Home > Carrollton Bank > Performance and Condition Ratios
Carrollton Bank, Performance and Condition Ratios
| 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 | 4.3500% | 2,693 |
| Cost of funding earning assets | 0.8113% | 1,468 |
| Net interest margin | 3.5387% | 3,532 |
| Noninterest income to average assets | 2.6184% | 299 |
| Noninterest expense to average assets | 5.1468% | 337 |
| Loan and lease loss provision to assets | 0.7102% | 332 |
| Net operating income to assets | 0.0427% | 6,271 |
| Return on assets (ROA) | 0.0427% | 6,355 |
| Pretax return on assets | 0.0121% | 6,392 |
| Return on Equity (ROE) | 0.4663% | 6,337 |
| Retained earnings to average equity (ytd only) | 0.4663% | 5,639 |
| Net charge-offs to loans | -0.0689% | 6,270 |
| Credit loss provision to net charge-offs | -1,296.0000% | 5,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6937% | 1,355 |
| Assets per employee ($millions) | 2.6780% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9639% | 2,135 |
| Loan loss allowance to noncurrent loans | 137.7561% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.4876% | 3,031 |
| Noncurrent loans to loans | 1.4256% | 3,431 |
| Net loans and leases to total assets | 73.7136% | 1,114 |
| Net loans and leases to deposits | 82.4611% | 1,770 |
| Net loans and leases to core deposits | 91.9480% | 1,508 |
| Total domestic deposits to total assets | 89.3919% | 1,424 |
| Equity capital to assets | 9.1487% | 5,312 |
| Core capital (leverage) ratio | 9.7981% | 3,667 |
| Tier 1 risk-based capital ratio | 11.5356% | 6,171 |
| Total risk-based capital ratio | 12.8233% | 6,113 |
| Memoranda: | ||
| Average total assets | $364,962,000 | 1,808 |
| Average earning assets | $335,262,500 | 1,807 |
| Average equity | $33,455,000 | 2,110 |
| Average total loans | $290,320,000 | 1,460 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 2,091 |
| Cost of funding earning assets | 0.9070% | 1,899 |
| Net interest margin | 3.9235% | 2,728 |
| Noninterest income to average assets | 2.3704% | 339 |
| Noninterest expense to average assets | 4.9625% | 387 |
| Loan and lease loss provision to assets | 0.3239% | 2,103 |
| Net operating income to assets | 0.4576% | 4,849 |
| Return on assets (ROA) | 0.3188% | 5,611 |
| Pretax return on assets | 0.4608% | 5,394 |
| Return on Equity (ROE) | 3.5863% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.5863% | 3,686 |
| Net charge-offs to loans | 0.4028% | 2,644 |
| Credit loss provision to net charge-offs | 99.4167% | 3,118 |
| Earnings coverage of net charge-offs (x) | 3.0258% | 3,917 |
| Efficiency ratio | 83.4254% | 1,696 |
| Assets per employee ($millions) | 2.6695% | 6,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 3,644 |
| Loan loss allowance to noncurrent loans | 117.1464% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.7155% | 2,825 |
| Noncurrent loans to loans | 1.3022% | 3,662 |
| Net loans and leases to total assets | 82.6081% | 288 |
| Net loans and leases to deposits | 92.9039% | 836 |
| Net loans and leases to core deposits | 99.8348% | 1,039 |
| Total domestic deposits to total assets | 88.9178% | 1,619 |
| Equity capital to assets | 9.1846% | 5,286 |
| Core capital (leverage) ratio | 9.7191% | 3,776 |
| Tier 1 risk-based capital ratio | 10.7251% | 6,460 |
| Total risk-based capital ratio | 12.0031% | 6,418 |
| Memoranda: | ||
| Average total assets | $368,285,000 | 1,767 |
| Average earning assets | $335,848,000 | 1,766 |
| Average equity | $32,735,600 | 2,110 |
| Average total loans | $297,888,200 | 1,407 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8920% | 2,042 |
| Cost of funding earning assets | 0.9218% | 2,036 |
| Net interest margin | 3.9702% | 2,625 |
| Noninterest income to average assets | 2.4760% | 314 |
| Noninterest expense to average assets | 4.9942% | 365 |
| Loan and lease loss provision to assets | 0.3950% | 1,625 |
| Net operating income to assets | 0.4936% | 4,868 |
| Return on assets (ROA) | 0.3061% | 5,797 |
| Pretax return on assets | 0.4395% | 5,623 |
| Return on Equity (ROE) | 3.4724% | 5,503 |
| Retained earnings to average equity (ytd only) | 3.4724% | 4,423 |
| Net charge-offs to loans | 0.4703% | 2,217 |
| Credit loss provision to net charge-offs | 104.7939% | 2,809 |
| Earnings coverage of net charge-offs (x) | 2.9243% | 3,858 |
| Efficiency ratio | 81.9195% | 1,819 |
| Assets per employee ($millions) | 2.7247% | 6,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 3,602 |
| Loan loss allowance to noncurrent loans | 308.9610% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 1.4308% | 3,461 |
| Noncurrent loans to loans | 0.5113% | 5,418 |
| Net loans and leases to total assets | 78.2706% | 698 |
| Net loans and leases to deposits | 87.5833% | 1,403 |
| Net loans and leases to core deposits | 97.3243% | 1,309 |
| Total domestic deposits to total assets | 89.3670% | 1,207 |
| Equity capital to assets | 8.7819% | 6,034 |
| Core capital (leverage) ratio | 9.7282% | 3,906 |
| Tier 1 risk-based capital ratio | 11.2614% | 6,379 |
| Total risk-based capital ratio | 12.5388% | 6,327 |
| Memoranda: | ||
| Average total assets | $368,926,000 | 1,786 |
| Average earning assets | $336,432,000 | 1,787 |
| Average equity | $32,522,000 | 2,138 |
| Average total loans | $295,661,500 | 1,433 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 1,946 |
| Cost of funding earning assets | 0.9501% | 2,066 |
| Net interest margin | 3.9933% | 2,532 |
| Noninterest income to average assets | 2.2179% | 346 |
| Noninterest expense to average assets | 5.0490% | 362 |
| Loan and lease loss provision to assets | 0.3719% | 1,762 |
| Net operating income to assets | 0.4709% | 4,946 |
| Return on assets (ROA) | 0.0438% | 6,406 |
| Pretax return on assets | 0.0044% | 6,442 |
| Return on Equity (ROE) | 0.4957% | 6,392 |
| Retained earnings to average equity (ytd only) | 0.4957% | 5,870 |
| Net charge-offs to loans | 0.5568% | 1,918 |
| Credit loss provision to net charge-offs | 83.1296% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.7958% | 4,079 |
| Efficiency ratio | 86.2710% | 1,406 |
| Assets per employee ($millions) | 2.5334% | 6,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 3,742 |
| Loan loss allowance to noncurrent loans | 204.9349% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 1.9178% | 2,886 |
| Noncurrent loans to loans | 0.7613% | 4,986 |
| Net loans and leases to total assets | 80.1217% | 495 |
| Net loans and leases to deposits | 90.0642% | 1,145 |
| Net loans and leases to core deposits | 98.8216% | 1,190 |
| Total domestic deposits to total assets | 88.9606% | 1,528 |
| Equity capital to assets | 9.0324% | 5,665 |
| Core capital (leverage) ratio | 9.6003% | 4,000 |
| Tier 1 risk-based capital ratio | 10.9283% | 6,532 |
| Total risk-based capital ratio | 12.2031% | 6,500 |
| Memoranda: | ||
| Average total assets | $365,656,330 | 1,803 |
| Average earning assets | $332,807,330 | 1,806 |
| Average equity | $32,276,000 | 2,137 |
| Average total loans | $293,816,670 | 1,445 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 1,887 |
| Cost of funding earning assets | 0.9791% | 2,109 |
| Net interest margin | 4.0204% | 2,414 |
| Noninterest income to average assets | 2.3461% | 329 |
| Noninterest expense to average assets | 5.1870% | 328 |
| Loan and lease loss provision to assets | 0.1563% | 3,428 |
| Net operating income to assets | 0.4686% | 4,965 |
| Return on assets (ROA) | -0.0738% | 6,598 |
| Pretax return on assets | -0.1910% | 6,657 |
| Return on Equity (ROE) | -0.8456% | 6,613 |
| Retained earnings to average equity (ytd only) | -0.8456% | 6,134 |
| Net charge-offs to loans | 0.0897% | 3,621 |
| Credit loss provision to net charge-offs | 218.1818% | 1,267 |
| Earnings coverage of net charge-offs (x) | 11.3485% | 1,678 |
| Efficiency ratio | 86.4532% | 1,434 |
| Assets per employee ($millions) | 2.7559% | 6,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 3,590 |
| Loan loss allowance to noncurrent loans | 129.9427% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 2.3513% | 2,533 |
| Noncurrent loans to loans | 1.2593% | 4,228 |
| Net loans and leases to total assets | 76.9835% | 700 |
| Net loans and leases to deposits | 86.1281% | 1,406 |
| Net loans and leases to core deposits | 96.8178% | 1,219 |
| Total domestic deposits to total assets | 89.3826% | 1,434 |
| Equity capital to assets | 8.6854% | 5,892 |
| Core capital (leverage) ratio | 9.5286% | 4,011 |
| Tier 1 risk-based capital ratio | 11.0602% | 6,510 |
| Total risk-based capital ratio | 12.3360% | 6,482 |
| Memoranda: | ||
| Average total assets | $368,615,000 | 1,798 |
| Average earning assets | $334,993,000 | 1,804 |
| Average equity | $32,167,500 | 2,140 |
| Average total loans | $294,326,500 | 1,443 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2769% | 1,780 |
| Cost of funding earning assets | 1.1295% | 2,477 |
| Net interest margin | 4.1475% | 2,239 |
| Noninterest income to average assets | 2.0763% | 357 |
| Noninterest expense to average assets | 4.8114% | 453 |
| Loan and lease loss provision to assets | 0.5769% | 1,794 |
| Net operating income to assets | 0.3334% | 5,134 |
| Return on assets (ROA) | 0.2182% | 5,670 |
| Pretax return on assets | 0.2966% | 5,563 |
| Return on Equity (ROE) | 2.5477% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.5477% | 4,417 |
| Net charge-offs to loans | 0.5759% | 2,720 |
| Credit loss provision to net charge-offs | 121.2479% | 2,614 |
| Earnings coverage of net charge-offs (x) | 2.1630% | 4,165 |
| Efficiency ratio | 82.3801% | 1,968 |
| Assets per employee ($millions) | 2.5899% | 6,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 3,676 |
| Loan loss allowance to noncurrent loans | 118.3586% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 2.4659% | 2,469 |
| Noncurrent loans to loans | 1.3312% | 4,155 |
| Net loans and leases to total assets | 80.1752% | 475 |
| Net loans and leases to deposits | 92.5954% | 915 |
| Net loans and leases to core deposits | 101.9731% | 1,027 |
| Total domestic deposits to total assets | 86.5866% | 2,985 |
| Equity capital to assets | 8.7686% | 5,833 |
| Core capital (leverage) ratio | 9.5475% | 3,947 |
| Tier 1 risk-based capital ratio | 10.3910% | 6,736 |
| Total risk-based capital ratio | 11.6630% | 6,701 |
| Memoranda: | ||
| Average total assets | $373,927,200 | 1,741 |
| Average earning assets | $339,363,000 | 1,749 |
| Average equity | $32,028,600 | 2,077 |
| Average total loans | $308,893,600 | 1,374 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2773% | 1,952 |
| Cost of funding earning assets | 1.1490% | 2,637 |
| Net interest margin | 4.1283% | 2,360 |
| Noninterest income to average assets | 2.0660% | 361 |
| Noninterest expense to average assets | 4.8534% | 419 |
| Loan and lease loss provision to assets | 0.7221% | 1,327 |
| Net operating income to assets | 0.2627% | 5,531 |
| Return on assets (ROA) | 0.0564% | 6,168 |
| Pretax return on assets | 0.0312% | 6,188 |
| Return on Equity (ROE) | 0.6618% | 6,139 |
| Retained earnings to average equity (ytd only) | 0.6618% | 5,750 |
| Net charge-offs to loans | 0.7583% | 2,049 |
| Credit loss provision to net charge-offs | 114.8900% | 2,846 |
| Earnings coverage of net charge-offs (x) | 1.5268% | 4,493 |
| Efficiency ratio | 83.4919% | 1,791 |
| Assets per employee ($millions) | 2.6382% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 4,149 |
| Loan loss allowance to noncurrent loans | 79.8775% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 3.0332% | 2,117 |
| Noncurrent loans to loans | 1.8657% | 3,547 |
| Net loans and leases to total assets | 81.1205% | 415 |
| Net loans and leases to deposits | 95.0586% | 754 |
| Net loans and leases to core deposits | 107.7796% | 777 |
| Total domestic deposits to total assets | 85.3374% | 3,592 |
| Equity capital to assets | 8.7673% | 6,017 |
| Core capital (leverage) ratio | 9.4193% | 4,275 |
| Tier 1 risk-based capital ratio | 10.2293% | 6,884 |
| Total risk-based capital ratio | 11.4975% | 6,862 |
| Memoranda: | ||
| Average total assets | $376,114,250 | 1,731 |
| Average earning assets | $341,376,500 | 1,747 |
| Average equity | $32,030,500 | 2,072 |
| Average total loans | $311,749,500 | 1,369 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2749% | 1,979 |
| Cost of funding earning assets | 1.1646% | 2,811 |
| Net interest margin | 4.1103% | 2,370 |
| Noninterest income to average assets | 1.8077% | 414 |
| Noninterest expense to average assets | 4.8865% | 404 |
| Loan and lease loss provision to assets | 0.8170% | 1,124 |
| Net operating income to assets | -0.0543% | 6,303 |
| Return on assets (ROA) | -0.2517% | 6,552 |
| Pretax return on assets | -0.4737% | 6,643 |
| Return on Equity (ROE) | -2.9840% | 6,590 |
| Retained earnings to average equity (ytd only) | -2.9840% | 6,372 |
| Net charge-offs to loans | 0.7578% | 1,983 |
| Credit loss provision to net charge-offs | 129.7980% | 2,349 |
| Earnings coverage of net charge-offs (x) | 1.0354% | 4,515 |
| Efficiency ratio | 88.2330% | 1,394 |
| Assets per employee ($millions) | 2.6716% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 4,196 |
| Loan loss allowance to noncurrent loans | 70.1508% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 3.2219% | 2,081 |
| Noncurrent loans to loans | 2.1179% | 3,327 |
| Net loans and leases to total assets | 81.8681% | 379 |
| Net loans and leases to deposits | 100.0571% | 491 |
| Net loans and leases to core deposits | 110.6646% | 700 |
| Total domestic deposits to total assets | 81.8214% | 5,224 |
| Equity capital to assets | 8.4513% | 6,235 |
| Core capital (leverage) ratio | 9.1820% | 4,440 |
| Tier 1 risk-based capital ratio | 9.8666% | 7,016 |
| Total risk-based capital ratio | 11.1341% | 7,013 |
| Memoranda: | ||
| Average total assets | $377,490,330 | 1,734 |
| Average earning assets | $342,602,670 | 1,750 |
| Average equity | $31,836,330 | 2,077 |
| Average total loans | $313,558,670 | 1,378 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1762% | 2,319 |
| Cost of funding earning assets | 1.1892% | 2,887 |
| Net interest margin | 3.9870% | 2,741 |
| Noninterest income to average assets | 1.8609% | 406 |
| Noninterest expense to average assets | 4.9031% | 397 |
| Loan and lease loss provision to assets | 0.1207% | 4,504 |
| Net operating income to assets | 0.3453% | 5,196 |
| Return on assets (ROA) | 0.2128% | 5,811 |
| Pretax return on assets | 0.2837% | 5,706 |
| Return on Equity (ROE) | 2.5254% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.5254% | 4,646 |
| Net charge-offs to loans | -0.0217% | 6,592 |
| Credit loss provision to net charge-offs | -670.5882% | 6,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4036% | 1,385 |
| Assets per employee ($millions) | 2.5668% | 6,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 4,473 |
| Loan loss allowance to noncurrent loans | 41.2177% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 4.1072% | 1,618 |
| Noncurrent loans to loans | 3.4982% | 2,128 |
| Net loans and leases to total assets | 81.4998% | 388 |
| Net loans and leases to deposits | 97.3724% | 604 |
| Net loans and leases to core deposits | 108.5910% | 811 |
| Total domestic deposits to total assets | 83.6991% | 4,623 |
| Equity capital to assets | 8.7090% | 5,645 |
| Core capital (leverage) ratio | 9.3590% | 4,037 |
| Tier 1 risk-based capital ratio | 9.8477% | 7,054 |
| Total risk-based capital ratio | 11.1119% | 7,053 |
| Memoranda: | ||
| Average total assets | $377,885,000 | 1,742 |
| Average earning assets | $343,419,500 | 1,753 |
| Average equity | $31,836,500 | 2,059 |
| Average total loans | $313,813,500 | 1,387 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3808% | 2,766 |
| Cost of funding earning assets | 1.4981% | 2,650 |
| Net interest margin | 3.8827% | 3,571 |
| Noninterest income to average assets | 1.8965% | 437 |
| Noninterest expense to average assets | 4.5066% | 645 |
| Loan and lease loss provision to assets | 1.0194% | 1,590 |
| Net operating income to assets | 0.0102% | 5,808 |
| Return on assets (ROA) | -0.2170% | 6,187 |
| Pretax return on assets | -0.4288% | 6,269 |
| Return on Equity (ROE) | -2.6146% | 6,240 |
| Retained earnings to average equity (ytd only) | -5.7497% | 6,361 |
| Net charge-offs to loans | 1.2361% | 1,817 |
| Credit loss provision to net charge-offs | 104.0284% | 4,323 |
| Earnings coverage of net charge-offs (x) | 0.9650% | 5,145 |
| Efficiency ratio | 82.3733% | 2,114 |
| Assets per employee ($millions) | 2.7194% | 6,652 |
| Cash dividends to net income (ytd only)* | -119.9085% | 7,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 4,844 |
| Loan loss allowance to noncurrent loans | 85.3843% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 2.5508% | 2,721 |
| Noncurrent loans to loans | 1.5597% | 4,159 |
| Net loans and leases to total assets | 82.2718% | 430 |
| Net loans and leases to deposits | 104.8377% | 367 |
| Net loans and leases to core deposits | 116.4661% | 627 |
| Total domestic deposits to total assets | 78.4754% | 6,221 |
| Equity capital to assets | 8.1530% | 6,316 |
| Core capital (leverage) ratio | 8.9963% | 4,562 |
| Tier 1 risk-based capital ratio | 9.6056% | 7,108 |
| Total risk-based capital ratio | 10.8423% | 7,118 |
| Memoranda: | ||
| Average total assets | $402,787,400 | 1,639 |
| Average earning assets | $368,869,000 | 1,632 |
| Average equity | $33,427,800 | 1,976 |
| Average total loans | $319,312,000 | 1,405 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3278% | 3,222 |
| Cost of funding earning assets | 1.5725% | 2,540 |
| Net interest margin | 3.7553% | 4,166 |
| Noninterest income to average assets | 1.9108% | 405 |
| Noninterest expense to average assets | 4.3671% | 689 |
| Loan and lease loss provision to assets | 0.5386% | 2,783 |
| Net operating income to assets | 0.4548% | 4,523 |
| Return on assets (ROA) | 0.1003% | 5,923 |
| Pretax return on assets | 0.0940% | 5,919 |
| Return on Equity (ROE) | 1.2030% | 5,847 |
| Retained earnings to average equity (ytd only) | -2.2645% | 6,250 |
| Net charge-offs to loans | 0.3854% | 3,746 |
| Credit loss provision to net charge-offs | 178.5016% | 2,064 |
| Earnings coverage of net charge-offs (x) | 3.2714% | 3,513 |
| Efficiency ratio | 81.1896% | 2,171 |
| Assets per employee ($millions) | 2.8836% | 6,414 |
| Cash dividends to net income (ytd only)* | 288.2350% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4924% | 3,999 |
| Loan loss allowance to noncurrent loans | 37.3479% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 4.3386% | 1,566 |
| Noncurrent loans to loans | 3.9960% | 1,877 |
| Net loans and leases to total assets | 80.4466% | 673 |
| Net loans and leases to deposits | 98.6898% | 746 |
| Net loans and leases to core deposits | 113.5280% | 861 |
| Total domestic deposits to total assets | 81.5146% | 5,197 |
| Equity capital to assets | 8.5476% | 6,222 |
| Core capital (leverage) ratio | 9.1997% | 4,371 |
| Tier 1 risk-based capital ratio | 9.7523% | 7,170 |
| Total risk-based capital ratio | 11.0183% | 7,159 |
| Memoranda: | ||
| Average total assets | $406,946,000 | 1,651 |
| Average earning assets | $373,155,250 | 1,640 |
| Average equity | $33,914,000 | 1,972 |
| Average total loans | $318,644,250 | 1,423 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2876% | 3,525 |
| Cost of funding earning assets | 1.6445% | 2,416 |
| Net interest margin | 3.6431% | 4,615 |
| Noninterest income to average assets | 1.7173% | 449 |
| Noninterest expense to average assets | 4.2420% | 770 |
| Loan and lease loss provision to assets | 0.3435% | 3,667 |
| Net operating income to assets | 0.4981% | 4,339 |
| Return on assets (ROA) | 0.0654% | 6,054 |
| Pretax return on assets | 0.0366% | 6,092 |
| Return on Equity (ROE) | 0.7910% | 6,009 |
| Retained earnings to average equity (ytd only) | -3.1345% | 6,319 |
| Net charge-offs to loans | 0.1466% | 4,767 |
| Credit loss provision to net charge-offs | 303.4483% | 1,203 |
| Earnings coverage of net charge-offs (x) | 7.1810% | 2,351 |
| Efficiency ratio | 83.3221% | 1,996 |
| Assets per employee ($millions) | 2.8424% | 6,474 |
| Cash dividends to net income (ytd only)* | 496.2687% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 4,320 |
| Loan loss allowance to noncurrent loans | 61.5147% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.6240% | 2,754 |
| Noncurrent loans to loans | 2.3135% | 3,353 |
| Net loans and leases to total assets | 78.7541% | 1,001 |
| Net loans and leases to deposits | 98.9288% | 801 |
| Net loans and leases to core deposits | 114.7049% | 891 |
| Total domestic deposits to total assets | 79.6069% | 5,857 |
| Equity capital to assets | 8.4388% | 6,241 |
| Core capital (leverage) ratio | 9.0157% | 4,576 |
| Tier 1 risk-based capital ratio | 9.7267% | 7,175 |
| Total risk-based capital ratio | 10.9910% | 7,154 |
| Memoranda: | ||
| Average total assets | $409,949,670 | 1,658 |
| Average earning assets | $375,560,670 | 1,645 |
| Average equity | $33,880,670 | 1,969 |
| Average total loans | $316,534,000 | 1,455 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 4,056 |
| Cost of funding earning assets | 1.6881% | 2,448 |
| Net interest margin | 3.5052% | 5,131 |
| Noninterest income to average assets | 1.6470% | 469 |
| Noninterest expense to average assets | 4.2497% | 766 |
| Loan and lease loss provision to assets | 0.1307% | 5,264 |
| Net operating income to assets | 0.3569% | 5,041 |
| Return on assets (ROA) | -0.1104% | 6,518 |
| Pretax return on assets | -0.2547% | 6,601 |
| Return on Equity (ROE) | -1.3495% | 6,564 |
| Retained earnings to average equity (ytd only) | -3.4329% | 6,416 |
| Net charge-offs to loans | -0.0102% | 6,897 |
| Credit loss provision to net charge-offs | -1,687.5000% | 6,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8993% | 1,697 |
| Assets per employee ($millions) | 2.9697% | 6,281 |
| Cash dividends to net income (ytd only)* | -154.3860% | 7,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 4,527 |
| Loan loss allowance to noncurrent loans | 55.8414% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 2.8130% | 2,586 |
| Noncurrent loans to loans | 2.4674% | 3,200 |
| Net loans and leases to total assets | 75.3939% | 1,660 |
| Net loans and leases to deposits | 94.4786% | 1,299 |
| Net loans and leases to core deposits | 108.4646% | 1,383 |
| Total domestic deposits to total assets | 79.7999% | 5,857 |
| Equity capital to assets | 8.4150% | 6,142 |
| Core capital (leverage) ratio | 8.8693% | 4,769 |
| Tier 1 risk-based capital ratio | 10.0756% | 6,979 |
| Total risk-based capital ratio | 11.3185% | 6,979 |
| Memoranda: | ||
| Average total assets | $413,113,500 | 1,688 |
| Average earning assets | $378,178,000 | 1,670 |
| Average equity | $33,790,500 | 1,997 |
| Average total loans | $313,572,000 | 1,505 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6423% | 3,387 |
| Cost of funding earning assets | 2.1215% | 2,358 |
| Net interest margin | 3.5208% | 4,866 |
| Noninterest income to average assets | 1.8795% | 420 |
| Noninterest expense to average assets | 4.3152% | 971 |
| Loan and lease loss provision to assets | 1.0165% | 2,246 |
| Net operating income to assets | -0.0744% | 5,634 |
| Return on assets (ROA) | -0.1139% | 5,704 |
| Pretax return on assets | -0.2724% | 5,805 |
| Return on Equity (ROE) | -1.4614% | 5,767 |
| Retained earnings to average equity (ytd only) | -4.8712% | 6,005 |
| Net charge-offs to loans | 0.9756% | 2,458 |
| Credit loss provision to net charge-offs | 137.0142% | 3,597 |
| Earnings coverage of net charge-offs (x) | 1.0861% | 5,025 |
| Efficiency ratio | 83.6875% | 2,392 |
| Assets per employee ($millions) | 2.8928% | 6,467 |
| Cash dividends to net income (ytd only)* | -233.3333% | 7,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 4,809 |
| Loan loss allowance to noncurrent loans | 54.7366% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 2.7058% | 2,586 |
| Noncurrent loans to loans | 2.3606% | 3,213 |
| Net loans and leases to total assets | 74.4116% | 2,163 |
| Net loans and leases to deposits | 93.5797% | 1,655 |
| Net loans and leases to core deposits | 125.6885% | 1,540 |
| Total domestic deposits to total assets | 79.5168% | 5,842 |
| Equity capital to assets | 7.9543% | 6,625 |
| Core capital (leverage) ratio | 8.6655% | 4,985 |
| Tier 1 risk-based capital ratio | 9.8410% | 6,990 |
| Total risk-based capital ratio | 10.9897% | 7,050 |
| Memoranda: | ||
| Average total assets | $416,228,000 | 1,661 |
| Average earning assets | $383,213,000 | 1,638 |
| Average equity | $32,435,600 | 2,065 |
| Average total loans | $316,514,600 | 1,518 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6651% | 3,498 |
| Cost of funding earning assets | 2.1687% | 2,561 |
| Net interest margin | 3.4964% | 4,875 |
| Noninterest income to average assets | 1.8413% | 438 |
| Noninterest expense to average assets | 4.2771% | 939 |
| Loan and lease loss provision to assets | 0.7511% | 2,492 |
| Net operating income to assets | 0.0766% | 5,539 |
| Return on assets (ROA) | 0.0293% | 5,694 |
| Pretax return on assets | -0.0392% | 5,767 |
| Return on Equity (ROE) | 0.3774% | 5,665 |
| Retained earnings to average equity (ytd only) | -2.7209% | 5,881 |
| Net charge-offs to loans | 0.3712% | 3,797 |
| Credit loss provision to net charge-offs | 265.4545% | 1,597 |
| Earnings coverage of net charge-offs (x) | 2.7773% | 3,836 |
| Efficiency ratio | 83.8953% | 2,310 |
| Assets per employee ($millions) | 2.8975% | 6,417 |
| Cash dividends to net income (ytd only)* | 820.8852% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 4,162 |
| Loan loss allowance to noncurrent loans | 55.6580% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.7606% | 2,518 |
| Noncurrent loans to loans | 2.4428% | 3,087 |
| Net loans and leases to total assets | 74.5585% | 2,358 |
| Net loans and leases to deposits | 94.1287% | 1,865 |
| Net loans and leases to core deposits | 126.8280% | 1,672 |
| Total domestic deposits to total assets | 79.2091% | 5,731 |
| Equity capital to assets | 8.1385% | 6,704 |
| Core capital (leverage) ratio | 9.0885% | 4,514 |
| Tier 1 risk-based capital ratio | 9.9160% | 7,048 |
| Total risk-based capital ratio | 11.0826% | 7,074 |
| Memoranda: | ||
| Average total assets | $414,697,000 | 1,681 |
| Average earning assets | $382,093,250 | 1,663 |
| Average equity | $32,145,750 | 2,099 |
| Average total loans | $316,045,000 | 1,539 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7587% | 3,261 |
| Cost of funding earning assets | 2.1670% | 2,951 |
| Net interest margin | 3.5916% | 4,400 |
| Noninterest income to average assets | 1.8698% | 423 |
| Noninterest expense to average assets | 4.3626% | 888 |
| Loan and lease loss provision to assets | 0.3590% | 3,775 |
| Net operating income to assets | 0.3325% | 4,754 |
| Return on assets (ROA) | 0.3356% | 4,849 |
| Pretax return on assets | 0.4659% | 4,731 |
| Return on Equity (ROE) | 4.4063% | 4,340 |
| Retained earnings to average equity (ytd only) | 0.6405% | 4,936 |
| Net charge-offs to loans | 0.2930% | 3,725 |
| Credit loss provision to net charge-offs | 160.3486% | 2,865 |
| Earnings coverage of net charge-offs (x) | 3.6645% | 3,351 |
| Efficiency ratio | 83.5859% | 2,527 |
| Assets per employee ($millions) | 2.8322% | 6,554 |
| Cash dividends to net income (ytd only)* | 85.4651% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 6,133 |
| Loan loss allowance to noncurrent loans | 45.7021% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 2.3705% | 2,736 |
| Noncurrent loans to loans | 2.2167% | 3,240 |
| Net loans and leases to total assets | 76.1337% | 2,152 |
| Net loans and leases to deposits | 100.4977% | 1,237 |
| Net loans and leases to core deposits | 123.8417% | 2,041 |
| Total domestic deposits to total assets | 75.7567% | 6,602 |
| Equity capital to assets | 8.2549% | 6,409 |
| Core capital (leverage) ratio | 9.3544% | 4,091 |
| Tier 1 risk-based capital ratio | 11.5846% | 5,298 |
| Total risk-based capital ratio | 12.6365% | 5,416 |
| Memoranda: | ||
| Average total assets | $409,987,000 | 1,712 |
| Average earning assets | $378,211,330 | 1,713 |
| Average equity | $31,227,670 | 2,169 |
| Average total loans | $313,348,670 | 1,583 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7911% | 3,349 |
| Cost of funding earning assets | 2.1792% | 3,266 |
| Net interest margin | 3.6119% | 4,272 |
| Noninterest income to average assets | 1.7715% | 433 |
| Noninterest expense to average assets | 4.1917% | 950 |
| Loan and lease loss provision to assets | 0.1617% | 4,865 |
| Net operating income to assets | 0.5105% | 4,369 |
| Return on assets (ROA) | 0.5105% | 4,557 |
| Pretax return on assets | 0.7555% | 4,232 |
| Return on Equity (ROE) | 6.9993% | 3,597 |
| Retained earnings to average equity (ytd only) | 1.8674% | 4,816 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4538% | 2,614 |
| Assets per employee ($millions) | 2.9562% | 6,268 |
| Cash dividends to net income (ytd only)* | 73.3205% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 6,320 |
| Loan loss allowance to noncurrent loans | 38.4797% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 2.3580% | 2,429 |
| Noncurrent loans to loans | 2.5428% | 2,590 |
| Net loans and leases to total assets | 75.7537% | 2,332 |
| Net loans and leases to deposits | 100.4840% | 1,344 |
| Net loans and leases to core deposits | 124.6106% | 2,026 |
| Total domestic deposits to total assets | 75.3889% | 6,627 |
| Equity capital to assets | 8.2111% | 6,523 |
| Core capital (leverage) ratio | 9.5430% | 3,932 |
| Tier 1 risk-based capital ratio | 11.8153% | 5,108 |
| Total risk-based capital ratio | 12.8522% | 5,207 |
| Memoranda: | ||
| Average total assets | $408,230,500 | 1,729 |
| Average earning assets | $377,197,000 | 1,721 |
| Average equity | $29,774,500 | 2,297 |
| Average total loans | $311,005,500 | 1,607 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3676% | 3,592 |
| Cost of funding earning assets | 2.4097% | 4,680 |
| Net interest margin | 3.9580% | 3,320 |
| Noninterest income to average assets | 1.6697% | 494 |
| Noninterest expense to average assets | 4.5415% | 856 |
| Loan and lease loss provision to assets | 0.5502% | 2,620 |
| Net operating income to assets | 0.1780% | 5,914 |
| Return on assets (ROA) | 0.2520% | 5,515 |
| Pretax return on assets | 0.3129% | 5,483 |
| Return on Equity (ROE) | 3.2474% | 5,138 |
| Retained earnings to average equity (ytd only) | -15.7768% | 7,504 |
| Net charge-offs to loans | 0.7659% | 1,619 |
| Credit loss provision to net charge-offs | 95.8829% | 5,514 |
| Earnings coverage of net charge-offs (x) | 1.3449% | 5,453 |
| Efficiency ratio | 84.8632% | 1,971 |
| Assets per employee ($millions) | 2.9386% | 6,199 |
| Cash dividends to net income (ytd only)* | 585.8333% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 6,372 |
| Loan loss allowance to noncurrent loans | 40.2484% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 2.2308% | 2,189 |
| Noncurrent loans to loans | 2.3723% | 2,321 |
| Net loans and leases to total assets | 75.1321% | 2,849 |
| Net loans and leases to deposits | 103.4523% | 1,405 |
| Net loans and leases to core deposits | 123.4100% | 2,370 |
| Total domestic deposits to total assets | 72.6248% | 6,895 |
| Equity capital to assets | 6.3503% | 7,980 |
| Core capital (leverage) ratio | 7.3664% | 7,342 |
| Tier 1 risk-based capital ratio | 9.3874% | 7,420 |
| Total risk-based capital ratio | 10.4210% | 7,608 |
| Memoranda: | ||
| Average total assets | $380,973,800 | 1,773 |
| Average earning assets | $350,710,600 | 1,770 |
| Average equity | $29,562,400 | 2,289 |
| Average total loans | $285,402,600 | 1,696 |