Home > The Citizens National Bank > Performance and Condition Ratios
The Citizens National Bank, Performance and Condition Ratios
| 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 | 3.3250% | 5,387 |
| Cost of funding earning assets | 0.4225% | 3,040 |
| Net interest margin | 2.9026% | 5,449 |
| Noninterest income to average assets | 0.5130% | 3,205 |
| Noninterest expense to average assets | 2.4609% | 4,401 |
| Loan and lease loss provision to assets | 0.0598% | 2,735 |
| Net operating income to assets | 0.5055% | 4,657 |
| Return on assets (ROA) | 0.5883% | 4,429 |
| Pretax return on assets | 0.7617% | 4,385 |
| Return on Equity (ROE) | 4.6898% | 4,670 |
| Retained earnings to average equity (ytd only) | 1.4489% | 4,903 |
| Net charge-offs to loans | 0.5173% | 483 |
| Credit loss provision to net charge-offs | 31.8471% | 2,258 |
| Earnings coverage of net charge-offs (x) | 3.8025% | 2,566 |
| Efficiency ratio | 77.5141% | 2,264 |
| Assets per employee ($millions) | 6.1487% | 1,294 |
| Cash dividends to net income (ytd only)* | 69.1057% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 1,558 |
| Loan loss allowance to noncurrent loans | 97.1203% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 0.6568% | 3,526 |
| Noncurrent loans to loans | 1.8240% | 1,482 |
| Net loans and leases to total assets | 34.2851% | 5,913 |
| Net loans and leases to deposits | 39.7711% | 5,922 |
| Net loans and leases to core deposits | 47.1833% | 5,709 |
| Total domestic deposits to total assets | 86.2061% | 2,823 |
| Equity capital to assets | 12.5342% | 1,674 |
| Core capital (leverage) ratio | 11.8083% | 1,770 |
| Tier 1 risk-based capital ratio | 24.3444% | 956 |
| Total risk-based capital ratio | 25.5956% | 935 |
| Memoranda: | ||
| Average total assets | $334,511,500 | 1,991 |
| Average earning assets | $306,763,500 | 2,009 |
| Average equity | $41,963,500 | 1,762 |
| Average total loans | $121,399,500 | 3,071 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4230% | 5,483 |
| Cost of funding earning assets | 0.4282% | 3,402 |
| Net interest margin | 2.9949% | 5,458 |
| Noninterest income to average assets | 0.5065% | 3,457 |
| Noninterest expense to average assets | 2.4600% | 4,674 |
| Loan and lease loss provision to assets | 0.0313% | 3,972 |
| Net operating income to assets | 0.6318% | 4,227 |
| Return on assets (ROA) | 0.6361% | 4,310 |
| Pretax return on assets | 0.7501% | 4,441 |
| Return on Equity (ROE) | 5.8762% | 4,210 |
| Retained earnings to average equity (ytd only) | 2.9573% | 4,144 |
| Net charge-offs to loans | 0.2497% | 1,717 |
| Credit loss provision to net charge-offs | 38.5666% | 3,704 |
| Earnings coverage of net charge-offs (x) | 9.5529% | 2,731 |
| Efficiency ratio | 76.0093% | 2,508 |
| Assets per employee ($millions) | 5.7042% | 1,602 |
| Cash dividends to net income (ytd only)* | 49.6729% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 1,623 |
| Loan loss allowance to noncurrent loans | 98.3445% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 3,488 |
| Noncurrent loans to loans | 1.7914% | 1,608 |
| Net loans and leases to total assets | 37.0462% | 5,898 |
| Net loans and leases to deposits | 42.9762% | 5,930 |
| Net loans and leases to core deposits | 51.1399% | 5,654 |
| Total domestic deposits to total assets | 86.2017% | 2,723 |
| Equity capital to assets | 12.5555% | 1,616 |
| Core capital (leverage) ratio | 11.8336% | 1,745 |
| Tier 1 risk-based capital ratio | 20.6821% | 1,473 |
| Total risk-based capital ratio | 21.9224% | 1,444 |
| Memoranda: | ||
| Average total assets | $360,493,000 | 1,811 |
| Average earning assets | $328,597,200 | 1,831 |
| Average equity | $39,021,600 | 1,814 |
| Average total loans | $117,353,400 | 3,092 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4110% | 5,576 |
| Cost of funding earning assets | 0.4259% | 3,512 |
| Net interest margin | 2.9851% | 5,527 |
| Noninterest income to average assets | 0.5052% | 3,515 |
| Noninterest expense to average assets | 2.3303% | 5,027 |
| Loan and lease loss provision to assets | 0.0355% | 3,695 |
| Net operating income to assets | 0.6693% | 4,107 |
| Return on assets (ROA) | 0.6744% | 4,170 |
| Pretax return on assets | 0.8640% | 4,131 |
| Return on Equity (ROE) | 6.4629% | 3,990 |
| Retained earnings to average equity (ytd only) | 4.4869% | 3,460 |
| Net charge-offs to loans | 0.2124% | 1,766 |
| Credit loss provision to net charge-offs | 53.2609% | 3,056 |
| Earnings coverage of net charge-offs (x) | 13.3911% | 2,230 |
| Efficiency ratio | 72.2959% | 3,125 |
| Assets per employee ($millions) | 5.5451% | 1,685 |
| Cash dividends to net income (ytd only)* | 30.5751% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 1,472 |
| Loan loss allowance to noncurrent loans | 186.3415% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 4,740 |
| Noncurrent loans to loans | 1.0153% | 3,041 |
| Net loans and leases to total assets | 35.7243% | 6,038 |
| Net loans and leases to deposits | 41.2579% | 6,079 |
| Net loans and leases to core deposits | 48.9999% | 5,836 |
| Total domestic deposits to total assets | 86.5879% | 2,536 |
| Equity capital to assets | 12.2162% | 1,893 |
| Core capital (leverage) ratio | 11.9107% | 1,753 |
| Tier 1 risk-based capital ratio | 21.1672% | 1,423 |
| Total risk-based capital ratio | 22.4178% | 1,396 |
| Memoranda: | ||
| Average total assets | $367,905,250 | 1,778 |
| Average earning assets | $334,990,500 | 1,804 |
| Average equity | $38,392,250 | 1,847 |
| Average total loans | $115,501,000 | 3,142 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3692% | 5,679 |
| Cost of funding earning assets | 0.4237% | 3,614 |
| Net interest margin | 2.9455% | 5,642 |
| Noninterest income to average assets | 0.4652% | 3,748 |
| Noninterest expense to average assets | 2.2595% | 5,256 |
| Loan and lease loss provision to assets | 0.0316% | 3,652 |
| Net operating income to assets | 0.6680% | 4,003 |
| Return on assets (ROA) | 0.6754% | 4,065 |
| Pretax return on assets | 0.8645% | 4,016 |
| Return on Equity (ROE) | 6.8116% | 3,714 |
| Retained earnings to average equity (ytd only) | 4.7979% | 3,090 |
| Net charge-offs to loans | 0.3661% | 1,115 |
| Credit loss provision to net charge-offs | 28.8462% | 3,071 |
| Earnings coverage of net charge-offs (x) | 8.0913% | 2,538 |
| Efficiency ratio | 71.8185% | 3,377 |
| Assets per employee ($millions) | 5.5735% | 1,630 |
| Cash dividends to net income (ytd only)* | 29.5632% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 1,613 |
| Loan loss allowance to noncurrent loans | 151.9074% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 3,881 |
| Noncurrent loans to loans | 1.2416% | 2,743 |
| Net loans and leases to total assets | 35.2765% | 6,086 |
| Net loans and leases to deposits | 40.6234% | 6,128 |
| Net loans and leases to core deposits | 48.3223% | 5,887 |
| Total domestic deposits to total assets | 86.8379% | 2,555 |
| Equity capital to assets | 12.0022% | 1,977 |
| Core capital (leverage) ratio | 11.3448% | 2,123 |
| Tier 1 risk-based capital ratio | 21.0937% | 1,432 |
| Total risk-based capital ratio | 22.3441% | 1,403 |
| Memoranda: | ||
| Average total assets | $379,638,330 | 1,732 |
| Average earning assets | $345,541,000 | 1,735 |
| Average equity | $37,641,670 | 1,872 |
| Average total loans | $113,618,330 | 3,181 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4138% | 5,617 |
| Cost of funding earning assets | 0.3772% | 4,229 |
| Net interest margin | 3.0367% | 5,422 |
| Noninterest income to average assets | 0.4128% | 4,083 |
| Noninterest expense to average assets | 2.0225% | 5,839 |
| Loan and lease loss provision to assets | 0.0444% | 3,211 |
| Net operating income to assets | 0.8335% | 2,990 |
| Return on assets (ROA) | 0.8335% | 3,060 |
| Pretax return on assets | 1.1209% | 2,810 |
| Return on Equity (ROE) | 9.1918% | 2,380 |
| Retained earnings to average equity (ytd only) | 7.1225% | 1,971 |
| Net charge-offs to loans | 0.0647% | 2,508 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 65.5556% | 618 |
| Efficiency ratio | 63.4449% | 4,945 |
| Assets per employee ($millions) | 7.0166% | 800 |
| Cash dividends to net income (ytd only)* | 22.5118% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1612% | 1,219 |
| Loan loss allowance to noncurrent loans | 159.2715% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 4,268 |
| Noncurrent loans to loans | 1.3569% | 2,770 |
| Net loans and leases to total assets | 26.7537% | 6,451 |
| Net loans and leases to deposits | 41.0742% | 6,127 |
| Net loans and leases to core deposits | 49.0773% | 5,823 |
| Total domestic deposits to total assets | 65.1350% | 6,570 |
| Equity capital to assets | 9.3670% | 4,673 |
| Core capital (leverage) ratio | 9.7319% | 3,952 |
| Tier 1 risk-based capital ratio | 20.1531% | 1,682 |
| Total risk-based capital ratio | 21.4036% | 1,652 |
| Memoranda: | ||
| Average total assets | $405,038,000 | 1,651 |
| Average earning assets | $370,142,500 | 1,649 |
| Average equity | $36,728,500 | 1,909 |
| Average total loans | $111,311,000 | 3,237 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2544% | 6,067 |
| Cost of funding earning assets | 0.4624% | 3,995 |
| Net interest margin | 2.7921% | 5,994 |
| Noninterest income to average assets | 0.4354% | 4,191 |
| Noninterest expense to average assets | 2.2068% | 5,610 |
| Loan and lease loss provision to assets | 0.0665% | 3,796 |
| Net operating income to assets | 0.6079% | 4,229 |
| Return on assets (ROA) | 0.6079% | 4,346 |
| Pretax return on assets | 0.7078% | 4,511 |
| Return on Equity (ROE) | 6.2291% | 3,955 |
| Retained earnings to average equity (ytd only) | 3.7749% | 3,517 |
| Net charge-offs to loans | 0.2393% | 2,543 |
| Credit loss provision to net charge-offs | 104.0816% | 2,332 |
| Earnings coverage of net charge-offs (x) | 12.1143% | 2,162 |
| Efficiency ratio | 74.0264% | 3,125 |
| Assets per employee ($millions) | 7.0722% | 732 |
| Cash dividends to net income (ytd only)* | 39.3991% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 1,274 |
| Loan loss allowance to noncurrent loans | 156.2418% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 4,921 |
| Noncurrent loans to loans | 1.3670% | 2,852 |
| Net loans and leases to total assets | 27.0300% | 6,547 |
| Net loans and leases to deposits | 41.6636% | 6,248 |
| Net loans and leases to core deposits | 49.4470% | 5,968 |
| Total domestic deposits to total assets | 64.8768% | 6,655 |
| Equity capital to assets | 8.7660% | 5,293 |
| Core capital (leverage) ratio | 9.5432% | 4,198 |
| Tier 1 risk-based capital ratio | 19.7869% | 1,701 |
| Total risk-based capital ratio | 21.0377% | 1,674 |
| Memoranda: | ||
| Average total assets | $383,312,400 | 1,714 |
| Average earning assets | $349,490,800 | 1,711 |
| Average equity | $37,404,800 | 1,854 |
| Average total loans | $102,391,200 | 3,394 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2197% | 6,169 |
| Cost of funding earning assets | 0.4832% | 3,933 |
| Net interest margin | 2.7365% | 6,109 |
| Noninterest income to average assets | 0.4306% | 4,293 |
| Noninterest expense to average assets | 2.2021% | 5,603 |
| Loan and lease loss provision to assets | 0.0581% | 3,882 |
| Net operating income to assets | 0.5747% | 4,446 |
| Return on assets (ROA) | 0.5747% | 4,583 |
| Pretax return on assets | 0.6650% | 4,806 |
| Return on Equity (ROE) | 5.7345% | 4,324 |
| Retained earnings to average equity (ytd only) | 4.9328% | 3,130 |
| Net charge-offs to loans | 0.1957% | 2,668 |
| Credit loss provision to net charge-offs | 112.2449% | 2,102 |
| Earnings coverage of net charge-offs (x) | 13.9588% | 1,979 |
| Efficiency ratio | 75.2801% | 2,849 |
| Assets per employee ($millions) | 6.8164% | 810 |
| Cash dividends to net income (ytd only)* | 13.9791% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3454% | 1,113 |
| Loan loss allowance to noncurrent loans | 151.5883% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 4,955 |
| Noncurrent loans to loans | 1.5472% | 2,847 |
| Net loans and leases to total assets | 24.7025% | 6,676 |
| Net loans and leases to deposits | 37.9123% | 6,453 |
| Net loans and leases to core deposits | 45.0499% | 6,245 |
| Total domestic deposits to total assets | 65.1569% | 6,722 |
| Equity capital to assets | 8.7230% | 5,495 |
| Core capital (leverage) ratio | 9.4922% | 4,420 |
| Tier 1 risk-based capital ratio | 20.0170% | 1,734 |
| Total risk-based capital ratio | 21.2676% | 1,706 |
| Memoranda: | ||
| Average total assets | $378,361,750 | 1,739 |
| Average earning assets | $344,910,500 | 1,747 |
| Average equity | $37,921,750 | 1,841 |
| Average total loans | $100,154,000 | 3,467 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2098% | 6,214 |
| Cost of funding earning assets | 0.4859% | 4,028 |
| Net interest margin | 2.7239% | 6,141 |
| Noninterest income to average assets | 0.4433% | 4,219 |
| Noninterest expense to average assets | 2.2515% | 5,495 |
| Loan and lease loss provision to assets | 0.0783% | 3,496 |
| Net operating income to assets | 0.5345% | 4,643 |
| Return on assets (ROA) | 0.5345% | 4,809 |
| Pretax return on assets | 0.5955% | 5,029 |
| Return on Equity (ROE) | 5.0941% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.3120% | 3,537 |
| Net charge-offs to loans | 0.0903% | 3,463 |
| Credit loss provision to net charge-offs | 322.2222% | 807 |
| Earnings coverage of net charge-offs (x) | 27.7333% | 1,210 |
| Efficiency ratio | 76.9657% | 2,634 |
| Assets per employee ($millions) | 6.7786% | 802 |
| Cash dividends to net income (ytd only)* | 15.3535% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4880% | 995 |
| Loan loss allowance to noncurrent loans | 139.7508% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 4,708 |
| Noncurrent loans to loans | 1.7803% | 2,659 |
| Net loans and leases to total assets | 24.6028% | 6,716 |
| Net loans and leases to deposits | 38.3847% | 6,471 |
| Net loans and leases to core deposits | 43.1400% | 6,360 |
| Total domestic deposits to total assets | 64.0952% | 6,795 |
| Equity capital to assets | 9.3677% | 4,760 |
| Core capital (leverage) ratio | 10.0314% | 3,465 |
| Tier 1 risk-based capital ratio | 20.4825% | 1,612 |
| Total risk-based capital ratio | 21.7345% | 1,585 |
| Memoranda: | ||
| Average total assets | $370,427,000 | 1,768 |
| Average earning assets | $337,532,670 | 1,775 |
| Average equity | $38,868,670 | 1,806 |
| Average total loans | $99,628,330 | 3,499 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3299% | 6,094 |
| Cost of funding earning assets | 0.4867% | 4,215 |
| Net interest margin | 2.8432% | 5,934 |
| Noninterest income to average assets | 0.4846% | 3,886 |
| Noninterest expense to average assets | 2.2882% | 5,459 |
| Loan and lease loss provision to assets | 0.1448% | 2,431 |
| Net operating income to assets | 0.5503% | 4,453 |
| Return on assets (ROA) | 0.5503% | 4,606 |
| Pretax return on assets | 0.6350% | 4,820 |
| Return on Equity (ROE) | 4.9539% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.1917% | 3,704 |
| Net charge-offs to loans | -0.0040% | 5,225 |
| Credit loss provision to net charge-offs | -13,000.0000% | 5,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5824% | 3,159 |
| Assets per employee ($millions) | 6.4870% | 989 |
| Cash dividends to net income (ytd only)* | 15.3846% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4993% | 1,117 |
| Loan loss allowance to noncurrent loans | 114.0055% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 4,447 |
| Noncurrent loans to loans | 2.1923% | 2,399 |
| Net loans and leases to total assets | 26.8359% | 6,702 |
| Net loans and leases to deposits | 44.8965% | 6,129 |
| Net loans and leases to core deposits | 47.1596% | 6,142 |
| Total domestic deposits to total assets | 59.7727% | 6,916 |
| Equity capital to assets | 10.9513% | 3,014 |
| Core capital (leverage) ratio | 10.5280% | 2,738 |
| Tier 1 risk-based capital ratio | 21.5007% | 1,426 |
| Total risk-based capital ratio | 22.7538% | 1,399 |
| Memoranda: | ||
| Average total assets | $359,061,000 | 1,840 |
| Average earning assets | $326,256,500 | 1,853 |
| Average equity | $39,888,000 | 1,782 |
| Average total loans | $99,844,500 | 3,506 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7318% | 5,988 |
| Cost of funding earning assets | 0.5598% | 4,726 |
| Net interest margin | 3.1719% | 5,639 |
| Noninterest income to average assets | 0.5270% | 3,732 |
| Noninterest expense to average assets | 2.5168% | 5,044 |
| Loan and lease loss provision to assets | 0.0896% | 4,573 |
| Net operating income to assets | 0.5869% | 4,300 |
| Return on assets (ROA) | 1.0829% | 2,186 |
| Pretax return on assets | 1.4589% | 1,823 |
| Return on Equity (ROE) | 9.9983% | 2,167 |
| Retained earnings to average equity (ytd only) | 9.1738% | 773 |
| Net charge-offs to loans | 0.5362% | 2,124 |
| Credit loss provision to net charge-offs | 60.9284% | 4,422 |
| Earnings coverage of net charge-offs (x) | 5.9729% | 2,903 |
| Efficiency ratio | 74.1330% | 3,047 |
| Assets per employee ($millions) | 5.9142% | 1,348 |
| Cash dividends to net income (ytd only)* | 8.2458% | 4,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3751% | 1,274 |
| Loan loss allowance to noncurrent loans | 110.6025% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 4,139 |
| Noncurrent loans to loans | 2.1474% | 2,525 |
| Net loans and leases to total assets | 27.4298% | 6,777 |
| Net loans and leases to deposits | 47.2989% | 6,155 |
| Net loans and leases to core deposits | 49.4946% | 6,175 |
| Total domestic deposits to total assets | 57.9925% | 6,989 |
| Equity capital to assets | 11.2704% | 2,661 |
| Core capital (leverage) ratio | 10.3935% | 2,892 |
| Tier 1 risk-based capital ratio | 21.7314% | 1,318 |
| Total risk-based capital ratio | 22.9842% | 1,292 |
| Memoranda: | ||
| Average total assets | $351,637,200 | 1,839 |
| Average earning assets | $317,944,400 | 1,864 |
| Average equity | $38,086,600 | 1,824 |
| Average total loans | $96,417,000 | 3,607 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 5,908 |
| Cost of funding earning assets | 0.5762% | 4,861 |
| Net interest margin | 3.2705% | 5,485 |
| Noninterest income to average assets | 0.5279% | 3,756 |
| Noninterest expense to average assets | 2.4832% | 5,134 |
| Loan and lease loss provision to assets | 0.1178% | 4,077 |
| Net operating income to assets | 0.6489% | 4,145 |
| Return on assets (ROA) | 1.2822% | 1,632 |
| Pretax return on assets | 1.7520% | 1,156 |
| Return on Equity (ROE) | 11.9610% | 1,652 |
| Retained earnings to average equity (ytd only) | 11.1528% | 659 |
| Net charge-offs to loans | 0.6081% | 1,813 |
| Credit loss provision to net charge-offs | 71.1009% | 3,877 |
| Earnings coverage of net charge-offs (x) | 6.0481% | 2,860 |
| Efficiency ratio | 71.2463% | 3,460 |
| Assets per employee ($millions) | 6.0994% | 1,186 |
| Cash dividends to net income (ytd only)* | 6.7575% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4955% | 1,216 |
| Loan loss allowance to noncurrent loans | 132.3227% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.7993% | 4,707 |
| Noncurrent loans to loans | 1.8859% | 2,976 |
| Net loans and leases to total assets | 26.0940% | 6,917 |
| Net loans and leases to deposits | 45.3649% | 6,431 |
| Net loans and leases to core deposits | 47.1759% | 6,464 |
| Total domestic deposits to total assets | 57.5202% | 7,084 |
| Equity capital to assets | 10.8159% | 3,481 |
| Core capital (leverage) ratio | 10.4256% | 3,005 |
| Tier 1 risk-based capital ratio | 22.1136% | 1,312 |
| Total risk-based capital ratio | 23.3665% | 1,290 |
| Memoranda: | ||
| Average total assets | $350,833,750 | 1,866 |
| Average earning assets | $317,254,000 | 1,888 |
| Average equity | $37,610,000 | 1,864 |
| Average total loans | $95,595,500 | 3,664 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 5,843 |
| Cost of funding earning assets | 0.6122% | 4,788 |
| Net interest margin | 3.3149% | 5,406 |
| Noninterest income to average assets | 0.5957% | 3,282 |
| Noninterest expense to average assets | 2.4917% | 5,166 |
| Loan and lease loss provision to assets | 0.1388% | 3,785 |
| Net operating income to assets | 0.7049% | 3,844 |
| Return on assets (ROA) | 1.1626% | 2,043 |
| Pretax return on assets | 1.5830% | 1,595 |
| Return on Equity (ROE) | 10.8788% | 2,027 |
| Retained earnings to average equity (ytd only) | 10.0561% | 959 |
| Net charge-offs to loans | 0.7741% | 1,419 |
| Credit loss provision to net charge-offs | 65.3951% | 3,679 |
| Earnings coverage of net charge-offs (x) | 5.1580% | 2,893 |
| Efficiency ratio | 69.4727% | 3,854 |
| Assets per employee ($millions) | 6.1100% | 1,163 |
| Cash dividends to net income (ytd only)* | 7.5622% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5621% | 1,189 |
| Loan loss allowance to noncurrent loans | 94.5799% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9930% | 4,388 |
| Noncurrent loans to loans | 2.7089% | 2,217 |
| Net loans and leases to total assets | 26.2177% | 6,970 |
| Net loans and leases to deposits | 44.2511% | 6,543 |
| Net loans and leases to core deposits | 46.0133% | 6,574 |
| Total domestic deposits to total assets | 59.2476% | 7,139 |
| Equity capital to assets | 10.7094% | 3,444 |
| Core capital (leverage) ratio | 10.4255% | 2,890 |
| Tier 1 risk-based capital ratio | 21.0465% | 1,473 |
| Total risk-based capital ratio | 22.2995% | 1,447 |
| Memoranda: | ||
| Average total assets | $345,791,000 | 1,892 |
| Average earning assets | $311,989,670 | 1,920 |
| Average equity | $36,952,670 | 1,885 |
| Average total loans | $94,814,670 | 3,697 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 5,644 |
| Cost of funding earning assets | 0.6830% | 4,429 |
| Net interest margin | 3.3536% | 5,298 |
| Noninterest income to average assets | 0.5306% | 3,695 |
| Noninterest expense to average assets | 2.4551% | 5,303 |
| Loan and lease loss provision to assets | 0.1816% | 3,157 |
| Net operating income to assets | 0.6635% | 4,060 |
| Return on assets (ROA) | 1.1303% | 2,138 |
| Pretax return on assets | 1.5532% | 1,730 |
| Return on Equity (ROE) | 10.5890% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.7550% | 1,335 |
| Net charge-offs to loans | 0.5246% | 1,777 |
| Credit loss provision to net charge-offs | 125.0000% | 1,908 |
| Earnings coverage of net charge-offs (x) | 7.5403% | 2,064 |
| Efficiency ratio | 69.1521% | 3,954 |
| Assets per employee ($millions) | 5.7084% | 1,518 |
| Cash dividends to net income (ytd only)* | 7.8756% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7867% | 1,022 |
| Loan loss allowance to noncurrent loans | 89.5661% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.3174% | 3,921 |
| Noncurrent loans to loans | 3.1113% | 2,059 |
| Net loans and leases to total assets | 26.4917% | 7,022 |
| Net loans and leases to deposits | 45.4892% | 6,468 |
| Net loans and leases to core deposits | 47.4886% | 6,484 |
| Total domestic deposits to total assets | 58.2374% | 7,210 |
| Equity capital to assets | 10.7500% | 3,211 |
| Core capital (leverage) ratio | 10.2395% | 3,064 |
| Tier 1 risk-based capital ratio | 21.4870% | 1,386 |
| Total risk-based capital ratio | 22.7423% | 1,353 |
| Memoranda: | ||
| Average total assets | $341,497,000 | 1,920 |
| Average earning assets | $307,488,000 | 1,941 |
| Average equity | $36,453,000 | 1,906 |
| Average total loans | $94,545,500 | 3,718 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 5,555 |
| Cost of funding earning assets | 0.8882% | 4,200 |
| Net interest margin | 3.4764% | 5,232 |
| Noninterest income to average assets | 0.5978% | 3,175 |
| Noninterest expense to average assets | 2.8548% | 4,150 |
| Loan and lease loss provision to assets | 0.1979% | 4,209 |
| Net operating income to assets | 0.5863% | 4,071 |
| Return on assets (ROA) | 0.6254% | 4,055 |
| Pretax return on assets | 0.6875% | 4,374 |
| Return on Equity (ROE) | 5.6461% | 4,058 |
| Retained earnings to average equity (ytd only) | 4.7701% | 2,809 |
| Net charge-offs to loans | 0.4472% | 3,198 |
| Credit loss provision to net charge-offs | 144.0559% | 2,006 |
| Earnings coverage of net charge-offs (x) | 6.1329% | 2,586 |
| Efficiency ratio | 77.2129% | 2,711 |
| Assets per employee ($millions) | 5.4046% | 1,740 |
| Cash dividends to net income (ytd only)* | 15.5146% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6839% | 1,090 |
| Loan loss allowance to noncurrent loans | 70.5269% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.5343% | 3,654 |
| Noncurrent loans to loans | 3.8055% | 1,648 |
| Net loans and leases to total assets | 27.3678% | 7,080 |
| Net loans and leases to deposits | 47.0584% | 6,561 |
| Net loans and leases to core deposits | 50.7411% | 6,487 |
| Total domestic deposits to total assets | 58.1572% | 7,252 |
| Equity capital to assets | 10.5985% | 3,418 |
| Core capital (leverage) ratio | 10.2526% | 3,025 |
| Tier 1 risk-based capital ratio | 20.7672% | 1,467 |
| Total risk-based capital ratio | 22.0220% | 1,440 |
| Memoranda: | ||
| Average total assets | $312,285,800 | 2,054 |
| Average earning assets | $278,420,800 | 2,111 |
| Average equity | $34,590,200 | 1,940 |
| Average total loans | $95,940,800 | 3,727 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 5,532 |
| Cost of funding earning assets | 0.9257% | 4,230 |
| Net interest margin | 3.4966% | 5,205 |
| Noninterest income to average assets | 0.6172% | 3,069 |
| Noninterest expense to average assets | 2.8716% | 4,050 |
| Loan and lease loss provision to assets | 0.2678% | 3,365 |
| Net operating income to assets | 0.5654% | 4,247 |
| Return on assets (ROA) | 0.5700% | 4,399 |
| Pretax return on assets | 0.5910% | 4,841 |
| Return on Equity (ROE) | 5.0852% | 4,497 |
| Retained earnings to average equity (ytd only) | 4.2007% | 3,744 |
| Net charge-offs to loans | 0.2834% | 3,662 |
| Credit loss provision to net charge-offs | 300.4902% | 943 |
| Earnings coverage of net charge-offs (x) | 9.5834% | 2,028 |
| Efficiency ratio | 77.0782% | 2,667 |
| Assets per employee ($millions) | 5.1629% | 1,979 |
| Cash dividends to net income (ytd only)* | 17.3947% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8849% | 949 |
| Loan loss allowance to noncurrent loans | 103.4099% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 1.4271% | 3,981 |
| Noncurrent loans to loans | 2.7898% | 2,498 |
| Net loans and leases to total assets | 28.8746% | 7,124 |
| Net loans and leases to deposits | 46.5725% | 6,715 |
| Net loans and leases to core deposits | 50.1351% | 6,661 |
| Total domestic deposits to total assets | 61.9993% | 7,274 |
| Equity capital to assets | 11.1767% | 2,980 |
| Core capital (leverage) ratio | 10.2997% | 3,082 |
| Tier 1 risk-based capital ratio | 19.9858% | 1,687 |
| Total risk-based capital ratio | 21.2425% | 1,659 |
| Memoranda: | ||
| Average total assets | $305,234,500 | 2,105 |
| Average earning assets | $271,345,000 | 2,164 |
| Average equity | $34,216,000 | 1,961 |
| Average total loans | $95,987,250 | 3,758 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 5,277 |
| Cost of funding earning assets | 0.9524% | 4,299 |
| Net interest margin | 3.5721% | 4,830 |
| Noninterest income to average assets | 0.6578% | 2,779 |
| Noninterest expense to average assets | 3.0132% | 3,588 |
| Loan and lease loss provision to assets | 0.2726% | 3,208 |
| Net operating income to assets | 0.5480% | 4,318 |
| Return on assets (ROA) | 0.5480% | 4,447 |
| Pretax return on assets | 0.5379% | 4,940 |
| Return on Equity (ROE) | 4.8831% | 4,508 |
| Retained earnings to average equity (ytd only) | 3.9817% | 3,666 |
| Net charge-offs to loans | 0.4575% | 2,751 |
| Credit loss provision to net charge-offs | 185.8447% | 1,625 |
| Earnings coverage of net charge-offs (x) | 5.5251% | 2,598 |
| Efficiency ratio | 78.8017% | 2,587 |
| Assets per employee ($millions) | 4.9525% | 2,195 |
| Cash dividends to net income (ytd only)* | 18.4597% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6690% | 1,212 |
| Loan loss allowance to noncurrent loans | 118.0064% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.3193% | 4,269 |
| Noncurrent loans to loans | 2.2617% | 3,148 |
| Net loans and leases to total assets | 30.5107% | 7,164 |
| Net loans and leases to deposits | 48.2594% | 6,711 |
| Net loans and leases to core deposits | 51.3892% | 6,695 |
| Total domestic deposits to total assets | 63.2223% | 7,326 |
| Equity capital to assets | 11.4098% | 2,592 |
| Core capital (leverage) ratio | 10.5911% | 2,622 |
| Tier 1 risk-based capital ratio | 19.4144% | 1,733 |
| Total risk-based capital ratio | 20.6691% | 1,705 |
| Memoranda: | ||
| Average total assets | $298,557,670 | 2,157 |
| Average earning assets | $264,606,330 | 2,219 |
| Average equity | $33,503,330 | 1,981 |
| Average total loans | $95,746,670 | 3,803 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5716% | 5,071 |
| Cost of funding earning assets | 0.9883% | 4,283 |
| Net interest margin | 3.5833% | 4,649 |
| Noninterest income to average assets | 0.6442% | 2,881 |
| Noninterest expense to average assets | 3.0566% | 3,433 |
| Loan and lease loss provision to assets | 0.2800% | 2,915 |
| Net operating income to assets | 0.4567% | 4,682 |
| Return on assets (ROA) | 0.4567% | 4,770 |
| Pretax return on assets | 0.4811% | 5,087 |
| Return on Equity (ROE) | 4.1053% | 4,843 |
| Retained earnings to average equity (ytd only) | 3.1890% | 4,260 |
| Net charge-offs to loans | 0.6493% | 1,904 |
| Credit loss provision to net charge-offs | 132.9032% | 2,089 |
| Earnings coverage of net charge-offs (x) | 3.6129% | 2,692 |
| Efficiency ratio | 80.0641% | 2,519 |
| Assets per employee ($millions) | 5.0472% | 2,098 |
| Cash dividends to net income (ytd only)* | 22.3214% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5261% | 1,426 |
| Loan loss allowance to noncurrent loans | 115.5344% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.3181% | 4,330 |
| Noncurrent loans to loans | 2.1865% | 3,338 |
| Net loans and leases to total assets | 31.5136% | 7,185 |
| Net loans and leases to deposits | 49.9043% | 6,631 |
| Net loans and leases to core deposits | 52.7226% | 6,643 |
| Total domestic deposits to total assets | 63.1480% | 7,380 |
| Equity capital to assets | 11.0990% | 2,587 |
| Core capital (leverage) ratio | 10.7431% | 2,404 |
| Tier 1 risk-based capital ratio | 19.3612% | 1,721 |
| Total risk-based capital ratio | 20.6147% | 1,691 |
| Memoranda: | ||
| Average total assets | $294,310,000 | 2,197 |
| Average earning assets | $260,652,000 | 2,266 |
| Average equity | $32,738,000 | 2,000 |
| Average total loans | $95,493,500 | 3,845 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 5,377 |
| Cost of funding earning assets | 1.1055% | 5,108 |
| Net interest margin | 3.7030% | 4,330 |
| Noninterest income to average assets | 0.6603% | 3,078 |
| Noninterest expense to average assets | 3.1914% | 3,126 |
| Loan and lease loss provision to assets | 0.4481% | 3,440 |
| Net operating income to assets | 0.2425% | 5,125 |
| Return on assets (ROA) | 0.5510% | 4,036 |
| Pretax return on assets | 0.6096% | 4,290 |
| Return on Equity (ROE) | 5.0889% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.0120% | 2,400 |
| Net charge-offs to loans | 0.7103% | 2,882 |
| Credit loss provision to net charge-offs | 192.9699% | 1,650 |
| Earnings coverage of net charge-offs (x) | 3.0789% | 3,533 |
| Efficiency ratio | 81.6988% | 2,203 |
| Assets per employee ($millions) | 4.9294% | 2,244 |
| Cash dividends to net income (ytd only)* | 1.5115% | 3,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5139% | 1,397 |
| Loan loss allowance to noncurrent loans | 152.4328% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 4,686 |
| Noncurrent loans to loans | 1.6492% | 4,032 |
| Net loans and leases to total assets | 31.7470% | 7,298 |
| Net loans and leases to deposits | 50.7029% | 6,819 |
| Net loans and leases to core deposits | 51.9040% | 6,914 |
| Total domestic deposits to total assets | 62.6138% | 7,471 |
| Equity capital to assets | 11.1489% | 2,554 |
| Core capital (leverage) ratio | 10.5900% | 2,468 |
| Tier 1 risk-based capital ratio | 19.4114% | 1,617 |
| Total risk-based capital ratio | 20.6649% | 1,584 |
| Memoranda: | ||
| Average total assets | $300,180,000 | 2,148 |
| Average earning assets | $263,135,200 | 2,230 |
| Average equity | $32,502,200 | 2,020 |
| Average total loans | $98,131,200 | 3,852 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 5,544 |
| Cost of funding earning assets | 1.1197% | 5,319 |
| Net interest margin | 3.7119% | 4,345 |
| Noninterest income to average assets | 0.6849% | 2,910 |
| Noninterest expense to average assets | 2.7687% | 4,602 |
| Loan and lease loss provision to assets | 0.4606% | 3,170 |
| Net operating income to assets | 0.5469% | 4,106 |
| Return on assets (ROA) | 0.8423% | 2,964 |
| Pretax return on assets | 1.0807% | 2,895 |
| Return on Equity (ROE) | 7.8346% | 2,975 |
| Retained earnings to average equity (ytd only) | 7.7321% | 1,503 |
| Net charge-offs to loans | 0.6533% | 2,798 |
| Credit loss provision to net charge-offs | 215.4639% | 1,621 |
| Earnings coverage of net charge-offs (x) | 5.4392% | 2,746 |
| Efficiency ratio | 70.4260% | 3,980 |
| Assets per employee ($millions) | 5.0692% | 2,090 |
| Cash dividends to net income (ytd only)* | 1.3081% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3932% | 1,485 |
| Loan loss allowance to noncurrent loans | 125.2321% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 1.5458% | 4,129 |
| Noncurrent loans to loans | 1.9110% | 3,791 |
| Net loans and leases to total assets | 30.2434% | 7,458 |
| Net loans and leases to deposits | 51.0118% | 6,946 |
| Net loans and leases to core deposits | 52.2035% | 7,040 |
| Total domestic deposits to total assets | 59.2870% | 7,604 |
| Equity capital to assets | 11.2376% | 2,743 |
| Core capital (leverage) ratio | 10.8685% | 2,356 |
| Tier 1 risk-based capital ratio | 20.9451% | 1,368 |
| Total risk-based capital ratio | 22.1981% | 1,340 |
| Memoranda: | ||
| Average total assets | $302,515,750 | 2,169 |
| Average earning assets | $264,585,750 | 2,256 |
| Average equity | $32,521,500 | 2,038 |
| Average total loans | $98,985,750 | 3,888 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8714% | 5,526 |
| Cost of funding earning assets | 1.1253% | 5,548 |
| Net interest margin | 3.7461% | 4,156 |
| Noninterest income to average assets | 0.7187% | 2,585 |
| Noninterest expense to average assets | 2.7574% | 4,671 |
| Loan and lease loss provision to assets | 0.3197% | 3,825 |
| Net operating income to assets | 0.7366% | 3,253 |
| Return on assets (ROA) | 0.7366% | 3,400 |
| Pretax return on assets | 0.8985% | 3,497 |
| Return on Equity (ROE) | 6.9606% | 3,319 |
| Retained earnings to average equity (ytd only) | 6.8032% | 1,923 |
| Net charge-offs to loans | 0.8536% | 2,123 |
| Credit loss provision to net charge-offs | 112.4122% | 3,617 |
| Earnings coverage of net charge-offs (x) | 4.2834% | 3,002 |
| Efficiency ratio | 69.3584% | 4,303 |
| Assets per employee ($millions) | 4.9973% | 2,193 |
| Cash dividends to net income (ytd only)* | 2.2604% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 2,776 |
| Loan loss allowance to noncurrent loans | 111.0006% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 1.5543% | 4,129 |
| Noncurrent loans to loans | 1.6065% | 4,305 |
| Net loans and leases to total assets | 32.2707% | 7,477 |
| Net loans and leases to deposits | 55.6557% | 6,753 |
| Net loans and leases to core deposits | 56.9082% | 6,893 |
| Total domestic deposits to total assets | 57.9827% | 7,684 |
| Equity capital to assets | 10.9128% | 2,955 |
| Core capital (leverage) ratio | 10.9203% | 2,304 |
| Tier 1 risk-based capital ratio | 20.5883% | 1,410 |
| Total risk-based capital ratio | 21.7026% | 1,407 |
| Memoranda: | ||
| Average total assets | $300,280,670 | 2,198 |
| Average earning assets | $261,074,670 | 2,293 |
| Average equity | $31,779,000 | 2,076 |
| Average total loans | $100,043,670 | 3,897 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9151% | 5,388 |
| Cost of funding earning assets | 1.1842% | 5,488 |
| Net interest margin | 3.7309% | 4,094 |
| Noninterest income to average assets | 0.7436% | 2,338 |
| Noninterest expense to average assets | 2.7879% | 4,528 |
| Loan and lease loss provision to assets | 0.3423% | 3,333 |
| Net operating income to assets | 0.6966% | 3,455 |
| Return on assets (ROA) | 0.6966% | 3,571 |
| Pretax return on assets | 0.8403% | 3,705 |
| Return on Equity (ROE) | 6.6891% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.3669% | 2,433 |
| Net charge-offs to loans | 1.2682% | 1,343 |
| Credit loss provision to net charge-offs | 80.4416% | 3,869 |
| Earnings coverage of net charge-offs (x) | 2.7792% | 3,160 |
| Efficiency ratio | 70.2164% | 4,261 |
| Assets per employee ($millions) | 4.9157% | 2,348 |
| Cash dividends to net income (ytd only)* | 4.8170% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 3,100 |
| Loan loss allowance to noncurrent loans | 124.0535% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 1.6344% | 4,033 |
| Noncurrent loans to loans | 1.3627% | 4,700 |
| Net loans and leases to total assets | 32.4078% | 7,556 |
| Net loans and leases to deposits | 55.8273% | 6,788 |
| Net loans and leases to core deposits | 57.0632% | 6,932 |
| Total domestic deposits to total assets | 58.0501% | 7,779 |
| Equity capital to assets | 10.5853% | 3,158 |
| Core capital (leverage) ratio | 11.1457% | 2,132 |
| Tier 1 risk-based capital ratio | 19.8647% | 1,549 |
| Total risk-based capital ratio | 20.8889% | 1,563 |
| Memoranda: | ||
| Average total assets | $298,004,000 | 2,259 |
| Average earning assets | $257,737,500 | 2,373 |
| Average equity | $31,035,500 | 2,142 |
| Average total loans | $99,986,500 | 3,961 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1924% | 5,682 |
| Cost of funding earning assets | 1.3105% | 6,273 |
| Net interest margin | 3.8819% | 3,341 |
| Noninterest income to average assets | 0.7016% | 2,964 |
| Noninterest expense to average assets | 2.5992% | 5,800 |
| Loan and lease loss provision to assets | 0.5354% | 3,692 |
| Net operating income to assets | 0.8112% | 2,491 |
| Return on assets (ROA) | -0.2096% | 5,846 |
| Pretax return on assets | -0.6259% | 6,117 |
| Return on Equity (ROE) | -2.1028% | 5,873 |
| Retained earnings to average equity (ytd only) | -3.9287% | 5,853 |
| Net charge-offs to loans | 1.6849% | 1,496 |
| Credit loss provision to net charge-offs | 90.2439% | 5,991 |
| Earnings coverage of net charge-offs (x) | 2.5360% | 3,856 |
| Efficiency ratio | 63.3374% | 5,904 |
| Assets per employee ($millions) | 5.1060% | 2,074 |
| Cash dividends to net income (ytd only)* | -86.8379% | 7,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 2,855 |
| Loan loss allowance to noncurrent loans | 100.9907% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.7819% | 3,700 |
| Noncurrent loans to loans | 1.6969% | 4,097 |
| Net loans and leases to total assets | 33.5613% | 7,611 |
| Net loans and leases to deposits | 57.6504% | 6,808 |
| Net loans and leases to core deposits | 63.9751% | 7,089 |
| Total domestic deposits to total assets | 58.2151% | 7,830 |
| Equity capital to assets | 10.2415% | 3,467 |
| Core capital (leverage) ratio | 10.7111% | 2,418 |
| Tier 1 risk-based capital ratio | 19.1495% | 1,623 |
| Total risk-based capital ratio | 20.1894% | 1,633 |
| Memoranda: | ||
| Average total assets | $297,163,800 | 2,231 |
| Average earning assets | $260,436,200 | 2,324 |
| Average equity | $29,627,800 | 2,253 |
| Average total loans | $104,636,800 | 3,816 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 5,809 |
| Cost of funding earning assets | 1.3381% | 6,440 |
| Net interest margin | 3.8793% | 3,314 |
| Noninterest income to average assets | 0.6940% | 3,057 |
| Noninterest expense to average assets | 2.4889% | 6,102 |
| Loan and lease loss provision to assets | 0.6684% | 2,734 |
| Net operating income to assets | 0.7406% | 3,059 |
| Return on assets (ROA) | 0.7755% | 2,975 |
| Pretax return on assets | 0.9930% | 2,929 |
| Return on Equity (ROE) | 7.8317% | 2,715 |
| Retained earnings to average equity (ytd only) | 5.3826% | 2,264 |
| Net charge-offs to loans | 2.0382% | 961 |
| Credit loss provision to net charge-offs | 92.4365% | 5,419 |
| Earnings coverage of net charge-offs (x) | 2.2356% | 4,146 |
| Efficiency ratio | 60.6246% | 6,334 |
| Assets per employee ($millions) | 5.1214% | 2,002 |
| Cash dividends to net income (ytd only)* | 31.2719% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 2,412 |
| Loan loss allowance to noncurrent loans | 97.8058% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.6769% | 3,862 |
| Noncurrent loans to loans | 1.7980% | 3,917 |
| Net loans and leases to total assets | 32.9649% | 7,715 |
| Net loans and leases to deposits | 59.2180% | 6,888 |
| Net loans and leases to core deposits | 65.5098% | 7,182 |
| Total domestic deposits to total assets | 55.6670% | 7,929 |
| Equity capital to assets | 10.0999% | 3,961 |
| Core capital (leverage) ratio | 11.4013% | 2,124 |
| Tier 1 risk-based capital ratio | 20.2230% | 1,513 |
| Total risk-based capital ratio | 21.2887% | 1,497 |
| Memoranda: | ||
| Average total assets | $297,417,750 | 2,245 |
| Average earning assets | $261,553,000 | 2,324 |
| Average equity | $29,452,250 | 2,293 |
| Average total loans | $105,515,000 | 3,835 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 5,588 |
| Cost of funding earning assets | 1.3737% | 6,571 |
| Net interest margin | 3.9418% | 2,922 |
| Noninterest income to average assets | 0.6909% | 3,047 |
| Noninterest expense to average assets | 2.4392% | 6,338 |
| Loan and lease loss provision to assets | 0.1284% | 5,815 |
| Net operating income to assets | 1.1080% | 1,745 |
| Return on assets (ROA) | 1.1547% | 1,680 |
| Pretax return on assets | 1.6671% | 1,078 |
| Return on Equity (ROE) | 11.7400% | 1,500 |
| Retained earnings to average equity (ytd only) | 8.0214% | 1,199 |
| Net charge-offs to loans | 0.1852% | 4,409 |
| Credit loss provision to net charge-offs | 191.9192% | 2,380 |
| Earnings coverage of net charge-offs (x) | 25.8182% | 1,107 |
| Efficiency ratio | 58.5334% | 6,764 |
| Assets per employee ($millions) | 5.0875% | 1,984 |
| Cash dividends to net income (ytd only)* | 31.6745% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 1,804 |
| Loan loss allowance to noncurrent loans | 33.9687% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 2.0692% | 3,101 |
| Noncurrent loans to loans | 5.5815% | 1,033 |
| Net loans and leases to total assets | 34.4079% | 7,759 |
| Net loans and leases to deposits | 61.7113% | 6,752 |
| Net loans and leases to core deposits | 67.9465% | 7,125 |
| Total domestic deposits to total assets | 55.7562% | 8,009 |
| Equity capital to assets | 9.7740% | 4,253 |
| Core capital (leverage) ratio | 11.6411% | 2,009 |
| Tier 1 risk-based capital ratio | 20.2204% | 1,531 |
| Total risk-based capital ratio | 21.3985% | 1,512 |
| Memoranda: | ||
| Average total assets | $295,836,670 | 2,280 |
| Average earning assets | $260,898,000 | 2,343 |
| Average equity | $29,097,000 | 2,332 |
| Average total loans | $106,890,000 | 3,837 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 5,095 |
| Cost of funding earning assets | 1.4528% | 6,561 |
| Net interest margin | 4.0115% | 2,598 |
| Noninterest income to average assets | 0.6838% | 2,981 |
| Noninterest expense to average assets | 2.3496% | 6,370 |
| Loan and lease loss provision to assets | 0.1090% | 5,576 |
| Net operating income to assets | 1.2313% | 1,560 |
| Return on assets (ROA) | 1.3266% | 1,425 |
| Pretax return on assets | 1.9042% | 789 |
| Return on Equity (ROE) | 13.4454% | 1,282 |
| Retained earnings to average equity (ytd only) | 9.6492% | 1,297 |
| Net charge-offs to loans | 0.1746% | 3,589 |
| Credit loss provision to net charge-offs | 170.2128% | 2,521 |
| Earnings coverage of net charge-offs (x) | 29.3191% | 1,075 |
| Efficiency ratio | 55.5914% | 7,018 |
| Assets per employee ($millions) | 4.6290% | 2,532 |
| Cash dividends to net income (ytd only)* | 28.2341% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8337% | 1,773 |
| Loan loss allowance to noncurrent loans | 55.8824% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 1.3178% | 4,032 |
| Noncurrent loans to loans | 3.2814% | 1,953 |
| Net loans and leases to total assets | 35.5760% | 7,743 |
| Net loans and leases to deposits | 62.8822% | 6,655 |
| Net loans and leases to core deposits | 69.3581% | 7,060 |
| Total domestic deposits to total assets | 56.5756% | 8,037 |
| Equity capital to assets | 9.5906% | 4,542 |
| Core capital (leverage) ratio | 11.5364% | 2,124 |
| Tier 1 risk-based capital ratio | 20.7479% | 1,485 |
| Total risk-based capital ratio | 21.9383% | 1,466 |
| Memoranda: | ||
| Average total assets | $293,673,000 | 2,310 |
| Average earning assets | $259,354,500 | 2,371 |
| Average equity | $28,976,500 | 2,348 |
| Average total loans | $107,697,000 | 3,850 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9895% | 5,595 |
| Cost of funding earning assets | 1.7249% | 7,203 |
| Net interest margin | 4.2646% | 2,084 |
| Noninterest income to average assets | 0.8161% | 2,423 |
| Noninterest expense to average assets | 2.7256% | 5,151 |
| Loan and lease loss provision to assets | 0.0823% | 6,359 |
| Net operating income to assets | 1.4031% | 1,220 |
| Return on assets (ROA) | -1.2044% | 7,290 |
| Pretax return on assets | -2.2910% | 7,533 |
| Return on Equity (ROE) | -9.6103% | 7,251 |
| Retained earnings to average equity (ytd only) | -12.8586% | 7,320 |
| Net charge-offs to loans | 0.1606% | 4,589 |
| Credit loss provision to net charge-offs | 124.2775% | 4,308 |
| Earnings coverage of net charge-offs (x) | 28.1850% | 1,222 |
| Efficiency ratio | 59.3667% | 6,460 |
| Assets per employee ($millions) | 4.9286% | 2,025 |
| Cash dividends to net income (ytd only)* | -33.7992% | 8,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 1,804 |
| Loan loss allowance to noncurrent loans | 95.2024% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8626% | 4,692 |
| Noncurrent loans to loans | 1.8240% | 3,023 |
| Net loans and leases to total assets | 36.4541% | 7,814 |
| Net loans and leases to deposits | 66.3681% | 6,614 |
| Net loans and leases to core deposits | 72.4406% | 7,051 |
| Total domestic deposits to total assets | 54.9272% | 8,074 |
| Equity capital to assets | 10.1394% | 3,875 |
| Core capital (leverage) ratio | 11.9065% | 2,019 |
| Tier 1 risk-based capital ratio | 20.1135% | 1,600 |
| Total risk-based capital ratio | 21.2722% | 1,581 |
| Memoranda: | ||
| Average total assets | $261,374,000 | 2,455 |
| Average earning assets | $231,371,800 | 2,541 |
| Average equity | $32,756,400 | 2,069 |
| Average total loans | $107,729,600 | 3,745 |