Home > The Rockport National Bank > Performance and Condition Ratios
The Rockport National Bank, Performance and Condition Ratios
| 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 | 4.0969% | 3,355 |
| Cost of funding earning assets | 0.2490% | 5,498 |
| Net interest margin | 3.8479% | 2,383 |
| Noninterest income to average assets | 0.4752% | 3,669 |
| Noninterest expense to average assets | 3.4811% | 1,511 |
| Loan and lease loss provision to assets | 0.0502% | 3,297 |
| Net operating income to assets | 0.3617% | 5,365 |
| Return on assets (ROA) | 0.3617% | 5,436 |
| Pretax return on assets | 0.5616% | 5,092 |
| Return on Equity (ROE) | 4.0547% | 5,121 |
| Retained earnings to average equity (ytd only) | 2.4666% | 4,636 |
| Net charge-offs to loans | 0.0356% | 3,501 |
| Credit loss provision to net charge-offs | 192.3077% | 1,211 |
| Earnings coverage of net charge-offs (x) | 23.4231% | 1,473 |
| Efficiency ratio | 85.0515% | 1,376 |
| Assets per employee ($millions) | 4.1084% | 3,626 |
| Cash dividends to net income (ytd only)* | 39.1667% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 4,779 |
| Loan loss allowance to noncurrent loans | 197.0379% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 4,750 |
| Noncurrent loans to loans | 0.5724% | 4,302 |
| Net loans and leases to total assets | 72.4229% | 1,664 |
| Net loans and leases to deposits | 80.3926% | 2,464 |
| Net loans and leases to core deposits | 81.8582% | 2,989 |
| Total domestic deposits to total assets | 90.0865% | 766 |
| Equity capital to assets | 8.8733% | 5,438 |
| Core capital (leverage) ratio | 9.1213% | 4,851 |
| Tier 1 risk-based capital ratio | 13.3655% | 4,675 |
| Total risk-based capital ratio | 14.6926% | 4,564 |
| Memoranda: | ||
| Average total assets | $199,074,670 | 3,045 |
| Average earning assets | $187,168,000 | 2,988 |
| Average equity | $17,757,330 | 3,442 |
| Average total loans | $146,094,330 | 2,639 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 3,372 |
| Cost of funding earning assets | 0.2493% | 5,587 |
| Net interest margin | 3.8269% | 2,360 |
| Noninterest income to average assets | 0.4749% | 3,604 |
| Noninterest expense to average assets | 3.2573% | 2,051 |
| Loan and lease loss provision to assets | 0.0606% | 2,891 |
| Net operating income to assets | 0.4688% | 4,849 |
| Return on assets (ROA) | 0.4688% | 4,922 |
| Pretax return on assets | 0.7557% | 4,288 |
| Return on Equity (ROE) | 5.2416% | 4,428 |
| Retained earnings to average equity (ytd only) | 3.6375% | 3,950 |
| Net charge-offs to loans | 0.0660% | 2,496 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 16.8333% | 1,491 |
| Efficiency ratio | 79.9603% | 2,218 |
| Assets per employee ($millions) | 3.9182% | 4,107 |
| Cash dividends to net income (ytd only)* | 30.6034% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 4,978 |
| Loan loss allowance to noncurrent loans | 552.0134% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 5,781 |
| Noncurrent loans to loans | 0.2049% | 5,481 |
| Net loans and leases to total assets | 73.4095% | 1,368 |
| Net loans and leases to deposits | 81.9775% | 2,042 |
| Net loans and leases to core deposits | 83.3969% | 2,584 |
| Total domestic deposits to total assets | 89.5484% | 1,348 |
| Equity capital to assets | 9.0791% | 5,022 |
| Core capital (leverage) ratio | 9.1619% | 4,774 |
| Tier 1 risk-based capital ratio | 13.4175% | 4,754 |
| Total risk-based capital ratio | 14.7346% | 4,634 |
| Memoranda: | ||
| Average total assets | $197,956,000 | 3,075 |
| Average earning assets | $186,158,000 | 3,017 |
| Average equity | $17,704,500 | 3,454 |
| Average total loans | $145,412,000 | 2,650 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 3,575 |
| Cost of funding earning assets | 0.2919% | 5,659 |
| Net interest margin | 3.8491% | 2,470 |
| Noninterest income to average assets | 0.5765% | 3,235 |
| Noninterest expense to average assets | 3.3953% | 1,892 |
| Loan and lease loss provision to assets | 0.0506% | 4,123 |
| Net operating income to assets | 0.4625% | 4,896 |
| Return on assets (ROA) | 0.5046% | 4,845 |
| Pretax return on assets | 0.8068% | 4,118 |
| Return on Equity (ROE) | 5.8129% | 4,201 |
| Retained earnings to average equity (ytd only) | 3.8014% | 3,498 |
| Net charge-offs to loans | 0.0021% | 5,440 |
| Credit loss provision to net charge-offs | 3,333.3333% | 67 |
| Earnings coverage of net charge-offs (x) | 521.3333% | 71 |
| Efficiency ratio | 81.0928% | 2,013 |
| Assets per employee ($millions) | 4.0816% | 3,694 |
| Cash dividends to net income (ytd only)* | 34.6038% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 5,010 |
| Loan loss allowance to noncurrent loans | 410.7769% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 5,702 |
| Noncurrent loans to loans | 0.2745% | 5,352 |
| Net loans and leases to total assets | 71.8610% | 1,705 |
| Net loans and leases to deposits | 79.9517% | 2,463 |
| Net loans and leases to core deposits | 81.2976% | 2,977 |
| Total domestic deposits to total assets | 89.8805% | 1,142 |
| Equity capital to assets | 8.8110% | 5,245 |
| Core capital (leverage) ratio | 8.7281% | 5,382 |
| Tier 1 risk-based capital ratio | 13.3520% | 4,746 |
| Total risk-based capital ratio | 14.6678% | 4,657 |
| Memoranda: | ||
| Average total assets | $197,567,800 | 3,058 |
| Average earning assets | $185,315,600 | 3,019 |
| Average equity | $17,151,400 | 3,540 |
| Average total loans | $142,805,600 | 2,660 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 3,532 |
| Cost of funding earning assets | 0.2989% | 5,750 |
| Net interest margin | 3.8598% | 2,424 |
| Noninterest income to average assets | 0.5619% | 3,380 |
| Noninterest expense to average assets | 3.3542% | 1,929 |
| Loan and lease loss provision to assets | 0.0542% | 3,954 |
| Net operating income to assets | 0.4771% | 4,900 |
| Return on assets (ROA) | 0.5334% | 4,809 |
| Pretax return on assets | 0.8604% | 4,049 |
| Return on Equity (ROE) | 6.1680% | 4,095 |
| Retained earnings to average equity (ytd only) | 4.5086% | 3,467 |
| Net charge-offs to loans | 0.0403% | 4,338 |
| Credit loss provision to net charge-offs | 186.0465% | 1,298 |
| Earnings coverage of net charge-offs (x) | 28.3963% | 1,285 |
| Efficiency ratio | 80.2299% | 2,060 |
| Assets per employee ($millions) | 4.1807% | 3,466 |
| Cash dividends to net income (ytd only)* | 26.9036% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,254 |
| Loan loss allowance to noncurrent loans | 570.0361% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 6,045 |
| Noncurrent loans to loans | 0.1965% | 5,747 |
| Net loans and leases to total assets | 66.6694% | 2,530 |
| Net loans and leases to deposits | 73.8403% | 3,257 |
| Net loans and leases to core deposits | 75.0192% | 3,730 |
| Total domestic deposits to total assets | 90.2886% | 845 |
| Equity capital to assets | 8.2996% | 5,915 |
| Core capital (leverage) ratio | 8.6848% | 5,558 |
| Tier 1 risk-based capital ratio | 13.7720% | 4,586 |
| Total risk-based capital ratio | 15.0736% | 4,509 |
| Memoranda: | ||
| Average total assets | $196,959,750 | 3,090 |
| Average earning assets | $184,669,250 | 3,044 |
| Average equity | $17,033,750 | 3,596 |
| Average total loans | $142,166,750 | 2,678 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 3,162 |
| Cost of funding earning assets | 0.3182% | 5,681 |
| Net interest margin | 3.9297% | 2,114 |
| Noninterest income to average assets | 0.5598% | 3,443 |
| Noninterest expense to average assets | 3.4778% | 1,659 |
| Loan and lease loss provision to assets | 0.0518% | 3,951 |
| Net operating income to assets | 0.4341% | 5,088 |
| Return on assets (ROA) | 0.5204% | 4,884 |
| Pretax return on assets | 0.8386% | 4,164 |
| Return on Equity (ROE) | 5.9308% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.2650% | 3,583 |
| Net charge-offs to loans | 0.0589% | 3,858 |
| Credit loss provision to net charge-offs | 119.0476% | 1,870 |
| Earnings coverage of net charge-offs (x) | 17.3571% | 1,610 |
| Efficiency ratio | 82.1499% | 1,868 |
| Assets per employee ($millions) | 4.0324% | 3,726 |
| Cash dividends to net income (ytd only)* | 28.0876% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 5,532 |
| Loan loss allowance to noncurrent loans | 176.1364% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 5,160 |
| Noncurrent loans to loans | 0.6110% | 4,729 |
| Net loans and leases to total assets | 72.1065% | 1,561 |
| Net loans and leases to deposits | 80.1901% | 2,293 |
| Net loans and leases to core deposits | 81.7828% | 2,823 |
| Total domestic deposits to total assets | 89.9194% | 1,071 |
| Equity capital to assets | 8.6534% | 5,607 |
| Core capital (leverage) ratio | 8.9964% | 4,996 |
| Tier 1 risk-based capital ratio | 13.4087% | 4,830 |
| Total risk-based capital ratio | 14.6486% | 4,790 |
| Memoranda: | ||
| Average total assets | $192,935,330 | 3,150 |
| Average earning assets | $180,369,670 | 3,106 |
| Average equity | $16,928,670 | 3,631 |
| Average total loans | $142,575,670 | 2,679 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 2,874 |
| Cost of funding earning assets | 0.3372% | 5,660 |
| Net interest margin | 3.9673% | 1,899 |
| Noninterest income to average assets | 0.5582% | 3,379 |
| Noninterest expense to average assets | 3.6640% | 1,307 |
| Loan and lease loss provision to assets | 0.0630% | 3,583 |
| Net operating income to assets | 0.3379% | 5,407 |
| Return on assets (ROA) | 0.3379% | 5,547 |
| Pretax return on assets | 0.5351% | 5,158 |
| Return on Equity (ROE) | 3.8233% | 5,179 |
| Retained earnings to average equity (ytd only) | 2.3272% | 4,858 |
| Net charge-offs to loans | 0.0479% | 3,363 |
| Credit loss provision to net charge-offs | 176.4706% | 1,201 |
| Earnings coverage of net charge-offs (x) | 16.7647% | 1,351 |
| Efficiency ratio | 85.9675% | 1,522 |
| Assets per employee ($millions) | 3.9029% | 4,153 |
| Cash dividends to net income (ytd only)* | 39.1304% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,602 |
| Loan loss allowance to noncurrent loans | 189.8657% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 5,055 |
| Noncurrent loans to loans | 0.5802% | 4,993 |
| Net loans and leases to total assets | 71.5338% | 1,428 |
| Net loans and leases to deposits | 79.5213% | 2,150 |
| Net loans and leases to core deposits | 80.9968% | 2,697 |
| Total domestic deposits to total assets | 89.9556% | 1,078 |
| Equity capital to assets | 8.6710% | 5,843 |
| Core capital (leverage) ratio | 9.1027% | 4,713 |
| Tier 1 risk-based capital ratio | 13.4754% | 4,890 |
| Total risk-based capital ratio | 14.7945% | 4,796 |
| Memoranda: | ||
| Average total assets | $190,609,500 | 3,213 |
| Average earning assets | $177,953,000 | 3,174 |
| Average equity | $16,844,000 | 3,691 |
| Average total loans | $141,852,000 | 2,700 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5919% | 3,034 |
| Cost of funding earning assets | 0.3780% | 6,063 |
| Net interest margin | 4.2139% | 1,621 |
| Noninterest income to average assets | 0.5971% | 3,294 |
| Noninterest expense to average assets | 3.4382% | 1,969 |
| Loan and lease loss provision to assets | 0.0646% | 4,954 |
| Net operating income to assets | 0.6342% | 4,066 |
| Return on assets (ROA) | 0.6342% | 4,333 |
| Pretax return on assets | 1.0197% | 3,472 |
| Return on Equity (ROE) | 7.1964% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.7344% | 2,894 |
| Net charge-offs to loans | 0.0967% | 4,697 |
| Credit loss provision to net charge-offs | 90.9091% | 3,434 |
| Earnings coverage of net charge-offs (x) | 15.2576% | 1,666 |
| Efficiency ratio | 76.0238% | 2,738 |
| Assets per employee ($millions) | 3.7974% | 4,369 |
| Cash dividends to net income (ytd only)* | 34.2105% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 5,623 |
| Loan loss allowance to noncurrent loans | 202.6281% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 5,124 |
| Noncurrent loans to loans | 0.5338% | 5,193 |
| Net loans and leases to total assets | 75.7829% | 947 |
| Net loans and leases to deposits | 84.6452% | 1,678 |
| Net loans and leases to core deposits | 86.3172% | 2,271 |
| Total domestic deposits to total assets | 89.5300% | 1,229 |
| Equity capital to assets | 9.0109% | 5,509 |
| Core capital (leverage) ratio | 9.2035% | 4,576 |
| Tier 1 risk-based capital ratio | 13.3485% | 4,858 |
| Total risk-based capital ratio | 14.6182% | 4,801 |
| Memoranda: | ||
| Average total assets | $185,738,400 | 3,227 |
| Average earning assets | $173,022,400 | 3,192 |
| Average equity | $16,369,400 | 3,730 |
| Average total loans | $136,568,200 | 2,766 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 3,223 |
| Cost of funding earning assets | 0.3845% | 6,199 |
| Net interest margin | 4.2106% | 1,705 |
| Noninterest income to average assets | 0.5587% | 3,549 |
| Noninterest expense to average assets | 3.3186% | 2,222 |
| Loan and lease loss provision to assets | 0.0646% | 4,897 |
| Net operating income to assets | 0.6801% | 4,009 |
| Return on assets (ROA) | 0.6801% | 4,268 |
| Pretax return on assets | 1.0995% | 3,354 |
| Return on Equity (ROE) | 7.7605% | 3,390 |
| Retained earnings to average equity (ytd only) | 5.6216% | 2,941 |
| Net charge-offs to loans | 0.0188% | 5,408 |
| Credit loss provision to net charge-offs | 473.6842% | 566 |
| Earnings coverage of net charge-offs (x) | 85.3249% | 483 |
| Efficiency ratio | 74.0308% | 2,978 |
| Assets per employee ($millions) | 3.9221% | 4,034 |
| Cash dividends to net income (ytd only)* | 27.5605% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 5,388 |
| Loan loss allowance to noncurrent loans | 93.9850% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9184% | 4,443 |
| Noncurrent loans to loans | 1.2526% | 3,963 |
| Net loans and leases to total assets | 72.4582% | 1,475 |
| Net loans and leases to deposits | 80.8034% | 2,275 |
| Net loans and leases to core deposits | 82.2578% | 2,933 |
| Total domestic deposits to total assets | 89.6722% | 1,035 |
| Equity capital to assets | 8.8484% | 5,983 |
| Core capital (leverage) ratio | 9.0869% | 4,935 |
| Tier 1 risk-based capital ratio | 13.7531% | 4,721 |
| Total risk-based capital ratio | 15.0537% | 4,643 |
| Memoranda: | ||
| Average total assets | $185,654,250 | 3,263 |
| Average earning assets | $173,019,000 | 3,225 |
| Average equity | $16,270,000 | 3,776 |
| Average total loans | $135,071,500 | 2,824 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6263% | 3,247 |
| Cost of funding earning assets | 0.3894% | 6,331 |
| Net interest margin | 4.2369% | 1,646 |
| Noninterest income to average assets | 0.5217% | 3,777 |
| Noninterest expense to average assets | 3.2925% | 2,331 |
| Loan and lease loss provision to assets | 0.0649% | 4,828 |
| Net operating income to assets | 0.6873% | 3,937 |
| Return on assets (ROA) | 0.6873% | 4,199 |
| Pretax return on assets | 1.1094% | 3,273 |
| Return on Equity (ROE) | 7.8683% | 3,313 |
| Retained earnings to average equity (ytd only) | 5.4892% | 2,994 |
| Net charge-offs to loans | 0.0104% | 5,315 |
| Credit loss provision to net charge-offs | 857.1429% | 377 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 290 |
| Efficiency ratio | 73.7097% | 3,121 |
| Assets per employee ($millions) | 4.0342% | 3,808 |
| Cash dividends to net income (ytd only)* | 30.2362% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 5,506 |
| Loan loss allowance to noncurrent loans | 91.4107% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 4,515 |
| Noncurrent loans to loans | 1.2744% | 4,004 |
| Net loans and leases to total assets | 71.9082% | 1,572 |
| Net loans and leases to deposits | 79.9492% | 2,391 |
| Net loans and leases to core deposits | 81.3682% | 3,041 |
| Total domestic deposits to total assets | 89.9424% | 957 |
| Equity capital to assets | 8.6373% | 6,087 |
| Core capital (leverage) ratio | 9.0500% | 4,841 |
| Tier 1 risk-based capital ratio | 13.5714% | 4,767 |
| Total risk-based capital ratio | 14.8483% | 4,715 |
| Memoranda: | ||
| Average total assets | $184,786,000 | 3,281 |
| Average earning assets | $172,060,000 | 3,243 |
| Average equity | $16,140,670 | 3,783 |
| Average total loans | $134,084,000 | 2,850 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6710% | 3,160 |
| Cost of funding earning assets | 0.4030% | 6,395 |
| Net interest margin | 4.2680% | 1,569 |
| Noninterest income to average assets | 0.5110% | 3,842 |
| Noninterest expense to average assets | 3.4105% | 1,982 |
| Loan and lease loss provision to assets | 0.0658% | 4,594 |
| Net operating income to assets | 0.6273% | 4,232 |
| Return on assets (ROA) | 0.6273% | 4,441 |
| Pretax return on assets | 1.0067% | 3,655 |
| Return on Equity (ROE) | 7.1400% | 3,696 |
| Retained earnings to average equity (ytd only) | 4.8682% | 3,632 |
| Net charge-offs to loans | 0.0182% | 4,434 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 414 |
| Efficiency ratio | 76.0763% | 2,779 |
| Assets per employee ($millions) | 3.9573% | 4,102 |
| Cash dividends to net income (ytd only)* | 31.8182% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 5,559 |
| Loan loss allowance to noncurrent loans | 135.2185% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.6274% | 5,323 |
| Noncurrent loans to loans | 0.8769% | 4,918 |
| Net loans and leases to total assets | 70.7009% | 1,634 |
| Net loans and leases to deposits | 78.6641% | 2,389 |
| Net loans and leases to core deposits | 80.0943% | 3,057 |
| Total domestic deposits to total assets | 89.8770% | 1,148 |
| Equity capital to assets | 8.6859% | 5,890 |
| Core capital (leverage) ratio | 9.1748% | 4,560 |
| Tier 1 risk-based capital ratio | 13.8104% | 4,600 |
| Total risk-based capital ratio | 15.1084% | 4,541 |
| Memoranda: | ||
| Average total assets | $182,375,500 | 3,341 |
| Average earning assets | $169,729,500 | 3,293 |
| Average equity | $16,022,500 | 3,811 |
| Average total loans | $132,151,000 | 2,907 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 2,996 |
| Cost of funding earning assets | 0.4525% | 6,724 |
| Net interest margin | 4.5227% | 1,088 |
| Noninterest income to average assets | 0.5749% | 3,336 |
| Noninterest expense to average assets | 3.3286% | 2,427 |
| Loan and lease loss provision to assets | 0.0693% | 5,746 |
| Net operating income to assets | 0.8170% | 2,966 |
| Return on assets (ROA) | 0.8170% | 3,132 |
| Pretax return on assets | 1.3757% | 1,858 |
| Return on Equity (ROE) | 10.3191% | 1,948 |
| Retained earnings to average equity (ytd only) | 7.8743% | 1,124 |
| Net charge-offs to loans | 0.0874% | 5,458 |
| Credit loss provision to net charge-offs | 108.1081% | 3,122 |
| Earnings coverage of net charge-offs (x) | 22.5315% | 1,057 |
| Efficiency ratio | 69.7289% | 4,017 |
| Assets per employee ($millions) | 3.8034% | 4,311 |
| Cash dividends to net income (ytd only)* | 23.6917% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 5,470 |
| Loan loss allowance to noncurrent loans | 181.7544% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.4783% | 5,772 |
| Noncurrent loans to loans | 0.6515% | 5,398 |
| Net loans and leases to total assets | 72.5401% | 1,551 |
| Net loans and leases to deposits | 80.9463% | 2,369 |
| Net loans and leases to core deposits | 82.4765% | 3,114 |
| Total domestic deposits to total assets | 89.6151% | 1,195 |
| Equity capital to assets | 8.8891% | 5,686 |
| Core capital (leverage) ratio | 9.1909% | 4,480 |
| Tier 1 risk-based capital ratio | 13.8955% | 4,399 |
| Total risk-based capital ratio | 15.1468% | 4,356 |
| Memoranda: | ||
| Average total assets | $173,075,400 | 3,442 |
| Average earning assets | $160,679,600 | 3,389 |
| Average equity | $13,702,800 | 4,189 |
| Average total loans | $126,932,600 | 3,039 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9930% | 3,114 |
| Cost of funding earning assets | 0.4642% | 6,840 |
| Net interest margin | 4.5288% | 1,084 |
| Noninterest income to average assets | 0.5530% | 3,496 |
| Noninterest expense to average assets | 3.3570% | 2,323 |
| Loan and lease loss provision to assets | 0.0932% | 5,299 |
| Net operating income to assets | 0.7806% | 3,250 |
| Return on assets (ROA) | 0.7806% | 3,417 |
| Pretax return on assets | 1.3088% | 2,261 |
| Return on Equity (ROE) | 10.1852% | 2,137 |
| Retained earnings to average equity (ytd only) | 8.2698% | 1,403 |
| Net charge-offs to loans | 0.1176% | 4,847 |
| Credit loss provision to net charge-offs | 108.1081% | 3,055 |
| Earnings coverage of net charge-offs (x) | 16.2609% | 1,409 |
| Efficiency ratio | 70.5402% | 3,847 |
| Assets per employee ($millions) | 4.3228% | 3,232 |
| Cash dividends to net income (ytd only)* | 18.8056% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 5,381 |
| Loan loss allowance to noncurrent loans | 124.3200% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 5,384 |
| Noncurrent loans to loans | 0.9836% | 4,923 |
| Net loans and leases to total assets | 70.8288% | 1,926 |
| Net loans and leases to deposits | 78.9907% | 2,816 |
| Net loans and leases to core deposits | 80.7513% | 3,522 |
| Total domestic deposits to total assets | 89.6673% | 1,059 |
| Equity capital to assets | 8.9030% | 5,856 |
| Core capital (leverage) ratio | 8.9711% | 4,983 |
| Tier 1 risk-based capital ratio | 14.3047% | 4,126 |
| Total risk-based capital ratio | 15.5564% | 4,084 |
| Memoranda: | ||
| Average total assets | $171,654,500 | 3,487 |
| Average earning assets | $159,418,500 | 3,438 |
| Average equity | $13,156,000 | 4,313 |
| Average total loans | $125,859,250 | 3,082 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0260% | 3,035 |
| Cost of funding earning assets | 0.4651% | 6,969 |
| Net interest margin | 4.5609% | 993 |
| Noninterest income to average assets | 0.5324% | 3,615 |
| Noninterest expense to average assets | 3.4465% | 2,128 |
| Loan and lease loss provision to assets | 0.1060% | 4,981 |
| Net operating income to assets | 0.7209% | 3,436 |
| Return on assets (ROA) | 0.7209% | 3,555 |
| Pretax return on assets | 1.2073% | 2,451 |
| Return on Equity (ROE) | 9.9661% | 2,126 |
| Retained earnings to average equity (ytd only) | 7.9142% | 1,489 |
| Net charge-offs to loans | 0.2152% | 3,843 |
| Credit loss provision to net charge-offs | 66.6667% | 4,148 |
| Earnings coverage of net charge-offs (x) | 8.2593% | 2,088 |
| Efficiency ratio | 72.4078% | 3,652 |
| Assets per employee ($millions) | 3.9533% | 3,855 |
| Cash dividends to net income (ytd only)* | 20.5882% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 5,665 |
| Loan loss allowance to noncurrent loans | 268.8172% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 6,327 |
| Noncurrent loans to loans | 0.4359% | 6,033 |
| Net loans and leases to total assets | 72.7268% | 1,644 |
| Net loans and leases to deposits | 79.5735% | 2,873 |
| Net loans and leases to core deposits | 81.5274% | 3,578 |
| Total domestic deposits to total assets | 91.3957% | 369 |
| Equity capital to assets | 7.2114% | 7,053 |
| Core capital (leverage) ratio | 7.5235% | 6,726 |
| Tier 1 risk-based capital ratio | 11.3149% | 6,309 |
| Total risk-based capital ratio | 12.5664% | 6,299 |
| Memoranda: | ||
| Average total assets | $169,795,000 | 3,539 |
| Average earning assets | $157,382,000 | 3,499 |
| Average equity | $12,281,670 | 4,482 |
| Average total loans | $125,450,330 | 3,114 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0118% | 3,055 |
| Cost of funding earning assets | 0.4739% | 7,055 |
| Net interest margin | 4.5379% | 989 |
| Noninterest income to average assets | 0.5509% | 3,506 |
| Noninterest expense to average assets | 3.4987% | 2,004 |
| Loan and lease loss provision to assets | 0.1073% | 4,669 |
| Net operating income to assets | 0.6845% | 3,585 |
| Return on assets (ROA) | 0.6845% | 3,649 |
| Pretax return on assets | 1.1472% | 2,577 |
| Return on Equity (ROE) | 9.4482% | 2,298 |
| Retained earnings to average equity (ytd only) | 7.3742% | 1,996 |
| Net charge-offs to loans | 0.4896% | 2,250 |
| Credit loss provision to net charge-offs | 29.6053% | 4,126 |
| Earnings coverage of net charge-offs (x) | 3.4605% | 2,736 |
| Efficiency ratio | 73.6076% | 3,592 |
| Assets per employee ($millions) | 4.0259% | 3,787 |
| Cash dividends to net income (ytd only)* | 21.9512% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 5,869 |
| Loan loss allowance to noncurrent loans | 176.8758% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 5,470 |
| Noncurrent loans to loans | 0.6475% | 5,735 |
| Net loans and leases to total assets | 73.4084% | 1,432 |
| Net loans and leases to deposits | 80.2862% | 2,667 |
| Net loans and leases to core deposits | 81.4708% | 3,529 |
| Total domestic deposits to total assets | 91.4334% | 434 |
| Equity capital to assets | 7.2614% | 6,991 |
| Core capital (leverage) ratio | 7.4859% | 6,736 |
| Tier 1 risk-based capital ratio | 11.2558% | 6,303 |
| Total risk-based capital ratio | 12.5062% | 6,278 |
| Memoranda: | ||
| Average total assets | $167,719,000 | 3,595 |
| Average earning assets | $155,314,500 | 3,556 |
| Average equity | $12,150,500 | 4,515 |
| Average total loans | $124,172,500 | 3,176 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5347% | 2,141 |
| Cost of funding earning assets | 0.7221% | 6,816 |
| Net interest margin | 4.8126% | 656 |
| Noninterest income to average assets | 0.6277% | 3,303 |
| Noninterest expense to average assets | 3.4843% | 2,220 |
| Loan and lease loss provision to assets | 0.1466% | 5,721 |
| Net operating income to assets | 0.8244% | 2,692 |
| Return on assets (ROA) | 0.8244% | 2,832 |
| Pretax return on assets | 1.3477% | 1,807 |
| Return on Equity (ROE) | 11.7281% | 1,381 |
| Retained earnings to average equity (ytd only) | 8.9916% | 702 |
| Net charge-offs to loans | 0.1055% | 5,815 |
| Credit loss provision to net charge-offs | 184.6154% | 1,781 |
| Earnings coverage of net charge-offs (x) | 18.8231% | 1,089 |
| Efficiency ratio | 69.9865% | 4,185 |
| Assets per employee ($millions) | 3.8686% | 4,085 |
| Cash dividends to net income (ytd only)* | 23.3333% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 5,207 |
| Loan loss allowance to noncurrent loans | 112.2820% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 5,343 |
| Noncurrent loans to loans | 1.1207% | 4,867 |
| Net loans and leases to total assets | 72.8808% | 1,906 |
| Net loans and leases to deposits | 79.7251% | 3,218 |
| Net loans and leases to core deposits | 80.8038% | 4,094 |
| Total domestic deposits to total assets | 91.4151% | 423 |
| Equity capital to assets | 7.2275% | 7,028 |
| Core capital (leverage) ratio | 7.3102% | 6,837 |
| Tier 1 risk-based capital ratio | 11.3594% | 6,026 |
| Total risk-based capital ratio | 12.6118% | 6,022 |
| Memoranda: | ||
| Average total assets | $163,762,400 | 3,635 |
| Average earning assets | $148,047,600 | 3,660 |
| Average equity | $11,510,800 | 4,731 |
| Average total loans | $123,275,800 | 3,248 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6243% | 1,974 |
| Cost of funding earning assets | 0.7877% | 6,803 |
| Net interest margin | 4.8366% | 622 |
| Noninterest income to average assets | 0.6809% | 2,938 |
| Noninterest expense to average assets | 3.4788% | 2,083 |
| Loan and lease loss provision to assets | 0.1471% | 5,568 |
| Net operating income to assets | 0.8542% | 2,799 |
| Return on assets (ROA) | 0.8542% | 2,927 |
| Pretax return on assets | 1.4010% | 1,876 |
| Return on Equity (ROE) | 12.2405% | 1,440 |
| Retained earnings to average equity (ytd only) | 10.0266% | 786 |
| Net charge-offs to loans | 0.1275% | 5,276 |
| Credit loss provision to net charge-offs | 152.5424% | 2,539 |
| Earnings coverage of net charge-offs (x) | 16.0508% | 1,403 |
| Efficiency ratio | 69.2033% | 4,220 |
| Assets per employee ($millions) | 3.8737% | 4,093 |
| Cash dividends to net income (ytd only)* | 18.0858% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 5,413 |
| Loan loss allowance to noncurrent loans | 152.1341% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5907% | 5,961 |
| Noncurrent loans to loans | 0.7988% | 5,618 |
| Net loans and leases to total assets | 73.0574% | 2,006 |
| Net loans and leases to deposits | 79.9090% | 3,470 |
| Net loans and leases to core deposits | 80.7939% | 4,409 |
| Total domestic deposits to total assets | 91.4258% | 328 |
| Equity capital to assets | 7.1088% | 7,303 |
| Core capital (leverage) ratio | 7.1622% | 7,081 |
| Tier 1 risk-based capital ratio | 11.1994% | 6,190 |
| Total risk-based capital ratio | 12.4514% | 6,183 |
| Memoranda: | ||
| Average total assets | $163,115,250 | 3,692 |
| Average earning assets | $146,574,500 | 3,738 |
| Average equity | $11,382,750 | 4,843 |
| Average total loans | $123,399,000 | 3,296 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6962% | 1,781 |
| Cost of funding earning assets | 0.8544% | 6,744 |
| Net interest margin | 4.8418% | 610 |
| Noninterest income to average assets | 0.6261% | 3,158 |
| Noninterest expense to average assets | 3.4662% | 2,109 |
| Loan and lease loss provision to assets | 0.1482% | 5,419 |
| Net operating income to assets | 0.8026% | 2,961 |
| Return on assets (ROA) | 0.8026% | 3,100 |
| Pretax return on assets | 1.3151% | 2,037 |
| Return on Equity (ROE) | 11.5761% | 1,570 |
| Retained earnings to average equity (ytd only) | 9.3321% | 999 |
| Net charge-offs to loans | 0.1895% | 4,471 |
| Credit loss provision to net charge-offs | 102.5641% | 3,976 |
| Earnings coverage of net charge-offs (x) | 10.1282% | 1,933 |
| Efficiency ratio | 70.3156% | 4,126 |
| Assets per employee ($millions) | 3.8802% | 4,034 |
| Cash dividends to net income (ytd only)* | 19.3846% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 5,703 |
| Loan loss allowance to noncurrent loans | 219.2073% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 6,460 |
| Noncurrent loans to loans | 0.5235% | 6,211 |
| Net loans and leases to total assets | 74.2441% | 1,852 |
| Net loans and leases to deposits | 80.8920% | 3,450 |
| Net loans and leases to core deposits | 81.6454% | 4,470 |
| Total domestic deposits to total assets | 91.7817% | 264 |
| Equity capital to assets | 6.8728% | 7,390 |
| Core capital (leverage) ratio | 7.2149% | 7,059 |
| Tier 1 risk-based capital ratio | 10.5693% | 6,635 |
| Total risk-based capital ratio | 11.8191% | 6,632 |
| Memoranda: | ||
| Average total assets | $161,964,000 | 3,744 |
| Average earning assets | $143,955,670 | 3,817 |
| Average equity | $11,230,000 | 4,873 |
| Average total loans | $123,469,330 | 3,335 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8315% | 1,372 |
| Cost of funding earning assets | 0.8976% | 6,780 |
| Net interest margin | 4.9339% | 482 |
| Noninterest income to average assets | 0.6595% | 2,882 |
| Noninterest expense to average assets | 3.5832% | 1,777 |
| Loan and lease loss provision to assets | 0.1003% | 5,625 |
| Net operating income to assets | 0.8099% | 2,918 |
| Return on assets (ROA) | 0.8099% | 3,014 |
| Pretax return on assets | 1.3315% | 1,962 |
| Return on Equity (ROE) | 11.6276% | 1,604 |
| Retained earnings to average equity (ytd only) | 9.3597% | 1,303 |
| Net charge-offs to loans | 0.3329% | 3,080 |
| Credit loss provision to net charge-offs | 39.2157% | 4,655 |
| Earnings coverage of net charge-offs (x) | 5.5980% | 2,366 |
| Efficiency ratio | 71.4500% | 4,034 |
| Assets per employee ($millions) | 3.7352% | 4,479 |
| Cash dividends to net income (ytd only)* | 19.5046% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 5,910 |
| Loan loss allowance to noncurrent loans | 146.0149% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 6,047 |
| Noncurrent loans to loans | 0.7675% | 5,791 |
| Net loans and leases to total assets | 75.4779% | 1,652 |
| Net loans and leases to deposits | 82.8960% | 3,124 |
| Net loans and leases to core deposits | 83.7002% | 4,245 |
| Total domestic deposits to total assets | 91.0512% | 521 |
| Equity capital to assets | 7.0069% | 7,367 |
| Core capital (leverage) ratio | 7.2837% | 7,045 |
| Tier 1 risk-based capital ratio | 10.4836% | 6,646 |
| Total risk-based capital ratio | 11.7344% | 6,641 |
| Memoranda: | ||
| Average total assets | $159,522,500 | 3,854 |
| Average earning assets | $140,820,500 | 3,944 |
| Average equity | $11,111,500 | 4,949 |
| Average total loans | $122,548,000 | 3,418 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0983% | 1,519 |
| Cost of funding earning assets | 1.1724% | 6,758 |
| Net interest margin | 4.9260% | 527 |
| Noninterest income to average assets | 0.7012% | 2,967 |
| Noninterest expense to average assets | 3.8738% | 1,551 |
| Loan and lease loss provision to assets | 0.1428% | 6,214 |
| Net operating income to assets | 0.7131% | 2,881 |
| Return on assets (ROA) | 0.7131% | 2,946 |
| Pretax return on assets | 1.1122% | 2,209 |
| Return on Equity (ROE) | 10.2305% | 1,628 |
| Retained earnings to average equity (ytd only) | 7.2395% | 891 |
| Net charge-offs to loans | 0.0478% | 6,623 |
| Credit loss provision to net charge-offs | 383.9286% | 829 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 688 |
| Efficiency ratio | 75.5308% | 3,610 |
| Assets per employee ($millions) | 3.6844% | 4,551 |
| Cash dividends to net income (ytd only)* | 29.2365% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 5,525 |
| Loan loss allowance to noncurrent loans | 153.5829% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 5,985 |
| Noncurrent loans to loans | 0.7633% | 5,741 |
| Net loans and leases to total assets | 76.4106% | 1,710 |
| Net loans and leases to deposits | 83.8619% | 3,304 |
| Net loans and leases to core deposits | 90.3991% | 5,081 |
| Total domestic deposits to total assets | 91.1147% | 494 |
| Equity capital to assets | 6.9235% | 7,405 |
| Core capital (leverage) ratio | 7.1679% | 7,096 |
| Tier 1 risk-based capital ratio | 10.2813% | 6,607 |
| Total risk-based capital ratio | 11.5326% | 6,578 |
| Memoranda: | ||
| Average total assets | $150,599,800 | 3,948 |
| Average earning assets | $135,364,600 | 3,990 |
| Average equity | $10,498,000 | 5,165 |
| Average total loans | $117,248,000 | 3,543 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1298% | 1,555 |
| Cost of funding earning assets | 1.2363% | 6,775 |
| Net interest margin | 4.8935% | 561 |
| Noninterest income to average assets | 0.7149% | 2,920 |
| Noninterest expense to average assets | 3.8463% | 1,515 |
| Loan and lease loss provision to assets | 0.1929% | 5,450 |
| Net operating income to assets | 0.6934% | 3,235 |
| Return on assets (ROA) | 0.6934% | 3,288 |
| Pretax return on assets | 1.0889% | 2,615 |
| Return on Equity (ROE) | 9.9289% | 1,939 |
| Retained earnings to average equity (ytd only) | 7.5013% | 1,314 |
| Net charge-offs to loans | 0.0678% | 6,015 |
| Credit loss provision to net charge-offs | 364.4068% | 1,115 |
| Earnings coverage of net charge-offs (x) | 24.2218% | 1,094 |
| Efficiency ratio | 75.0044% | 3,691 |
| Assets per employee ($millions) | 3.8132% | 4,164 |
| Cash dividends to net income (ytd only)* | 24.4499% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 5,163 |
| Loan loss allowance to noncurrent loans | 117.6664% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 5,571 |
| Noncurrent loans to loans | 1.0131% | 5,281 |
| Net loans and leases to total assets | 75.9227% | 2,007 |
| Net loans and leases to deposits | 83.9889% | 3,644 |
| Net loans and leases to core deposits | 91.1716% | 5,313 |
| Total domestic deposits to total assets | 90.3961% | 622 |
| Equity capital to assets | 6.8651% | 7,659 |
| Core capital (leverage) ratio | 7.3707% | 7,107 |
| Tier 1 risk-based capital ratio | 10.3333% | 6,642 |
| Total risk-based capital ratio | 11.5849% | 6,582 |
| Memoranda: | ||
| Average total assets | $148,642,000 | 3,997 |
| Average earning assets | $134,053,250 | 4,037 |
| Average equity | $10,380,250 | 5,232 |
| Average total loans | $115,936,500 | 3,596 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1637% | 1,580 |
| Cost of funding earning assets | 1.2999% | 6,809 |
| Net interest margin | 4.8638% | 583 |
| Noninterest income to average assets | 0.6599% | 3,267 |
| Noninterest expense to average assets | 3.8063% | 1,649 |
| Loan and lease loss provision to assets | 0.1164% | 5,975 |
| Net operating income to assets | 0.7229% | 3,155 |
| Return on assets (ROA) | 0.7229% | 3,262 |
| Pretax return on assets | 1.1583% | 2,433 |
| Return on Equity (ROE) | 10.2897% | 1,918 |
| Retained earnings to average equity (ytd only) | 7.8537% | 1,259 |
| Net charge-offs to loans | 0.0017% | 6,606 |
| Credit loss provision to net charge-offs | 8,500.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 931.0000% | 29 |
| Efficiency ratio | 74.9124% | 3,895 |
| Assets per employee ($millions) | 3.4714% | 4,890 |
| Cash dividends to net income (ytd only)* | 23.6742% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 5,167 |
| Loan loss allowance to noncurrent loans | 96.2518% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 5,086 |
| Noncurrent loans to loans | 1.2100% | 4,797 |
| Net loans and leases to total assets | 77.3735% | 1,890 |
| Net loans and leases to deposits | 85.7273% | 3,594 |
| Net loans and leases to core deposits | 94.1664% | 5,096 |
| Total domestic deposits to total assets | 90.2554% | 728 |
| Equity capital to assets | 7.0301% | 7,599 |
| Core capital (leverage) ratio | 7.4521% | 7,079 |
| Tier 1 risk-based capital ratio | 10.1736% | 6,741 |
| Total risk-based capital ratio | 11.4247% | 6,673 |
| Memoranda: | ||
| Average total assets | $146,075,330 | 4,068 |
| Average earning assets | $132,778,000 | 4,089 |
| Average equity | $10,262,670 | 5,288 |
| Average total loans | $114,538,330 | 3,658 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1483% | 1,767 |
| Cost of funding earning assets | 1.3714% | 6,812 |
| Net interest margin | 4.7770% | 640 |
| Noninterest income to average assets | 0.6312% | 3,346 |
| Noninterest expense to average assets | 3.5604% | 1,952 |
| Loan and lease loss provision to assets | 0.1661% | 4,802 |
| Net operating income to assets | 0.7669% | 3,272 |
| Return on assets (ROA) | 0.7669% | 3,445 |
| Pretax return on assets | 1.2348% | 2,497 |
| Return on Equity (ROE) | 10.9195% | 1,991 |
| Retained earnings to average equity (ytd only) | 8.4360% | 1,650 |
| Net charge-offs to loans | 0.0106% | 5,482 |
| Credit loss provision to net charge-offs | 2,000.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 168.6667% | 257 |
| Efficiency ratio | 71.7634% | 4,230 |
| Assets per employee ($millions) | 3.5246% | 4,760 |
| Cash dividends to net income (ytd only)* | 22.7437% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 5,016 |
| Loan loss allowance to noncurrent loans | 142.5668% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 5,542 |
| Noncurrent loans to loans | 0.8170% | 5,402 |
| Net loans and leases to total assets | 78.2719% | 1,756 |
| Net loans and leases to deposits | 89.2330% | 3,062 |
| Net loans and leases to core deposits | 98.0683% | 4,737 |
| Total domestic deposits to total assets | 87.7163% | 1,878 |
| Equity capital to assets | 7.0895% | 7,630 |
| Core capital (leverage) ratio | 7.5141% | 7,149 |
| Tier 1 risk-based capital ratio | 10.0411% | 6,869 |
| Total risk-based capital ratio | 11.2919% | 6,788 |
| Memoranda: | ||
| Average total assets | $144,477,000 | 4,104 |
| Average earning assets | $130,962,000 | 4,134 |
| Average equity | $10,147,000 | 5,337 |
| Average total loans | $113,378,500 | 3,711 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3730% | 3,556 |
| Cost of funding earning assets | 1.8502% | 6,869 |
| Net interest margin | 4.5229% | 1,368 |
| Noninterest income to average assets | 0.8668% | 2,126 |
| Noninterest expense to average assets | 3.6030% | 2,135 |
| Loan and lease loss provision to assets | 0.3138% | 3,862 |
| Net operating income to assets | 0.6719% | 4,017 |
| Return on assets (ROA) | 0.6719% | 3,857 |
| Pretax return on assets | 1.0589% | 3,187 |
| Return on Equity (ROE) | 9.4616% | 2,450 |
| Retained earnings to average equity (ytd only) | 6.3408% | 1,382 |
| Net charge-offs to loans | 0.0424% | 6,183 |
| Credit loss provision to net charge-offs | 969.5652% | 461 |
| Earnings coverage of net charge-offs (x) | 42.4130% | 872 |
| Efficiency ratio | 72.4123% | 3,858 |
| Assets per employee ($millions) | 3.2828% | 5,253 |
| Cash dividends to net income (ytd only)* | 32.9843% | 3,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,017 |
| Loan loss allowance to noncurrent loans | 746.1988% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 7,103 |
| Noncurrent loans to loans | 0.1523% | 6,955 |
| Net loans and leases to total assets | 76.8722% | 2,408 |
| Net loans and leases to deposits | 87.9335% | 3,814 |
| Net loans and leases to core deposits | 98.6987% | 4,964 |
| Total domestic deposits to total assets | 87.4208% | 1,742 |
| Equity capital to assets | 6.9570% | 7,757 |
| Core capital (leverage) ratio | 7.1542% | 7,564 |
| Tier 1 risk-based capital ratio | 10.1474% | 6,578 |
| Total risk-based capital ratio | 11.3978% | 6,440 |
| Memoranda: | ||
| Average total assets | $142,131,200 | 4,041 |
| Average earning assets | $129,122,000 | 4,057 |
| Average equity | $10,093,400 | 5,381 |
| Average total loans | $108,402,400 | 3,723 |