Home > The Farmers Citizens Bank > Performance and Condition Ratios
The Farmers Citizens Bank, Performance and Condition Ratios
| 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 | 4.4129% | 2,552 |
| Cost of funding earning assets | 0.8158% | 1,235 |
| Net interest margin | 3.5971% | 3,457 |
| Noninterest income to average assets | 0.6544% | 2,861 |
| Noninterest expense to average assets | 3.3031% | 2,076 |
| Loan and lease loss provision to assets | 0.1533% | 2,351 |
| Net operating income to assets | 0.4213% | 5,154 |
| Return on assets (ROA) | 0.6324% | 4,328 |
| Pretax return on assets | 0.8864% | 3,941 |
| Return on Equity (ROE) | 7.3083% | 3,481 |
| Retained earnings to average equity (ytd only) | 1.4716% | 5,397 |
| Net charge-offs to loans | 0.4707% | 1,364 |
| Credit loss provision to net charge-offs | 48.4607% | 3,546 |
| Earnings coverage of net charge-offs (x) | 2.3466% | 4,054 |
| Efficiency ratio | 81.6479% | 1,872 |
| Assets per employee ($millions) | 4.3780% | 3,089 |
| Cash dividends to net income (ytd only)* | 79.8633% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 5,387 |
| Loan loss allowance to noncurrent loans | 168.3704% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 5,058 |
| Noncurrent loans to loans | 0.6443% | 4,585 |
| Net loans and leases to total assets | 68.6107% | 2,215 |
| Net loans and leases to deposits | 76.2989% | 2,917 |
| Net loans and leases to core deposits | 83.2037% | 2,741 |
| Total domestic deposits to total assets | 89.9236% | 1,043 |
| Equity capital to assets | 8.1916% | 6,013 |
| Core capital (leverage) ratio | 8.8226% | 5,379 |
| Tier 1 risk-based capital ratio | 13.2904% | 4,911 |
| Total risk-based capital ratio | 14.4319% | 4,938 |
| Memoranda: | ||
| Average total assets | $369,586,250 | 1,776 |
| Average earning assets | $348,422,750 | 1,734 |
| Average equity | $31,981,250 | 2,149 |
| Average total loans | $248,442,500 | 1,669 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 2,527 |
| Cost of funding earning assets | 0.8177% | 1,326 |
| Net interest margin | 3.5917% | 3,394 |
| Noninterest income to average assets | 0.6731% | 2,778 |
| Noninterest expense to average assets | 3.0726% | 2,751 |
| Loan and lease loss provision to assets | 0.2305% | 1,623 |
| Net operating income to assets | 0.5515% | 4,546 |
| Return on assets (ROA) | 0.8732% | 3,088 |
| Pretax return on assets | 1.2046% | 2,656 |
| Return on Equity (ROE) | 9.9136% | 2,229 |
| Retained earnings to average equity (ytd only) | 3.1403% | 4,325 |
| Net charge-offs to loans | 0.7120% | 918 |
| Credit loss provision to net charge-offs | 48.6827% | 3,240 |
| Earnings coverage of net charge-offs (x) | 2.0871% | 3,825 |
| Efficiency ratio | 75.6645% | 2,834 |
| Assets per employee ($millions) | 4.1836% | 3,395 |
| Cash dividends to net income (ytd only)* | 68.3230% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 5,425 |
| Loan loss allowance to noncurrent loans | 175.3596% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 5,151 |
| Noncurrent loans to loans | 0.6303% | 4,680 |
| Net loans and leases to total assets | 68.9299% | 2,073 |
| Net loans and leases to deposits | 76.7319% | 2,765 |
| Net loans and leases to core deposits | 83.1921% | 2,669 |
| Total domestic deposits to total assets | 89.8322% | 1,134 |
| Equity capital to assets | 8.3369% | 5,936 |
| Core capital (leverage) ratio | 8.8704% | 5,190 |
| Tier 1 risk-based capital ratio | 13.3456% | 4,884 |
| Total risk-based capital ratio | 14.4884% | 4,908 |
| Memoranda: | ||
| Average total assets | $368,739,330 | 1,775 |
| Average earning assets | $347,802,330 | 1,739 |
| Average equity | $32,480,670 | 2,128 |
| Average total loans | $245,217,000 | 1,691 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 2,910 |
| Cost of funding earning assets | 0.8189% | 1,424 |
| Net interest margin | 3.4768% | 3,801 |
| Noninterest income to average assets | 0.5917% | 3,185 |
| Noninterest expense to average assets | 3.1203% | 2,615 |
| Loan and lease loss provision to assets | 0.4042% | 763 |
| Net operating income to assets | 0.2524% | 5,718 |
| Return on assets (ROA) | 0.8504% | 3,043 |
| Pretax return on assets | 1.1673% | 2,692 |
| Return on Equity (ROE) | 9.4071% | 2,315 |
| Retained earnings to average equity (ytd only) | 4.6380% | 3,453 |
| Net charge-offs to loans | 1.4590% | 375 |
| Credit loss provision to net charge-offs | 42.6621% | 2,712 |
| Earnings coverage of net charge-offs (x) | 0.7941% | 3,566 |
| Efficiency ratio | 80.5733% | 2,240 |
| Assets per employee ($millions) | 4.3552% | 3,233 |
| Cash dividends to net income (ytd only)* | 50.6971% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 5,444 |
| Loan loss allowance to noncurrent loans | 151.2383% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 5,143 |
| Noncurrent loans to loans | 0.7539% | 4,619 |
| Net loans and leases to total assets | 63.6162% | 2,785 |
| Net loans and leases to deposits | 71.1770% | 3,295 |
| Net loans and leases to core deposits | 76.7327% | 3,229 |
| Total domestic deposits to total assets | 89.3774% | 1,435 |
| Equity capital to assets | 8.8530% | 5,661 |
| Core capital (leverage) ratio | 9.0005% | 4,889 |
| Tier 1 risk-based capital ratio | 13.9158% | 4,570 |
| Total risk-based capital ratio | 15.0881% | 4,583 |
| Memoranda: | ||
| Average total assets | $371,123,500 | 1,776 |
| Average earning assets | $350,208,500 | 1,740 |
| Average equity | $33,549,000 | 2,107 |
| Average total loans | $240,981,000 | 1,722 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 3,023 |
| Cost of funding earning assets | 0.9732% | 1,506 |
| Net interest margin | 3.6218% | 3,994 |
| Noninterest income to average assets | 0.8046% | 2,248 |
| Noninterest expense to average assets | 2.9920% | 3,308 |
| Loan and lease loss provision to assets | 0.1151% | 4,192 |
| Net operating income to assets | 0.8216% | 3,177 |
| Return on assets (ROA) | 0.9969% | 2,572 |
| Pretax return on assets | 1.3648% | 2,158 |
| Return on Equity (ROE) | 10.8433% | 1,857 |
| Retained earnings to average equity (ytd only) | 6.5993% | 1,763 |
| Net charge-offs to loans | -0.0927% | 6,811 |
| Credit loss provision to net charge-offs | -195.7346% | 6,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7041% | 3,674 |
| Assets per employee ($millions) | 4.2264% | 3,499 |
| Cash dividends to net income (ytd only)* | 39.1389% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 4,406 |
| Loan loss allowance to noncurrent loans | 115.5650% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 4,553 |
| Noncurrent loans to loans | 1.1679% | 3,900 |
| Net loans and leases to total assets | 64.6423% | 2,789 |
| Net loans and leases to deposits | 73.4320% | 3,184 |
| Net loans and leases to core deposits | 78.8785% | 3,154 |
| Total domestic deposits to total assets | 88.0301% | 2,222 |
| Equity capital to assets | 9.2302% | 5,235 |
| Core capital (leverage) ratio | 8.9810% | 4,926 |
| Tier 1 risk-based capital ratio | 13.8771% | 4,467 |
| Total risk-based capital ratio | 15.1289% | 4,430 |
| Memoranda: | ||
| Average total assets | $358,795,400 | 1,812 |
| Average earning assets | $339,497,400 | 1,753 |
| Average equity | $32,988,200 | 2,088 |
| Average total loans | $227,587,800 | 1,792 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 3,187 |
| Cost of funding earning assets | 0.9948% | 1,592 |
| Net interest margin | 3.6080% | 4,206 |
| Noninterest income to average assets | 0.7572% | 2,442 |
| Noninterest expense to average assets | 2.9102% | 3,553 |
| Loan and lease loss provision to assets | 0.1167% | 4,096 |
| Net operating income to assets | 0.8410% | 3,255 |
| Return on assets (ROA) | 0.9296% | 3,060 |
| Pretax return on assets | 1.2635% | 2,736 |
| Return on Equity (ROE) | 10.1207% | 2,289 |
| Retained earnings to average equity (ytd only) | 5.6425% | 2,930 |
| Net charge-offs to loans | -0.1730% | 6,963 |
| Credit loss provision to net charge-offs | -107.2165% | 6,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7777% | 3,733 |
| Assets per employee ($millions) | 4.2399% | 3,390 |
| Cash dividends to net income (ytd only)* | 44.2478% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 4,766 |
| Loan loss allowance to noncurrent loans | 126.3590% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 4,911 |
| Noncurrent loans to loans | 1.0375% | 4,370 |
| Net loans and leases to total assets | 67.4868% | 2,370 |
| Net loans and leases to deposits | 77.0946% | 2,794 |
| Net loans and leases to core deposits | 82.8124% | 2,859 |
| Total domestic deposits to total assets | 87.5376% | 2,326 |
| Equity capital to assets | 9.4784% | 5,234 |
| Core capital (leverage) ratio | 8.9571% | 5,127 |
| Tier 1 risk-based capital ratio | 13.2915% | 5,029 |
| Total risk-based capital ratio | 14.5410% | 4,993 |
| Memoranda: | ||
| Average total assets | $356,570,250 | 1,845 |
| Average earning assets | $337,350,750 | 1,782 |
| Average equity | $32,750,500 | 2,121 |
| Average total loans | $224,250,000 | 1,827 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5995% | 3,361 |
| Cost of funding earning assets | 1.0007% | 1,757 |
| Net interest margin | 3.5988% | 4,267 |
| Noninterest income to average assets | 0.7171% | 2,570 |
| Noninterest expense to average assets | 2.8956% | 3,635 |
| Loan and lease loss provision to assets | 0.1548% | 3,585 |
| Net operating income to assets | 0.7835% | 3,456 |
| Return on assets (ROA) | 0.8821% | 3,248 |
| Pretax return on assets | 1.2046% | 2,906 |
| Return on Equity (ROE) | 9.7085% | 2,480 |
| Retained earnings to average equity (ytd only) | 5.0618% | 3,247 |
| Net charge-offs to loans | -0.3044% | 7,072 |
| Credit loss provision to net charge-offs | -83.3333% | 6,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2828% | 3,716 |
| Assets per employee ($millions) | 4.2743% | 3,304 |
| Cash dividends to net income (ytd only)* | 47.8622% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 4,491 |
| Loan loss allowance to noncurrent loans | 787.8345% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 6,498 |
| Noncurrent loans to loans | 0.1770% | 6,232 |
| Net loans and leases to total assets | 64.5250% | 2,930 |
| Net loans and leases to deposits | 73.4373% | 3,393 |
| Net loans and leases to core deposits | 78.9142% | 3,373 |
| Total domestic deposits to total assets | 87.8641% | 2,236 |
| Equity capital to assets | 9.3389% | 5,270 |
| Core capital (leverage) ratio | 8.8775% | 5,080 |
| Tier 1 risk-based capital ratio | 13.6055% | 4,736 |
| Total risk-based capital ratio | 14.8573% | 4,704 |
| Memoranda: | ||
| Average total assets | $355,297,330 | 1,850 |
| Average earning assets | $335,949,000 | 1,791 |
| Average equity | $32,281,000 | 2,135 |
| Average total loans | $216,851,330 | 1,883 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5992% | 3,502 |
| Cost of funding earning assets | 1.0170% | 1,882 |
| Net interest margin | 3.5821% | 4,343 |
| Noninterest income to average assets | 0.7492% | 2,404 |
| Noninterest expense to average assets | 2.8451% | 3,847 |
| Loan and lease loss provision to assets | 0.1687% | 3,282 |
| Net operating income to assets | 0.8200% | 3,299 |
| Return on assets (ROA) | 0.8561% | 3,363 |
| Pretax return on assets | 1.1688% | 3,030 |
| Return on Equity (ROE) | 9.5555% | 2,579 |
| Retained earnings to average equity (ytd only) | 5.1607% | 3,465 |
| Net charge-offs to loans | 0.1281% | 3,339 |
| Credit loss provision to net charge-offs | 223.8806% | 1,243 |
| Earnings coverage of net charge-offs (x) | 17.0896% | 1,321 |
| Efficiency ratio | 68.8351% | 4,009 |
| Assets per employee ($millions) | 4.3748% | 3,244 |
| Cash dividends to net income (ytd only)* | 45.9921% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 5,101 |
| Loan loss allowance to noncurrent loans | 606.2500% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 6,574 |
| Noncurrent loans to loans | 0.2115% | 6,265 |
| Net loans and leases to total assets | 59.0152% | 3,852 |
| Net loans and leases to deposits | 67.4786% | 4,150 |
| Net loans and leases to core deposits | 72.3796% | 4,091 |
| Total domestic deposits to total assets | 87.4576% | 2,684 |
| Equity capital to assets | 9.0843% | 5,381 |
| Core capital (leverage) ratio | 8.8024% | 5,128 |
| Tier 1 risk-based capital ratio | 13.9206% | 4,516 |
| Total risk-based capital ratio | 15.1592% | 4,506 |
| Memoranda: | ||
| Average total assets | $355,563,500 | 1,860 |
| Average earning assets | $335,888,000 | 1,798 |
| Average equity | $31,856,000 | 2,161 |
| Average total loans | $209,202,000 | 1,957 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 4,918 |
| Cost of funding earning assets | 1.2520% | 1,726 |
| Net interest margin | 3.2877% | 5,848 |
| Noninterest income to average assets | 0.5443% | 3,551 |
| Noninterest expense to average assets | 2.6491% | 4,923 |
| Loan and lease loss provision to assets | 0.2709% | 3,506 |
| Net operating income to assets | 0.5201% | 4,340 |
| Return on assets (ROA) | 0.6958% | 3,699 |
| Pretax return on assets | 0.9576% | 3,405 |
| Return on Equity (ROE) | 8.1070% | 2,854 |
| Retained earnings to average equity (ytd only) | 5.4441% | 2,340 |
| Net charge-offs to loans | 0.3514% | 3,642 |
| Credit loss provision to net charge-offs | 140.5564% | 2,096 |
| Earnings coverage of net charge-offs (x) | 5.1259% | 2,891 |
| Efficiency ratio | 72.8394% | 3,420 |
| Assets per employee ($millions) | 4.5740% | 2,791 |
| Cash dividends to net income (ytd only)* | 32.8467% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 5,043 |
| Loan loss allowance to noncurrent loans | 731.3889% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 6,705 |
| Noncurrent loans to loans | 0.1743% | 6,402 |
| Net loans and leases to total assets | 57.1602% | 4,523 |
| Net loans and leases to deposits | 65.1858% | 4,852 |
| Net loans and leases to core deposits | 69.7619% | 4,811 |
| Total domestic deposits to total assets | 87.6881% | 2,343 |
| Equity capital to assets | 8.8351% | 5,751 |
| Core capital (leverage) ratio | 8.5401% | 5,492 |
| Tier 1 risk-based capital ratio | 13.9921% | 4,330 |
| Total risk-based capital ratio | 15.2153% | 4,302 |
| Memoranda: | ||
| Average total assets | $354,419,000 | 1,827 |
| Average earning assets | $333,399,000 | 1,779 |
| Average equity | $30,418,200 | 2,161 |
| Average total loans | $194,385,400 | 2,091 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 5,085 |
| Cost of funding earning assets | 1.2991% | 1,714 |
| Net interest margin | 3.2507% | 6,013 |
| Noninterest income to average assets | 0.5102% | 3,796 |
| Noninterest expense to average assets | 2.5345% | 5,337 |
| Loan and lease loss provision to assets | 0.3146% | 3,017 |
| Net operating income to assets | 0.5147% | 4,477 |
| Return on assets (ROA) | 0.6851% | 3,865 |
| Pretax return on assets | 0.9500% | 3,591 |
| Return on Equity (ROE) | 8.0416% | 3,022 |
| Retained earnings to average equity (ytd only) | 5.1222% | 3,096 |
| Net charge-offs to loans | 0.2655% | 3,781 |
| Credit loss provision to net charge-offs | 219.1601% | 1,303 |
| Earnings coverage of net charge-offs (x) | 7.1601% | 2,410 |
| Efficiency ratio | 71.1445% | 3,707 |
| Assets per employee ($millions) | 4.6884% | 2,636 |
| Cash dividends to net income (ytd only)* | 36.3037% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 4,508 |
| Loan loss allowance to noncurrent loans | 729.8701% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 6,786 |
| Noncurrent loans to loans | 0.1934% | 6,480 |
| Net loans and leases to total assets | 55.0818% | 4,988 |
| Net loans and leases to deposits | 63.1314% | 5,275 |
| Net loans and leases to core deposits | 67.7583% | 5,204 |
| Total domestic deposits to total assets | 87.2494% | 2,495 |
| Equity capital to assets | 8.8684% | 5,894 |
| Core capital (leverage) ratio | 8.5108% | 5,698 |
| Tier 1 risk-based capital ratio | 14.0558% | 4,318 |
| Total risk-based capital ratio | 15.3066% | 4,288 |
| Memoranda: | ||
| Average total assets | $353,831,500 | 1,838 |
| Average earning assets | $332,231,000 | 1,795 |
| Average equity | $30,142,500 | 2,189 |
| Average total loans | $191,341,000 | 2,138 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 4,968 |
| Cost of funding earning assets | 1.3365% | 1,717 |
| Net interest margin | 3.2618% | 5,966 |
| Noninterest income to average assets | 0.4680% | 4,133 |
| Noninterest expense to average assets | 2.4770% | 5,621 |
| Loan and lease loss provision to assets | 0.3314% | 2,793 |
| Net operating income to assets | 0.5163% | 4,432 |
| Return on assets (ROA) | 0.6493% | 3,925 |
| Pretax return on assets | 0.8986% | 3,619 |
| Return on Equity (ROE) | 7.7284% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.0309% | 2,990 |
| Net charge-offs to loans | 0.4026% | 2,942 |
| Credit loss provision to net charge-offs | 153.9474% | 1,979 |
| Earnings coverage of net charge-offs (x) | 4.8553% | 2,755 |
| Efficiency ratio | 70.3233% | 4,045 |
| Assets per employee ($millions) | 4.8141% | 2,387 |
| Cash dividends to net income (ytd only)* | 34.9040% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 4,794 |
| Loan loss allowance to noncurrent loans | 1,012.2530% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 6,921 |
| Noncurrent loans to loans | 0.1341% | 6,643 |
| Net loans and leases to total assets | 52.2589% | 5,533 |
| Net loans and leases to deposits | 61.6342% | 5,544 |
| Net loans and leases to core deposits | 65.4339% | 5,570 |
| Total domestic deposits to total assets | 84.7887% | 3,974 |
| Equity capital to assets | 8.5967% | 6,060 |
| Core capital (leverage) ratio | 8.4418% | 5,642 |
| Tier 1 risk-based capital ratio | 13.9644% | 4,194 |
| Total risk-based capital ratio | 15.1889% | 4,184 |
| Memoranda: | ||
| Average total assets | $353,001,670 | 1,858 |
| Average earning assets | $330,557,330 | 1,808 |
| Average equity | $29,656,670 | 2,204 |
| Average total loans | $188,762,000 | 2,185 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 5,314 |
| Cost of funding earning assets | 1.3634% | 1,813 |
| Net interest margin | 3.1426% | 6,236 |
| Noninterest income to average assets | 0.4508% | 4,276 |
| Noninterest expense to average assets | 2.3894% | 5,913 |
| Loan and lease loss provision to assets | 0.2846% | 2,871 |
| Net operating income to assets | 0.5470% | 4,279 |
| Return on assets (ROA) | 0.5487% | 4,359 |
| Pretax return on assets | 0.7388% | 4,151 |
| Return on Equity (ROE) | 6.6090% | 3,572 |
| Retained earnings to average equity (ytd only) | 4.5522% | 3,447 |
| Net charge-offs to loans | 0.2310% | 3,157 |
| Credit loss provision to net charge-offs | 229.3578% | 1,333 |
| Earnings coverage of net charge-offs (x) | 8.2294% | 1,845 |
| Efficiency ratio | 70.0601% | 4,257 |
| Assets per employee ($millions) | 5.3373% | 1,733 |
| Cash dividends to net income (ytd only)* | 31.1203% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 5,014 |
| Loan loss allowance to noncurrent loans | 506.4909% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 6,808 |
| Noncurrent loans to loans | 0.2615% | 6,465 |
| Net loans and leases to total assets | 53.6299% | 5,358 |
| Net loans and leases to deposits | 61.5245% | 5,566 |
| Net loans and leases to core deposits | 64.4161% | 5,686 |
| Total domestic deposits to total assets | 87.1684% | 2,850 |
| Equity capital to assets | 8.5024% | 5,900 |
| Core capital (leverage) ratio | 8.2771% | 5,849 |
| Tier 1 risk-based capital ratio | 14.1401% | 3,978 |
| Total risk-based capital ratio | 15.3665% | 3,968 |
| Memoranda: | ||
| Average total assets | $351,381,500 | 1,878 |
| Average earning assets | $330,940,500 | 1,814 |
| Average equity | $29,172,500 | 2,220 |
| Average total loans | $188,778,500 | 2,206 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 5,788 |
| Cost of funding earning assets | 1.9667% | 680 |
| Net interest margin | 2.7375% | 7,093 |
| Noninterest income to average assets | 0.5100% | 4,095 |
| Noninterest expense to average assets | 2.2868% | 6,394 |
| Loan and lease loss provision to assets | 0.1971% | 5,262 |
| Net operating income to assets | 0.4259% | 4,430 |
| Return on assets (ROA) | 0.5772% | 3,932 |
| Pretax return on assets | 0.8063% | 3,608 |
| Return on Equity (ROE) | 7.1563% | 3,046 |
| Retained earnings to average equity (ytd only) | 4.4785% | 2,734 |
| Net charge-offs to loans | 0.1880% | 5,172 |
| Credit loss provision to net charge-offs | 193.1818% | 1,646 |
| Earnings coverage of net charge-offs (x) | 7.7727% | 2,066 |
| Efficiency ratio | 74.2470% | 3,345 |
| Assets per employee ($millions) | 5.3915% | 1,681 |
| Cash dividends to net income (ytd only)* | 37.4184% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 5,292 |
| Loan loss allowance to noncurrent loans | 281.8182% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 6,631 |
| Noncurrent loans to loans | 0.4423% | 6,155 |
| Net loans and leases to total assets | 52.4532% | 5,854 |
| Net loans and leases to deposits | 60.2059% | 6,036 |
| Net loans and leases to core deposits | 62.8272% | 6,170 |
| Total domestic deposits to total assets | 87.1231% | 2,754 |
| Equity capital to assets | 8.1070% | 6,377 |
| Core capital (leverage) ratio | 8.0228% | 6,165 |
| Tier 1 risk-based capital ratio | 13.6080% | 4,127 |
| Total risk-based capital ratio | 14.7347% | 4,190 |
| Memoranda: | ||
| Average total assets | $344,929,600 | 1,889 |
| Average earning assets | $323,837,200 | 1,841 |
| Average equity | $27,821,800 | 2,323 |
| Average total loans | $187,199,400 | 2,274 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 5,749 |
| Cost of funding earning assets | 2.0681% | 597 |
| Net interest margin | 2.7089% | 7,224 |
| Noninterest income to average assets | 0.4983% | 4,205 |
| Noninterest expense to average assets | 2.3105% | 6,290 |
| Loan and lease loss provision to assets | 0.2435% | 4,649 |
| Net operating income to assets | 0.3566% | 4,943 |
| Return on assets (ROA) | 0.5042% | 4,489 |
| Pretax return on assets | 0.6853% | 4,280 |
| Return on Equity (ROE) | 6.2589% | 3,698 |
| Retained earnings to average equity (ytd only) | 4.2033% | 3,530 |
| Net charge-offs to loans | 0.2049% | 4,716 |
| Credit loss provision to net charge-offs | 217.7700% | 1,592 |
| Earnings coverage of net charge-offs (x) | 6.5226% | 2,505 |
| Efficiency ratio | 76.0062% | 2,952 |
| Assets per employee ($millions) | 5.5122% | 1,618 |
| Cash dividends to net income (ytd only)* | 32.8438% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 5,226 |
| Loan loss allowance to noncurrent loans | 256.3380% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 6,708 |
| Noncurrent loans to loans | 0.4879% | 6,219 |
| Net loans and leases to total assets | 52.1371% | 6,082 |
| Net loans and leases to deposits | 59.5934% | 6,341 |
| Net loans and leases to core deposits | 62.2116% | 6,445 |
| Total domestic deposits to total assets | 87.4881% | 2,268 |
| Equity capital to assets | 8.3555% | 6,444 |
| Core capital (leverage) ratio | 7.9827% | 6,371 |
| Tier 1 risk-based capital ratio | 13.6237% | 4,105 |
| Total risk-based capital ratio | 14.7717% | 4,137 |
| Memoranda: | ||
| Average total assets | $342,202,250 | 1,935 |
| Average earning assets | $321,061,500 | 1,871 |
| Average equity | $27,565,250 | 2,372 |
| Average total loans | $186,748,000 | 2,311 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 5,348 |
| Cost of funding earning assets | 2.1833% | 492 |
| Net interest margin | 2.7261% | 7,228 |
| Noninterest income to average assets | 0.5083% | 4,043 |
| Noninterest expense to average assets | 2.3340% | 6,260 |
| Loan and lease loss provision to assets | 0.3266% | 3,787 |
| Net operating income to assets | 0.3058% | 5,156 |
| Return on assets (ROA) | 0.4845% | 4,552 |
| Pretax return on assets | 0.6353% | 4,452 |
| Return on Equity (ROE) | 6.0953% | 3,765 |
| Retained earnings to average equity (ytd only) | 5.3483% | 2,699 |
| Net charge-offs to loans | 0.2162% | 4,307 |
| Credit loss provision to net charge-offs | 273.6318% | 1,363 |
| Earnings coverage of net charge-offs (x) | 6.0896% | 2,529 |
| Efficiency ratio | 76.2561% | 3,031 |
| Assets per employee ($millions) | 5.2599% | 1,854 |
| Cash dividends to net income (ytd only)* | 12.2549% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 5,089 |
| Loan loss allowance to noncurrent loans | 275.7541% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 6,789 |
| Noncurrent loans to loans | 0.4600% | 6,334 |
| Net loans and leases to total assets | 52.4985% | 6,162 |
| Net loans and leases to deposits | 60.5494% | 6,364 |
| Net loans and leases to core deposits | 63.1599% | 6,468 |
| Total domestic deposits to total assets | 86.7035% | 2,705 |
| Equity capital to assets | 8.4670% | 6,202 |
| Core capital (leverage) ratio | 8.2638% | 5,835 |
| Tier 1 risk-based capital ratio | 13.6818% | 3,953 |
| Total risk-based capital ratio | 14.8463% | 3,964 |
| Memoranda: | ||
| Average total assets | $336,839,670 | 1,978 |
| Average earning assets | $315,399,330 | 1,925 |
| Average equity | $26,774,670 | 2,424 |
| Average total loans | $185,941,330 | 2,354 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0874% | 4,591 |
| Cost of funding earning assets | 2.2715% | 468 |
| Net interest margin | 2.8160% | 7,158 |
| Noninterest income to average assets | 0.5069% | 3,992 |
| Noninterest expense to average assets | 2.4276% | 5,991 |
| Loan and lease loss provision to assets | 0.3039% | 3,608 |
| Net operating income to assets | 0.3266% | 5,183 |
| Return on assets (ROA) | 0.5081% | 4,490 |
| Pretax return on assets | 0.6394% | 4,454 |
| Return on Equity (ROE) | 6.6237% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.6237% | 2,309 |
| Net charge-offs to loans | 0.0950% | 4,461 |
| Credit loss provision to net charge-offs | 568.1818% | 762 |
| Earnings coverage of net charge-offs (x) | 13.3409% | 1,504 |
| Efficiency ratio | 77.2833% | 3,018 |
| Assets per employee ($millions) | 5.0692% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 5,609 |
| Loan loss allowance to noncurrent loans | 219.0196% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 6,714 |
| Noncurrent loans to loans | 0.5383% | 6,214 |
| Net loans and leases to total assets | 55.9635% | 5,751 |
| Net loans and leases to deposits | 64.4175% | 6,015 |
| Net loans and leases to core deposits | 67.8337% | 6,120 |
| Total domestic deposits to total assets | 86.8762% | 2,690 |
| Equity capital to assets | 8.6458% | 5,806 |
| Core capital (leverage) ratio | 8.3229% | 5,698 |
| Tier 1 risk-based capital ratio | 13.5449% | 3,956 |
| Total risk-based capital ratio | 14.6403% | 4,016 |
| Memoranda: | ||
| Average total assets | $329,051,500 | 2,073 |
| Average earning assets | $307,817,000 | 2,031 |
| Average equity | $25,242,500 | 2,584 |
| Average total loans | $185,217,000 | 2,427 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6677% | 3,265 |
| Cost of funding earning assets | 2.6167% | 741 |
| Net interest margin | 3.0511% | 6,518 |
| Noninterest income to average assets | 0.6340% | 3,397 |
| Noninterest expense to average assets | 2.6282% | 5,680 |
| Loan and lease loss provision to assets | 0.4148% | 4,323 |
| Net operating income to assets | 0.2881% | 4,580 |
| Return on assets (ROA) | 0.5394% | 3,654 |
| Pretax return on assets | 0.7325% | 3,465 |
| Return on Equity (ROE) | 7.5762% | 2,549 |
| Retained earnings to average equity (ytd only) | 5.4937% | 1,583 |
| Net charge-offs to loans | 0.3988% | 4,227 |
| Credit loss provision to net charge-offs | 174.3323% | 2,415 |
| Earnings coverage of net charge-offs (x) | 3.3947% | 3,363 |
| Efficiency ratio | 76.4923% | 3,439 |
| Assets per employee ($millions) | 5.0552% | 2,148 |
| Cash dividends to net income (ytd only)* | 27.4869% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 5,806 |
| Loan loss allowance to noncurrent loans | 346.6667% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 7,019 |
| Noncurrent loans to loans | 0.3233% | 6,635 |
| Net loans and leases to total assets | 55.3065% | 6,045 |
| Net loans and leases to deposits | 64.5189% | 6,210 |
| Net loans and leases to core deposits | 79.0720% | 6,178 |
| Total domestic deposits to total assets | 85.7215% | 3,154 |
| Equity capital to assets | 6.6636% | 7,513 |
| Core capital (leverage) ratio | 6.6460% | 7,431 |
| Tier 1 risk-based capital ratio | 10.7077% | 6,197 |
| Total risk-based capital ratio | 11.7442% | 6,378 |
| Memoranda: | ||
| Average total assets | $283,273,200 | 2,325 |
| Average earning assets | $260,139,000 | 2,326 |
| Average equity | $20,168,400 | 3,169 |
| Average total loans | $169,010,200 | 2,630 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7958% | 2,917 |
| Cost of funding earning assets | 2.6705% | 863 |
| Net interest margin | 3.1254% | 6,244 |
| Noninterest income to average assets | 0.6671% | 3,241 |
| Noninterest expense to average assets | 2.7207% | 5,246 |
| Loan and lease loss provision to assets | 0.4270% | 3,767 |
| Net operating income to assets | 0.2758% | 4,879 |
| Return on assets (ROA) | 0.5178% | 4,004 |
| Pretax return on assets | 0.7032% | 3,846 |
| Return on Equity (ROE) | 7.1371% | 3,009 |
| Retained earnings to average equity (ytd only) | 5.0518% | 2,455 |
| Net charge-offs to loans | 0.4192% | 3,591 |
| Credit loss provision to net charge-offs | 167.6245% | 2,796 |
| Earnings coverage of net charge-offs (x) | 3.1533% | 3,661 |
| Efficiency ratio | 77.2054% | 3,284 |
| Assets per employee ($millions) | 4.8248% | 2,363 |
| Cash dividends to net income (ytd only)* | 29.2175% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 6,069 |
| Loan loss allowance to noncurrent loans | 304.7002% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 7,006 |
| Noncurrent loans to loans | 0.3408% | 6,676 |
| Net loans and leases to total assets | 59.8947% | 5,601 |
| Net loans and leases to deposits | 70.9518% | 5,797 |
| Net loans and leases to core deposits | 88.2475% | 5,619 |
| Total domestic deposits to total assets | 84.4160% | 3,524 |
| Equity capital to assets | 6.9589% | 7,613 |
| Core capital (leverage) ratio | 6.8257% | 7,532 |
| Tier 1 risk-based capital ratio | 9.9955% | 6,986 |
| Total risk-based capital ratio | 10.9545% | 7,189 |
| Memoranda: | ||
| Average total assets | $273,207,750 | 2,402 |
| Average earning assets | $249,735,750 | 2,429 |
| Average equity | $19,820,750 | 3,266 |
| Average total loans | $166,021,750 | 2,699 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8680% | 2,725 |
| Cost of funding earning assets | 2.7388% | 936 |
| Net interest margin | 3.1291% | 6,154 |
| Noninterest income to average assets | 0.7030% | 2,975 |
| Noninterest expense to average assets | 2.7147% | 5,328 |
| Loan and lease loss provision to assets | 0.3024% | 4,144 |
| Net operating income to assets | 0.3859% | 4,565 |
| Return on assets (ROA) | 0.4974% | 4,224 |
| Pretax return on assets | 0.6811% | 4,064 |
| Return on Equity (ROE) | 6.7526% | 3,304 |
| Retained earnings to average equity (ytd only) | 4.1870% | 2,969 |
| Net charge-offs to loans | 0.3776% | 3,308 |
| Credit loss provision to net charge-offs | 131.5789% | 3,543 |
| Earnings coverage of net charge-offs (x) | 3.6151% | 3,372 |
| Efficiency ratio | 76.5672% | 3,588 |
| Assets per employee ($millions) | 4.4334% | 2,869 |
| Cash dividends to net income (ytd only)* | 37.9939% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 6,529 |
| Loan loss allowance to noncurrent loans | 208.6118% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 6,601 |
| Noncurrent loans to loans | 0.4580% | 6,380 |
| Net loans and leases to total assets | 60.2432% | 5,640 |
| Net loans and leases to deposits | 73.8019% | 5,481 |
| Net loans and leases to core deposits | 93.3575% | 5,191 |
| Total domestic deposits to total assets | 81.6282% | 4,846 |
| Equity capital to assets | 6.9255% | 7,649 |
| Core capital (leverage) ratio | 6.9859% | 7,550 |
| Tier 1 risk-based capital ratio | 10.0631% | 6,861 |
| Total risk-based capital ratio | 10.9260% | 7,195 |
| Memoranda: | ||
| Average total assets | $264,563,670 | 2,497 |
| Average earning assets | $240,321,670 | 2,517 |
| Average equity | $19,488,670 | 3,325 |
| Average total loans | $161,012,670 | 2,798 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8291% | 3,150 |
| Cost of funding earning assets | 2.7553% | 1,097 |
| Net interest margin | 3.0738% | 6,275 |
| Noninterest income to average assets | 0.7387% | 2,663 |
| Noninterest expense to average assets | 2.6393% | 5,271 |
| Loan and lease loss provision to assets | 0.2333% | 4,113 |
| Net operating income to assets | 0.4726% | 4,553 |
| Return on assets (ROA) | 0.4759% | 4,725 |
| Pretax return on assets | 0.6781% | 4,503 |
| Return on Equity (ROE) | 6.2572% | 3,930 |
| Retained earnings to average equity (ytd only) | 3.8034% | 3,774 |
| Net charge-offs to loans | 0.4215% | 2,417 |
| Credit loss provision to net charge-offs | 90.9091% | 3,981 |
| Earnings coverage of net charge-offs (x) | 3.5333% | 3,150 |
| Efficiency ratio | 74.4298% | 3,746 |
| Assets per employee ($millions) | 4.5699% | 2,610 |
| Cash dividends to net income (ytd only)* | 39.2157% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 6,423 |
| Loan loss allowance to noncurrent loans | 104.6367% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 5,781 |
| Noncurrent loans to loans | 0.9190% | 5,165 |
| Net loans and leases to total assets | 57.7584% | 5,981 |
| Net loans and leases to deposits | 70.4222% | 5,939 |
| Net loans and leases to core deposits | 91.5042% | 5,403 |
| Total domestic deposits to total assets | 82.0172% | 4,540 |
| Equity capital to assets | 7.3183% | 7,482 |
| Core capital (leverage) ratio | 7.4087% | 7,266 |
| Tier 1 risk-based capital ratio | 10.7553% | 6,137 |
| Total risk-based capital ratio | 11.6250% | 6,435 |
| Memoranda: | ||
| Average total assets | $257,194,000 | 2,572 |
| Average earning assets | $234,892,000 | 2,589 |
| Average equity | $19,561,500 | 3,329 |
| Average total loans | $156,577,000 | 2,899 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2452% | 4,271 |
| Cost of funding earning assets | 3.1008% | 1,506 |
| Net interest margin | 3.1444% | 6,538 |
| Noninterest income to average assets | 0.7910% | 2,570 |
| Noninterest expense to average assets | 2.7179% | 5,189 |
| Loan and lease loss provision to assets | 0.1471% | 5,474 |
| Net operating income to assets | 0.5511% | 4,525 |
| Return on assets (ROA) | 0.5723% | 4,295 |
| Pretax return on assets | 0.8420% | 3,923 |
| Return on Equity (ROE) | 6.9816% | 3,541 |
| Retained earnings to average equity (ytd only) | -0.5197% | 5,445 |
| Net charge-offs to loans | 0.0227% | 6,532 |
| Credit loss provision to net charge-offs | 1,046.8750% | 423 |
| Earnings coverage of net charge-offs (x) | 68.1563% | 596 |
| Efficiency ratio | 73.9395% | 3,586 |
| Assets per employee ($millions) | 4.4502% | 2,698 |
| Cash dividends to net income (ytd only)* | 107.4444% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 6,214 |
| Loan loss allowance to noncurrent loans | 156.4549% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 6,030 |
| Noncurrent loans to loans | 0.6260% | 5,491 |
| Net loans and leases to total assets | 63.0749% | 5,441 |
| Net loans and leases to deposits | 78.0143% | 5,336 |
| Net loans and leases to core deposits | 103.0931% | 4,497 |
| Total domestic deposits to total assets | 80.8505% | 4,715 |
| Equity capital to assets | 7.9224% | 6,940 |
| Core capital (leverage) ratio | 7.7515% | 6,861 |
| Tier 1 risk-based capital ratio | 11.2476% | 5,491 |
| Total risk-based capital ratio | 12.1750% | 5,708 |
| Memoranda: | ||
| Average total assets | $227,679,600 | 2,798 |
| Average earning assets | $208,880,600 | 2,784 |
| Average equity | $18,663,400 | 3,451 |
| Average total loans | $140,839,000 | 3,080 |