | 11.0186% | 2,582 |
| Tier 1 risk-based capital ratio | 14.7178% | 3,194 |
| Total risk-based capital ratio | 15.5535% | 3,313 |
| Memoranda: | ||
| Average total assets | $189,799,400 | 3,275 |
| Average earning assets | $186,039,800 | 3,104 |
| Average equity | $27,490,600 | 2,441 |
| Average total loans | $129,966,800 | 3,271 |