Home > The First National Bank of Fredericksburg > Performance and Condition Ratios
The First National Bank of Fredericksburg, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5440% | 4,877 |
| Cost of funding earning assets | 0.2472% | 4,911 |
| Net interest margin | 3.2968% | 4,358 |
| Noninterest income to average assets | 0.4595% | 3,642 |
| Noninterest expense to average assets | 3.2869% | 1,720 |
| Loan and lease loss provision to assets | 0.1867% | 1,098 |
| Net operating income to assets | 0.0258% | 5,913 |
| Return on assets (ROA) | 0.0258% | 5,955 |
| Pretax return on assets | -0.0339% | 5,986 |
| Return on Equity (ROE) | 0.3817% | 5,938 |
| Retained earnings to average equity (ytd only) | 0.3817% | 5,509 |
| Net charge-offs to loans | 0.1995% | 1,290 |
| Credit loss provision to net charge-offs | 149.7696% | 1,686 |
| Earnings coverage of net charge-offs (x) | 1.2258% | 3,864 |
| Efficiency ratio | 95.5578% | 429 |
| Assets per employee ($millions) | 3.9180% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 5,410 |
| Loan loss allowance to noncurrent loans | 38.2452% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 1.6647% | 1,307 |
| Noncurrent loans to loans | 2.1944% | 1,002 |
| Net loans and leases to total assets | 65.0437% | 3,148 |
| Net loans and leases to deposits | 70.7151% | 3,907 |
| Net loans and leases to core deposits | 71.9054% | 4,198 |
| Total domestic deposits to total assets | 91.9800% | 99 |
| Equity capital to assets | 6.9648% | 6,155 |
| Core capital (leverage) ratio | 7.2439% | 6,098 |
| Tier 1 risk-based capital ratio | 10.4034% | 5,921 |
| Total risk-based capital ratio | 11.1746% | 6,023 |
| Memoranda: | ||
| Average total assets | $232,109,250 | 2,670 |
| Average earning assets | $209,813,250 | 2,698 |
| Average equity | $15,720,500 | 3,758 |
| Average total loans | $145,062,500 | 2,680 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5124% | 4,953 |
| Cost of funding earning assets | 0.2505% | 4,936 |
| Net interest margin | 3.2619% | 4,445 |
| Noninterest income to average assets | 0.4569% | 3,653 |
| Noninterest expense to average assets | 3.1044% | 2,235 |
| Loan and lease loss provision to assets | 0.1070% | 2,048 |
| Net operating income to assets | 0.1728% | 5,755 |
| Return on assets (ROA) | 0.1728% | 5,818 |
| Pretax return on assets | 0.1985% | 5,817 |
| Return on Equity (ROE) | 2.5757% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.5757% | 4,416 |
| Net charge-offs to loans | 0.0765% | 2,295 |
| Credit loss provision to net charge-offs | 227.2727% | 1,117 |
| Earnings coverage of net charge-offs (x) | 6.4909% | 2,778 |
| Efficiency ratio | 91.0414% | 683 |
| Assets per employee ($millions) | 3.6314% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8284% | 5,530 |
| Loan loss allowance to noncurrent loans | 37.5774% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 1.6092% | 1,497 |
| Noncurrent loans to loans | 2.2045% | 1,087 |
| Net loans and leases to total assets | 62.4812% | 3,482 |
| Net loans and leases to deposits | 67.8199% | 4,152 |
| Net loans and leases to core deposits | 68.8332% | 4,424 |
| Total domestic deposits to total assets | 92.1281% | 115 |
| Equity capital to assets | 6.7799% | 6,225 |
| Core capital (leverage) ratio | 7.2951% | 6,138 |
| Tier 1 risk-based capital ratio | 10.6356% | 5,868 |
| Total risk-based capital ratio | 11.3930% | 5,986 |
| Memoranda: | ||
| Average total assets | $233,731,000 | 2,670 |
| Average earning assets | $211,592,330 | 2,699 |
| Average equity | $15,685,000 | 3,780 |
| Average total loans | $143,730,330 | 2,702 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4730% | 5,028 |
| Cost of funding earning assets | 0.2560% | 4,953 |
| Net interest margin | 3.2170% | 4,542 |
| Noninterest income to average assets | 0.4522% | 3,624 |
| Noninterest expense to average assets | 3.0667% | 2,376 |
| Loan and lease loss provision to assets | 0.0939% | 2,124 |
| Net operating income to assets | 0.1724% | 5,741 |
| Return on assets (ROA) | 0.1724% | 5,816 |
| Pretax return on assets | 0.2082% | 5,815 |
| Return on Equity (ROE) | 2.5816% | 5,511 |
| Retained earnings to average equity (ytd only) | 2.5816% | 4,392 |
| Net charge-offs to loans | 0.0590% | 2,164 |
| Credit loss provision to net charge-offs | 261.9048% | 897 |
| Earnings coverage of net charge-offs (x) | 8.4286% | 2,089 |
| Efficiency ratio | 91.0334% | 778 |
| Assets per employee ($millions) | 3.7200% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 5,635 |
| Loan loss allowance to noncurrent loans | 32.2201% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 1.6289% | 1,565 |
| Noncurrent loans to loans | 2.5555% | 946 |
| Net loans and leases to total assets | 59.5468% | 3,721 |
| Net loans and leases to deposits | 64.5144% | 4,314 |
| Net loans and leases to core deposits | 65.6180% | 4,556 |
| Total domestic deposits to total assets | 92.3001% | 116 |
| Equity capital to assets | 6.6524% | 6,292 |
| Core capital (leverage) ratio | 7.3543% | 6,183 |
| Tier 1 risk-based capital ratio | 10.8074% | 5,895 |
| Total risk-based capital ratio | 11.5587% | 6,023 |
| Memoranda: | ||
| Average total assets | $234,392,000 | 2,682 |
| Average earning assets | $212,493,500 | 2,704 |
| Average equity | $15,649,000 | 3,807 |
| Average total loans | $142,383,000 | 2,728 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 4,692 |
| Cost of funding earning assets | 0.2858% | 4,941 |
| Net interest margin | 3.4487% | 3,989 |
| Noninterest income to average assets | 0.5122% | 3,407 |
| Noninterest expense to average assets | 3.3669% | 1,769 |
| Loan and lease loss provision to assets | 0.0944% | 2,576 |
| Net operating income to assets | 0.1341% | 5,906 |
| Return on assets (ROA) | 0.1341% | 5,951 |
| Pretax return on assets | 0.1461% | 5,943 |
| Return on Equity (ROE) | 2.0483% | 5,751 |
| Retained earnings to average equity (ytd only) | 1.8101% | 4,906 |
| Net charge-offs to loans | 0.1408% | 2,621 |
| Credit loss provision to net charge-offs | 104.9505% | 2,288 |
| Earnings coverage of net charge-offs (x) | 2.6733% | 4,088 |
| Efficiency ratio | 93.3333% | 633 |
| Assets per employee ($millions) | 3.6620% | 4,599 |
| Cash dividends to net income (ytd only)* | 11.6279% | 4,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 5,757 |
| Loan loss allowance to noncurrent loans | 28.6826% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 1.9037% | 1,353 |
| Noncurrent loans to loans | 2.8099% | 836 |
| Net loans and leases to total assets | 60.9773% | 3,640 |
| Net loans and leases to deposits | 66.1365% | 4,308 |
| Net loans and leases to core deposits | 67.5264% | 4,554 |
| Total domestic deposits to total assets | 92.1991% | 127 |
| Equity capital to assets | 6.7012% | 6,362 |
| Core capital (leverage) ratio | 7.4473% | 6,221 |
| Tier 1 risk-based capital ratio | 10.9233% | 5,937 |
| Total risk-based capital ratio | 11.6651% | 6,078 |
| Memoranda: | ||
| Average total assets | $224,537,600 | 2,739 |
| Average earning assets | $201,527,800 | 2,794 |
| Average equity | $14,695,200 | 3,897 |
| Average total loans | $143,440,600 | 2,661 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 4,608 |
| Cost of funding earning assets | 0.2896% | 4,992 |
| Net interest margin | 3.4929% | 3,862 |
| Noninterest income to average assets | 0.5016% | 3,537 |
| Noninterest expense to average assets | 3.3315% | 1,837 |
| Loan and lease loss provision to assets | 0.1196% | 2,075 |
| Net operating income to assets | 0.1746% | 5,894 |
| Return on assets (ROA) | 0.1746% | 5,936 |
| Pretax return on assets | 0.1800% | 5,971 |
| Return on Equity (ROE) | 2.6842% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.6842% | 4,678 |
| Net charge-offs to loans | 0.1251% | 2,549 |
| Credit loss provision to net charge-offs | 148.1481% | 1,600 |
| Earnings coverage of net charge-offs (x) | 3.7110% | 3,610 |
| Efficiency ratio | 91.7504% | 726 |
| Assets per employee ($millions) | 3.6297% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8283% | 5,803 |
| Loan loss allowance to noncurrent loans | 85.2669% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 0.8225% | 3,364 |
| Noncurrent loans to loans | 0.9714% | 3,135 |
| Net loans and leases to total assets | 63.7378% | 3,223 |
| Net loans and leases to deposits | 69.2435% | 4,000 |
| Net loans and leases to core deposits | 70.7358% | 4,267 |
| Total domestic deposits to total assets | 92.0487% | 152 |
| Equity capital to assets | 6.6325% | 6,428 |
| Core capital (leverage) ratio | 7.4731% | 6,292 |
| Tier 1 risk-based capital ratio | 10.8341% | 6,076 |
| Total risk-based capital ratio | 11.6040% | 6,216 |
| Memoranda: | ||
| Average total assets | $222,996,000 | 2,774 |
| Average earning assets | $199,791,500 | 2,828 |
| Average equity | $14,504,000 | 3,955 |
| Average total loans | $143,845,750 | 2,675 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 4,626 |
| Cost of funding earning assets | 0.2919% | 5,050 |
| Net interest margin | 3.4774% | 3,868 |
| Noninterest income to average assets | 0.4822% | 3,612 |
| Noninterest expense to average assets | 3.3223% | 1,865 |
| Loan and lease loss provision to assets | 0.0225% | 3,829 |
| Net operating income to assets | 0.2132% | 5,797 |
| Return on assets (ROA) | 0.2132% | 5,856 |
| Pretax return on assets | 0.2456% | 5,880 |
| Return on Equity (ROE) | 3.3001% | 5,428 |
| Retained earnings to average equity (ytd only) | 3.3001% | 4,103 |
| Net charge-offs to loans | 0.0557% | 3,165 |
| Credit loss provision to net charge-offs | 62.5000% | 2,601 |
| Earnings coverage of net charge-offs (x) | 7.4500% | 2,630 |
| Efficiency ratio | 92.5332% | 729 |
| Assets per employee ($millions) | 3.4231% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7780% | 6,028 |
| Loan loss allowance to noncurrent loans | 63.9588% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 0.9853% | 3,090 |
| Noncurrent loans to loans | 1.2164% | 2,802 |
| Net loans and leases to total assets | 63.1120% | 3,222 |
| Net loans and leases to deposits | 68.5200% | 3,993 |
| Net loans and leases to core deposits | 69.9867% | 4,269 |
| Total domestic deposits to total assets | 92.1075% | 158 |
| Equity capital to assets | 6.5766% | 6,489 |
| Core capital (leverage) ratio | 7.4693% | 6,320 |
| Tier 1 risk-based capital ratio | 10.9098% | 6,089 |
| Total risk-based capital ratio | 11.6357% | 6,243 |
| Memoranda: | ||
| Average total assets | $222,313,330 | 2,791 |
| Average earning assets | $198,710,330 | 2,848 |
| Average equity | $14,363,330 | 3,968 |
| Average total loans | $143,582,330 | 2,677 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 4,501 |
| Cost of funding earning assets | 0.3007% | 5,057 |
| Net interest margin | 3.4947% | 3,724 |
| Noninterest income to average assets | 0.4753% | 3,600 |
| Noninterest expense to average assets | 3.3450% | 1,845 |
| Loan and lease loss provision to assets | 0.0181% | 3,593 |
| Net operating income to assets | 0.2032% | 5,793 |
| Return on assets (ROA) | 0.2032% | 5,844 |
| Pretax return on assets | 0.2322% | 5,867 |
| Return on Equity (ROE) | 3.1737% | 5,404 |
| Retained earnings to average equity (ytd only) | 3.1737% | 4,225 |
| Net charge-offs to loans | -0.0056% | 4,850 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0373% | 815 |
| Assets per employee ($millions) | 3.6013% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 6,110 |
| Loan loss allowance to noncurrent loans | 44.4488% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3386% | 2,640 |
| Noncurrent loans to loans | 1.7888% | 2,155 |
| Net loans and leases to total assets | 62.9679% | 3,076 |
| Net loans and leases to deposits | 68.1922% | 3,837 |
| Net loans and leases to core deposits | 69.8062% | 4,116 |
| Total domestic deposits to total assets | 92.3388% | 191 |
| Equity capital to assets | 6.3623% | 6,538 |
| Core capital (leverage) ratio | 7.5486% | 6,318 |
| Tier 1 risk-based capital ratio | 10.7563% | 6,255 |
| Total risk-based capital ratio | 11.4948% | 6,370 |
| Memoranda: | ||
| Average total assets | $220,509,000 | 2,824 |
| Average earning assets | $196,872,000 | 2,886 |
| Average equity | $14,116,000 | 4,027 |
| Average total loans | $143,522,500 | 2,686 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9416% | 4,313 |
| Cost of funding earning assets | 0.3399% | 5,246 |
| Net interest margin | 3.6017% | 3,461 |
| Noninterest income to average assets | 0.5604% | 3,329 |
| Noninterest expense to average assets | 3.5350% | 1,583 |
| Loan and lease loss provision to assets | 0.0812% | 3,491 |
| Net operating income to assets | 0.1140% | 6,011 |
| Return on assets (ROA) | 0.1652% | 5,973 |
| Pretax return on assets | 0.1936% | 5,950 |
| Return on Equity (ROE) | 2.4414% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.1863% | 4,691 |
| Net charge-offs to loans | 0.2000% | 2,873 |
| Credit loss provision to net charge-offs | 64.6840% | 3,436 |
| Earnings coverage of net charge-offs (x) | 1.7100% | 4,482 |
| Efficiency ratio | 94.2758% | 730 |
| Assets per employee ($millions) | 3.3990% | 5,092 |
| Cash dividends to net income (ytd only)* | 10.4520% | 4,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 6,192 |
| Loan loss allowance to noncurrent loans | 38.6954% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 1.6060% | 2,311 |
| Noncurrent loans to loans | 2.0470% | 1,939 |
| Net loans and leases to total assets | 66.2683% | 2,656 |
| Net loans and leases to deposits | 71.9856% | 3,522 |
| Net loans and leases to core deposits | 73.7952% | 3,862 |
| Total domestic deposits to total assets | 92.0578% | 273 |
| Equity capital to assets | 6.4432% | 6,575 |
| Core capital (leverage) ratio | 7.6463% | 6,322 |
| Tier 1 risk-based capital ratio | 10.6153% | 6,331 |
| Total risk-based capital ratio | 11.3413% | 6,457 |
| Memoranda: | ||
| Average total assets | $214,312,200 | 2,869 |
| Average earning assets | $189,771,200 | 2,954 |
| Average equity | $14,499,600 | 3,965 |
| Average total loans | $134,531,600 | 2,784 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 4,185 |
| Cost of funding earning assets | 0.3444% | 5,347 |
| Net interest margin | 3.6413% | 3,274 |
| Noninterest income to average assets | 0.5076% | 3,755 |
| Noninterest expense to average assets | 3.5062% | 1,600 |
| Loan and lease loss provision to assets | 0.0435% | 4,140 |
| Net operating income to assets | 0.1379% | 6,058 |
| Return on assets (ROA) | 0.1854% | 6,020 |
| Pretax return on assets | 0.2245% | 6,002 |
| Return on Equity (ROE) | 2.7074% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.3713% | 4,911 |
| Net charge-offs to loans | 0.1974% | 2,657 |
| Credit loss provision to net charge-offs | 35.7143% | 3,792 |
| Earnings coverage of net charge-offs (x) | 1.7296% | 4,259 |
| Efficiency ratio | 94.3273% | 717 |
| Assets per employee ($millions) | 3.4707% | 4,900 |
| Cash dividends to net income (ytd only)* | 12.4157% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 6,279 |
| Loan loss allowance to noncurrent loans | 35.4227% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 1.8124% | 2,258 |
| Noncurrent loans to loans | 2.2676% | 1,934 |
| Net loans and leases to total assets | 63.2457% | 3,118 |
| Net loans and leases to deposits | 68.7288% | 3,969 |
| Net loans and leases to core deposits | 70.4449% | 4,274 |
| Total domestic deposits to total assets | 92.0221% | 246 |
| Equity capital to assets | 6.6455% | 6,620 |
| Core capital (leverage) ratio | 7.6268% | 6,395 |
| Tier 1 risk-based capital ratio | 10.7953% | 6,364 |
| Total risk-based capital ratio | 11.5160% | 6,494 |
| Memoranda: | ||
| Average total assets | $214,356,750 | 2,895 |
| Average earning assets | $188,938,000 | 2,988 |
| Average equity | $14,675,250 | 3,975 |
| Average total loans | $132,405,500 | 2,829 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 4,117 |
| Cost of funding earning assets | 0.3489% | 5,417 |
| Net interest margin | 3.6504% | 3,175 |
| Noninterest income to average assets | 0.5054% | 3,793 |
| Noninterest expense to average assets | 3.5211% | 1,559 |
| Loan and lease loss provision to assets | 0.0654% | 3,719 |
| Net operating income to assets | 0.1093% | 6,112 |
| Return on assets (ROA) | 0.1738% | 6,080 |
| Pretax return on assets | 0.2308% | 6,028 |
| Return on Equity (ROE) | 2.5135% | 5,790 |
| Retained earnings to average equity (ytd only) | 2.0135% | 4,990 |
| Net charge-offs to loans | 0.1881% | 2,623 |
| Credit loss provision to net charge-offs | 56.9106% | 3,074 |
| Earnings coverage of net charge-offs (x) | 1.8293% | 3,917 |
| Efficiency ratio | 94.3665% | 749 |
| Assets per employee ($millions) | 3.3386% | 5,191 |
| Cash dividends to net income (ytd only)* | 19.8925% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 6,184 |
| Loan loss allowance to noncurrent loans | 34.6710% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 1.6672% | 2,609 |
| Noncurrent loans to loans | 2.5461% | 1,812 |
| Net loans and leases to total assets | 60.7952% | 3,520 |
| Net loans and leases to deposits | 65.9526% | 4,270 |
| Net loans and leases to core deposits | 67.6659% | 4,535 |
| Total domestic deposits to total assets | 92.1800% | 223 |
| Equity capital to assets | 6.5039% | 6,688 |
| Core capital (leverage) ratio | 7.6006% | 6,416 |
| Tier 1 risk-based capital ratio | 10.9609% | 6,350 |
| Total risk-based capital ratio | 11.7464% | 6,479 |
| Memoranda: | ||
| Average total assets | $214,081,330 | 2,916 |
| Average earning assets | $189,185,330 | 3,003 |
| Average equity | $14,800,330 | 3,984 |
| Average total loans | $130,808,670 | 2,863 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 4,143 |
| Cost of funding earning assets | 0.3552% | 5,480 |
| Net interest margin | 3.6387% | 3,115 |
| Noninterest income to average assets | 0.4910% | 3,831 |
| Noninterest expense to average assets | 3.5369% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1590% | 6,009 |
| Return on assets (ROA) | 0.1731% | 6,075 |
| Pretax return on assets | 0.2088% | 6,062 |
| Return on Equity (ROE) | 2.4301% | 5,803 |
| Retained earnings to average equity (ytd only) | 2.4301% | 4,813 |
| Net charge-offs to loans | 0.2129% | 2,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.4783% | 3,342 |
| Efficiency ratio | 94.8537% | 784 |
| Assets per employee ($millions) | 3.3480% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 6,320 |
| Loan loss allowance to noncurrent loans | 31.9372% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 1.7600% | 2,648 |
| Noncurrent loans to loans | 2.7317% | 1,864 |
| Net loans and leases to total assets | 60.5126% | 3,344 |
| Net loans and leases to deposits | 65.9355% | 4,062 |
| Net loans and leases to core deposits | 67.3942% | 4,365 |
| Total domestic deposits to total assets | 91.7755% | 290 |
| Equity capital to assets | 6.9755% | 6,716 |
| Core capital (leverage) ratio | 7.7014% | 6,352 |
| Tier 1 risk-based capital ratio | 11.1760% | 6,328 |
| Total risk-based capital ratio | 11.9688% | 6,478 |
| Memoranda: | ||
| Average total assets | $212,617,500 | 2,956 |
| Average earning assets | $189,187,000 | 3,025 |
| Average equity | $15,143,500 | 3,966 |
| Average total loans | $129,660,000 | 2,899 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 3,778 |
| Cost of funding earning assets | 0.4071% | 5,871 |
| Net interest margin | 4.0015% | 2,381 |
| Noninterest income to average assets | 0.5752% | 3,414 |
| Noninterest expense to average assets | 3.7070% | 1,401 |
| Loan and lease loss provision to assets | 0.0244% | 5,589 |
| Net operating income to assets | 0.2968% | 5,480 |
| Return on assets (ROA) | 0.3376% | 5,557 |
| Pretax return on assets | 0.4254% | 5,504 |
| Return on Equity (ROE) | 4.5299% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.5938% | 3,677 |
| Net charge-offs to loans | 0.0869% | 4,808 |
| Credit loss provision to net charge-offs | 45.8716% | 4,787 |
| Earnings coverage of net charge-offs (x) | 7.4862% | 2,589 |
| Efficiency ratio | 90.3019% | 1,037 |
| Assets per employee ($millions) | 3.0532% | 5,934 |
| Cash dividends to net income (ytd only)* | 20.6647% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 6,063 |
| Loan loss allowance to noncurrent loans | 33.7455% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 1.8496% | 2,640 |
| Noncurrent loans to loans | 2.8773% | 1,822 |
| Net loans and leases to total assets | 60.3258% | 3,546 |
| Net loans and leases to deposits | 66.0166% | 4,281 |
| Net loans and leases to core deposits | 67.8208% | 4,557 |
| Total domestic deposits to total assets | 91.3798% | 374 |
| Equity capital to assets | 7.2764% | 6,700 |
| Core capital (leverage) ratio | 7.8725% | 6,300 |
| Tier 1 risk-based capital ratio | 11.5604% | 6,053 |
| Total risk-based capital ratio | 12.4342% | 6,240 |
| Memoranda: | ||
| Average total assets | $204,965,000 | 2,984 |
| Average earning assets | $180,805,000 | 3,077 |
| Average equity | $15,276,200 | 3,898 |
| Average total loans | $125,391,800 | 2,976 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 3,852 |
| Cost of funding earning assets | 0.4112% | 6,053 |
| Net interest margin | 4.0339% | 2,364 |
| Noninterest income to average assets | 0.5006% | 3,925 |
| Noninterest expense to average assets | 3.6396% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3254% | 5,522 |
| Return on assets (ROA) | 0.3465% | 5,650 |
| Pretax return on assets | 0.4412% | 5,619 |
| Return on Equity (ROE) | 4.6217% | 4,995 |
| Retained earnings to average equity (ytd only) | 4.0038% | 4,069 |
| Net charge-offs to loans | 0.0437% | 5,041 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 15.4866% | 1,755 |
| Efficiency ratio | 89.7778% | 1,061 |
| Assets per employee ($millions) | 3.0458% | 5,971 |
| Cash dividends to net income (ytd only)* | 13.3704% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 6,174 |
| Loan loss allowance to noncurrent loans | 37.6891% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 1.9221% | 2,753 |
| Noncurrent loans to loans | 2.5874% | 2,207 |
| Net loans and leases to total assets | 61.0921% | 3,554 |
| Net loans and leases to deposits | 66.8359% | 4,358 |
| Net loans and leases to core deposits | 68.1814% | 4,709 |
| Total domestic deposits to total assets | 91.4061% | 308 |
| Equity capital to assets | 7.5819% | 6,754 |
| Core capital (leverage) ratio | 7.8814% | 6,412 |
| Tier 1 risk-based capital ratio | 11.2988% | 6,359 |
| Total risk-based capital ratio | 12.1702% | 6,492 |
| Memoranda: | ||
| Average total assets | $204,302,250 | 3,026 |
| Average earning assets | $179,969,500 | 3,121 |
| Average equity | $15,318,500 | 3,930 |
| Average total loans | $125,121,250 | 3,012 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3937% | 4,208 |
| Cost of funding earning assets | 0.4148% | 6,193 |
| Net interest margin | 3.9789% | 2,595 |
| Noninterest income to average assets | 0.5222% | 3,772 |
| Noninterest expense to average assets | 3.6565% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3082% | 5,588 |
| Return on assets (ROA) | 0.3413% | 5,684 |
| Pretax return on assets | 0.4150% | 5,673 |
| Return on Equity (ROE) | 4.5687% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.6339% | 4,179 |
| Net charge-offs to loans | 0.0531% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.5455% | 1,951 |
| Efficiency ratio | 90.7051% | 1,021 |
| Assets per employee ($millions) | 2.9827% | 6,098 |
| Cash dividends to net income (ytd only)* | 20.4611% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 6,199 |
| Loan loss allowance to noncurrent loans | 39.8095% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 1.8687% | 2,947 |
| Noncurrent loans to loans | 2.4877% | 2,423 |
| Net loans and leases to total assets | 60.9155% | 3,639 |
| Net loans and leases to deposits | 66.5412% | 4,438 |
| Net loans and leases to core deposits | 67.7960% | 4,813 |
| Total domestic deposits to total assets | 91.5455% | 305 |
| Equity capital to assets | 7.4579% | 6,807 |
| Core capital (leverage) ratio | 7.8529% | 6,407 |
| Tier 1 risk-based capital ratio | 11.1335% | 6,437 |
| Total risk-based capital ratio | 12.0075% | 6,581 |
| Memoranda: | ||
| Average total assets | $203,365,670 | 3,051 |
| Average earning assets | $179,347,670 | 3,142 |
| Average equity | $15,190,330 | 3,950 |
| Average total loans | $124,236,670 | 3,040 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 4,402 |
| Cost of funding earning assets | 0.4170% | 6,329 |
| Net interest margin | 3.9636% | 2,654 |
| Noninterest income to average assets | 0.5343% | 3,670 |
| Noninterest expense to average assets | 3.6113% | 1,539 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3476% | 5,488 |
| Return on assets (ROA) | 0.3443% | 5,670 |
| Pretax return on assets | 0.4175% | 5,672 |
| Return on Equity (ROE) | 4.6059% | 4,982 |
| Retained earnings to average equity (ytd only) | 4.6059% | 3,809 |
| Net charge-offs to loans | 0.0130% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 53.2500% | 602 |
| Efficiency ratio | 89.5486% | 1,136 |
| Assets per employee ($millions) | 2.9430% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 6,124 |
| Loan loss allowance to noncurrent loans | 38.7730% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 1.9849% | 2,920 |
| Noncurrent loans to loans | 2.6772% | 2,432 |
| Net loans and leases to total assets | 59.3739% | 3,797 |
| Net loans and leases to deposits | 64.7707% | 4,516 |
| Net loans and leases to core deposits | 66.0759% | 4,901 |
| Total domestic deposits to total assets | 91.6678% | 335 |
| Equity capital to assets | 7.3919% | 6,822 |
| Core capital (leverage) ratio | 8.0013% | 6,262 |
| Tier 1 risk-based capital ratio | 11.6212% | 6,208 |
| Total risk-based capital ratio | 12.5607% | 6,365 |
| Memoranda: | ||
| Average total assets | $202,144,500 | 3,083 |
| Average earning assets | $178,421,500 | 3,167 |
| Average equity | $15,111,000 | 3,969 |
| Average total loans | $123,043,500 | 3,082 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 4,281 |
| Cost of funding earning assets | 0.4538% | 6,719 |
| Net interest margin | 4.2379% | 1,930 |
| Noninterest income to average assets | 0.5821% | 3,283 |
| Noninterest expense to average assets | 3.8681% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3692% | 4,998 |
| Return on assets (ROA) | 0.4178% | 4,969 |
| Pretax return on assets | 0.5061% | 4,971 |
| Return on Equity (ROE) | 5.5529% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.5774% | 2,919 |
| Net charge-offs to loans | 0.1346% | 5,070 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 5.0405% | 2,910 |
| Efficiency ratio | 89.6289% | 1,221 |
| Assets per employee ($millions) | 2.8326% | 6,403 |
| Cash dividends to net income (ytd only)* | 17.5676% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 5,996 |
| Loan loss allowance to noncurrent loans | 36.2025% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 2.2448% | 2,688 |
| Noncurrent loans to loans | 2.9023% | 2,251 |
| Net loans and leases to total assets | 61.1264% | 3,751 |
| Net loans and leases to deposits | 66.8597% | 4,613 |
| Net loans and leases to core deposits | 67.9513% | 5,033 |
| Total domestic deposits to total assets | 91.4248% | 356 |
| Equity capital to assets | 7.5620% | 6,786 |
| Core capital (leverage) ratio | 8.0716% | 6,174 |
| Tier 1 risk-based capital ratio | 11.8297% | 5,944 |
| Total risk-based capital ratio | 12.7997% | 6,114 |
| Memoranda: | ||
| Average total assets | $194,825,000 | 3,117 |
| Average earning assets | $171,643,200 | 3,208 |
| Average equity | $14,659,000 | 3,979 |
| Average total loans | $128,540,200 | 3,007 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 4,334 |
| Cost of funding earning assets | 0.4585% | 6,854 |
| Net interest margin | 4.2665% | 1,844 |
| Noninterest income to average assets | 0.5513% | 3,505 |
| Noninterest expense to average assets | 3.9100% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3242% | 5,312 |
| Return on assets (ROA) | 0.3877% | 5,233 |
| Pretax return on assets | 0.4805% | 5,222 |
| Return on Equity (ROE) | 5.1593% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.5098% | 3,513 |
| Net charge-offs to loans | 0.0318% | 5,704 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 18.8720% | 1,280 |
| Efficiency ratio | 90.6743% | 1,128 |
| Assets per employee ($millions) | 2.7296% | 6,609 |
| Cash dividends to net income (ytd only)* | 12.5881% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 5,748 |
| Loan loss allowance to noncurrent loans | 38.1575% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 2.4159% | 2,668 |
| Noncurrent loans to loans | 2.9758% | 2,327 |
| Net loans and leases to total assets | 64.1999% | 3,267 |
| Net loans and leases to deposits | 70.3280% | 4,247 |
| Net loans and leases to core deposits | 71.5033% | 4,771 |
| Total domestic deposits to total assets | 91.2864% | 351 |
| Equity capital to assets | 7.5799% | 6,905 |
| Core capital (leverage) ratio | 7.9890% | 6,413 |
| Tier 1 risk-based capital ratio | 11.5316% | 6,226 |
| Total risk-based capital ratio | 12.5934% | 6,324 |
| Memoranda: | ||
| Average total assets | $193,961,000 | 3,147 |
| Average earning assets | $170,970,000 | 3,235 |
| Average equity | $14,575,250 | 4,013 |
| Average total loans | $130,053,000 | 3,006 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 4,339 |
| Cost of funding earning assets | 0.4597% | 6,980 |
| Net interest margin | 4.2825% | 1,727 |
| Noninterest income to average assets | 0.5453% | 3,508 |
| Noninterest expense to average assets | 3.8327% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4010% | 4,934 |
| Return on assets (ROA) | 0.4010% | 5,094 |
| Pretax return on assets | 0.5061% | 5,051 |
| Return on Equity (ROE) | 5.3519% | 4,282 |
| Retained earnings to average equity (ytd only) | 4.3338% | 3,434 |
| Net charge-offs to loans | 0.0472% | 5,192 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 15.8387% | 1,380 |
| Efficiency ratio | 88.3345% | 1,379 |
| Assets per employee ($millions) | 2.8520% | 6,381 |
| Cash dividends to net income (ytd only)* | 19.0231% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 5,886 |
| Loan loss allowance to noncurrent loans | 39.8383% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 2.2938% | 2,862 |
| Noncurrent loans to loans | 2.8049% | 2,591 |
| Net loans and leases to total assets | 64.2582% | 3,406 |
| Net loans and leases to deposits | 70.2903% | 4,401 |
| Net loans and leases to core deposits | 71.3432% | 4,906 |
| Total domestic deposits to total assets | 91.4182% | 363 |
| Equity capital to assets | 7.4679% | 6,964 |
| Core capital (leverage) ratio | 7.9083% | 6,401 |
| Tier 1 risk-based capital ratio | 11.1811% | 6,390 |
| Total risk-based capital ratio | 12.2227% | 6,528 |
| Memoranda: | ||
| Average total assets | $194,014,330 | 3,170 |
| Average earning assets | $171,863,330 | 3,245 |
| Average equity | $14,537,000 | 4,002 |
| Average total loans | $131,454,330 | 3,009 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8277% | 3,921 |
| Cost of funding earning assets | 0.4658% | 7,075 |
| Net interest margin | 4.3618% | 1,390 |
| Noninterest income to average assets | 0.5441% | 3,551 |
| Noninterest expense to average assets | 3.8956% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3945% | 4,976 |
| Return on assets (ROA) | 0.3945% | 5,069 |
| Pretax return on assets | 0.4984% | 5,034 |
| Return on Equity (ROE) | 5.2568% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.2568% | 3,033 |
| Net charge-offs to loans | 0.0300% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 999 |
| Efficiency ratio | 88.6578% | 1,450 |
| Assets per employee ($millions) | 2.7241% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 6,024 |
| Loan loss allowance to noncurrent loans | 41.9075% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 2.2673% | 2,985 |
| Noncurrent loans to loans | 2.6374% | 2,862 |
| Net loans and leases to total assets | 66.1492% | 2,972 |
| Net loans and leases to deposits | 72.2682% | 4,031 |
| Net loans and leases to core deposits | 73.4548% | 4,596 |
| Total domestic deposits to total assets | 91.5328% | 409 |
| Equity capital to assets | 7.4133% | 6,913 |
| Core capital (leverage) ratio | 8.0516% | 6,187 |
| Tier 1 risk-based capital ratio | 11.0226% | 6,498 |
| Total risk-based capital ratio | 12.0730% | 6,606 |
| Memoranda: | ||
| Average total assets | $192,627,000 | 3,211 |
| Average earning assets | $170,020,000 | 3,302 |
| Average equity | $14,457,500 | 4,005 |
| Average total loans | $133,240,500 | 3,019 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6842% | 1,629 |
| Cost of funding earning assets | 0.5371% | 7,247 |
| Net interest margin | 5.1470% | 324 |
| Noninterest income to average assets | 0.6612% | 3,073 |
| Noninterest expense to average assets | 4.2403% | 867 |
| Loan and lease loss provision to assets | 0.4333% | 3,520 |
| Net operating income to assets | 0.4391% | 4,369 |
| Return on assets (ROA) | 0.4365% | 4,535 |
| Pretax return on assets | 0.5360% | 4,512 |
| Return on Equity (ROE) | 5.7717% | 3,711 |
| Retained earnings to average equity (ytd only) | 5.2695% | 2,264 |
| Net charge-offs to loans | 0.2155% | 5,001 |
| Credit loss provision to net charge-offs | 261.2903% | 1,078 |
| Earnings coverage of net charge-offs (x) | 5.8645% | 2,510 |
| Efficiency ratio | 81.3443% | 2,243 |
| Assets per employee ($millions) | 2.5557% | 6,926 |
| Cash dividends to net income (ytd only)* | 8.7010% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 6,031 |
| Loan loss allowance to noncurrent loans | 51.2640% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 1.9628% | 3,392 |
| Noncurrent loans to loans | 2.1051% | 3,431 |
| Net loans and leases to total assets | 70.7646% | 2,362 |
| Net loans and leases to deposits | 77.5143% | 3,589 |
| Net loans and leases to core deposits | 80.3166% | 4,167 |
| Total domestic deposits to total assets | 91.2923% | 465 |
| Equity capital to assets | 7.6010% | 6,815 |
| Core capital (leverage) ratio | 8.0496% | 6,120 |
| Tier 1 risk-based capital ratio | 10.6666% | 6,593 |
| Total risk-based capital ratio | 11.7031% | 6,707 |
| Memoranda: | ||
| Average total assets | $186,944,000 | 3,271 |
| Average earning assets | $165,319,200 | 3,358 |
| Average equity | $14,138,000 | 4,113 |
| Average total loans | $143,857,800 | 2,868 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7313% | 1,602 |
| Cost of funding earning assets | 0.5555% | 7,375 |
| Net interest margin | 5.1758% | 311 |
| Noninterest income to average assets | 0.5873% | 3,523 |
| Noninterest expense to average assets | 4.1773% | 855 |
| Loan and lease loss provision to assets | 0.3541% | 3,784 |
| Net operating income to assets | 0.5012% | 4,309 |
| Return on assets (ROA) | 0.4978% | 4,521 |
| Pretax return on assets | 0.6302% | 4,483 |
| Return on Equity (ROE) | 6.5914% | 3,537 |
| Retained earnings to average equity (ytd only) | 6.5914% | 2,049 |
| Net charge-offs to loans | 0.0740% | 5,781 |
| Credit loss provision to net charge-offs | 611.1111% | 480 |
| Earnings coverage of net charge-offs (x) | 17.0613% | 1,349 |
| Efficiency ratio | 80.8640% | 2,236 |
| Assets per employee ($millions) | 2.5824% | 6,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 6,467 |
| Loan loss allowance to noncurrent loans | 54.0307% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 1.7130% | 3,879 |
| Noncurrent loans to loans | 1.8204% | 3,912 |
| Net loans and leases to total assets | 74.3935% | 1,717 |
| Net loans and leases to deposits | 81.5011% | 3,188 |
| Net loans and leases to core deposits | 82.7894% | 4,116 |
| Total domestic deposits to total assets | 91.2791% | 360 |
| Equity capital to assets | 7.7915% | 6,935 |
| Core capital (leverage) ratio | 8.0573% | 6,266 |
| Tier 1 risk-based capital ratio | 10.6118% | 6,699 |
| Total risk-based capital ratio | 11.5854% | 6,872 |
| Memoranda: | ||
| Average total assets | $186,400,000 | 3,326 |
| Average earning assets | $164,890,250 | 3,404 |
| Average equity | $14,078,750 | 4,184 |
| Average total loans | $145,999,750 | 2,874 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7866% | 1,456 |
| Cost of funding earning assets | 0.5468% | 7,484 |
| Net interest margin | 5.2398% | 269 |
| Noninterest income to average assets | 0.5703% | 3,542 |
| Noninterest expense to average assets | 4.1693% | 846 |
| Loan and lease loss provision to assets | 0.4771% | 2,922 |
| Net operating income to assets | 0.4384% | 4,589 |
| Return on assets (ROA) | 0.4331% | 4,766 |
| Pretax return on assets | 0.5307% | 4,809 |
| Return on Equity (ROE) | 5.7952% | 3,897 |
| Retained earnings to average equity (ytd only) | 5.7952% | 2,448 |
| Net charge-offs to loans | 0.0513% | 5,666 |
| Credit loss provision to net charge-offs | 1,171.0526% | 328 |
| Earnings coverage of net charge-offs (x) | 24.8947% | 1,052 |
| Efficiency ratio | 80.4343% | 2,382 |
| Assets per employee ($millions) | 2.5258% | 7,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 6,610 |
| Loan loss allowance to noncurrent loans | 49.2258% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 1.9330% | 3,575 |
| Noncurrent loans to loans | 1.9204% | 3,840 |
| Net loans and leases to total assets | 76.6334% | 1,362 |
| Net loans and leases to deposits | 83.7550% | 2,915 |
| Net loans and leases to core deposits | 85.0657% | 3,986 |
| Total domestic deposits to total assets | 91.4971% | 327 |
| Equity capital to assets | 7.5795% | 7,073 |
| Core capital (leverage) ratio | 7.8983% | 6,384 |
| Tier 1 risk-based capital ratio | 10.0482% | 6,994 |
| Total risk-based capital ratio | 10.9835% | 7,162 |
| Memoranda: | ||
| Average total assets | $186,555,670 | 3,354 |
| Average earning assets | $164,242,000 | 3,440 |
| Average equity | $13,942,670 | 4,215 |
| Average total loans | $148,101,000 | 2,869 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6357% | 2,003 |
| Cost of funding earning assets | 0.6006% | 7,537 |
| Net interest margin | 5.0351% | 387 |
| Noninterest income to average assets | 0.5516% | 3,640 |
| Noninterest expense to average assets | 4.1014% | 898 |
| Loan and lease loss provision to assets | 0.9121% | 1,394 |
| Net operating income to assets | 0.0898% | 6,053 |
| Return on assets (ROA) | 0.0816% | 6,183 |
| Pretax return on assets | -0.0129% | 6,374 |
| Return on Equity (ROE) | 1.0990% | 6,093 |
| Retained earnings to average equity (ytd only) | 1.0990% | 5,376 |
| Net charge-offs to loans | 0.0667% | 4,743 |
| Credit loss provision to net charge-offs | 1,700.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,308 |
| Efficiency ratio | 81.8065% | 2,293 |
| Assets per employee ($millions) | 2.4669% | 7,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 6,790 |
| Loan loss allowance to noncurrent loans | 33.6301% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 2.6029% | 2,803 |
| Noncurrent loans to loans | 2.7265% | 2,928 |
| Net loans and leases to total assets | 78.3861% | 1,079 |
| Net loans and leases to deposits | 85.3825% | 2,707 |
| Net loans and leases to core deposits | 86.8329% | 3,778 |
| Total domestic deposits to total assets | 91.8058% | 286 |
| Equity capital to assets | 7.3840% | 7,154 |
| Core capital (leverage) ratio | 7.8080% | 6,495 |
| Tier 1 risk-based capital ratio | 9.6447% | 7,229 |
| Total risk-based capital ratio | 10.5606% | 7,384 |
| Memoranda: | ||
| Average total assets | $186,377,500 | 3,416 |
| Average earning assets | $165,160,000 | 3,477 |
| Average equity | $13,830,500 | 4,277 |
| Average total loans | $149,849,500 | 2,902 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7461% | 2,878 |
| Cost of funding earning assets | 0.7361% | 7,646 |
| Net interest margin | 5.0100% | 440 |
| Noninterest income to average assets | 0.6328% | 3,409 |
| Noninterest expense to average assets | 4.3930% | 881 |
| Loan and lease loss provision to assets | 0.4665% | 4,040 |
| Net operating income to assets | 0.2333% | 4,789 |
| Return on assets (ROA) | 0.2366% | 4,850 |
| Pretax return on assets | 0.2783% | 4,823 |
| Return on Equity (ROE) | 3.0169% | 4,488 |
| Retained earnings to average equity (ytd only) | 0.0350% | 4,890 |
| Net charge-offs to loans | 0.5366% | 3,638 |
| Credit loss provision to net charge-offs | 108.8348% | 5,080 |
| Earnings coverage of net charge-offs (x) | 1.7286% | 4,431 |
| Efficiency ratio | 85.5677% | 2,165 |
| Assets per employee ($millions) | 2.4061% | 7,346 |
| Cash dividends to net income (ytd only)* | 98.8399% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6342% | 7,505 |
| Loan loss allowance to noncurrent loans | 39.0085% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 1.7807% | 3,701 |
| Noncurrent loans to loans | 1.6258% | 4,206 |
| Net loans and leases to total assets | 81.1879% | 813 |
| Net loans and leases to deposits | 90.8106% | 2,079 |
| Net loans and leases to core deposits | 98.6774% | 4,157 |
| Total domestic deposits to total assets | 89.4035% | 1,265 |
| Equity capital to assets | 7.4578% | 7,061 |
| Core capital (leverage) ratio | 7.6046% | 6,678 |
| Tier 1 risk-based capital ratio | 9.4169% | 7,271 |
| Total risk-based capital ratio | 10.0519% | 7,563 |
| Memoranda: | ||
| Average total assets | $182,199,000 | 3,405 |
| Average earning assets | $163,692,800 | 3,449 |
| Average equity | $14,286,000 | 4,195 |
| Average total loans | $145,534,400 | 2,992 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6735% | 3,458 |
| Cost of funding earning assets | 0.7484% | 7,760 |
| Net interest margin | 4.9251% | 517 |
| Noninterest income to average assets | 0.6011% | 3,689 |
| Noninterest expense to average assets | 4.1925% | 1,041 |
| Loan and lease loss provision to assets | 0.3087% | 4,502 |
| Net operating income to assets | 0.4403% | 4,229 |
| Return on assets (ROA) | 0.4446% | 4,321 |
| Pretax return on assets | 0.5350% | 4,412 |
| Return on Equity (ROE) | 5.6005% | 3,697 |
| Retained earnings to average equity (ytd only) | 3.6195% | 3,261 |
| Net charge-offs to loans | 0.1481% | 5,224 |
| Credit loss provision to net charge-offs | 262.5000% | 1,620 |
| Earnings coverage of net charge-offs (x) | 7.1312% | 2,467 |
| Efficiency ratio | 83.3333% | 2,383 |
| Assets per employee ($millions) | 2.4778% | 7,264 |
| Cash dividends to net income (ytd only)* | 35.3722% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 7,210 |
| Loan loss allowance to noncurrent loans | 34.8788% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 2.2789% | 3,005 |
| Noncurrent loans to loans | 2.1961% | 3,381 |
| Net loans and leases to total assets | 80.2376% | 1,128 |
| Net loans and leases to deposits | 91.0774% | 2,382 |
| Net loans and leases to core deposits | 99.5906% | 4,419 |
| Total domestic deposits to total assets | 88.0982% | 1,616 |
| Equity capital to assets | 7.8213% | 7,013 |
| Core capital (leverage) ratio | 7.8587% | 6,556 |
| Tier 1 risk-based capital ratio | 9.8151% | 7,125 |
| Total risk-based capital ratio | 10.5876% | 7,455 |
| Memoranda: | ||
| Average total assets | $181,431,500 | 3,446 |
| Average earning assets | $163,188,000 | 3,491 |
| Average equity | $14,403,250 | 4,210 |
| Average total loans | $144,074,000 | 3,047 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 3,804 |
| Cost of funding earning assets | 0.7471% | 7,874 |
| Net interest margin | 4.9050% | 531 |
| Noninterest income to average assets | 0.6146% | 3,570 |
| Noninterest expense to average assets | 4.1131% | 1,172 |
| Loan and lease loss provision to assets | 0.1111% | 6,035 |
| Net operating income to assets | 0.6186% | 3,600 |
| Return on assets (ROA) | 0.6246% | 3,678 |
| Pretax return on assets | 0.8124% | 3,628 |
| Return on Equity (ROE) | 7.8277% | 2,841 |
| Retained earnings to average equity (ytd only) | 4.8470% | 2,595 |
| Net charge-offs to loans | 0.1394% | 4,772 |
| Credit loss provision to net charge-offs | 101.0101% | 4,523 |
| Earnings coverage of net charge-offs (x) | 8.3232% | 2,278 |
| Efficiency ratio | 81.7901% | 2,748 |
| Assets per employee ($millions) | 2.3447% | 7,496 |
| Cash dividends to net income (ytd only)* | 38.0783% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6182% | 7,599 |
| Loan loss allowance to noncurrent loans | 25.4566% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 2.1973% | 2,940 |
| Noncurrent loans to loans | 2.4284% | 2,979 |
| Net loans and leases to total assets | 79.4289% | 1,423 |
| Net loans and leases to deposits | 87.8145% | 3,200 |
| Net loans and leases to core deposits | 95.1989% | 4,988 |
| Total domestic deposits to total assets | 90.4509% | 648 |
| Equity capital to assets | 8.0187% | 6,728 |
| Core capital (leverage) ratio | 7.9738% | 6,378 |
| Tier 1 risk-based capital ratio | 10.2508% | 6,651 |
| Total risk-based capital ratio | 10.8779% | 7,245 |
| Memoranda: | ||
| Average total assets | $179,962,670 | 3,482 |
| Average earning assets | $161,955,670 | 3,525 |
| Average equity | $14,359,330 | 4,227 |
| Average total loans | $142,011,000 | 3,110 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6251% | 4,211 |
| Cost of funding earning assets | 0.7591% | 7,951 |
| Net interest margin | 4.8660% | 535 |
| Noninterest income to average assets | 0.6078% | 3,494 |
| Noninterest expense to average assets | 4.0251% | 1,157 |
| Loan and lease loss provision to assets | 0.1224% | 5,397 |
| Net operating income to assets | 0.6367% | 3,857 |
| Return on assets (ROA) | 0.6367% | 4,039 |
| Pretax return on assets | 0.8415% | 3,921 |
| Return on Equity (ROE) | 7.9997% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.9997% | 1,815 |
| Net charge-offs to loans | 0.1420% | 3,823 |
| Credit loss provision to net charge-offs | 110.0000% | 3,504 |
| Earnings coverage of net charge-offs (x) | 8.6600% | 2,158 |
| Efficiency ratio | 80.6783% | 2,713 |
| Assets per employee ($millions) | 2.3984% | 7,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6322% | 7,603 |
| Loan loss allowance to noncurrent loans | 27.2838% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 2.0214% | 2,867 |
| Noncurrent loans to loans | 2.3172% | 2,835 |
| Net loans and leases to total assets | 78.2904% | 1,751 |
| Net loans and leases to deposits | 86.9690% | 3,478 |
| Net loans and leases to core deposits | 92.9116% | 5,266 |
| Total domestic deposits to total assets | 90.0211% | 795 |
| Equity capital to assets | 8.0009% | 6,808 |
| Core capital (leverage) ratio | 7.9627% | 6,526 |
| Tier 1 risk-based capital ratio | 10.3698% | 6,526 |
| Total risk-based capital ratio | 11.0098% | 7,100 |
| Memoranda: | ||
| Average total assets | $179,674,000 | 3,509 |
| Average earning assets | $161,774,000 | 3,546 |
| Average equity | $14,300,500 | 4,269 |
| Average total loans | $140,870,000 | 3,156 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9548% | 5,784 |
| Cost of funding earning assets | 1.5770% | 7,490 |
| Net interest margin | 4.3778% | 1,757 |
| Noninterest income to average assets | 0.6657% | 3,368 |
| Noninterest expense to average assets | 4.0080% | 1,411 |
| Loan and lease loss provision to assets | 0.1184% | 5,852 |
| Net operating income to assets | 0.3891% | 5,196 |
| Return on assets (ROA) | 0.3895% | 5,007 |
| Pretax return on assets | 0.4741% | 5,058 |
| Return on Equity (ROE) | 4.9360% | 4,418 |
| Retained earnings to average equity (ytd only) | 1.5501% | 4,292 |
| Net charge-offs to loans | 0.0715% | 5,742 |
| Credit loss provision to net charge-offs | 223.4043% | 2,132 |
| Earnings coverage of net charge-offs (x) | 11.1702% | 2,401 |
| Efficiency ratio | 87.1324% | 1,753 |
| Assets per employee ($millions) | 2.3614% | 7,463 |
| Cash dividends to net income (ytd only)* | 68.5962% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6364% | 7,594 |
| Loan loss allowance to noncurrent loans | 32.0043% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 1.7518% | 2,790 |
| Noncurrent loans to loans | 1.9883% | 2,781 |
| Net loans and leases to total assets | 77.5204% | 2,258 |
| Net loans and leases to deposits | 92.4523% | 3,062 |
| Net loans and leases to core deposits | 97.3059% | 5,119 |
| Total domestic deposits to total assets | 83.8490% | 3,397 |
| Equity capital to assets | 7.9172% | 6,945 |
| Core capital (leverage) ratio | 7.8975% | 6,656 |
| Tier 1 risk-based capital ratio | 10.3517% | 6,364 |
| Total risk-based capital ratio | 10.9997% | 6,920 |
| Memoranda: | ||
| Average total assets | $177,395,800 | 3,441 |
| Average earning assets | $159,417,400 | 3,482 |
| Average equity | $13,999,200 | 4,341 |
| Average total loans | $131,396,000 | 3,246 |