Home > COMMUNITY BANK OF THE CUMBERLANDS > Performance and Condition Ratios
COMMUNITY BANK OF THE CUMBERLANDS, Performance and Condition Ratios
| 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 | 5.9386% | 293 |
| Cost of funding earning assets | 0.9666% | 1,547 |
| Net interest margin | 4.9720% | 400 |
| Noninterest income to average assets | 0.4496% | 4,248 |
| Noninterest expense to average assets | 4.1027% | 856 |
| Loan and lease loss provision to assets | 0.4758% | 1,295 |
| Net operating income to assets | 1.5823% | 779 |
| Return on assets (ROA) | 1.5991% | 844 |
| Pretax return on assets | 0.4321% | 5,472 |
| Return on Equity (ROE) | 14.6569% | 883 |
| Retained earnings to average equity (ytd only) | 14.6569% | 171 |
| Net charge-offs to loans | 0.3553% | 2,854 |
| Credit loss provision to net charge-offs | 166.3951% | 1,604 |
| Earnings coverage of net charge-offs (x) | 3.1161% | 3,878 |
| Efficiency ratio | 80.4431% | 2,093 |
| Assets per employee ($millions) | 3.6977% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 3,832 |
| Loan loss allowance to noncurrent loans | 20.0040% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 6.0779% | 563 |
| Noncurrent loans to loans | 7.3949% | 415 |
| Net loans and leases to total assets | 77.2179% | 770 |
| Net loans and leases to deposits | 88.4647% | 1,217 |
| Net loans and leases to core deposits | 91.2373% | 1,704 |
| Total domestic deposits to total assets | 87.2867% | 2,652 |
| Equity capital to assets | 11.5010% | 2,445 |
| Core capital (leverage) ratio | 10.8146% | 2,428 |
| Tier 1 risk-based capital ratio | 18.4749% | 2,108 |
| Total risk-based capital ratio | 19.5513% | 2,130 |
| Memoranda: | ||
| Average total assets | $171,717,000 | 3,431 |
| Average earning assets | $156,939,200 | 3,419 |
| Average equity | $18,735,200 | 3,371 |
| Average total loans | $138,212,200 | 2,736 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2188% | 201 |
| Cost of funding earning assets | 0.9731% | 1,721 |
| Net interest margin | 5.2457% | 273 |
| Noninterest income to average assets | 0.4509% | 4,285 |
| Noninterest expense to average assets | 3.2850% | 2,312 |
| Loan and lease loss provision to assets | 0.4291% | 1,483 |
| Net operating income to assets | 1.5397% | 960 |
| Return on assets (ROA) | 1.5623% | 1,026 |
| Pretax return on assets | 1.5623% | 1,697 |
| Return on Equity (ROE) | 14.5185% | 996 |
| Retained earnings to average equity (ytd only) | 14.5185% | 268 |
| Net charge-offs to loans | 0.4104% | 2,456 |
| Credit loss provision to net charge-offs | 129.0398% | 2,230 |
| Earnings coverage of net charge-offs (x) | 5.9204% | 2,894 |
| Efficiency ratio | 60.8805% | 5,336 |
| Assets per employee ($millions) | 3.6908% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 5,111 |
| Loan loss allowance to noncurrent loans | 14.9513% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 7.2833% | 477 |
| Noncurrent loans to loans | 8.2724% | 364 |
| Net loans and leases to total assets | 81.7186% | 367 |
| Net loans and leases to deposits | 92.6440% | 909 |
| Net loans and leases to core deposits | 95.8355% | 1,425 |
| Total domestic deposits to total assets | 88.2071% | 1,914 |
| Equity capital to assets | 11.0009% | 3,279 |
| Core capital (leverage) ratio | 10.2669% | 3,203 |
| Tier 1 risk-based capital ratio | 16.9357% | 2,768 |
| Total risk-based capital ratio | 18.1913% | 2,725 |
| Memoranda: | ||
| Average total assets | $171,197,750 | 3,468 |
| Average earning assets | $156,745,750 | 3,472 |
| Average equity | $18,422,000 | 3,445 |
| Average total loans | $138,711,500 | 2,764 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1480% | 242 |
| Cost of funding earning assets | 0.9846% | 1,855 |
| Net interest margin | 5.1634% | 312 |
| Noninterest income to average assets | 0.4421% | 4,351 |
| Noninterest expense to average assets | 3.2315% | 2,490 |
| Loan and lease loss provision to assets | 0.4586% | 1,392 |
| Net operating income to assets | 1.4751% | 1,037 |
| Return on assets (ROA) | 1.5094% | 1,099 |
| Pretax return on assets | 1.5094% | 1,824 |
| Return on Equity (ROE) | 14.1368% | 1,083 |
| Retained earnings to average equity (ytd only) | 14.1368% | 338 |
| Net charge-offs to loans | 0.4527% | 2,246 |
| Credit loss provision to net charge-offs | 125.9740% | 2,181 |
| Earnings coverage of net charge-offs (x) | 5.3117% | 2,859 |
| Efficiency ratio | 60.8696% | 5,441 |
| Assets per employee ($millions) | 3.8822% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 5,228 |
| Loan loss allowance to noncurrent loans | 16.4619% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 6.5392% | 628 |
| Noncurrent loans to loans | 7.4526% | 499 |
| Net loans and leases to total assets | 81.5233% | 368 |
| Net loans and leases to deposits | 92.2500% | 923 |
| Net loans and leases to core deposits | 95.1275% | 1,497 |
| Total domestic deposits to total assets | 88.3721% | 1,910 |
| Equity capital to assets | 10.7143% | 3,435 |
| Core capital (leverage) ratio | 9.9683% | 3,463 |
| Tier 1 risk-based capital ratio | 16.7547% | 2,781 |
| Total risk-based capital ratio | 17.8765% | 2,799 |
| Memoranda: | ||
| Average total assets | $169,211,000 | 3,512 |
| Average earning assets | $154,782,330 | 3,525 |
| Average equity | $18,066,330 | 3,488 |
| Average total loans | $136,087,330 | 2,815 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1660% | 241 |
| Cost of funding earning assets | 1.0110% | 1,915 |
| Net interest margin | 5.1550% | 316 |
| Noninterest income to average assets | 0.4397% | 4,376 |
| Noninterest expense to average assets | 3.2872% | 2,325 |
| Loan and lease loss provision to assets | 0.4830% | 1,264 |
| Net operating income to assets | 1.3745% | 1,267 |
| Return on assets (ROA) | 1.3745% | 1,417 |
| Pretax return on assets | 1.3745% | 2,269 |
| Return on Equity (ROE) | 12.8970% | 1,434 |
| Retained earnings to average equity (ytd only) | 12.8970% | 699 |
| Net charge-offs to loans | 0.4999% | 1,839 |
| Credit loss provision to net charge-offs | 121.8182% | 1,958 |
| Earnings coverage of net charge-offs (x) | 4.6848% | 2,520 |
| Efficiency ratio | 62.1672% | 5,249 |
| Assets per employee ($millions) | 3.7317% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 4,838 |
| Loan loss allowance to noncurrent loans | 20.8082% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 5.5721% | 876 |
| Noncurrent loans to loans | 6.4467% | 742 |
| Net loans and leases to total assets | 75.5493% | 857 |
| Net loans and leases to deposits | 85.5037% | 1,476 |
| Net loans and leases to core deposits | 94.4112% | 1,430 |
| Total domestic deposits to total assets | 88.3580% | 2,093 |
| Equity capital to assets | 10.7381% | 3,225 |
| Core capital (leverage) ratio | 10.1537% | 3,169 |
| Tier 1 risk-based capital ratio | 17.9716% | 2,304 |
| Total risk-based capital ratio | 19.2298% | 2,277 |
| Memoranda: | ||
| Average total assets | $166,466,000 | 3,577 |
| Average earning assets | $151,930,500 | 3,579 |
| Average equity | $17,740,500 | 3,538 |
| Average total loans | $132,035,500 | 2,909 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5638% | 168 |
| Cost of funding earning assets | 1.0751% | 2,846 |
| Net interest margin | 5.4887% | 179 |
| Noninterest income to average assets | 0.4516% | 4,202 |
| Noninterest expense to average assets | 4.1330% | 876 |
| Loan and lease loss provision to assets | 0.0530% | 5,926 |
| Net operating income to assets | 1.1841% | 1,549 |
| Return on assets (ROA) | 1.2429% | 1,497 |
| Pretax return on assets | 1.2429% | 2,318 |
| Return on Equity (ROE) | 10.5875% | 1,846 |
| Retained earnings to average equity (ytd only) | 10.5875% | 462 |
| Net charge-offs to loans | 0.4342% | 3,267 |
| Credit loss provision to net charge-offs | 16.2222% | 5,955 |
| Earnings coverage of net charge-offs (x) | 3.7867% | 3,388 |
| Efficiency ratio | 73.5298% | 3,302 |
| Assets per employee ($millions) | 3.5871% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 5,191 |
| Loan loss allowance to noncurrent loans | 74.1765% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 2.2399% | 2,691 |
| Noncurrent loans to loans | 1.6807% | 3,639 |
| Net loans and leases to total assets | 81.0819% | 403 |
| Net loans and leases to deposits | 91.6282% | 1,000 |
| Net loans and leases to core deposits | 100.5547% | 1,127 |
| Total domestic deposits to total assets | 88.4901% | 1,857 |
| Equity capital to assets | 10.5748% | 3,446 |
| Core capital (leverage) ratio | 10.1600% | 3,155 |
| Tier 1 risk-based capital ratio | 17.5631% | 2,361 |
| Total risk-based capital ratio | 18.8185% | 2,324 |
| Memoranda: | ||
| Average total assets | $137,743,600 | 4,019 |
| Average earning assets | $123,435,000 | 4,064 |
| Average equity | $16,170,000 | 3,695 |
| Average total loans | $103,640,600 | 3,528 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4508% | 210 |
| Cost of funding earning assets | 1.1280% | 2,778 |
| Net interest margin | 5.3227% | 237 |
| Noninterest income to average assets | 0.5998% | 3,161 |
| Noninterest expense to average assets | 4.2893% | 722 |
| Loan and lease loss provision to assets | 0.0061% | 6,348 |
| Net operating income to assets | 1.0520% | 2,133 |
| Return on assets (ROA) | 1.1344% | 1,984 |
| Pretax return on assets | 1.1344% | 2,877 |
| Return on Equity (ROE) | 9.3708% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.3708% | 1,019 |
| Net charge-offs to loans | 0.3010% | 3,584 |
| Credit loss provision to net charge-offs | 2.7778% | 5,719 |
| Earnings coverage of net charge-offs (x) | 4.8102% | 2,957 |
| Efficiency ratio | 76.4235% | 2,781 |
| Assets per employee ($millions) | 3.1755% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 3,468 |
| Loan loss allowance to noncurrent loans | 102.7117% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 2.6628% | 2,429 |
| Noncurrent loans to loans | 1.6008% | 3,896 |
| Net loans and leases to total assets | 77.6943% | 741 |
| Net loans and leases to deposits | 90.0436% | 1,207 |
| Net loans and leases to core deposits | 96.4779% | 1,559 |
| Total domestic deposits to total assets | 86.2851% | 3,049 |
| Equity capital to assets | 11.6525% | 2,539 |
| Core capital (leverage) ratio | 10.6334% | 2,723 |
| Tier 1 risk-based capital ratio | 18.0223% | 2,243 |
| Total risk-based capital ratio | 19.2849% | 2,200 |
| Memoranda: | ||
| Average total assets | $130,928,000 | 4,182 |
| Average earning assets | $116,778,750 | 4,230 |
| Average equity | $15,850,250 | 3,766 |
| Average total loans | $95,681,000 | 3,766 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9056% | 120 |
| Cost of funding earning assets | 1.1669% | 2,790 |
| Net interest margin | 5.7388% | 123 |
| Noninterest income to average assets | 0.3907% | 4,754 |
| Noninterest expense to average assets | 4.3312% | 720 |
| Loan and lease loss provision to assets | 0.0095% | 6,145 |
| Net operating income to assets | 1.1565% | 1,699 |
| Return on assets (ROA) | 1.2841% | 1,424 |
| Pretax return on assets | 1.2841% | 2,187 |
| Return on Equity (ROE) | 10.4599% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.4599% | 752 |
| Net charge-offs to loans | 0.4136% | 2,899 |
| Credit loss provision to net charge-offs | 3.2258% | 5,309 |
| Earnings coverage of net charge-offs (x) | 3.9785% | 3,003 |
| Efficiency ratio | 75.0072% | 3,173 |
| Assets per employee ($millions) | 2.9106% | 6,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8039% | 2,977 |
| Loan loss allowance to noncurrent loans | 95.2501% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 2.5514% | 2,621 |
| Noncurrent loans to loans | 1.8939% | 3,614 |
| Net loans and leases to total assets | 76.6379% | 975 |
| Net loans and leases to deposits | 88.3669% | 1,447 |
| Net loans and leases to core deposits | 92.5514% | 2,066 |
| Total domestic deposits to total assets | 86.7270% | 2,899 |
| Equity capital to assets | 12.0705% | 2,048 |
| Core capital (leverage) ratio | 11.0406% | 2,213 |
| Tier 1 risk-based capital ratio | 18.1308% | 2,128 |
| Total risk-based capital ratio | 19.3942% | 2,081 |
| Memoranda: | ||
| Average total assets | $126,938,670 | 4,286 |
| Average earning assets | $112,951,330 | 4,360 |
| Average equity | $15,583,330 | 3,803 |
| Average total loans | $89,948,670 | 3,938 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6639% | 69 |
| Cost of funding earning assets | 1.1974% | 2,836 |
| Net interest margin | 6.4665% | 70 |
| Noninterest income to average assets | 0.5929% | 3,226 |
| Noninterest expense to average assets | 4.5681% | 556 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7463% | 540 |
| Return on assets (ROA) | 1.7463% | 567 |
| Pretax return on assets | 1.7463% | 903 |
| Return on Equity (ROE) | 14.0966% | 973 |
| Retained earnings to average equity (ytd only) | 14.0966% | 465 |
| Net charge-offs to loans | 0.6144% | 1,968 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.2441% | 2,534 |
| Efficiency ratio | 68.9584% | 4,488 |
| Assets per employee ($millions) | 2.7223% | 6,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3954% | 1,608 |
| Loan loss allowance to noncurrent loans | 110.2331% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 2.7270% | 2,527 |
| Noncurrent loans to loans | 2.1731% | 3,351 |
| Net loans and leases to total assets | 63.0910% | 3,630 |
| Net loans and leases to deposits | 73.1607% | 3,894 |
| Net loans and leases to core deposits | 76.5935% | 4,224 |
| Total domestic deposits to total assets | 86.2362% | 3,376 |
| Equity capital to assets | 12.4765% | 1,641 |
| Core capital (leverage) ratio | 11.6886% | 1,745 |
| Tier 1 risk-based capital ratio | 17.9009% | 2,148 |
| Total risk-based capital ratio | 19.1655% | 2,113 |
| Memoranda: | ||
| Average total assets | $123,464,000 | 4,383 |
| Average earning assets | $109,240,000 | 4,492 |
| Average equity | $15,294,500 | 3,848 |
| Average total loans | $82,676,000 | 4,175 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3182% | 98 |
| Cost of funding earning assets | 1.2201% | 4,423 |
| Net interest margin | 6.0981% | 90 |
| Noninterest income to average assets | 0.5514% | 3,813 |
| Noninterest expense to average assets | 3.8947% | 1,323 |
| Loan and lease loss provision to assets | 1.5271% | 966 |
| Net operating income to assets | 0.2166% | 5,227 |
| Return on assets (ROA) | 0.3334% | 4,975 |
| Pretax return on assets | 0.3334% | 5,135 |
| Return on Equity (ROE) | 2.0340% | 5,367 |
| Retained earnings to average equity (ytd only) | 2.0340% | 4,449 |
| Net charge-offs to loans | 0.8362% | 2,541 |
| Credit loss provision to net charge-offs | 281.4714% | 963 |
| Earnings coverage of net charge-offs (x) | 3.2139% | 3,470 |
| Efficiency ratio | 65.5349% | 5,058 |
| Assets per employee ($millions) | 2.6457% | 6,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4477% | 1,483 |
| Loan loss allowance to noncurrent loans | 130.1008% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 2.5809% | 2,701 |
| Noncurrent loans to loans | 1.8814% | 3,709 |
| Net loans and leases to total assets | 67.6576% | 3,066 |
| Net loans and leases to deposits | 78.3489% | 3,458 |
| Net loans and leases to core deposits | 81.4409% | 3,988 |
| Total domestic deposits to total assets | 86.3543% | 3,164 |
| Equity capital to assets | 12.2965% | 1,744 |
| Core capital (leverage) ratio | 11.2562% | 1,980 |
| Tier 1 risk-based capital ratio | 16.8480% | 2,407 |
| Total risk-based capital ratio | 18.1141% | 2,367 |
| Memoranda: | ||
| Average total assets | $135,288,000 | 4,148 |
| Average earning assets | $112,855,200 | 4,403 |
| Average equity | $22,173,600 | 2,860 |
| Average total loans | $87,776,000 | 4,109 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9481% | 158 |
| Cost of funding earning assets | 1.2878% | 4,307 |
| Net interest margin | 5.6603% | 137 |
| Noninterest income to average assets | 0.6345% | 3,223 |
| Noninterest expense to average assets | 3.6177% | 1,750 |
| Loan and lease loss provision to assets | 1.8882% | 651 |
| Net operating income to assets | -0.2019% | 6,327 |
| Return on assets (ROA) | -0.0413% | 6,193 |
| Pretax return on assets | -0.0413% | 6,154 |
| Return on Equity (ROE) | -0.2391% | 6,171 |
| Retained earnings to average equity (ytd only) | -0.2391% | 5,835 |
| Net charge-offs to loans | 0.5401% | 3,140 |
| Credit loss provision to net charge-offs | 547.0752% | 526 |
| Earnings coverage of net charge-offs (x) | 4.8858% | 2,904 |
| Efficiency ratio | 64.5278% | 5,145 |
| Assets per employee ($millions) | 3.0355% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5812% | 1,236 |
| Loan loss allowance to noncurrent loans | 85.7091% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 3.2299% | 2,213 |
| Noncurrent loans to loans | 3.0115% | 2,647 |
| Net loans and leases to total assets | 66.0949% | 3,670 |
| Net loans and leases to deposits | 81.7731% | 3,149 |
| Net loans and leases to core deposits | 85.1153% | 3,782 |
| Total domestic deposits to total assets | 80.8272% | 5,443 |
| Equity capital to assets | 17.8439% | 426 |
| Core capital (leverage) ratio | 9.5642% | 3,813 |
| Tier 1 risk-based capital ratio | 12.7923% | 4,738 |
| Total risk-based capital ratio | 14.0577% | 4,708 |
| Memoranda: | ||
| Average total assets | $138,684,750 | 4,130 |
| Average earning assets | $114,407,500 | 4,418 |
| Average equity | $23,975,750 | 2,697 |
| Average total loans | $88,618,500 | 4,155 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0426% | 147 |
| Cost of funding earning assets | 1.3297% | 4,339 |
| Net interest margin | 5.7128% | 131 |
| Noninterest income to average assets | 0.6311% | 3,119 |
| Noninterest expense to average assets | 3.5045% | 2,019 |
| Loan and lease loss provision to assets | 1.0670% | 1,355 |
| Net operating income to assets | 0.7906% | 3,008 |
| Return on assets (ROA) | 0.7906% | 3,159 |
| Pretax return on assets | 0.7906% | 3,912 |
| Return on Equity (ROE) | 4.6205% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.6205% | 3,128 |
| Net charge-offs to loans | -0.2115% | 7,651 |
| Credit loss provision to net charge-offs | -805.3763% | 6,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7428% | 5,730 |
| Assets per employee ($millions) | 3.0870% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 2,483 |
| Loan loss allowance to noncurrent loans | 54.2700% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 3.4798% | 2,018 |
| Noncurrent loans to loans | 3.4588% | 2,297 |
| Net loans and leases to total assets | 59.3042% | 5,194 |
| Net loans and leases to deposits | 73.2417% | 4,802 |
| Net loans and leases to core deposits | 75.7614% | 5,220 |
| Total domestic deposits to total assets | 80.9705% | 5,405 |
| Equity capital to assets | 17.5991% | 459 |
| Core capital (leverage) ratio | 9.7491% | 3,473 |
| Tier 1 risk-based capital ratio | 12.8302% | 4,581 |
| Total risk-based capital ratio | 14.0843% | 4,536 |
| Memoranda: | ||
| Average total assets | $140,391,670 | 4,131 |
| Average earning assets | $116,264,330 | 4,411 |
| Average equity | $24,023,330 | 2,696 |
| Average total loans | $87,952,000 | 4,199 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3624% | 116 |
| Cost of funding earning assets | 1.3547% | 4,459 |
| Net interest margin | 6.0077% | 108 |
| Noninterest income to average assets | 0.6320% | 3,067 |
| Noninterest expense to average assets | 3.4862% | 2,019 |
| Loan and lease loss provision to assets | 1.3973% | 858 |
| Net operating income to assets | 0.7511% | 3,204 |
| Return on assets (ROA) | 0.7511% | 3,308 |
| Pretax return on assets | 0.7511% | 4,054 |
| Return on Equity (ROE) | 4.4517% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.4517% | 3,484 |
| Net charge-offs to loans | -0.2979% | 7,741 |
| Credit loss provision to net charge-offs | -735.8209% | 6,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4507% | 6,420 |
| Assets per employee ($millions) | 3.1787% | 5,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 3,956 |
| Loan loss allowance to noncurrent loans | 69.9082% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 2.3337% | 3,113 |
| Noncurrent loans to loans | 2.1318% | 3,611 |
| Net loans and leases to total assets | 61.1560% | 4,916 |
| Net loans and leases to deposits | 75.0002% | 4,579 |
| Net loans and leases to core deposits | 78.6794% | 4,938 |
| Total domestic deposits to total assets | 81.5411% | 5,253 |
| Equity capital to assets | 17.1212% | 520 |
| Core capital (leverage) ratio | 9.3493% | 3,973 |
| Tier 1 risk-based capital ratio | 12.1291% | 5,056 |
| Total risk-based capital ratio | 13.3789% | 5,023 |
| Memoranda: | ||
| Average total assets | $141,129,500 | 4,174 |
| Average earning assets | $117,516,000 | 4,435 |
| Average equity | $23,811,000 | 2,737 |
| Average total loans | $89,948,500 | 4,199 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0516% | 7,969 |
| Cost of funding earning assets | 0.1270% | 7,956 |
| Net interest margin | 0.9246% | 7,936 |
| Noninterest income to average assets | 0.1061% | 7,234 |
| Noninterest expense to average assets | 0.4090% | 7,990 |
| Loan and lease loss provision to assets | 0.5729% | 3,510 |
| Net operating income to assets | -0.0632% | 5,607 |
| Return on assets (ROA) | -0.0632% | 5,629 |
| Pretax return on assets | -0.0632% | 5,544 |
| Return on Equity (ROE) | -0.8541% | 5,675 |
| Retained earnings to average equity (ytd only) | -0.8541% | 5,214 |
| Net charge-offs to loans | 0.6040% | 3,408 |
| Credit loss provision to net charge-offs | 119.1558% | 4,509 |
| Earnings coverage of net charge-offs (x) | 1.0601% | 5,056 |
| Efficiency ratio | 42.1410% | 7,823 |
| Assets per employee ($millions) | 3.3904% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7887% | 7,164 |
| Loan loss allowance to noncurrent loans | 27.1349% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 2.3842% | 2,919 |
| Noncurrent loans to loans | 2.9064% | 2,656 |
| Net loans and leases to total assets | 64.8434% | 4,403 |
| Net loans and leases to deposits | 78.9924% | 4,171 |
| Net loans and leases to core deposits | 119.4239% | 1,993 |
| Total domestic deposits to total assets | 82.0881% | 4,908 |
| Equity capital to assets | 16.6268% | 596 |
| Core capital (leverage) ratio | 9.0039% | 4,415 |
| Tier 1 risk-based capital ratio | 11.3606% | 5,552 |
| Total risk-based capital ratio | 12.0704% | 6,064 |
| Memoranda: | ||
| Average total assets | $128,123,200 | 4,379 |
| Average earning assets | $112,585,200 | 4,492 |
| Average equity | $9,483,600 | 5,451 |
| Average total loans | $101,978,800 | 3,897 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1057% | 1,635 |
| Cost of funding earning assets | 2.7594% | 667 |
| Net interest margin | 3.3463% | 5,456 |
| Noninterest income to average assets | 0.6166% | 3,573 |
| Noninterest expense to average assets | 3.7016% | 1,818 |
| Loan and lease loss provision to assets | 1.8144% | 1,027 |
| Net operating income to assets | -1.9150% | 7,283 |
| Return on assets (ROA) | -1.9150% | 7,284 |
| Pretax return on assets | -1.9150% | 7,138 |
| Return on Equity (ROE) | -40.1865% | 7,752 |
| Retained earnings to average equity (ytd only) | -40.1865% | 7,746 |
| Net charge-offs to loans | 2.7931% | 633 |
| Credit loss provision to net charge-offs | 77.6454% | 5,817 |
| Earnings coverage of net charge-offs (x) | -0.0431% | 6,120 |
| Efficiency ratio | 102.7943% | 953 |
| Assets per employee ($millions) | 2.7698% | 6,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3923% | 1,177 |
| Loan loss allowance to noncurrent loans | 70.7303% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 3.1763% | 2,138 |
| Noncurrent loans to loans | 3.3823% | 2,230 |
| Net loans and leases to total assets | 82.3561% | 757 |
| Net loans and leases to deposits | 86.8019% | 3,167 |
| Net loans and leases to core deposits | 131.5090% | 1,348 |
| Total domestic deposits to total assets | 94.8782% | 37 |
| Equity capital to assets | 4.1371% | 7,997 |
| Core capital (leverage) ratio | 4.0334% | 7,986 |
| Tier 1 risk-based capital ratio | 5.1878% | 7,989 |
| Total risk-based capital ratio | 6.4546% | 7,991 |
| Memoranda: | ||
| Average total assets | $124,554,750 | 4,483 |
| Average earning assets | $111,084,500 | 4,554 |
| Average equity | $5,935,500 | 6,684 |
| Average total loans | $104,206,250 | 3,871 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2342% | 1,375 |
| Cost of funding earning assets | 2.9014% | 606 |
| Net interest margin | 3.3328% | 5,425 |
| Noninterest income to average assets | 0.5851% | 3,803 |
| Noninterest expense to average assets | 3.6222% | 2,020 |
| Loan and lease loss provision to assets | 2.5110% | 622 |
| Net operating income to assets | -2.5923% | 7,587 |
| Return on assets (ROA) | -2.5923% | 7,577 |
| Pretax return on assets | -2.5923% | 7,446 |
| Return on Equity (ROE) | -52.1712% | 7,926 |
| Retained earnings to average equity (ytd only) | -52.1712% | 7,923 |
| Net charge-offs to loans | 3.5676% | 434 |
| Credit loss provision to net charge-offs | 84.3599% | 5,078 |
| Earnings coverage of net charge-offs (x) | -0.0273% | 5,720 |
| Efficiency ratio | 102.2963% | 1,079 |
| Assets per employee ($millions) | 2.7403% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5899% | 834 |
| Loan loss allowance to noncurrent loans | 96.5116% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 2.4312% | 2,653 |
| Noncurrent loans to loans | 2.6835% | 2,682 |
| Net loans and leases to total assets | 81.0101% | 1,138 |
| Net loans and leases to deposits | 85.4053% | 3,664 |
| Net loans and leases to core deposits | 130.4602% | 1,526 |
| Total domestic deposits to total assets | 94.8537% | 39 |
| Equity capital to assets | 4.1772% | 8,090 |
| Core capital (leverage) ratio | 4.0764% | 8,087 |
| Tier 1 risk-based capital ratio | 5.3613% | 8,086 |
| Total risk-based capital ratio | 6.6299% | 8,091 |
| Memoranda: | ||
| Average total assets | $125,449,000 | 4,493 |
| Average earning assets | $111,258,000 | 4,597 |
| Average equity | $6,233,330 | 6,626 |
| Average total loans | $104,665,330 | 3,900 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2961% | 1,311 |
| Cost of funding earning assets | 3.0279% | 574 |
| Net interest margin | 3.2682% | 5,623 |
| Noninterest income to average assets | 0.6513% | 3,191 |
| Noninterest expense to average assets | 3.6106% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0790% | 6,377 |
| Return on assets (ROA) | -0.0790% | 6,496 |
| Pretax return on assets | -0.0790% | 6,461 |
| Return on Equity (ROE) | -1.4761% | 6,609 |
| Retained earnings to average equity (ytd only) | -1.4761% | 5,994 |
| Net charge-offs to loans | 1.5210% | 951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.0622% | 5,036 |
| Efficiency ratio | 102.2381% | 1,042 |
| Assets per employee ($millions) | 2.9291% | 6,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4060% | 839 |
| Loan loss allowance to noncurrent loans | 64.0987% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 3.1820% | 1,751 |
| Noncurrent loans to loans | 3.7536% | 1,652 |
| Net loans and leases to total assets | 80.1304% | 1,362 |
| Net loans and leases to deposits | 85.4582% | 3,723 |
| Net loans and leases to core deposits | 131.6489% | 1,560 |
| Total domestic deposits to total assets | 93.7655% | 48 |
| Equity capital to assets | 5.2747% | 8,095 |
| Core capital (leverage) ratio | 5.2851% | 8,099 |
| Tier 1 risk-based capital ratio | 6.7584% | 8,112 |
| Total risk-based capital ratio | 8.0258% | 8,121 |
| Memoranda: | ||
| Average total assets | $126,517,000 | 4,481 |
| Average earning assets | $111,498,000 | 4,596 |
| Average equity | $6,774,500 | 6,493 |
| Average total loans | $105,722,000 | 3,891 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3989% | 494 |
| Cost of funding earning assets | 3.4446% | 616 |
| Net interest margin | 3.9543% | 3,340 |
| Noninterest income to average assets | 0.3866% | 5,584 |
| Noninterest expense to average assets | 3.6393% | 2,063 |
| Loan and lease loss provision to assets | 2.3548% | 467 |
| Net operating income to assets | -1.7394% | 7,540 |
| Return on assets (ROA) | -1.8032% | 7,514 |
| Pretax return on assets | -2.1076% | 7,472 |
| Return on Equity (ROE) | -26.0810% | 7,882 |
| Retained earnings to average equity (ytd only) | -26.0810% | 7,830 |
| Net charge-offs to loans | 1.1825% | 1,025 |
| Credit loss provision to net charge-offs | 238.8889% | 1,975 |
| Earnings coverage of net charge-offs (x) | 0.3260% | 6,033 |
| Efficiency ratio | 91.8869% | 1,388 |
| Assets per employee ($millions) | 2.8217% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7910% | 517 |
| Loan loss allowance to noncurrent loans | 108.2232% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 2.2303% | 2,190 |
| Noncurrent loans to loans | 2.5789% | 2,101 |
| Net loans and leases to total assets | 82.7021% | 1,101 |
| Net loans and leases to deposits | 88.3594% | 3,748 |
| Net loans and leases to core deposits | 139.1999% | 1,306 |
| Total domestic deposits to total assets | 93.5975% | 38 |
| Equity capital to assets | 5.4376% | 8,139 |
| Core capital (leverage) ratio | 5.2823% | 8,187 |
| Tier 1 risk-based capital ratio | 6.8295% | 8,185 |
| Total risk-based capital ratio | 8.1022% | 8,192 |
| Memoranda: | ||
| Average total assets | $124,170,800 | 4,415 |
| Average earning assets | $112,233,000 | 4,464 |
| Average equity | $8,584,800 | 5,879 |
| Average total loans | $103,512,800 | 3,862 |