Home > The Citizens National Bank of Southwestern Ohio > Performance and Condition Ratios
The Citizens National Bank of Southwestern Ohio, Performance and Condition Ratios
| 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 | 4.6880% | 1,339 |
| Cost of funding earning assets | 0.3405% | 4,362 |
| Net interest margin | 4.3475% | 972 |
| Noninterest income to average assets | 0.3103% | 4,902 |
| Noninterest expense to average assets | 3.2830% | 1,969 |
| Loan and lease loss provision to assets | 0.0337% | 3,917 |
| Net operating income to assets | 0.7551% | 3,599 |
| Return on assets (ROA) | 0.8326% | 3,304 |
| Pretax return on assets | 1.2430% | 2,476 |
| Return on Equity (ROE) | 7.6306% | 3,307 |
| Retained earnings to average equity (ytd only) | 5.3874% | 2,340 |
| Net charge-offs to loans | 0.0352% | 4,129 |
| Credit loss provision to net charge-offs | 129.6296% | 1,840 |
| Earnings coverage of net charge-offs (x) | 44.6296% | 1,007 |
| Efficiency ratio | 73.8725% | 2,858 |
| Assets per employee ($millions) | 4.4628% | 3,091 |
| Cash dividends to net income (ytd only)* | 29.3981% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6666% | 1,874 |
| Loan loss allowance to noncurrent loans | 990.0763% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 5,522 |
| Noncurrent loans to loans | 0.1683% | 5,225 |
| Net loans and leases to total assets | 74.5540% | 1,486 |
| Net loans and leases to deposits | 84.3466% | 2,172 |
| Net loans and leases to core deposits | 85.8069% | 2,709 |
| Total domestic deposits to total assets | 88.3901% | 1,573 |
| Equity capital to assets | 11.2689% | 2,634 |
| Core capital (leverage) ratio | 10.7898% | 2,625 |
| Tier 1 risk-based capital ratio | 14.5327% | 3,757 |
| Total risk-based capital ratio | 15.7880% | 3,692 |
| Memoranda: | ||
| Average total assets | $103,777,400 | 4,505 |
| Average earning assets | $98,677,600 | 4,432 |
| Average equity | $11,322,800 | 4,495 |
| Average total loans | $76,728,000 | 3,979 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 1,341 |
| Cost of funding earning assets | 0.3396% | 4,465 |
| Net interest margin | 4.3466% | 961 |
| Noninterest income to average assets | 0.3242% | 4,837 |
| Noninterest expense to average assets | 3.1699% | 2,265 |
| Loan and lease loss provision to assets | 0.0448% | 3,497 |
| Net operating income to assets | 0.8323% | 3,274 |
| Return on assets (ROA) | 0.9353% | 2,841 |
| Pretax return on assets | 1.3953% | 2,030 |
| Return on Equity (ROE) | 8.6426% | 2,878 |
| Retained earnings to average equity (ytd only) | 7.8730% | 1,417 |
| Net charge-offs to loans | 0.0558% | 3,421 |
| Credit loss provision to net charge-offs | 109.3750% | 2,050 |
| Earnings coverage of net charge-offs (x) | 31.3717% | 1,329 |
| Efficiency ratio | 71.1328% | 3,323 |
| Assets per employee ($millions) | 4.2699% | 3,346 |
| Cash dividends to net income (ytd only)* | 8.9036% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 2,105 |
| Loan loss allowance to noncurrent loans | 971.4286% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 5,665 |
| Noncurrent loans to loans | 0.1707% | 5,396 |
| Net loans and leases to total assets | 71.7737% | 1,887 |
| Net loans and leases to deposits | 80.8401% | 2,572 |
| Net loans and leases to core deposits | 84.4385% | 2,836 |
| Total domestic deposits to total assets | 88.7848% | 1,361 |
| Equity capital to assets | 10.8864% | 3,080 |
| Core capital (leverage) ratio | 10.8682% | 2,610 |
| Tier 1 risk-based capital ratio | 14.4320% | 3,923 |
| Total risk-based capital ratio | 15.6865% | 3,870 |
| Memoranda: | ||
| Average total assets | $104,060,500 | 4,544 |
| Average earning assets | $98,926,000 | 4,461 |
| Average equity | $11,261,750 | 4,538 |
| Average total loans | $76,454,250 | 4,015 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 1,175 |
| Cost of funding earning assets | 0.3511% | 4,426 |
| Net interest margin | 4.3989% | 853 |
| Noninterest income to average assets | 0.3218% | 4,843 |
| Noninterest expense to average assets | 3.2182% | 2,132 |
| Loan and lease loss provision to assets | 0.0582% | 3,128 |
| Net operating income to assets | 0.8232% | 3,219 |
| Return on assets (ROA) | 0.9790% | 2,492 |
| Pretax return on assets | 1.4559% | 1,692 |
| Return on Equity (ROE) | 9.0648% | 2,560 |
| Retained earnings to average equity (ytd only) | 9.0648% | 968 |
| Net charge-offs to loans | 0.0606% | 3,110 |
| Credit loss provision to net charge-offs | 130.4348% | 1,604 |
| Earnings coverage of net charge-offs (x) | 28.7391% | 1,295 |
| Efficiency ratio | 71.5209% | 3,430 |
| Assets per employee ($millions) | 4.1914% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7108% | 2,100 |
| Loan loss allowance to noncurrent loans | 939.1304% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 5,763 |
| Noncurrent loans to loans | 0.1822% | 5,464 |
| Net loans and leases to total assets | 71.0572% | 1,912 |
| Net loans and leases to deposits | 80.0710% | 2,506 |
| Net loans and leases to core deposits | 83.3395% | 2,809 |
| Total domestic deposits to total assets | 88.7428% | 1,507 |
| Equity capital to assets | 10.9404% | 2,936 |
| Core capital (leverage) ratio | 10.8333% | 2,593 |
| Tier 1 risk-based capital ratio | 14.5603% | 3,891 |
| Total risk-based capital ratio | 15.8152% | 3,835 |
| Memoranda: | ||
| Average total assets | $103,164,670 | 4,603 |
| Average earning assets | $97,979,000 | 4,529 |
| Average equity | $11,142,000 | 4,571 |
| Average total loans | $75,969,330 | 4,043 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 1,167 |
| Cost of funding earning assets | 0.3585% | 4,455 |
| Net interest margin | 4.3807% | 836 |
| Noninterest income to average assets | 0.3634% | 4,483 |
| Noninterest expense to average assets | 3.2554% | 2,054 |
| Loan and lease loss provision to assets | 0.0782% | 2,587 |
| Net operating income to assets | 0.8011% | 3,150 |
| Return on assets (ROA) | 0.8011% | 3,229 |
| Pretax return on assets | 1.1841% | 2,551 |
| Return on Equity (ROE) | 7.4674% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.4674% | 1,834 |
| Net charge-offs to loans | 0.1209% | 1,998 |
| Credit loss provision to net charge-offs | 86.9565% | 1,826 |
| Earnings coverage of net charge-offs (x) | 14.0435% | 1,629 |
| Efficiency ratio | 72.0588% | 3,478 |
| Assets per employee ($millions) | 3.9594% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 2,343 |
| Loan loss allowance to noncurrent loans | 893.0556% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 5,830 |
| Noncurrent loans to loans | 0.1907% | 5,519 |
| Net loans and leases to total assets | 72.1004% | 1,562 |
| Net loans and leases to deposits | 80.9932% | 2,166 |
| Net loans and leases to core deposits | 83.8242% | 2,535 |
| Total domestic deposits to total assets | 89.0202% | 1,646 |
| Equity capital to assets | 10.8107% | 2,926 |
| Core capital (leverage) ratio | 10.7683% | 2,633 |
| Tier 1 risk-based capital ratio | 14.3586% | 4,093 |
| Total risk-based capital ratio | 15.6146% | 4,045 |
| Memoranda: | ||
| Average total assets | $102,354,000 | 4,675 |
| Average earning assets | $97,062,500 | 4,595 |
| Average equity | $10,981,000 | 4,619 |
| Average total loans | $76,077,000 | 4,065 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8702% | 1,156 |
| Cost of funding earning assets | 0.3795% | 4,842 |
| Net interest margin | 4.4908% | 748 |
| Noninterest income to average assets | 0.3157% | 5,081 |
| Noninterest expense to average assets | 3.1476% | 2,600 |
| Loan and lease loss provision to assets | 0.0768% | 3,572 |
| Net operating income to assets | 0.9035% | 2,760 |
| Return on assets (ROA) | 0.9779% | 2,497 |
| Pretax return on assets | 1.4366% | 1,665 |
| Return on Equity (ROE) | 9.5564% | 2,305 |
| Retained earnings to average equity (ytd only) | 8.1497% | 1,008 |
| Net charge-offs to loans | 0.0450% | 4,590 |
| Credit loss provision to net charge-offs | 242.4242% | 947 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 869 |
| Efficiency ratio | 69.1545% | 3,986 |
| Assets per employee ($millions) | 4.2402% | 3,376 |
| Cash dividends to net income (ytd only)* | 14.7203% | 3,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 2,457 |
| Loan loss allowance to noncurrent loans | 7,161.1111% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 6,359 |
| Noncurrent loans to loans | 0.0235% | 6,194 |
| Net loans and leases to total assets | 74.0498% | 1,342 |
| Net loans and leases to deposits | 83.2415% | 2,030 |
| Net loans and leases to core deposits | 83.5590% | 2,717 |
| Total domestic deposits to total assets | 88.9578% | 1,660 |
| Equity capital to assets | 10.6452% | 2,981 |
| Core capital (leverage) ratio | 10.3573% | 3,079 |
| Tier 1 risk-based capital ratio | 13.9925% | 4,302 |
| Total risk-based capital ratio | 15.2475% | 4,236 |
| Memoranda: | ||
| Average total assets | $104,206,600 | 4,639 |
| Average earning assets | $98,290,800 | 4,560 |
| Average equity | $10,663,000 | 4,707 |
| Average total loans | $73,386,000 | 4,153 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8406% | 1,260 |
| Cost of funding earning assets | 0.3808% | 4,992 |
| Net interest margin | 4.4599% | 790 |
| Noninterest income to average assets | 0.3256% | 5,080 |
| Noninterest expense to average assets | 3.1750% | 2,437 |
| Loan and lease loss provision to assets | 0.1018% | 3,070 |
| Net operating income to assets | 0.8465% | 3,117 |
| Return on assets (ROA) | 0.9451% | 2,726 |
| Pretax return on assets | 1.3954% | 1,946 |
| Return on Equity (ROE) | 9.3276% | 2,468 |
| Retained earnings to average equity (ytd only) | 9.3276% | 954 |
| Net charge-offs to loans | 0.0625% | 4,012 |
| Credit loss provision to net charge-offs | 235.2941% | 1,032 |
| Earnings coverage of net charge-offs (x) | 31.2663% | 1,201 |
| Efficiency ratio | 70.1321% | 3,742 |
| Assets per employee ($millions) | 3.9263% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 2,593 |
| Loan loss allowance to noncurrent loans | 503.1250% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 5,691 |
| Noncurrent loans to loans | 0.3401% | 5,368 |
| Net loans and leases to total assets | 72.4651% | 1,534 |
| Net loans and leases to deposits | 81.3200% | 2,227 |
| Net loans and leases to core deposits | 81.6810% | 2,911 |
| Total domestic deposits to total assets | 89.1110% | 1,504 |
| Equity capital to assets | 10.5226% | 3,249 |
| Core capital (leverage) ratio | 10.3959% | 3,109 |
| Tier 1 risk-based capital ratio | 13.3241% | 4,889 |
| Total risk-based capital ratio | 14.5784% | 4,825 |
| Memoranda: | ||
| Average total assets | $104,817,250 | 4,672 |
| Average earning assets | $98,744,750 | 4,595 |
| Average equity | $10,620,500 | 4,770 |
| Average total loans | $72,571,250 | 4,205 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 1,377 |
| Cost of funding earning assets | 0.3760% | 5,177 |
| Net interest margin | 4.4025% | 839 |
| Noninterest income to average assets | 0.3481% | 4,906 |
| Noninterest expense to average assets | 3.1553% | 2,499 |
| Loan and lease loss provision to assets | 0.1135% | 2,919 |
| Net operating income to assets | 0.8546% | 3,021 |
| Return on assets (ROA) | 0.9061% | 2,900 |
| Pretax return on assets | 1.3412% | 2,153 |
| Return on Equity (ROE) | 9.0548% | 2,584 |
| Retained earnings to average equity (ytd only) | 9.0548% | 1,102 |
| Net charge-offs to loans | 0.0670% | 3,750 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 30.3750% | 1,137 |
| Efficiency ratio | 69.5870% | 3,909 |
| Assets per employee ($millions) | 4.0307% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 2,491 |
| Loan loss allowance to noncurrent loans | 3,550.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 6,414 |
| Noncurrent loans to loans | 0.0502% | 6,240 |
| Net loans and leases to total assets | 67.2220% | 2,376 |
| Net loans and leases to deposits | 75.0093% | 3,008 |
| Net loans and leases to core deposits | 75.3310% | 3,632 |
| Total domestic deposits to total assets | 89.6182% | 1,254 |
| Equity capital to assets | 10.1031% | 3,785 |
| Core capital (leverage) ratio | 9.9980% | 3,526 |
| Tier 1 risk-based capital ratio | 13.9374% | 4,466 |
| Total risk-based capital ratio | 15.1928% | 4,423 |
| Memoranda: | ||
| Average total assets | $105,728,000 | 4,681 |
| Average earning assets | $100,533,670 | 4,570 |
| Average equity | $10,580,000 | 4,813 |
| Average total loans | $71,673,670 | 4,250 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 1,442 |
| Cost of funding earning assets | 0.3801% | 5,285 |
| Net interest margin | 4.3555% | 872 |
| Noninterest income to average assets | 0.3390% | 4,988 |
| Noninterest expense to average assets | 3.2243% | 2,283 |
| Loan and lease loss provision to assets | 0.1695% | 2,165 |
| Net operating income to assets | 0.7353% | 3,509 |
| Return on assets (ROA) | 0.8362% | 3,114 |
| Pretax return on assets | 1.2393% | 2,437 |
| Return on Equity (ROE) | 8.3964% | 2,774 |
| Retained earnings to average equity (ytd only) | 8.3964% | 1,606 |
| Net charge-offs to loans | -0.0391% | 6,018 |
| Credit loss provision to net charge-offs | -642.8571% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9328% | 3,626 |
| Assets per employee ($millions) | 4.0339% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 2,603 |
| Loan loss allowance to noncurrent loans | 667.0103% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 6,016 |
| Noncurrent loans to loans | 0.2705% | 5,729 |
| Net loans and leases to total assets | 67.1399% | 2,164 |
| Net loans and leases to deposits | 74.8305% | 2,797 |
| Net loans and leases to core deposits | 76.0131% | 3,325 |
| Total domestic deposits to total assets | 89.7226% | 1,210 |
| Equity capital to assets | 10.1191% | 3,990 |
| Core capital (leverage) ratio | 9.6418% | 3,859 |
| Tier 1 risk-based capital ratio | 13.4722% | 4,891 |
| Total risk-based capital ratio | 14.7286% | 4,851 |
| Memoranda: | ||
| Average total assets | $106,192,500 | 4,711 |
| Average earning assets | $101,022,000 | 4,595 |
| Average equity | $10,576,000 | 4,867 |
| Average total loans | $71,647,500 | 4,284 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 2,399 |
| Cost of funding earning assets | 0.5146% | 5,119 |
| Net interest margin | 4.2347% | 1,563 |
| Noninterest income to average assets | 0.4024% | 4,592 |
| Noninterest expense to average assets | 2.8462% | 3,853 |
| Loan and lease loss provision to assets | 0.3219% | 2,118 |
| Net operating income to assets | 0.8896% | 2,868 |
| Return on assets (ROA) | 0.9292% | 2,902 |
| Pretax return on assets | 1.3088% | 2,367 |
| Return on Equity (ROE) | 10.3204% | 2,039 |
| Retained earnings to average equity (ytd only) | 9.5789% | 684 |
| Net charge-offs to loans | 0.4346% | 2,499 |
| Credit loss provision to net charge-offs | 113.1833% | 2,570 |
| Earnings coverage of net charge-offs (x) | 5.5370% | 3,012 |
| Efficiency ratio | 64.3773% | 4,817 |
| Assets per employee ($millions) | 4.4793% | 2,998 |
| Cash dividends to net income (ytd only)* | 7.1850% | 4,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 2,801 |
| Loan loss allowance to noncurrent loans | 605.8537% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 6,087 |
| Noncurrent loans to loans | 0.2864% | 5,764 |
| Net loans and leases to total assets | 65.4320% | 2,626 |
| Net loans and leases to deposits | 72.8020% | 3,281 |
| Net loans and leases to core deposits | 74.1535% | 3,763 |
| Total domestic deposits to total assets | 89.8767% | 1,025 |
| Equity capital to assets | 9.8034% | 4,444 |
| Core capital (leverage) ratio | 9.3869% | 4,272 |
| Tier 1 risk-based capital ratio | 13.1985% | 4,967 |
| Total risk-based capital ratio | 14.4542% | 4,905 |
| Memoranda: | ||
| Average total assets | $109,338,600 | 4,607 |
| Average earning assets | $103,761,800 | 4,498 |
| Average equity | $9,844,600 | 5,009 |
| Average total loans | $71,559,800 | 4,299 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 2,704 |
| Cost of funding earning assets | 0.5559% | 5,036 |
| Net interest margin | 4.1657% | 1,846 |
| Noninterest income to average assets | 0.3947% | 4,678 |
| Noninterest expense to average assets | 2.8306% | 3,870 |
| Loan and lease loss provision to assets | 0.3036% | 2,176 |
| Net operating income to assets | 0.8390% | 3,266 |
| Return on assets (ROA) | 0.8901% | 3,268 |
| Pretax return on assets | 1.2835% | 2,662 |
| Return on Equity (ROE) | 10.1056% | 2,297 |
| Retained earnings to average equity (ytd only) | 10.1056% | 885 |
| Net charge-offs to loans | 0.5087% | 2,084 |
| Credit loss provision to net charge-offs | 91.5751% | 3,247 |
| Earnings coverage of net charge-offs (x) | 4.5641% | 3,269 |
| Efficiency ratio | 65.1663% | 4,595 |
| Assets per employee ($millions) | 4.5046% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 3,438 |
| Loan loss allowance to noncurrent loans | 1,682.8571% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 6,573 |
| Noncurrent loans to loans | 0.0964% | 6,376 |
| Net loans and leases to total assets | 68.9178% | 2,129 |
| Net loans and leases to deposits | 76.8245% | 2,853 |
| Net loans and leases to core deposits | 78.3366% | 3,412 |
| Total domestic deposits to total assets | 89.7081% | 1,002 |
| Equity capital to assets | 9.9898% | 4,508 |
| Core capital (leverage) ratio | 9.0806% | 4,947 |
| Tier 1 risk-based capital ratio | 12.8099% | 5,399 |
| Total risk-based capital ratio | 14.0641% | 5,358 |
| Memoranda: | ||
| Average total assets | $109,797,250 | 4,645 |
| Average earning assets | $104,086,750 | 4,538 |
| Average equity | $9,671,000 | 5,108 |
| Average total loans | $71,553,750 | 4,339 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 3,078 |
| Cost of funding earning assets | 0.6035% | 4,876 |
| Net interest margin | 4.0602% | 2,247 |
| Noninterest income to average assets | 0.3433% | 5,094 |
| Noninterest expense to average assets | 2.7999% | 4,021 |
| Loan and lease loss provision to assets | 0.2950% | 2,218 |
| Net operating income to assets | 0.7579% | 3,561 |
| Return on assets (ROA) | 0.8332% | 3,491 |
| Pretax return on assets | 1.2069% | 2,893 |
| Return on Equity (ROE) | 9.8680% | 2,410 |
| Retained earnings to average equity (ytd only) | 9.8680% | 1,007 |
| Net charge-offs to loans | 0.8032% | 1,369 |
| Credit loss provision to net charge-offs | 57.6923% | 3,862 |
| Earnings coverage of net charge-offs (x) | 2.7238% | 3,650 |
| Efficiency ratio | 66.7804% | 4,364 |
| Assets per employee ($millions) | 4.6698% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 3,944 |
| Loan loss allowance to noncurrent loans | 574.4681% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 6,357 |
| Noncurrent loans to loans | 0.2637% | 6,054 |
| Net loans and leases to total assets | 65.3837% | 2,793 |
| Net loans and leases to deposits | 72.3003% | 3,567 |
| Net loans and leases to core deposits | 74.1046% | 4,021 |
| Total domestic deposits to total assets | 90.4335% | 703 |
| Equity capital to assets | 9.2676% | 5,366 |
| Core capital (leverage) ratio | 8.5331% | 5,606 |
| Tier 1 risk-based capital ratio | 12.4998% | 5,564 |
| Total risk-based capital ratio | 13.7518% | 5,544 |
| Memoranda: | ||
| Average total assets | $111,861,000 | 4,621 |
| Average earning assets | $106,053,670 | 4,508 |
| Average equity | $9,444,670 | 5,171 |
| Average total loans | $71,211,330 | 4,383 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6571% | 3,227 |
| Cost of funding earning assets | 0.6590% | 4,648 |
| Net interest margin | 3.9981% | 2,519 |
| Noninterest income to average assets | 0.4032% | 4,644 |
| Noninterest expense to average assets | 2.6856% | 4,477 |
| Loan and lease loss provision to assets | 0.3155% | 1,986 |
| Net operating income to assets | 0.8134% | 3,322 |
| Return on assets (ROA) | 0.8134% | 3,555 |
| Pretax return on assets | 1.1886% | 2,954 |
| Return on Equity (ROE) | 10.0979% | 2,372 |
| Retained earnings to average equity (ytd only) | 10.0979% | 1,247 |
| Net charge-offs to loans | 0.4103% | 2,074 |
| Credit loss provision to net charge-offs | 123.2877% | 1,939 |
| Earnings coverage of net charge-offs (x) | 5.8767% | 2,287 |
| Efficiency ratio | 64.1004% | 4,902 |
| Assets per employee ($millions) | 4.9545% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7165% | 3,279 |
| Loan loss allowance to noncurrent loans | 340.2235% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 6,105 |
| Noncurrent loans to loans | 0.5045% | 5,664 |
| Net loans and leases to total assets | 61.1993% | 3,412 |
| Net loans and leases to deposits | 66.7793% | 4,265 |
| Net loans and leases to core deposits | 69.6784% | 4,466 |
| Total domestic deposits to total assets | 91.6440% | 339 |
| Equity capital to assets | 8.1629% | 6,401 |
| Core capital (leverage) ratio | 8.1751% | 6,065 |
| Tier 1 risk-based capital ratio | 12.0606% | 5,921 |
| Total risk-based capital ratio | 13.3153% | 5,894 |
| Memoranda: | ||
| Average total assets | $114,088,500 | 4,597 |
| Average earning assets | $108,050,500 | 4,483 |
| Average equity | $9,190,000 | 5,244 |
| Average total loans | $71,164,000 | 4,411 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 3,752 |
| Cost of funding earning assets | 0.9911% | 3,443 |
| Net interest margin | 3.8214% | 3,718 |
| Noninterest income to average assets | 0.2935% | 5,432 |
| Noninterest expense to average assets | 2.5994% | 5,096 |
| Loan and lease loss provision to assets | 0.6040% | 1,713 |
| Net operating income to assets | 0.4937% | 4,454 |
| Return on assets (ROA) | 0.5481% | 4,429 |
| Pretax return on assets | 0.7884% | 4,023 |
| Return on Equity (ROE) | 6.5937% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.5937% | 1,697 |
| Net charge-offs to loans | 0.8656% | 2,002 |
| Credit loss provision to net charge-offs | 110.8696% | 3,008 |
| Earnings coverage of net charge-offs (x) | 2.4130% | 4,009 |
| Efficiency ratio | 66.4145% | 4,679 |
| Assets per employee ($millions) | 4.3932% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 3,266 |
| Loan loss allowance to noncurrent loans | 192.7769% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 5,607 |
| Noncurrent loans to loans | 0.8729% | 4,943 |
| Net loans and leases to total assets | 61.4325% | 3,704 |
| Net loans and leases to deposits | 66.9401% | 4,595 |
| Net loans and leases to core deposits | 69.9580% | 4,780 |
| Total domestic deposits to total assets | 91.7722% | 270 |
| Equity capital to assets | 7.9476% | 6,605 |
| Core capital (leverage) ratio | 7.7965% | 6,442 |
| Tier 1 risk-based capital ratio | 11.9736% | 5,855 |
| Total risk-based capital ratio | 13.2275% | 5,826 |
| Memoranda: | ||
| Average total assets | $118,220,400 | 4,453 |
| Average earning assets | $112,000,000 | 4,336 |
| Average equity | $9,827,600 | 5,061 |
| Average total loans | $74,397,600 | 4,334 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 3,892 |
| Cost of funding earning assets | 1.0622% | 3,234 |
| Net interest margin | 3.7660% | 4,032 |
| Noninterest income to average assets | 0.2695% | 5,687 |
| Noninterest expense to average assets | 2.5510% | 5,275 |
| Loan and lease loss provision to assets | 0.4742% | 2,092 |
| Net operating income to assets | 0.5326% | 4,394 |
| Return on assets (ROA) | 0.6006% | 4,266 |
| Pretax return on assets | 0.9159% | 3,700 |
| Return on Equity (ROE) | 7.1491% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.1491% | 1,887 |
| Net charge-offs to loans | 0.4098% | 3,088 |
| Credit loss provision to net charge-offs | 183.5498% | 1,612 |
| Earnings coverage of net charge-offs (x) | 4.9827% | 2,910 |
| Efficiency ratio | 66.4627% | 4,628 |
| Assets per employee ($millions) | 4.8478% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 2,937 |
| Loan loss allowance to noncurrent loans | 538.2114% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 6,535 |
| Noncurrent loans to loans | 0.3349% | 6,179 |
| Net loans and leases to total assets | 61.9982% | 3,723 |
| Net loans and leases to deposits | 67.3316% | 4,718 |
| Net loans and leases to core deposits | 70.2989% | 4,913 |
| Total domestic deposits to total assets | 92.0789% | 204 |
| Equity capital to assets | 7.6555% | 6,865 |
| Core capital (leverage) ratio | 7.5743% | 6,720 |
| Tier 1 risk-based capital ratio | 11.5033% | 6,239 |
| Total risk-based capital ratio | 12.7596% | 6,227 |
| Memoranda: | ||
| Average total assets | $119,219,750 | 4,452 |
| Average earning assets | $112,973,500 | 4,328 |
| Average equity | $10,015,000 | 5,030 |
| Average total loans | $75,154,250 | 4,346 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8080% | 4,073 |
| Cost of funding earning assets | 1.1278% | 3,045 |
| Net interest margin | 3.6802% | 4,357 |
| Noninterest income to average assets | 0.2729% | 5,691 |
| Noninterest expense to average assets | 2.5812% | 5,259 |
| Loan and lease loss provision to assets | 0.3079% | 2,952 |
| Net operating income to assets | 0.5575% | 4,275 |
| Return on assets (ROA) | 0.5575% | 4,399 |
| Pretax return on assets | 0.8704% | 3,754 |
| Return on Equity (ROE) | 6.4520% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.4520% | 2,170 |
| Net charge-offs to loans | 0.5071% | 2,580 |
| Credit loss provision to net charge-offs | 96.3542% | 3,262 |
| Earnings coverage of net charge-offs (x) | 3.6875% | 3,077 |
| Efficiency ratio | 68.6587% | 4,400 |
| Assets per employee ($millions) | 5.1005% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 4,055 |
| Loan loss allowance to noncurrent loans | 271.4976% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 6,247 |
| Noncurrent loans to loans | 0.5586% | 5,800 |
| Net loans and leases to total assets | 62.2196% | 3,845 |
| Net loans and leases to deposits | 68.5844% | 4,618 |
| Net loans and leases to core deposits | 71.4827% | 4,890 |
| Total domestic deposits to total assets | 90.7196% | 627 |
| Equity capital to assets | 9.0468% | 5,508 |
| Core capital (leverage) ratio | 8.8167% | 5,017 |
| Tier 1 risk-based capital ratio | 13.0909% | 4,841 |
| Total risk-based capital ratio | 14.3431% | 4,825 |
| Memoranda: | ||
| Average total assets | $120,177,330 | 4,446 |
| Average earning assets | $113,851,000 | 4,336 |
| Average equity | $10,384,330 | 4,954 |
| Average total loans | $75,720,000 | 4,355 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 4,397 |
| Cost of funding earning assets | 1.1358% | 3,259 |
| Net interest margin | 3.5881% | 4,622 |
| Noninterest income to average assets | 0.2697% | 5,743 |
| Noninterest expense to average assets | 2.5426% | 5,413 |
| Loan and lease loss provision to assets | 0.2960% | 2,791 |
| Net operating income to assets | 0.5329% | 4,340 |
| Return on assets (ROA) | 0.5329% | 4,428 |
| Pretax return on assets | 0.8289% | 3,796 |
| Return on Equity (ROE) | 6.3096% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.3096% | 2,460 |
| Net charge-offs to loans | 0.7684% | 1,675 |
| Credit loss provision to net charge-offs | 61.2245% | 3,527 |
| Earnings coverage of net charge-offs (x) | 2.3265% | 3,149 |
| Efficiency ratio | 69.3274% | 4,413 |
| Assets per employee ($millions) | 4.8317% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 4,540 |
| Loan loss allowance to noncurrent loans | 135.0943% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 5,644 |
| Noncurrent loans to loans | 1.0557% | 4,942 |
| Net loans and leases to total assets | 61.4561% | 3,973 |
| Net loans and leases to deposits | 67.3709% | 4,771 |
| Net loans and leases to core deposits | 71.3535% | 4,876 |
| Total domestic deposits to total assets | 91.2204% | 522 |
| Equity capital to assets | 8.5800% | 5,798 |
| Core capital (leverage) ratio | 8.6830% | 5,113 |
| Tier 1 risk-based capital ratio | 12.4854% | 5,282 |
| Total risk-based capital ratio | 13.7356% | 5,255 |
| Memoranda: | ||
| Average total assets | $121,610,000 | 4,430 |
| Average earning assets | $115,157,500 | 4,319 |
| Average equity | $10,270,000 | 4,971 |
| Average total loans | $76,522,500 | 4,371 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2992% | 3,131 |
| Cost of funding earning assets | 1.3752% | 3,425 |
| Net interest margin | 3.9240% | 3,378 |
| Noninterest income to average assets | 0.3704% | 5,137 |
| Noninterest expense to average assets | 2.4969% | 5,812 |
| Loan and lease loss provision to assets | 0.4915% | 3,201 |
| Net operating income to assets | 0.6214% | 3,578 |
| Return on assets (ROA) | 0.6214% | 3,741 |
| Pretax return on assets | 1.0532% | 2,760 |
| Return on Equity (ROE) | 7.1605% | 3,045 |
| Retained earnings to average equity (ytd only) | 7.1605% | 1,261 |
| Net charge-offs to loans | 0.3906% | 4,084 |
| Credit loss provision to net charge-offs | 181.2298% | 1,823 |
| Earnings coverage of net charge-offs (x) | 5.6958% | 2,555 |
| Efficiency ratio | 61.7807% | 5,766 |
| Assets per employee ($millions) | 5.1012% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 4,254 |
| Loan loss allowance to noncurrent loans | 141.1985% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 5,696 |
| Noncurrent loans to loans | 1.0304% | 5,007 |
| Net loans and leases to total assets | 62.5723% | 4,154 |
| Net loans and leases to deposits | 68.5525% | 5,024 |
| Net loans and leases to core deposits | 72.7054% | 5,140 |
| Total domestic deposits to total assets | 91.2765% | 474 |
| Equity capital to assets | 8.3118% | 6,131 |
| Core capital (leverage) ratio | 8.4000% | 5,533 |
| Tier 1 risk-based capital ratio | 12.0223% | 5,449 |
| Total risk-based capital ratio | 13.2732% | 5,435 |
| Memoranda: | ||
| Average total assets | $113,941,200 | 4,614 |
| Average earning assets | $106,601,000 | 4,545 |
| Average equity | $9,887,600 | 5,165 |
| Average total loans | $79,117,800 | 4,364 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3173% | 3,267 |
| Cost of funding earning assets | 1.4185% | 3,462 |
| Net interest margin | 3.8988% | 3,529 |
| Noninterest income to average assets | 0.3565% | 5,314 |
| Noninterest expense to average assets | 2.5994% | 5,327 |
| Loan and lease loss provision to assets | 0.3100% | 4,100 |
| Net operating income to assets | 0.6153% | 3,815 |
| Return on assets (ROA) | 0.6153% | 3,984 |
| Pretax return on assets | 1.0815% | 2,892 |
| Return on Equity (ROE) | 7.0091% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.0091% | 1,842 |
| Net charge-offs to loans | 0.2148% | 4,651 |
| Credit loss provision to net charge-offs | 203.1250% | 1,750 |
| Earnings coverage of net charge-offs (x) | 9.1173% | 2,061 |
| Efficiency ratio | 65.1330% | 5,028 |
| Assets per employee ($millions) | 5.1785% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 5,328 |
| Loan loss allowance to noncurrent loans | 120.3329% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.6767% | 5,764 |
| Noncurrent loans to loans | 1.0245% | 5,190 |
| Net loans and leases to total assets | 65.2361% | 3,857 |
| Net loans and leases to deposits | 71.2993% | 4,944 |
| Net loans and leases to core deposits | 75.6043% | 5,110 |
| Total domestic deposits to total assets | 91.4961% | 309 |
| Equity capital to assets | 8.1113% | 6,703 |
| Core capital (leverage) ratio | 8.4269% | 5,653 |
| Tier 1 risk-based capital ratio | 11.4334% | 5,988 |
| Total risk-based capital ratio | 12.5791% | 6,069 |
| Memoranda: | ||
| Average total assets | $111,819,500 | 4,718 |
| Average earning assets | $104,235,750 | 4,662 |
| Average equity | $9,815,500 | 5,252 |
| Average total loans | $79,463,000 | 4,419 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3818% | 3,055 |
| Cost of funding earning assets | 1.4723% | 3,414 |
| Net interest margin | 3.9095% | 3,401 |
| Noninterest income to average assets | 0.3437% | 5,396 |
| Noninterest expense to average assets | 2.7084% | 4,868 |
| Loan and lease loss provision to assets | 0.2471% | 4,457 |
| Net operating income to assets | 0.5573% | 4,046 |
| Return on assets (ROA) | 0.5573% | 4,194 |
| Pretax return on assets | 1.0087% | 3,080 |
| Return on Equity (ROE) | 6.1684% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.1684% | 2,243 |
| Net charge-offs to loans | 0.1578% | 4,676 |
| Credit loss provision to net charge-offs | 214.5161% | 1,816 |
| Earnings coverage of net charge-offs (x) | 10.9032% | 1,828 |
| Efficiency ratio | 68.3224% | 4,515 |
| Assets per employee ($millions) | 5.1356% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 5,493 |
| Loan loss allowance to noncurrent loans | 120.5323% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 5,812 |
| Noncurrent loans to loans | 0.9895% | 5,325 |
| Net loans and leases to total assets | 66.7011% | 3,688 |
| Net loans and leases to deposits | 73.0433% | 4,824 |
| Net loans and leases to core deposits | 78.2453% | 4,904 |
| Total domestic deposits to total assets | 91.3172% | 380 |
| Equity capital to assets | 8.3662% | 6,335 |
| Core capital (leverage) ratio | 8.9874% | 4,620 |
| Tier 1 risk-based capital ratio | 11.3205% | 5,925 |
| Total risk-based capital ratio | 12.4099% | 6,074 |
| Memoranda: | ||
| Average total assets | $107,664,670 | 4,870 |
| Average earning assets | $99,706,330 | 4,819 |
| Average equity | $9,727,000 | 5,279 |
| Average total loans | $78,587,330 | 4,492 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5814% | 2,239 |
| Cost of funding earning assets | 1.5179% | 3,435 |
| Net interest margin | 4.0635% | 2,595 |
| Noninterest income to average assets | 0.3749% | 5,144 |
| Noninterest expense to average assets | 2.8466% | 4,294 |
| Loan and lease loss provision to assets | 0.2265% | 4,227 |
| Net operating income to assets | 0.5545% | 4,117 |
| Return on assets (ROA) | 0.5545% | 4,255 |
| Pretax return on assets | 1.0231% | 2,998 |
| Return on Equity (ROE) | 5.8863% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.8863% | 2,673 |
| Net charge-offs to loans | 0.3384% | 3,056 |
| Credit loss provision to net charge-offs | 87.8788% | 3,707 |
| Earnings coverage of net charge-offs (x) | 4.8485% | 2,528 |
| Efficiency ratio | 69.4948% | 4,411 |
| Assets per employee ($millions) | 4.4490% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 5,938 |
| Loan loss allowance to noncurrent loans | 92.6674% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9196% | 5,312 |
| Noncurrent loans to loans | 1.2031% | 4,955 |
| Net loans and leases to total assets | 75.5832% | 1,624 |
| Net loans and leases to deposits | 83.7542% | 2,979 |
| Net loans and leases to core deposits | 94.2735% | 2,809 |
| Total domestic deposits to total assets | 90.2440% | 865 |
| Equity capital to assets | 9.4999% | 4,532 |
| Core capital (leverage) ratio | 9.7148% | 3,494 |
| Tier 1 risk-based capital ratio | 11.6056% | 5,573 |
| Total risk-based capital ratio | 12.6467% | 5,741 |
| Memoranda: | ||
| Average total assets | $102,438,000 | 5,078 |
| Average earning assets | $93,811,000 | 5,055 |
| Average equity | $9,649,500 | 5,332 |
| Average total loans | $78,012,500 | 4,579 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6933% | 3,136 |
| Cost of funding earning assets | 2.0771% | 2,589 |
| Net interest margin | 3.6163% | 4,492 |
| Noninterest income to average assets | 0.4059% | 5,155 |
| Noninterest expense to average assets | 2.8078% | 4,952 |
| Loan and lease loss provision to assets | 0.4544% | 4,098 |
| Net operating income to assets | 0.2040% | 4,893 |
| Return on assets (ROA) | 0.2040% | 4,951 |
| Pretax return on assets | 0.4119% | 4,464 |
| Return on Equity (ROE) | 2.2510% | 4,807 |
| Retained earnings to average equity (ytd only) | 2.2510% | 3,536 |
| Net charge-offs to loans | 0.5193% | 3,701 |
| Credit loss provision to net charge-offs | 113.6139% | 4,825 |
| Earnings coverage of net charge-offs (x) | 2.1658% | 4,099 |
| Efficiency ratio | 76.4214% | 3,456 |
| Assets per employee ($millions) | 4.4587% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,744 |
| Loan loss allowance to noncurrent loans | 87.9121% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 5,159 |
| Noncurrent loans to loans | 1.2865% | 4,776 |
| Net loans and leases to total assets | 75.0188% | 2,027 |
| Net loans and leases to deposits | 82.9436% | 3,461 |
| Net loans and leases to core deposits | 100.4872% | 3,946 |
| Total domestic deposits to total assets | 90.4455% | 762 |
| Equity capital to assets | 9.3399% | 4,651 |
| Core capital (leverage) ratio | 9.2877% | 3,997 |
| Tier 1 risk-based capital ratio | 11.5736% | 5,324 |
| Total risk-based capital ratio | 12.6370% | 5,481 |
| Memoranda: | ||
| Average total assets | $101,004,800 | 5,065 |
| Average earning assets | $91,282,000 | 5,084 |
| Average equity | $9,151,400 | 5,563 |
| Average total loans | $77,802,600 | 4,593 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6429% | 3,616 |
| Cost of funding earning assets | 2.1790% | 2,506 |
| Net interest margin | 3.4639% | 5,012 |
| Noninterest income to average assets | 0.4293% | 5,058 |
| Noninterest expense to average assets | 2.8543% | 4,647 |
| Loan and lease loss provision to assets | 0.2504% | 4,948 |
| Net operating income to assets | 0.2147% | 5,104 |
| Return on assets (ROA) | 0.2147% | 5,187 |
| Pretax return on assets | 0.4611% | 4,638 |
| Return on Equity (ROE) | 2.3880% | 5,029 |
| Retained earnings to average equity (ytd only) | 2.3880% | 3,986 |
| Net charge-offs to loans | 0.2159% | 4,681 |
| Credit loss provision to net charge-offs | 150.0000% | 3,196 |
| Earnings coverage of net charge-offs (x) | 4.2618% | 3,195 |
| Efficiency ratio | 80.0446% | 2,832 |
| Assets per employee ($millions) | 4.9198% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,556 |
| Loan loss allowance to noncurrent loans | 168.1818% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 6,187 |
| Noncurrent loans to loans | 0.6699% | 5,961 |
| Net loans and leases to total assets | 75.4334% | 2,113 |
| Net loans and leases to deposits | 83.3296% | 3,769 |
| Net loans and leases to core deposits | 102.3669% | 4,121 |
| Total domestic deposits to total assets | 90.5241% | 583 |
| Equity capital to assets | 9.2262% | 5,121 |
| Core capital (leverage) ratio | 9.2325% | 4,290 |
| Tier 1 risk-based capital ratio | 11.4589% | 5,473 |
| Total risk-based capital ratio | 12.5264% | 5,603 |
| Memoranda: | ||
| Average total assets | $100,618,750 | 5,107 |
| Average earning assets | $91,109,500 | 5,126 |
| Average equity | $9,044,750 | 5,649 |
| Average total loans | $77,800,500 | 4,633 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5880% | 4,135 |
| Cost of funding earning assets | 2.2210% | 2,698 |
| Net interest margin | 3.3670% | 5,294 |
| Noninterest income to average assets | 0.4412% | 4,924 |
| Noninterest expense to average assets | 2.9021% | 4,492 |
| Loan and lease loss provision to assets | 0.1484% | 5,595 |
| Net operating income to assets | 0.1945% | 5,281 |
| Return on assets (ROA) | 0.1945% | 5,361 |
| Pretax return on assets | 0.4372% | 4,835 |
| Return on Equity (ROE) | 2.1841% | 5,224 |
| Retained earnings to average equity (ytd only) | 2.1841% | 4,126 |
| Net charge-offs to loans | 0.0516% | 5,767 |
| Credit loss provision to net charge-offs | 370.0000% | 1,255 |
| Earnings coverage of net charge-offs (x) | 14.6000% | 1,638 |
| Efficiency ratio | 83.2087% | 2,576 |
| Assets per employee ($millions) | 4.4797% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 5,412 |
| Loan loss allowance to noncurrent loans | 137.1295% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 5,858 |
| Noncurrent loans to loans | 0.8210% | 5,584 |
| Net loans and leases to total assets | 74.9190% | 2,460 |
| Net loans and leases to deposits | 82.7539% | 4,094 |
| Net loans and leases to core deposits | 106.2826% | 3,806 |
| Total domestic deposits to total assets | 90.5323% | 617 |
| Equity capital to assets | 9.1863% | 5,037 |
| Core capital (leverage) ratio | 9.8129% | 3,500 |
| Tier 1 risk-based capital ratio | 11.4404% | 5,456 |
| Total risk-based capital ratio | 12.5029% | 5,553 |
| Memoranda: | ||
| Average total assets | $99,720,000 | 5,174 |
| Average earning assets | $90,229,330 | 5,187 |
| Average equity | $8,882,330 | 5,726 |
| Average total loans | $77,460,000 | 4,677 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6144% | 4,264 |
| Cost of funding earning assets | 2.3442% | 2,528 |
| Net interest margin | 3.2702% | 5,618 |
| Noninterest income to average assets | 0.4446% | 4,836 |
| Noninterest expense to average assets | 2.8186% | 4,485 |
| Loan and lease loss provision to assets | 0.1101% | 5,556 |
| Net operating income to assets | 0.2121% | 5,625 |
| Return on assets (ROA) | 0.2121% | 5,787 |
| Pretax return on assets | 0.4691% | 5,176 |
| Return on Equity (ROE) | 2.4211% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.4211% | 4,525 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9532% | 2,414 |
| Assets per employee ($millions) | 3.9949% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 5,346 |
| Loan loss allowance to noncurrent loans | 1,468.9655% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 7,420 |
| Noncurrent loans to loans | 0.0760% | 7,309 |
| Net loans and leases to total assets | 78.6602% | 1,656 |
| Net loans and leases to deposits | 87.4938% | 3,381 |
| Net loans and leases to core deposits | 105.1577% | 4,012 |
| Total domestic deposits to total assets | 89.9037% | 843 |
| Equity capital to assets | 9.8230% | 4,216 |
| Core capital (leverage) ratio | 9.6472% | 3,826 |
| Tier 1 risk-based capital ratio | 11.8342% | 5,091 |
| Total risk-based capital ratio | 12.9048% | 5,165 |
| Memoranda: | ||
| Average total assets | $98,063,000 | 5,235 |
| Average earning assets | $88,558,000 | 5,270 |
| Average equity | $8,591,000 | 5,851 |
| Average total loans | $77,154,500 | 4,720 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2247% | 4,391 |
| Cost of funding earning assets | 2.9269% | 2,153 |
| Net interest margin | 3.2979% | 6,044 |
| Noninterest income to average assets | 0.4405% | 5,113 |
| Noninterest expense to average assets | 2.9319% | 4,329 |
| Loan and lease loss provision to assets | 0.1050% | 6,034 |
| Net operating income to assets | 0.1792% | 5,909 |
| Return on assets (ROA) | 0.1832% | 5,735 |
| Pretax return on assets | 0.3828% | 5,310 |
| Return on Equity (ROE) | 2.3172% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.3172% | 3,758 |
| Net charge-offs to loans | 0.1556% | 4,638 |
| Credit loss provision to net charge-offs | 85.7143% | 5,769 |
| Earnings coverage of net charge-offs (x) | 3.9328% | 4,177 |
| Efficiency ratio | 85.8909% | 1,859 |
| Assets per employee ($millions) | 4.3587% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 5,563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 77.0232% | 2,368 |
| Net loans and leases to deposits | 83.8155% | 4,453 |
| Net loans and leases to core deposits | 102.8190% | 4,522 |
| Total domestic deposits to total assets | 91.8962% | 149 |
| Equity capital to assets | 7.7447% | 7,158 |
| Core capital (leverage) ratio | 7.9553% | 6,561 |
| Tier 1 risk-based capital ratio | 9.5384% | 7,265 |
| Total risk-based capital ratio | 10.5520% | 7,440 |
| Memoranda: | ||
| Average total assets | $97,172,200 | 5,132 |
| Average earning assets | $87,602,200 | 5,164 |
| Average equity | $7,681,800 | 6,219 |
| Average total loans | $76,462,000 | 4,635 |