Home > The Bank of Fayetteville > Performance and Condition Ratios
The Bank of Fayetteville, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 3,817 |
| Cost of funding earning assets | 0.1838% | 5,516 |
| Net interest margin | 3.6951% | 2,792 |
| Noninterest income to average assets | 0.8004% | 1,802 |
| Noninterest expense to average assets | 3.7044% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3270% | 5,379 |
| Return on assets (ROA) | 0.3270% | 5,460 |
| Pretax return on assets | 0.4933% | 5,233 |
| Return on Equity (ROE) | 2.8097% | 5,451 |
| Retained earnings to average equity (ytd only) | -0.7016% | 5,717 |
| Net charge-offs to loans | -0.0172% | 5,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2487% | 821 |
| Assets per employee ($millions) | 3.1930% | 5,300 |
| Cash dividends to net income (ytd only)* | 124.9702% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 3,600 |
| Loan loss allowance to noncurrent loans | 164.3931% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4404% | 1,582 |
| Noncurrent loans to loans | 0.7355% | 3,128 |
| Net loans and leases to total assets | 67.3888% | 2,792 |
| Net loans and leases to deposits | 77.2418% | 3,173 |
| Net loans and leases to core deposits | 78.5706% | 3,554 |
| Total domestic deposits to total assets | 87.2440% | 1,924 |
| Equity capital to assets | 11.7413% | 2,315 |
| Core capital (leverage) ratio | 10.4632% | 3,083 |
| Tier 1 risk-based capital ratio | 14.1298% | 3,780 |
| Total risk-based capital ratio | 15.2404% | 3,796 |
| Memoranda: | ||
| Average total assets | $349,483,750 | 1,886 |
| Average earning assets | $321,321,750 | 1,896 |
| Average equity | $40,667,750 | 1,789 |
| Average total loans | $232,838,250 | 1,859 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9086% | 3,650 |
| Cost of funding earning assets | 0.1857% | 5,567 |
| Net interest margin | 3.7229% | 2,615 |
| Noninterest income to average assets | 0.7817% | 1,860 |
| Noninterest expense to average assets | 3.0539% | 2,390 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7213% | 3,784 |
| Return on assets (ROA) | 0.7213% | 3,902 |
| Pretax return on assets | 1.1537% | 2,957 |
| Return on Equity (ROE) | 6.2170% | 4,031 |
| Retained earnings to average equity (ytd only) | 1.6696% | 4,860 |
| Net charge-offs to loans | -0.0043% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5796% | 2,914 |
| Assets per employee ($millions) | 3.2325% | 5,294 |
| Cash dividends to net income (ytd only)* | 73.1438% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 3,824 |
| Loan loss allowance to noncurrent loans | 595.9831% | 877 |
| Noncurrent assets plus other real estate owned to assets | 1.0783% | 2,355 |
| Noncurrent loans to loans | 0.2005% | 4,970 |
| Net loans and leases to total assets | 64.9625% | 3,130 |
| Net loans and leases to deposits | 74.1881% | 3,472 |
| Net loans and leases to core deposits | 75.4755% | 3,813 |
| Total domestic deposits to total assets | 87.5645% | 1,871 |
| Equity capital to assets | 11.3622% | 2,521 |
| Core capital (leverage) ratio | 10.7092% | 2,722 |
| Tier 1 risk-based capital ratio | 14.1399% | 3,848 |
| Total risk-based capital ratio | 15.2249% | 3,881 |
| Memoranda: | ||
| Average total assets | $351,031,000 | 1,885 |
| Average earning assets | $323,029,670 | 1,900 |
| Average equity | $40,727,330 | 1,795 |
| Average total loans | $232,041,330 | 1,864 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8305% | 3,890 |
| Cost of funding earning assets | 0.1947% | 5,558 |
| Net interest margin | 3.6358% | 2,873 |
| Noninterest income to average assets | 0.7789% | 1,791 |
| Noninterest expense to average assets | 2.9786% | 2,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7109% | 3,743 |
| Return on assets (ROA) | 0.7109% | 3,870 |
| Pretax return on assets | 1.1350% | 2,927 |
| Return on Equity (ROE) | 6.0628% | 4,000 |
| Retained earnings to average equity (ytd only) | -0.1572% | 5,408 |
| Net charge-offs to loans | 0.0209% | 2,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 82.0833% | 583 |
| Efficiency ratio | 72.4090% | 3,104 |
| Assets per employee ($millions) | 3.2858% | 5,261 |
| Cash dividends to net income (ytd only)* | 102.5932% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 4,074 |
| Loan loss allowance to noncurrent loans | 309.6133% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 1.5654% | 1,649 |
| Noncurrent loans to loans | 0.3816% | 4,451 |
| Net loans and leases to total assets | 67.2855% | 2,562 |
| Net loans and leases to deposits | 77.1076% | 2,932 |
| Net loans and leases to core deposits | 78.4905% | 3,329 |
| Total domestic deposits to total assets | 87.2618% | 2,232 |
| Equity capital to assets | 11.7287% | 2,261 |
| Core capital (leverage) ratio | 10.7180% | 2,729 |
| Tier 1 risk-based capital ratio | 13.6950% | 4,226 |
| Total risk-based capital ratio | 14.7497% | 4,240 |
| Memoranda: | ||
| Average total assets | $347,144,500 | 1,911 |
| Average earning assets | $318,388,500 | 1,934 |
| Average equity | $40,707,000 | 1,804 |
| Average total loans | $230,108,500 | 1,871 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 3,660 |
| Cost of funding earning assets | 0.2937% | 4,854 |
| Net interest margin | 3.7244% | 2,905 |
| Noninterest income to average assets | 0.8200% | 1,792 |
| Noninterest expense to average assets | 3.1641% | 2,314 |
| Loan and lease loss provision to assets | 0.0295% | 4,017 |
| Net operating income to assets | 0.6346% | 4,212 |
| Return on assets (ROA) | 0.7380% | 3,797 |
| Pretax return on assets | 1.1772% | 2,749 |
| Return on Equity (ROE) | 6.0268% | 4,132 |
| Retained earnings to average equity (ytd only) | -5.0994% | 6,182 |
| Net charge-offs to loans | 0.1451% | 2,587 |
| Credit loss provision to net charge-offs | 31.4465% | 3,815 |
| Earnings coverage of net charge-offs (x) | 11.1415% | 2,537 |
| Efficiency ratio | 75.1717% | 2,642 |
| Assets per employee ($millions) | 3.0087% | 5,684 |
| Cash dividends to net income (ytd only)* | 184.6123% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 3,651 |
| Loan loss allowance to noncurrent loans | 177.3157% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 1.9385% | 1,329 |
| Noncurrent loans to loans | 0.7115% | 3,539 |
| Net loans and leases to total assets | 63.6569% | 3,268 |
| Net loans and leases to deposits | 73.9636% | 3,441 |
| Net loans and leases to core deposits | 75.2450% | 3,797 |
| Total domestic deposits to total assets | 86.0652% | 2,801 |
| Equity capital to assets | 11.7238% | 2,235 |
| Core capital (leverage) ratio | 11.2211% | 2,201 |
| Tier 1 risk-based capital ratio | 15.0944% | 3,438 |
| Total risk-based capital ratio | 16.2169% | 3,441 |
| Memoranda: | ||
| Average total assets | $339,020,200 | 1,919 |
| Average earning assets | $308,505,000 | 1,948 |
| Average equity | $41,514,600 | 1,728 |
| Average total loans | $219,217,000 | 1,906 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 3,628 |
| Cost of funding earning assets | 0.3030% | 4,864 |
| Net interest margin | 3.7304% | 2,897 |
| Noninterest income to average assets | 0.8163% | 1,829 |
| Noninterest expense to average assets | 2.9838% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7590% | 3,631 |
| Return on assets (ROA) | 0.7590% | 3,727 |
| Pretax return on assets | 1.2199% | 2,704 |
| Return on Equity (ROE) | 6.1313% | 4,167 |
| Retained earnings to average equity (ytd only) | -4.1705% | 6,218 |
| Net charge-offs to loans | 0.1912% | 1,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.8595% | 2,618 |
| Efficiency ratio | 70.9799% | 3,343 |
| Assets per employee ($millions) | 2.9327% | 5,805 |
| Cash dividends to net income (ytd only)* | 168.0207% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 4,281 |
| Loan loss allowance to noncurrent loans | 225.8306% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.9332% | 1,507 |
| Noncurrent loans to loans | 0.5272% | 4,353 |
| Net loans and leases to total assets | 66.9112% | 2,701 |
| Net loans and leases to deposits | 78.3501% | 2,910 |
| Net loans and leases to core deposits | 79.7864% | 3,334 |
| Total domestic deposits to total assets | 85.4002% | 3,160 |
| Equity capital to assets | 12.2843% | 1,843 |
| Core capital (leverage) ratio | 11.5293% | 2,041 |
| Tier 1 risk-based capital ratio | 14.9409% | 3,625 |
| Total risk-based capital ratio | 15.9973% | 3,679 |
| Memoranda: | ||
| Average total assets | $337,276,000 | 1,938 |
| Average earning assets | $306,270,250 | 1,972 |
| Average equity | $41,752,250 | 1,725 |
| Average total loans | $218,255,000 | 1,925 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0464% | 3,562 |
| Cost of funding earning assets | 0.3115% | 4,860 |
| Net interest margin | 3.7350% | 2,821 |
| Noninterest income to average assets | 0.8017% | 1,833 |
| Noninterest expense to average assets | 2.9999% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7436% | 3,602 |
| Return on assets (ROA) | 0.7436% | 3,705 |
| Pretax return on assets | 1.1865% | 2,723 |
| Return on Equity (ROE) | 5.9914% | 4,152 |
| Retained earnings to average equity (ytd only) | -8.0173% | 6,376 |
| Net charge-offs to loans | 0.1889% | 1,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 2,307 |
| Efficiency ratio | 71.6572% | 3,403 |
| Assets per employee ($millions) | 3.0728% | 5,645 |
| Cash dividends to net income (ytd only)* | 233.8118% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 3,631 |
| Loan loss allowance to noncurrent loans | 150.3987% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 2.1103% | 1,475 |
| Noncurrent loans to loans | 0.8923% | 3,467 |
| Net loans and leases to total assets | 61.5323% | 3,474 |
| Net loans and leases to deposits | 71.9655% | 3,572 |
| Net loans and leases to core deposits | 73.3458% | 3,908 |
| Total domestic deposits to total assets | 85.5025% | 3,284 |
| Equity capital to assets | 12.1774% | 1,865 |
| Core capital (leverage) ratio | 11.4116% | 2,077 |
| Tier 1 risk-based capital ratio | 16.0671% | 3,052 |
| Total risk-based capital ratio | 17.2587% | 3,020 |
| Memoranda: | ||
| Average total assets | $337,281,670 | 1,939 |
| Average earning assets | $305,652,000 | 1,975 |
| Average equity | $41,859,670 | 1,716 |
| Average total loans | $214,879,000 | 1,944 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1007% | 3,282 |
| Cost of funding earning assets | 0.3179% | 4,888 |
| Net interest margin | 3.7829% | 2,539 |
| Noninterest income to average assets | 0.7551% | 1,940 |
| Noninterest expense to average assets | 2.8850% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8026% | 3,142 |
| Return on assets (ROA) | 0.8026% | 3,222 |
| Pretax return on assets | 1.2893% | 2,131 |
| Return on Equity (ROE) | 6.4062% | 3,802 |
| Retained earnings to average equity (ytd only) | 0.3506% | 5,429 |
| Net charge-offs to loans | 0.1697% | 1,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.8043% | 1,758 |
| Efficiency ratio | 69.1126% | 3,982 |
| Assets per employee ($millions) | 3.3948% | 5,164 |
| Cash dividends to net income (ytd only)* | 94.5266% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 3,814 |
| Loan loss allowance to noncurrent loans | 118.9320% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 2.5852% | 1,212 |
| Noncurrent loans to loans | 1.1405% | 3,137 |
| Net loans and leases to total assets | 62.3538% | 3,177 |
| Net loans and leases to deposits | 73.0469% | 3,195 |
| Net loans and leases to core deposits | 74.4287% | 3,599 |
| Total domestic deposits to total assets | 85.3613% | 3,691 |
| Equity capital to assets | 12.3638% | 1,652 |
| Core capital (leverage) ratio | 11.9377% | 1,688 |
| Tier 1 risk-based capital ratio | 16.4812% | 2,907 |
| Total risk-based capital ratio | 17.7041% | 2,890 |
| Memoranda: | ||
| Average total assets | $336,917,000 | 1,946 |
| Average earning assets | $304,530,500 | 1,985 |
| Average equity | $42,209,000 | 1,696 |
| Average total loans | $216,911,000 | 1,921 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 2,554 |
| Cost of funding earning assets | 0.3563% | 5,079 |
| Net interest margin | 4.0524% | 1,797 |
| Noninterest income to average assets | 1.0484% | 1,280 |
| Noninterest expense to average assets | 3.6549% | 1,361 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8509% | 3,026 |
| Return on assets (ROA) | 0.6964% | 3,905 |
| Pretax return on assets | 0.8423% | 3,989 |
| Return on Equity (ROE) | 5.5551% | 4,361 |
| Retained earnings to average equity (ytd only) | 1.9008% | 4,882 |
| Net charge-offs to loans | 0.0195% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 78.4773% | 557 |
| Efficiency ratio | 78.0399% | 2,460 |
| Assets per employee ($millions) | 3.0644% | 5,735 |
| Cash dividends to net income (ytd only)* | 65.7827% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 3,671 |
| Loan loss allowance to noncurrent loans | 196.3731% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 2.4251% | 1,427 |
| Noncurrent loans to loans | 0.7112% | 4,186 |
| Net loans and leases to total assets | 64.6771% | 2,923 |
| Net loans and leases to deposits | 76.0355% | 2,960 |
| Net loans and leases to core deposits | 77.5334% | 3,422 |
| Total domestic deposits to total assets | 85.0617% | 3,709 |
| Equity capital to assets | 12.6981% | 1,425 |
| Core capital (leverage) ratio | 12.0688% | 1,555 |
| Tier 1 risk-based capital ratio | 16.4558% | 2,876 |
| Total risk-based capital ratio | 17.7061% | 2,837 |
| Memoranda: | ||
| Average total assets | $335,738,600 | 1,915 |
| Average earning assets | $301,152,000 | 1,969 |
| Average equity | $42,087,400 | 1,667 |
| Average total loans | $225,465,200 | 1,815 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 2,360 |
| Cost of funding earning assets | 0.3639% | 5,151 |
| Net interest margin | 4.1026% | 1,625 |
| Noninterest income to average assets | 1.1088% | 1,193 |
| Noninterest expense to average assets | 3.5223% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8859% | 2,907 |
| Return on assets (ROA) | 0.9105% | 2,885 |
| Pretax return on assets | 1.2932% | 2,357 |
| Return on Equity (ROE) | 7.2867% | 3,494 |
| Retained earnings to average equity (ytd only) | 3.3663% | 4,287 |
| Net charge-offs to loans | 0.0275% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 67.6330% | 678 |
| Efficiency ratio | 73.6838% | 3,112 |
| Assets per employee ($millions) | 2.9779% | 5,884 |
| Cash dividends to net income (ytd only)* | 53.8029% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 3,820 |
| Loan loss allowance to noncurrent loans | 121.0148% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 3.2682% | 1,080 |
| Noncurrent loans to loans | 1.1718% | 3,477 |
| Net loans and leases to total assets | 63.7047% | 3,043 |
| Net loans and leases to deposits | 75.2158% | 3,062 |
| Net loans and leases to core deposits | 76.6594% | 3,545 |
| Total domestic deposits to total assets | 84.6958% | 3,886 |
| Equity capital to assets | 12.6994% | 1,478 |
| Core capital (leverage) ratio | 12.0082% | 1,665 |
| Tier 1 risk-based capital ratio | 16.3235% | 3,021 |
| Total risk-based capital ratio | 17.5736% | 2,988 |
| Memoranda: | ||
| Average total assets | $336,934,500 | 1,918 |
| Average earning assets | $301,527,750 | 1,974 |
| Average equity | $42,103,000 | 1,677 |
| Average total loans | $227,560,500 | 1,804 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5326% | 2,079 |
| Cost of funding earning assets | 0.3741% | 5,189 |
| Net interest margin | 4.1585% | 1,384 |
| Noninterest income to average assets | 1.2464% | 1,002 |
| Noninterest expense to average assets | 3.5450% | 1,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0317% | 2,193 |
| Return on assets (ROA) | 1.0700% | 2,152 |
| Pretax return on assets | 1.4717% | 1,708 |
| Return on Equity (ROE) | 8.6084% | 2,792 |
| Retained earnings to average equity (ytd only) | 4.1571% | 3,642 |
| Net charge-offs to loans | 0.0095% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 218.7273% | 240 |
| Efficiency ratio | 71.4116% | 3,577 |
| Assets per employee ($millions) | 3.0315% | 5,796 |
| Cash dividends to net income (ytd only)* | 51.7089% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 4,318 |
| Loan loss allowance to noncurrent loans | 78.1888% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 3.4394% | 1,129 |
| Noncurrent loans to loans | 1.7127% | 2,745 |
| Net loans and leases to total assets | 67.7189% | 2,303 |
| Net loans and leases to deposits | 79.7433% | 2,360 |
| Net loans and leases to core deposits | 83.0164% | 2,692 |
| Total domestic deposits to total assets | 84.9210% | 3,923 |
| Equity capital to assets | 12.5306% | 1,559 |
| Core capital (leverage) ratio | 11.6544% | 1,828 |
| Tier 1 risk-based capital ratio | 15.4829% | 3,491 |
| Total risk-based capital ratio | 16.7048% | 3,465 |
| Memoranda: | ||
| Average total assets | $339,064,670 | 1,914 |
| Average earning assets | $303,140,330 | 1,972 |
| Average equity | $42,145,000 | 1,676 |
| Average total loans | $232,213,670 | 1,771 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 2,044 |
| Cost of funding earning assets | 0.3910% | 5,194 |
| Net interest margin | 4.1430% | 1,347 |
| Noninterest income to average assets | 1.6299% | 584 |
| Noninterest expense to average assets | 3.7231% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2938% | 1,293 |
| Return on assets (ROA) | 1.3772% | 1,167 |
| Pretax return on assets | 1.7176% | 1,036 |
| Return on Equity (ROE) | 11.1234% | 1,672 |
| Retained earnings to average equity (ytd only) | 5.0845% | 3,185 |
| Net charge-offs to loans | -0.0308% | 5,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7654% | 4,013 |
| Assets per employee ($millions) | 3.1682% | 5,698 |
| Cash dividends to net income (ytd only)* | 54.2906% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,651 |
| Loan loss allowance to noncurrent loans | 78.6077% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 3.5147% | 1,206 |
| Noncurrent loans to loans | 1.6663% | 3,045 |
| Net loans and leases to total assets | 68.1299% | 1,987 |
| Net loans and leases to deposits | 80.0530% | 2,062 |
| Net loans and leases to core deposits | 83.3745% | 2,411 |
| Total domestic deposits to total assets | 85.1060% | 3,986 |
| Equity capital to assets | 12.4186% | 1,761 |
| Core capital (leverage) ratio | 11.5313% | 1,861 |
| Tier 1 risk-based capital ratio | 14.9473% | 3,879 |
| Total risk-based capital ratio | 16.1474% | 3,872 |
| Memoranda: | ||
| Average total assets | $341,865,000 | 1,927 |
| Average earning assets | $305,866,500 | 1,974 |
| Average equity | $42,325,000 | 1,685 |
| Average total loans | $233,879,000 | 1,769 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6073% | 2,970 |
| Cost of funding earning assets | 0.6283% | 4,110 |
| Net interest margin | 3.9790% | 2,481 |
| Noninterest income to average assets | 0.8049% | 2,247 |
| Noninterest expense to average assets | 3.1376% | 2,817 |
| Loan and lease loss provision to assets | 0.4404% | 1,439 |
| Net operating income to assets | 0.5726% | 4,370 |
| Return on assets (ROA) | 0.5507% | 4,727 |
| Pretax return on assets | 0.7149% | 4,616 |
| Return on Equity (ROE) | 4.8612% | 4,744 |
| Retained earnings to average equity (ytd only) | 2.4689% | 4,497 |
| Net charge-offs to loans | 2.5963% | 233 |
| Credit loss provision to net charge-offs | 25.3313% | 5,198 |
| Earnings coverage of net charge-offs (x) | 0.6809% | 5,145 |
| Efficiency ratio | 72.6076% | 3,305 |
| Assets per employee ($millions) | 3.2530% | 5,507 |
| Cash dividends to net income (ytd only)* | 49.2126% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,503 |
| Loan loss allowance to noncurrent loans | 82.0704% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 3.9260% | 1,105 |
| Noncurrent loans to loans | 1.6187% | 3,199 |
| Net loans and leases to total assets | 66.8896% | 2,384 |
| Net loans and leases to deposits | 79.3959% | 2,362 |
| Net loans and leases to core deposits | 83.4092% | 2,621 |
| Total domestic deposits to total assets | 84.2481% | 4,206 |
| Equity capital to assets | 12.3426% | 1,830 |
| Core capital (leverage) ratio | 11.2522% | 2,053 |
| Tier 1 risk-based capital ratio | 14.6662% | 3,919 |
| Total risk-based capital ratio | 15.8554% | 3,916 |
| Memoranda: | ||
| Average total assets | $369,002,400 | 1,764 |
| Average earning assets | $326,114,600 | 1,822 |
| Average equity | $41,800,400 | 1,670 |
| Average total loans | $247,083,400 | 1,669 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 3,113 |
| Cost of funding earning assets | 0.6788% | 3,943 |
| Net interest margin | 3.9457% | 2,722 |
| Noninterest income to average assets | 0.7854% | 2,303 |
| Noninterest expense to average assets | 3.0454% | 3,075 |
| Loan and lease loss provision to assets | 0.5055% | 1,211 |
| Net operating income to assets | 0.5179% | 4,772 |
| Return on assets (ROA) | 0.5179% | 5,034 |
| Pretax return on assets | 0.7169% | 4,804 |
| Return on Equity (ROE) | 4.6669% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.2285% | 4,594 |
| Net charge-offs to loans | 3.4963% | 131 |
| Credit loss provision to net charge-offs | 21.6532% | 4,930 |
| Earnings coverage of net charge-offs (x) | 0.5236% | 5,057 |
| Efficiency ratio | 71.3573% | 3,439 |
| Assets per employee ($millions) | 3.3885% | 5,237 |
| Cash dividends to net income (ytd only)* | 30.8221% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 5,475 |
| Loan loss allowance to noncurrent loans | 63.7947% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 4.0396% | 1,193 |
| Noncurrent loans to loans | 1.8183% | 3,051 |
| Net loans and leases to total assets | 66.8078% | 2,501 |
| Net loans and leases to deposits | 79.1606% | 2,517 |
| Net loans and leases to core deposits | 83.2648% | 2,780 |
| Total domestic deposits to total assets | 84.3953% | 4,039 |
| Equity capital to assets | 12.2306% | 2,086 |
| Core capital (leverage) ratio | 11.0452% | 2,336 |
| Tier 1 risk-based capital ratio | 14.4230% | 4,236 |
| Total risk-based capital ratio | 15.4528% | 4,348 |
| Memoranda: | ||
| Average total assets | $375,861,500 | 1,757 |
| Average earning assets | $331,732,500 | 1,806 |
| Average equity | $41,711,000 | 1,685 |
| Average total loans | $250,967,250 | 1,659 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6171% | 3,289 |
| Cost of funding earning assets | 0.7451% | 3,640 |
| Net interest margin | 3.8720% | 3,033 |
| Noninterest income to average assets | 0.7737% | 2,324 |
| Noninterest expense to average assets | 2.9399% | 3,475 |
| Loan and lease loss provision to assets | 0.5182% | 1,212 |
| Net operating income to assets | 0.5301% | 4,674 |
| Return on assets (ROA) | 0.5301% | 4,954 |
| Pretax return on assets | 0.7436% | 4,686 |
| Return on Equity (ROE) | 4.9273% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.2048% | 3,811 |
| Net charge-offs to loans | 2.5145% | 280 |
| Credit loss provision to net charge-offs | 30.9789% | 4,425 |
| Earnings coverage of net charge-offs (x) | 0.7543% | 4,679 |
| Efficiency ratio | 69.9679% | 3,768 |
| Assets per employee ($millions) | 3.2893% | 5,467 |
| Cash dividends to net income (ytd only)* | 14.6628% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3223% | 1,553 |
| Loan loss allowance to noncurrent loans | 48.9495% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 5.7161% | 761 |
| Noncurrent loans to loans | 4.7444% | 1,078 |
| Net loans and leases to total assets | 65.5390% | 2,762 |
| Net loans and leases to deposits | 76.9643% | 2,843 |
| Net loans and leases to core deposits | 83.2070% | 2,798 |
| Total domestic deposits to total assets | 85.1551% | 3,793 |
| Equity capital to assets | 11.5952% | 2,495 |
| Core capital (leverage) ratio | 9.9099% | 3,554 |
| Tier 1 risk-based capital ratio | 14.1608% | 4,330 |
| Total risk-based capital ratio | 15.4215% | 4,287 |
| Memoranda: | ||
| Average total assets | $385,938,000 | 1,714 |
| Average earning assets | $341,687,000 | 1,761 |
| Average equity | $41,523,670 | 1,685 |
| Average total loans | $256,750,000 | 1,621 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 3,051 |
| Cost of funding earning assets | 0.7761% | 3,652 |
| Net interest margin | 3.9249% | 2,824 |
| Noninterest income to average assets | 0.7176% | 2,566 |
| Noninterest expense to average assets | 2.9136% | 3,571 |
| Loan and lease loss provision to assets | 0.5025% | 1,209 |
| Net operating income to assets | 0.5427% | 4,631 |
| Return on assets (ROA) | 0.5427% | 4,844 |
| Pretax return on assets | 0.7678% | 4,541 |
| Return on Equity (ROE) | 5.2289% | 4,678 |
| Retained earnings to average equity (ytd only) | 5.2289% | 3,417 |
| Net charge-offs to loans | 4.4347% | 124 |
| Credit loss provision to net charge-offs | 17.0999% | 3,819 |
| Earnings coverage of net charge-offs (x) | 0.4323% | 4,134 |
| Efficiency ratio | 69.6373% | 3,878 |
| Assets per employee ($millions) | 3.6078% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0936% | 2,114 |
| Loan loss allowance to noncurrent loans | 95.0734% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 3.8698% | 1,439 |
| Noncurrent loans to loans | 2.2021% | 2,914 |
| Net loans and leases to total assets | 64.1259% | 2,828 |
| Net loans and leases to deposits | 74.4100% | 3,062 |
| Net loans and leases to core deposits | 83.9849% | 2,549 |
| Total domestic deposits to total assets | 86.1791% | 3,425 |
| Equity capital to assets | 10.4744% | 3,520 |
| Core capital (leverage) ratio | 9.8912% | 3,514 |
| Tier 1 risk-based capital ratio | 13.0694% | 5,154 |
| Total risk-based capital ratio | 14.3273% | 5,115 |
| Memoranda: | ||
| Average total assets | $397,996,500 | 1,669 |
| Average earning assets | $351,495,000 | 1,723 |
| Average equity | $41,308,500 | 1,681 |
| Average total loans | $263,739,000 | 1,587 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1156% | 2,387 |
| Cost of funding earning assets | 1.1192% | 2,540 |
| Net interest margin | 3.9964% | 2,898 |
| Noninterest income to average assets | 0.7673% | 2,250 |
| Noninterest expense to average assets | 2.9949% | 3,613 |
| Loan and lease loss provision to assets | 1.0841% | 838 |
| Net operating income to assets | 0.2052% | 5,576 |
| Return on assets (ROA) | 0.2576% | 5,549 |
| Pretax return on assets | 0.3073% | 5,536 |
| Return on Equity (ROE) | 2.6310% | 5,427 |
| Retained earnings to average equity (ytd only) | 1.3700% | 5,205 |
| Net charge-offs to loans | 1.0338% | 1,684 |
| Credit loss provision to net charge-offs | 151.1667% | 1,861 |
| Earnings coverage of net charge-offs (x) | 1.8532% | 4,384 |
| Efficiency ratio | 69.2636% | 4,098 |
| Assets per employee ($millions) | 3.5321% | 4,938 |
| Cash dividends to net income (ytd only)* | 47.9284% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9401% | 863 |
| Loan loss allowance to noncurrent loans | 113.9175% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 4.1874% | 1,349 |
| Noncurrent loans to loans | 2.5809% | 2,541 |
| Net loans and leases to total assets | 65.0610% | 2,969 |
| Net loans and leases to deposits | 77.6609% | 2,892 |
| Net loans and leases to core deposits | 90.2914% | 2,082 |
| Total domestic deposits to total assets | 83.7757% | 4,422 |
| Equity capital to assets | 10.2844% | 3,802 |
| Core capital (leverage) ratio | 8.9915% | 4,803 |
| Tier 1 risk-based capital ratio | 12.7070% | 5,301 |
| Total risk-based capital ratio | 13.9749% | 5,268 |
| Memoranda: | ||
| Average total assets | $412,338,200 | 1,576 |
| Average earning assets | $366,952,400 | 1,610 |
| Average equity | $40,365,200 | 1,669 |
| Average total loans | $286,035,600 | 1,492 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1216% | 2,508 |
| Cost of funding earning assets | 1.1560% | 2,598 |
| Net interest margin | 3.9656% | 3,072 |
| Noninterest income to average assets | 0.7580% | 2,274 |
| Noninterest expense to average assets | 3.0096% | 3,527 |
| Loan and lease loss provision to assets | 1.3377% | 551 |
| Net operating income to assets | 0.0112% | 6,139 |
| Return on assets (ROA) | 0.0122% | 6,237 |
| Pretax return on assets | -0.0574% | 6,287 |
| Return on Equity (ROE) | 0.1261% | 6,233 |
| Retained earnings to average equity (ytd only) | -1.5624% | 6,234 |
| Net charge-offs to loans | 0.9151% | 1,753 |
| Credit loss provision to net charge-offs | 209.0226% | 1,394 |
| Earnings coverage of net charge-offs (x) | 1.9980% | 4,150 |
| Efficiency ratio | 70.1825% | 3,931 |
| Assets per employee ($millions) | 3.5189% | 4,942 |
| Cash dividends to net income (ytd only)* | 1,339.3527% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9703% | 882 |
| Loan loss allowance to noncurrent loans | 88.4556% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 5.5013% | 1,017 |
| Noncurrent loans to loans | 3.3580% | 2,055 |
| Net loans and leases to total assets | 67.0902% | 2,655 |
| Net loans and leases to deposits | 80.4394% | 2,599 |
| Net loans and leases to core deposits | 93.8647% | 1,804 |
| Total domestic deposits to total assets | 83.4047% | 4,521 |
| Equity capital to assets | 9.7635% | 4,681 |
| Core capital (leverage) ratio | 9.0928% | 4,796 |
| Tier 1 risk-based capital ratio | 11.5149% | 6,235 |
| Total risk-based capital ratio | 12.7816% | 6,214 |
| Memoranda: | ||
| Average total assets | $415,640,250 | 1,573 |
| Average earning assets | $370,006,250 | 1,610 |
| Average equity | $40,194,500 | 1,674 |
| Average total loans | $290,658,500 | 1,479 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 2,737 |
| Cost of funding earning assets | 1.2205% | 2,437 |
| Net interest margin | 3.8679% | 3,448 |
| Noninterest income to average assets | 0.7687% | 2,163 |
| Noninterest expense to average assets | 2.8535% | 4,218 |
| Loan and lease loss provision to assets | 2.0059% | 305 |
| Net operating income to assets | -0.3397% | 6,575 |
| Return on assets (ROA) | -0.3382% | 6,606 |
| Pretax return on assets | -0.6446% | 6,732 |
| Return on Equity (ROE) | -3.5081% | 6,622 |
| Retained earnings to average equity (ytd only) | -6.0481% | 6,657 |
| Net charge-offs to loans | 1.0314% | 1,526 |
| Credit loss provision to net charge-offs | 277.0764% | 1,098 |
| Earnings coverage of net charge-offs (x) | 1.8771% | 3,925 |
| Efficiency ratio | 67.7401% | 4,565 |
| Assets per employee ($millions) | 3.5776% | 4,731 |
| Cash dividends to net income (ytd only)* | -72.4040% | 7,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1256% | 809 |
| Loan loss allowance to noncurrent loans | 45.5708% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 8.8061% | 483 |
| Noncurrent loans to loans | 6.8589% | 766 |
| Net loans and leases to total assets | 70.3825% | 2,138 |
| Net loans and leases to deposits | 85.4708% | 1,865 |
| Net loans and leases to core deposits | 99.3195% | 1,404 |
| Total domestic deposits to total assets | 82.3468% | 5,044 |
| Equity capital to assets | 9.9679% | 4,197 |
| Core capital (leverage) ratio | 8.5260% | 5,512 |
| Tier 1 risk-based capital ratio | 11.0253% | 6,508 |
| Total risk-based capital ratio | 12.2855% | 6,483 |
| Memoranda: | ||
| Average total assets | $415,776,330 | 1,585 |
| Average earning assets | $370,179,330 | 1,624 |
| Average equity | $40,079,000 | 1,671 |
| Average total loans | $291,842,000 | 1,488 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9735% | 3,230 |
| Cost of funding earning assets | 1.2818% | 2,291 |
| Net interest margin | 3.6917% | 4,149 |
| Noninterest income to average assets | 0.7490% | 2,262 |
| Noninterest expense to average assets | 2.8012% | 4,435 |
| Loan and lease loss provision to assets | 0.9880% | 783 |
| Net operating income to assets | 0.2334% | 5,668 |
| Return on assets (ROA) | 0.2334% | 5,734 |
| Pretax return on assets | 0.2578% | 5,786 |
| Return on Equity (ROE) | 2.4599% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.4599% | 4,680 |
| Net charge-offs to loans | 0.0654% | 4,270 |
| Credit loss provision to net charge-offs | 2,187.5000% | 182 |
| Earnings coverage of net charge-offs (x) | 27.5833% | 893 |
| Efficiency ratio | 69.2165% | 4,431 |
| Assets per employee ($millions) | 3.5673% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5303% | 1,421 |
| Loan loss allowance to noncurrent loans | 79.3934% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 5.6053% | 1,063 |
| Noncurrent loans to loans | 3.1870% | 2,352 |
| Net loans and leases to total assets | 68.4679% | 2,459 |
| Net loans and leases to deposits | 83.9764% | 2,038 |
| Net loans and leases to core deposits | 100.1619% | 1,325 |
| Total domestic deposits to total assets | 81.5323% | 5,483 |
| Equity capital to assets | 9.8039% | 4,029 |
| Core capital (leverage) ratio | 8.7537% | 4,992 |
| Tier 1 risk-based capital ratio | 11.3229% | 6,230 |
| Total risk-based capital ratio | 12.5777% | 6,215 |
| Memoranda: | ||
| Average total assets | $425,108,000 | 1,559 |
| Average earning assets | $379,774,500 | 1,597 |
| Average equity | $40,326,500 | 1,653 |
| Average total loans | $293,505,000 | 1,497 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0841% | 4,174 |
| Cost of funding earning assets | 1.7242% | 1,487 |
| Net interest margin | 3.3599% | 5,758 |
| Noninterest income to average assets | 0.7666% | 2,449 |
| Noninterest expense to average assets | 3.0789% | 3,552 |
| Loan and lease loss provision to assets | 0.9463% | 1,725 |
| Net operating income to assets | -0.0445% | 5,921 |
| Return on assets (ROA) | 0.0342% | 5,879 |
| Pretax return on assets | -0.1116% | 6,011 |
| Return on Equity (ROE) | 0.3872% | 5,857 |
| Retained earnings to average equity (ytd only) | -0.2417% | 5,656 |
| Net charge-offs to loans | 2.5925% | 713 |
| Credit loss provision to net charge-offs | 52.6252% | 6,225 |
| Earnings coverage of net charge-offs (x) | 0.3958% | 5,711 |
| Efficiency ratio | 81.2235% | 2,260 |
| Assets per employee ($millions) | 3.8282% | 4,184 |
| Cash dividends to net income (ytd only)* | 162.4204% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1439% | 1,975 |
| Loan loss allowance to noncurrent loans | 99.3743% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 4.8555% | 1,339 |
| Noncurrent loans to loans | 2.1574% | 3,361 |
| Net loans and leases to total assets | 66.4462% | 3,368 |
| Net loans and leases to deposits | 83.8890% | 2,469 |
| Net loans and leases to core deposits | 99.8138% | 1,636 |
| Total domestic deposits to total assets | 79.2073% | 6,029 |
| Equity capital to assets | 9.1849% | 4,861 |
| Core capital (leverage) ratio | 8.1589% | 5,899 |
| Tier 1 risk-based capital ratio | 10.9349% | 6,381 |
| Total risk-based capital ratio | 12.1857% | 6,351 |
| Memoranda: | ||
| Average total assets | $459,703,400 | 1,444 |
| Average earning assets | $413,764,400 | 1,469 |
| Average equity | $40,550,800 | 1,634 |
| Average total loans | $318,842,800 | 1,408 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 4,361 |
| Cost of funding earning assets | 1.7680% | 1,556 |
| Net interest margin | 3.3253% | 5,938 |
| Noninterest income to average assets | 0.6934% | 2,854 |
| Noninterest expense to average assets | 3.0689% | 3,489 |
| Loan and lease loss provision to assets | 1.1241% | 1,293 |
| Net operating income to assets | -0.2343% | 6,362 |
| Return on assets (ROA) | -0.1309% | 6,305 |
| Pretax return on assets | -0.3425% | 6,444 |
| Return on Equity (ROE) | -1.4983% | 6,339 |
| Retained earnings to average equity (ytd only) | -2.3343% | 6,258 |
| Net charge-offs to loans | 1.8249% | 1,052 |
| Credit loss provision to net charge-offs | 88.3810% | 4,831 |
| Earnings coverage of net charge-offs (x) | 0.4875% | 5,534 |
| Efficiency ratio | 83.1910% | 1,930 |
| Assets per employee ($millions) | 4.0187% | 3,797 |
| Cash dividends to net income (ytd only)* | -55.7983% | 7,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1862% | 706 |
| Loan loss allowance to noncurrent loans | 83.2011% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 5.6545% | 1,082 |
| Noncurrent loans to loans | 3.8295% | 2,001 |
| Net loans and leases to total assets | 64.6796% | 3,975 |
| Net loans and leases to deposits | 84.4596% | 2,628 |
| Net loans and leases to core deposits | 99.7183% | 1,877 |
| Total domestic deposits to total assets | 76.5805% | 6,554 |
| Equity capital to assets | 8.7719% | 5,898 |
| Core capital (leverage) ratio | 8.8472% | 4,928 |
| Tier 1 risk-based capital ratio | 11.8492% | 5,591 |
| Total risk-based capital ratio | 13.0961% | 5,571 |
| Memoranda: | ||
| Average total assets | $465,526,250 | 1,452 |
| Average earning assets | $419,366,000 | 1,465 |
| Average equity | $40,667,500 | 1,633 |
| Average total loans | $324,470,500 | 1,397 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1431% | 4,227 |
| Cost of funding earning assets | 1.8208% | 1,563 |
| Net interest margin | 3.3223% | 5,932 |
| Noninterest income to average assets | 0.6906% | 2,761 |
| Noninterest expense to average assets | 2.9274% | 3,969 |
| Loan and lease loss provision to assets | 1.5385% | 854 |
| Net operating income to assets | -0.3554% | 6,528 |
| Return on assets (ROA) | -0.3483% | 6,562 |
| Pretax return on assets | -0.7667% | 6,765 |
| Return on Equity (ROE) | -3.9924% | 6,618 |
| Retained earnings to average equity (ytd only) | -5.2415% | 6,580 |
| Net charge-offs to loans | 2.1784% | 822 |
| Credit loss provision to net charge-offs | 99.9722% | 4,118 |
| Earnings coverage of net charge-offs (x) | 0.4943% | 5,230 |
| Efficiency ratio | 79.3743% | 2,520 |
| Assets per employee ($millions) | 4.1224% | 3,538 |
| Cash dividends to net income (ytd only)* | -31.2883% | 7,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2167% | 689 |
| Loan loss allowance to noncurrent loans | 119.8832% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 4.6653% | 1,397 |
| Noncurrent loans to loans | 2.6832% | 2,967 |
| Net loans and leases to total assets | 66.9118% | 3,635 |
| Net loans and leases to deposits | 90.9693% | 1,694 |
| Net loans and leases to core deposits | 107.3895% | 1,348 |
| Total domestic deposits to total assets | 73.5543% | 7,035 |
| Equity capital to assets | 8.6957% | 5,890 |
| Core capital (leverage) ratio | 8.3713% | 5,627 |
| Tier 1 risk-based capital ratio | 11.3941% | 5,868 |
| Total risk-based capital ratio | 12.6655% | 5,829 |
| Memoranda: | ||
| Average total assets | $467,991,000 | 1,461 |
| Average earning assets | $422,236,330 | 1,469 |
| Average equity | $40,827,670 | 1,618 |
| Average total loans | $330,604,000 | 1,376 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 4,348 |
| Cost of funding earning assets | 1.8800% | 1,536 |
| Net interest margin | 3.2594% | 6,099 |
| Noninterest income to average assets | 0.6656% | 2,843 |
| Noninterest expense to average assets | 2.6931% | 4,936 |
| Loan and lease loss provision to assets | 0.5943% | 2,136 |
| Net operating income to assets | 0.2962% | 5,316 |
| Return on assets (ROA) | 0.3167% | 5,351 |
| Pretax return on assets | 0.3413% | 5,488 |
| Return on Equity (ROE) | 3.6243% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.6243% | 3,978 |
| Net charge-offs to loans | 2.6916% | 599 |
| Credit loss provision to net charge-offs | 30.9324% | 4,798 |
| Earnings coverage of net charge-offs (x) | 0.4755% | 4,598 |
| Efficiency ratio | 74.6704% | 3,455 |
| Assets per employee ($millions) | 4.1293% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6336% | 1,141 |
| Loan loss allowance to noncurrent loans | 63.5428% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 5.4178% | 1,146 |
| Noncurrent loans to loans | 4.1445% | 1,860 |
| Net loans and leases to total assets | 68.9811% | 3,161 |
| Net loans and leases to deposits | 94.0300% | 1,345 |
| Net loans and leases to core deposits | 107.5401% | 1,457 |
| Total domestic deposits to total assets | 73.3607% | 7,130 |
| Equity capital to assets | 8.8697% | 5,447 |
| Core capital (leverage) ratio | 8.6568% | 5,100 |
| Tier 1 risk-based capital ratio | 11.2041% | 5,953 |
| Total risk-based capital ratio | 12.4572% | 5,907 |
| Memoranda: | ||
| Average total assets | $471,132,000 | 1,487 |
| Average earning assets | $425,109,000 | 1,505 |
| Average equity | $41,167,000 | 1,622 |
| Average total loans | $336,303,000 | 1,391 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5729% | 3,743 |
| Cost of funding earning assets | 2.2083% | 1,991 |
| Net interest margin | 3.3647% | 5,511 |
| Noninterest income to average assets | 0.7175% | 2,862 |
| Noninterest expense to average assets | 3.2873% | 3,055 |
| Loan and lease loss provision to assets | 1.6397% | 1,394 |
| Net operating income to assets | -0.5868% | 6,256 |
| Return on assets (ROA) | -0.4077% | 6,082 |
| Pretax return on assets | -0.8672% | 6,319 |
| Return on Equity (ROE) | -4.7052% | 6,187 |
| Retained earnings to average equity (ytd only) | -6.5115% | 6,200 |
| Net charge-offs to loans | 1.1375% | 2,151 |
| Credit loss provision to net charge-offs | 196.9990% | 2,005 |
| Earnings coverage of net charge-offs (x) | 0.5920% | 5,512 |
| Efficiency ratio | 86.9651% | 1,997 |
| Assets per employee ($millions) | 4.1004% | 3,614 |
| Cash dividends to net income (ytd only)* | -38.3893% | 7,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0024% | 776 |
| Loan loss allowance to noncurrent loans | 100.4795% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 4.6757% | 1,364 |
| Noncurrent loans to loans | 2.9881% | 2,572 |
| Net loans and leases to total assets | 69.7478% | 3,316 |
| Net loans and leases to deposits | 98.0935% | 1,094 |
| Net loans and leases to core deposits | 115.2218% | 2,395 |
| Total domestic deposits to total assets | 71.1035% | 7,330 |
| Equity capital to assets | 8.6086% | 5,717 |
| Core capital (leverage) ratio | 8.1540% | 5,899 |
| Tier 1 risk-based capital ratio | 10.8039% | 6,112 |
| Total risk-based capital ratio | 12.0673% | 6,066 |
| Memoranda: | ||
| Average total assets | $496,426,800 | 1,388 |
| Average earning assets | $451,843,400 | 1,398 |
| Average equity | $43,016,000 | 1,552 |
| Average total loans | $363,241,800 | 1,324 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6236% | 3,726 |
| Cost of funding earning assets | 2.2615% | 2,142 |
| Net interest margin | 3.3621% | 5,401 |
| Noninterest income to average assets | 0.7025% | 2,997 |
| Noninterest expense to average assets | 3.3993% | 2,578 |
| Loan and lease loss provision to assets | 1.8579% | 995 |
| Net operating income to assets | -0.7979% | 6,691 |
| Return on assets (ROA) | -0.5616% | 6,483 |
| Pretax return on assets | -1.1195% | 6,775 |
| Return on Equity (ROE) | -6.4715% | 6,602 |
| Retained earnings to average equity (ytd only) | -8.8513% | 6,693 |
| Net charge-offs to loans | 1.3176% | 1,555 |
| Credit loss provision to net charge-offs | 191.9275% | 2,361 |
| Earnings coverage of net charge-offs (x) | 0.3814% | 5,642 |
| Efficiency ratio | 90.2031% | 1,670 |
| Assets per employee ($millions) | 4.1956% | 3,386 |
| Cash dividends to net income (ytd only)* | -36.7723% | 7,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7357% | 848 |
| Loan loss allowance to noncurrent loans | 170.4026% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 4.7978% | 1,235 |
| Noncurrent loans to loans | 1.6054% | 4,230 |
| Net loans and leases to total assets | 69.5969% | 3,600 |
| Net loans and leases to deposits | 97.1634% | 1,423 |
| Net loans and leases to core deposits | 113.6209% | 2,868 |
| Total domestic deposits to total assets | 71.6287% | 7,259 |
| Equity capital to assets | 8.4305% | 6,345 |
| Core capital (leverage) ratio | 8.2270% | 5,968 |
| Tier 1 risk-based capital ratio | 10.3408% | 6,632 |
| Total risk-based capital ratio | 11.5943% | 6,573 |
| Memoranda: | ||
| Average total assets | $501,620,500 | 1,392 |
| Average earning assets | $457,442,250 | 1,393 |
| Average equity | $43,533,250 | 1,557 |
| Average total loans | $368,545,750 | 1,321 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6670% | 3,730 |
| Cost of funding earning assets | 2.3452% | 2,184 |
| Net interest margin | 3.3217% | 5,469 |
| Noninterest income to average assets | 0.6924% | 3,037 |
| Noninterest expense to average assets | 2.8911% | 4,533 |
| Loan and lease loss provision to assets | 0.7720% | 2,145 |
| Net operating income to assets | 0.0688% | 5,653 |
| Return on assets (ROA) | 0.4612% | 4,362 |
| Pretax return on assets | 0.5424% | 4,487 |
| Return on Equity (ROE) | 5.2656% | 3,968 |
| Retained earnings to average equity (ytd only) | 2.6667% | 3,844 |
| Net charge-offs to loans | 0.8629% | 1,965 |
| Credit loss provision to net charge-offs | 120.7430% | 3,846 |
| Earnings coverage of net charge-offs (x) | 1.3337% | 4,521 |
| Efficiency ratio | 77.2232% | 3,470 |
| Assets per employee ($millions) | 4.0135% | 3,647 |
| Cash dividends to net income (ytd only)* | 49.3562% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 2,050 |
| Loan loss allowance to noncurrent loans | 59.7193% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 4.4150% | 1,283 |
| Noncurrent loans to loans | 3.0101% | 2,397 |
| Net loans and leases to total assets | 72.9922% | 2,953 |
| Net loans and leases to deposits | 103.0012% | 989 |
| Net loans and leases to core deposits | 121.1665% | 2,263 |
| Total domestic deposits to total assets | 70.8654% | 7,385 |
| Equity capital to assets | 8.9803% | 5,342 |
| Core capital (leverage) ratio | 8.2642% | 5,864 |
| Tier 1 risk-based capital ratio | 10.9862% | 5,887 |
| Total risk-based capital ratio | 12.2382% | 5,822 |
| Memoranda: | ||
| Average total assets | $505,198,330 | 1,408 |
| Average earning assets | $464,093,000 | 1,391 |
| Average equity | $44,249,670 | 1,543 |
| Average total loans | $374,310,670 | 1,324 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6080% | 4,303 |
| Cost of funding earning assets | 2.4394% | 2,144 |
| Net interest margin | 3.1686% | 5,957 |
| Noninterest income to average assets | 0.7061% | 2,849 |
| Noninterest expense to average assets | 2.9630% | 3,928 |
| Loan and lease loss provision to assets | 0.5088% | 2,437 |
| Net operating income to assets | 0.1115% | 5,948 |
| Return on assets (ROA) | 0.7750% | 3,408 |
| Pretax return on assets | 1.0615% | 3,139 |
| Return on Equity (ROE) | 8.9576% | 2,741 |
| Retained earnings to average equity (ytd only) | 6.3246% | 2,484 |
| Net charge-offs to loans | 0.2614% | 3,096 |
| Credit loss provision to net charge-offs | 263.1579% | 1,793 |
| Earnings coverage of net charge-offs (x) | 3.4211% | 3,184 |
| Efficiency ratio | 81.7495% | 2,569 |
| Assets per employee ($millions) | 4.1771% | 3,301 |
| Cash dividends to net income (ytd only)* | 29.3939% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 1,913 |
| Loan loss allowance to noncurrent loans | 51.5550% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 4.2322% | 1,181 |
| Noncurrent loans to loans | 3.4439% | 1,855 |
| Net loans and leases to total assets | 70.0463% | 3,657 |
| Net loans and leases to deposits | 97.8345% | 1,689 |
| Net loans and leases to core deposits | 119.3763% | 2,471 |
| Total domestic deposits to total assets | 71.5967% | 7,268 |
| Equity capital to assets | 8.4882% | 6,090 |
| Core capital (leverage) ratio | 8.3165% | 5,875 |
| Tier 1 risk-based capital ratio | 10.5322% | 6,363 |
| Total risk-based capital ratio | 11.7599% | 6,295 |
| Memoranda: | ||
| Average total assets | $510,969,000 | 1,392 |
| Average earning assets | $470,613,500 | 1,382 |
| Average equity | $44,208,500 | 1,545 |
| Average total loans | $378,002,500 | 1,320 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4283% | 3,285 |
| Cost of funding earning assets | 2.6568% | 3,385 |
| Net interest margin | 3.7715% | 4,131 |
| Noninterest income to average assets | 0.7875% | 2,586 |
| Noninterest expense to average assets | 2.7581% | 5,016 |
| Loan and lease loss provision to assets | 1.2967% | 1,096 |
| Net operating income to assets | 0.2075% | 5,828 |
| Return on assets (ROA) | 0.2290% | 5,586 |
| Pretax return on assets | 0.2401% | 5,648 |
| Return on Equity (ROE) | 2.7425% | 5,326 |
| Retained earnings to average equity (ytd only) | -1.8032% | 5,817 |
| Net charge-offs to loans | 1.3755% | 855 |
| Credit loss provision to net charge-offs | 124.5819% | 4,294 |
| Earnings coverage of net charge-offs (x) | 1.4548% | 5,385 |
| Efficiency ratio | 64.5575% | 5,435 |
| Assets per employee ($millions) | 3.9335% | 3,649 |
| Cash dividends to net income (ytd only)* | 165.7509% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 2,082 |
| Loan loss allowance to noncurrent loans | 47.3852% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 4.2032% | 946 |
| Noncurrent loans to loans | 3.4709% | 1,462 |
| Net loans and leases to total assets | 75.5445% | 2,746 |
| Net loans and leases to deposits | 103.7957% | 1,362 |
| Net loans and leases to core deposits | 133.1874% | 1,642 |
| Total domestic deposits to total assets | 72.7819% | 6,867 |
| Equity capital to assets | 8.8257% | 5,611 |
| Core capital (leverage) ratio | 8.4965% | 5,584 |
| Tier 1 risk-based capital ratio | 10.3183% | 6,399 |
| Total risk-based capital ratio | 11.5680% | 6,274 |
| Memoranda: | ||
| Average total assets | $476,821,800 | 1,444 |
| Average earning assets | $440,568,800 | 1,415 |
| Average equity | $39,817,800 | 1,695 |
| Average total loans | $360,811,000 | 1,343 |