Home > Newton County Bank > Performance and Condition Ratios
Newton County Bank, 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 | 3.9735% | 3,397 |
| Cost of funding earning assets | 0.2184% | 5,272 |
| Net interest margin | 3.7551% | 2,499 |
| Noninterest income to average assets | 0.9552% | 1,290 |
| Noninterest expense to average assets | 3.2252% | 1,907 |
| Loan and lease loss provision to assets | 0.0126% | 3,866 |
| Net operating income to assets | 1.1752% | 1,681 |
| Return on assets (ROA) | 1.1752% | 1,749 |
| Pretax return on assets | 1.1752% | 2,878 |
| Return on Equity (ROE) | 8.4686% | 2,815 |
| Retained earnings to average equity (ytd only) | 6.4307% | 1,987 |
| Net charge-offs to loans | 0.0499% | 2,710 |
| Credit loss provision to net charge-offs | 45.4545% | 2,752 |
| Earnings coverage of net charge-offs (x) | 42.9545% | 1,075 |
| Efficiency ratio | 73.0846% | 2,823 |
| Assets per employee ($millions) | 4.0504% | 3,777 |
| Cash dividends to net income (ytd only)* | 24.0642% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 3,124 |
| Loan loss allowance to noncurrent loans | 40.1637% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 2.5746% | 721 |
| Noncurrent loans to loans | 3.2913% | 559 |
| Net loans and leases to total assets | 55.6674% | 4,373 |
| Net loans and leases to deposits | 65.5869% | 4,376 |
| Net loans and leases to core deposits | 67.8260% | 4,503 |
| Total domestic deposits to total assets | 84.8758% | 3,180 |
| Equity capital to assets | 14.2354% | 897 |
| Core capital (leverage) ratio | 12.9846% | 1,175 |
| Tier 1 risk-based capital ratio | 18.5239% | 1,913 |
| Total risk-based capital ratio | 19.5828% | 1,936 |
| Memoranda: | ||
| Average total assets | $159,124,330 | 3,502 |
| Average earning assets | $146,522,000 | 3,511 |
| Average equity | $22,081,670 | 2,987 |
| Average total loans | $88,091,330 | 3,689 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,468 |
| Cost of funding earning assets | 0.2231% | 5,287 |
| Net interest margin | 3.7146% | 2,571 |
| Noninterest income to average assets | 0.9668% | 1,196 |
| Noninterest expense to average assets | 3.1959% | 1,995 |
| Loan and lease loss provision to assets | 0.0250% | 3,373 |
| Net operating income to assets | 1.1647% | 1,651 |
| Return on assets (ROA) | 1.1647% | 1,756 |
| Pretax return on assets | 1.1647% | 2,814 |
| Return on Equity (ROE) | 8.5013% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.5013% | 1,376 |
| Net charge-offs to loans | 0.0411% | 2,408 |
| Credit loss provision to net charge-offs | 111.1111% | 1,503 |
| Earnings coverage of net charge-offs (x) | 52.7778% | 805 |
| Efficiency ratio | 72.8726% | 3,014 |
| Assets per employee ($millions) | 4.1629% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 3,041 |
| Loan loss allowance to noncurrent loans | 224.9527% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 1.0298% | 2,561 |
| Noncurrent loans to loans | 0.6111% | 3,740 |
| Net loans and leases to total assets | 52.5860% | 4,601 |
| Net loans and leases to deposits | 61.6496% | 4,608 |
| Net loans and leases to core deposits | 63.4709% | 4,745 |
| Total domestic deposits to total assets | 85.2983% | 3,267 |
| Equity capital to assets | 13.6725% | 1,103 |
| Core capital (leverage) ratio | 12.7652% | 1,249 |
| Tier 1 risk-based capital ratio | 18.2834% | 2,068 |
| Total risk-based capital ratio | 19.8164% | 1,937 |
| Memoranda: | ||
| Average total assets | $159,704,000 | 3,511 |
| Average earning assets | $146,986,500 | 3,520 |
| Average equity | $21,879,000 | 3,032 |
| Average total loans | $87,580,500 | 3,712 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 2,996 |
| Cost of funding earning assets | 0.2316% | 5,505 |
| Net interest margin | 3.9542% | 2,033 |
| Noninterest income to average assets | 1.1059% | 997 |
| Noninterest expense to average assets | 3.4569% | 1,583 |
| Loan and lease loss provision to assets | 0.0317% | 3,966 |
| Net operating income to assets | 1.2483% | 1,440 |
| Return on assets (ROA) | 1.2483% | 1,505 |
| Pretax return on assets | 1.2483% | 2,448 |
| Return on Equity (ROE) | 9.3204% | 2,430 |
| Retained earnings to average equity (ytd only) | 2.5853% | 4,401 |
| Net charge-offs to loans | 0.0636% | 3,582 |
| Credit loss provision to net charge-offs | 89.2857% | 2,658 |
| Earnings coverage of net charge-offs (x) | 36.1071% | 1,171 |
| Efficiency ratio | 72.9788% | 3,036 |
| Assets per employee ($millions) | 4.0270% | 3,891 |
| Cash dividends to net income (ytd only)* | 72.2617% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 3,217 |
| Loan loss allowance to noncurrent loans | 208.9631% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 1.1060% | 2,542 |
| Noncurrent loans to loans | 0.6422% | 3,761 |
| Net loans and leases to total assets | 55.6538% | 4,374 |
| Net loans and leases to deposits | 65.2712% | 4,402 |
| Net loans and leases to core deposits | 67.2659% | 4,575 |
| Total domestic deposits to total assets | 85.2655% | 3,179 |
| Equity capital to assets | 13.7278% | 1,059 |
| Core capital (leverage) ratio | 13.7696% | 875 |
| Tier 1 risk-based capital ratio | 18.4275% | 2,008 |
| Total risk-based capital ratio | 19.8546% | 1,926 |
| Memoranda: | ||
| Average total assets | $157,974,400 | 3,522 |
| Average earning assets | $145,061,600 | 3,522 |
| Average equity | $21,158,000 | 3,036 |
| Average total loans | $88,077,200 | 3,673 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 2,990 |
| Cost of funding earning assets | 0.2314% | 5,579 |
| Net interest margin | 3.9688% | 1,971 |
| Noninterest income to average assets | 1.0813% | 1,039 |
| Noninterest expense to average assets | 3.3112% | 1,878 |
| Loan and lease loss provision to assets | 0.0169% | 4,076 |
| Net operating income to assets | 1.3965% | 1,138 |
| Return on assets (ROA) | 1.3965% | 1,179 |
| Pretax return on assets | 1.3965% | 2,020 |
| Return on Equity (ROE) | 10.4917% | 2,005 |
| Retained earnings to average equity (ytd only) | 2.8936% | 4,539 |
| Net charge-offs to loans | 0.0030% | 4,598 |
| Credit loss provision to net charge-offs | 1,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 837.4307% | 87 |
| Efficiency ratio | 70.0856% | 3,492 |
| Assets per employee ($millions) | 3.9498% | 3,982 |
| Cash dividends to net income (ytd only)* | 72.4200% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 3,289 |
| Loan loss allowance to noncurrent loans | 252.7083% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.7564% | 1,702 |
| Noncurrent loans to loans | 0.5438% | 4,295 |
| Net loans and leases to total assets | 55.1054% | 4,447 |
| Net loans and leases to deposits | 64.4252% | 4,488 |
| Net loans and leases to core deposits | 66.5090% | 4,660 |
| Total domestic deposits to total assets | 85.5339% | 3,100 |
| Equity capital to assets | 13.4471% | 1,209 |
| Core capital (leverage) ratio | 13.5795% | 970 |
| Tier 1 risk-based capital ratio | 18.3187% | 2,111 |
| Total risk-based capital ratio | 19.7672% | 2,008 |
| Memoranda: | ||
| Average total assets | $158,204,750 | 3,538 |
| Average earning assets | $145,229,750 | 3,558 |
| Average equity | $21,057,500 | 3,056 |
| Average total loans | $87,947,750 | 3,711 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 3,136 |
| Cost of funding earning assets | 0.2294% | 5,668 |
| Net interest margin | 3.9242% | 2,071 |
| Noninterest income to average assets | 1.0640% | 1,052 |
| Noninterest expense to average assets | 3.3258% | 1,851 |
| Loan and lease loss provision to assets | 0.0253% | 3,775 |
| Net operating income to assets | 1.3230% | 1,243 |
| Return on assets (ROA) | 1.3230% | 1,293 |
| Pretax return on assets | 1.3230% | 2,176 |
| Return on Equity (ROE) | 9.9738% | 2,162 |
| Retained earnings to average equity (ytd only) | 2.3529% | 4,707 |
| Net charge-offs to loans | 0.0023% | 4,311 |
| Credit loss provision to net charge-offs | 2,000.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 1,067.0000% | 58 |
| Efficiency ratio | 71.1544% | 3,478 |
| Assets per employee ($millions) | 3.9646% | 3,912 |
| Cash dividends to net income (ytd only)* | 76.4088% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 3,396 |
| Loan loss allowance to noncurrent loans | 241.3519% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 1.9138% | 1,689 |
| Noncurrent loans to loans | 0.5768% | 4,291 |
| Net loans and leases to total assets | 54.2271% | 4,512 |
| Net loans and leases to deposits | 63.3822% | 4,558 |
| Net loans and leases to core deposits | 64.4437% | 4,776 |
| Total domestic deposits to total assets | 85.5558% | 3,266 |
| Equity capital to assets | 13.4283% | 1,186 |
| Core capital (leverage) ratio | 13.3866% | 1,020 |
| Tier 1 risk-based capital ratio | 18.2000% | 2,166 |
| Total risk-based capital ratio | 19.7160% | 2,035 |
| Memoranda: | ||
| Average total assets | $158,276,330 | 3,560 |
| Average earning assets | $145,609,330 | 3,574 |
| Average equity | $20,995,000 | 3,055 |
| Average total loans | $87,839,000 | 3,720 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 2,977 |
| Cost of funding earning assets | 0.2311% | 5,742 |
| Net interest margin | 3.9402% | 1,953 |
| Noninterest income to average assets | 1.0776% | 960 |
| Noninterest expense to average assets | 3.3999% | 1,702 |
| Loan and lease loss provision to assets | 0.0506% | 3,087 |
| Net operating income to assets | 1.2497% | 1,347 |
| Return on assets (ROA) | 1.2497% | 1,406 |
| Pretax return on assets | 1.2497% | 2,284 |
| Return on Equity (ROE) | 9.4795% | 2,262 |
| Retained earnings to average equity (ytd only) | 3.7227% | 3,898 |
| Net charge-offs to loans | 0.0091% | 3,443 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 186 |
| Efficiency ratio | 72.3358% | 3,425 |
| Assets per employee ($millions) | 4.0306% | 3,884 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 3,543 |
| Loan loss allowance to noncurrent loans | 187.7709% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 2.1585% | 1,543 |
| Noncurrent loans to loans | 0.7521% | 3,986 |
| Net loans and leases to total assets | 52.5260% | 4,610 |
| Net loans and leases to deposits | 61.1625% | 4,645 |
| Net loans and leases to core deposits | 62.8092% | 4,806 |
| Total domestic deposits to total assets | 85.8794% | 3,426 |
| Equity capital to assets | 13.1059% | 1,261 |
| Core capital (leverage) ratio | 13.3579% | 1,018 |
| Tier 1 risk-based capital ratio | 18.2587% | 2,185 |
| Total risk-based capital ratio | 19.7938% | 2,074 |
| Memoranda: | ||
| Average total assets | $158,123,000 | 3,588 |
| Average earning assets | $145,375,000 | 3,600 |
| Average equity | $20,845,000 | 3,074 |
| Average total loans | $88,154,000 | 3,746 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3687% | 2,693 |
| Cost of funding earning assets | 0.3109% | 5,511 |
| Net interest margin | 4.0578% | 1,777 |
| Noninterest income to average assets | 1.1310% | 1,096 |
| Noninterest expense to average assets | 3.5339% | 1,585 |
| Loan and lease loss provision to assets | 0.0765% | 3,579 |
| Net operating income to assets | 1.2553% | 1,376 |
| Return on assets (ROA) | 1.2553% | 1,434 |
| Pretax return on assets | 1.2553% | 2,338 |
| Return on Equity (ROE) | 9.7109% | 2,229 |
| Retained earnings to average equity (ytd only) | 3.4259% | 3,792 |
| Net charge-offs to loans | -0.0022% | 5,857 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6296% | 3,363 |
| Assets per employee ($millions) | 3.3700% | 5,159 |
| Cash dividends to net income (ytd only)* | 64.7208% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 4,032 |
| Loan loss allowance to noncurrent loans | 258.6580% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 2.1184% | 1,689 |
| Noncurrent loans to loans | 0.5110% | 4,719 |
| Net loans and leases to total assets | 57.5503% | 4,111 |
| Net loans and leases to deposits | 67.1916% | 4,162 |
| Net loans and leases to core deposits | 69.0807% | 4,385 |
| Total domestic deposits to total assets | 85.6510% | 3,427 |
| Equity capital to assets | 13.2627% | 1,154 |
| Core capital (leverage) ratio | 13.5471% | 941 |
| Tier 1 risk-based capital ratio | 17.6700% | 2,351 |
| Total risk-based capital ratio | 18.6816% | 2,415 |
| Memoranda: | ||
| Average total assets | $156,938,000 | 3,600 |
| Average earning assets | $144,436,600 | 3,596 |
| Average equity | $20,286,400 | 3,125 |
| Average total loans | $90,113,600 | 3,689 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 2,887 |
| Cost of funding earning assets | 0.2758% | 5,922 |
| Net interest margin | 4.0496% | 1,789 |
| Noninterest income to average assets | 1.1299% | 1,145 |
| Noninterest expense to average assets | 3.3371% | 1,986 |
| Loan and lease loss provision to assets | 0.0762% | 3,533 |
| Net operating income to assets | 1.4475% | 988 |
| Return on assets (ROA) | 1.4475% | 1,046 |
| Pretax return on assets | 1.4475% | 1,773 |
| Return on Equity (ROE) | 11.2702% | 1,715 |
| Retained earnings to average equity (ytd only) | 4.3458% | 3,586 |
| Net charge-offs to loans | 0.0030% | 5,152 |
| Credit loss provision to net charge-offs | 4,500.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 898.3558% | 53 |
| Efficiency ratio | 68.6531% | 3,965 |
| Assets per employee ($millions) | 3.3770% | 5,111 |
| Cash dividends to net income (ytd only)* | 61.4396% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 4,418 |
| Loan loss allowance to noncurrent loans | 230.0990% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 2.1655% | 1,842 |
| Noncurrent loans to loans | 0.5630% | 4,800 |
| Net loans and leases to total assets | 56.9962% | 4,169 |
| Net loans and leases to deposits | 66.3084% | 4,266 |
| Net loans and leases to core deposits | 68.1620% | 4,513 |
| Total domestic deposits to total assets | 85.9561% | 3,280 |
| Equity capital to assets | 12.9617% | 1,346 |
| Core capital (leverage) ratio | 13.2182% | 1,123 |
| Tier 1 risk-based capital ratio | 17.6095% | 2,477 |
| Total risk-based capital ratio | 18.9360% | 2,410 |
| Memoranda: | ||
| Average total assets | $157,417,250 | 3,635 |
| Average earning assets | $145,032,500 | 3,624 |
| Average equity | $20,218,000 | 3,164 |
| Average total loans | $90,039,500 | 3,718 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 3,171 |
| Cost of funding earning assets | 0.2840% | 5,954 |
| Net interest margin | 3.9616% | 2,002 |
| Noninterest income to average assets | 1.1625% | 1,125 |
| Noninterest expense to average assets | 3.3344% | 1,983 |
| Loan and lease loss provision to assets | 0.0759% | 3,532 |
| Net operating income to assets | 1.4054% | 1,068 |
| Return on assets (ROA) | 1.4054% | 1,156 |
| Pretax return on assets | 1.4054% | 1,913 |
| Return on Equity (ROE) | 10.9752% | 1,815 |
| Retained earnings to average equity (ytd only) | 4.5541% | 3,371 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2409% | 3,971 |
| Assets per employee ($millions) | 3.4037% | 5,048 |
| Cash dividends to net income (ytd only)* | 58.5059% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 4,625 |
| Loan loss allowance to noncurrent loans | 310.6849% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 2.4590% | 1,726 |
| Noncurrent loans to loans | 0.4101% | 5,234 |
| Net loans and leases to total assets | 56.1155% | 4,267 |
| Net loans and leases to deposits | 65.2385% | 4,351 |
| Net loans and leases to core deposits | 67.0467% | 4,587 |
| Total domestic deposits to total assets | 86.0158% | 3,356 |
| Equity capital to assets | 12.9431% | 1,368 |
| Core capital (leverage) ratio | 12.9670% | 1,176 |
| Tier 1 risk-based capital ratio | 17.5660% | 2,489 |
| Total risk-based capital ratio | 18.8584% | 2,439 |
| Memoranda: | ||
| Average total assets | $158,109,000 | 3,649 |
| Average earning assets | $145,799,330 | 3,634 |
| Average equity | $20,245,670 | 3,184 |
| Average total loans | $90,152,330 | 3,721 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 3,161 |
| Cost of funding earning assets | 0.2974% | 5,984 |
| Net interest margin | 3.9400% | 1,977 |
| Noninterest income to average assets | 0.9315% | 1,654 |
| Noninterest expense to average assets | 3.3384% | 1,987 |
| Loan and lease loss provision to assets | 0.0755% | 3,367 |
| Net operating income to assets | 1.1531% | 1,659 |
| Return on assets (ROA) | 1.1531% | 1,766 |
| Pretax return on assets | 1.1531% | 2,752 |
| Return on Equity (ROE) | 9.0532% | 2,465 |
| Retained earnings to average equity (ytd only) | 4.1115% | 3,750 |
| Net charge-offs to loans | -0.0088% | 5,396 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0981% | 3,431 |
| Assets per employee ($millions) | 3.4869% | 5,009 |
| Cash dividends to net income (ytd only)* | 54.5852% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 5,101 |
| Loan loss allowance to noncurrent loans | 244.1501% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 2.9982% | 1,498 |
| Noncurrent loans to loans | 0.4989% | 5,179 |
| Net loans and leases to total assets | 55.9235% | 4,094 |
| Net loans and leases to deposits | 64.9343% | 4,195 |
| Net loans and leases to core deposits | 66.6872% | 4,447 |
| Total domestic deposits to total assets | 86.1231% | 3,462 |
| Equity capital to assets | 12.7123% | 1,582 |
| Core capital (leverage) ratio | 12.7242% | 1,234 |
| Tier 1 risk-based capital ratio | 16.8833% | 2,810 |
| Total risk-based capital ratio | 18.0911% | 2,803 |
| Memoranda: | ||
| Average total assets | $158,878,500 | 3,673 |
| Average earning assets | $146,600,000 | 3,650 |
| Average equity | $20,236,000 | 3,228 |
| Average total loans | $90,731,500 | 3,732 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 3,090 |
| Cost of funding earning assets | 0.3994% | 5,923 |
| Net interest margin | 4.1776% | 1,719 |
| Noninterest income to average assets | 1.0673% | 1,364 |
| Noninterest expense to average assets | 3.6497% | 1,505 |
| Loan and lease loss provision to assets | 0.0766% | 4,757 |
| Net operating income to assets | 1.1893% | 1,641 |
| Return on assets (ROA) | 1.1893% | 1,802 |
| Pretax return on assets | 1.1893% | 2,836 |
| Return on Equity (ROE) | 9.4425% | 2,428 |
| Retained earnings to average equity (ytd only) | 3.8642% | 3,475 |
| Net charge-offs to loans | 0.1236% | 4,441 |
| Credit loss provision to net charge-offs | 103.4483% | 2,897 |
| Earnings coverage of net charge-offs (x) | 17.0862% | 1,531 |
| Efficiency ratio | 74.2464% | 3,029 |
| Assets per employee ($millions) | 3.5764% | 4,839 |
| Cash dividends to net income (ytd only)* | 59.0763% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 5,187 |
| Loan loss allowance to noncurrent loans | 177.2277% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 3.2346% | 1,433 |
| Noncurrent loans to loans | 0.6684% | 4,860 |
| Net loans and leases to total assets | 56.9290% | 4,130 |
| Net loans and leases to deposits | 66.1307% | 4,264 |
| Net loans and leases to core deposits | 67.9521% | 4,535 |
| Total domestic deposits to total assets | 86.0855% | 3,311 |
| Equity capital to assets | 12.7617% | 1,563 |
| Core capital (leverage) ratio | 12.8861% | 1,159 |
| Tier 1 risk-based capital ratio | 16.9975% | 2,655 |
| Total risk-based capital ratio | 18.0996% | 2,690 |
| Memoranda: | ||
| Average total assets | $156,560,000 | 3,675 |
| Average earning assets | $144,220,600 | 3,659 |
| Average equity | $19,719,400 | 3,229 |
| Average total loans | $93,816,800 | 3,656 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 2,995 |
| Cost of funding earning assets | 0.4211% | 5,979 |
| Net interest margin | 4.2328% | 1,635 |
| Noninterest income to average assets | 1.0326% | 1,419 |
| Noninterest expense to average assets | 3.4757% | 1,817 |
| Loan and lease loss provision to assets | 0.0767% | 4,679 |
| Net operating income to assets | 1.3805% | 1,265 |
| Return on assets (ROA) | 1.3805% | 1,398 |
| Pretax return on assets | 1.3805% | 2,299 |
| Return on Equity (ROE) | 10.9972% | 1,965 |
| Retained earnings to average equity (ytd only) | 6.2424% | 2,529 |
| Net charge-offs to loans | 0.0437% | 5,042 |
| Credit loss provision to net charge-offs | 290.3226% | 932 |
| Earnings coverage of net charge-offs (x) | 55.1321% | 698 |
| Efficiency ratio | 70.4581% | 3,602 |
| Assets per employee ($millions) | 3.3313% | 5,361 |
| Cash dividends to net income (ytd only)* | 43.2366% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 5,332 |
| Loan loss allowance to noncurrent loans | 172.8943% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 2.6160% | 2,016 |
| Noncurrent loans to loans | 0.6877% | 5,065 |
| Net loans and leases to total assets | 59.9241% | 3,799 |
| Net loans and leases to deposits | 69.7413% | 3,927 |
| Net loans and leases to core deposits | 71.6763% | 4,295 |
| Total domestic deposits to total assets | 85.9235% | 3,299 |
| Equity capital to assets | 12.9358% | 1,625 |
| Core capital (leverage) ratio | 12.9756% | 1,200 |
| Tier 1 risk-based capital ratio | 16.4166% | 3,050 |
| Total risk-based capital ratio | 17.3269% | 3,195 |
| Memoranda: | ||
| Average total assets | $156,359,750 | 3,715 |
| Average earning assets | $144,076,750 | 3,688 |
| Average equity | $19,628,750 | 3,275 |
| Average total loans | $94,606,500 | 3,690 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 2,938 |
| Cost of funding earning assets | 0.4447% | 5,998 |
| Net interest margin | 4.2498% | 1,602 |
| Noninterest income to average assets | 1.0340% | 1,366 |
| Noninterest expense to average assets | 3.4897% | 1,807 |
| Loan and lease loss provision to assets | 0.0768% | 4,656 |
| Net operating income to assets | 1.3808% | 1,231 |
| Return on assets (ROA) | 1.3808% | 1,381 |
| Pretax return on assets | 1.3808% | 2,283 |
| Return on Equity (ROE) | 11.1121% | 1,952 |
| Retained earnings to average equity (ytd only) | 6.9927% | 2,107 |
| Net charge-offs to loans | 0.0571% | 4,615 |
| Credit loss provision to net charge-offs | 222.2222% | 1,278 |
| Earnings coverage of net charge-offs (x) | 42.1852% | 839 |
| Efficiency ratio | 70.5380% | 3,678 |
| Assets per employee ($millions) | 3.5612% | 4,840 |
| Cash dividends to net income (ytd only)* | 37.0714% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 5,513 |
| Loan loss allowance to noncurrent loans | 206.9418% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 2.6453% | 2,095 |
| Noncurrent loans to loans | 0.5621% | 5,385 |
| Net loans and leases to total assets | 59.8107% | 3,864 |
| Net loans and leases to deposits | 69.9252% | 3,905 |
| Net loans and leases to core deposits | 71.8746% | 4,311 |
| Total domestic deposits to total assets | 85.5352% | 3,586 |
| Equity capital to assets | 12.7180% | 1,672 |
| Core capital (leverage) ratio | 12.8112% | 1,214 |
| Tier 1 risk-based capital ratio | 16.2643% | 3,023 |
| Total risk-based capital ratio | 17.1558% | 3,180 |
| Memoranda: | ||
| Average total assets | $156,288,670 | 3,734 |
| Average earning assets | $143,912,330 | 3,720 |
| Average equity | $19,420,330 | 3,295 |
| Average total loans | $94,490,670 | 3,706 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 3,064 |
| Cost of funding earning assets | 0.4651% | 6,053 |
| Net interest margin | 4.2330% | 1,661 |
| Noninterest income to average assets | 1.0174% | 1,379 |
| Noninterest expense to average assets | 3.3033% | 2,273 |
| Loan and lease loss provision to assets | 0.0769% | 4,434 |
| Net operating income to assets | 1.5325% | 970 |
| Return on assets (ROA) | 1.5325% | 1,089 |
| Pretax return on assets | 1.5325% | 1,791 |
| Return on Equity (ROE) | 12.4801% | 1,533 |
| Retained earnings to average equity (ytd only) | 12.4801% | 750 |
| Net charge-offs to loans | 0.0466% | 4,051 |
| Credit loss provision to net charge-offs | 272.7273% | 1,067 |
| Earnings coverage of net charge-offs (x) | 57.0909% | 570 |
| Efficiency ratio | 67.2405% | 4,314 |
| Assets per employee ($millions) | 3.5840% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 5,713 |
| Loan loss allowance to noncurrent loans | 177.6509% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 3.6412% | 1,559 |
| Noncurrent loans to loans | 0.6472% | 5,348 |
| Net loans and leases to total assets | 59.3712% | 3,798 |
| Net loans and leases to deposits | 69.2239% | 3,839 |
| Net loans and leases to core deposits | 70.9772% | 4,292 |
| Total domestic deposits to total assets | 85.7669% | 3,654 |
| Equity capital to assets | 12.4290% | 1,771 |
| Core capital (leverage) ratio | 12.7893% | 1,211 |
| Tier 1 risk-based capital ratio | 15.5457% | 3,420 |
| Total risk-based capital ratio | 16.3905% | 3,624 |
| Memoranda: | ||
| Average total assets | $156,087,500 | 3,760 |
| Average earning assets | $143,632,000 | 3,754 |
| Average equity | $19,166,500 | 3,330 |
| Average total loans | $94,325,500 | 3,728 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 3,068 |
| Cost of funding earning assets | 0.6259% | 5,953 |
| Net interest margin | 4.3347% | 1,590 |
| Noninterest income to average assets | 0.9314% | 1,564 |
| Noninterest expense to average assets | 3.6908% | 1,553 |
| Loan and lease loss provision to assets | 0.1028% | 5,301 |
| Net operating income to assets | 1.1042% | 1,811 |
| Return on assets (ROA) | 0.8181% | 3,127 |
| Pretax return on assets | 0.8181% | 3,918 |
| Return on Equity (ROE) | 6.8545% | 3,464 |
| Retained earnings to average equity (ytd only) | 3.5643% | 3,696 |
| Net charge-offs to loans | 0.0176% | 6,193 |
| Credit loss provision to net charge-offs | 923.5294% | 247 |
| Earnings coverage of net charge-offs (x) | 108.4706% | 293 |
| Efficiency ratio | 75.3575% | 2,999 |
| Assets per employee ($millions) | 3.5925% | 4,786 |
| Cash dividends to net income (ytd only)* | 48.0000% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 5,670 |
| Loan loss allowance to noncurrent loans | 116.4309% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 3.8465% | 1,497 |
| Noncurrent loans to loans | 0.9783% | 4,750 |
| Net loans and leases to total assets | 60.1156% | 3,970 |
| Net loans and leases to deposits | 69.8351% | 4,132 |
| Net loans and leases to core deposits | 71.6349% | 4,577 |
| Total domestic deposits to total assets | 86.0823% | 3,272 |
| Equity capital to assets | 12.1266% | 2,029 |
| Core capital (leverage) ratio | 12.7310% | 1,249 |
| Tier 1 risk-based capital ratio | 15.3340% | 3,431 |
| Total risk-based capital ratio | 16.1784% | 3,647 |
| Memoranda: | ||
| Average total assets | $152,784,600 | 3,756 |
| Average earning assets | $139,803,200 | 3,750 |
| Average equity | $18,236,200 | 3,397 |
| Average total loans | $96,735,400 | 3,707 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0097% | 3,037 |
| Cost of funding earning assets | 0.6400% | 6,094 |
| Net interest margin | 4.3697% | 1,494 |
| Noninterest income to average assets | 0.9337% | 1,537 |
| Noninterest expense to average assets | 3.5888% | 1,732 |
| Loan and lease loss provision to assets | 0.1111% | 5,042 |
| Net operating income to assets | 1.2313% | 1,570 |
| Return on assets (ROA) | 0.7885% | 3,386 |
| Pretax return on assets | 0.7885% | 4,177 |
| Return on Equity (ROE) | 6.6326% | 3,696 |
| Retained earnings to average equity (ytd only) | 3.6881% | 4,120 |
| Net charge-offs to loans | 0.0110% | 6,000 |
| Credit loss provision to net charge-offs | 1,587.5000% | 173 |
| Earnings coverage of net charge-offs (x) | 191.6851% | 200 |
| Efficiency ratio | 72.7773% | 3,405 |
| Assets per employee ($millions) | 3.5469% | 4,884 |
| Cash dividends to net income (ytd only)* | 44.3952% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 5,848 |
| Loan loss allowance to noncurrent loans | 139.4947% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 4.8119% | 1,212 |
| Noncurrent loans to loans | 0.7958% | 5,281 |
| Net loans and leases to total assets | 61.2686% | 3,890 |
| Net loans and leases to deposits | 71.1523% | 4,113 |
| Net loans and leases to core deposits | 73.0073% | 4,583 |
| Total domestic deposits to total assets | 86.1091% | 3,164 |
| Equity capital to assets | 12.0872% | 2,182 |
| Core capital (leverage) ratio | 12.6678% | 1,363 |
| Tier 1 risk-based capital ratio | 15.4313% | 3,423 |
| Total risk-based capital ratio | 16.3874% | 3,554 |
| Memoranda: | ||
| Average total assets | $152,361,000 | 3,786 |
| Average earning assets | $139,379,500 | 3,778 |
| Average equity | $18,112,000 | 3,414 |
| Average total loans | $97,435,250 | 3,713 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 2,926 |
| Cost of funding earning assets | 0.6652% | 6,145 |
| Net interest margin | 4.3849% | 1,419 |
| Noninterest income to average assets | 0.9468% | 1,478 |
| Noninterest expense to average assets | 3.7122% | 1,509 |
| Loan and lease loss provision to assets | 0.1274% | 4,697 |
| Net operating income to assets | 1.1148% | 1,830 |
| Return on assets (ROA) | 0.6618% | 3,856 |
| Pretax return on assets | 0.6618% | 4,524 |
| Return on Equity (ROE) | 5.5987% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.5987% | 2,641 |
| Net charge-offs to loans | 0.0224% | 5,526 |
| Credit loss provision to net charge-offs | 881.8182% | 367 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 406 |
| Efficiency ratio | 74.9271% | 3,194 |
| Assets per employee ($millions) | 3.6088% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 6,121 |
| Loan loss allowance to noncurrent loans | 157.7640% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 4.8598% | 1,268 |
| Noncurrent loans to loans | 0.6685% | 5,570 |
| Net loans and leases to total assets | 62.8875% | 3,701 |
| Net loans and leases to deposits | 73.0697% | 3,940 |
| Net loans and leases to core deposits | 74.8044% | 4,467 |
| Total domestic deposits to total assets | 86.0651% | 3,292 |
| Equity capital to assets | 12.1535% | 1,996 |
| Core capital (leverage) ratio | 12.5759% | 1,324 |
| Tier 1 risk-based capital ratio | 15.2046% | 3,394 |
| Total risk-based capital ratio | 16.2089% | 3,485 |
| Memoranda: | ||
| Average total assets | $152,309,000 | 3,812 |
| Average earning assets | $139,204,670 | 3,801 |
| Average equity | $18,004,330 | 3,415 |
| Average total loans | $98,415,670 | 3,732 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0338% | 2,933 |
| Cost of funding earning assets | 0.6995% | 6,144 |
| Net interest margin | 4.3343% | 1,456 |
| Noninterest income to average assets | 0.9327% | 1,540 |
| Noninterest expense to average assets | 3.6128% | 1,742 |
| Loan and lease loss provision to assets | 0.2279% | 3,379 |
| Net operating income to assets | 1.0532% | 1,990 |
| Return on assets (ROA) | 0.1493% | 6,007 |
| Pretax return on assets | 0.1493% | 6,059 |
| Return on Equity (ROE) | 1.2812% | 6,056 |
| Retained earnings to average equity (ytd only) | 1.2812% | 5,317 |
| Net charge-offs to loans | 0.0483% | 4,460 |
| Credit loss provision to net charge-offs | 725.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 40.7500% | 675 |
| Efficiency ratio | 73.8223% | 3,544 |
| Assets per employee ($millions) | 3.2738% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 6,297 |
| Loan loss allowance to noncurrent loans | 130.8594% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 4.8229% | 1,320 |
| Noncurrent loans to loans | 0.7843% | 5,468 |
| Net loans and leases to total assets | 62.9899% | 3,665 |
| Net loans and leases to deposits | 72.7053% | 3,962 |
| Net loans and leases to core deposits | 74.3923% | 4,495 |
| Total domestic deposits to total assets | 86.6373% | 3,160 |
| Equity capital to assets | 11.5897% | 2,200 |
| Core capital (leverage) ratio | 12.2678% | 1,422 |
| Tier 1 risk-based capital ratio | 14.9649% | 3,446 |
| Total risk-based capital ratio | 15.7624% | 3,693 |
| Memoranda: | ||
| Average total assets | $152,679,000 | 3,834 |
| Average earning assets | $139,538,000 | 3,831 |
| Average equity | $17,796,000 | 3,432 |
| Average total loans | $99,456,500 | 3,737 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1992% | 3,614 |
| Cost of funding earning assets | 0.9807% | 5,776 |
| Net interest margin | 4.2184% | 2,108 |
| Noninterest income to average assets | 0.9308% | 1,739 |
| Noninterest expense to average assets | 3.5594% | 2,036 |
| Loan and lease loss provision to assets | 0.1843% | 5,389 |
| Net operating income to assets | 1.0052% | 2,025 |
| Return on assets (ROA) | 0.2878% | 5,137 |
| Pretax return on assets | 0.2878% | 5,263 |
| Return on Equity (ROE) | 2.5248% | 5,168 |
| Retained earnings to average equity (ytd only) | 1.4101% | 4,826 |
| Net charge-offs to loans | 0.3321% | 4,348 |
| Credit loss provision to net charge-offs | 85.0440% | 5,343 |
| Earnings coverage of net charge-offs (x) | 5.4897% | 2,609 |
| Efficiency ratio | 74.9532% | 3,213 |
| Assets per employee ($millions) | 3.2232% | 5,621 |
| Cash dividends to net income (ytd only)* | 44.1501% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 6,662 |
| Loan loss allowance to noncurrent loans | 233.6683% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 4.9244% | 1,305 |
| Noncurrent loans to loans | 0.3941% | 6,259 |
| Net loans and leases to total assets | 66.0484% | 3,460 |
| Net loans and leases to deposits | 76.9952% | 3,683 |
| Net loans and leases to core deposits | 79.0157% | 4,342 |
| Total domestic deposits to total assets | 85.7825% | 3,459 |
| Equity capital to assets | 11.7230% | 2,104 |
| Core capital (leverage) ratio | 12.1557% | 1,456 |
| Tier 1 risk-based capital ratio | 14.1323% | 3,782 |
| Total risk-based capital ratio | 14.8313% | 4,114 |
| Memoranda: | ||
| Average total assets | $157,387,600 | 3,750 |
| Average earning assets | $142,446,200 | 3,769 |
| Average equity | $17,941,800 | 3,432 |
| Average total loans | $102,684,000 | 3,723 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1876% | 3,894 |
| Cost of funding earning assets | 1.0223% | 5,836 |
| Net interest margin | 4.1653% | 2,349 |
| Noninterest income to average assets | 0.9358% | 1,663 |
| Noninterest expense to average assets | 3.9958% | 1,049 |
| Loan and lease loss provision to assets | 0.1595% | 5,446 |
| Net operating income to assets | 0.5455% | 4,109 |
| Return on assets (ROA) | 0.5455% | 4,277 |
| Pretax return on assets | 0.5455% | 4,772 |
| Return on Equity (ROE) | 4.8181% | 4,391 |
| Retained earnings to average equity (ytd only) | 3.3356% | 4,103 |
| Net charge-offs to loans | 0.3789% | 3,782 |
| Credit loss provision to net charge-offs | 64.8464% | 5,567 |
| Earnings coverage of net charge-offs (x) | 2.8669% | 3,697 |
| Efficiency ratio | 85.0027% | 1,729 |
| Assets per employee ($millions) | 3.1191% | 5,877 |
| Cash dividends to net income (ytd only)* | 30.7691% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 6,841 |
| Loan loss allowance to noncurrent loans | 171.1501% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 4.0841% | 1,700 |
| Noncurrent loans to loans | 0.5074% | 6,184 |
| Net loans and leases to total assets | 65.5759% | 3,782 |
| Net loans and leases to deposits | 76.5669% | 4,079 |
| Net loans and leases to core deposits | 78.2509% | 4,776 |
| Total domestic deposits to total assets | 85.6453% | 3,269 |
| Equity capital to assets | 11.8062% | 2,278 |
| Core capital (leverage) ratio | 12.1284% | 1,600 |
| Tier 1 risk-based capital ratio | 13.7266% | 4,036 |
| Total risk-based capital ratio | 14.3610% | 4,465 |
| Memoranda: | ||
| Average total assets | $158,862,250 | 3,779 |
| Average earning assets | $143,595,250 | 3,804 |
| Average equity | $17,987,500 | 3,473 |
| Average total loans | $103,108,500 | 3,762 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1554% | 4,164 |
| Cost of funding earning assets | 1.0808% | 5,781 |
| Net interest margin | 4.0746% | 2,682 |
| Noninterest income to average assets | 0.9138% | 1,644 |
| Noninterest expense to average assets | 3.9883% | 1,062 |
| Loan and lease loss provision to assets | 0.0746% | 6,199 |
| Net operating income to assets | 0.5396% | 4,145 |
| Return on assets (ROA) | 0.5396% | 4,293 |
| Pretax return on assets | 0.5396% | 4,782 |
| Return on Equity (ROE) | 4.8306% | 4,368 |
| Retained earnings to average equity (ytd only) | 2.6045% | 4,482 |
| Net charge-offs to loans | 0.0347% | 5,868 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 27.4444% | 978 |
| Efficiency ratio | 72.7445% | 3,702 |
| Assets per employee ($millions) | 3.2996% | 5,431 |
| Cash dividends to net income (ytd only)* | 46.0829% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,398 |
| Loan loss allowance to noncurrent loans | 94.5471% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 4.5107% | 1,474 |
| Noncurrent loans to loans | 1.0583% | 5,201 |
| Net loans and leases to total assets | 62.6023% | 4,557 |
| Net loans and leases to deposits | 72.3302% | 4,939 |
| Net loans and leases to core deposits | 74.0831% | 5,433 |
| Total domestic deposits to total assets | 86.5507% | 2,792 |
| Equity capital to assets | 11.0588% | 2,799 |
| Core capital (leverage) ratio | 11.5528% | 1,881 |
| Tier 1 risk-based capital ratio | 13.2079% | 4,283 |
| Total risk-based capital ratio | 13.9273% | 4,685 |
| Memoranda: | ||
| Average total assets | $160,871,330 | 3,772 |
| Average earning assets | $145,634,000 | 3,784 |
| Average equity | $17,968,670 | 3,472 |
| Average total loans | $103,777,670 | 3,773 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2610% | 3,725 |
| Cost of funding earning assets | 1.1218% | 5,792 |
| Net interest margin | 4.1392% | 2,274 |
| Noninterest income to average assets | 0.9423% | 1,477 |
| Noninterest expense to average assets | 3.9784% | 1,062 |
| Loan and lease loss provision to assets | 0.0748% | 5,892 |
| Net operating income to assets | 0.6232% | 3,786 |
| Return on assets (ROA) | 0.6232% | 3,922 |
| Pretax return on assets | 0.6232% | 4,513 |
| Return on Equity (ROE) | 5.5515% | 4,084 |
| Retained earnings to average equity (ytd only) | 1.1103% | 5,373 |
| Net charge-offs to loans | 0.0268% | 5,197 |
| Credit loss provision to net charge-offs | 428.5714% | 966 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 685 |
| Efficiency ratio | 85.0746% | 1,900 |
| Assets per employee ($millions) | 3.3109% | 5,517 |
| Cash dividends to net income (ytd only)* | 80.0000% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 6,609 |
| Loan loss allowance to noncurrent loans | 127.8981% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 4.0281% | 1,701 |
| Noncurrent loans to loans | 0.7575% | 5,809 |
| Net loans and leases to total assets | 63.2592% | 4,477 |
| Net loans and leases to deposits | 73.0402% | 4,897 |
| Net loans and leases to core deposits | 74.8001% | 5,411 |
| Total domestic deposits to total assets | 86.6088% | 2,838 |
| Equity capital to assets | 11.0408% | 2,721 |
| Core capital (leverage) ratio | 11.5690% | 1,872 |
| Tier 1 risk-based capital ratio | 12.7958% | 4,484 |
| Total risk-based capital ratio | 13.4865% | 4,933 |
| Memoranda: | ||
| Average total assets | $160,466,500 | 3,839 |
| Average earning assets | $144,762,000 | 3,858 |
| Average equity | $18,013,000 | 3,478 |
| Average total loans | $104,547,000 | 3,811 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6154% | 3,526 |
| Cost of funding earning assets | 1.4389% | 5,769 |
| Net interest margin | 4.1765% | 2,149 |
| Noninterest income to average assets | 0.9184% | 1,876 |
| Noninterest expense to average assets | 3.4158% | 2,620 |
| Loan and lease loss provision to assets | 0.1339% | 6,298 |
| Net operating income to assets | 1.1856% | 1,283 |
| Return on assets (ROA) | 1.1856% | 1,330 |
| Pretax return on assets | 1.1856% | 1,995 |
| Return on Equity (ROE) | 10.5462% | 1,538 |
| Retained earnings to average equity (ytd only) | 4.3058% | 2,211 |
| Net charge-offs to loans | 0.1899% | 5,465 |
| Credit loss provision to net charge-offs | 106.0606% | 5,223 |
| Earnings coverage of net charge-offs (x) | 10.4495% | 1,688 |
| Efficiency ratio | 72.1347% | 4,242 |
| Assets per employee ($millions) | 3.2388% | 5,628 |
| Cash dividends to net income (ytd only)* | 59.1716% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 6,709 |
| Loan loss allowance to noncurrent loans | 75.2111% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 3.3749% | 2,015 |
| Noncurrent loans to loans | 1.2355% | 4,885 |
| Net loans and leases to total assets | 65.8366% | 4,194 |
| Net loans and leases to deposits | 76.9546% | 4,577 |
| Net loans and leases to core deposits | 94.8328% | 4,582 |
| Total domestic deposits to total assets | 85.5525% | 3,257 |
| Equity capital to assets | 11.4141% | 2,381 |
| Core capital (leverage) ratio | 12.0382% | 1,651 |
| Tier 1 risk-based capital ratio | 12.8295% | 4,264 |
| Total risk-based capital ratio | 13.4979% | 4,685 |
| Memoranda: | ||
| Average total assets | $156,800,200 | 3,839 |
| Average earning assets | $143,302,000 | 3,830 |
| Average equity | $17,627,200 | 3,563 |
| Average total loans | $104,264,400 | 3,827 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5064% | 4,387 |
| Cost of funding earning assets | 1.4962% | 5,837 |
| Net interest margin | 4.0102% | 2,766 |
| Noninterest income to average assets | 1.1318% | 1,227 |
| Noninterest expense to average assets | 3.3553% | 2,706 |
| Loan and lease loss provision to assets | 0.1194% | 6,173 |
| Net operating income to assets | 1.3305% | 1,154 |
| Return on assets (ROA) | 1.3331% | 1,211 |
| Pretax return on assets | 1.3331% | 1,866 |
| Return on Equity (ROE) | 11.9045% | 1,378 |
| Retained earnings to average equity (ytd only) | 5.0497% | 2,459 |
| Net charge-offs to loans | 0.1424% | 5,274 |
| Credit loss provision to net charge-offs | 126.1261% | 3,988 |
| Earnings coverage of net charge-offs (x) | 15.3149% | 1,542 |
| Efficiency ratio | 69.8261% | 4,625 |
| Assets per employee ($millions) | 3.2091% | 5,628 |
| Cash dividends to net income (ytd only)* | 57.5815% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 6,523 |
| Loan loss allowance to noncurrent loans | 67.4324% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 5,150 |
| Noncurrent loans to loans | 1.4135% | 4,553 |
| Net loans and leases to total assets | 65.9533% | 4,441 |
| Net loans and leases to deposits | 77.3584% | 4,839 |
| Net loans and leases to core deposits | 95.1939% | 4,911 |
| Total domestic deposits to total assets | 85.2569% | 3,095 |
| Equity capital to assets | 11.5799% | 2,524 |
| Core capital (leverage) ratio | 11.7591% | 1,929 |
| Tier 1 risk-based capital ratio | 13.1513% | 4,084 |
| Total risk-based capital ratio | 13.8526% | 4,421 |
| Memoranda: | ||
| Average total assets | $156,325,500 | 3,868 |
| Average earning assets | $143,199,000 | 3,858 |
| Average equity | $17,505,500 | 3,612 |
| Average total loans | $103,965,000 | 3,881 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7850% | 3,123 |
| Cost of funding earning assets | 1.5859% | 5,788 |
| Net interest margin | 4.1991% | 2,005 |
| Noninterest income to average assets | 1.2114% | 1,062 |
| Noninterest expense to average assets | 3.5073% | 2,319 |
| Loan and lease loss provision to assets | 0.0769% | 6,420 |
| Net operating income to assets | 1.4626% | 914 |
| Return on assets (ROA) | 1.4652% | 969 |
| Pretax return on assets | 1.4652% | 1,544 |
| Return on Equity (ROE) | 13.2361% | 1,136 |
| Retained earnings to average equity (ytd only) | 5.1300% | 2,438 |
| Net charge-offs to loans | 0.0540% | 5,735 |
| Credit loss provision to net charge-offs | 214.2857% | 2,147 |
| Earnings coverage of net charge-offs (x) | 42.8929% | 771 |
| Efficiency ratio | 69.4945% | 4,880 |
| Assets per employee ($millions) | 3.1703% | 5,662 |
| Cash dividends to net income (ytd only)* | 61.2423% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 6,588 |
| Loan loss allowance to noncurrent loans | 109.0414% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6173% | 5,877 |
| Noncurrent loans to loans | 0.8646% | 5,487 |
| Net loans and leases to total assets | 67.7056% | 4,204 |
| Net loans and leases to deposits | 79.3168% | 4,653 |
| Net loans and leases to core deposits | 99.0022% | 4,599 |
| Total domestic deposits to total assets | 85.3611% | 3,084 |
| Equity capital to assets | 11.1989% | 2,752 |
| Core capital (leverage) ratio | 11.6116% | 2,031 |
| Tier 1 risk-based capital ratio | 12.1751% | 4,778 |
| Total risk-based capital ratio | 12.8340% | 5,232 |
| Memoranda: | ||
| Average total assets | $156,018,670 | 3,900 |
| Average earning assets | $142,505,670 | 3,891 |
| Average equity | $17,271,000 | 3,669 |
| Average total loans | $103,717,670 | 3,920 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8321% | 3,128 |
| Cost of funding earning assets | 1.6208% | 5,941 |
| Net interest margin | 4.2113% | 1,856 |
| Noninterest income to average assets | 1.5708% | 560 |
| Noninterest expense to average assets | 3.3795% | 2,419 |
| Loan and lease loss provision to assets | 0.0767% | 5,996 |
| Net operating income to assets | 1.9366% | 391 |
| Return on assets (ROA) | 1.9392% | 445 |
| Pretax return on assets | 1.9392% | 744 |
| Return on Equity (ROE) | 17.6197% | 622 |
| Retained earnings to average equity (ytd only) | 8.3217% | 1,697 |
| Net charge-offs to loans | 0.0078% | 5,556 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 393.5000% | 86 |
| Efficiency ratio | 62.6660% | 5,940 |
| Assets per employee ($millions) | 3.2595% | 5,423 |
| Cash dividends to net income (ytd only)* | 52.7704% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 6,404 |
| Loan loss allowance to noncurrent loans | 191.7308% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 6,461 |
| Noncurrent loans to loans | 0.5029% | 6,169 |
| Net loans and leases to total assets | 64.1127% | 4,965 |
| Net loans and leases to deposits | 75.3130% | 5,309 |
| Net loans and leases to core deposits | 93.9491% | 5,154 |
| Total domestic deposits to total assets | 85.1284% | 3,142 |
| Equity capital to assets | 10.8713% | 3,106 |
| Core capital (leverage) ratio | 11.6659% | 2,060 |
| Tier 1 risk-based capital ratio | 10.5782% | 6,310 |
| Total risk-based capital ratio | 11.3941% | 6,675 |
| Memoranda: | ||
| Average total assets | $156,355,000 | 3,894 |
| Average earning assets | $141,904,500 | 3,916 |
| Average equity | $17,208,000 | 3,694 |
| Average total loans | $102,487,000 | 3,966 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6997% | 2,025 |
| Cost of funding earning assets | 2.1769% | 5,695 |
| Net interest margin | 4.5228% | 1,369 |
| Noninterest income to average assets | 0.9532% | 1,754 |
| Noninterest expense to average assets | 3.6847% | 1,978 |
| Loan and lease loss provision to assets | 0.0722% | 6,493 |
| Net operating income to assets | 1.3615% | 1,321 |
| Return on assets (ROA) | 1.3661% | 1,263 |
| Pretax return on assets | 1.3661% | 2,070 |
| Return on Equity (ROE) | 11.9822% | 1,601 |
| Retained earnings to average equity (ytd only) | 4.4969% | 2,331 |
| Net charge-offs to loans | 0.0822% | 5,592 |
| Credit loss provision to net charge-offs | 135.8025% | 3,924 |
| Earnings coverage of net charge-offs (x) | 26.9630% | 1,261 |
| Efficiency ratio | 71.9892% | 3,939 |
| Assets per employee ($millions) | 3.1224% | 5,707 |
| Cash dividends to net income (ytd only)* | 62.4700% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 6,383 |
| Loan loss allowance to noncurrent loans | 259.0909% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 6,491 |
| Noncurrent loans to loans | 0.3682% | 6,264 |
| Net loans and leases to total assets | 65.7605% | 4,903 |
| Net loans and leases to deposits | 77.8289% | 5,366 |
| Net loans and leases to core deposits | 97.8145% | 5,057 |
| Total domestic deposits to total assets | 84.4937% | 3,083 |
| Equity capital to assets | 11.1460% | 2,930 |
| Core capital (leverage) ratio | 11.7604% | 2,094 |
| Tier 1 risk-based capital ratio | 11.1119% | 5,632 |
| Total risk-based capital ratio | 12.0013% | 5,863 |
| Memoranda: | ||
| Average total assets | $152,331,200 | 3,861 |
| Average earning assets | $140,290,200 | 3,843 |
| Average equity | $17,367,400 | 3,671 |
| Average total loans | $98,525,200 | 3,991 |