Home > The First National Bank of Port Allegany > Performance and Condition Ratios
The First National Bank of Port Allegany, 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 | 4.0429% | 3,158 |
| Cost of funding earning assets | 0.3299% | 3,990 |
| Net interest margin | 3.7130% | 2,709 |
| Noninterest income to average assets | 0.4074% | 4,032 |
| Noninterest expense to average assets | 3.1244% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6916% | 3,939 |
| Return on assets (ROA) | 0.6916% | 4,051 |
| Pretax return on assets | 0.7582% | 4,465 |
| Return on Equity (ROE) | 6.2512% | 4,029 |
| Retained earnings to average equity (ytd only) | 4.2199% | 3,465 |
| Net charge-offs to loans | 0.0571% | 2,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 26.1462% | 1,624 |
| Efficiency ratio | 80.4705% | 1,591 |
| Assets per employee ($millions) | 3.9365% | 4,000 |
| Cash dividends to net income (ytd only)* | 32.4947% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,959 |
| Loan loss allowance to noncurrent loans | 48.6972% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 1.3199% | 1,773 |
| Noncurrent loans to loans | 2.3523% | 889 |
| Net loans and leases to total assets | 51.6600% | 4,784 |
| Net loans and leases to deposits | 59.6404% | 4,880 |
| Net loans and leases to core deposits | 60.9643% | 5,006 |
| Total domestic deposits to total assets | 86.6192% | 2,229 |
| Equity capital to assets | 11.3662% | 2,627 |
| Core capital (leverage) ratio | 10.2273% | 3,337 |
| Tier 1 risk-based capital ratio | 22.5034% | 1,124 |
| Total risk-based capital ratio | 23.7491% | 1,105 |
| Memoranda: | ||
| Average total assets | $91,963,250 | 4,680 |
| Average earning assets | $86,073,750 | 4,638 |
| Average equity | $10,173,750 | 4,684 |
| Average total loans | $46,671,250 | 4,822 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8238% | 3,980 |
| Cost of funding earning assets | 0.3407% | 3,914 |
| Net interest margin | 3.4831% | 3,565 |
| Noninterest income to average assets | 0.3532% | 4,433 |
| Noninterest expense to average assets | 2.8024% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6580% | 4,084 |
| Return on assets (ROA) | 0.6580% | 4,188 |
| Pretax return on assets | 0.7106% | 4,625 |
| Return on Equity (ROE) | 6.1768% | 4,052 |
| Retained earnings to average equity (ytd only) | 3.0785% | 4,086 |
| Net charge-offs to loans | 0.0689% | 2,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 21.1250% | 1,687 |
| Efficiency ratio | 79.7726% | 1,793 |
| Assets per employee ($millions) | 4.1693% | 3,529 |
| Cash dividends to net income (ytd only)* | 50.1597% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 4,049 |
| Loan loss allowance to noncurrent loans | 49.8630% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 1.3213% | 1,900 |
| Noncurrent loans to loans | 2.3187% | 1,010 |
| Net loans and leases to total assets | 48.6772% | 5,038 |
| Net loans and leases to deposits | 58.3234% | 4,971 |
| Net loans and leases to core deposits | 60.8825% | 5,019 |
| Total domestic deposits to total assets | 83.4607% | 3,774 |
| Equity capital to assets | 10.4763% | 3,469 |
| Core capital (leverage) ratio | 10.0260% | 3,559 |
| Tier 1 risk-based capital ratio | 18.8393% | 1,827 |
| Total risk-based capital ratio | 19.8975% | 1,847 |
| Memoranda: | ||
| Average total assets | $95,133,670 | 4,656 |
| Average earning assets | $86,301,670 | 4,669 |
| Average equity | $10,134,670 | 4,718 |
| Average total loans | $46,456,670 | 4,872 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8203% | 3,923 |
| Cost of funding earning assets | 0.3460% | 3,910 |
| Net interest margin | 3.4743% | 3,534 |
| Noninterest income to average assets | 0.3588% | 4,332 |
| Noninterest expense to average assets | 2.8368% | 3,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6206% | 4,195 |
| Return on assets (ROA) | 0.6206% | 4,290 |
| Pretax return on assets | 0.6585% | 4,729 |
| Return on Equity (ROE) | 5.7766% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.7766% | 2,618 |
| Net charge-offs to loans | 0.1042% | 1,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,753 |
| Efficiency ratio | 81.1594% | 1,736 |
| Assets per employee ($millions) | 4.1790% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 4,020 |
| Loan loss allowance to noncurrent loans | 42.0611% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 1.5419% | 1,679 |
| Noncurrent loans to loans | 2.8382% | 800 |
| Net loans and leases to total assets | 47.4474% | 5,091 |
| Net loans and leases to deposits | 57.1119% | 4,975 |
| Net loans and leases to core deposits | 60.5138% | 4,954 |
| Total domestic deposits to total assets | 83.0779% | 4,158 |
| Equity capital to assets | 10.7348% | 3,285 |
| Core capital (leverage) ratio | 10.9111% | 2,504 |
| Tier 1 risk-based capital ratio | 19.4573% | 1,745 |
| Total risk-based capital ratio | 20.5020% | 1,758 |
| Memoranda: | ||
| Average total assets | $94,754,000 | 4,698 |
| Average earning assets | $85,543,000 | 4,731 |
| Average equity | $10,179,000 | 4,741 |
| Average total loans | $46,073,000 | 4,916 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,539 |
| Cost of funding earning assets | 0.4082% | 3,604 |
| Net interest margin | 3.6389% | 3,260 |
| Noninterest income to average assets | 0.3920% | 4,253 |
| Noninterest expense to average assets | 2.7817% | 3,551 |
| Loan and lease loss provision to assets | 0.0116% | 4,388 |
| Net operating income to assets | 0.8001% | 3,369 |
| Return on assets (ROA) | 0.8367% | 3,284 |
| Pretax return on assets | 0.9360% | 3,757 |
| Return on Equity (ROE) | 7.7774% | 3,235 |
| Retained earnings to average equity (ytd only) | 3.1424% | 4,001 |
| Net charge-offs to loans | 0.0463% | 3,904 |
| Credit loss provision to net charge-offs | 52.3810% | 3,433 |
| Earnings coverage of net charge-offs (x) | 40.8571% | 1,067 |
| Efficiency ratio | 75.4225% | 2,610 |
| Assets per employee ($millions) | 4.0605% | 3,806 |
| Cash dividends to net income (ytd only)* | 59.5960% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 3,868 |
| Loan loss allowance to noncurrent loans | 57.4055% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 1.2325% | 2,302 |
| Noncurrent loans to loans | 2.1287% | 1,275 |
| Net loans and leases to total assets | 48.6428% | 5,105 |
| Net loans and leases to deposits | 58.6221% | 5,015 |
| Net loans and leases to core deposits | 62.2284% | 4,984 |
| Total domestic deposits to total assets | 82.9769% | 4,086 |
| Equity capital to assets | 10.7505% | 3,179 |
| Core capital (leverage) ratio | 11.5728% | 1,925 |
| Tier 1 risk-based capital ratio | 24.1921% | 930 |
| Total risk-based capital ratio | 25.4429% | 907 |
| Memoranda: | ||
| Average total assets | $94,653,600 | 4,733 |
| Average earning assets | $85,741,200 | 4,742 |
| Average equity | $10,183,400 | 4,716 |
| Average total loans | $45,370,000 | 4,984 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0242% | 3,666 |
| Cost of funding earning assets | 0.4198% | 3,577 |
| Net interest margin | 3.6044% | 3,409 |
| Noninterest income to average assets | 0.4156% | 4,133 |
| Noninterest expense to average assets | 2.7489% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8353% | 3,256 |
| Return on assets (ROA) | 0.8353% | 3,348 |
| Pretax return on assets | 0.9336% | 3,844 |
| Return on Equity (ROE) | 7.7629% | 3,335 |
| Retained earnings to average equity (ytd only) | 5.7146% | 2,591 |
| Net charge-offs to loans | 0.0383% | 3,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 51.1621% | 963 |
| Efficiency ratio | 74.6474% | 2,710 |
| Assets per employee ($millions) | 3.7939% | 4,304 |
| Cash dividends to net income (ytd only)* | 26.3869% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 4,118 |
| Loan loss allowance to noncurrent loans | 49.7331% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 1.3664% | 2,261 |
| Noncurrent loans to loans | 2.4564% | 1,203 |
| Net loans and leases to total assets | 47.6541% | 5,239 |
| Net loans and leases to deposits | 57.1394% | 5,167 |
| Net loans and leases to core deposits | 61.4626% | 5,079 |
| Total domestic deposits to total assets | 83.3998% | 3,995 |
| Equity capital to assets | 11.2728% | 2,683 |
| Core capital (leverage) ratio | 11.4467% | 2,105 |
| Tier 1 risk-based capital ratio | 24.5559% | 928 |
| Total risk-based capital ratio | 25.8072% | 915 |
| Memoranda: | ||
| Average total assets | $94,969,250 | 4,770 |
| Average earning assets | $86,078,000 | 4,786 |
| Average equity | $10,219,250 | 4,742 |
| Average total loans | $45,215,000 | 5,040 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 3,395 |
| Cost of funding earning assets | 0.4274% | 3,576 |
| Net interest margin | 3.6611% | 3,104 |
| Noninterest income to average assets | 0.3494% | 4,636 |
| Noninterest expense to average assets | 2.7555% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8210% | 3,231 |
| Return on assets (ROA) | 0.8210% | 3,327 |
| Pretax return on assets | 0.9115% | 3,838 |
| Return on Equity (ROE) | 7.7522% | 3,234 |
| Retained earnings to average equity (ytd only) | 4.6314% | 3,211 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1435% | 2,786 |
| Assets per employee ($millions) | 3.9879% | 3,864 |
| Cash dividends to net income (ytd only)* | 40.2564% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 4,108 |
| Loan loss allowance to noncurrent loans | 48.1513% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 1.4669% | 2,220 |
| Noncurrent loans to loans | 2.6113% | 1,168 |
| Net loans and leases to total assets | 47.0149% | 5,264 |
| Net loans and leases to deposits | 56.0395% | 5,188 |
| Net loans and leases to core deposits | 60.2125% | 5,121 |
| Total domestic deposits to total assets | 83.8961% | 3,960 |
| Equity capital to assets | 10.8891% | 2,991 |
| Core capital (leverage) ratio | 11.4460% | 2,053 |
| Tier 1 risk-based capital ratio | 23.8336% | 1,005 |
| Total risk-based capital ratio | 25.0845% | 986 |
| Memoranda: | ||
| Average total assets | $95,009,670 | 4,796 |
| Average earning assets | $86,093,330 | 4,825 |
| Average equity | $10,061,670 | 4,787 |
| Average total loans | $45,034,000 | 5,073 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 2,725 |
| Cost of funding earning assets | 0.4476% | 3,455 |
| Net interest margin | 3.7908% | 2,509 |
| Noninterest income to average assets | 0.3465% | 4,602 |
| Noninterest expense to average assets | 2.7932% | 3,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8705% | 2,788 |
| Return on assets (ROA) | 0.8705% | 2,857 |
| Pretax return on assets | 0.9888% | 3,368 |
| Return on Equity (ROE) | 8.3388% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.3388% | 1,478 |
| Net charge-offs to loans | -0.0447% | 5,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8547% | 3,169 |
| Assets per employee ($millions) | 3.9635% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 4,204 |
| Loan loss allowance to noncurrent loans | 46.2711% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 1.5390% | 2,298 |
| Noncurrent loans to loans | 2.7768% | 1,207 |
| Net loans and leases to total assets | 46.6018% | 5,267 |
| Net loans and leases to deposits | 55.2840% | 5,175 |
| Net loans and leases to core deposits | 60.4124% | 4,998 |
| Total domestic deposits to total assets | 84.2954% | 4,166 |
| Equity capital to assets | 10.6344% | 3,101 |
| Core capital (leverage) ratio | 11.4096% | 2,039 |
| Tier 1 risk-based capital ratio | 23.8891% | 1,016 |
| Total risk-based capital ratio | 25.1416% | 997 |
| Memoranda: | ||
| Average total assets | $94,659,500 | 4,851 |
| Average earning assets | $85,787,000 | 4,872 |
| Average equity | $9,881,500 | 4,845 |
| Average total loans | $44,765,500 | 5,130 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,704 |
| Cost of funding earning assets | 0.5503% | 3,107 |
| Net interest margin | 3.5580% | 3,644 |
| Noninterest income to average assets | 0.3841% | 4,561 |
| Noninterest expense to average assets | 2.5167% | 4,714 |
| Loan and lease loss provision to assets | 0.0340% | 4,438 |
| Net operating income to assets | 0.9201% | 2,678 |
| Return on assets (ROA) | 0.9700% | 2,536 |
| Pretax return on assets | 1.1409% | 2,803 |
| Return on Equity (ROE) | 9.9340% | 2,143 |
| Retained earnings to average equity (ytd only) | 4.9564% | 2,620 |
| Net charge-offs to loans | 0.0480% | 4,553 |
| Credit loss provision to net charge-offs | 150.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 49.2727% | 804 |
| Efficiency ratio | 69.2744% | 3,964 |
| Assets per employee ($millions) | 3.9248% | 4,015 |
| Cash dividends to net income (ytd only)* | 50.1062% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 4,228 |
| Loan loss allowance to noncurrent loans | 39.2318% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 1.7804% | 2,075 |
| Noncurrent loans to loans | 3.2673% | 1,018 |
| Net loans and leases to total assets | 46.7673% | 5,415 |
| Net loans and leases to deposits | 55.1553% | 5,377 |
| Net loans and leases to core deposits | 60.2948% | 5,202 |
| Total domestic deposits to total assets | 84.7920% | 3,852 |
| Equity capital to assets | 10.2416% | 3,451 |
| Core capital (leverage) ratio | 11.1406% | 2,246 |
| Tier 1 risk-based capital ratio | 23.6787% | 990 |
| Total risk-based capital ratio | 24.9287% | 974 |
| Memoranda: | ||
| Average total assets | $97,113,200 | 4,815 |
| Average earning assets | $88,672,800 | 4,811 |
| Average equity | $9,482,600 | 4,983 |
| Average total loans | $45,792,400 | 5,122 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 3,734 |
| Cost of funding earning assets | 0.5632% | 3,142 |
| Net interest margin | 3.5434% | 3,693 |
| Noninterest income to average assets | 0.3911% | 4,598 |
| Noninterest expense to average assets | 2.4556% | 4,860 |
| Loan and lease loss provision to assets | 0.0409% | 4,190 |
| Net operating income to assets | 0.9513% | 2,590 |
| Return on assets (ROA) | 1.0166% | 2,399 |
| Pretax return on assets | 1.2128% | 2,647 |
| Return on Equity (ROE) | 10.5348% | 1,986 |
| Retained earnings to average equity (ytd only) | 8.3176% | 1,288 |
| Net charge-offs to loans | 0.0492% | 4,200 |
| Credit loss provision to net charge-offs | 176.4706% | 1,365 |
| Earnings coverage of net charge-offs (x) | 50.7561% | 857 |
| Efficiency ratio | 67.6173% | 4,164 |
| Assets per employee ($millions) | 3.9488% | 3,937 |
| Cash dividends to net income (ytd only)* | 21.0458% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 4,544 |
| Loan loss allowance to noncurrent loans | 40.7092% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 1.6819% | 2,451 |
| Noncurrent loans to loans | 3.1176% | 1,271 |
| Net loans and leases to total assets | 47.1167% | 5,434 |
| Net loans and leases to deposits | 55.0368% | 5,452 |
| Net loans and leases to core deposits | 61.7274% | 5,144 |
| Total domestic deposits to total assets | 85.6095% | 3,445 |
| Equity capital to assets | 9.8036% | 4,178 |
| Core capital (leverage) ratio | 11.3080% | 2,192 |
| Tier 1 risk-based capital ratio | 24.1342% | 981 |
| Total risk-based capital ratio | 25.3851% | 964 |
| Memoranda: | ||
| Average total assets | $97,843,000 | 4,838 |
| Average earning assets | $89,479,250 | 4,831 |
| Average equity | $9,441,500 | 5,044 |
| Average total loans | $46,084,500 | 5,158 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 3,648 |
| Cost of funding earning assets | 0.5833% | 3,098 |
| Net interest margin | 3.5396% | 3,611 |
| Noninterest income to average assets | 0.3500% | 4,888 |
| Noninterest expense to average assets | 2.3506% | 5,205 |
| Loan and lease loss provision to assets | 0.0506% | 3,976 |
| Net operating income to assets | 0.9816% | 2,410 |
| Return on assets (ROA) | 1.0762% | 2,121 |
| Pretax return on assets | 1.3048% | 2,285 |
| Return on Equity (ROE) | 11.2098% | 1,744 |
| Retained earnings to average equity (ytd only) | 7.9017% | 1,528 |
| Net charge-offs to loans | 0.0776% | 3,607 |
| Credit loss provision to net charge-offs | 138.8889% | 1,632 |
| Earnings coverage of net charge-offs (x) | 34.0556% | 1,042 |
| Efficiency ratio | 65.4648% | 4,638 |
| Assets per employee ($millions) | 3.9935% | 3,818 |
| Cash dividends to net income (ytd only)* | 29.5113% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 4,852 |
| Loan loss allowance to noncurrent loans | 42.5787% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 1.5650% | 2,767 |
| Noncurrent loans to loans | 2.8775% | 1,568 |
| Net loans and leases to total assets | 47.7776% | 5,349 |
| Net loans and leases to deposits | 55.4228% | 5,396 |
| Net loans and leases to core deposits | 62.0252% | 5,091 |
| Total domestic deposits to total assets | 86.2057% | 3,260 |
| Equity capital to assets | 9.3663% | 4,762 |
| Core capital (leverage) ratio | 10.6760% | 2,692 |
| Tier 1 risk-based capital ratio | 22.9022% | 1,149 |
| Total risk-based capital ratio | 24.1529% | 1,139 |
| Memoranda: | ||
| Average total assets | $98,867,000 | 4,845 |
| Average earning assets | $90,518,670 | 4,828 |
| Average equity | $9,491,670 | 5,060 |
| Average total loans | $46,370,330 | 5,165 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 3,496 |
| Cost of funding earning assets | 0.6120% | 2,991 |
| Net interest margin | 3.5419% | 3,512 |
| Noninterest income to average assets | 0.3467% | 4,911 |
| Noninterest expense to average assets | 2.8014% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7372% | 3,495 |
| Return on assets (ROA) | 0.7372% | 3,631 |
| Pretax return on assets | 0.7970% | 4,179 |
| Return on Equity (ROE) | 7.5905% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.5905% | 1,901 |
| Net charge-offs to loans | -0.0259% | 5,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8516% | 2,629 |
| Assets per employee ($millions) | 4.3427% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 5,091 |
| Loan loss allowance to noncurrent loans | 53.6190% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.3005% | 3,364 |
| Noncurrent loans to loans | 2.2757% | 2,300 |
| Net loans and leases to total assets | 45.6303% | 5,473 |
| Net loans and leases to deposits | 54.5402% | 5,391 |
| Net loans and leases to core deposits | 61.2391% | 5,023 |
| Total domestic deposits to total assets | 83.6636% | 4,606 |
| Equity capital to assets | 9.7416% | 4,509 |
| Core capital (leverage) ratio | 10.2698% | 3,048 |
| Tier 1 risk-based capital ratio | 21.9265% | 1,346 |
| Total risk-based capital ratio | 23.1354% | 1,325 |
| Memoranda: | ||
| Average total assets | $100,378,500 | 4,856 |
| Average earning assets | $92,154,000 | 4,838 |
| Average equity | $9,749,000 | 5,052 |
| Average total loans | $46,375,500 | 5,207 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 3,569 |
| Cost of funding earning assets | 0.7755% | 2,866 |
| Net interest margin | 3.6847% | 3,717 |
| Noninterest income to average assets | 0.3637% | 4,878 |
| Noninterest expense to average assets | 2.8783% | 3,723 |
| Loan and lease loss provision to assets | 0.0132% | 5,746 |
| Net operating income to assets | 0.7507% | 3,511 |
| Return on assets (ROA) | 0.7507% | 3,751 |
| Pretax return on assets | 0.8419% | 4,147 |
| Return on Equity (ROE) | 7.6269% | 3,270 |
| Retained earnings to average equity (ytd only) | 3.3143% | 3,892 |
| Net charge-offs to loans | 0.0515% | 5,202 |
| Credit loss provision to net charge-offs | 52.0000% | 4,645 |
| Earnings coverage of net charge-offs (x) | 33.7600% | 921 |
| Efficiency ratio | 77.0963% | 2,580 |
| Assets per employee ($millions) | 3.8798% | 4,201 |
| Cash dividends to net income (ytd only)* | 56.5452% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 5,096 |
| Loan loss allowance to noncurrent loans | 45.0241% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 1.3839% | 3,323 |
| Noncurrent loans to loans | 2.6731% | 1,980 |
| Net loans and leases to total assets | 45.6511% | 5,652 |
| Net loans and leases to deposits | 53.9529% | 5,658 |
| Net loans and leases to core deposits | 60.4241% | 5,325 |
| Total domestic deposits to total assets | 84.6128% | 4,033 |
| Equity capital to assets | 9.6832% | 4,614 |
| Core capital (leverage) ratio | 10.1977% | 3,145 |
| Tier 1 risk-based capital ratio | 21.6782% | 1,323 |
| Total risk-based capital ratio | 22.8910% | 1,305 |
| Memoranda: | ||
| Average total assets | $98,705,000 | 4,867 |
| Average earning assets | $90,264,200 | 4,862 |
| Average equity | $9,715,600 | 5,045 |
| Average total loans | $48,497,800 | 5,161 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6215% | 3,126 |
| Cost of funding earning assets | 0.7928% | 3,008 |
| Net interest margin | 3.8287% | 3,213 |
| Noninterest income to average assets | 0.3640% | 4,911 |
| Noninterest expense to average assets | 3.1050% | 2,873 |
| Loan and lease loss provision to assets | 0.0177% | 5,582 |
| Net operating income to assets | 0.6601% | 4,090 |
| Return on assets (ROA) | 0.6601% | 4,358 |
| Pretax return on assets | 0.7375% | 4,713 |
| Return on Equity (ROE) | 6.6785% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.5211% | 3,717 |
| Net charge-offs to loans | 0.0599% | 4,827 |
| Credit loss provision to net charge-offs | 59.0909% | 4,167 |
| Earnings coverage of net charge-offs (x) | 25.2748% | 1,253 |
| Efficiency ratio | 80.4363% | 2,027 |
| Assets per employee ($millions) | 3.7470% | 4,431 |
| Cash dividends to net income (ytd only)* | 32.3050% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 5,349 |
| Loan loss allowance to noncurrent loans | 56.3437% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.4001% | 3,506 |
| Noncurrent loans to loans | 2.1043% | 2,726 |
| Net loans and leases to total assets | 48.2499% | 5,520 |
| Net loans and leases to deposits | 57.3503% | 5,500 |
| Net loans and leases to core deposits | 66.1339% | 4,942 |
| Total domestic deposits to total assets | 84.1319% | 4,159 |
| Equity capital to assets | 10.1466% | 4,282 |
| Core capital (leverage) ratio | 10.2724% | 3,199 |
| Tier 1 risk-based capital ratio | 21.8124% | 1,363 |
| Total risk-based capital ratio | 23.0383% | 1,344 |
| Memoranda: | ||
| Average total assets | $98,162,250 | 4,926 |
| Average earning assets | $89,636,250 | 4,921 |
| Average equity | $9,702,500 | 5,100 |
| Average total loans | $48,969,250 | 5,202 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 3,219 |
| Cost of funding earning assets | 0.8050% | 3,149 |
| Net interest margin | 3.8273% | 3,230 |
| Noninterest income to average assets | 0.3618% | 4,943 |
| Noninterest expense to average assets | 2.9753% | 3,353 |
| Loan and lease loss provision to assets | 0.0020% | 5,612 |
| Net operating income to assets | 0.7520% | 3,595 |
| Return on assets (ROA) | 0.7520% | 3,869 |
| Pretax return on assets | 0.8820% | 4,151 |
| Return on Equity (ROE) | 7.6750% | 3,409 |
| Retained earnings to average equity (ytd only) | 4.4183% | 3,662 |
| Net charge-offs to loans | 0.0364% | 4,872 |
| Credit loss provision to net charge-offs | 11.1111% | 4,727 |
| Earnings coverage of net charge-offs (x) | 48.3333% | 750 |
| Efficiency ratio | 77.0932% | 2,578 |
| Assets per employee ($millions) | 3.7642% | 4,398 |
| Cash dividends to net income (ytd only)* | 42.4324% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 5,507 |
| Loan loss allowance to noncurrent loans | 71.3384% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.1996% | 4,011 |
| Noncurrent loans to loans | 1.6326% | 3,460 |
| Net loans and leases to total assets | 48.9900% | 5,485 |
| Net loans and leases to deposits | 58.1234% | 5,434 |
| Net loans and leases to core deposits | 66.9571% | 4,902 |
| Total domestic deposits to total assets | 84.2861% | 4,200 |
| Equity capital to assets | 10.0318% | 4,285 |
| Core capital (leverage) ratio | 10.1176% | 3,251 |
| Tier 1 risk-based capital ratio | 21.0402% | 1,475 |
| Total risk-based capital ratio | 22.2386% | 1,456 |
| Memoranda: | ||
| Average total assets | $98,409,000 | 4,943 |
| Average earning assets | $89,933,000 | 4,936 |
| Average equity | $9,641,670 | 5,124 |
| Average total loans | $49,435,670 | 5,216 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 3,334 |
| Cost of funding earning assets | 0.8304% | 3,222 |
| Net interest margin | 3.8056% | 3,369 |
| Noninterest income to average assets | 0.3567% | 5,019 |
| Noninterest expense to average assets | 2.9713% | 3,380 |
| Loan and lease loss provision to assets | 0.0041% | 5,219 |
| Net operating income to assets | 0.7296% | 3,735 |
| Return on assets (ROA) | 0.7296% | 3,970 |
| Pretax return on assets | 0.8553% | 4,209 |
| Return on Equity (ROE) | 7.5365% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.5365% | 2,161 |
| Net charge-offs to loans | -0.0080% | 5,885 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5661% | 2,557 |
| Assets per employee ($millions) | 4.1454% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 5,663 |
| Loan loss allowance to noncurrent loans | 61.2593% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.5600% | 3,522 |
| Noncurrent loans to loans | 1.8980% | 3,287 |
| Net loans and leases to total assets | 49.0446% | 5,426 |
| Net loans and leases to deposits | 57.8012% | 5,397 |
| Net loans and leases to core deposits | 65.9887% | 4,910 |
| Total domestic deposits to total assets | 84.8506% | 4,104 |
| Equity capital to assets | 9.6775% | 4,554 |
| Core capital (leverage) ratio | 10.0643% | 3,293 |
| Tier 1 risk-based capital ratio | 20.6683% | 1,550 |
| Total risk-based capital ratio | 21.8680% | 1,539 |
| Memoranda: | ||
| Average total assets | $98,679,000 | 4,962 |
| Average earning assets | $90,077,000 | 4,964 |
| Average equity | $9,553,500 | 5,159 |
| Average total loans | $49,898,000 | 5,232 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 3,270 |
| Cost of funding earning assets | 0.9657% | 3,607 |
| Net interest margin | 3.9529% | 3,092 |
| Noninterest income to average assets | 0.3524% | 4,983 |
| Noninterest expense to average assets | 2.7811% | 4,421 |
| Loan and lease loss provision to assets | 0.0312% | 6,175 |
| Net operating income to assets | 0.9220% | 2,519 |
| Return on assets (ROA) | 0.9244% | 2,626 |
| Pretax return on assets | 1.1741% | 2,557 |
| Return on Equity (ROE) | 9.4796% | 2,255 |
| Retained earnings to average equity (ytd only) | 4.6055% | 2,901 |
| Net charge-offs to loans | 0.0198% | 6,166 |
| Credit loss provision to net charge-offs | 310.0000% | 750 |
| Earnings coverage of net charge-offs (x) | 119.4000% | 275 |
| Efficiency ratio | 69.8180% | 4,000 |
| Assets per employee ($millions) | 3.7642% | 4,403 |
| Cash dividends to net income (ytd only)* | 51.4161% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 5,684 |
| Loan loss allowance to noncurrent loans | 44.8627% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 1.6318% | 3,511 |
| Noncurrent loans to loans | 2.5284% | 2,602 |
| Net loans and leases to total assets | 50.9416% | 5,472 |
| Net loans and leases to deposits | 60.1189% | 5,469 |
| Net loans and leases to core deposits | 69.4557% | 4,855 |
| Total domestic deposits to total assets | 84.7347% | 3,990 |
| Equity capital to assets | 9.6854% | 4,621 |
| Core capital (leverage) ratio | 9.8981% | 3,460 |
| Tier 1 risk-based capital ratio | 18.5265% | 2,036 |
| Total risk-based capital ratio | 19.6180% | 2,052 |
| Memoranda: | ||
| Average total assets | $99,312,800 | 4,903 |
| Average earning assets | $91,224,800 | 4,884 |
| Average equity | $9,684,000 | 5,101 |
| Average total loans | $50,380,000 | 5,250 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9454% | 3,355 |
| Cost of funding earning assets | 0.9838% | 3,793 |
| Net interest margin | 3.9616% | 3,097 |
| Noninterest income to average assets | 0.3518% | 5,041 |
| Noninterest expense to average assets | 2.8720% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9010% | 2,736 |
| Return on assets (ROA) | 0.9043% | 2,863 |
| Pretax return on assets | 1.1196% | 2,926 |
| Return on Equity (ROE) | 9.2582% | 2,479 |
| Retained earnings to average equity (ytd only) | 6.9163% | 2,018 |
| Net charge-offs to loans | 0.0132% | 5,965 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 166.7121% | 232 |
| Efficiency ratio | 72.0228% | 3,551 |
| Assets per employee ($millions) | 3.9685% | 3,923 |
| Cash dividends to net income (ytd only)* | 25.2954% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 5,923 |
| Loan loss allowance to noncurrent loans | 42.6896% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 1.6137% | 3,661 |
| Noncurrent loans to loans | 2.5577% | 2,708 |
| Net loans and leases to total assets | 49.8528% | 5,719 |
| Net loans and leases to deposits | 58.5263% | 5,791 |
| Net loans and leases to core deposits | 68.7957% | 5,085 |
| Total domestic deposits to total assets | 85.1802% | 3,690 |
| Equity capital to assets | 10.3123% | 3,937 |
| Core capital (leverage) ratio | 9.8844% | 3,599 |
| Tier 1 risk-based capital ratio | 20.2024% | 1,637 |
| Total risk-based capital ratio | 21.3319% | 1,634 |
| Memoranda: | ||
| Average total assets | $99,673,750 | 4,936 |
| Average earning assets | $91,476,250 | 4,912 |
| Average equity | $9,735,250 | 5,111 |
| Average total loans | $50,368,000 | 5,291 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0203% | 3,061 |
| Cost of funding earning assets | 0.9854% | 4,050 |
| Net interest margin | 4.0349% | 2,676 |
| Noninterest income to average assets | 0.3566% | 5,035 |
| Noninterest expense to average assets | 2.8068% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0149% | 2,168 |
| Return on assets (ROA) | 1.0198% | 2,234 |
| Pretax return on assets | 1.2722% | 2,234 |
| Return on Equity (ROE) | 10.6374% | 1,919 |
| Retained earnings to average equity (ytd only) | 7.0637% | 1,852 |
| Net charge-offs to loans | -0.0198% | 6,820 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9129% | 4,339 |
| Assets per employee ($millions) | 3.7629% | 4,289 |
| Cash dividends to net income (ytd only)* | 33.5953% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 5,925 |
| Loan loss allowance to noncurrent loans | 61.0077% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.2807% | 4,334 |
| Noncurrent loans to loans | 1.8159% | 3,728 |
| Net loans and leases to total assets | 50.8218% | 5,713 |
| Net loans and leases to deposits | 59.5644% | 5,772 |
| Net loans and leases to core deposits | 70.6650% | 4,992 |
| Total domestic deposits to total assets | 85.3224% | 3,718 |
| Equity capital to assets | 10.1875% | 3,888 |
| Core capital (leverage) ratio | 9.6753% | 3,694 |
| Tier 1 risk-based capital ratio | 19.8132% | 1,648 |
| Total risk-based capital ratio | 20.9626% | 1,642 |
| Memoranda: | ||
| Average total assets | $99,827,670 | 4,968 |
| Average earning assets | $91,946,670 | 4,938 |
| Average equity | $9,570,000 | 5,167 |
| Average total loans | $50,488,670 | 5,335 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 2,698 |
| Cost of funding earning assets | 0.9779% | 4,370 |
| Net interest margin | 4.1096% | 2,231 |
| Noninterest income to average assets | 0.3650% | 4,992 |
| Noninterest expense to average assets | 2.7573% | 4,618 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0915% | 1,866 |
| Return on assets (ROA) | 1.0791% | 1,963 |
| Pretax return on assets | 1.3767% | 1,789 |
| Return on Equity (ROE) | 11.6097% | 1,572 |
| Retained earnings to average equity (ytd only) | 11.6097% | 796 |
| Net charge-offs to loans | -0.0237% | 6,627 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4436% | 4,955 |
| Assets per employee ($millions) | 3.8482% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 6,029 |
| Loan loss allowance to noncurrent loans | 63.7199% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.2104% | 4,530 |
| Noncurrent loans to loans | 1.7324% | 3,908 |
| Net loans and leases to total assets | 49.6972% | 5,891 |
| Net loans and leases to deposits | 57.6151% | 5,965 |
| Net loans and leases to core deposits | 68.4814% | 5,234 |
| Total domestic deposits to total assets | 86.2571% | 3,356 |
| Equity capital to assets | 9.5540% | 4,364 |
| Core capital (leverage) ratio | 9.5015% | 3,804 |
| Tier 1 risk-based capital ratio | 19.1923% | 1,753 |
| Total risk-based capital ratio | 20.3095% | 1,748 |
| Memoranda: | ||
| Average total assets | $100,823,500 | 4,985 |
| Average earning assets | $92,855,000 | 4,947 |
| Average equity | $9,371,500 | 5,213 |
| Average total loans | $50,593,500 | 5,377 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 4,792 |
| Cost of funding earning assets | 1.6112% | 2,004 |
| Net interest margin | 3.3376% | 5,844 |
| Noninterest income to average assets | 0.3425% | 5,344 |
| Noninterest expense to average assets | 2.4982% | 5,808 |
| Loan and lease loss provision to assets | 0.0141% | 6,960 |
| Net operating income to assets | 0.7831% | 2,878 |
| Return on assets (ROA) | 0.8309% | 2,809 |
| Pretax return on assets | 0.9654% | 3,048 |
| Return on Equity (ROE) | 9.4038% | 2,144 |
| Retained earnings to average equity (ytd only) | 5.0800% | 2,365 |
| Net charge-offs to loans | 0.1797% | 5,243 |
| Credit loss provision to net charge-offs | 16.1290% | 6,586 |
| Earnings coverage of net charge-offs (x) | 10.5591% | 1,689 |
| Efficiency ratio | 72.9997% | 3,594 |
| Assets per employee ($millions) | 3.9075% | 3,986 |
| Cash dividends to net income (ytd only)* | 45.9796% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 6,006 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 1.6487% | 3,825 |
| Noncurrent loans to loans | 2.7107% | 2,807 |
| Net loans and leases to total assets | 49.5664% | 6,201 |
| Net loans and leases to deposits | 57.0469% | 6,346 |
| Net loans and leases to core deposits | 65.8778% | 5,886 |
| Total domestic deposits to total assets | 86.8871% | 2,884 |
| Equity capital to assets | 9.0398% | 5,084 |
| Core capital (leverage) ratio | 9.1666% | 4,231 |
| Tier 1 risk-based capital ratio | 18.1291% | 1,959 |
| Total risk-based capital ratio | 19.2094% | 1,971 |
| Memoranda: | ||
| Average total assets | $106,275,600 | 4,818 |
| Average earning assets | $98,065,800 | 4,772 |
| Average equity | $9,389,800 | 5,301 |
| Average total loans | $51,740,000 | 5,416 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 4,842 |
| Cost of funding earning assets | 1.7890% | 1,462 |
| Net interest margin | 3.2054% | 6,326 |
| Noninterest income to average assets | 0.3487% | 5,382 |
| Noninterest expense to average assets | 2.4917% | 5,742 |
| Loan and lease loss provision to assets | 0.0025% | 6,970 |
| Net operating income to assets | 0.7104% | 3,364 |
| Return on assets (ROA) | 0.7607% | 3,333 |
| Pretax return on assets | 0.8686% | 3,669 |
| Return on Equity (ROE) | 8.6568% | 2,626 |
| Retained earnings to average equity (ytd only) | 6.6233% | 2,030 |
| Net charge-offs to loans | 0.2002% | 4,744 |
| Credit loss provision to net charge-offs | 2.5641% | 6,364 |
| Earnings coverage of net charge-offs (x) | 8.4100% | 2,171 |
| Efficiency ratio | 75.3754% | 3,061 |
| Assets per employee ($millions) | 3.9505% | 3,937 |
| Cash dividends to net income (ytd only)* | 23.4917% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 6,080 |
| Loan loss allowance to noncurrent loans | 37.4661% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 1.7242% | 3,857 |
| Noncurrent loans to loans | 2.8529% | 2,798 |
| Net loans and leases to total assets | 49.8325% | 6,341 |
| Net loans and leases to deposits | 57.5904% | 6,498 |
| Net loans and leases to core deposits | 67.7261% | 5,971 |
| Total domestic deposits to total assets | 86.5293% | 2,792 |
| Equity capital to assets | 9.5938% | 4,708 |
| Core capital (leverage) ratio | 8.8943% | 4,857 |
| Tier 1 risk-based capital ratio | 17.7551% | 2,093 |
| Total risk-based capital ratio | 18.8159% | 2,127 |
| Memoranda: | ||
| Average total assets | $107,445,750 | 4,848 |
| Average earning assets | $99,122,000 | 4,809 |
| Average equity | $9,441,250 | 5,365 |
| Average total loans | $51,947,750 | 5,483 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9485% | 5,186 |
| Cost of funding earning assets | 1.9465% | 1,054 |
| Net interest margin | 3.0020% | 6,818 |
| Noninterest income to average assets | 0.3430% | 5,402 |
| Noninterest expense to average assets | 2.3976% | 6,074 |
| Loan and lease loss provision to assets | 0.0037% | 6,845 |
| Net operating income to assets | 0.6604% | 3,583 |
| Return on assets (ROA) | 0.6604% | 3,734 |
| Pretax return on assets | 0.7173% | 4,174 |
| Return on Equity (ROE) | 7.7389% | 2,993 |
| Retained earnings to average equity (ytd only) | 4.6433% | 3,117 |
| Net charge-offs to loans | 0.0423% | 5,783 |
| Credit loss provision to net charge-offs | 18.1818% | 5,874 |
| Earnings coverage of net charge-offs (x) | 35.7273% | 803 |
| Efficiency ratio | 76.8824% | 2,918 |
| Assets per employee ($millions) | 4.2577% | 3,287 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 5,519 |
| Loan loss allowance to noncurrent loans | 31.6811% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 1.9277% | 3,584 |
| Noncurrent loans to loans | 3.7518% | 2,074 |
| Net loans and leases to total assets | 46.5587% | 6,738 |
| Net loans and leases to deposits | 59.0687% | 6,495 |
| Net loans and leases to core deposits | 74.9600% | 5,325 |
| Total domestic deposits to total assets | 78.8213% | 6,081 |
| Equity capital to assets | 8.6286% | 5,977 |
| Core capital (leverage) ratio | 8.2262% | 5,901 |
| Tier 1 risk-based capital ratio | 16.6740% | 2,415 |
| Total risk-based capital ratio | 17.8160% | 2,401 |
| Memoranda: | ||
| Average total assets | $109,023,670 | 4,830 |
| Average earning assets | $100,798,670 | 4,785 |
| Average equity | $9,303,670 | 5,415 |
| Average total loans | $52,018,000 | 5,511 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 5,177 |
| Cost of funding earning assets | 1.9866% | 1,141 |
| Net interest margin | 2.9779% | 6,883 |
| Noninterest income to average assets | 0.3513% | 5,331 |
| Noninterest expense to average assets | 2.3922% | 6,119 |
| Loan and lease loss provision to assets | 0.0074% | 6,522 |
| Net operating income to assets | 0.6581% | 3,625 |
| Return on assets (ROA) | 0.6581% | 3,736 |
| Pretax return on assets | 0.7062% | 4,209 |
| Return on Equity (ROE) | 7.7564% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.7564% | 1,809 |
| Net charge-offs to loans | 0.0924% | 4,496 |
| Credit loss provision to net charge-offs | 16.6667% | 4,982 |
| Earnings coverage of net charge-offs (x) | 16.0833% | 1,350 |
| Efficiency ratio | 77.0238% | 3,057 |
| Assets per employee ($millions) | 4.1643% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 5,540 |
| Loan loss allowance to noncurrent loans | 29.2591% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 2.1492% | 3,330 |
| Noncurrent loans to loans | 4.0746% | 1,916 |
| Net loans and leases to total assets | 47.4592% | 6,720 |
| Net loans and leases to deposits | 60.3401% | 6,433 |
| Net loans and leases to core deposits | 79.5865% | 4,811 |
| Total domestic deposits to total assets | 78.6528% | 6,166 |
| Equity capital to assets | 8.5775% | 5,902 |
| Core capital (leverage) ratio | 8.3404% | 5,665 |
| Tier 1 risk-based capital ratio | 16.8896% | 2,305 |
| Total risk-based capital ratio | 18.0512% | 2,294 |
| Memoranda: | ||
| Average total assets | $108,185,000 | 4,918 |
| Average earning assets | $100,069,500 | 4,877 |
| Average equity | $9,179,500 | 5,488 |
| Average total loans | $51,946,500 | 5,587 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5066% | 4,110 |
| Cost of funding earning assets | 2.4378% | 1,192 |
| Net interest margin | 3.0688% | 6,473 |
| Noninterest income to average assets | 0.3921% | 5,275 |
| Noninterest expense to average assets | 2.5775% | 5,875 |
| Loan and lease loss provision to assets | 0.1025% | 6,608 |
| Net operating income to assets | 0.5753% | 3,425 |
| Return on assets (ROA) | 0.6028% | 3,390 |
| Pretax return on assets | 0.6019% | 3,898 |
| Return on Equity (ROE) | 7.1815% | 2,719 |
| Retained earnings to average equity (ytd only) | 2.7369% | 3,239 |
| Net charge-offs to loans | 0.0796% | 6,314 |
| Credit loss provision to net charge-offs | 257.1429% | 1,364 |
| Earnings coverage of net charge-offs (x) | 16.9762% | 1,219 |
| Efficiency ratio | 79.2007% | 3,009 |
| Assets per employee ($millions) | 4.1576% | 3,508 |
| Cash dividends to net income (ytd only)* | 61.8898% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 5,281 |
| Loan loss allowance to noncurrent loans | 31.2159% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 1.9103% | 3,515 |
| Noncurrent loans to loans | 3.8834% | 1,911 |
| Net loans and leases to total assets | 47.4190% | 6,859 |
| Net loans and leases to deposits | 60.1335% | 6,624 |
| Net loans and leases to core deposits | 85.5586% | 5,563 |
| Total domestic deposits to total assets | 78.8562% | 6,021 |
| Equity capital to assets | 8.3924% | 6,064 |
| Core capital (leverage) ratio | 8.2481% | 5,728 |
| Tier 1 risk-based capital ratio | 16.3349% | 2,384 |
| Total risk-based capital ratio | 17.4976% | 2,357 |
| Memoranda: | ||
| Average total assets | $105,336,200 | 4,950 |
| Average earning assets | $98,245,400 | 4,885 |
| Average equity | $8,842,200 | 5,652 |
| Average total loans | $52,748,800 | 5,556 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5390% | 4,219 |
| Cost of funding earning assets | 2.5081% | 1,270 |
| Net interest margin | 3.0309% | 6,518 |
| Noninterest income to average assets | 0.3835% | 5,450 |
| Noninterest expense to average assets | 2.4922% | 6,095 |
| Loan and lease loss provision to assets | 0.1019% | 6,353 |
| Net operating income to assets | 0.6076% | 3,587 |
| Return on assets (ROA) | 0.6434% | 3,500 |
| Pretax return on assets | 0.6625% | 3,977 |
| Return on Equity (ROE) | 7.6646% | 2,785 |
| Retained earnings to average equity (ytd only) | 5.4790% | 2,219 |
| Net charge-offs to loans | -0.0025% | 7,597 |
| Credit loss provision to net charge-offs | -8,000.0000% | 7,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4040% | 3,258 |
| Assets per employee ($millions) | 4.1341% | 3,499 |
| Cash dividends to net income (ytd only)* | 28.5154% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 5,099 |
| Loan loss allowance to noncurrent loans | 30.6775% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 2.1435% | 3,169 |
| Noncurrent loans to loans | 3.9162% | 1,879 |
| Net loans and leases to total assets | 49.1948% | 6,847 |
| Net loans and leases to deposits | 63.0461% | 6,585 |
| Net loans and leases to core deposits | 91.1140% | 5,322 |
| Total domestic deposits to total assets | 78.0299% | 6,082 |
| Equity capital to assets | 8.6159% | 6,092 |
| Core capital (leverage) ratio | 8.5078% | 5,475 |
| Tier 1 risk-based capital ratio | 16.7549% | 2,345 |
| Total risk-based capital ratio | 17.9580% | 2,308 |
| Memoranda: | ||
| Average total assets | $104,645,750 | 5,000 |
| Average earning assets | $97,922,000 | 4,923 |
| Average equity | $8,784,750 | 5,724 |
| Average total loans | $52,964,000 | 5,598 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6027% | 4,065 |
| Cost of funding earning assets | 2.5368% | 1,489 |
| Net interest margin | 3.0659% | 6,348 |
| Noninterest income to average assets | 0.3742% | 5,514 |
| Noninterest expense to average assets | 2.4918% | 6,148 |
| Loan and lease loss provision to assets | 0.0540% | 6,683 |
| Net operating income to assets | 0.6519% | 3,459 |
| Return on assets (ROA) | 0.7040% | 3,338 |
| Pretax return on assets | 0.7560% | 3,815 |
| Return on Equity (ROE) | 8.4628% | 2,584 |
| Retained earnings to average equity (ytd only) | 5.1240% | 2,442 |
| Net charge-offs to loans | 0.0114% | 6,403 |
| Credit loss provision to net charge-offs | 933.3333% | 518 |
| Earnings coverage of net charge-offs (x) | 130.3333% | 300 |
| Efficiency ratio | 76.7677% | 3,548 |
| Assets per employee ($millions) | 4.0745% | 3,543 |
| Cash dividends to net income (ytd only)* | 39.4521% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,491 |
| Loan loss allowance to noncurrent loans | 31.1241% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 1.9955% | 3,202 |
| Noncurrent loans to loans | 3.5829% | 1,952 |
| Net loans and leases to total assets | 49.1353% | 6,947 |
| Net loans and leases to deposits | 62.1888% | 6,719 |
| Net loans and leases to core deposits | 88.7472% | 5,656 |
| Total domestic deposits to total assets | 79.0100% | 5,811 |
| Equity capital to assets | 8.1880% | 6,511 |
| Core capital (leverage) ratio | 8.2848% | 5,831 |
| Tier 1 risk-based capital ratio | 16.8199% | 2,358 |
| Total risk-based capital ratio | 17.9399% | 2,343 |
| Memoranda: | ||
| Average total assets | $103,698,670 | 5,052 |
| Average earning assets | $97,132,000 | 4,972 |
| Average equity | $8,626,000 | 5,805 |
| Average total loans | $52,778,330 | 5,645 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7085% | 3,758 |
| Cost of funding earning assets | 2.5659% | 1,673 |
| Net interest margin | 3.1426% | 6,054 |
| Noninterest income to average assets | 0.3587% | 5,576 |
| Noninterest expense to average assets | 2.5736% | 5,556 |
| Loan and lease loss provision to assets | 0.0585% | 6,228 |
| Net operating income to assets | 0.6358% | 3,861 |
| Return on assets (ROA) | 0.6395% | 4,023 |
| Pretax return on assets | 0.6629% | 4,547 |
| Return on Equity (ROE) | 7.6261% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.6261% | 1,964 |
| Net charge-offs to loans | -0.0530% | 7,711 |
| Credit loss provision to net charge-offs | -214.2857% | 6,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1991% | 3,134 |
| Assets per employee ($millions) | 3.9805% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 5,404 |
| Loan loss allowance to noncurrent loans | 32.3725% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 1.9634% | 2,959 |
| Noncurrent loans to loans | 3.4253% | 1,866 |
| Net loans and leases to total assets | 50.3247% | 6,834 |
| Net loans and leases to deposits | 64.0761% | 6,557 |
| Net loans and leases to core deposits | 87.5124% | 5,783 |
| Total domestic deposits to total assets | 78.5389% | 5,855 |
| Equity capital to assets | 8.3396% | 6,331 |
| Core capital (leverage) ratio | 8.5448% | 5,441 |
| Tier 1 risk-based capital ratio | 16.7112% | 2,442 |
| Total risk-based capital ratio | 17.8253% | 2,416 |
| Memoranda: | ||
| Average total assets | $102,580,000 | 5,111 |
| Average earning assets | $95,717,500 | 5,031 |
| Average equity | $8,602,000 | 5,845 |
| Average total loans | $52,848,000 | 5,674 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9353% | 5,877 |
| Cost of funding earning assets | 2.6118% | 3,625 |
| Net interest margin | 3.3236% | 5,957 |
| Noninterest income to average assets | 0.4289% | 5,223 |
| Noninterest expense to average assets | 2.7364% | 5,102 |
| Loan and lease loss provision to assets | 0.0856% | 6,316 |
| Net operating income to assets | 0.6563% | 4,081 |
| Return on assets (ROA) | 0.6733% | 3,851 |
| Pretax return on assets | 0.6960% | 4,409 |
| Return on Equity (ROE) | 8.0627% | 3,049 |
| Retained earnings to average equity (ytd only) | 3.3708% | 3,058 |
| Net charge-offs to loans | 0.0057% | 6,892 |
| Credit loss provision to net charge-offs | 2,766.6667% | 176 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 198 |
| Efficiency ratio | 78.1738% | 2,893 |
| Assets per employee ($millions) | 3.9102% | 3,706 |
| Cash dividends to net income (ytd only)* | 58.1930% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 5,549 |
| Loan loss allowance to noncurrent loans | 30.6936% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 2.0085% | 2,449 |
| Noncurrent loans to loans | 3.4528% | 1,476 |
| Net loans and leases to total assets | 51.6072% | 6,882 |
| Net loans and leases to deposits | 66.3350% | 6,618 |
| Net loans and leases to core deposits | 92.7093% | 5,564 |
| Total domestic deposits to total assets | 77.7979% | 5,777 |
| Equity capital to assets | 8.4325% | 6,199 |
| Core capital (leverage) ratio | 8.7320% | 5,144 |
| Tier 1 risk-based capital ratio | 16.8572% | 2,357 |
| Total risk-based capital ratio | 17.9595% | 2,351 |
| Memoranda: | ||
| Average total assets | $96,989,400 | 5,141 |
| Average earning assets | $89,632,600 | 5,096 |
| Average equity | $8,099,000 | 6,046 |
| Average total loans | $52,960,400 | 5,581 |