Home > The Edgartown National Bank > Performance and Condition Ratios
The Edgartown National Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6437% | 4,295 |
| Cost of funding earning assets | 0.3412% | 3,621 |
| Net interest margin | 3.3024% | 4,001 |
| Noninterest income to average assets | 0.2948% | 4,443 |
| Noninterest expense to average assets | 2.5551% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5127% | 4,547 |
| Return on assets (ROA) | 0.5127% | 4,578 |
| Pretax return on assets | 0.8204% | 4,036 |
| Return on Equity (ROE) | 5.8535% | 3,977 |
| Retained earnings to average equity (ytd only) | 5.8535% | 2,407 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6962% | 1,954 |
| Assets per employee ($millions) | 4.6769% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 4,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 83.7632% | 393 |
| Net loans and leases to deposits | 96.6596% | 878 |
| Net loans and leases to core deposits | 114.0273% | 670 |
| Total domestic deposits to total assets | 86.6579% | 2,369 |
| Equity capital to assets | 9.0587% | 4,752 |
| Core capital (leverage) ratio | 8.8543% | 4,898 |
| Tier 1 risk-based capital ratio | 13.7416% | 3,638 |
| Total risk-based capital ratio | 14.9570% | 3,561 |
| Memoranda: | ||
| Average total assets | $187,237,000 | 3,115 |
| Average earning assets | $174,659,500 | 3,080 |
| Average equity | $16,400,500 | 3,617 |
| Average total loans | $156,150,000 | 2,629 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6920% | 4,231 |
| Cost of funding earning assets | 0.4255% | 2,752 |
| Net interest margin | 3.2665% | 4,240 |
| Noninterest income to average assets | 0.4026% | 3,867 |
| Noninterest expense to average assets | 2.4804% | 4,074 |
| Loan and lease loss provision to assets | 0.0070% | 4,220 |
| Net operating income to assets | 0.5987% | 4,210 |
| Return on assets (ROA) | 0.5987% | 4,322 |
| Pretax return on assets | 0.9642% | 3,600 |
| Return on Equity (ROE) | 6.5302% | 3,724 |
| Retained earnings to average equity (ytd only) | -6.9523% | 5,728 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8623% | 2,606 |
| Assets per employee ($millions) | 4.9250% | 2,474 |
| Cash dividends to net income (ytd only)* | 206.4632% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 4,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 81.5779% | 658 |
| Net loans and leases to deposits | 92.6847% | 1,345 |
| Net loans and leases to core deposits | 106.9761% | 1,069 |
| Total domestic deposits to total assets | 88.0166% | 1,620 |
| Equity capital to assets | 8.4749% | 5,289 |
| Core capital (leverage) ratio | 8.4535% | 5,310 |
| Tier 1 risk-based capital ratio | 13.3254% | 3,885 |
| Total risk-based capital ratio | 14.5210% | 3,830 |
| Memoranda: | ||
| Average total assets | $186,057,200 | 3,100 |
| Average earning assets | $173,673,600 | 3,071 |
| Average equity | $17,059,200 | 3,545 |
| Average total loans | $152,414,800 | 2,611 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 4,210 |
| Cost of funding earning assets | 0.4501% | 2,562 |
| Net interest margin | 3.2616% | 4,307 |
| Noninterest income to average assets | 0.4096% | 3,850 |
| Noninterest expense to average assets | 2.5315% | 3,891 |
| Loan and lease loss provision to assets | 0.0094% | 4,054 |
| Net operating income to assets | 0.5693% | 4,419 |
| Return on assets (ROA) | 0.5693% | 4,524 |
| Pretax return on assets | 0.9153% | 3,923 |
| Return on Equity (ROE) | 6.0891% | 4,030 |
| Retained earnings to average equity (ytd only) | -11.6836% | 5,860 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2441% | 2,396 |
| Assets per employee ($millions) | 4.9819% | 2,388 |
| Cash dividends to net income (ytd only)* | 291.8783% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 4,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.9354% | 1,212 |
| Net loans and leases to deposits | 88.3412% | 1,975 |
| Net loans and leases to core deposits | 102.7900% | 1,430 |
| Total domestic deposits to total assets | 88.2209% | 1,285 |
| Equity capital to assets | 8.2525% | 5,647 |
| Core capital (leverage) ratio | 8.3479% | 5,471 |
| Tier 1 risk-based capital ratio | 13.3935% | 3,923 |
| Total risk-based capital ratio | 14.6194% | 3,854 |
| Memoranda: | ||
| Average total assets | $184,553,000 | 3,123 |
| Average earning assets | $172,385,250 | 3,096 |
| Average equity | $17,254,500 | 3,547 |
| Average total loans | $150,992,750 | 2,627 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 4,046 |
| Cost of funding earning assets | 0.4402% | 2,654 |
| Net interest margin | 3.3326% | 4,108 |
| Noninterest income to average assets | 0.3596% | 4,194 |
| Noninterest expense to average assets | 2.5603% | 3,854 |
| Loan and lease loss provision to assets | 0.0143% | 3,822 |
| Net operating income to assets | 0.5549% | 4,463 |
| Return on assets (ROA) | 0.5549% | 4,578 |
| Pretax return on assets | 0.8913% | 3,985 |
| Return on Equity (ROE) | 5.6961% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.2988% | 4,410 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8701% | 2,381 |
| Assets per employee ($millions) | 4.9216% | 2,387 |
| Cash dividends to net income (ytd only)* | 59.6421% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 4,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 79.6641% | 961 |
| Net loans and leases to deposits | 92.2132% | 1,484 |
| Net loans and leases to core deposits | 109.7817% | 944 |
| Total domestic deposits to total assets | 86.3912% | 2,221 |
| Equity capital to assets | 9.5060% | 4,763 |
| Core capital (leverage) ratio | 9.8136% | 3,797 |
| Tier 1 risk-based capital ratio | 14.5842% | 3,270 |
| Total risk-based capital ratio | 15.7917% | 3,228 |
| Memoranda: | ||
| Average total assets | $181,306,330 | 3,183 |
| Average earning assets | $168,996,670 | 3,154 |
| Average equity | $17,661,330 | 3,491 |
| Average total loans | $150,378,330 | 2,640 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 3,826 |
| Cost of funding earning assets | 0.4433% | 2,654 |
| Net interest margin | 3.3923% | 3,901 |
| Noninterest income to average assets | 0.3362% | 4,326 |
| Noninterest expense to average assets | 2.5733% | 3,832 |
| Loan and lease loss provision to assets | 0.0291% | 3,270 |
| Net operating income to assets | 0.5559% | 4,387 |
| Return on assets (ROA) | 0.5559% | 4,493 |
| Pretax return on assets | 0.8899% | 3,886 |
| Return on Equity (ROE) | 5.6354% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.6354% | 2,563 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6842% | 2,530 |
| Assets per employee ($millions) | 4.8444% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 4,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 83.7571% | 395 |
| Net loans and leases to deposits | 98.2918% | 736 |
| Net loans and leases to core deposits | 118.0634% | 526 |
| Total domestic deposits to total assets | 85.2126% | 3,035 |
| Equity capital to assets | 9.9096% | 4,199 |
| Core capital (leverage) ratio | 9.9738% | 3,563 |
| Tier 1 risk-based capital ratio | 14.1807% | 3,581 |
| Total risk-based capital ratio | 15.3518% | 3,551 |
| Memoranda: | ||
| Average total assets | $178,450,000 | 3,220 |
| Average earning assets | $166,022,500 | 3,198 |
| Average equity | $17,603,000 | 3,495 |
| Average total loans | $150,367,500 | 2,643 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8469% | 3,894 |
| Cost of funding earning assets | 0.3840% | 3,330 |
| Net interest margin | 3.4629% | 3,665 |
| Noninterest income to average assets | 0.4078% | 3,979 |
| Noninterest expense to average assets | 2.5755% | 4,007 |
| Loan and lease loss provision to assets | 0.0337% | 3,678 |
| Net operating income to assets | 0.6158% | 4,194 |
| Return on assets (ROA) | 0.6158% | 4,291 |
| Pretax return on assets | 0.9905% | 3,511 |
| Return on Equity (ROE) | 6.5221% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.5221% | 1,526 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5488% | 2,971 |
| Assets per employee ($millions) | 4.5554% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 4,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7880% | 2,703 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 83.1903% | 469 |
| Net loans and leases to deposits | 96.9911% | 912 |
| Net loans and leases to core deposits | 111.5417% | 793 |
| Total domestic deposits to total assets | 85.7711% | 2,750 |
| Equity capital to assets | 9.8188% | 4,171 |
| Core capital (leverage) ratio | 9.7036% | 3,901 |
| Tier 1 risk-based capital ratio | 13.9486% | 3,734 |
| Total risk-based capital ratio | 15.1065% | 3,730 |
| Memoranda: | ||
| Average total assets | $178,294,200 | 3,193 |
| Average earning assets | $164,341,600 | 3,197 |
| Average equity | $16,835,000 | 3,554 |
| Average total loans | $146,006,200 | 2,654 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8543% | 3,919 |
| Cost of funding earning assets | 0.3700% | 3,546 |
| Net interest margin | 3.4843% | 3,603 |
| Noninterest income to average assets | 0.4087% | 4,020 |
| Noninterest expense to average assets | 2.6053% | 3,860 |
| Loan and lease loss provision to assets | 0.0314% | 3,611 |
| Net operating income to assets | 0.6082% | 4,344 |
| Return on assets (ROA) | 0.6082% | 4,445 |
| Pretax return on assets | 0.9803% | 3,690 |
| Return on Equity (ROE) | 6.5056% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.5056% | 1,952 |
| Net charge-offs to loans | 0.0009% | 4,164 |
| Credit loss provision to net charge-offs | 4,200.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 1,357.3609% | 54 |
| Efficiency ratio | 72.0306% | 2,876 |
| Assets per employee ($millions) | 4.8530% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 4,983 |
| Loan loss allowance to noncurrent loans | 138,100.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.7402% | 3,059 |
| Noncurrent loans to loans | 0.0007% | 5,679 |
| Net loans and leases to total assets | 76.0469% | 1,383 |
| Net loans and leases to deposits | 87.9602% | 1,907 |
| Net loans and leases to core deposits | 106.1446% | 1,088 |
| Total domestic deposits to total assets | 86.4561% | 2,306 |
| Equity capital to assets | 9.0497% | 5,265 |
| Core capital (leverage) ratio | 9.4729% | 4,337 |
| Tier 1 risk-based capital ratio | 13.9643% | 3,865 |
| Total risk-based capital ratio | 15.1216% | 3,867 |
| Memoranda: | ||
| Average total assets | $178,453,000 | 3,215 |
| Average earning assets | $164,313,250 | 3,228 |
| Average equity | $16,682,750 | 3,603 |
| Average total loans | $145,209,000 | 2,677 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9349% | 3,553 |
| Cost of funding earning assets | 0.3607% | 3,693 |
| Net interest margin | 3.5742% | 3,193 |
| Noninterest income to average assets | 0.3580% | 4,389 |
| Noninterest expense to average assets | 2.6663% | 3,703 |
| Loan and lease loss provision to assets | 0.0480% | 3,160 |
| Net operating income to assets | 0.5742% | 4,452 |
| Return on assets (ROA) | 0.5742% | 4,556 |
| Pretax return on assets | 0.9311% | 3,842 |
| Return on Equity (ROE) | 6.0722% | 4,094 |
| Retained earnings to average equity (ytd only) | 6.0722% | 2,193 |
| Net charge-offs to loans | -0.0028% | 4,634 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1409% | 2,811 |
| Assets per employee ($millions) | 4.6640% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 5,124 |
| Loan loss allowance to noncurrent loans | 490.7801% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 2,636 |
| Noncurrent loans to loans | 0.1922% | 5,007 |
| Net loans and leases to total assets | 81.9982% | 554 |
| Net loans and leases to deposits | 97.8976% | 803 |
| Net loans and leases to core deposits | 116.0342% | 591 |
| Total domestic deposits to total assets | 83.7591% | 3,663 |
| Equity capital to assets | 9.4616% | 4,697 |
| Core capital (leverage) ratio | 9.6795% | 4,029 |
| Tier 1 risk-based capital ratio | 13.9940% | 3,929 |
| Total risk-based capital ratio | 15.1763% | 3,904 |
| Memoranda: | ||
| Average total assets | $174,848,670 | 3,283 |
| Average earning assets | $160,818,670 | 3,292 |
| Average equity | $16,534,330 | 3,635 |
| Average total loans | $145,174,670 | 2,679 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 3,534 |
| Cost of funding earning assets | 0.3473% | 3,892 |
| Net interest margin | 3.5684% | 3,130 |
| Noninterest income to average assets | 0.2810% | 4,930 |
| Noninterest expense to average assets | 2.7019% | 3,583 |
| Loan and lease loss provision to assets | 0.0760% | 2,430 |
| Net operating income to assets | 0.4929% | 4,716 |
| Return on assets (ROA) | 0.4929% | 4,836 |
| Pretax return on assets | 0.7924% | 4,270 |
| Return on Equity (ROE) | 5.2141% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.2141% | 2,942 |
| Net charge-offs to loans | -0.0028% | 4,383 |
| Credit loss provision to net charge-offs | -3,300.0000% | 5,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6774% | 2,554 |
| Assets per employee ($millions) | 4.4856% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 5,305 |
| Loan loss allowance to noncurrent loans | 494.2446% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.9592% | 2,708 |
| Noncurrent loans to loans | 0.1896% | 5,106 |
| Net loans and leases to total assets | 83.0243% | 373 |
| Net loans and leases to deposits | 105.4695% | 332 |
| Net loans and leases to core deposits | 123.0470% | 351 |
| Total domestic deposits to total assets | 78.7187% | 5,314 |
| Equity capital to assets | 9.4588% | 4,794 |
| Core capital (leverage) ratio | 9.5427% | 4,210 |
| Tier 1 risk-based capital ratio | 13.7397% | 4,194 |
| Total risk-based capital ratio | 14.9171% | 4,144 |
| Memoranda: | ||
| Average total assets | $173,657,000 | 3,310 |
| Average earning assets | $160,069,500 | 3,322 |
| Average equity | $16,417,000 | 3,675 |
| Average total loans | $144,406,500 | 2,700 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 3,891 |
| Cost of funding earning assets | 0.3509% | 4,239 |
| Net interest margin | 3.6055% | 3,397 |
| Noninterest income to average assets | 0.3548% | 4,562 |
| Noninterest expense to average assets | 2.7813% | 3,554 |
| Loan and lease loss provision to assets | 0.0805% | 2,872 |
| Net operating income to assets | 0.5753% | 4,483 |
| Return on assets (ROA) | 0.6108% | 4,422 |
| Pretax return on assets | 0.8619% | 4,027 |
| Return on Equity (ROE) | 5.6399% | 4,339 |
| Retained earnings to average equity (ytd only) | -7.5029% | 6,257 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7093% | 2,559 |
| Assets per employee ($millions) | 4.3094% | 3,349 |
| Cash dividends to net income (ytd only)* | 233.0339% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 5,323 |
| Loan loss allowance to noncurrent loans | 483.7545% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9729% | 2,812 |
| Noncurrent loans to loans | 0.1948% | 5,121 |
| Net loans and leases to total assets | 81.7156% | 555 |
| Net loans and leases to deposits | 104.5623% | 415 |
| Net loans and leases to core deposits | 121.7221% | 374 |
| Total domestic deposits to total assets | 78.1501% | 5,408 |
| Equity capital to assets | 9.4485% | 4,781 |
| Core capital (leverage) ratio | 9.9079% | 3,698 |
| Tier 1 risk-based capital ratio | 14.1020% | 4,026 |
| Total risk-based capital ratio | 15.2906% | 3,987 |
| Memoranda: | ||
| Average total assets | $164,057,400 | 3,426 |
| Average earning assets | $151,020,600 | 3,429 |
| Average equity | $17,766,400 | 3,425 |
| Average total loans | $130,507,200 | 2,856 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 3,859 |
| Cost of funding earning assets | 0.3571% | 4,268 |
| Net interest margin | 3.6162% | 3,363 |
| Noninterest income to average assets | 0.3597% | 4,557 |
| Noninterest expense to average assets | 2.8678% | 3,239 |
| Loan and lease loss provision to assets | 0.0840% | 2,677 |
| Net operating income to assets | 0.4606% | 5,030 |
| Return on assets (ROA) | 0.5038% | 4,922 |
| Pretax return on assets | 0.8017% | 4,362 |
| Return on Equity (ROE) | 4.4992% | 4,966 |
| Retained earnings to average equity (ytd only) | 4.2418% | 3,635 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8026% | 2,214 |
| Assets per employee ($millions) | 4.0246% | 3,824 |
| Cash dividends to net income (ytd only)* | 5.7195% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 5,228 |
| Loan loss allowance to noncurrent loans | 163.7500% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 1.3015% | 2,379 |
| Noncurrent loans to loans | 0.6098% | 4,099 |
| Net loans and leases to total assets | 76.8350% | 1,119 |
| Net loans and leases to deposits | 89.6595% | 1,458 |
| Net loans and leases to core deposits | 106.0774% | 955 |
| Total domestic deposits to total assets | 85.6965% | 3,016 |
| Equity capital to assets | 10.8812% | 3,083 |
| Core capital (leverage) ratio | 10.9676% | 2,520 |
| Tier 1 risk-based capital ratio | 16.4795% | 2,818 |
| Total risk-based capital ratio | 17.6991% | 2,788 |
| Memoranda: | ||
| Average total assets | $161,977,750 | 3,492 |
| Average earning assets | $148,994,250 | 3,486 |
| Average equity | $18,136,250 | 3,399 |
| Average total loans | $127,584,500 | 2,921 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 3,669 |
| Cost of funding earning assets | 0.3657% | 4,255 |
| Net interest margin | 3.6501% | 3,143 |
| Noninterest income to average assets | 0.3270% | 4,799 |
| Noninterest expense to average assets | 2.8767% | 3,251 |
| Loan and lease loss provision to assets | 0.1278% | 1,932 |
| Net operating income to assets | 0.4317% | 5,089 |
| Return on assets (ROA) | 0.4974% | 4,901 |
| Pretax return on assets | 0.7893% | 4,318 |
| Return on Equity (ROE) | 4.3987% | 4,973 |
| Retained earnings to average equity (ytd only) | 4.3987% | 3,377 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9362% | 2,297 |
| Assets per employee ($millions) | 3.8593% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 5,239 |
| Loan loss allowance to noncurrent loans | 56.9813% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 1.4529% | 2,243 |
| Noncurrent loans to loans | 1.7994% | 1,904 |
| Net loans and leases to total assets | 79.9166% | 699 |
| Net loans and leases to deposits | 94.3904% | 934 |
| Net loans and leases to core deposits | 111.3202% | 635 |
| Total domestic deposits to total assets | 84.6660% | 3,653 |
| Equity capital to assets | 11.5092% | 2,418 |
| Core capital (leverage) ratio | 11.4412% | 2,060 |
| Tier 1 risk-based capital ratio | 16.6387% | 2,765 |
| Total risk-based capital ratio | 17.8820% | 2,734 |
| Memoranda: | ||
| Average total assets | $159,625,330 | 3,538 |
| Average earning assets | $147,120,670 | 3,535 |
| Average equity | $18,050,670 | 3,414 |
| Average total loans | $126,383,330 | 2,939 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 3,869 |
| Cost of funding earning assets | 0.3752% | 4,251 |
| Net interest margin | 3.5819% | 3,327 |
| Noninterest income to average assets | 0.2869% | 5,076 |
| Noninterest expense to average assets | 2.7395% | 3,800 |
| Loan and lease loss provision to assets | 0.1048% | 2,176 |
| Net operating income to assets | 0.4740% | 4,816 |
| Return on assets (ROA) | 0.4740% | 4,894 |
| Pretax return on assets | 0.7535% | 4,294 |
| Return on Equity (ROE) | 4.2292% | 4,916 |
| Retained earnings to average equity (ytd only) | 4.2292% | 3,594 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1442% | 2,773 |
| Assets per employee ($millions) | 4.1366% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 5,533 |
| Loan loss allowance to noncurrent loans | 53.7866% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4406% | 2,462 |
| Noncurrent loans to loans | 1.8525% | 2,061 |
| Net loans and leases to total assets | 76.9865% | 885 |
| Net loans and leases to deposits | 91.0798% | 1,031 |
| Net loans and leases to core deposits | 107.9643% | 677 |
| Total domestic deposits to total assets | 84.5265% | 4,075 |
| Equity capital to assets | 11.2077% | 2,514 |
| Core capital (leverage) ratio | 11.2479% | 2,177 |
| Tier 1 risk-based capital ratio | 16.6957% | 2,816 |
| Total risk-based capital ratio | 17.9025% | 2,801 |
| Memoranda: | ||
| Average total assets | $160,323,000 | 3,557 |
| Average earning assets | $148,188,500 | 3,538 |
| Average equity | $17,970,500 | 3,434 |
| Average total loans | $125,694,000 | 2,956 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 3,644 |
| Cost of funding earning assets | 0.4033% | 4,616 |
| Net interest margin | 3.7213% | 2,973 |
| Noninterest income to average assets | 0.5155% | 3,662 |
| Noninterest expense to average assets | 2.8962% | 3,380 |
| Loan and lease loss provision to assets | 0.0789% | 3,531 |
| Net operating income to assets | 0.6125% | 4,205 |
| Return on assets (ROA) | 0.6121% | 4,324 |
| Pretax return on assets | 0.9796% | 3,434 |
| Return on Equity (ROE) | 5.3866% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.3866% | 2,358 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2214% | 3,259 |
| Assets per employee ($millions) | 3.7933% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 5,726 |
| Loan loss allowance to noncurrent loans | 148.2209% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 4,709 |
| Noncurrent loans to loans | 0.6471% | 4,357 |
| Net loans and leases to total assets | 78.2895% | 786 |
| Net loans and leases to deposits | 92.4323% | 1,011 |
| Net loans and leases to core deposits | 107.3020% | 723 |
| Total domestic deposits to total assets | 84.6993% | 3,891 |
| Equity capital to assets | 11.2102% | 2,421 |
| Core capital (leverage) ratio | 11.2358% | 2,165 |
| Tier 1 risk-based capital ratio | 16.4302% | 2,891 |
| Total risk-based capital ratio | 17.5920% | 2,892 |
| Memoranda: | ||
| Average total assets | $152,095,400 | 3,673 |
| Average earning assets | $140,595,000 | 3,656 |
| Average equity | $17,283,600 | 3,520 |
| Average total loans | $120,088,200 | 3,036 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 3,670 |
| Cost of funding earning assets | 0.4122% | 4,704 |
| Net interest margin | 3.7103% | 2,992 |
| Noninterest income to average assets | 0.5270% | 3,613 |
| Noninterest expense to average assets | 2.9400% | 3,168 |
| Loan and lease loss provision to assets | 0.0497% | 4,022 |
| Net operating income to assets | 0.6074% | 4,317 |
| Return on assets (ROA) | 0.6068% | 4,445 |
| Pretax return on assets | 0.9705% | 3,612 |
| Return on Equity (ROE) | 5.3209% | 4,552 |
| Retained earnings to average equity (ytd only) | 5.3209% | 2,865 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2217% | 3,027 |
| Assets per employee ($millions) | 4.1305% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 5,942 |
| Loan loss allowance to noncurrent loans | 61.9718% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.1761% | 3,305 |
| Noncurrent loans to loans | 1.5199% | 2,887 |
| Net loans and leases to total assets | 76.6514% | 914 |
| Net loans and leases to deposits | 92.2122% | 972 |
| Net loans and leases to core deposits | 106.1683% | 749 |
| Total domestic deposits to total assets | 83.1250% | 4,531 |
| Equity capital to assets | 11.0996% | 2,666 |
| Core capital (leverage) ratio | 11.3521% | 2,162 |
| Tier 1 risk-based capital ratio | 16.4934% | 2,936 |
| Total risk-based capital ratio | 17.6165% | 2,976 |
| Memoranda: | ||
| Average total assets | $150,289,500 | 3,734 |
| Average earning assets | $139,104,250 | 3,712 |
| Average equity | $17,139,500 | 3,587 |
| Average total loans | $118,625,750 | 3,086 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1619% | 3,496 |
| Cost of funding earning assets | 0.4327% | 4,632 |
| Net interest margin | 3.7293% | 2,851 |
| Noninterest income to average assets | 0.4133% | 4,422 |
| Noninterest expense to average assets | 2.9541% | 3,149 |
| Loan and lease loss provision to assets | 0.0756% | 3,536 |
| Net operating income to assets | 0.5290% | 4,669 |
| Return on assets (ROA) | 0.5281% | 4,841 |
| Pretax return on assets | 0.8402% | 4,156 |
| Return on Equity (ROE) | 4.5878% | 4,960 |
| Retained earnings to average equity (ytd only) | 4.5878% | 3,350 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3084% | 2,737 |
| Assets per employee ($millions) | 4.0256% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 6,016 |
| Loan loss allowance to noncurrent loans | 71.9497% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.0675% | 3,613 |
| Noncurrent loans to loans | 1.3104% | 3,366 |
| Net loans and leases to total assets | 80.6951% | 470 |
| Net loans and leases to deposits | 97.4659% | 575 |
| Net loans and leases to core deposits | 113.0749% | 460 |
| Total domestic deposits to total assets | 82.7932% | 4,782 |
| Equity capital to assets | 11.5356% | 2,264 |
| Core capital (leverage) ratio | 11.9416% | 1,643 |
| Tier 1 risk-based capital ratio | 16.2112% | 3,080 |
| Total risk-based capital ratio | 17.3336% | 3,088 |
| Memoranda: | ||
| Average total assets | $148,066,000 | 3,804 |
| Average earning assets | $137,293,000 | 3,771 |
| Average equity | $17,045,330 | 3,616 |
| Average total loans | $117,682,330 | 3,114 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 3,639 |
| Cost of funding earning assets | 0.4378% | 4,725 |
| Net interest margin | 3.6836% | 2,928 |
| Noninterest income to average assets | 0.4037% | 4,429 |
| Noninterest expense to average assets | 2.9128% | 3,296 |
| Loan and lease loss provision to assets | 0.0650% | 3,544 |
| Net operating income to assets | 0.5311% | 4,534 |
| Return on assets (ROA) | 0.5311% | 4,679 |
| Pretax return on assets | 0.8454% | 3,976 |
| Return on Equity (ROE) | 4.6180% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.6180% | 3,465 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1871% | 2,894 |
| Assets per employee ($millions) | 4.4267% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 6,145 |
| Loan loss allowance to noncurrent loans | 82.2485% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 4,081 |
| Noncurrent loans to loans | 1.1510% | 3,858 |
| Net loans and leases to total assets | 79.6457% | 455 |
| Net loans and leases to deposits | 97.8142% | 454 |
| Net loans and leases to core deposits | 104.4051% | 700 |
| Total domestic deposits to total assets | 81.4255% | 5,387 |
| Equity capital to assets | 11.6873% | 2,265 |
| Core capital (leverage) ratio | 11.9617% | 1,589 |
| Tier 1 risk-based capital ratio | 16.4637% | 3,022 |
| Total risk-based capital ratio | 17.5860% | 3,044 |
| Memoranda: | ||
| Average total assets | $147,625,500 | 3,851 |
| Average earning assets | $137,041,500 | 3,810 |
| Average equity | $16,977,000 | 3,678 |
| Average total loans | $115,855,000 | 3,162 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 3,718 |
| Cost of funding earning assets | 0.4523% | 5,568 |
| Net interest margin | 3.9719% | 2,513 |
| Noninterest income to average assets | 0.6305% | 3,104 |
| Noninterest expense to average assets | 3.2062% | 2,587 |
| Loan and lease loss provision to assets | 0.0628% | 4,979 |
| Net operating income to assets | 0.6498% | 3,987 |
| Return on assets (ROA) | 0.6498% | 4,253 |
| Pretax return on assets | 1.0361% | 3,407 |
| Return on Equity (ROE) | 5.5594% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.5594% | 2,344 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4734% | 2,993 |
| Assets per employee ($millions) | 3.9255% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 6,124 |
| Loan loss allowance to noncurrent loans | 63.2191% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.1537% | 3,732 |
| Noncurrent loans to loans | 1.5063% | 3,343 |
| Net loans and leases to total assets | 75.8616% | 934 |
| Net loans and leases to deposits | 91.1626% | 967 |
| Net loans and leases to core deposits | 96.8745% | 1,238 |
| Total domestic deposits to total assets | 83.2157% | 4,632 |
| Equity capital to assets | 11.3167% | 2,613 |
| Core capital (leverage) ratio | 12.0667% | 1,533 |
| Tier 1 risk-based capital ratio | 16.8494% | 2,726 |
| Total risk-based capital ratio | 17.9846% | 2,749 |
| Memoranda: | ||
| Average total assets | $140,040,800 | 3,954 |
| Average earning assets | $129,560,000 | 3,910 |
| Average equity | $16,368,600 | 3,731 |
| Average total loans | $111,573,200 | 3,265 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 3,616 |
| Cost of funding earning assets | 0.4595% | 5,728 |
| Net interest margin | 4.0453% | 2,312 |
| Noninterest income to average assets | 0.6349% | 3,075 |
| Noninterest expense to average assets | 3.2423% | 2,445 |
| Loan and lease loss provision to assets | 0.0852% | 4,545 |
| Net operating income to assets | 0.6581% | 4,101 |
| Return on assets (ROA) | 0.6581% | 4,368 |
| Pretax return on assets | 1.0482% | 3,539 |
| Return on Equity (ROE) | 5.5826% | 4,547 |
| Retained earnings to average equity (ytd only) | 5.5826% | 2,976 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0987% | 2,966 |
| Assets per employee ($millions) | 3.9449% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 6,242 |
| Loan loss allowance to noncurrent loans | 45.5230% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 1.6374% | 3,131 |
| Noncurrent loans to loans | 2.0893% | 2,753 |
| Net loans and leases to total assets | 77.6274% | 773 |
| Net loans and leases to deposits | 94.6140% | 744 |
| Net loans and leases to core deposits | 101.0317% | 1,051 |
| Total domestic deposits to total assets | 82.0465% | 5,005 |
| Equity capital to assets | 11.3928% | 2,857 |
| Core capital (leverage) ratio | 11.5737% | 1,933 |
| Tier 1 risk-based capital ratio | 16.4799% | 3,012 |
| Total risk-based capital ratio | 17.6043% | 3,046 |
| Memoranda: | ||
| Average total assets | $137,758,750 | 4,031 |
| Average earning assets | $127,387,500 | 3,990 |
| Average equity | $16,240,500 | 3,781 |
| Average total loans | $110,904,000 | 3,310 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 3,282 |
| Cost of funding earning assets | 0.4559% | 5,932 |
| Net interest margin | 4.1623% | 1,861 |
| Noninterest income to average assets | 0.5880% | 3,334 |
| Noninterest expense to average assets | 3.2912% | 2,335 |
| Loan and lease loss provision to assets | 0.1303% | 3,900 |
| Net operating income to assets | 0.6354% | 4,195 |
| Return on assets (ROA) | 0.6354% | 4,441 |
| Pretax return on assets | 1.0072% | 3,676 |
| Return on Equity (ROE) | 5.3256% | 4,655 |
| Retained earnings to average equity (ytd only) | 5.3256% | 3,075 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3144% | 3,028 |
| Assets per employee ($millions) | 3.2403% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 6,272 |
| Loan loss allowance to noncurrent loans | 33.5182% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 2.3297% | 2,398 |
| Noncurrent loans to loans | 2.8860% | 2,076 |
| Net loans and leases to total assets | 79.9424% | 517 |
| Net loans and leases to deposits | 99.8700% | 423 |
| Net loans and leases to core deposits | 108.5823% | 638 |
| Total domestic deposits to total assets | 80.0465% | 5,729 |
| Equity capital to assets | 11.7243% | 2,388 |
| Core capital (leverage) ratio | 11.8864% | 1,661 |
| Tier 1 risk-based capital ratio | 16.3649% | 2,974 |
| Total risk-based capital ratio | 17.4983% | 3,001 |
| Memoranda: | ||
| Average total assets | $135,025,000 | 4,098 |
| Average earning assets | $124,595,670 | 4,062 |
| Average equity | $16,111,000 | 3,790 |
| Average total loans | $109,741,000 | 3,340 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6121% | 3,450 |
| Cost of funding earning assets | 0.4612% | 6,075 |
| Net interest margin | 4.1509% | 1,937 |
| Noninterest income to average assets | 0.5058% | 3,874 |
| Noninterest expense to average assets | 3.3567% | 2,123 |
| Loan and lease loss provision to assets | 0.1415% | 3,587 |
| Net operating income to assets | 0.5449% | 4,624 |
| Return on assets (ROA) | 0.5449% | 4,837 |
| Pretax return on assets | 0.8550% | 4,211 |
| Return on Equity (ROE) | 4.5254% | 5,029 |
| Retained earnings to average equity (ytd only) | 4.5254% | 3,867 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1093% | 2,629 |
| Assets per employee ($millions) | 3.6148% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 6,429 |
| Loan loss allowance to noncurrent loans | 39.5393% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 1.9798% | 2,927 |
| Noncurrent loans to loans | 2.3926% | 2,712 |
| Net loans and leases to total assets | 81.9653% | 282 |
| Net loans and leases to deposits | 105.3417% | 224 |
| Net loans and leases to core deposits | 111.5649% | 481 |
| Total domestic deposits to total assets | 77.8090% | 6,292 |
| Equity capital to assets | 12.0420% | 2,007 |
| Core capital (leverage) ratio | 12.2846% | 1,444 |
| Tier 1 risk-based capital ratio | 16.5837% | 2,870 |
| Total risk-based capital ratio | 17.7081% | 2,893 |
| Memoranda: | ||
| Average total assets | $132,870,500 | 4,165 |
| Average earning assets | $123,154,000 | 4,135 |
| Average equity | $15,998,500 | 3,820 |
| Average total loans | $108,374,000 | 3,396 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 5,059 |
| Cost of funding earning assets | 0.5059% | 6,501 |
| Net interest margin | 3.9984% | 2,887 |
| Noninterest income to average assets | 0.6648% | 2,812 |
| Noninterest expense to average assets | 3.1962% | 2,882 |
| Loan and lease loss provision to assets | 0.0371% | 6,102 |
| Net operating income to assets | 0.7090% | 3,442 |
| Return on assets (ROA) | 0.7351% | 3,488 |
| Pretax return on assets | 1.1783% | 2,539 |
| Return on Equity (ROE) | 7.1305% | 3,339 |
| Retained earnings to average equity (ytd only) | 1.5185% | 5,133 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1268% | 3,373 |
| Assets per employee ($millions) | 3.5674% | 4,848 |
| Cash dividends to net income (ytd only)* | 78.7037% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 6,422 |
| Loan loss allowance to noncurrent loans | 54.0541% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 2.3532% | 2,571 |
| Noncurrent loans to loans | 1.7441% | 3,543 |
| Net loans and leases to total assets | 79.6057% | 534 |
| Net loans and leases to deposits | 100.7614% | 424 |
| Net loans and leases to core deposits | 104.1688% | 895 |
| Total domestic deposits to total assets | 79.0042% | 5,996 |
| Equity capital to assets | 12.0393% | 2,095 |
| Core capital (leverage) ratio | 11.8554% | 1,683 |
| Tier 1 risk-based capital ratio | 16.9370% | 2,634 |
| Total risk-based capital ratio | 18.0489% | 2,658 |
| Memoranda: | ||
| Average total assets | $132,218,800 | 4,121 |
| Average earning assets | $122,549,000 | 4,080 |
| Average equity | $13,631,600 | 4,204 |
| Average total loans | $101,963,000 | 3,574 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 5,323 |
| Cost of funding earning assets | 0.5172% | 6,639 |
| Net interest margin | 3.9601% | 3,104 |
| Noninterest income to average assets | 0.6199% | 3,054 |
| Noninterest expense to average assets | 3.2003% | 2,835 |
| Loan and lease loss provision to assets | 0.0383% | 5,961 |
| Net operating income to assets | 0.6597% | 3,824 |
| Return on assets (ROA) | 0.6945% | 3,822 |
| Pretax return on assets | 1.1098% | 2,967 |
| Return on Equity (ROE) | 7.0304% | 3,515 |
| Retained earnings to average equity (ytd only) | -0.7755% | 6,114 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5305% | 3,080 |
| Assets per employee ($millions) | 3.9476% | 3,961 |
| Cash dividends to net income (ytd only)* | 111.0304% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 6,386 |
| Loan loss allowance to noncurrent loans | 53.2006% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 2.2589% | 2,829 |
| Noncurrent loans to loans | 1.8258% | 3,609 |
| Net loans and leases to total assets | 72.9747% | 1,514 |
| Net loans and leases to deposits | 89.8789% | 1,226 |
| Net loans and leases to core deposits | 92.2927% | 1,968 |
| Total domestic deposits to total assets | 81.1923% | 5,374 |
| Equity capital to assets | 11.4079% | 2,770 |
| Core capital (leverage) ratio | 11.5012% | 2,025 |
| Tier 1 risk-based capital ratio | 16.7591% | 2,734 |
| Total risk-based capital ratio | 17.8643% | 2,769 |
| Memoranda: | ||
| Average total assets | $132,275,250 | 4,146 |
| Average earning assets | $122,720,500 | 4,102 |
| Average equity | $13,066,750 | 4,337 |
| Average total loans | $100,935,250 | 3,625 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 5,275 |
| Cost of funding earning assets | 0.5320% | 6,736 |
| Net interest margin | 3.9933% | 2,869 |
| Noninterest income to average assets | 0.5495% | 3,480 |
| Noninterest expense to average assets | 3.2614% | 2,698 |
| Loan and lease loss provision to assets | 0.0583% | 5,584 |
| Net operating income to assets | 0.5885% | 4,115 |
| Return on assets (ROA) | 0.6415% | 3,968 |
| Pretax return on assets | 1.0222% | 3,151 |
| Return on Equity (ROE) | 6.8703% | 3,499 |
| Retained earnings to average equity (ytd only) | -5.7033% | 6,631 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5766% | 2,923 |
| Assets per employee ($millions) | 3.3531% | 5,317 |
| Cash dividends to net income (ytd only)* | 183.0144% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,423 |
| Loan loss allowance to noncurrent loans | 42.0851% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 1.7970% | 3,512 |
| Noncurrent loans to loans | 2.3245% | 3,066 |
| Net loans and leases to total assets | 76.5508% | 993 |
| Net loans and leases to deposits | 92.6205% | 986 |
| Net loans and leases to core deposits | 95.0079% | 1,793 |
| Total domestic deposits to total assets | 82.6500% | 4,926 |
| Equity capital to assets | 9.0876% | 5,459 |
| Core capital (leverage) ratio | 9.2042% | 4,395 |
| Tier 1 risk-based capital ratio | 12.9226% | 4,980 |
| Total risk-based capital ratio | 14.0492% | 5,063 |
| Memoranda: | ||
| Average total assets | $130,311,330 | 4,228 |
| Average earning assets | $121,052,000 | 4,167 |
| Average equity | $12,168,330 | 4,513 |
| Average total loans | $100,641,670 | 3,669 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4785% | 5,410 |
| Cost of funding earning assets | 0.5417% | 6,826 |
| Net interest margin | 3.9369% | 2,972 |
| Noninterest income to average assets | 0.5289% | 3,660 |
| Noninterest expense to average assets | 3.2810% | 2,615 |
| Loan and lease loss provision to assets | 0.0215% | 5,683 |
| Net operating income to assets | 0.5627% | 4,225 |
| Return on assets (ROA) | 0.5627% | 4,302 |
| Pretax return on assets | 0.8918% | 3,528 |
| Return on Equity (ROE) | 5.9461% | 3,935 |
| Retained earnings to average equity (ytd only) | 4.4840% | 3,487 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2258% | 2,811 |
| Assets per employee ($millions) | 3.6549% | 4,640 |
| Cash dividends to net income (ytd only)* | 24.5902% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 6,530 |
| Loan loss allowance to noncurrent loans | 40.7313% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 1.8386% | 3,512 |
| Noncurrent loans to loans | 2.3435% | 3,145 |
| Net loans and leases to total assets | 77.7073% | 770 |
| Net loans and leases to deposits | 94.7300% | 765 |
| Net loans and leases to core deposits | 97.0022% | 1,595 |
| Total domestic deposits to total assets | 82.0303% | 5,306 |
| Equity capital to assets | 9.6739% | 4,212 |
| Core capital (leverage) ratio | 9.5301% | 3,757 |
| Tier 1 risk-based capital ratio | 13.5943% | 4,362 |
| Total risk-based capital ratio | 14.6999% | 4,443 |
| Memoranda: | ||
| Average total assets | $130,081,000 | 4,259 |
| Average earning assets | $121,111,000 | 4,196 |
| Average equity | $12,310,500 | 4,480 |
| Average total loans | $100,414,500 | 3,708 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 4,846 |
| Cost of funding earning assets | 0.7234% | 6,811 |
| Net interest margin | 4.2135% | 2,132 |
| Noninterest income to average assets | 0.5756% | 3,622 |
| Noninterest expense to average assets | 3.3257% | 2,654 |
| Loan and lease loss provision to assets | 0.0972% | 6,172 |
| Net operating income to assets | 0.6783% | 3,307 |
| Return on assets (ROA) | 0.6783% | 3,442 |
| Pretax return on assets | 1.0900% | 2,607 |
| Return on Equity (ROE) | 7.1949% | 3,026 |
| Retained earnings to average equity (ytd only) | 5.6977% | 1,991 |
| Net charge-offs to loans | 0.0655% | 6,138 |
| Credit loss provision to net charge-offs | 190.7692% | 1,689 |
| Earnings coverage of net charge-offs (x) | 23.2923% | 909 |
| Efficiency ratio | 73.6924% | 3,463 |
| Assets per employee ($millions) | 3.7783% | 4,308 |
| Cash dividends to net income (ytd only)* | 20.8092% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 6,587 |
| Loan loss allowance to noncurrent loans | 75.4163% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.9536% | 5,105 |
| Noncurrent loans to loans | 1.2551% | 4,617 |
| Net loans and leases to total assets | 75.2535% | 1,424 |
| Net loans and leases to deposits | 91.9690% | 1,268 |
| Net loans and leases to core deposits | 94.1424% | 2,240 |
| Total domestic deposits to total assets | 81.8249% | 5,239 |
| Equity capital to assets | 9.2604% | 4,738 |
| Core capital (leverage) ratio | 8.9811% | 4,581 |
| Tier 1 risk-based capital ratio | 13.3399% | 4,340 |
| Total risk-based capital ratio | 14.4250% | 4,423 |
| Memoranda: | ||
| Average total assets | $127,521,800 | 4,326 |
| Average earning assets | $119,165,400 | 4,250 |
| Average equity | $12,022,400 | 4,596 |
| Average total loans | $99,225,800 | 3,820 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0119% | 4,754 |
| Cost of funding earning assets | 0.7369% | 6,955 |
| Net interest margin | 4.2750% | 1,938 |
| Noninterest income to average assets | 0.5561% | 3,743 |
| Noninterest expense to average assets | 3.3316% | 2,478 |
| Loan and lease loss provision to assets | 0.1076% | 5,957 |
| Net operating income to assets | 0.6933% | 3,447 |
| Return on assets (ROA) | 0.6933% | 3,606 |
| Pretax return on assets | 1.1144% | 2,780 |
| Return on Equity (ROE) | 7.3203% | 3,198 |
| Retained earnings to average equity (ytd only) | 5.8161% | 2,469 |
| Net charge-offs to loans | 0.0876% | 5,655 |
| Credit loss provision to net charge-offs | 156.9231% | 2,437 |
| Earnings coverage of net charge-offs (x) | 17.8163% | 1,300 |
| Efficiency ratio | 73.1634% | 3,490 |
| Assets per employee ($millions) | 3.5406% | 4,879 |
| Cash dividends to net income (ytd only)* | 20.5484% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 6,600 |
| Loan loss allowance to noncurrent loans | 84.4545% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 5,460 |
| Noncurrent loans to loans | 1.1163% | 5,012 |
| Net loans and leases to total assets | 72.5519% | 2,115 |
| Net loans and leases to deposits | 87.2283% | 2,119 |
| Net loans and leases to core deposits | 89.2151% | 3,206 |
| Total domestic deposits to total assets | 83.1746% | 4,519 |
| Equity capital to assets | 9.1102% | 5,432 |
| Core capital (leverage) ratio | 9.1141% | 4,508 |
| Tier 1 risk-based capital ratio | 13.8933% | 3,919 |
| Total risk-based capital ratio | 15.0135% | 3,967 |
| Memoranda: | ||
| Average total assets | $126,342,000 | 4,407 |
| Average earning assets | $118,142,000 | 4,332 |
| Average equity | $11,966,500 | 4,686 |
| Average total loans | $98,915,500 | 3,895 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1363% | 4,268 |
| Cost of funding earning assets | 0.7575% | 7,043 |
| Net interest margin | 4.3787% | 1,512 |
| Noninterest income to average assets | 0.5356% | 3,831 |
| Noninterest expense to average assets | 3.4140% | 2,226 |
| Loan and lease loss provision to assets | 0.1278% | 5,602 |
| Net operating income to assets | 0.6747% | 3,511 |
| Return on assets (ROA) | 0.6747% | 3,658 |
| Pretax return on assets | 1.0808% | 2,844 |
| Return on Equity (ROE) | 7.0263% | 3,288 |
| Retained earnings to average equity (ytd only) | 5.5098% | 2,603 |
| Net charge-offs to loans | 0.1313% | 4,895 |
| Credit loss provision to net charge-offs | 121.5385% | 3,334 |
| Earnings coverage of net charge-offs (x) | 11.4923% | 1,762 |
| Efficiency ratio | 73.8537% | 3,499 |
| Assets per employee ($millions) | 3.3288% | 5,362 |
| Cash dividends to net income (ytd only)* | 21.5827% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 6,770 |
| Loan loss allowance to noncurrent loans | 80.3904% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 5,335 |
| Noncurrent loans to loans | 1.1155% | 5,093 |
| Net loans and leases to total assets | 79.1559% | 925 |
| Net loans and leases to deposits | 96.1540% | 1,037 |
| Net loans and leases to core deposits | 99.3915% | 2,081 |
| Total domestic deposits to total assets | 82.3220% | 4,858 |
| Equity capital to assets | 9.5379% | 4,650 |
| Core capital (leverage) ratio | 9.6289% | 3,641 |
| Tier 1 risk-based capital ratio | 13.5150% | 4,055 |
| Total risk-based capital ratio | 14.5965% | 4,133 |
| Memoranda: | ||
| Average total assets | $123,609,000 | 4,498 |
| Average earning assets | $115,376,000 | 4,431 |
| Average equity | $11,869,670 | 4,714 |
| Average total loans | $99,040,330 | 3,927 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0088% | 4,984 |
| Cost of funding earning assets | 0.7887% | 7,122 |
| Net interest margin | 4.2202% | 1,961 |
| Noninterest income to average assets | 0.5304% | 3,815 |
| Noninterest expense to average assets | 3.4707% | 2,058 |
| Loan and lease loss provision to assets | 0.0819% | 5,822 |
| Net operating income to assets | 0.5795% | 3,987 |
| Return on assets (ROA) | 0.5795% | 4,129 |
| Pretax return on assets | 0.9201% | 3,387 |
| Return on Equity (ROE) | 6.0143% | 3,878 |
| Retained earnings to average equity (ytd only) | 4.4852% | 3,471 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5988% | 2,961 |
| Assets per employee ($millions) | 3.4265% | 5,218 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 6,816 |
| Loan loss allowance to noncurrent loans | 109.4272% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 5,813 |
| Noncurrent loans to loans | 0.8314% | 5,650 |
| Net loans and leases to total assets | 80.9686% | 719 |
| Net loans and leases to deposits | 94.2841% | 1,319 |
| Net loans and leases to core deposits | 96.8683% | 2,479 |
| Total domestic deposits to total assets | 85.8772% | 3,219 |
| Equity capital to assets | 9.5838% | 4,399 |
| Core capital (leverage) ratio | 9.6770% | 3,549 |
| Tier 1 risk-based capital ratio | 13.8700% | 3,750 |
| Total risk-based capital ratio | 15.0110% | 3,780 |
| Memoranda: | ||
| Average total assets | $122,165,500 | 4,580 |
| Average earning assets | $114,119,000 | 4,511 |
| Average equity | $11,772,000 | 4,776 |
| Average total loans | $98,043,000 | 4,017 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2722% | 5,314 |
| Cost of funding earning assets | 1.1783% | 6,738 |
| Net interest margin | 4.0939% | 2,484 |
| Noninterest income to average assets | 0.5942% | 3,676 |
| Noninterest expense to average assets | 3.6468% | 2,040 |
| Loan and lease loss provision to assets | 0.0247% | 7,262 |
| Net operating income to assets | 0.4741% | 3,839 |
| Return on assets (ROA) | 0.4741% | 3,945 |
| Pretax return on assets | 0.7317% | 3,468 |
| Return on Equity (ROE) | 5.0540% | 3,646 |
| Retained earnings to average equity (ytd only) | 0.3597% | 4,703 |
| Net charge-offs to loans | 0.0543% | 6,555 |
| Credit loss provision to net charge-offs | 57.6923% | 6,668 |
| Earnings coverage of net charge-offs (x) | 17.6731% | 1,170 |
| Efficiency ratio | 82.8224% | 2,499 |
| Assets per employee ($millions) | 3.1020% | 5,988 |
| Cash dividends to net income (ytd only)* | 92.8819% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 6,684 |
| Loan loss allowance to noncurrent loans | 105.9382% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6960% | 5,712 |
| Noncurrent loans to loans | 0.8836% | 5,536 |
| Net loans and leases to total assets | 78.0305% | 1,373 |
| Net loans and leases to deposits | 93.2465% | 1,702 |
| Net loans and leases to core deposits | 100.9324% | 3,908 |
| Total domestic deposits to total assets | 83.6820% | 4,184 |
| Equity capital to assets | 9.6894% | 4,154 |
| Core capital (leverage) ratio | 9.3769% | 3,864 |
| Tier 1 risk-based capital ratio | 14.4721% | 3,226 |
| Total risk-based capital ratio | 15.6451% | 3,218 |
| Memoranda: | ||
| Average total assets | $121,503,400 | 4,523 |
| Average earning assets | $113,046,200 | 4,478 |
| Average equity | $11,397,000 | 4,911 |
| Average total loans | $95,719,000 | 4,068 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3134% | 5,354 |
| Cost of funding earning assets | 1.2546% | 6,700 |
| Net interest margin | 4.0588% | 2,553 |
| Noninterest income to average assets | 0.5996% | 3,707 |
| Noninterest expense to average assets | 3.6326% | 1,954 |
| Loan and lease loss provision to assets | 0.0219% | 7,132 |
| Net operating income to assets | 0.4527% | 4,181 |
| Return on assets (ROA) | 0.4527% | 4,289 |
| Pretax return on assets | 0.7147% | 3,803 |
| Return on Equity (ROE) | 4.8662% | 4,022 |
| Retained earnings to average equity (ytd only) | -1.0840% | 5,511 |
| Net charge-offs to loans | 0.0710% | 5,981 |
| Credit loss provision to net charge-offs | 39.2157% | 6,432 |
| Earnings coverage of net charge-offs (x) | 13.1762% | 1,694 |
| Efficiency ratio | 83.1410% | 2,413 |
| Assets per employee ($millions) | 3.0690% | 5,989 |
| Cash dividends to net income (ytd only)* | 122.2773% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 6,626 |
| Loan loss allowance to noncurrent loans | 104.2503% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 5,801 |
| Noncurrent loans to loans | 0.8948% | 5,492 |
| Net loans and leases to total assets | 74.5218% | 2,371 |
| Net loans and leases to deposits | 88.6513% | 2,845 |
| Net loans and leases to core deposits | 96.5268% | 4,749 |
| Total domestic deposits to total assets | 84.0617% | 3,697 |
| Equity capital to assets | 9.1577% | 5,242 |
| Core capital (leverage) ratio | 9.3230% | 4,149 |
| Tier 1 risk-based capital ratio | 14.3678% | 3,346 |
| Total risk-based capital ratio | 15.4663% | 3,379 |
| Memoranda: | ||
| Average total assets | $121,635,000 | 4,553 |
| Average earning assets | $112,970,000 | 4,519 |
| Average equity | $11,315,750 | 4,975 |
| Average total loans | $95,826,000 | 4,089 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4103% | 5,094 |
| Cost of funding earning assets | 1.3813% | 6,547 |
| Net interest margin | 4.0290% | 2,587 |
| Noninterest income to average assets | 0.4874% | 4,561 |
| Noninterest expense to average assets | 3.6877% | 1,864 |
| Loan and lease loss provision to assets | 0.0166% | 7,061 |
| Net operating income to assets | 0.3310% | 4,758 |
| Return on assets (ROA) | 0.3310% | 4,872 |
| Pretax return on assets | 0.5190% | 4,556 |
| Return on Equity (ROE) | 3.5388% | 4,692 |
| Retained earnings to average equity (ytd only) | -5.4416% | 6,366 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3178% | 2,095 |
| Assets per employee ($millions) | 2.6977% | 6,837 |
| Cash dividends to net income (ytd only)* | 253.7688% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 6,536 |
| Loan loss allowance to noncurrent loans | 81.8423% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 5,116 |
| Noncurrent loans to loans | 1.1641% | 4,888 |
| Net loans and leases to total assets | 79.1313% | 1,493 |
| Net loans and leases to deposits | 96.6604% | 1,706 |
| Net loans and leases to core deposits | 107.3462% | 3,684 |
| Total domestic deposits to total assets | 81.8653% | 4,749 |
| Equity capital to assets | 9.2391% | 4,950 |
| Core capital (leverage) ratio | 9.4599% | 3,940 |
| Tier 1 risk-based capital ratio | 13.9469% | 3,550 |
| Total risk-based capital ratio | 15.0837% | 3,549 |
| Memoranda: | ||
| Average total assets | $120,237,000 | 4,627 |
| Average earning assets | $111,490,330 | 4,589 |
| Average equity | $11,246,670 | 5,012 |
| Average total loans | $96,217,000 | 4,109 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4146% | 5,345 |
| Cost of funding earning assets | 1.4646% | 6,523 |
| Net interest margin | 3.9500% | 2,851 |
| Noninterest income to average assets | 0.4814% | 4,495 |
| Noninterest expense to average assets | 3.5735% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3477% | 5,079 |
| Return on assets (ROA) | 0.3477% | 5,262 |
| Pretax return on assets | 0.5683% | 4,852 |
| Return on Equity (ROE) | 3.6938% | 5,087 |
| Retained earnings to average equity (ytd only) | -14.2426% | 7,394 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2793% | 2,040 |
| Assets per employee ($millions) | 2.8121% | 6,610 |
| Cash dividends to net income (ytd only)* | 485.5769% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 6,447 |
| Loan loss allowance to noncurrent loans | 230.2267% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 6,507 |
| Noncurrent loans to loans | 0.4160% | 6,376 |
| Net loans and leases to total assets | 80.0367% | 1,385 |
| Net loans and leases to deposits | 99.4320% | 1,486 |
| Net loans and leases to core deposits | 113.7300% | 3,030 |
| Total domestic deposits to total assets | 80.4940% | 5,174 |
| Equity capital to assets | 9.4042% | 4,804 |
| Core capital (leverage) ratio | 9.4413% | 4,055 |
| Tier 1 risk-based capital ratio | 14.3174% | 3,421 |
| Total risk-based capital ratio | 15.4815% | 3,393 |
| Memoranda: | ||
| Average total assets | $119,657,000 | 4,670 |
| Average earning assets | $110,886,000 | 4,611 |
| Average equity | $11,262,000 | 5,037 |
| Average total loans | $95,832,000 | 4,151 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8944% | 6,059 |
| Cost of funding earning assets | 1.7536% | 7,128 |
| Net interest margin | 4.1408% | 2,537 |
| Noninterest income to average assets | 0.4734% | 4,847 |
| Noninterest expense to average assets | 3.4894% | 2,424 |
| Loan and lease loss provision to assets | 0.0042% | 7,304 |
| Net operating income to assets | 0.4929% | 4,771 |
| Return on assets (ROA) | 0.4929% | 4,604 |
| Pretax return on assets | 0.7716% | 4,173 |
| Return on Equity (ROE) | 5.1301% | 4,322 |
| Retained earnings to average equity (ytd only) | 3.3936% | 3,041 |
| Net charge-offs to loans | 0.0436% | 6,163 |
| Credit loss provision to net charge-offs | 12.5000% | 6,612 |
| Earnings coverage of net charge-offs (x) | 22.9000% | 1,444 |
| Efficiency ratio | 81.8110% | 2,325 |
| Assets per employee ($millions) | 2.8859% | 6,353 |
| Cash dividends to net income (ytd only)* | 33.8488% | 3,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 5,972 |
| Loan loss allowance to noncurrent loans | 1,446.2687% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 7,354 |
| Noncurrent loans to loans | 0.0696% | 7,226 |
| Net loans and leases to total assets | 78.5862% | 1,981 |
| Net loans and leases to deposits | 99.1052% | 1,973 |
| Net loans and leases to core deposits | 110.9129% | 3,696 |
| Total domestic deposits to total assets | 79.2958% | 5,263 |
| Equity capital to assets | 9.4194% | 4,799 |
| Core capital (leverage) ratio | 9.5843% | 3,902 |
| Tier 1 risk-based capital ratio | 14.5311% | 3,279 |
| Total risk-based capital ratio | 15.7405% | 3,220 |
| Memoranda: | ||
| Average total assets | $118,071,800 | 4,567 |
| Average earning assets | $108,118,800 | 4,558 |
| Average equity | $11,344,800 | 5,025 |
| Average total loans | $91,721,600 | 4,168 |