Home > Provident Municipal Bank > Performance and Condition Ratios
Provident Municipal Bank, Performance and Condition Ratios
| 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 | 1.0070% | 6,856 |
| Cost of funding earning assets | 0.1975% | 6,408 |
| Net interest margin | 0.8095% | 6,854 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 0.3286% | 6,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3204% | 5,542 |
| Return on assets (ROA) | 0.6153% | 4,406 |
| Pretax return on assets | 0.7980% | 4,297 |
| Return on Equity (ROE) | 6.4144% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.4144% | 2,179 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1952% | 6,648 |
| Assets per employee ($millions) | 136.6018% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 92.3689% | 196 |
| Equity capital to assets | 7.4504% | 6,411 |
| Core capital (leverage) ratio | 12.1315% | 1,598 |
| Tier 1 risk-based capital ratio | 22.0268% | 1,313 |
| Total risk-based capital ratio | 22.0268% | 1,510 |
| Memoranda: | ||
| Average total assets | $639,413,750 | 1,056 |
| Average earning assets | $587,311,500 | 1,050 |
| Average equity | $61,339,250 | 1,183 |
| Average total loans | $17,250 | 6,857 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1524% | 6,900 |
| Cost of funding earning assets | 0.2434% | 6,227 |
| Net interest margin | 0.9091% | 6,901 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 0.3697% | 6,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3792% | 5,295 |
| Return on assets (ROA) | 0.6587% | 4,180 |
| Pretax return on assets | 0.8230% | 4,232 |
| Return on Equity (ROE) | 6.2118% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.2118% | 2,316 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8395% | 6,712 |
| Assets per employee ($millions) | 87.9702% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 0.0064% | 6,902 |
| Net loans and leases to deposits | 0.0073% | 6,902 |
| Net loans and leases to core deposits | 0.0074% | 6,890 |
| Total domestic deposits to total assets | 88.2053% | 2,107 |
| Equity capital to assets | 11.4952% | 2,299 |
| Core capital (leverage) ratio | 10.5933% | 2,776 |
| Tier 1 risk-based capital ratio | 37.7009% | 274 |
| Total risk-based capital ratio | 37.7009% | 290 |
| Memoranda: | ||
| Average total assets | $579,348,000 | 1,161 |
| Average earning assets | $537,479,000 | 1,138 |
| Average equity | $61,431,000 | 1,187 |
| Average total loans | $23,000 | 6,904 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1291% | 6,982 |
| Cost of funding earning assets | 0.2825% | 6,092 |
| Net interest margin | 0.8467% | 6,983 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 0.3920% | 7,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3560% | 5,327 |
| Return on assets (ROA) | 0.4978% | 4,834 |
| Pretax return on assets | 0.5599% | 5,081 |
| Return on Equity (ROE) | 4.8730% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.8730% | 3,314 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4579% | 6,533 |
| Assets per employee ($millions) | 85.9607% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 0.0052% | 6,980 |
| Net loans and leases to deposits | 0.0058% | 6,980 |
| Net loans and leases to core deposits | 0.0060% | 6,967 |
| Total domestic deposits to total assets | 89.2551% | 1,525 |
| Equity capital to assets | 10.2853% | 3,814 |
| Core capital (leverage) ratio | 7.8340% | 6,262 |
| Tier 1 risk-based capital ratio | 31.3644% | 473 |
| Total risk-based capital ratio | 31.3644% | 519 |
| Memoranda: | ||
| Average total assets | $605,111,500 | 1,118 |
| Average earning assets | $566,454,500 | 1,091 |
| Average equity | $61,809,500 | 1,190 |
| Average total loans | $17,500 | 6,983 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0522% | 7,041 |
| Cost of funding earning assets | 0.2290% | 6,753 |
| Net interest margin | 0.8232% | 7,037 |
| Noninterest income to average assets | 0.0006% | 6,817 |
| Noninterest expense to average assets | 0.3186% | 7,060 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3706% | 5,216 |
| Return on assets (ROA) | 0.8091% | 3,495 |
| Pretax return on assets | 1.0531% | 3,346 |
| Return on Equity (ROE) | 8.7666% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.7666% | 889 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7177% | 6,932 |
| Assets per employee ($millions) | 86.9283% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 0.0007% | 7,046 |
| Net loans and leases to deposits | 0.0007% | 7,046 |
| Net loans and leases to core deposits | 0.0008% | 7,033 |
| Total domestic deposits to total assets | 88.4493% | 1,927 |
| Equity capital to assets | 10.1447% | 3,974 |
| Core capital (leverage) ratio | 7.7457% | 6,377 |
| Tier 1 risk-based capital ratio | 30.3568% | 503 |
| Total risk-based capital ratio | 30.3568% | 544 |
| Memoranda: | ||
| Average total assets | $653,404,400 | 1,009 |
| Average earning assets | $636,262,000 | 945 |
| Average equity | $60,308,400 | 1,184 |
| Average total loans | $98,600 | 7,048 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0243% | 7,156 |
| Cost of funding earning assets | 0.2082% | 6,932 |
| Net interest margin | 0.8161% | 7,153 |
| Noninterest income to average assets | 0.0006% | 6,933 |
| Noninterest expense to average assets | 0.3023% | 7,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3764% | 5,344 |
| Return on assets (ROA) | 0.9094% | 3,167 |
| Pretax return on assets | 1.2115% | 2,949 |
| Return on Equity (ROE) | 10.0810% | 2,315 |
| Retained earnings to average equity (ytd only) | 10.0810% | 895 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6374% | 7,051 |
| Assets per employee ($millions) | 243.3405% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 0.0502% | 7,145 |
| Net loans and leases to deposits | 0.0542% | 7,146 |
| Net loans and leases to core deposits | 0.0545% | 7,134 |
| Total domestic deposits to total assets | 92.6417% | 143 |
| Equity capital to assets | 6.3006% | 6,968 |
| Core capital (leverage) ratio | 9.8096% | 3,804 |
| Tier 1 risk-based capital ratio | 22.6406% | 1,232 |
| Total risk-based capital ratio | 22.6406% | 1,410 |
| Memoranda: | ||
| Average total assets | $664,631,000 | 991 |
| Average earning assets | $653,695,000 | 926 |
| Average equity | $59,953,000 | 1,195 |
| Average total loans | $122,250 | 7,145 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2446% | 7,215 |
| Cost of funding earning assets | 0.2589% | 6,883 |
| Net interest margin | 0.9858% | 7,208 |
| Noninterest income to average assets | 0.0011% | 6,984 |
| Noninterest expense to average assets | 0.3650% | 7,228 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4705% | 4,949 |
| Return on assets (ROA) | 1.0016% | 2,674 |
| Pretax return on assets | 1.2939% | 2,579 |
| Return on Equity (ROE) | 9.4563% | 2,591 |
| Retained earnings to average equity (ytd only) | 9.4563% | 1,128 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6561% | 7,098 |
| Assets per employee ($millions) | 136.2250% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 88.0477% | 2,111 |
| Equity capital to assets | 11.0486% | 3,064 |
| Core capital (leverage) ratio | 9.0759% | 4,798 |
| Tier 1 risk-based capital ratio | 33.4614% | 390 |
| Total risk-based capital ratio | 33.4614% | 428 |
| Memoranda: | ||
| Average total assets | $561,720,670 | 1,198 |
| Average earning assets | $551,661,000 | 1,104 |
| Average equity | $59,494,670 | 1,197 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2575% | 7,279 |
| Cost of funding earning assets | 0.2641% | 6,966 |
| Net interest margin | 0.9934% | 7,273 |
| Noninterest income to average assets | 0.0021% | 7,085 |
| Noninterest expense to average assets | 0.3662% | 7,291 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4627% | 4,987 |
| Return on assets (ROA) | 1.0910% | 2,321 |
| Pretax return on assets | 1.4474% | 2,027 |
| Return on Equity (ROE) | 10.5174% | 2,225 |
| Retained earnings to average equity (ytd only) | 10.5174% | 1,158 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5270% | 7,160 |
| Assets per employee ($millions) | 167.6868% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 90.5195% | 792 |
| Equity capital to assets | 8.8249% | 5,723 |
| Core capital (leverage) ratio | 8.0957% | 6,165 |
| Tier 1 risk-based capital ratio | 25.5929% | 844 |
| Total risk-based capital ratio | 25.5929% | 956 |
| Memoranda: | ||
| Average total assets | $570,131,000 | 1,183 |
| Average earning assets | $558,872,500 | 1,096 |
| Average equity | $59,140,000 | 1,201 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3355% | 7,319 |
| Cost of funding earning assets | 0.2931% | 7,117 |
| Net interest margin | 1.0424% | 7,316 |
| Noninterest income to average assets | 0.0002% | 6,981 |
| Noninterest expense to average assets | 0.3781% | 7,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6366% | 3,800 |
| Return on assets (ROA) | 0.8833% | 2,808 |
| Pretax return on assets | 0.8873% | 3,648 |
| Return on Equity (ROE) | 7.8635% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.8635% | 1,129 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1181% | 7,242 |
| Assets per employee ($millions) | 117.3788% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 85.5172% | 3,586 |
| Equity capital to assets | 12.5847% | 1,755 |
| Core capital (leverage) ratio | 8.9759% | 4,830 |
| Tier 1 risk-based capital ratio | 35.3248% | 327 |
| Total risk-based capital ratio | 35.3248% | 358 |
| Memoranda: | ||
| Average total assets | $475,485,200 | 1,393 |
| Average earning assets | $464,623,200 | 1,322 |
| Average equity | $53,411,600 | 1,270 |
| Average total loans | $9,800 | 7,325 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2566% | 7,400 |
| Cost of funding earning assets | 0.2943% | 7,218 |
| Net interest margin | 0.9624% | 7,394 |
| Noninterest income to average assets | 0.0003% | 7,099 |
| Noninterest expense to average assets | 0.3768% | 7,415 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6343% | 3,945 |
| Return on assets (ROA) | 0.7919% | 3,371 |
| Pretax return on assets | 0.7209% | 4,398 |
| Return on Equity (ROE) | 7.2649% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.2649% | 1,827 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0833% | 7,259 |
| Assets per employee ($millions) | 170.2045% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 0.0059% | 7,400 |
| Net loans and leases to deposits | 0.0065% | 7,399 |
| Net loans and leases to core deposits | 0.0066% | 7,384 |
| Total domestic deposits to total assets | 90.3081% | 717 |
| Equity capital to assets | 8.2417% | 6,534 |
| Core capital (leverage) ratio | 11.8587% | 1,783 |
| Tier 1 risk-based capital ratio | 23.5114% | 1,070 |
| Total risk-based capital ratio | 23.5114% | 1,222 |
| Memoranda: | ||
| Average total assets | $476,977,750 | 1,401 |
| Average earning assets | $465,780,500 | 1,314 |
| Average equity | $51,992,750 | 1,310 |
| Average total loans | $12,250 | 7,404 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4392% | 7,469 |
| Cost of funding earning assets | 0.3696% | 7,190 |
| Net interest margin | 1.0696% | 7,469 |
| Noninterest income to average assets | 0.0005% | 7,186 |
| Noninterest expense to average assets | 0.4670% | 7,489 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6909% | 3,587 |
| Return on assets (ROA) | 0.8479% | 2,964 |
| Pretax return on assets | 0.7290% | 4,278 |
| Return on Equity (ROE) | 6.8510% | 3,512 |
| Retained earnings to average equity (ytd only) | 6.8510% | 1,947 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9412% | 7,204 |
| Assets per employee ($millions) | 105.7360% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 86.9952% | 2,738 |
| Equity capital to assets | 12.5076% | 1,774 |
| Core capital (leverage) ratio | 11.4369% | 1,951 |
| Tier 1 risk-based capital ratio | 31.6693% | 467 |
| Total risk-based capital ratio | 31.6693% | 504 |
| Memoranda: | ||
| Average total assets | $409,031,000 | 1,608 |
| Average earning assets | $397,159,330 | 1,524 |
| Average equity | $50,620,000 | 1,328 |
| Average total loans | $3,000 | 7,478 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4848% | 7,529 |
| Cost of funding earning assets | 0.3814% | 7,262 |
| Net interest margin | 1.1034% | 7,528 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 0.5312% | 7,550 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6148% | 3,968 |
| Return on assets (ROA) | 0.9342% | 2,493 |
| Pretax return on assets | 0.8615% | 3,657 |
| Return on Equity (ROE) | 7.5909% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.5909% | 1,896 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4903% | 7,029 |
| Assets per employee ($millions) | 116.6245% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 0.0019% | 7,536 |
| Net loans and leases to deposits | 0.0022% | 7,536 |
| Net loans and leases to core deposits | 0.0022% | 7,520 |
| Total domestic deposits to total assets | 88.7614% | 1,920 |
| Equity capital to assets | 10.7385% | 2,943 |
| Core capital (leverage) ratio | 10.4626% | 2,654 |
| Tier 1 risk-based capital ratio | 28.5314% | 603 |
| Total risk-based capital ratio | 28.5314% | 670 |
| Memoranda: | ||
| Average total assets | $402,074,500 | 1,645 |
| Average earning assets | $391,164,000 | 1,549 |
| Average equity | $49,480,000 | 1,349 |
| Average total loans | $4,500 | 7,537 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3698% | 7,588 |
| Cost of funding earning assets | 0.3313% | 7,481 |
| Net interest margin | 1.0384% | 7,581 |
| Noninterest income to average assets | 0.0002% | 7,281 |
| Noninterest expense to average assets | 0.4668% | 7,615 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7036% | 3,218 |
| Return on assets (ROA) | 0.7590% | 3,081 |
| Pretax return on assets | 0.6030% | 4,317 |
| Return on Equity (ROE) | 6.3209% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.3209% | 1,653 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0155% | 7,349 |
| Assets per employee ($millions) | 84.4128% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 84.6522% | 4,028 |
| Equity capital to assets | 14.4720% | 910 |
| Core capital (leverage) ratio | 11.5952% | 1,788 |
| Tier 1 risk-based capital ratio | 36.0221% | 320 |
| Total risk-based capital ratio | 36.0221% | 347 |
| Memoranda: | ||
| Average total assets | $405,776,800 | 1,628 |
| Average earning assets | $396,271,800 | 1,531 |
| Average equity | $48,727,200 | 1,369 |
| Average total loans | $10,800 | 7,616 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3046% | 7,713 |
| Cost of funding earning assets | 0.3155% | 7,627 |
| Net interest margin | 0.9892% | 7,707 |
| Noninterest income to average assets | 0.0003% | 7,436 |
| Noninterest expense to average assets | 0.4680% | 7,734 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6509% | 3,641 |
| Return on assets (ROA) | 0.7218% | 3,471 |
| Pretax return on assets | 0.5723% | 4,682 |
| Return on Equity (ROE) | 6.2677% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.2677% | 2,224 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2759% | 7,254 |
| Assets per employee ($millions) | 142.4080% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 0.0086% | 7,717 |
| Net loans and leases to deposits | 0.0095% | 7,717 |
| Net loans and leases to core deposits | 0.0096% | 7,699 |
| Total domestic deposits to total assets | 90.1916% | 778 |
| Equity capital to assets | 9.1556% | 5,379 |
| Core capital (leverage) ratio | 13.3455% | 1,101 |
| Tier 1 risk-based capital ratio | 23.3043% | 1,027 |
| Total risk-based capital ratio | 23.3043% | 1,170 |
| Memoranda: | ||
| Average total assets | $422,808,250 | 1,596 |
| Average earning assets | $414,209,750 | 1,485 |
| Average equity | $48,692,750 | 1,382 |
| Average total loans | $13,500 | 7,719 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4742% | 7,787 |
| Cost of funding earning assets | 0.3868% | 7,665 |
| Net interest margin | 1.0874% | 7,775 |
| Noninterest income to average assets | 0.0005% | 7,523 |
| Noninterest expense to average assets | 0.4782% | 7,805 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7746% | 3,091 |
| Return on assets (ROA) | 0.8169% | 3,041 |
| Pretax return on assets | 0.6323% | 4,469 |
| Return on Equity (ROE) | 6.4242% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.4242% | 2,113 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7672% | 7,497 |
| Assets per employee ($millions) | 88.2123% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 84.8448% | 3,710 |
| Equity capital to assets | 13.9657% | 1,167 |
| Core capital (leverage) ratio | 11.8025% | 1,754 |
| Tier 1 risk-based capital ratio | 51.0268% | 153 |
| Total risk-based capital ratio | 51.0268% | 156 |
| Memoranda: | ||
| Average total assets | $373,867,000 | 1,798 |
| Average earning assets | $367,126,670 | 1,676 |
| Average equity | $47,539,330 | 1,412 |
| Average total loans | $1,670 | 7,788 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3645% | 7,896 |
| Cost of funding earning assets | 0.4055% | 7,770 |
| Net interest margin | 0.9589% | 7,884 |
| Noninterest income to average assets | 0.0010% | 7,654 |
| Noninterest expense to average assets | 0.4444% | 7,910 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6983% | 3,447 |
| Return on assets (ROA) | 0.7368% | 3,378 |
| Pretax return on assets | 0.5401% | 4,818 |
| Return on Equity (ROE) | 6.0681% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.0681% | 2,591 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9747% | 7,500 |
| Assets per employee ($millions) | 108.4363% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 0.0012% | 7,887 |
| Net loans and leases to deposits | 0.0014% | 7,888 |
| Net loans and leases to core deposits | 0.0015% | 7,869 |
| Total domestic deposits to total assets | 83.0767% | 4,584 |
| Equity capital to assets | 10.8303% | 2,928 |
| Core capital (leverage) ratio | 10.2994% | 2,808 |
| Tier 1 risk-based capital ratio | 44.1209% | 198 |
| Total risk-based capital ratio | 44.1209% | 209 |
| Memoranda: | ||
| Average total assets | $384,376,000 | 1,799 |
| Average earning assets | $378,753,000 | 1,668 |
| Average equity | $46,670,000 | 1,445 |
| Average total loans | $2,500 | 7,890 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6588% | 7,902 |
| Cost of funding earning assets | 0.7257% | 7,655 |
| Net interest margin | 1.9331% | 7,770 |
| Noninterest income to average assets | 0.0002% | 7,692 |
| Noninterest expense to average assets | 0.4555% | 7,985 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0847% | 1,553 |
| Return on assets (ROA) | 1.6144% | 561 |
| Pretax return on assets | 2.1802% | 285 |
| Return on Equity (ROE) | 14.9106% | 683 |
| Retained earnings to average equity (ytd only) | 14.9106% | 96 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.7253% | 7,971 |
| Assets per employee ($millions) | 83.7518% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 76.9148% | 6,503 |
| Equity capital to assets | 13.8397% | 1,211 |
| Core capital (leverage) ratio | 11.0025% | 2,222 |
| Tier 1 risk-based capital ratio | 48.0821% | 170 |
| Total risk-based capital ratio | 48.0821% | 177 |
| Memoranda: | ||
| Average total assets | $403,499,000 | 1,698 |
| Average earning assets | $400,700,000 | 1,588 |
| Average equity | $43,687,000 | 1,531 |
| Average total loans | $64,600 | 7,965 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9934% | 7,985 |
| Cost of funding earning assets | 0.7935% | 7,700 |
| Net interest margin | 2.1999% | 7,708 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 0.4393% | 8,078 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0883% | 1,774 |
| Return on assets (ROA) | 1.5703% | 759 |
| Pretax return on assets | 2.5004% | 193 |
| Return on Equity (ROE) | 15.3545% | 727 |
| Retained earnings to average equity (ytd only) | 15.3545% | 149 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.0928% | 8,055 |
| Assets per employee ($millions) | 131.9083% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 0.0152% | 8,050 |
| Net loans and leases to deposits | 0.0170% | 8,050 |
| Net loans and leases to core deposits | 0.0184% | 8,040 |
| Total domestic deposits to total assets | 89.1093% | 1,152 |
| Equity capital to assets | 8.9560% | 5,544 |
| Core capital (leverage) ratio | 13.4109% | 1,259 |
| Tier 1 risk-based capital ratio | 34.2683% | 401 |
| Total risk-based capital ratio | 34.2683% | 429 |
| Memoranda: | ||
| Average total assets | $420,622,000 | 1,662 |
| Average earning assets | $418,062,500 | 1,527 |
| Average equity | $43,017,750 | 1,572 |
| Average total loans | $80,750 | 8,048 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2127% | 7,820 |
| Cost of funding earning assets | 1.1012% | 7,375 |
| Net interest margin | 3.1115% | 6,198 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.5372% | 8,166 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4260% | 967 |
| Return on assets (ROA) | 2.1073% | 254 |
| Pretax return on assets | 3.6264% | 66 |
| Return on Equity (ROE) | 19.4975% | 369 |
| Retained earnings to average equity (ytd only) | 19.4975% | 80 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.3345% | 8,152 |
| Assets per employee ($millions) | 74.9680% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 0.0290% | 8,142 |
| Net loans and leases to deposits | 0.0345% | 8,142 |
| Net loans and leases to core deposits | 0.0385% | 8,132 |
| Total domestic deposits to total assets | 84.1402% | 3,684 |
| Equity capital to assets | 14.3911% | 1,193 |
| Core capital (leverage) ratio | 11.1010% | 2,330 |
| Tier 1 risk-based capital ratio | 71.3332% | 100 |
| Total risk-based capital ratio | 71.3332% | 103 |
| Memoranda: | ||
| Average total assets | $384,951,670 | 1,816 |
| Average earning assets | $383,414,670 | 1,689 |
| Average equity | $41,605,330 | 1,635 |
| Average total loans | $81,000 | 8,142 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9833% | 6,971 |
| Cost of funding earning assets | 1.2547% | 7,163 |
| Net interest margin | 3.7286% | 3,769 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.3705% | 8,223 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1728% | 243 |
| Return on assets (ROA) | 2.7968% | 104 |
| Pretax return on assets | 4.3042% | 53 |
| Return on Equity (ROE) | 29.2820% | 110 |
| Retained earnings to average equity (ytd only) | 29.2820% | 56 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.9748% | 8,210 |
| Assets per employee ($millions) | 119.3748% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 0.0327% | 8,193 |
| Net loans and leases to deposits | 0.0361% | 8,194 |
| Net loans and leases to core deposits | 0.0519% | 8,183 |
| Total domestic deposits to total assets | 90.4169% | 631 |
| Equity capital to assets | 8.8637% | 5,533 |
| Core capital (leverage) ratio | 8.4637% | 5,610 |
| Tier 1 risk-based capital ratio | 28.3356% | 730 |
| Total risk-based capital ratio | 28.3356% | 796 |
| Memoranda: | ||
| Average total assets | $427,491,500 | 1,665 |
| Average earning assets | $425,902,000 | 1,527 |
| Average equity | $40,830,500 | 1,661 |
| Average total loans | $78,000 | 8,192 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5789% | 8,135 |
| Cost of funding earning assets | 1.5910% | 7,468 |
| Net interest margin | 1.9879% | 8,071 |
| Noninterest income to average assets | 0.1000% | 7,632 |
| Noninterest expense to average assets | 0.4142% | 8,265 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3848% | 1,264 |
| Return on assets (ROA) | 1.3905% | 1,199 |
| Pretax return on assets | 1.6634% | 1,233 |
| Return on Equity (ROE) | 12.8495% | 1,370 |
| Retained earnings to average equity (ytd only) | 12.8495% | 172 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.0000% | 8,262 |
| Assets per employee ($millions) | 94.3710% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 88.7948% | 1,114 |
| Equity capital to assets | 10.4208% | 3,589 |
| Core capital (leverage) ratio | 10.6056% | 2,901 |
| Tier 1 risk-based capital ratio | 51.3610% | 207 |
| Total risk-based capital ratio | 51.3610% | 215 |
| Memoranda: | ||
| Average total assets | $327,874,200 | 2,037 |
| Average earning assets | $325,074,200 | 1,876 |
| Average equity | $35,480,000 | 1,902 |
| Average total loans | $26,000 | 8,250 |