Home > The First National Bank & Trust Company of Rochelle > Performance and Condition Ratios
The First National Bank & Trust Company of Rochelle, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2511% | 5,707 |
| Cost of funding earning assets | 0.3592% | 3,490 |
| Net interest margin | 1.8919% | 5,712 |
| Noninterest income to average assets | 0.9048% | 1,261 |
| Noninterest expense to average assets | 2.6480% | 3,273 |
| Loan and lease loss provision to assets | -0.1563% | 5,691 |
| Net operating income to assets | 0.1833% | 5,418 |
| Return on assets (ROA) | 0.2126% | 5,394 |
| Pretax return on assets | 0.2169% | 5,417 |
| Return on Equity (ROE) | 2.2133% | 5,302 |
| Retained earnings to average equity (ytd only) | -0.2748% | 5,120 |
| Net charge-offs to loans | -0.0153% | 4,676 |
| Credit loss provision to net charge-offs | 3,650.0000% | 119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6702% | 243 |
| Assets per employee ($millions) | 4.6975% | 2,795 |
| Cash dividends to net income (ytd only)* | 112.4161% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 4,906 |
| Loan loss allowance to noncurrent loans | 93.0984% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 3,613 |
| Noncurrent loans to loans | 0.8767% | 2,231 |
| Net loans and leases to total assets | 26.8861% | 5,589 |
| Net loans and leases to deposits | 31.2877% | 5,613 |
| Net loans and leases to core deposits | 32.9118% | 5,616 |
| Total domestic deposits to total assets | 85.9316% | 2,399 |
| Equity capital to assets | 9.3823% | 4,533 |
| Core capital (leverage) ratio | 8.6388% | 5,099 |
| Tier 1 risk-based capital ratio | 22.6639% | 977 |
| Total risk-based capital ratio | 23.2616% | 1,033 |
| Memoranda: | ||
| Average total assets | $280,291,670 | 2,315 |
| Average earning assets | $262,807,330 | 2,285 |
| Average equity | $26,928,670 | 2,567 |
| Average total loans | $78,292,670 | 3,829 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3276% | 5,763 |
| Cost of funding earning assets | 0.3558% | 3,467 |
| Net interest margin | 1.9718% | 5,758 |
| Noninterest income to average assets | 0.9395% | 1,139 |
| Noninterest expense to average assets | 2.4159% | 4,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3570% | 5,054 |
| Return on assets (ROA) | 0.3695% | 5,046 |
| Pretax return on assets | 0.3839% | 5,189 |
| Return on Equity (ROE) | 3.7996% | 4,844 |
| Retained earnings to average equity (ytd only) | -0.6530% | 5,023 |
| Net charge-offs to loans | -0.0102% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6194% | 916 |
| Assets per employee ($millions) | 4.3109% | 3,486 |
| Cash dividends to net income (ytd only)* | 117.1875% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,680 |
| Loan loss allowance to noncurrent loans | 123.5808% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 3,554 |
| Noncurrent loans to loans | 0.8956% | 2,236 |
| Net loans and leases to total assets | 27.4960% | 5,642 |
| Net loans and leases to deposits | 32.4994% | 5,647 |
| Net loans and leases to core deposits | 33.7317% | 5,653 |
| Total domestic deposits to total assets | 84.6047% | 3,259 |
| Equity capital to assets | 9.8244% | 3,951 |
| Core capital (leverage) ratio | 8.7061% | 5,035 |
| Tier 1 risk-based capital ratio | 23.0386% | 970 |
| Total risk-based capital ratio | 23.8524% | 999 |
| Memoranda: | ||
| Average total assets | $277,162,500 | 2,349 |
| Average earning assets | $259,662,000 | 2,319 |
| Average equity | $26,950,500 | 2,581 |
| Average total loans | $78,601,000 | 3,846 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7260% | 5,678 |
| Cost of funding earning assets | 0.3658% | 3,359 |
| Net interest margin | 2.3601% | 5,677 |
| Noninterest income to average assets | 1.3119% | 663 |
| Noninterest expense to average assets | 2.7322% | 3,249 |
| Loan and lease loss provision to assets | 0.0118% | 4,142 |
| Net operating income to assets | 0.7606% | 3,484 |
| Return on assets (ROA) | 1.3894% | 1,064 |
| Pretax return on assets | 1.3990% | 1,944 |
| Return on Equity (ROE) | 13.9897% | 777 |
| Retained earnings to average equity (ytd only) | 9.1229% | 565 |
| Net charge-offs to loans | 0.0026% | 4,177 |
| Credit loss provision to net charge-offs | 1,600.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 1,055.0000% | 71 |
| Efficiency ratio | 75.7519% | 2,019 |
| Assets per employee ($millions) | 4.1557% | 3,695 |
| Cash dividends to net income (ytd only)* | 34.7884% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 3,999 |
| Loan loss allowance to noncurrent loans | 106.1404% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 3,413 |
| Noncurrent loans to loans | 0.9914% | 2,109 |
| Net loans and leases to total assets | 28.6054% | 5,667 |
| Net loans and leases to deposits | 33.4834% | 5,686 |
| Net loans and leases to core deposits | 35.5567% | 5,682 |
| Total domestic deposits to total assets | 85.4315% | 2,865 |
| Equity capital to assets | 9.6240% | 4,149 |
| Core capital (leverage) ratio | 8.6258% | 5,145 |
| Tier 1 risk-based capital ratio | 20.8154% | 1,246 |
| Total risk-based capital ratio | 21.5476% | 1,297 |
| Memoranda: | ||
| Average total assets | $272,050,400 | 2,344 |
| Average earning assets | $253,120,800 | 2,337 |
| Average equity | $27,019,800 | 2,567 |
| Average total loans | $77,351,000 | 3,866 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8200% | 5,706 |
| Cost of funding earning assets | 0.3628% | 3,411 |
| Net interest margin | 2.4572% | 5,683 |
| Noninterest income to average assets | 1.4568% | 567 |
| Noninterest expense to average assets | 2.7533% | 3,166 |
| Loan and lease loss provision to assets | 0.0158% | 3,929 |
| Net operating income to assets | 0.9633% | 2,601 |
| Return on assets (ROA) | 1.7003% | 626 |
| Pretax return on assets | 1.7082% | 1,092 |
| Return on Equity (ROE) | 16.9840% | 448 |
| Retained earnings to average equity (ytd only) | 12.2074% | 281 |
| Net charge-offs to loans | 0.0052% | 3,723 |
| Credit loss provision to net charge-offs | 1,066.6667% | 383 |
| Earnings coverage of net charge-offs (x) | 667.3175% | 141 |
| Efficiency ratio | 71.6225% | 2,627 |
| Assets per employee ($millions) | 4.2019% | 3,589 |
| Cash dividends to net income (ytd only)* | 28.1241% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 3,968 |
| Loan loss allowance to noncurrent loans | 127.6018% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 3,773 |
| Noncurrent loans to loans | 0.8438% | 2,572 |
| Net loans and leases to total assets | 27.6077% | 5,764 |
| Net loans and leases to deposits | 32.2569% | 5,783 |
| Net loans and leases to core deposits | 34.1307% | 5,780 |
| Total domestic deposits to total assets | 85.5868% | 2,562 |
| Equity capital to assets | 10.1358% | 3,997 |
| Core capital (leverage) ratio | 8.8155% | 5,037 |
| Tier 1 risk-based capital ratio | 19.2614% | 1,607 |
| Total risk-based capital ratio | 19.9374% | 1,709 |
| Memoranda: | ||
| Average total assets | $270,455,500 | 2,369 |
| Average earning assets | $251,338,750 | 2,362 |
| Average equity | $27,075,750 | 2,582 |
| Average total loans | $76,565,500 | 3,916 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9110% | 5,727 |
| Cost of funding earning assets | 0.3657% | 3,401 |
| Net interest margin | 2.5453% | 5,712 |
| Noninterest income to average assets | 1.6861% | 438 |
| Noninterest expense to average assets | 2.8182% | 2,968 |
| Loan and lease loss provision to assets | 0.0240% | 3,651 |
| Net operating income to assets | 1.1966% | 1,616 |
| Return on assets (ROA) | 1.3525% | 1,232 |
| Pretax return on assets | 1.3600% | 2,166 |
| Return on Equity (ROE) | 13.5694% | 913 |
| Retained earnings to average equity (ytd only) | 8.6802% | 941 |
| Net charge-offs to loans | -0.0264% | 5,066 |
| Credit loss provision to net charge-offs | -320.0000% | 4,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8406% | 3,376 |
| Assets per employee ($millions) | 4.2855% | 3,395 |
| Cash dividends to net income (ytd only)* | 36.0310% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 3,766 |
| Loan loss allowance to noncurrent loans | 106.5757% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 3,554 |
| Noncurrent loans to loans | 1.0631% | 2,164 |
| Net loans and leases to total assets | 26.9092% | 5,850 |
| Net loans and leases to deposits | 31.8038% | 5,856 |
| Net loans and leases to core deposits | 32.5549% | 5,864 |
| Total domestic deposits to total assets | 84.6101% | 3,046 |
| Equity capital to assets | 10.2822% | 3,882 |
| Core capital (leverage) ratio | 8.5513% | 5,320 |
| Tier 1 risk-based capital ratio | 18.7051% | 1,756 |
| Total risk-based capital ratio | 19.4108% | 1,855 |
| Memoranda: | ||
| Average total assets | $266,765,000 | 2,414 |
| Average earning assets | $247,196,670 | 2,406 |
| Average equity | $26,589,330 | 2,627 |
| Average total loans | $75,897,670 | 3,953 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9464% | 5,738 |
| Cost of funding earning assets | 0.3697% | 3,399 |
| Net interest margin | 2.5767% | 5,742 |
| Noninterest income to average assets | 2.3751% | 269 |
| Noninterest expense to average assets | 2.8689% | 2,817 |
| Loan and lease loss provision to assets | 0.0368% | 3,176 |
| Net operating income to assets | 1.8553% | 435 |
| Return on assets (ROA) | 1.9995% | 350 |
| Pretax return on assets | 2.0071% | 556 |
| Return on Equity (ROE) | 20.4045% | 217 |
| Retained earnings to average equity (ytd only) | 14.3019% | 300 |
| Net charge-offs to loans | 0.0105% | 2,767 |
| Credit loss provision to net charge-offs | 1,200.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 619.5000% | 83 |
| Efficiency ratio | 58.5852% | 4,932 |
| Assets per employee ($millions) | 3.8929% | 4,128 |
| Cash dividends to net income (ytd only)* | 29.9080% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 4,022 |
| Loan loss allowance to noncurrent loans | 92.9125% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 3,364 |
| Noncurrent loans to loans | 1.1900% | 2,035 |
| Net loans and leases to total assets | 28.7718% | 5,853 |
| Net loans and leases to deposits | 34.0997% | 5,867 |
| Net loans and leases to core deposits | 34.9310% | 5,877 |
| Total domestic deposits to total assets | 84.3753% | 3,366 |
| Equity capital to assets | 10.0872% | 3,964 |
| Core capital (leverage) ratio | 8.7624% | 5,108 |
| Tier 1 risk-based capital ratio | 18.1405% | 1,948 |
| Total risk-based capital ratio | 18.8161% | 2,073 |
| Memoranda: | ||
| Average total assets | $260,868,000 | 2,455 |
| Average earning assets | $242,329,500 | 2,447 |
| Average equity | $25,563,000 | 2,702 |
| Average total loans | $75,938,000 | 3,969 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9792% | 5,745 |
| Cost of funding earning assets | 0.3746% | 3,431 |
| Net interest margin | 2.6046% | 5,753 |
| Noninterest income to average assets | 1.0035% | 1,175 |
| Noninterest expense to average assets | 2.7722% | 3,343 |
| Loan and lease loss provision to assets | 0.0226% | 3,931 |
| Net operating income to assets | 0.6260% | 4,155 |
| Return on assets (ROA) | 0.7754% | 3,515 |
| Pretax return on assets | 0.7799% | 4,259 |
| Return on Equity (ROE) | 8.3947% | 2,763 |
| Retained earnings to average equity (ytd only) | 2.8622% | 4,027 |
| Net charge-offs to loans | 0.0547% | 3,113 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 43.2000% | 1,103 |
| Efficiency ratio | 79.0395% | 1,811 |
| Assets per employee ($millions) | 4.1414% | 3,676 |
| Cash dividends to net income (ytd only)* | 65.9047% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 4,178 |
| Loan loss allowance to noncurrent loans | 89.0949% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 3,445 |
| Noncurrent loans to loans | 1.2067% | 1,955 |
| Net loans and leases to total assets | 28.8129% | 5,923 |
| Net loans and leases to deposits | 33.9924% | 5,934 |
| Net loans and leases to core deposits | 35.1268% | 5,944 |
| Total domestic deposits to total assets | 84.7626% | 3,189 |
| Equity capital to assets | 9.5113% | 4,538 |
| Core capital (leverage) ratio | 8.2052% | 5,695 |
| Tier 1 risk-based capital ratio | 17.2539% | 2,197 |
| Total risk-based capital ratio | 17.9061% | 2,367 |
| Memoranda: | ||
| Average total assets | $265,166,600 | 2,379 |
| Average earning assets | $246,410,800 | 2,372 |
| Average equity | $24,491,600 | 2,735 |
| Average total loans | $73,106,400 | 4,020 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9591% | 5,844 |
| Cost of funding earning assets | 0.3733% | 3,507 |
| Net interest margin | 2.5858% | 5,849 |
| Noninterest income to average assets | 0.9320% | 1,368 |
| Noninterest expense to average assets | 2.8005% | 3,185 |
| Loan and lease loss provision to assets | 0.0225% | 3,822 |
| Net operating income to assets | 0.5103% | 4,751 |
| Return on assets (ROA) | 0.7086% | 3,974 |
| Pretax return on assets | 0.7131% | 4,642 |
| Return on Equity (ROE) | 7.7287% | 3,218 |
| Retained earnings to average equity (ytd only) | 1.5567% | 5,087 |
| Net charge-offs to loans | 0.0829% | 2,361 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 23.7550% | 1,721 |
| Efficiency ratio | 81.9697% | 1,399 |
| Assets per employee ($millions) | 4.3435% | 3,252 |
| Cash dividends to net income (ytd only)* | 79.8587% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 4,414 |
| Loan loss allowance to noncurrent loans | 84.9680% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 3,722 |
| Noncurrent loans to loans | 1.2507% | 2,034 |
| Net loans and leases to total assets | 27.1156% | 6,046 |
| Net loans and leases to deposits | 31.5187% | 6,058 |
| Net loans and leases to core deposits | 31.8758% | 6,070 |
| Total domestic deposits to total assets | 86.0302% | 2,509 |
| Equity capital to assets | 8.9062% | 5,390 |
| Core capital (leverage) ratio | 7.8252% | 5,971 |
| Tier 1 risk-based capital ratio | 17.2447% | 2,280 |
| Total risk-based capital ratio | 17.8931% | 2,465 |
| Memoranda: | ||
| Average total assets | $266,230,500 | 2,392 |
| Average earning assets | $247,504,000 | 2,385 |
| Average equity | $24,410,500 | 2,764 |
| Average total loans | $72,384,750 | 4,070 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9790% | 5,878 |
| Cost of funding earning assets | 0.3772% | 3,531 |
| Net interest margin | 2.6019% | 5,883 |
| Noninterest income to average assets | 0.9675% | 1,246 |
| Noninterest expense to average assets | 2.8071% | 3,207 |
| Loan and lease loss provision to assets | 0.0227% | 3,677 |
| Net operating income to assets | 0.5512% | 4,554 |
| Return on assets (ROA) | 0.6991% | 4,017 |
| Pretax return on assets | 0.7037% | 4,637 |
| Return on Equity (ROE) | 7.5501% | 3,291 |
| Retained earnings to average equity (ytd only) | 1.6132% | 4,892 |
| Net charge-offs to loans | 0.1342% | 1,694 |
| Credit loss provision to net charge-offs | 62.5000% | 2,564 |
| Earnings coverage of net charge-offs (x) | 15.8542% | 1,945 |
| Efficiency ratio | 80.8873% | 1,634 |
| Assets per employee ($millions) | 3.8452% | 4,180 |
| Cash dividends to net income (ytd only)* | 78.6334% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 4,429 |
| Loan loss allowance to noncurrent loans | 93.8554% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 3,850 |
| Noncurrent loans to loans | 1.1528% | 2,338 |
| Net loans and leases to total assets | 26.4600% | 6,125 |
| Net loans and leases to deposits | 30.7256% | 6,138 |
| Net loans and leases to core deposits | 31.0244% | 6,148 |
| Total domestic deposits to total assets | 86.1172% | 2,630 |
| Equity capital to assets | 8.8118% | 5,427 |
| Core capital (leverage) ratio | 7.9837% | 5,938 |
| Tier 1 risk-based capital ratio | 17.4881% | 2,227 |
| Total risk-based capital ratio | 18.1335% | 2,404 |
| Memoranda: | ||
| Average total assets | $263,760,670 | 2,426 |
| Average earning assets | $244,978,670 | 2,421 |
| Average equity | $24,423,670 | 2,772 |
| Average total loans | $71,514,330 | 4,123 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0364% | 5,859 |
| Cost of funding earning assets | 0.3798% | 3,527 |
| Net interest margin | 2.6566% | 5,852 |
| Noninterest income to average assets | 0.9500% | 1,232 |
| Noninterest expense to average assets | 2.7932% | 3,274 |
| Loan and lease loss provision to assets | 0.0230% | 3,411 |
| Net operating income to assets | 0.5964% | 4,307 |
| Return on assets (ROA) | 0.7814% | 3,487 |
| Pretax return on assets | 0.7860% | 4,290 |
| Return on Equity (ROE) | 8.2336% | 2,838 |
| Retained earnings to average equity (ytd only) | 2.1795% | 4,593 |
| Net charge-offs to loans | 0.0954% | 1,769 |
| Credit loss provision to net charge-offs | 88.2353% | 1,756 |
| Earnings coverage of net charge-offs (x) | 23.8824% | 1,312 |
| Efficiency ratio | 79.5424% | 1,952 |
| Assets per employee ($millions) | 3.9655% | 4,031 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 4,272 |
| Loan loss allowance to noncurrent loans | 62.9454% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 3,370 |
| Noncurrent loans to loans | 1.8223% | 1,483 |
| Net loans and leases to total assets | 26.1770% | 6,182 |
| Net loans and leases to deposits | 30.5385% | 6,187 |
| Net loans and leases to core deposits | 31.4326% | 6,196 |
| Total domestic deposits to total assets | 85.7179% | 3,085 |
| Equity capital to assets | 9.6284% | 4,598 |
| Core capital (leverage) ratio | 8.0679% | 5,902 |
| Tier 1 risk-based capital ratio | 17.1246% | 2,434 |
| Total risk-based capital ratio | 17.7714% | 2,618 |
| Memoranda: | ||
| Average total assets | $261,060,500 | 2,464 |
| Average earning assets | $242,261,000 | 2,453 |
| Average equity | $24,776,500 | 2,767 |
| Average total loans | $71,272,000 | 4,151 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2069% | 5,829 |
| Cost of funding earning assets | 0.4090% | 3,598 |
| Net interest margin | 2.7979% | 5,810 |
| Noninterest income to average assets | 0.9914% | 1,234 |
| Noninterest expense to average assets | 2.7616% | 3,631 |
| Loan and lease loss provision to assets | 0.0470% | 3,631 |
| Net operating income to assets | 0.7675% | 3,528 |
| Return on assets (ROA) | 0.8618% | 3,152 |
| Pretax return on assets | 0.8665% | 4,016 |
| Return on Equity (ROE) | 9.6618% | 2,267 |
| Retained earnings to average equity (ytd only) | 3.0303% | 4,084 |
| Net charge-offs to loans | 0.0691% | 3,490 |
| Credit loss provision to net charge-offs | 244.8980% | 1,040 |
| Earnings coverage of net charge-offs (x) | 42.6327% | 1,029 |
| Efficiency ratio | 75.4459% | 2,605 |
| Assets per employee ($millions) | 3.8293% | 4,293 |
| Cash dividends to net income (ytd only)* | 68.6364% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 4,596 |
| Loan loss allowance to noncurrent loans | 61.1196% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7262% | 3,395 |
| Noncurrent loans to loans | 1.7805% | 1,615 |
| Net loans and leases to total assets | 27.8193% | 6,241 |
| Net loans and leases to deposits | 32.2822% | 6,250 |
| Net loans and leases to core deposits | 33.5152% | 6,250 |
| Total domestic deposits to total assets | 86.1752% | 2,734 |
| Equity capital to assets | 9.3523% | 4,911 |
| Core capital (leverage) ratio | 8.1013% | 5,932 |
| Tier 1 risk-based capital ratio | 18.2809% | 2,059 |
| Total risk-based capital ratio | 18.9803% | 2,193 |
| Memoranda: | ||
| Average total assets | $255,289,800 | 2,482 |
| Average earning assets | $236,176,800 | 2,458 |
| Average equity | $22,770,000 | 2,871 |
| Average total loans | $70,870,400 | 4,151 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2306% | 5,868 |
| Cost of funding earning assets | 0.4123% | 3,656 |
| Net interest margin | 2.8183% | 5,848 |
| Noninterest income to average assets | 1.0031% | 1,221 |
| Noninterest expense to average assets | 2.7930% | 3,489 |
| Loan and lease loss provision to assets | 0.0472% | 3,435 |
| Net operating income to assets | 0.7643% | 3,602 |
| Return on assets (ROA) | 0.8734% | 3,149 |
| Pretax return on assets | 0.8781% | 4,083 |
| Return on Equity (ROE) | 9.9159% | 2,258 |
| Retained earnings to average equity (ytd only) | 2.1095% | 5,000 |
| Net charge-offs to loans | 0.0664% | 3,251 |
| Credit loss provision to net charge-offs | 257.1429% | 1,026 |
| Earnings coverage of net charge-offs (x) | 44.3670% | 1,056 |
| Efficiency ratio | 75.9820% | 2,494 |
| Assets per employee ($millions) | 3.9439% | 3,999 |
| Cash dividends to net income (ytd only)* | 78.7259% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 4,678 |
| Loan loss allowance to noncurrent loans | 184.6336% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 4,638 |
| Noncurrent loans to loans | 0.6044% | 4,118 |
| Net loans and leases to total assets | 26.5879% | 6,346 |
| Net loans and leases to deposits | 30.9593% | 6,359 |
| Net loans and leases to core deposits | 32.6253% | 6,350 |
| Total domestic deposits to total assets | 85.8803% | 2,912 |
| Equity capital to assets | 9.1999% | 5,148 |
| Core capital (leverage) ratio | 7.9457% | 6,108 |
| Tier 1 risk-based capital ratio | 18.9236% | 1,922 |
| Total risk-based capital ratio | 19.6448% | 2,054 |
| Memoranda: | ||
| Average total assets | $254,013,500 | 2,508 |
| Average earning assets | $234,792,750 | 2,489 |
| Average equity | $22,374,250 | 2,916 |
| Average total loans | $70,278,750 | 4,211 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2527% | 5,869 |
| Cost of funding earning assets | 0.4154% | 3,703 |
| Net interest margin | 2.8373% | 5,841 |
| Noninterest income to average assets | 0.9868% | 1,239 |
| Noninterest expense to average assets | 2.7977% | 3,520 |
| Loan and lease loss provision to assets | 0.0476% | 3,356 |
| Net operating income to assets | 0.7572% | 3,532 |
| Return on assets (ROA) | 0.8955% | 2,930 |
| Pretax return on assets | 0.9003% | 3,888 |
| Return on Equity (ROE) | 10.3249% | 2,000 |
| Retained earnings to average equity (ytd only) | 1.9497% | 4,903 |
| Net charge-offs to loans | 0.0824% | 2,866 |
| Credit loss provision to net charge-offs | 206.8966% | 1,133 |
| Earnings coverage of net charge-offs (x) | 35.1034% | 1,155 |
| Efficiency ratio | 75.7596% | 2,676 |
| Assets per employee ($millions) | 3.9151% | 4,024 |
| Cash dividends to net income (ytd only)* | 81.1170% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 4,919 |
| Loan loss allowance to noncurrent loans | 249.0132% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 4,804 |
| Noncurrent loans to loans | 0.4408% | 4,662 |
| Net loans and leases to total assets | 26.3967% | 6,407 |
| Net loans and leases to deposits | 30.8660% | 6,412 |
| Net loans and leases to core deposits | 31.2875% | 6,428 |
| Total domestic deposits to total assets | 85.5203% | 3,276 |
| Equity capital to assets | 9.1820% | 5,124 |
| Core capital (leverage) ratio | 8.1164% | 6,011 |
| Tier 1 risk-based capital ratio | 19.0325% | 1,918 |
| Total risk-based capital ratio | 19.7404% | 2,026 |
| Memoranda: | ||
| Average total assets | $251,919,670 | 2,526 |
| Average earning assets | $232,542,670 | 2,522 |
| Average equity | $21,850,000 | 2,964 |
| Average total loans | $70,375,670 | 4,224 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2997% | 5,841 |
| Cost of funding earning assets | 0.4199% | 3,758 |
| Net interest margin | 2.8798% | 5,792 |
| Noninterest income to average assets | 1.0455% | 1,024 |
| Noninterest expense to average assets | 2.8711% | 3,311 |
| Loan and lease loss provision to assets | 0.0483% | 3,130 |
| Net operating income to assets | 0.7801% | 3,251 |
| Return on assets (ROA) | 1.0391% | 2,120 |
| Pretax return on assets | 1.0439% | 3,153 |
| Return on Equity (ROE) | 12.3565% | 1,324 |
| Retained earnings to average equity (ytd only) | 2.5057% | 4,567 |
| Net charge-offs to loans | -0.0169% | 5,269 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0326% | 2,965 |
| Assets per employee ($millions) | 4.1468% | 3,628 |
| Cash dividends to net income (ytd only)* | 79.7214% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 4,995 |
| Loan loss allowance to noncurrent loans | 121.2460% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 4,547 |
| Noncurrent loans to loans | 0.9302% | 3,559 |
| Net loans and leases to total assets | 26.3033% | 6,461 |
| Net loans and leases to deposits | 30.6660% | 6,469 |
| Net loans and leases to core deposits | 31.4175% | 6,471 |
| Total domestic deposits to total assets | 85.7736% | 3,483 |
| Equity capital to assets | 8.6708% | 5,469 |
| Core capital (leverage) ratio | 8.1102% | 6,032 |
| Tier 1 risk-based capital ratio | 18.8758% | 2,004 |
| Total risk-based capital ratio | 19.5826% | 2,133 |
| Memoranda: | ||
| Average total assets | $248,681,500 | 2,570 |
| Average earning assets | $229,596,500 | 2,560 |
| Average equity | $20,912,000 | 3,064 |
| Average total loans | $71,081,000 | 4,231 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9687% | 6,374 |
| Cost of funding earning assets | 0.4534% | 4,080 |
| Net interest margin | 2.5153% | 6,361 |
| Noninterest income to average assets | 1.1715% | 1,025 |
| Noninterest expense to average assets | 2.8161% | 3,673 |
| Loan and lease loss provision to assets | 0.0654% | 3,820 |
| Net operating income to assets | 0.6008% | 4,257 |
| Return on assets (ROA) | 0.9831% | 2,471 |
| Pretax return on assets | 0.9884% | 3,398 |
| Return on Equity (ROE) | 11.1410% | 1,720 |
| Retained earnings to average equity (ytd only) | 3.1302% | 4,009 |
| Net charge-offs to loans | 0.1046% | 3,783 |
| Credit loss provision to net charge-offs | 228.5714% | 1,001 |
| Earnings coverage of net charge-offs (x) | 23.3429% | 1,413 |
| Efficiency ratio | 79.3221% | 2,265 |
| Assets per employee ($millions) | 3.7032% | 4,468 |
| Cash dividends to net income (ytd only)* | 71.9036% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 5,702 |
| Loan loss allowance to noncurrent loans | 87.0504% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 4,779 |
| Noncurrent loans to loans | 1.1140% | 3,312 |
| Net loans and leases to total assets | 30.3351% | 6,448 |
| Net loans and leases to deposits | 34.6178% | 6,470 |
| Net loans and leases to core deposits | 36.0051% | 6,470 |
| Total domestic deposits to total assets | 87.6286% | 2,407 |
| Equity capital to assets | 8.1384% | 5,910 |
| Core capital (leverage) ratio | 8.2758% | 5,902 |
| Tier 1 risk-based capital ratio | 18.0990% | 2,217 |
| Total risk-based capital ratio | 18.7516% | 2,392 |
| Memoranda: | ||
| Average total assets | $244,734,800 | 2,581 |
| Average earning assets | $224,980,600 | 2,568 |
| Average equity | $21,596,000 | 2,972 |
| Average total loans | $66,941,000 | 4,379 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8156% | 6,566 |
| Cost of funding earning assets | 0.4577% | 4,189 |
| Net interest margin | 2.3579% | 6,550 |
| Noninterest income to average assets | 1.1889% | 1,040 |
| Noninterest expense to average assets | 2.8641% | 3,428 |
| Loan and lease loss provision to assets | 0.0708% | 3,650 |
| Net operating income to assets | 0.4196% | 5,163 |
| Return on assets (ROA) | 0.9291% | 2,802 |
| Pretax return on assets | 0.9346% | 3,742 |
| Return on Equity (ROE) | 10.3287% | 2,057 |
| Retained earnings to average equity (ytd only) | 2.4883% | 4,834 |
| Net charge-offs to loans | 0.1170% | 3,379 |
| Credit loss provision to net charge-offs | 228.0702% | 1,067 |
| Earnings coverage of net charge-offs (x) | 15.8066% | 1,840 |
| Efficiency ratio | 83.2630% | 1,679 |
| Assets per employee ($millions) | 3.6322% | 4,595 |
| Cash dividends to net income (ytd only)* | 75.9084% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 5,474 |
| Loan loss allowance to noncurrent loans | 73.7773% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 4,850 |
| Noncurrent loans to loans | 1.4398% | 3,004 |
| Net loans and leases to total assets | 26.7367% | 6,633 |
| Net loans and leases to deposits | 30.2356% | 6,664 |
| Net loans and leases to core deposits | 31.3922% | 6,655 |
| Total domestic deposits to total assets | 88.4279% | 1,876 |
| Equity capital to assets | 8.2926% | 5,923 |
| Core capital (leverage) ratio | 8.1496% | 6,108 |
| Tier 1 risk-based capital ratio | 19.0195% | 1,987 |
| Total risk-based capital ratio | 19.6979% | 2,131 |
| Memoranda: | ||
| Average total assets | $244,816,000 | 2,592 |
| Average earning assets | $224,883,750 | 2,578 |
| Average equity | $22,022,250 | 2,960 |
| Average total loans | $64,959,250 | 4,487 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6740% | 6,670 |
| Cost of funding earning assets | 0.4616% | 4,294 |
| Net interest margin | 2.2125% | 6,676 |
| Noninterest income to average assets | 1.2159% | 1,039 |
| Noninterest expense to average assets | 2.9260% | 3,254 |
| Loan and lease loss provision to assets | 0.0819% | 3,426 |
| Net operating income to assets | 0.2435% | 5,787 |
| Return on assets (ROA) | 0.9079% | 2,889 |
| Pretax return on assets | 0.9136% | 3,856 |
| Return on Equity (ROE) | 9.8333% | 2,266 |
| Retained earnings to average equity (ytd only) | 2.4672% | 4,735 |
| Net charge-offs to loans | 0.0839% | 3,530 |
| Credit loss provision to net charge-offs | 370.3704% | 699 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,809 |
| Efficiency ratio | 86.9423% | 1,320 |
| Assets per employee ($millions) | 3.7826% | 4,248 |
| Cash dividends to net income (ytd only)* | 74.9097% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 5,402 |
| Loan loss allowance to noncurrent loans | 70.1980% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 4,966 |
| Noncurrent loans to loans | 1.5807% | 2,939 |
| Net loans and leases to total assets | 25.3094% | 6,702 |
| Net loans and leases to deposits | 29.7033% | 6,705 |
| Net loans and leases to core deposits | 30.4062% | 6,712 |
| Total domestic deposits to total assets | 85.2075% | 3,794 |
| Equity capital to assets | 8.2919% | 5,976 |
| Core capital (leverage) ratio | 8.0721% | 6,128 |
| Tier 1 risk-based capital ratio | 19.0844% | 1,974 |
| Total risk-based capital ratio | 19.7696% | 2,094 |
| Memoranda: | ||
| Average total assets | $244,091,330 | 2,617 |
| Average earning assets | $224,454,330 | 2,593 |
| Average equity | $22,535,670 | 2,925 |
| Average total loans | $64,363,670 | 4,524 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6548% | 6,755 |
| Cost of funding earning assets | 0.4692% | 4,379 |
| Net interest margin | 2.1856% | 6,765 |
| Noninterest income to average assets | 1.1819% | 1,074 |
| Noninterest expense to average assets | 2.9323% | 3,221 |
| Loan and lease loss provision to assets | 0.0995% | 3,021 |
| Net operating income to assets | 0.1577% | 6,014 |
| Return on assets (ROA) | 0.8371% | 3,109 |
| Pretax return on assets | 0.8437% | 3,983 |
| Return on Equity (ROE) | 8.6130% | 2,661 |
| Retained earnings to average equity (ytd only) | 1.3644% | 5,298 |
| Net charge-offs to loans | 0.0619% | 3,197 |
| Credit loss provision to net charge-offs | 600.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,397 |
| Efficiency ratio | 91.9439% | 990 |
| Assets per employee ($millions) | 3.5908% | 4,802 |
| Cash dividends to net income (ytd only)* | 84.1584% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 5,544 |
| Loan loss allowance to noncurrent loans | 59.1379% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 4,881 |
| Noncurrent loans to loans | 1.8848% | 2,754 |
| Net loans and leases to total assets | 25.2959% | 6,747 |
| Net loans and leases to deposits | 29.2992% | 6,762 |
| Net loans and leases to core deposits | 29.9282% | 6,766 |
| Total domestic deposits to total assets | 86.3366% | 3,338 |
| Equity capital to assets | 9.7043% | 4,559 |
| Core capital (leverage) ratio | 8.2060% | 5,926 |
| Tier 1 risk-based capital ratio | 19.0017% | 2,042 |
| Total risk-based capital ratio | 19.6685% | 2,192 |
| Memoranda: | ||
| Average total assets | $241,310,000 | 2,659 |
| Average earning assets | $221,636,500 | 2,653 |
| Average equity | $23,453,000 | 2,860 |
| Average total loans | $64,598,000 | 4,537 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1255% | 6,710 |
| Cost of funding earning assets | 0.6043% | 4,308 |
| Net interest margin | 2.5212% | 6,701 |
| Noninterest income to average assets | 1.2735% | 954 |
| Noninterest expense to average assets | 2.8474% | 3,849 |
| Loan and lease loss provision to assets | 0.1282% | 4,007 |
| Net operating income to assets | 0.5833% | 4,313 |
| Return on assets (ROA) | 0.9553% | 2,772 |
| Pretax return on assets | 0.9654% | 3,681 |
| Return on Equity (ROE) | 10.2245% | 2,080 |
| Retained earnings to average equity (ytd only) | 1.4754% | 5,129 |
| Net charge-offs to loans | 1.6107% | 530 |
| Credit loss provision to net charge-offs | 28.7736% | 5,136 |
| Earnings coverage of net charge-offs (x) | 1.6113% | 4,641 |
| Efficiency ratio | 77.2250% | 2,558 |
| Assets per employee ($millions) | 3.5594% | 4,883 |
| Cash dividends to net income (ytd only)* | 85.5697% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 6,161 |
| Loan loss allowance to noncurrent loans | 59.8307% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5933% | 4,994 |
| Noncurrent loans to loans | 1.5713% | 3,264 |
| Net loans and leases to total assets | 27.6884% | 6,766 |
| Net loans and leases to deposits | 31.6007% | 6,798 |
| Net loans and leases to core deposits | 32.3636% | 6,802 |
| Total domestic deposits to total assets | 87.6196% | 2,469 |
| Equity capital to assets | 9.7337% | 4,552 |
| Core capital (leverage) ratio | 8.0647% | 6,126 |
| Tier 1 risk-based capital ratio | 17.9708% | 2,269 |
| Total risk-based capital ratio | 18.5576% | 2,499 |
| Memoranda: | ||
| Average total assets | $237,934,800 | 2,657 |
| Average earning assets | $216,282,200 | 2,656 |
| Average equity | $22,231,000 | 2,943 |
| Average total loans | $65,810,200 | 4,512 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2361% | 6,771 |
| Cost of funding earning assets | 0.6294% | 4,371 |
| Net interest margin | 2.6068% | 6,749 |
| Noninterest income to average assets | 1.2297% | 987 |
| Noninterest expense to average assets | 2.8843% | 3,661 |
| Loan and lease loss provision to assets | 0.1463% | 3,710 |
| Net operating income to assets | 0.5547% | 4,604 |
| Return on assets (ROA) | 1.0378% | 2,544 |
| Pretax return on assets | 1.0530% | 3,524 |
| Return on Equity (ROE) | 11.2270% | 1,877 |
| Retained earnings to average equity (ytd only) | 1.8813% | 5,398 |
| Net charge-offs to loans | 1.5343% | 554 |
| Credit loss provision to net charge-offs | 34.5745% | 4,721 |
| Earnings coverage of net charge-offs (x) | 1.6809% | 4,431 |
| Efficiency ratio | 77.4300% | 2,464 |
| Assets per employee ($millions) | 3.8583% | 4,181 |
| Cash dividends to net income (ytd only)* | 83.2430% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 4,477 |
| Loan loss allowance to noncurrent loans | 62.4739% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 4,604 |
| Noncurrent loans to loans | 2.2033% | 2,618 |
| Net loans and leases to total assets | 25.6836% | 6,929 |
| Net loans and leases to deposits | 29.5439% | 6,960 |
| Net loans and leases to core deposits | 30.8355% | 6,953 |
| Total domestic deposits to total assets | 86.9337% | 2,712 |
| Equity capital to assets | 9.4174% | 5,308 |
| Core capital (leverage) ratio | 8.1168% | 6,214 |
| Tier 1 risk-based capital ratio | 18.2970% | 2,232 |
| Total risk-based capital ratio | 19.1424% | 2,356 |
| Memoranda: | ||
| Average total assets | $236,909,500 | 2,689 |
| Average earning assets | $215,025,000 | 2,697 |
| Average equity | $21,899,000 | 3,012 |
| Average total loans | $65,349,750 | 4,584 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3771% | 6,743 |
| Cost of funding earning assets | 0.6608% | 4,355 |
| Net interest margin | 2.7162% | 6,692 |
| Noninterest income to average assets | 1.2416% | 928 |
| Noninterest expense to average assets | 2.9275% | 3,514 |
| Loan and lease loss provision to assets | 0.1464% | 3,688 |
| Net operating income to assets | 0.6258% | 4,246 |
| Return on assets (ROA) | 1.2020% | 1,905 |
| Pretax return on assets | 1.2166% | 2,851 |
| Return on Equity (ROE) | 13.0920% | 1,336 |
| Retained earnings to average equity (ytd only) | 2.5415% | 4,915 |
| Net charge-offs to loans | 2.4662% | 290 |
| Credit loss provision to net charge-offs | 21.0918% | 4,584 |
| Earnings coverage of net charge-offs (x) | 1.1253% | 4,452 |
| Efficiency ratio | 76.2712% | 2,704 |
| Assets per employee ($millions) | 3.6675% | 4,598 |
| Cash dividends to net income (ytd only)* | 80.5874% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,371 |
| Loan loss allowance to noncurrent loans | 55.0292% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 0.8704% | 4,635 |
| Noncurrent loans to loans | 2.1741% | 2,740 |
| Net loans and leases to total assets | 26.1560% | 6,971 |
| Net loans and leases to deposits | 30.2856% | 7,002 |
| Net loans and leases to core deposits | 30.9661% | 7,009 |
| Total domestic deposits to total assets | 86.3643% | 3,155 |
| Equity capital to assets | 9.2311% | 5,430 |
| Core capital (leverage) ratio | 8.3660% | 5,836 |
| Tier 1 risk-based capital ratio | 18.7151% | 2,062 |
| Total risk-based capital ratio | 19.4427% | 2,203 |
| Memoranda: | ||
| Average total assets | $232,282,670 | 2,729 |
| Average earning assets | $210,953,000 | 2,751 |
| Average equity | $21,326,000 | 3,069 |
| Average total loans | $65,362,670 | 4,590 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 6,706 |
| Cost of funding earning assets | 0.6833% | 4,426 |
| Net interest margin | 2.8123% | 6,617 |
| Noninterest income to average assets | 1.2721% | 873 |
| Noninterest expense to average assets | 3.0031% | 3,233 |
| Loan and lease loss provision to assets | 0.0698% | 4,538 |
| Net operating income to assets | 0.7364% | 3,705 |
| Return on assets (ROA) | 1.2546% | 1,760 |
| Pretax return on assets | 1.2651% | 2,670 |
| Return on Equity (ROE) | 13.7044% | 1,252 |
| Retained earnings to average equity (ytd only) | 1.7917% | 5,351 |
| Net charge-offs to loans | 4.3014% | 129 |
| Credit loss provision to net charge-offs | 5.5944% | 3,949 |
| Earnings coverage of net charge-offs (x) | 0.6503% | 4,009 |
| Efficiency ratio | 76.1665% | 2,763 |
| Assets per employee ($millions) | 3.5322% | 5,044 |
| Cash dividends to net income (ytd only)* | 86.9263% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 5,805 |
| Loan loss allowance to noncurrent loans | 56.9157% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 4,676 |
| Noncurrent loans to loans | 1.9851% | 3,183 |
| Net loans and leases to total assets | 26.8761% | 7,005 |
| Net loans and leases to deposits | 30.8307% | 7,034 |
| Net loans and leases to core deposits | 31.5825% | 7,045 |
| Total domestic deposits to total assets | 87.1734% | 2,851 |
| Equity capital to assets | 9.1140% | 5,338 |
| Core capital (leverage) ratio | 8.6165% | 5,419 |
| Tier 1 risk-based capital ratio | 18.8247% | 2,042 |
| Total risk-based capital ratio | 19.5252% | 2,184 |
| Memoranda: | ||
| Average total assets | $229,229,500 | 2,774 |
| Average earning assets | $207,236,000 | 2,808 |
| Average equity | $20,986,000 | 3,109 |
| Average total loans | $66,490,000 | 4,568 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 5,895 |
| Cost of funding earning assets | 0.8376% | 4,566 |
| Net interest margin | 3.4197% | 5,426 |
| Noninterest income to average assets | 0.9527% | 1,500 |
| Noninterest expense to average assets | 3.2523% | 2,682 |
| Loan and lease loss provision to assets | 0.2316% | 3,886 |
| Net operating income to assets | 0.5403% | 4,273 |
| Return on assets (ROA) | 0.9826% | 2,408 |
| Pretax return on assets | 0.9826% | 3,309 |
| Return on Equity (ROE) | 10.7447% | 1,785 |
| Retained earnings to average equity (ytd only) | 3.6822% | 3,591 |
| Net charge-offs to loans | 1.1067% | 1,556 |
| Credit loss provision to net charge-offs | 63.9606% | 5,058 |
| Earnings coverage of net charge-offs (x) | 2.1316% | 4,188 |
| Efficiency ratio | 78.4615% | 2,531 |
| Assets per employee ($millions) | 3.3137% | 5,470 |
| Cash dividends to net income (ytd only)* | 65.7298% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9983% | 2,285 |
| Loan loss allowance to noncurrent loans | 75.0675% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.5568% | 3,612 |
| Noncurrent loans to loans | 2.6620% | 2,441 |
| Net loans and leases to total assets | 30.2742% | 6,998 |
| Net loans and leases to deposits | 35.9959% | 7,000 |
| Net loans and leases to core deposits | 36.8620% | 7,021 |
| Total domestic deposits to total assets | 84.1045% | 4,279 |
| Equity capital to assets | 9.1975% | 5,289 |
| Core capital (leverage) ratio | 8.5360% | 5,504 |
| Tier 1 risk-based capital ratio | 18.1012% | 2,157 |
| Total risk-based capital ratio | 19.3501% | 2,134 |
| Memoranda: | ||
| Average total assets | $224,516,000 | 2,790 |
| Average earning assets | $201,655,800 | 2,830 |
| Average equity | $20,531,000 | 3,063 |
| Average total loans | $73,464,400 | 4,366 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 5,637 |
| Cost of funding earning assets | 0.8667% | 4,658 |
| Net interest margin | 3.5240% | 5,086 |
| Noninterest income to average assets | 1.0776% | 1,153 |
| Noninterest expense to average assets | 3.2181% | 2,775 |
| Loan and lease loss provision to assets | 0.2378% | 3,626 |
| Net operating income to assets | 0.7828% | 3,240 |
| Return on assets (ROA) | 1.1062% | 2,088 |
| Pretax return on assets | 1.1062% | 2,984 |
| Return on Equity (ROE) | 12.1141% | 1,525 |
| Retained earnings to average equity (ytd only) | 5.3117% | 2,985 |
| Net charge-offs to loans | 0.8330% | 1,909 |
| Credit loss provision to net charge-offs | 86.0215% | 3,922 |
| Earnings coverage of net charge-offs (x) | 3.6925% | 3,333 |
| Efficiency ratio | 73.8466% | 3,212 |
| Assets per employee ($millions) | 3.3200% | 5,442 |
| Cash dividends to net income (ytd only)* | 56.1527% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2544% | 1,763 |
| Loan loss allowance to noncurrent loans | 62.9227% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 2.0035% | 3,135 |
| Noncurrent loans to loans | 3.5828% | 1,920 |
| Net loans and leases to total assets | 30.2052% | 7,080 |
| Net loans and leases to deposits | 35.0404% | 7,096 |
| Net loans and leases to core deposits | 36.4431% | 7,108 |
| Total domestic deposits to total assets | 86.2012% | 3,089 |
| Equity capital to assets | 9.2450% | 5,454 |
| Core capital (leverage) ratio | 8.3169% | 5,952 |
| Tier 1 risk-based capital ratio | 17.8335% | 2,318 |
| Total risk-based capital ratio | 19.0896% | 2,281 |
| Memoranda: | ||
| Average total assets | $224,311,500 | 2,799 |
| Average earning assets | $201,208,250 | 2,843 |
| Average equity | $20,482,500 | 3,078 |
| Average total loans | $74,428,250 | 4,370 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 5,458 |
| Cost of funding earning assets | 0.8943% | 4,716 |
| Net interest margin | 3.5733% | 4,823 |
| Noninterest income to average assets | 1.0766% | 1,124 |
| Noninterest expense to average assets | 3.3220% | 2,488 |
| Loan and lease loss provision to assets | 0.2166% | 3,756 |
| Net operating income to assets | 0.7436% | 3,324 |
| Return on assets (ROA) | 1.0053% | 2,306 |
| Pretax return on assets | 1.0053% | 3,217 |
| Return on Equity (ROE) | 11.0580% | 1,778 |
| Retained earnings to average equity (ytd only) | 3.6628% | 3,892 |
| Net charge-offs to loans | 0.7304% | 2,047 |
| Credit loss provision to net charge-offs | 87.2727% | 3,540 |
| Earnings coverage of net charge-offs (x) | 3.8691% | 3,028 |
| Efficiency ratio | 74.9420% | 3,191 |
| Assets per employee ($millions) | 3.2692% | 5,482 |
| Cash dividends to net income (ytd only)* | 66.8761% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2947% | 1,751 |
| Loan loss allowance to noncurrent loans | 38.7909% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 3.0624% | 2,194 |
| Noncurrent loans to loans | 5.9155% | 1,019 |
| Net loans and leases to total assets | 31.1260% | 7,141 |
| Net loans and leases to deposits | 36.6964% | 7,159 |
| Net loans and leases to core deposits | 37.4366% | 7,185 |
| Total domestic deposits to total assets | 84.8203% | 3,957 |
| Equity capital to assets | 9.3547% | 5,063 |
| Core capital (leverage) ratio | 8.4056% | 5,698 |
| Tier 1 risk-based capital ratio | 16.8980% | 2,567 |
| Total risk-based capital ratio | 18.1591% | 2,530 |
| Memoranda: | ||
| Average total assets | $221,616,330 | 2,843 |
| Average earning assets | $198,805,670 | 2,887 |
| Average equity | $20,148,330 | 3,104 |
| Average total loans | $75,299,330 | 4,375 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 5,431 |
| Cost of funding earning assets | 0.9127% | 4,831 |
| Net interest margin | 3.5615% | 4,764 |
| Noninterest income to average assets | 1.0308% | 1,240 |
| Noninterest expense to average assets | 3.3492% | 2,406 |
| Loan and lease loss provision to assets | 0.2185% | 3,468 |
| Net operating income to assets | 0.6611% | 3,702 |
| Return on assets (ROA) | 1.0053% | 2,219 |
| Pretax return on assets | 1.0053% | 3,117 |
| Return on Equity (ROE) | 11.2244% | 1,669 |
| Retained earnings to average equity (ytd only) | 2.4807% | 4,665 |
| Net charge-offs to loans | 1.0958% | 1,257 |
| Credit loss provision to net charge-offs | 56.8720% | 3,603 |
| Earnings coverage of net charge-offs (x) | 2.2891% | 3,166 |
| Efficiency ratio | 75.9259% | 3,175 |
| Assets per employee ($millions) | 3.0884% | 5,968 |
| Cash dividends to net income (ytd only)* | 77.8986% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1756% | 2,019 |
| Loan loss allowance to noncurrent loans | 29.4400% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 3.2631% | 2,104 |
| Noncurrent loans to loans | 7.3900% | 705 |
| Net loans and leases to total assets | 32.2116% | 7,159 |
| Net loans and leases to deposits | 37.4169% | 7,184 |
| Net loans and leases to core deposits | 38.2465% | 7,215 |
| Total domestic deposits to total assets | 86.0883% | 3,476 |
| Equity capital to assets | 8.7909% | 5,512 |
| Core capital (leverage) ratio | 8.4637% | 5,522 |
| Tier 1 risk-based capital ratio | 16.8422% | 2,534 |
| Total risk-based capital ratio | 18.1033% | 2,497 |
| Memoranda: | ||
| Average total assets | $219,636,000 | 2,887 |
| Average earning assets | $197,223,000 | 2,921 |
| Average equity | $19,671,500 | 3,162 |
| Average total loans | $77,018,000 | 4,356 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 6,264 |
| Cost of funding earning assets | 1.2446% | 4,251 |
| Net interest margin | 3.3017% | 5,971 |
| Noninterest income to average assets | 1.3804% | 765 |
| Noninterest expense to average assets | 3.4363% | 2,339 |
| Loan and lease loss provision to assets | 0.5570% | 2,902 |
| Net operating income to assets | 0.3676% | 4,686 |
| Return on assets (ROA) | 0.4323% | 4,548 |
| Pretax return on assets | 0.4323% | 4,843 |
| Return on Equity (ROE) | 4.8474% | 4,137 |
| Retained earnings to average equity (ytd only) | -3.7471% | 6,186 |
| Net charge-offs to loans | 0.4949% | 3,651 |
| Credit loss provision to net charge-offs | 283.8710% | 960 |
| Earnings coverage of net charge-offs (x) | 4.7120% | 2,833 |
| Efficiency ratio | 77.5220% | 2,786 |
| Assets per employee ($millions) | 3.0126% | 6,075 |
| Cash dividends to net income (ytd only)* | 177.3013% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0838% | 2,108 |
| Loan loss allowance to noncurrent loans | 26.2183% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 3.8943% | 1,751 |
| Noncurrent loans to loans | 7.9478% | 656 |
| Net loans and leases to total assets | 36.4819% | 7,139 |
| Net loans and leases to deposits | 42.4552% | 7,170 |
| Net loans and leases to core deposits | 43.4616% | 7,218 |
| Total domestic deposits to total assets | 85.9302% | 3,394 |
| Equity capital to assets | 9.1261% | 4,949 |
| Core capital (leverage) ratio | 8.1356% | 5,937 |
| Tier 1 risk-based capital ratio | 15.9007% | 2,794 |
| Total risk-based capital ratio | 17.1615% | 2,748 |
| Memoranda: | ||
| Average total assets | $221,167,200 | 2,852 |
| Average earning assets | $199,655,200 | 2,884 |
| Average equity | $19,722,000 | 3,181 |
| Average total loans | $87,702,000 | 4,112 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 6,385 |
| Cost of funding earning assets | 1.2707% | 4,432 |
| Net interest margin | 3.3110% | 5,980 |
| Noninterest income to average assets | 1.1603% | 1,038 |
| Noninterest expense to average assets | 3.4156% | 2,247 |
| Loan and lease loss provision to assets | 0.2070% | 4,989 |
| Net operating income to assets | 0.5268% | 4,194 |
| Return on assets (ROA) | 0.7901% | 3,208 |
| Pretax return on assets | 0.7901% | 3,950 |
| Return on Equity (ROE) | 8.9118% | 2,520 |
| Retained earnings to average equity (ytd only) | 0.3857% | 5,636 |
| Net charge-offs to loans | 0.1774% | 4,891 |
| Credit loss provision to net charge-offs | 289.9160% | 1,110 |
| Earnings coverage of net charge-offs (x) | 10.2775% | 1,904 |
| Efficiency ratio | 81.1596% | 2,174 |
| Assets per employee ($millions) | 3.2048% | 5,669 |
| Cash dividends to net income (ytd only)* | 95.6719% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 4,817 |
| Loan loss allowance to noncurrent loans | 22.8103% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 2.9483% | 2,459 |
| Noncurrent loans to loans | 5.8152% | 1,112 |
| Net loans and leases to total assets | 35.8489% | 7,270 |
| Net loans and leases to deposits | 43.3918% | 7,257 |
| Net loans and leases to core deposits | 44.9353% | 7,291 |
| Total domestic deposits to total assets | 82.6168% | 4,744 |
| Equity capital to assets | 9.0012% | 5,579 |
| Core capital (leverage) ratio | 8.3295% | 5,819 |
| Tier 1 risk-based capital ratio | 16.0075% | 2,760 |
| Total risk-based capital ratio | 16.9590% | 2,862 |
| Memoranda: | ||
| Average total assets | $222,232,750 | 2,882 |
| Average earning assets | $200,621,250 | 2,910 |
| Average equity | $19,703,750 | 3,227 |
| Average total loans | $89,423,750 | 4,133 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 6,027 |
| Cost of funding earning assets | 1.3309% | 4,326 |
| Net interest margin | 3.4042% | 5,629 |
| Noninterest income to average assets | 1.2762% | 792 |
| Noninterest expense to average assets | 3.4422% | 2,160 |
| Loan and lease loss provision to assets | 0.2142% | 4,746 |
| Net operating income to assets | 0.6883% | 3,458 |
| Return on assets (ROA) | 0.9863% | 2,328 |
| Pretax return on assets | 0.9863% | 3,169 |
| Return on Equity (ROE) | 11.1844% | 1,691 |
| Retained earnings to average equity (ytd only) | 2.3981% | 4,632 |
| Net charge-offs to loans | 0.1534% | 4,717 |
| Credit loss provision to net charge-offs | 335.7143% | 1,082 |
| Earnings coverage of net charge-offs (x) | 14.1429% | 1,542 |
| Efficiency ratio | 78.1158% | 2,712 |
| Assets per employee ($millions) | 3.0681% | 6,001 |
| Cash dividends to net income (ytd only)* | 78.5582% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 5,423 |
| Loan loss allowance to noncurrent loans | 18.5939% | 7,007 |
| Noncurrent assets plus other real estate owned to assets | 3.3811% | 2,080 |
| Noncurrent loans to loans | 6.4859% | 925 |
| Net loans and leases to total assets | 38.9382% | 7,223 |
| Net loans and leases to deposits | 47.2405% | 7,197 |
| Net loans and leases to core deposits | 48.3986% | 7,268 |
| Total domestic deposits to total assets | 82.4254% | 4,812 |
| Equity capital to assets | 9.0193% | 5,416 |
| Core capital (leverage) ratio | 8.6690% | 5,131 |
| Tier 1 risk-based capital ratio | 15.7690% | 2,767 |
| Total risk-based capital ratio | 16.6470% | 2,921 |
| Memoranda: | ||
| Average total assets | $219,395,000 | 2,945 |
| Average earning assets | $197,757,000 | 2,979 |
| Average equity | $19,348,330 | 3,261 |
| Average total loans | $91,287,670 | 4,119 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9814% | 5,103 |
| Cost of funding earning assets | 1.3669% | 4,377 |
| Net interest margin | 3.6145% | 4,660 |
| Noninterest income to average assets | 1.2331% | 807 |
| Noninterest expense to average assets | 3.4193% | 2,183 |
| Loan and lease loss provision to assets | 0.2195% | 4,305 |
| Net operating income to assets | 0.8452% | 2,772 |
| Return on assets (ROA) | 1.0080% | 2,211 |
| Pretax return on assets | 1.0080% | 3,061 |
| Return on Equity (ROE) | 11.5632% | 1,623 |
| Retained earnings to average equity (ytd only) | 3.6935% | 3,941 |
| Net charge-offs to loans | 0.1670% | 3,925 |
| Credit loss provision to net charge-offs | 307.6923% | 1,279 |
| Earnings coverage of net charge-offs (x) | 14.9231% | 1,401 |
| Efficiency ratio | 75.1530% | 3,367 |
| Assets per employee ($millions) | 2.7672% | 6,717 |
| Cash dividends to net income (ytd only)* | 68.0581% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 6,108 |
| Loan loss allowance to noncurrent loans | 23.2564% | 6,842 |
| Noncurrent assets plus other real estate owned to assets | 2.8915% | 2,481 |
| Noncurrent loans to loans | 4.6394% | 1,596 |
| Net loans and leases to total assets | 41.0751% | 7,172 |
| Net loans and leases to deposits | 50.0610% | 7,120 |
| Net loans and leases to core deposits | 51.0447% | 7,241 |
| Total domestic deposits to total assets | 82.0502% | 5,056 |
| Equity capital to assets | 8.8403% | 5,480 |
| Core capital (leverage) ratio | 8.7179% | 4,991 |
| Tier 1 risk-based capital ratio | 15.0586% | 3,095 |
| Total risk-based capital ratio | 15.8342% | 3,295 |
| Memoranda: | ||
| Average total assets | $218,640,500 | 3,006 |
| Average earning assets | $196,653,500 | 3,038 |
| Average equity | $19,060,500 | 3,317 |
| Average total loans | $93,398,500 | 4,133 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4014% | 4,693 |
| Cost of funding earning assets | 1.7304% | 4,357 |
| Net interest margin | 3.6710% | 4,251 |
| Noninterest income to average assets | 1.2158% | 1,034 |
| Noninterest expense to average assets | 3.2666% | 3,131 |
| Loan and lease loss provision to assets | 0.3417% | 4,748 |
| Net operating income to assets | 0.9522% | 1,999 |
| Return on assets (ROA) | 1.0556% | 1,686 |
| Pretax return on assets | 1.0556% | 2,391 |
| Return on Equity (ROE) | 14.1049% | 766 |
| Retained earnings to average equity (ytd only) | 6.8523% | 1,018 |
| Net charge-offs to loans | 0.6312% | 3,315 |
| Credit loss provision to net charge-offs | 120.7055% | 4,428 |
| Earnings coverage of net charge-offs (x) | 4.5706% | 2,903 |
| Efficiency ratio | 70.6084% | 4,507 |
| Assets per employee ($millions) | 2.8758% | 6,502 |
| Cash dividends to net income (ytd only)* | 51.4192% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 6,763 |
| Loan loss allowance to noncurrent loans | 21.0351% | 7,016 |
| Noncurrent assets plus other real estate owned to assets | 2.5443% | 2,750 |
| Noncurrent loans to loans | 4.3345% | 1,658 |
| Net loans and leases to total assets | 43.4822% | 7,147 |
| Net loans and leases to deposits | 53.3449% | 7,091 |
| Net loans and leases to core deposits | 61.2209% | 7,219 |
| Total domestic deposits to total assets | 81.5115% | 5,149 |
| Equity capital to assets | 8.5983% | 5,729 |
| Core capital (leverage) ratio | 8.3060% | 5,603 |
| Tier 1 risk-based capital ratio | 14.1234% | 3,425 |
| Total risk-based capital ratio | 14.7972% | 3,739 |
| Memoranda: | ||
| Average total assets | $230,297,800 | 2,820 |
| Average earning assets | $209,835,400 | 2,837 |
| Average equity | $17,235,200 | 3,625 |
| Average total loans | $103,290,800 | 3,863 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4415% | 4,732 |
| Cost of funding earning assets | 1.7898% | 4,421 |
| Net interest margin | 3.6517% | 4,268 |
| Noninterest income to average assets | 1.2203% | 1,032 |
| Noninterest expense to average assets | 3.2519% | 3,117 |
| Loan and lease loss provision to assets | 0.3825% | 4,032 |
| Net operating income to assets | 0.9261% | 2,321 |
| Return on assets (ROA) | 1.0339% | 2,017 |
| Pretax return on assets | 1.0339% | 2,796 |
| Return on Equity (ROE) | 14.3228% | 871 |
| Retained earnings to average equity (ytd only) | 4.3929% | 2,817 |
| Net charge-offs to loans | 0.7708% | 2,431 |
| Credit loss provision to net charge-offs | 110.0660% | 4,621 |
| Earnings coverage of net charge-offs (x) | 3.7657% | 3,392 |
| Efficiency ratio | 70.3005% | 4,534 |
| Assets per employee ($millions) | 3.0141% | 6,128 |
| Cash dividends to net income (ytd only)* | 69.3291% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 7,114 |
| Loan loss allowance to noncurrent loans | 21.6707% | 7,001 |
| Noncurrent assets plus other real estate owned to assets | 2.2391% | 3,050 |
| Noncurrent loans to loans | 3.6957% | 2,020 |
| Net loans and leases to total assets | 42.7800% | 7,321 |
| Net loans and leases to deposits | 52.1736% | 7,296 |
| Net loans and leases to core deposits | 61.5970% | 7,336 |
| Total domestic deposits to total assets | 81.9956% | 4,681 |
| Equity capital to assets | 7.4348% | 7,350 |
| Core capital (leverage) ratio | 7.6111% | 6,845 |
| Tier 1 risk-based capital ratio | 12.6064% | 4,467 |
| Total risk-based capital ratio | 13.1976% | 4,954 |
| Memoranda: | ||
| Average total assets | $232,512,250 | 2,811 |
| Average earning assets | $212,681,250 | 2,820 |
| Average equity | $16,784,000 | 3,751 |
| Average total loans | $104,820,250 | 3,856 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5355% | 4,412 |
| Cost of funding earning assets | 1.8898% | 4,316 |
| Net interest margin | 3.6457% | 4,190 |
| Noninterest income to average assets | 1.2933% | 912 |
| Noninterest expense to average assets | 3.2307% | 3,232 |
| Loan and lease loss provision to assets | 0.2176% | 4,867 |
| Net operating income to assets | 1.1811% | 1,532 |
| Return on assets (ROA) | 1.4030% | 1,092 |
| Pretax return on assets | 1.4030% | 1,716 |
| Return on Equity (ROE) | 19.6347% | 361 |
| Retained earnings to average equity (ytd only) | 9.2434% | 879 |
| Net charge-offs to loans | 0.4832% | 2,895 |
| Credit loss provision to net charge-offs | 98.4375% | 4,662 |
| Earnings coverage of net charge-offs (x) | 6.3281% | 2,644 |
| Efficiency ratio | 68.7803% | 5,012 |
| Assets per employee ($millions) | 2.7201% | 6,795 |
| Cash dividends to net income (ytd only)* | 52.9231% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 7,343 |
| Loan loss allowance to noncurrent loans | 119.5200% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 6,235 |
| Noncurrent loans to loans | 0.6155% | 6,022 |
| Net loans and leases to total assets | 44.6488% | 7,288 |
| Net loans and leases to deposits | 55.9084% | 7,171 |
| Net loans and leases to core deposits | 65.3235% | 7,242 |
| Total domestic deposits to total assets | 79.8606% | 5,523 |
| Equity capital to assets | 7.0966% | 7,552 |
| Core capital (leverage) ratio | 7.7103% | 6,740 |
| Tier 1 risk-based capital ratio | 12.2710% | 4,702 |
| Total risk-based capital ratio | 12.7947% | 5,266 |
| Memoranda: | ||
| Average total assets | $231,650,330 | 2,839 |
| Average earning assets | $211,978,000 | 2,842 |
| Average equity | $16,552,330 | 3,803 |
| Average total loans | $105,964,670 | 3,856 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5072% | 4,878 |
| Cost of funding earning assets | 2.0069% | 4,092 |
| Net interest margin | 3.5003% | 4,738 |
| Noninterest income to average assets | 1.3845% | 740 |
| Noninterest expense to average assets | 3.0811% | 3,446 |
| Loan and lease loss provision to assets | 0.0631% | 6,162 |
| Net operating income to assets | 1.4374% | 1,064 |
| Return on assets (ROA) | 1.6522% | 779 |
| Pretax return on assets | 1.6522% | 1,284 |
| Return on Equity (ROE) | 23.0474% | 264 |
| Retained earnings to average equity (ytd only) | 11.9875% | 786 |
| Net charge-offs to loans | 0.1183% | 4,024 |
| Credit loss provision to net charge-offs | 115.6250% | 3,373 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,130 |
| Efficiency ratio | 66.2449% | 5,281 |
| Assets per employee ($millions) | 2.8705% | 6,471 |
| Cash dividends to net income (ytd only)* | 47.9876% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7155% | 7,396 |
| Loan loss allowance to noncurrent loans | 70.6542% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 5,489 |
| Noncurrent loans to loans | 1.0127% | 4,976 |
| Net loans and leases to total assets | 45.6800% | 7,213 |
| Net loans and leases to deposits | 55.8614% | 7,168 |
| Net loans and leases to core deposits | 68.1352% | 7,126 |
| Total domestic deposits to total assets | 81.7739% | 4,643 |
| Equity capital to assets | 7.4037% | 7,418 |
| Core capital (leverage) ratio | 7.4323% | 7,233 |
| Tier 1 risk-based capital ratio | 11.8123% | 5,113 |
| Total risk-based capital ratio | 12.3311% | 5,732 |
| Memoranda: | ||
| Average total assets | $234,590,000 | 2,824 |
| Average earning assets | $214,266,000 | 2,836 |
| Average equity | $16,817,500 | 3,762 |
| Average total loans | $108,171,500 | 3,830 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9206% | 5,942 |
| Cost of funding earning assets | 2.4076% | 4,691 |
| Net interest margin | 3.5130% | 5,254 |
| Noninterest income to average assets | 1.0214% | 1,520 |
| Noninterest expense to average assets | 3.0776% | 3,791 |
| Loan and lease loss provision to assets | 0.0525% | 6,760 |
| Net operating income to assets | 1.0800% | 2,224 |
| Return on assets (ROA) | 1.0983% | 2,069 |
| Pretax return on assets | 1.0983% | 3,028 |
| Return on Equity (ROE) | 13.8225% | 1,142 |
| Retained earnings to average equity (ytd only) | 2.1799% | 3,866 |
| Net charge-offs to loans | 0.0349% | 6,319 |
| Credit loss provision to net charge-offs | 315.7895% | 1,430 |
| Earnings coverage of net charge-offs (x) | 68.1316% | 598 |
| Efficiency ratio | 71.9896% | 3,938 |
| Assets per employee ($millions) | 2.9212% | 6,246 |
| Cash dividends to net income (ytd only)* | 84.2294% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6785% | 7,483 |
| Loan loss allowance to noncurrent loans | 77.5026% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 5,318 |
| Noncurrent loans to loans | 0.8754% | 4,863 |
| Net loans and leases to total assets | 45.8948% | 7,342 |
| Net loans and leases to deposits | 55.9907% | 7,321 |
| Net loans and leases to core deposits | 72.1780% | 7,070 |
| Total domestic deposits to total assets | 81.9685% | 4,214 |
| Equity capital to assets | 6.9438% | 7,762 |
| Core capital (leverage) ratio | 7.1767% | 7,546 |
| Tier 1 risk-based capital ratio | 11.3262% | 5,412 |
| Total risk-based capital ratio | 11.8361% | 6,020 |
| Memoranda: | ||
| Average total assets | $228,617,200 | 2,782 |
| Average earning assets | $207,512,400 | 2,803 |
| Average equity | $18,166,000 | 3,533 |
| Average total loans | $109,001,600 | 3,702 |