Home > The First Capital Bank of Kentucky > Performance and Condition Ratios
The First Capital Bank of Kentucky, 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 | 3.9806% | 3,114 |
| Cost of funding earning assets | 0.7690% | 583 |
| Net interest margin | 3.2115% | 4,302 |
| Noninterest income to average assets | 0.4393% | 3,383 |
| Noninterest expense to average assets | 2.8890% | 2,486 |
| Loan and lease loss provision to assets | -0.0062% | 5,649 |
| Net operating income to assets | 0.3845% | 4,992 |
| Return on assets (ROA) | 0.3845% | 5,016 |
| Pretax return on assets | 0.5613% | 4,813 |
| Return on Equity (ROE) | 4.1710% | 4,717 |
| Retained earnings to average equity (ytd only) | -7.2029% | 5,497 |
| Net charge-offs to loans | 0.0019% | 2,904 |
| Credit loss provision to net charge-offs | -400.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | 359.5000% | 164 |
| Efficiency ratio | 83.8825% | 979 |
| Assets per employee ($millions) | 5.0345% | 2,397 |
| Cash dividends to net income (ytd only)* | 272.6908% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5360% | 5,563 |
| Loan loss allowance to noncurrent loans | 240.9887% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 4,158 |
| Noncurrent loans to loans | 0.2224% | 4,309 |
| Net loans and leases to total assets | 83.7438% | 396 |
| Net loans and leases to deposits | 112.7203% | 163 |
| Net loans and leases to core deposits | 131.5796% | 242 |
| Total domestic deposits to total assets | 74.2935% | 5,395 |
| Equity capital to assets | 9.1375% | 4,671 |
| Core capital (leverage) ratio | 9.3507% | 4,278 |
| Tier 1 risk-based capital ratio | 10.9779% | 5,323 |
| Total risk-based capital ratio | 11.5138% | 5,574 |
| Memoranda: | ||
| Average total assets | $518,105,500 | 1,370 |
| Average earning assets | $484,756,500 | 1,359 |
| Average equity | $47,758,500 | 1,593 |
| Average total loans | $431,821,500 | 1,179 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1028% | 2,837 |
| Cost of funding earning assets | 0.7848% | 544 |
| Net interest margin | 3.3181% | 4,090 |
| Noninterest income to average assets | 0.6943% | 2,205 |
| Noninterest expense to average assets | 2.8759% | 2,762 |
| Loan and lease loss provision to assets | -0.0008% | 5,454 |
| Net operating income to assets | 0.6194% | 4,129 |
| Return on assets (ROA) | 0.6552% | 4,095 |
| Pretax return on assets | 0.9736% | 3,572 |
| Return on Equity (ROE) | 7.0911% | 3,424 |
| Retained earnings to average equity (ytd only) | 3.3901% | 3,511 |
| Net charge-offs to loans | -0.0070% | 4,867 |
| Credit loss provision to net charge-offs | 13.7931% | 3,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7788% | 2,017 |
| Assets per employee ($millions) | 4.6219% | 2,927 |
| Cash dividends to net income (ytd only)* | 52.1921% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5503% | 5,600 |
| Loan loss allowance to noncurrent loans | 233.3664% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 3,730 |
| Noncurrent loans to loans | 0.2358% | 4,302 |
| Net loans and leases to total assets | 82.0420% | 604 |
| Net loans and leases to deposits | 109.3056% | 244 |
| Net loans and leases to core deposits | 128.7686% | 301 |
| Total domestic deposits to total assets | 75.0575% | 5,349 |
| Equity capital to assets | 9.2984% | 4,475 |
| Core capital (leverage) ratio | 9.4115% | 4,211 |
| Tier 1 risk-based capital ratio | 11.2768% | 5,183 |
| Total risk-based capital ratio | 11.8200% | 5,472 |
| Memoranda: | ||
| Average total assets | $511,730,400 | 1,340 |
| Average earning assets | $478,229,800 | 1,326 |
| Average equity | $47,284,400 | 1,598 |
| Average total loans | $416,645,600 | 1,169 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 2,844 |
| Cost of funding earning assets | 0.7855% | 545 |
| Net interest margin | 3.3230% | 4,119 |
| Noninterest income to average assets | 0.6689% | 2,321 |
| Noninterest expense to average assets | 2.8584% | 2,789 |
| Loan and lease loss provision to assets | -0.0005% | 5,619 |
| Net operating income to assets | 0.6158% | 4,226 |
| Return on assets (ROA) | 0.6517% | 4,198 |
| Pretax return on assets | 0.9687% | 3,746 |
| Return on Equity (ROE) | 7.0642% | 3,529 |
| Retained earnings to average equity (ytd only) | 2.1074% | 4,638 |
| Net charge-offs to loans | -0.0087% | 4,736 |
| Credit loss provision to net charge-offs | 7.4074% | 3,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7601% | 2,012 |
| Assets per employee ($millions) | 4.7100% | 2,728 |
| Cash dividends to net income (ytd only)* | 70.1686% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5480% | 5,672 |
| Loan loss allowance to noncurrent loans | 240.2863% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 3,907 |
| Noncurrent loans to loans | 0.2280% | 4,454 |
| Net loans and leases to total assets | 81.5809% | 676 |
| Net loans and leases to deposits | 108.4218% | 294 |
| Net loans and leases to core deposits | 128.6305% | 318 |
| Total domestic deposits to total assets | 75.2440% | 5,315 |
| Equity capital to assets | 9.1395% | 5,033 |
| Core capital (leverage) ratio | 9.3060% | 4,451 |
| Tier 1 risk-based capital ratio | 10.9509% | 5,394 |
| Total risk-based capital ratio | 11.4878% | 5,662 |
| Memoranda: | ||
| Average total assets | $510,248,500 | 1,348 |
| Average earning assets | $476,629,250 | 1,332 |
| Average equity | $47,072,000 | 1,612 |
| Average total loans | $414,045,250 | 1,176 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 2,668 |
| Cost of funding earning assets | 0.7881% | 522 |
| Net interest margin | 3.3634% | 4,012 |
| Noninterest income to average assets | 0.6774% | 2,246 |
| Noninterest expense to average assets | 2.8815% | 2,737 |
| Loan and lease loss provision to assets | 0.0036% | 3,969 |
| Net operating income to assets | 0.6256% | 4,163 |
| Return on assets (ROA) | 0.6592% | 4,145 |
| Pretax return on assets | 0.9797% | 3,662 |
| Return on Equity (ROE) | 7.1228% | 3,472 |
| Retained earnings to average equity (ytd only) | -0.3502% | 5,347 |
| Net charge-offs to loans | -0.0029% | 4,423 |
| Credit loss provision to net charge-offs | -150.0000% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5387% | 2,144 |
| Assets per employee ($millions) | 4.5638% | 2,918 |
| Cash dividends to net income (ytd only)* | 104.9161% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5664% | 5,723 |
| Loan loss allowance to noncurrent loans | 233.0677% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 3,822 |
| Noncurrent loans to loans | 0.2430% | 4,480 |
| Net loans and leases to total assets | 81.0967% | 731 |
| Net loans and leases to deposits | 106.0137% | 365 |
| Net loans and leases to core deposits | 125.9425% | 371 |
| Total domestic deposits to total assets | 76.4964% | 5,221 |
| Equity capital to assets | 9.2775% | 4,994 |
| Core capital (leverage) ratio | 9.3124% | 4,447 |
| Tier 1 risk-based capital ratio | 11.1196% | 5,351 |
| Total risk-based capital ratio | 11.6721% | 5,625 |
| Memoranda: | ||
| Average total assets | $506,061,330 | 1,367 |
| Average earning assets | $472,022,330 | 1,345 |
| Average equity | $46,835,330 | 1,620 |
| Average total loans | $409,106,000 | 1,188 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1255% | 2,746 |
| Cost of funding earning assets | 0.7864% | 528 |
| Net interest margin | 3.3391% | 4,082 |
| Noninterest income to average assets | 0.7450% | 1,834 |
| Noninterest expense to average assets | 2.8833% | 2,761 |
| Loan and lease loss provision to assets | 0.0079% | 3,580 |
| Net operating income to assets | 0.6494% | 3,975 |
| Return on assets (ROA) | 0.6801% | 3,934 |
| Pretax return on assets | 1.0123% | 3,433 |
| Return on Equity (ROE) | 7.3577% | 3,262 |
| Retained earnings to average equity (ytd only) | -1.1978% | 5,303 |
| Net charge-offs to loans | -0.0049% | 4,286 |
| Credit loss provision to net charge-offs | -200.0000% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7437% | 2,367 |
| Assets per employee ($millions) | 4.7792% | 2,627 |
| Cash dividends to net income (ytd only)* | 116.2791% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5738% | 5,783 |
| Loan loss allowance to noncurrent loans | 215.6682% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 3,808 |
| Noncurrent loans to loans | 0.2661% | 4,484 |
| Net loans and leases to total assets | 80.0320% | 802 |
| Net loans and leases to deposits | 105.7671% | 349 |
| Net loans and leases to core deposits | 128.8683% | 289 |
| Total domestic deposits to total assets | 75.6681% | 5,451 |
| Equity capital to assets | 9.2341% | 4,953 |
| Core capital (leverage) ratio | 9.3523% | 4,421 |
| Tier 1 risk-based capital ratio | 11.1856% | 5,403 |
| Total risk-based capital ratio | 11.7419% | 5,667 |
| Memoranda: | ||
| Average total assets | $505,803,000 | 1,370 |
| Average earning assets | $471,501,000 | 1,346 |
| Average equity | $46,754,000 | 1,607 |
| Average total loans | $407,080,000 | 1,189 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 2,817 |
| Cost of funding earning assets | 0.7893% | 521 |
| Net interest margin | 3.3401% | 4,150 |
| Noninterest income to average assets | 0.5004% | 3,329 |
| Noninterest expense to average assets | 2.7290% | 3,488 |
| Loan and lease loss provision to assets | 0.0105% | 4,195 |
| Net operating income to assets | 0.5950% | 4,294 |
| Return on assets (ROA) | 0.6195% | 4,279 |
| Pretax return on assets | 0.9187% | 3,770 |
| Return on Equity (ROE) | 6.8529% | 3,593 |
| Retained earnings to average equity (ytd only) | 4.9705% | 2,440 |
| Net charge-offs to loans | 0.0193% | 3,881 |
| Credit loss provision to net charge-offs | 67.9487% | 3,156 |
| Earnings coverage of net charge-offs (x) | 57.6410% | 893 |
| Efficiency ratio | 75.3509% | 2,376 |
| Assets per employee ($millions) | 4.6761% | 2,765 |
| Cash dividends to net income (ytd only)* | 27.4679% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5721% | 5,830 |
| Loan loss allowance to noncurrent loans | 198.7179% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 3,739 |
| Noncurrent loans to loans | 0.2879% | 4,432 |
| Net loans and leases to total assets | 80.0095% | 846 |
| Net loans and leases to deposits | 112.7998% | 184 |
| Net loans and leases to core deposits | 130.0680% | 268 |
| Total domestic deposits to total assets | 70.9306% | 5,856 |
| Equity capital to assets | 9.2530% | 4,845 |
| Core capital (leverage) ratio | 9.4482% | 4,253 |
| Tier 1 risk-based capital ratio | 11.2314% | 5,407 |
| Total risk-based capital ratio | 11.7848% | 5,676 |
| Memoranda: | ||
| Average total assets | $503,634,600 | 1,336 |
| Average earning assets | $470,647,200 | 1,313 |
| Average equity | $45,528,400 | 1,618 |
| Average total loans | $404,105,800 | 1,145 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 2,818 |
| Cost of funding earning assets | 0.7939% | 516 |
| Net interest margin | 3.3337% | 4,204 |
| Noninterest income to average assets | 0.5012% | 3,352 |
| Noninterest expense to average assets | 2.7194% | 3,496 |
| Loan and lease loss provision to assets | 0.0164% | 3,945 |
| Net operating income to assets | 0.5939% | 4,415 |
| Return on assets (ROA) | 0.5966% | 4,501 |
| Pretax return on assets | 0.8843% | 4,034 |
| Return on Equity (ROE) | 6.6387% | 3,819 |
| Retained earnings to average equity (ytd only) | 4.1124% | 3,540 |
| Net charge-offs to loans | 0.0370% | 3,165 |
| Credit loss provision to net charge-offs | 55.3571% | 2,971 |
| Earnings coverage of net charge-offs (x) | 30.2231% | 1,487 |
| Efficiency ratio | 75.2015% | 2,370 |
| Assets per employee ($millions) | 4.5362% | 2,946 |
| Cash dividends to net income (ytd only)* | 38.0551% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5718% | 5,937 |
| Loan loss allowance to noncurrent loans | 97.0055% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7243% | 3,092 |
| Noncurrent loans to loans | 0.5895% | 3,564 |
| Net loans and leases to total assets | 80.1501% | 806 |
| Net loans and leases to deposits | 114.2129% | 165 |
| Net loans and leases to core deposits | 132.2924% | 247 |
| Total domestic deposits to total assets | 70.1761% | 5,963 |
| Equity capital to assets | 9.2289% | 5,083 |
| Core capital (leverage) ratio | 9.3008% | 4,585 |
| Tier 1 risk-based capital ratio | 11.0904% | 5,614 |
| Total risk-based capital ratio | 11.6412% | 5,860 |
| Memoranda: | ||
| Average total assets | $503,289,500 | 1,339 |
| Average earning assets | $470,262,750 | 1,320 |
| Average equity | $45,228,250 | 1,644 |
| Average total loans | $403,536,000 | 1,143 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 2,770 |
| Cost of funding earning assets | 0.7974% | 508 |
| Net interest margin | 3.3395% | 4,142 |
| Noninterest income to average assets | 0.5326% | 3,152 |
| Noninterest expense to average assets | 2.7183% | 3,533 |
| Loan and lease loss provision to assets | -0.0012% | 5,924 |
| Net operating income to assets | 0.6299% | 4,216 |
| Return on assets (ROA) | 0.6328% | 4,319 |
| Pretax return on assets | 0.9395% | 3,813 |
| Return on Equity (ROE) | 7.1050% | 3,548 |
| Retained earnings to average equity (ytd only) | 3.2923% | 3,952 |
| Net charge-offs to loans | -0.0015% | 4,565 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4277% | 2,625 |
| Assets per employee ($millions) | 4.8443% | 2,479 |
| Cash dividends to net income (ytd only)* | 53.6631% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5916% | 5,987 |
| Loan loss allowance to noncurrent loans | 100.1705% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 3,204 |
| Noncurrent loans to loans | 0.5905% | 3,693 |
| Net loans and leases to total assets | 79.1467% | 917 |
| Net loans and leases to deposits | 113.8377% | 185 |
| Net loans and leases to core deposits | 132.1343% | 241 |
| Total domestic deposits to total assets | 69.5259% | 6,051 |
| Equity capital to assets | 9.0698% | 5,170 |
| Core capital (leverage) ratio | 9.1358% | 4,765 |
| Tier 1 risk-based capital ratio | 10.9759% | 5,718 |
| Total risk-based capital ratio | 11.5408% | 5,942 |
| Memoranda: | ||
| Average total assets | $504,724,330 | 1,343 |
| Average earning assets | $471,508,000 | 1,325 |
| Average equity | $44,954,000 | 1,658 |
| Average total loans | $403,969,000 | 1,138 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 2,733 |
| Cost of funding earning assets | 0.7908% | 532 |
| Net interest margin | 3.3327% | 4,085 |
| Noninterest income to average assets | 0.5437% | 2,999 |
| Noninterest expense to average assets | 2.7202% | 3,518 |
| Loan and lease loss provision to assets | -0.0016% | 6,068 |
| Net operating income to assets | 0.6348% | 4,120 |
| Return on assets (ROA) | 0.6407% | 4,207 |
| Pretax return on assets | 0.9519% | 3,682 |
| Return on Equity (ROE) | 7.2584% | 3,363 |
| Retained earnings to average equity (ytd only) | -0.3928% | 5,452 |
| Net charge-offs to loans | -0.0020% | 4,350 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2845% | 2,772 |
| Assets per employee ($millions) | 4.9676% | 2,398 |
| Cash dividends to net income (ytd only)* | 105.4121% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5730% | 6,089 |
| Loan loss allowance to noncurrent loans | 105.0984% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 3,411 |
| Noncurrent loans to loans | 0.5452% | 3,948 |
| Net loans and leases to total assets | 79.7027% | 719 |
| Net loans and leases to deposits | 115.8915% | 137 |
| Net loans and leases to core deposits | 140.7940% | 150 |
| Total domestic deposits to total assets | 68.7736% | 6,175 |
| Equity capital to assets | 8.7505% | 5,545 |
| Core capital (leverage) ratio | 8.8015% | 5,200 |
| Tier 1 risk-based capital ratio | 10.3971% | 6,051 |
| Total risk-based capital ratio | 10.9416% | 6,206 |
| Memoranda: | ||
| Average total assets | $507,606,000 | 1,343 |
| Average earning assets | $474,934,000 | 1,325 |
| Average equity | $44,803,500 | 1,669 |
| Average total loans | $407,323,000 | 1,130 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 2,923 |
| Cost of funding earning assets | 0.8640% | 471 |
| Net interest margin | 3.3452% | 4,419 |
| Noninterest income to average assets | 0.3670% | 4,454 |
| Noninterest expense to average assets | 2.6774% | 3,956 |
| Loan and lease loss provision to assets | 0.0870% | 2,732 |
| Net operating income to assets | 0.4892% | 4,850 |
| Return on assets (ROA) | 0.4895% | 4,937 |
| Pretax return on assets | 0.7221% | 4,547 |
| Return on Equity (ROE) | 5.6185% | 4,350 |
| Retained earnings to average equity (ytd only) | 2.8519% | 4,202 |
| Net charge-offs to loans | 0.2766% | 1,564 |
| Credit loss provision to net charge-offs | 39.9815% | 3,675 |
| Earnings coverage of net charge-offs (x) | 3.7175% | 3,823 |
| Efficiency ratio | 76.8034% | 2,391 |
| Assets per employee ($millions) | 5.0864% | 2,219 |
| Cash dividends to net income (ytd only)* | 49.2409% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 6,167 |
| Loan loss allowance to noncurrent loans | 122.5235% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 3,481 |
| Noncurrent loans to loans | 0.4742% | 4,238 |
| Net loans and leases to total assets | 79.8605% | 752 |
| Net loans and leases to deposits | 108.1824% | 292 |
| Net loans and leases to core deposits | 135.3124% | 200 |
| Total domestic deposits to total assets | 73.8202% | 5,958 |
| Equity capital to assets | 8.9035% | 5,376 |
| Core capital (leverage) ratio | 8.8281% | 5,216 |
| Tier 1 risk-based capital ratio | 10.8597% | 5,961 |
| Total risk-based capital ratio | 11.4278% | 6,158 |
| Memoranda: | ||
| Average total assets | $497,873,600 | 1,336 |
| Average earning assets | $464,222,800 | 1,323 |
| Average equity | $43,374,400 | 1,659 |
| Average total loans | $391,506,800 | 1,129 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 3,070 |
| Cost of funding earning assets | 0.8790% | 469 |
| Net interest margin | 3.2986% | 4,609 |
| Noninterest income to average assets | 0.3317% | 4,783 |
| Noninterest expense to average assets | 2.6386% | 4,060 |
| Loan and lease loss provision to assets | 0.0948% | 2,468 |
| Net operating income to assets | 0.4562% | 5,050 |
| Return on assets (ROA) | 0.4566% | 5,132 |
| Pretax return on assets | 0.6725% | 4,796 |
| Return on Equity (ROE) | 5.2700% | 4,596 |
| Retained earnings to average equity (ytd only) | 1.5500% | 5,268 |
| Net charge-offs to loans | 0.3616% | 1,107 |
| Credit loss provision to net charge-offs | 33.5233% | 3,395 |
| Earnings coverage of net charge-offs (x) | 2.7113% | 3,842 |
| Efficiency ratio | 77.4842% | 2,268 |
| Assets per employee ($millions) | 4.8890% | 2,389 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5659% | 6,264 |
| Loan loss allowance to noncurrent loans | 84.7770% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 2,969 |
| Noncurrent loans to loans | 0.6675% | 3,939 |
| Net loans and leases to total assets | 79.4860% | 773 |
| Net loans and leases to deposits | 109.8151% | 225 |
| Net loans and leases to core deposits | 129.2397% | 240 |
| Total domestic deposits to total assets | 72.3817% | 6,146 |
| Equity capital to assets | 8.6209% | 5,701 |
| Core capital (leverage) ratio | 8.7745% | 5,366 |
| Tier 1 risk-based capital ratio | 10.5049% | 6,210 |
| Total risk-based capital ratio | 11.0518% | 6,357 |
| Memoranda: | ||
| Average total assets | $496,454,000 | 1,355 |
| Average earning assets | $462,613,250 | 1,333 |
| Average equity | $43,009,500 | 1,681 |
| Average total loans | $388,261,250 | 1,138 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1479% | 3,159 |
| Cost of funding earning assets | 0.8984% | 436 |
| Net interest margin | 3.2495% | 4,785 |
| Noninterest income to average assets | 0.3265% | 4,802 |
| Noninterest expense to average assets | 2.6638% | 4,002 |
| Loan and lease loss provision to assets | 0.1239% | 1,991 |
| Net operating income to assets | 0.3838% | 5,283 |
| Return on assets (ROA) | 0.3838% | 5,352 |
| Pretax return on assets | 0.5621% | 5,088 |
| Return on Equity (ROE) | 4.4226% | 4,955 |
| Retained earnings to average equity (ytd only) | -1.1934% | 5,884 |
| Net charge-offs to loans | 0.5782% | 702 |
| Credit loss provision to net charge-offs | 27.6018% | 3,089 |
| Earnings coverage of net charge-offs (x) | 1.5285% | 3,786 |
| Efficiency ratio | 79.5223% | 2,092 |
| Assets per employee ($millions) | 4.8649% | 2,386 |
| Cash dividends to net income (ytd only)* | 126.9841% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5629% | 6,354 |
| Loan loss allowance to noncurrent loans | 77.7385% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.0737% | 2,919 |
| Noncurrent loans to loans | 0.7241% | 3,888 |
| Net loans and leases to total assets | 77.5605% | 968 |
| Net loans and leases to deposits | 99.3550% | 587 |
| Net loans and leases to core deposits | 117.6528% | 432 |
| Total domestic deposits to total assets | 78.0640% | 5,623 |
| Equity capital to assets | 8.6076% | 5,709 |
| Core capital (leverage) ratio | 8.6919% | 5,408 |
| Tier 1 risk-based capital ratio | 10.6523% | 6,198 |
| Total risk-based capital ratio | 11.1919% | 6,373 |
| Memoranda: | ||
| Average total assets | $492,454,670 | 1,361 |
| Average earning assets | $458,165,000 | 1,340 |
| Average equity | $42,735,000 | 1,670 |
| Average total loans | $382,199,000 | 1,149 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 3,050 |
| Cost of funding earning assets | 0.9010% | 448 |
| Net interest margin | 3.2550% | 4,724 |
| Noninterest income to average assets | 0.2409% | 5,429 |
| Noninterest expense to average assets | 2.6656% | 4,057 |
| Loan and lease loss provision to assets | 0.0172% | 3,606 |
| Net operating income to assets | 0.3974% | 5,127 |
| Return on assets (ROA) | 0.3974% | 5,198 |
| Pretax return on assets | 0.5834% | 4,886 |
| Return on Equity (ROE) | 4.5607% | 4,761 |
| Retained earnings to average equity (ytd only) | -6.7236% | 6,225 |
| Net charge-offs to loans | 0.2763% | 1,242 |
| Credit loss provision to net charge-offs | 8.0460% | 2,622 |
| Earnings coverage of net charge-offs (x) | 2.8084% | 2,795 |
| Efficiency ratio | 81.6106% | 1,977 |
| Assets per employee ($millions) | 5.0276% | 2,226 |
| Cash dividends to net income (ytd only)* | 247.4227% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 6,246 |
| Loan loss allowance to noncurrent loans | 82.3389% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.2290% | 2,799 |
| Noncurrent loans to loans | 0.8778% | 3,693 |
| Net loans and leases to total assets | 75.4075% | 1,072 |
| Net loans and leases to deposits | 96.1828% | 647 |
| Net loans and leases to core deposits | 102.0146% | 986 |
| Total domestic deposits to total assets | 78.4002% | 5,768 |
| Equity capital to assets | 8.4148% | 5,731 |
| Core capital (leverage) ratio | 8.8031% | 5,264 |
| Tier 1 risk-based capital ratio | 10.6906% | 6,278 |
| Total risk-based capital ratio | 11.3772% | 6,406 |
| Memoranda: | ||
| Average total assets | $488,142,000 | 1,384 |
| Average earning assets | $453,697,000 | 1,364 |
| Average equity | $42,537,000 | 1,677 |
| Average total loans | $377,878,500 | 1,170 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 3,534 |
| Cost of funding earning assets | 0.8824% | 808 |
| Net interest margin | 3.2689% | 4,779 |
| Noninterest income to average assets | 0.4105% | 4,370 |
| Noninterest expense to average assets | 2.4979% | 4,768 |
| Loan and lease loss provision to assets | 0.2558% | 1,408 |
| Net operating income to assets | 0.4742% | 4,846 |
| Return on assets (ROA) | 0.4747% | 4,989 |
| Pretax return on assets | 0.6976% | 4,551 |
| Return on Equity (ROE) | 5.2524% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.2524% | 2,445 |
| Net charge-offs to loans | 0.4358% | 1,523 |
| Credit loss provision to net charge-offs | 79.9867% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.9793% | 4,001 |
| Efficiency ratio | 72.3895% | 3,402 |
| Assets per employee ($millions) | 4.8817% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 6,173 |
| Loan loss allowance to noncurrent loans | 89.1795% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.3053% | 2,810 |
| Noncurrent loans to loans | 0.8998% | 3,738 |
| Net loans and leases to total assets | 78.3230% | 781 |
| Net loans and leases to deposits | 97.0501% | 664 |
| Net loans and leases to core deposits | 102.7969% | 985 |
| Total domestic deposits to total assets | 80.7037% | 5,265 |
| Equity capital to assets | 9.0318% | 4,998 |
| Core capital (leverage) ratio | 9.2492% | 4,636 |
| Tier 1 risk-based capital ratio | 11.0714% | 6,137 |
| Total risk-based capital ratio | 11.8317% | 6,298 |
| Memoranda: | ||
| Average total assets | $468,751,200 | 1,410 |
| Average earning assets | $435,953,800 | 1,397 |
| Average equity | $42,361,600 | 1,658 |
| Average total loans | $343,965,600 | 1,244 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1023% | 3,749 |
| Cost of funding earning assets | 0.8852% | 880 |
| Net interest margin | 3.2172% | 4,939 |
| Noninterest income to average assets | 0.4523% | 4,139 |
| Noninterest expense to average assets | 2.4783% | 4,793 |
| Loan and lease loss provision to assets | 0.0345% | 4,328 |
| Net operating income to assets | 0.6305% | 4,215 |
| Return on assets (ROA) | 0.6311% | 4,333 |
| Pretax return on assets | 0.9345% | 3,744 |
| Return on Equity (ROE) | 6.9820% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.9820% | 1,887 |
| Net charge-offs to loans | 0.4046% | 1,585 |
| Credit loss provision to net charge-offs | 11.8511% | 4,196 |
| Earnings coverage of net charge-offs (x) | 3.3252% | 3,737 |
| Efficiency ratio | 71.9096% | 3,419 |
| Assets per employee ($millions) | 4.9081% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6695% | 6,474 |
| Loan loss allowance to noncurrent loans | 64.0171% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.4082% | 2,843 |
| Noncurrent loans to loans | 1.0458% | 3,710 |
| Net loans and leases to total assets | 76.3679% | 960 |
| Net loans and leases to deposits | 95.1819% | 750 |
| Net loans and leases to core deposits | 100.8679% | 1,059 |
| Total domestic deposits to total assets | 80.2337% | 5,450 |
| Equity capital to assets | 9.2347% | 4,891 |
| Core capital (leverage) ratio | 9.4067% | 4,523 |
| Tier 1 risk-based capital ratio | 11.5343% | 6,046 |
| Total risk-based capital ratio | 12.1681% | 6,279 |
| Memoranda: | ||
| Average total assets | $467,557,750 | 1,420 |
| Average earning assets | $435,155,500 | 1,402 |
| Average equity | $42,260,000 | 1,668 |
| Average total loans | $336,487,250 | 1,271 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 3,670 |
| Cost of funding earning assets | 0.8869% | 956 |
| Net interest margin | 3.2289% | 4,839 |
| Noninterest income to average assets | 0.4833% | 3,942 |
| Noninterest expense to average assets | 2.5026% | 4,716 |
| Loan and lease loss provision to assets | 0.0154% | 4,585 |
| Net operating income to assets | 0.6569% | 4,032 |
| Return on assets (ROA) | 0.6577% | 4,190 |
| Pretax return on assets | 0.9757% | 3,617 |
| Return on Equity (ROE) | 7.3297% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.3297% | 1,737 |
| Net charge-offs to loans | 0.2042% | 2,532 |
| Credit loss provision to net charge-offs | 10.7143% | 3,888 |
| Earnings coverage of net charge-offs (x) | 6.8929% | 2,631 |
| Efficiency ratio | 71.6593% | 3,524 |
| Assets per employee ($millions) | 5.2276% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 6,102 |
| Loan loss allowance to noncurrent loans | 111.3999% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.2962% | 3,181 |
| Noncurrent loans to loans | 0.8178% | 4,276 |
| Net loans and leases to total assets | 68.5873% | 2,129 |
| Net loans and leases to deposits | 84.7658% | 1,709 |
| Net loans and leases to core deposits | 89.4302% | 1,962 |
| Total domestic deposits to total assets | 80.9139% | 5,362 |
| Equity capital to assets | 8.8978% | 5,328 |
| Core capital (leverage) ratio | 9.2250% | 4,660 |
| Tier 1 risk-based capital ratio | 12.3067% | 5,620 |
| Total risk-based capital ratio | 13.1654% | 5,793 |
| Memoranda: | ||
| Average total assets | $467,986,000 | 1,417 |
| Average earning assets | $436,122,330 | 1,402 |
| Average equity | $41,993,670 | 1,682 |
| Average total loans | $329,155,330 | 1,291 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 3,098 |
| Cost of funding earning assets | 0.8795% | 1,086 |
| Net interest margin | 3.3720% | 4,226 |
| Noninterest income to average assets | 0.4602% | 4,048 |
| Noninterest expense to average assets | 2.6071% | 4,385 |
| Loan and lease loss provision to assets | 0.0215% | 4,196 |
| Net operating income to assets | 0.6575% | 3,913 |
| Return on assets (ROA) | 0.6593% | 4,067 |
| Pretax return on assets | 0.9765% | 3,455 |
| Return on Equity (ROE) | 7.3159% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.3159% | 2,023 |
| Net charge-offs to loans | 0.0912% | 2,931 |
| Credit loss provision to net charge-offs | 33.3333% | 2,834 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 1,403 |
| Efficiency ratio | 72.3684% | 3,553 |
| Assets per employee ($millions) | 5.1521% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 6,008 |
| Loan loss allowance to noncurrent loans | 79.5204% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.3732% | 3,213 |
| Noncurrent loans to loans | 1.2493% | 3,687 |
| Net loans and leases to total assets | 69.0850% | 1,827 |
| Net loans and leases to deposits | 85.7023% | 1,383 |
| Net loans and leases to core deposits | 90.5776% | 1,651 |
| Total domestic deposits to total assets | 80.6104% | 5,595 |
| Equity capital to assets | 9.0150% | 5,468 |
| Core capital (leverage) ratio | 9.2012% | 4,565 |
| Tier 1 risk-based capital ratio | 12.3628% | 5,669 |
| Total risk-based capital ratio | 13.3144% | 5,828 |
| Memoranda: | ||
| Average total assets | $464,123,000 | 1,444 |
| Average earning assets | $432,502,000 | 1,421 |
| Average equity | $41,826,500 | 1,715 |
| Average total loans | $329,094,000 | 1,291 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 3,927 |
| Cost of funding earning assets | 1.0486% | 1,128 |
| Net interest margin | 3.3263% | 5,153 |
| Noninterest income to average assets | 0.5503% | 3,577 |
| Noninterest expense to average assets | 2.6147% | 4,693 |
| Loan and lease loss provision to assets | 0.2665% | 2,513 |
| Net operating income to assets | 0.5558% | 4,448 |
| Return on assets (ROA) | 0.6707% | 4,150 |
| Pretax return on assets | 0.9324% | 3,801 |
| Return on Equity (ROE) | 7.5468% | 3,314 |
| Retained earnings to average equity (ytd only) | 0.7978% | 5,465 |
| Net charge-offs to loans | 0.4203% | 2,558 |
| Credit loss provision to net charge-offs | 92.5595% | 3,369 |
| Earnings coverage of net charge-offs (x) | 3.6101% | 3,662 |
| Efficiency ratio | 71.5575% | 3,510 |
| Assets per employee ($millions) | 5.2205% | 1,969 |
| Cash dividends to net income (ytd only)* | 89.4283% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 5,981 |
| Loan loss allowance to noncurrent loans | 98.2728% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3378% | 3,402 |
| Noncurrent loans to loans | 1.0144% | 4,169 |
| Net loans and leases to total assets | 71.3400% | 1,598 |
| Net loans and leases to deposits | 89.4489% | 1,122 |
| Net loans and leases to core deposits | 93.0379% | 1,552 |
| Total domestic deposits to total assets | 79.7550% | 5,730 |
| Equity capital to assets | 9.0089% | 5,513 |
| Core capital (leverage) ratio | 8.6154% | 5,442 |
| Tier 1 risk-based capital ratio | 12.0300% | 5,769 |
| Total risk-based capital ratio | 12.9876% | 5,904 |
| Memoranda: | ||
| Average total assets | $466,852,200 | 1,414 |
| Average earning assets | $435,616,000 | 1,384 |
| Average equity | $41,487,600 | 1,680 |
| Average total loans | $319,760,400 | 1,317 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 4,773 |
| Cost of funding earning assets | 1.0557% | 1,259 |
| Net interest margin | 3.1567% | 5,805 |
| Noninterest income to average assets | 0.5069% | 3,876 |
| Noninterest expense to average assets | 2.4444% | 5,255 |
| Loan and lease loss provision to assets | 0.2310% | 2,738 |
| Net operating income to assets | 0.5597% | 4,571 |
| Return on assets (ROA) | 0.7123% | 4,101 |
| Pretax return on assets | 0.9916% | 3,748 |
| Return on Equity (ROE) | 8.0423% | 3,270 |
| Retained earnings to average equity (ytd only) | 3.2246% | 4,598 |
| Net charge-offs to loans | 0.3416% | 2,745 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 4.3756% | 3,319 |
| Efficiency ratio | 70.7476% | 3,548 |
| Assets per employee ($millions) | 5.7016% | 1,457 |
| Cash dividends to net income (ytd only)* | 59.9042% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 6,050 |
| Loan loss allowance to noncurrent loans | 54.7416% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 1.7437% | 2,990 |
| Noncurrent loans to loans | 1.8409% | 3,023 |
| Net loans and leases to total assets | 69.7378% | 1,964 |
| Net loans and leases to deposits | 90.5193% | 1,095 |
| Net loans and leases to core deposits | 94.5348% | 1,529 |
| Total domestic deposits to total assets | 77.0419% | 6,223 |
| Equity capital to assets | 8.8530% | 5,974 |
| Core capital (leverage) ratio | 8.8957% | 5,200 |
| Tier 1 risk-based capital ratio | 11.9822% | 5,941 |
| Total risk-based capital ratio | 12.9491% | 6,097 |
| Memoranda: | ||
| Average total assets | $468,714,500 | 1,427 |
| Average earning assets | $437,750,500 | 1,394 |
| Average equity | $41,512,750 | 1,692 |
| Average total loans | $316,941,000 | 1,341 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2023% | 4,944 |
| Cost of funding earning assets | 1.0932% | 1,242 |
| Net interest margin | 3.1092% | 5,980 |
| Noninterest income to average assets | 0.4032% | 4,624 |
| Noninterest expense to average assets | 2.4061% | 5,437 |
| Loan and lease loss provision to assets | 0.2613% | 2,485 |
| Net operating income to assets | 0.4610% | 4,995 |
| Return on assets (ROA) | 0.6916% | 4,175 |
| Pretax return on assets | 0.9581% | 3,857 |
| Return on Equity (ROE) | 7.8075% | 3,345 |
| Retained earnings to average equity (ytd only) | 0.5289% | 5,855 |
| Net charge-offs to loans | 0.5275% | 2,007 |
| Credit loss provision to net charge-offs | 74.3276% | 3,468 |
| Earnings coverage of net charge-offs (x) | 2.5575% | 3,734 |
| Efficiency ratio | 72.7958% | 3,281 |
| Assets per employee ($millions) | 5.7030% | 1,438 |
| Cash dividends to net income (ytd only)* | 93.2256% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 6,138 |
| Loan loss allowance to noncurrent loans | 48.7768% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 1.7988% | 3,041 |
| Noncurrent loans to loans | 2.0609% | 2,876 |
| Net loans and leases to total assets | 67.1765% | 2,434 |
| Net loans and leases to deposits | 87.4301% | 1,429 |
| Net loans and leases to core deposits | 91.4124% | 1,827 |
| Total domestic deposits to total assets | 76.8345% | 6,352 |
| Equity capital to assets | 8.7896% | 5,925 |
| Core capital (leverage) ratio | 8.7334% | 5,326 |
| Tier 1 risk-based capital ratio | 12.2097% | 5,787 |
| Total risk-based capital ratio | 13.1542% | 5,960 |
| Memoranda: | ||
| Average total assets | $465,308,000 | 1,435 |
| Average earning assets | $434,329,330 | 1,408 |
| Average equity | $41,217,000 | 1,696 |
| Average total loans | $310,122,000 | 1,369 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 5,212 |
| Cost of funding earning assets | 1.1449% | 1,193 |
| Net interest margin | 3.0245% | 6,237 |
| Noninterest income to average assets | 0.4180% | 4,532 |
| Noninterest expense to average assets | 2.3795% | 5,541 |
| Loan and lease loss provision to assets | 0.0198% | 5,092 |
| Net operating income to assets | 0.6126% | 4,294 |
| Return on assets (ROA) | 0.6377% | 4,395 |
| Pretax return on assets | 0.8739% | 4,135 |
| Return on Equity (ROE) | 7.1717% | 3,673 |
| Retained earnings to average equity (ytd only) | -7.3655% | 6,731 |
| Net charge-offs to loans | 0.1279% | 3,341 |
| Credit loss provision to net charge-offs | 23.4694% | 3,731 |
| Earnings coverage of net charge-offs (x) | 10.1735% | 1,777 |
| Efficiency ratio | 73.4699% | 3,183 |
| Assets per employee ($millions) | 5.8194% | 1,411 |
| Cash dividends to net income (ytd only)* | 202.7027% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 6,023 |
| Loan loss allowance to noncurrent loans | 44.5054% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 2.0563% | 2,815 |
| Noncurrent loans to loans | 2.3940% | 2,711 |
| Net loans and leases to total assets | 66.3184% | 2,414 |
| Net loans and leases to deposits | 86.2545% | 1,388 |
| Net loans and leases to core deposits | 89.8139% | 1,866 |
| Total domestic deposits to total assets | 76.8869% | 6,417 |
| Equity capital to assets | 8.7863% | 5,761 |
| Core capital (leverage) ratio | 8.7424% | 5,222 |
| Tier 1 risk-based capital ratio | 12.1969% | 5,822 |
| Total risk-based capital ratio | 13.2016% | 5,988 |
| Memoranda: | ||
| Average total assets | $464,140,000 | 1,440 |
| Average earning assets | $432,864,000 | 1,413 |
| Average equity | $41,273,500 | 1,685 |
| Average total loans | $306,514,500 | 1,381 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 4,674 |
| Cost of funding earning assets | 1.4767% | 784 |
| Net interest margin | 3.1246% | 6,287 |
| Noninterest income to average assets | 0.3178% | 5,265 |
| Noninterest expense to average assets | 2.4055% | 5,758 |
| Loan and lease loss provision to assets | 0.2718% | 3,497 |
| Net operating income to assets | 0.4237% | 4,761 |
| Return on assets (ROA) | 0.5466% | 4,439 |
| Pretax return on assets | 0.6919% | 4,350 |
| Return on Equity (ROE) | 6.1020% | 3,815 |
| Retained earnings to average equity (ytd only) | 2.3646% | 4,544 |
| Net charge-offs to loans | 0.3015% | 3,891 |
| Credit loss provision to net charge-offs | 132.6797% | 2,295 |
| Earnings coverage of net charge-offs (x) | 3.9444% | 3,328 |
| Efficiency ratio | 74.8524% | 3,080 |
| Assets per employee ($millions) | 5.5750% | 1,554 |
| Cash dividends to net income (ytd only)* | 61.2495% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 5,695 |
| Loan loss allowance to noncurrent loans | 45.8901% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 2.0632% | 2,887 |
| Noncurrent loans to loans | 2.4618% | 2,672 |
| Net loans and leases to total assets | 64.3050% | 3,122 |
| Net loans and leases to deposits | 84.0281% | 1,919 |
| Net loans and leases to core deposits | 87.2133% | 2,474 |
| Total domestic deposits to total assets | 76.5280% | 6,404 |
| Equity capital to assets | 8.9993% | 5,550 |
| Core capital (leverage) ratio | 8.8969% | 4,947 |
| Tier 1 risk-based capital ratio | 12.9267% | 5,131 |
| Total risk-based capital ratio | 13.9954% | 5,251 |
| Memoranda: | ||
| Average total assets | $448,065,600 | 1,461 |
| Average earning assets | $415,251,600 | 1,442 |
| Average equity | $40,134,400 | 1,681 |
| Average total loans | $304,519,400 | 1,395 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 4,420 |
| Cost of funding earning assets | 1.5395% | 742 |
| Net interest margin | 3.1687% | 6,238 |
| Noninterest income to average assets | 0.2631% | 5,738 |
| Noninterest expense to average assets | 2.3504% | 5,901 |
| Loan and lease loss provision to assets | 0.1584% | 4,484 |
| Net operating income to assets | 0.5417% | 4,354 |
| Return on assets (ROA) | 0.6027% | 4,251 |
| Pretax return on assets | 0.7684% | 4,246 |
| Return on Equity (ROE) | 6.7373% | 3,645 |
| Retained earnings to average equity (ytd only) | 1.7070% | 5,289 |
| Net charge-offs to loans | 0.2305% | 3,990 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 5.3561% | 2,810 |
| Efficiency ratio | 73.4759% | 3,283 |
| Assets per employee ($millions) | 5.9492% | 1,235 |
| Cash dividends to net income (ytd only)* | 74.6640% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 6,085 |
| Loan loss allowance to noncurrent loans | 38.0976% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 2.3467% | 2,732 |
| Noncurrent loans to loans | 2.7296% | 2,567 |
| Net loans and leases to total assets | 64.3982% | 3,232 |
| Net loans and leases to deposits | 84.2282% | 1,966 |
| Net loans and leases to core deposits | 89.4650% | 2,315 |
| Total domestic deposits to total assets | 76.4568% | 6,464 |
| Equity capital to assets | 9.0063% | 5,755 |
| Core capital (leverage) ratio | 9.0169% | 4,900 |
| Tier 1 risk-based capital ratio | 12.7925% | 5,257 |
| Total risk-based capital ratio | 13.7672% | 5,464 |
| Memoranda: | ||
| Average total assets | $444,400,500 | 1,483 |
| Average earning assets | $411,720,250 | 1,463 |
| Average equity | $39,757,500 | 1,697 |
| Average total loans | $305,410,250 | 1,405 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 4,182 |
| Cost of funding earning assets | 1.5712% | 783 |
| Net interest margin | 3.2073% | 6,140 |
| Noninterest income to average assets | 0.3151% | 5,375 |
| Noninterest expense to average assets | 2.3581% | 5,969 |
| Loan and lease loss provision to assets | 0.2019% | 3,906 |
| Net operating income to assets | 0.5627% | 4,254 |
| Return on assets (ROA) | 0.6230% | 4,076 |
| Pretax return on assets | 0.7998% | 4,030 |
| Return on Equity (ROE) | 6.9795% | 3,458 |
| Retained earnings to average equity (ytd only) | -0.6623% | 5,994 |
| Net charge-offs to loans | 0.2885% | 3,434 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 4.5788% | 2,824 |
| Efficiency ratio | 71.8382% | 3,770 |
| Assets per employee ($millions) | 5.8022% | 1,300 |
| Cash dividends to net income (ytd only)* | 109.4891% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 6,276 |
| Loan loss allowance to noncurrent loans | 48.0769% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.9913% | 3,246 |
| Noncurrent loans to loans | 2.1091% | 3,341 |
| Net loans and leases to total assets | 68.6255% | 2,487 |
| Net loans and leases to deposits | 90.5353% | 1,219 |
| Net loans and leases to core deposits | 96.3546% | 1,640 |
| Total domestic deposits to total assets | 75.7997% | 6,630 |
| Equity capital to assets | 9.0455% | 5,511 |
| Core capital (leverage) ratio | 9.0628% | 4,624 |
| Tier 1 risk-based capital ratio | 12.3605% | 5,465 |
| Total risk-based capital ratio | 13.3172% | 5,700 |
| Memoranda: | ||
| Average total assets | $439,837,670 | 1,505 |
| Average earning assets | $406,940,670 | 1,498 |
| Average equity | $39,257,670 | 1,712 |
| Average total loans | $307,846,670 | 1,407 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 4,342 |
| Cost of funding earning assets | 1.5798% | 878 |
| Net interest margin | 3.1577% | 6,197 |
| Noninterest income to average assets | 0.3542% | 5,061 |
| Noninterest expense to average assets | 2.4286% | 5,797 |
| Loan and lease loss provision to assets | -0.0027% | 7,436 |
| Net operating income to assets | 0.6529% | 3,739 |
| Return on assets (ROA) | 0.6529% | 3,814 |
| Pretax return on assets | 0.8459% | 3,718 |
| Return on Equity (ROE) | 7.3647% | 3,217 |
| Retained earnings to average equity (ytd only) | -8.0426% | 6,755 |
| Net charge-offs to loans | -0.0039% | 6,216 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2277% | 3,476 |
| Assets per employee ($millions) | 5.8329% | 1,315 |
| Cash dividends to net income (ytd only)* | 209.2050% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 6,389 |
| Loan loss allowance to noncurrent loans | 51.8828% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.9463% | 3,376 |
| Noncurrent loans to loans | 1.9344% | 3,656 |
| Net loans and leases to total assets | 68.9777% | 2,328 |
| Net loans and leases to deposits | 90.5561% | 1,177 |
| Net loans and leases to core deposits | 99.7072% | 1,365 |
| Total domestic deposits to total assets | 76.1712% | 6,644 |
| Equity capital to assets | 8.7098% | 5,644 |
| Core capital (leverage) ratio | 9.0239% | 4,579 |
| Tier 1 risk-based capital ratio | 11.9165% | 5,762 |
| Total risk-based capital ratio | 12.8543% | 6,004 |
| Memoranda: | ||
| Average total assets | $439,271,500 | 1,516 |
| Average earning assets | $405,863,500 | 1,504 |
| Average equity | $38,942,500 | 1,707 |
| Average total loans | $308,911,000 | 1,414 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7818% | 5,482 |
| Cost of funding earning assets | 2.0524% | 504 |
| Net interest margin | 2.7294% | 7,102 |
| Noninterest income to average assets | 0.4255% | 4,705 |
| Noninterest expense to average assets | 2.2416% | 6,507 |
| Loan and lease loss provision to assets | 0.8485% | 1,929 |
| Net operating income to assets | -0.1269% | 6,020 |
| Return on assets (ROA) | 0.1701% | 5,535 |
| Pretax return on assets | 0.1697% | 5,556 |
| Return on Equity (ROE) | 1.8807% | 5,430 |
| Retained earnings to average equity (ytd only) | 1.8807% | 4,545 |
| Net charge-offs to loans | 0.7848% | 2,676 |
| Credit loss provision to net charge-offs | 156.2266% | 2,259 |
| Earnings coverage of net charge-offs (x) | 1.3278% | 4,780 |
| Efficiency ratio | 75.6585% | 3,101 |
| Assets per employee ($millions) | 5.6525% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 6,371 |
| Loan loss allowance to noncurrent loans | 91.0693% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.5226% | 4,030 |
| Noncurrent loans to loans | 1.1018% | 4,896 |
| Net loans and leases to total assets | 70.2697% | 2,477 |
| Net loans and leases to deposits | 93.2875% | 1,118 |
| Net loans and leases to core deposits | 102.7685% | 1,399 |
| Total domestic deposits to total assets | 75.3260% | 6,723 |
| Equity capital to assets | 9.0235% | 5,105 |
| Core capital (leverage) ratio | 8.6160% | 5,169 |
| Tier 1 risk-based capital ratio | 12.1157% | 5,368 |
| Total risk-based capital ratio | 13.0505% | 5,646 |
| Memoranda: | ||
| Average total assets | $442,049,400 | 1,507 |
| Average earning assets | $410,934,400 | 1,480 |
| Average equity | $39,985,000 | 1,658 |
| Average total loans | $305,952,400 | 1,467 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7206% | 5,944 |
| Cost of funding earning assets | 2.0932% | 548 |
| Net interest margin | 2.6273% | 7,292 |
| Noninterest income to average assets | 0.3957% | 4,993 |
| Noninterest expense to average assets | 2.1513% | 6,737 |
| Loan and lease loss provision to assets | 0.5009% | 2,955 |
| Net operating income to assets | 0.1445% | 5,652 |
| Return on assets (ROA) | 0.4291% | 4,810 |
| Pretax return on assets | 0.5607% | 4,720 |
| Return on Equity (ROE) | 4.7406% | 4,430 |
| Retained earnings to average equity (ytd only) | 4.7406% | 3,168 |
| Net charge-offs to loans | 0.6190% | 2,891 |
| Credit loss provision to net charge-offs | 117.6429% | 3,532 |
| Earnings coverage of net charge-offs (x) | 1.6253% | 4,497 |
| Efficiency ratio | 75.6631% | 3,011 |
| Assets per employee ($millions) | 6.3566% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 7,302 |
| Loan loss allowance to noncurrent loans | 36.4897% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 1.6321% | 3,992 |
| Noncurrent loans to loans | 1.7411% | 4,029 |
| Net loans and leases to total assets | 66.4985% | 3,572 |
| Net loans and leases to deposits | 97.4051% | 851 |
| Net loans and leases to core deposits | 107.0782% | 1,232 |
| Total domestic deposits to total assets | 68.2700% | 7,364 |
| Equity capital to assets | 8.6965% | 6,022 |
| Core capital (leverage) ratio | 8.9471% | 4,767 |
| Tier 1 risk-based capital ratio | 12.1970% | 5,273 |
| Total risk-based capital ratio | 12.7941% | 5,877 |
| Memoranda: | ||
| Average total assets | $443,751,750 | 1,525 |
| Average earning assets | $413,385,250 | 1,491 |
| Average equity | $40,162,750 | 1,660 |
| Average total loans | $305,205,000 | 1,489 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8280% | 5,690 |
| Cost of funding earning assets | 2.1218% | 611 |
| Net interest margin | 2.7061% | 7,249 |
| Noninterest income to average assets | 0.4755% | 4,315 |
| Noninterest expense to average assets | 2.2420% | 6,536 |
| Loan and lease loss provision to assets | 0.5073% | 2,767 |
| Net operating income to assets | 0.1872% | 5,607 |
| Return on assets (ROA) | 0.4355% | 4,756 |
| Pretax return on assets | 0.5772% | 4,640 |
| Return on Equity (ROE) | 4.7451% | 4,411 |
| Retained earnings to average equity (ytd only) | 4.7451% | 3,049 |
| Net charge-offs to loans | 0.4656% | 3,145 |
| Credit loss provision to net charge-offs | 156.8990% | 2,515 |
| Earnings coverage of net charge-offs (x) | 2.3300% | 3,833 |
| Efficiency ratio | 74.8503% | 3,290 |
| Assets per employee ($millions) | 5.7998% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7045% | 7,242 |
| Loan loss allowance to noncurrent loans | 20.4431% | 6,918 |
| Noncurrent assets plus other real estate owned to assets | 2.4573% | 2,929 |
| Noncurrent loans to loans | 3.4463% | 2,304 |
| Net loans and leases to total assets | 69.6619% | 2,982 |
| Net loans and leases to deposits | 107.0183% | 349 |
| Net loans and leases to core deposits | 120.6800% | 673 |
| Total domestic deposits to total assets | 65.0935% | 7,561 |
| Equity capital to assets | 9.3431% | 4,940 |
| Core capital (leverage) ratio | 9.2900% | 4,139 |
| Tier 1 risk-based capital ratio | 12.4452% | 4,910 |
| Total risk-based capital ratio | 13.1080% | 5,408 |
| Memoranda: | ||
| Average total assets | $434,874,000 | 1,568 |
| Average earning assets | $404,930,670 | 1,527 |
| Average equity | $39,914,670 | 1,672 |
| Average total loans | $302,007,000 | 1,517 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8717% | 5,601 |
| Cost of funding earning assets | 2.1751% | 641 |
| Net interest margin | 2.6966% | 7,307 |
| Noninterest income to average assets | 0.4738% | 4,261 |
| Noninterest expense to average assets | 2.1600% | 6,781 |
| Loan and lease loss provision to assets | 0.2180% | 4,318 |
| Net operating income to assets | 0.4471% | 4,626 |
| Return on assets (ROA) | 0.4471% | 4,758 |
| Pretax return on assets | 0.6026% | 4,592 |
| Return on Equity (ROE) | 4.9151% | 4,408 |
| Retained earnings to average equity (ytd only) | 4.9151% | 3,196 |
| Net charge-offs to loans | 0.2490% | 3,451 |
| Credit loss provision to net charge-offs | 126.7380% | 2,781 |
| Earnings coverage of net charge-offs (x) | 4.7701% | 2,555 |
| Efficiency ratio | 72.4691% | 3,852 |
| Assets per employee ($millions) | 5.9134% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5961% | 7,502 |
| Loan loss allowance to noncurrent loans | 19.7824% | 7,020 |
| Noncurrent assets plus other real estate owned to assets | 2.3520% | 3,085 |
| Noncurrent loans to loans | 3.0134% | 2,660 |
| Net loans and leases to total assets | 69.5320% | 3,046 |
| Net loans and leases to deposits | 109.8125% | 294 |
| Net loans and leases to core deposits | 125.8137% | 591 |
| Total domestic deposits to total assets | 63.3188% | 7,696 |
| Equity capital to assets | 9.2460% | 4,923 |
| Core capital (leverage) ratio | 9.1287% | 4,328 |
| Tier 1 risk-based capital ratio | 12.1707% | 5,020 |
| Total risk-based capital ratio | 12.7196% | 5,687 |
| Memoranda: | ||
| Average total assets | $434,818,500 | 1,608 |
| Average earning assets | $404,211,500 | 1,573 |
| Average equity | $39,551,500 | 1,702 |
| Average total loans | $300,426,000 | 1,567 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 5,697 |
| Cost of funding earning assets | 2.5905% | 804 |
| Net interest margin | 2.5985% | 7,334 |
| Noninterest income to average assets | 0.4109% | 5,116 |
| Noninterest expense to average assets | 2.3584% | 6,576 |
| Loan and lease loss provision to assets | 0.1644% | 6,045 |
| Net operating income to assets | 0.2168% | 4,846 |
| Return on assets (ROA) | 0.3930% | 4,251 |
| Pretax return on assets | 0.5551% | 4,033 |
| Return on Equity (ROE) | 4.1475% | 4,026 |
| Retained earnings to average equity (ytd only) | -3.7971% | 5,841 |
| Net charge-offs to loans | 0.1456% | 5,783 |
| Credit loss provision to net charge-offs | 163.5104% | 2,682 |
| Earnings coverage of net charge-offs (x) | 4.6882% | 2,850 |
| Efficiency ratio | 81.0075% | 2,749 |
| Assets per employee ($millions) | 6.1684% | 1,148 |
| Cash dividends to net income (ytd only)* | 191.5535% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5855% | 7,574 |
| Loan loss allowance to noncurrent loans | 26.0184% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 1.7901% | 3,682 |
| Noncurrent loans to loans | 2.2503% | 3,332 |
| Net loans and leases to total assets | 67.8483% | 3,736 |
| Net loans and leases to deposits | 107.1225% | 496 |
| Net loans and leases to core deposits | 121.8350% | 1,793 |
| Total domestic deposits to total assets | 63.3371% | 7,725 |
| Equity capital to assets | 8.9483% | 5,218 |
| Core capital (leverage) ratio | 8.8660% | 4,652 |
| Tier 1 risk-based capital ratio | 12.1219% | 4,834 |
| Total risk-based capital ratio | 12.6599% | 5,463 |
| Memoranda: | ||
| Average total assets | $430,754,200 | 1,607 |
| Average earning assets | $400,966,400 | 1,586 |
| Average equity | $40,820,200 | 1,641 |
| Average total loans | $297,385,400 | 1,612 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2283% | 5,766 |
| Cost of funding earning assets | 2.6541% | 899 |
| Net interest margin | 2.5743% | 7,379 |
| Noninterest income to average assets | 0.4025% | 5,261 |
| Noninterest expense to average assets | 2.3057% | 6,687 |
| Loan and lease loss provision to assets | 0.2198% | 5,219 |
| Net operating income to assets | 0.2074% | 5,124 |
| Return on assets (ROA) | 0.4165% | 4,430 |
| Pretax return on assets | 0.5499% | 4,359 |
| Return on Equity (ROE) | 4.3335% | 4,237 |
| Retained earnings to average equity (ytd only) | -0.1067% | 5,231 |
| Net charge-offs to loans | 0.1288% | 5,408 |
| Credit loss provision to net charge-offs | 246.3415% | 1,759 |
| Earnings coverage of net charge-offs (x) | 5.5435% | 2,793 |
| Efficiency ratio | 81.7849% | 2,609 |
| Assets per employee ($millions) | 6.1151% | 1,160 |
| Cash dividends to net income (ytd only)* | 102.4628% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6283% | 7,529 |
| Loan loss allowance to noncurrent loans | 51.1471% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 4,856 |
| Noncurrent loans to loans | 1.2284% | 4,898 |
| Net loans and leases to total assets | 69.0299% | 3,703 |
| Net loans and leases to deposits | 113.6828% | 341 |
| Net loans and leases to core deposits | 134.5560% | 1,175 |
| Total domestic deposits to total assets | 60.7215% | 7,858 |
| Equity capital to assets | 9.5485% | 4,679 |
| Core capital (leverage) ratio | 9.4111% | 4,034 |
| Tier 1 risk-based capital ratio | 12.5864% | 4,480 |
| Total risk-based capital ratio | 13.1674% | 4,983 |
| Memoranda: | ||
| Average total assets | $428,953,250 | 1,629 |
| Average earning assets | $399,529,750 | 1,605 |
| Average equity | $41,227,750 | 1,643 |
| Average total loans | $297,007,500 | 1,635 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2361% | 5,933 |
| Cost of funding earning assets | 2.6987% | 1,030 |
| Net interest margin | 2.5373% | 7,431 |
| Noninterest income to average assets | 0.4494% | 4,850 |
| Noninterest expense to average assets | 2.3150% | 6,718 |
| Loan and lease loss provision to assets | 0.0763% | 6,425 |
| Net operating income to assets | 0.3006% | 4,895 |
| Return on assets (ROA) | 0.3670% | 4,727 |
| Pretax return on assets | 0.5126% | 4,576 |
| Return on Equity (ROE) | 3.8103% | 4,574 |
| Retained earnings to average equity (ytd only) | 0.7825% | 4,880 |
| Net charge-offs to loans | 0.1137% | 5,022 |
| Credit loss provision to net charge-offs | 97.0238% | 4,704 |
| Earnings coverage of net charge-offs (x) | 6.3155% | 2,646 |
| Efficiency ratio | 82.3343% | 2,683 |
| Assets per employee ($millions) | 5.9042% | 1,268 |
| Cash dividends to net income (ytd only)* | 79.4643% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4940% | 7,797 |
| Loan loss allowance to noncurrent loans | 63.8021% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 0.8172% | 5,351 |
| Noncurrent loans to loans | 0.7743% | 5,685 |
| Net loans and leases to total assets | 68.6989% | 4,023 |
| Net loans and leases to deposits | 116.3733% | 318 |
| Net loans and leases to core deposits | 144.7797% | 807 |
| Total domestic deposits to total assets | 59.0332% | 7,962 |
| Equity capital to assets | 9.5640% | 4,532 |
| Core capital (leverage) ratio | 9.5482% | 3,810 |
| Tier 1 risk-based capital ratio | 13.0211% | 4,135 |
| Total risk-based capital ratio | 13.4858% | 4,643 |
| Memoranda: | ||
| Average total assets | $427,213,000 | 1,664 |
| Average earning assets | $397,742,000 | 1,632 |
| Average equity | $41,151,330 | 1,649 |
| Average total loans | $295,475,000 | 1,679 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2657% | 6,044 |
| Cost of funding earning assets | 2.7314% | 1,166 |
| Net interest margin | 2.5343% | 7,459 |
| Noninterest income to average assets | 0.3724% | 5,445 |
| Noninterest expense to average assets | 2.1913% | 6,894 |
| Loan and lease loss provision to assets | 0.0715% | 6,067 |
| Net operating income to assets | 0.3386% | 5,122 |
| Return on assets (ROA) | 0.3386% | 5,304 |
| Pretax return on assets | 0.4684% | 5,182 |
| Return on Equity (ROE) | 3.5023% | 5,168 |
| Retained earnings to average equity (ytd only) | -2.5586% | 6,203 |
| Net charge-offs to loans | 0.1236% | 3,984 |
| Credit loss provision to net charge-offs | 83.5165% | 4,130 |
| Earnings coverage of net charge-offs (x) | 6.3077% | 2,515 |
| Efficiency ratio | 80.2342% | 2,778 |
| Assets per employee ($millions) | 5.9028% | 1,255 |
| Cash dividends to net income (ytd only)* | 173.0556% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4988% | 7,828 |
| Loan loss allowance to noncurrent loans | 76.3598% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.7262% | 5,344 |
| Noncurrent loans to loans | 0.6533% | 5,777 |
| Net loans and leases to total assets | 67.5845% | 4,226 |
| Net loans and leases to deposits | 109.6332% | 633 |
| Net loans and leases to core deposits | 144.6733% | 908 |
| Total domestic deposits to total assets | 61.6460% | 7,926 |
| Equity capital to assets | 9.5797% | 4,558 |
| Core capital (leverage) ratio | 9.6048% | 3,863 |
| Tier 1 risk-based capital ratio | 13.2077% | 4,046 |
| Total risk-based capital ratio | 13.6807% | 4,511 |
| Memoranda: | ||
| Average total assets | $425,314,500 | 1,677 |
| Average earning assets | $395,848,000 | 1,650 |
| Average equity | $41,116,000 | 1,655 |
| Average total loans | $294,428,000 | 1,690 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9730% | 5,680 |
| Cost of funding earning assets | 3.2159% | 1,144 |
| Net interest margin | 2.7571% | 7,401 |
| Noninterest income to average assets | 0.4793% | 4,806 |
| Noninterest expense to average assets | 2.3543% | 6,555 |
| Loan and lease loss provision to assets | 0.1471% | 5,476 |
| Net operating income to assets | 0.3694% | 5,271 |
| Return on assets (ROA) | 0.3970% | 4,973 |
| Pretax return on assets | 0.5523% | 4,845 |
| Return on Equity (ROE) | 4.2504% | 4,711 |
| Retained earnings to average equity (ytd only) | 2.3771% | 3,721 |
| Net charge-offs to loans | 0.1338% | 4,884 |
| Credit loss provision to net charge-offs | 136.6492% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.1414% | 3,431 |
| Efficiency ratio | 78.0768% | 2,905 |
| Assets per employee ($millions) | 6.0830% | 1,098 |
| Cash dividends to net income (ytd only)* | 44.0738% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4980% | 7,854 |
| Loan loss allowance to noncurrent loans | 53.7341% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 5,092 |
| Noncurrent loans to loans | 0.9268% | 4,765 |
| Net loans and leases to total assets | 70.2118% | 3,971 |
| Net loans and leases to deposits | 120.6355% | 373 |
| Net loans and leases to core deposits | 164.9371% | 495 |
| Total domestic deposits to total assets | 58.2016% | 8,009 |
| Equity capital to assets | 9.7571% | 4,356 |
| Core capital (leverage) ratio | 11.2456% | 2,402 |
| Tier 1 risk-based capital ratio | 13.1351% | 4,041 |
| Total risk-based capital ratio | 13.6073% | 4,437 |
| Memoranda: | ||
| Average total assets | $354,886,400 | 1,885 |
| Average earning assets | $326,435,600 | 1,870 |
| Average equity | $33,149,800 | 2,042 |
| Average total loans | $285,522,400 | 1,694 |