Home > Carter County Bank of Elizabethton, Tennessee > Performance and Condition Ratios
Carter County Bank of Elizabethton, Tennessee, 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 | 4.4069% | 3,786 |
| Cost of funding earning assets | 0.8144% | 2,548 |
| Net interest margin | 3.5925% | 4,120 |
| Noninterest income to average assets | 0.7638% | 2,425 |
| Noninterest expense to average assets | 3.5612% | 1,699 |
| Loan and lease loss provision to assets | 0.2600% | 2,565 |
| Net operating income to assets | 0.1648% | 5,854 |
| Return on assets (ROA) | 0.3251% | 5,593 |
| Pretax return on assets | 0.3410% | 5,741 |
| Return on Equity (ROE) | 3.3527% | 5,404 |
| Retained earnings to average equity (ytd only) | -1.3526% | 6,068 |
| Net charge-offs to loans | 0.9585% | 1,150 |
| Credit loss provision to net charge-offs | 42.7611% | 4,876 |
| Earnings coverage of net charge-offs (x) | 0.7111% | 5,126 |
| Efficiency ratio | 89.1721% | 1,133 |
| Assets per employee ($millions) | 4.2875% | 3,381 |
| Cash dividends to net income (ytd only)* | 140.3429% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 4,159 |
| Loan loss allowance to noncurrent loans | 73.6447% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 2.7717% | 1,736 |
| Noncurrent loans to loans | 1.9060% | 2,799 |
| Net loans and leases to total assets | 59.5863% | 3,675 |
| Net loans and leases to deposits | 76.0676% | 2,794 |
| Net loans and leases to core deposits | 79.0270% | 3,147 |
| Total domestic deposits to total assets | 78.3334% | 6,027 |
| Equity capital to assets | 9.7480% | 4,533 |
| Core capital (leverage) ratio | 9.4495% | 4,182 |
| Tier 1 risk-based capital ratio | 14.9543% | 3,741 |
| Total risk-based capital ratio | 16.2056% | 3,695 |
| Memoranda: | ||
| Average total assets | $269,180,600 | 2,349 |
| Average earning assets | $242,007,200 | 2,396 |
| Average equity | $26,098,400 | 2,557 |
| Average total loans | $170,796,400 | 2,305 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 3,814 |
| Cost of funding earning assets | 0.8575% | 2,480 |
| Net interest margin | 3.5963% | 4,246 |
| Noninterest income to average assets | 0.7540% | 2,458 |
| Noninterest expense to average assets | 3.3493% | 2,133 |
| Loan and lease loss provision to assets | 0.3210% | 2,056 |
| Net operating income to assets | 0.3016% | 5,610 |
| Return on assets (ROA) | 0.5145% | 5,045 |
| Pretax return on assets | 0.5407% | 5,343 |
| Return on Equity (ROE) | 5.3139% | 4,680 |
| Retained earnings to average equity (ytd only) | 0.6528% | 5,894 |
| Net charge-offs to loans | 0.2877% | 3,003 |
| Credit loss provision to net charge-offs | 173.7968% | 1,604 |
| Earnings coverage of net charge-offs (x) | 3.4519% | 3,640 |
| Efficiency ratio | 84.0104% | 1,586 |
| Assets per employee ($millions) | 4.0730% | 3,729 |
| Cash dividends to net income (ytd only)* | 87.7161% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0690% | 1,983 |
| Loan loss allowance to noncurrent loans | 83.1655% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 3.4058% | 1,481 |
| Noncurrent loans to loans | 2.4878% | 2,312 |
| Net loans and leases to total assets | 62.9704% | 3,208 |
| Net loans and leases to deposits | 80.3824% | 2,335 |
| Net loans and leases to core deposits | 83.5903% | 2,745 |
| Total domestic deposits to total assets | 78.3385% | 6,010 |
| Equity capital to assets | 10.1352% | 4,303 |
| Core capital (leverage) ratio | 9.5597% | 4,179 |
| Tier 1 risk-based capital ratio | 14.8563% | 3,945 |
| Total risk-based capital ratio | 16.1164% | 3,899 |
| Memoranda: | ||
| Average total assets | $270,018,750 | 2,364 |
| Average earning assets | $242,726,000 | 2,422 |
| Average equity | $26,144,750 | 2,575 |
| Average total loans | $173,332,500 | 2,307 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 3,771 |
| Cost of funding earning assets | 0.8892% | 2,488 |
| Net interest margin | 3.6091% | 4,218 |
| Noninterest income to average assets | 0.7513% | 2,411 |
| Noninterest expense to average assets | 3.2819% | 2,356 |
| Loan and lease loss provision to assets | 0.4760% | 1,334 |
| Net operating income to assets | 0.2165% | 5,867 |
| Return on assets (ROA) | 0.5323% | 4,948 |
| Pretax return on assets | 0.5594% | 5,280 |
| Return on Equity (ROE) | 5.5809% | 4,537 |
| Retained earnings to average equity (ytd only) | 1.0056% | 5,676 |
| Net charge-offs to loans | 0.3960% | 2,437 |
| Credit loss provision to net charge-offs | 187.3199% | 1,512 |
| Earnings coverage of net charge-offs (x) | 2.7666% | 3,639 |
| Efficiency ratio | 82.3594% | 1,836 |
| Assets per employee ($millions) | 4.0970% | 3,667 |
| Cash dividends to net income (ytd only)* | 81.9807% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0401% | 2,129 |
| Loan loss allowance to noncurrent loans | 96.5470% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 3.2444% | 1,679 |
| Noncurrent loans to loans | 2.1130% | 2,809 |
| Net loans and leases to total assets | 62.0644% | 3,423 |
| Net loans and leases to deposits | 80.0653% | 2,372 |
| Net loans and leases to core deposits | 83.2915% | 2,788 |
| Total domestic deposits to total assets | 77.5173% | 6,245 |
| Equity capital to assets | 9.6219% | 4,882 |
| Core capital (leverage) ratio | 9.2371% | 4,544 |
| Tier 1 risk-based capital ratio | 14.6315% | 4,015 |
| Total risk-based capital ratio | 15.8915% | 3,970 |
| Memoranda: | ||
| Average total assets | $273,133,330 | 2,348 |
| Average earning assets | $244,713,000 | 2,404 |
| Average equity | $26,053,000 | 2,565 |
| Average total loans | $175,238,000 | 2,292 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5392% | 3,759 |
| Cost of funding earning assets | 0.9095% | 2,615 |
| Net interest margin | 3.6297% | 4,129 |
| Noninterest income to average assets | 0.7330% | 2,478 |
| Noninterest expense to average assets | 2.8197% | 3,946 |
| Loan and lease loss provision to assets | 0.6922% | 762 |
| Net operating income to assets | 0.4503% | 5,034 |
| Return on assets (ROA) | 0.4503% | 5,225 |
| Pretax return on assets | 0.4721% | 5,518 |
| Return on Equity (ROE) | 4.7410% | 4,915 |
| Retained earnings to average equity (ytd only) | -0.1381% | 6,014 |
| Net charge-offs to loans | 0.5779% | 1,652 |
| Credit loss provision to net charge-offs | 185.5469% | 1,413 |
| Earnings coverage of net charge-offs (x) | 3.1211% | 2,953 |
| Efficiency ratio | 70.7754% | 3,662 |
| Assets per employee ($millions) | 4.4231% | 3,146 |
| Cash dividends to net income (ytd only)* | 102.9126% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9412% | 2,553 |
| Loan loss allowance to noncurrent loans | 121.0004% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 3.4807% | 1,653 |
| Noncurrent loans to loans | 1.6043% | 3,711 |
| Net loans and leases to total assets | 61.8360% | 3,289 |
| Net loans and leases to deposits | 80.4854% | 2,146 |
| Net loans and leases to core deposits | 83.6386% | 2,591 |
| Total domestic deposits to total assets | 76.8289% | 6,426 |
| Equity capital to assets | 9.3708% | 5,003 |
| Core capital (leverage) ratio | 9.1867% | 4,541 |
| Tier 1 risk-based capital ratio | 14.1072% | 4,392 |
| Total risk-based capital ratio | 15.3655% | 4,357 |
| Memoranda: | ||
| Average total assets | $274,498,500 | 2,352 |
| Average earning assets | $245,858,000 | 2,403 |
| Average equity | $26,070,500 | 2,565 |
| Average total loans | $177,197,500 | 2,276 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 3,501 |
| Cost of funding earning assets | 1.0726% | 2,857 |
| Net interest margin | 3.7967% | 3,831 |
| Noninterest income to average assets | 0.7635% | 2,270 |
| Noninterest expense to average assets | 3.2448% | 2,706 |
| Loan and lease loss provision to assets | 0.5784% | 1,788 |
| Net operating income to assets | 0.3769% | 4,960 |
| Return on assets (ROA) | 0.6934% | 3,706 |
| Pretax return on assets | 0.7301% | 4,219 |
| Return on Equity (ROE) | 7.4821% | 3,159 |
| Retained earnings to average equity (ytd only) | 3.3091% | 3,870 |
| Net charge-offs to loans | 0.9480% | 1,834 |
| Credit loss provision to net charge-offs | 88.3343% | 4,084 |
| Earnings coverage of net charge-offs (x) | 1.4896% | 4,651 |
| Efficiency ratio | 76.8863% | 2,760 |
| Assets per employee ($millions) | 4.2912% | 3,275 |
| Cash dividends to net income (ytd only)* | 55.7733% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7870% | 2,909 |
| Loan loss allowance to noncurrent loans | 88.1557% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 3.0609% | 1,958 |
| Noncurrent loans to loans | 2.0271% | 3,171 |
| Net loans and leases to total assets | 64.9110% | 3,006 |
| Net loans and leases to deposits | 84.2570% | 1,891 |
| Net loans and leases to core deposits | 87.9808% | 2,378 |
| Total domestic deposits to total assets | 77.0393% | 6,335 |
| Equity capital to assets | 9.6281% | 4,706 |
| Core capital (leverage) ratio | 9.2961% | 4,337 |
| Tier 1 risk-based capital ratio | 14.0776% | 4,273 |
| Total risk-based capital ratio | 15.3345% | 4,215 |
| Memoranda: | ||
| Average total assets | $272,281,200 | 2,321 |
| Average earning assets | $247,901,200 | 2,323 |
| Average equity | $25,233,600 | 2,552 |
| Average total loans | $188,074,200 | 2,151 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9280% | 3,436 |
| Cost of funding earning assets | 1.1045% | 2,947 |
| Net interest margin | 3.8235% | 3,751 |
| Noninterest income to average assets | 0.7850% | 2,118 |
| Noninterest expense to average assets | 3.1895% | 2,856 |
| Loan and lease loss provision to assets | 0.5988% | 1,644 |
| Net operating income to assets | 0.4641% | 4,706 |
| Return on assets (ROA) | 0.7376% | 3,611 |
| Pretax return on assets | 0.7772% | 4,205 |
| Return on Equity (ROE) | 8.0366% | 3,024 |
| Retained earnings to average equity (ytd only) | 4.1275% | 3,792 |
| Net charge-offs to loans | 0.6421% | 2,324 |
| Credit loss provision to net charge-offs | 133.5878% | 2,384 |
| Earnings coverage of net charge-offs (x) | 2.4275% | 3,910 |
| Efficiency ratio | 74.5629% | 3,075 |
| Assets per employee ($millions) | 4.5073% | 2,901 |
| Cash dividends to net income (ytd only)* | 48.6414% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0289% | 2,257 |
| Loan loss allowance to noncurrent loans | 113.0488% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 3.2177% | 1,978 |
| Noncurrent loans to loans | 1.7947% | 3,644 |
| Net loans and leases to total assets | 66.2068% | 2,854 |
| Net loans and leases to deposits | 84.9588% | 1,843 |
| Net loans and leases to core deposits | 89.0184% | 2,353 |
| Total domestic deposits to total assets | 77.9281% | 6,206 |
| Equity capital to assets | 9.6373% | 4,877 |
| Core capital (leverage) ratio | 9.2865% | 4,470 |
| Tier 1 risk-based capital ratio | 13.5966% | 4,655 |
| Total risk-based capital ratio | 14.8565% | 4,614 |
| Memoranda: | ||
| Average total assets | $272,765,500 | 2,335 |
| Average earning assets | $249,156,750 | 2,326 |
| Average equity | $25,034,750 | 2,570 |
| Average total loans | $190,423,750 | 2,148 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 3,475 |
| Cost of funding earning assets | 1.1352% | 3,005 |
| Net interest margin | 3.7981% | 3,792 |
| Noninterest income to average assets | 0.7655% | 2,177 |
| Noninterest expense to average assets | 3.3999% | 2,261 |
| Loan and lease loss provision to assets | 0.3839% | 2,498 |
| Net operating income to assets | 0.4393% | 4,772 |
| Return on assets (ROA) | 0.6324% | 4,024 |
| Pretax return on assets | 0.6661% | 4,516 |
| Return on Equity (ROE) | 7.0063% | 3,446 |
| Retained earnings to average equity (ytd only) | 3.8879% | 3,724 |
| Net charge-offs to loans | 0.6280% | 2,263 |
| Credit loss provision to net charge-offs | 86.6337% | 3,567 |
| Earnings coverage of net charge-offs (x) | 1.9109% | 3,908 |
| Efficiency ratio | 80.0620% | 2,381 |
| Assets per employee ($millions) | 4.1801% | 3,393 |
| Cash dividends to net income (ytd only)* | 44.5087% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 3,122 |
| Loan loss allowance to noncurrent loans | 93.5457% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 3.3146% | 2,005 |
| Noncurrent loans to loans | 1.8816% | 3,635 |
| Net loans and leases to total assets | 68.1790% | 2,584 |
| Net loans and leases to deposits | 87.5520% | 1,559 |
| Net loans and leases to core deposits | 91.6089% | 2,186 |
| Total domestic deposits to total assets | 77.8725% | 6,309 |
| Equity capital to assets | 9.3597% | 5,055 |
| Core capital (leverage) ratio | 9.0649% | 4,619 |
| Tier 1 risk-based capital ratio | 13.1397% | 4,810 |
| Total risk-based capital ratio | 14.3963% | 4,787 |
| Memoranda: | ||
| Average total assets | $273,541,000 | 2,337 |
| Average earning assets | $250,704,000 | 2,323 |
| Average equity | $24,692,000 | 2,589 |
| Average total loans | $192,979,330 | 2,156 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 3,597 |
| Cost of funding earning assets | 1.1697% | 3,021 |
| Net interest margin | 3.7302% | 3,945 |
| Noninterest income to average assets | 0.7054% | 2,547 |
| Noninterest expense to average assets | 3.9161% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1968% | 5,791 |
| Return on assets (ROA) | 0.1968% | 5,851 |
| Pretax return on assets | 0.2055% | 5,928 |
| Return on Equity (ROE) | 2.2202% | 5,709 |
| Retained earnings to average equity (ytd only) | -3.0096% | 6,299 |
| Net charge-offs to loans | -0.0369% | 6,782 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0141% | 981 |
| Assets per employee ($millions) | 4.2563% | 3,323 |
| Cash dividends to net income (ytd only)* | 235.5556% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 3,178 |
| Loan loss allowance to noncurrent loans | 79.1937% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 3.5014% | 1,948 |
| Noncurrent loans to loans | 2.2089% | 3,307 |
| Net loans and leases to total assets | 69.3905% | 2,245 |
| Net loans and leases to deposits | 89.4467% | 1,303 |
| Net loans and leases to core deposits | 93.5578% | 1,947 |
| Total domestic deposits to total assets | 77.5775% | 6,436 |
| Equity capital to assets | 8.8043% | 5,488 |
| Core capital (leverage) ratio | 8.7431% | 5,010 |
| Tier 1 risk-based capital ratio | 12.5515% | 5,218 |
| Total risk-based capital ratio | 13.8084% | 5,187 |
| Memoranda: | ||
| Average total assets | $274,458,000 | 2,353 |
| Average earning assets | $251,357,000 | 2,334 |
| Average equity | $24,322,500 | 2,614 |
| Average total loans | $195,186,000 | 2,151 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 3,320 |
| Cost of funding earning assets | 1.4483% | 2,961 |
| Net interest margin | 3.8100% | 3,904 |
| Noninterest income to average assets | 0.8108% | 2,226 |
| Noninterest expense to average assets | 2.7311% | 4,849 |
| Loan and lease loss provision to assets | 0.7806% | 2,094 |
| Net operating income to assets | 0.7655% | 2,933 |
| Return on assets (ROA) | 0.9225% | 2,429 |
| Pretax return on assets | 0.9733% | 3,017 |
| Return on Equity (ROE) | 10.8871% | 1,621 |
| Retained earnings to average equity (ytd only) | 5.6278% | 2,035 |
| Net charge-offs to loans | 0.8596% | 2,480 |
| Credit loss provision to net charge-offs | 121.8162% | 3,446 |
| Earnings coverage of net charge-offs (x) | 2.4790% | 3,881 |
| Efficiency ratio | 63.2249% | 5,476 |
| Assets per employee ($millions) | 4.4632% | 2,932 |
| Cash dividends to net income (ytd only)* | 48.3077% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 3,058 |
| Loan loss allowance to noncurrent loans | 82.4043% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 4.0723% | 1,663 |
| Noncurrent loans to loans | 2.1161% | 3,411 |
| Net loans and leases to total assets | 70.3670% | 2,443 |
| Net loans and leases to deposits | 90.9410% | 1,406 |
| Net loans and leases to core deposits | 95.7584% | 2,041 |
| Total domestic deposits to total assets | 77.3765% | 6,421 |
| Equity capital to assets | 8.9206% | 5,253 |
| Core capital (leverage) ratio | 8.7142% | 4,994 |
| Tier 1 risk-based capital ratio | 12.7159% | 4,849 |
| Total risk-based capital ratio | 13.9729% | 4,815 |
| Memoranda: | ||
| Average total assets | $281,832,200 | 2,276 |
| Average earning assets | $259,554,600 | 2,263 |
| Average equity | $23,881,400 | 2,668 |
| Average total loans | $210,090,600 | 2,076 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 3,316 |
| Cost of funding earning assets | 1.5041% | 2,954 |
| Net interest margin | 3.8038% | 3,960 |
| Noninterest income to average assets | 0.8031% | 2,222 |
| Noninterest expense to average assets | 2.7545% | 4,668 |
| Loan and lease loss provision to assets | 0.8045% | 1,890 |
| Net operating income to assets | 0.7122% | 3,360 |
| Return on assets (ROA) | 0.9199% | 2,675 |
| Pretax return on assets | 0.9706% | 3,291 |
| Return on Equity (ROE) | 10.9950% | 1,789 |
| Retained earnings to average equity (ytd only) | 5.7358% | 2,520 |
| Net charge-offs to loans | 0.2924% | 4,198 |
| Credit loss provision to net charge-offs | 365.6716% | 845 |
| Earnings coverage of net charge-offs (x) | 7.0746% | 2,389 |
| Efficiency ratio | 63.8955% | 5,258 |
| Assets per employee ($millions) | 4.3182% | 3,229 |
| Cash dividends to net income (ytd only)* | 47.8329% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0501% | 2,099 |
| Loan loss allowance to noncurrent loans | 300.2825% | 976 |
| Noncurrent assets plus other real estate owned to assets | 2.1190% | 3,307 |
| Noncurrent loans to loans | 0.6827% | 5,837 |
| Net loans and leases to total assets | 73.5079% | 1,908 |
| Net loans and leases to deposits | 94.0561% | 1,195 |
| Net loans and leases to core deposits | 100.3830% | 1,820 |
| Total domestic deposits to total assets | 78.1533% | 6,228 |
| Equity capital to assets | 8.8902% | 5,716 |
| Core capital (leverage) ratio | 8.5282% | 5,456 |
| Tier 1 risk-based capital ratio | 12.1266% | 5,338 |
| Total risk-based capital ratio | 13.3882% | 5,292 |
| Memoranda: | ||
| Average total assets | $284,226,000 | 2,285 |
| Average earning assets | $262,117,500 | 2,272 |
| Average equity | $23,780,000 | 2,718 |
| Average total loans | $213,868,500 | 2,061 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3391% | 3,269 |
| Cost of funding earning assets | 1.5642% | 2,873 |
| Net interest margin | 3.7748% | 4,022 |
| Noninterest income to average assets | 0.8137% | 2,047 |
| Noninterest expense to average assets | 2.7687% | 4,625 |
| Loan and lease loss provision to assets | 0.7809% | 1,845 |
| Net operating income to assets | 0.7060% | 3,378 |
| Return on assets (ROA) | 0.9245% | 2,554 |
| Pretax return on assets | 0.9754% | 3,222 |
| Return on Equity (ROE) | 11.2769% | 1,660 |
| Retained earnings to average equity (ytd only) | 6.0042% | 2,326 |
| Net charge-offs to loans | 0.2814% | 3,931 |
| Credit loss provision to net charge-offs | 368.4211% | 991 |
| Earnings coverage of net charge-offs (x) | 7.2007% | 2,344 |
| Efficiency ratio | 64.4643% | 5,249 |
| Assets per employee ($millions) | 4.5013% | 2,868 |
| Cash dividends to net income (ytd only)* | 46.7572% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7982% | 2,722 |
| Loan loss allowance to noncurrent loans | 233.7615% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 2.3133% | 3,117 |
| Noncurrent loans to loans | 0.7693% | 5,733 |
| Net loans and leases to total assets | 73.6022% | 2,004 |
| Net loans and leases to deposits | 92.7933% | 1,422 |
| Net loans and leases to core deposits | 98.9058% | 2,129 |
| Total domestic deposits to total assets | 79.3184% | 5,939 |
| Equity capital to assets | 8.4297% | 6,253 |
| Core capital (leverage) ratio | 8.2557% | 5,845 |
| Tier 1 risk-based capital ratio | 11.5127% | 5,760 |
| Total risk-based capital ratio | 12.7704% | 5,726 |
| Memoranda: | ||
| Average total assets | $286,847,330 | 2,284 |
| Average earning assets | $264,541,000 | 2,270 |
| Average equity | $23,517,000 | 2,741 |
| Average total loans | $216,024,670 | 2,067 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3466% | 3,311 |
| Cost of funding earning assets | 1.6116% | 2,886 |
| Net interest margin | 3.7350% | 4,079 |
| Noninterest income to average assets | 0.7418% | 2,350 |
| Noninterest expense to average assets | 2.7371% | 4,737 |
| Loan and lease loss provision to assets | 0.9082% | 1,400 |
| Net operating income to assets | 0.5199% | 4,290 |
| Return on assets (ROA) | 0.5449% | 4,292 |
| Pretax return on assets | 0.5740% | 4,702 |
| Return on Equity (ROE) | 6.7401% | 3,479 |
| Retained earnings to average equity (ytd only) | 1.2863% | 5,297 |
| Net charge-offs to loans | 0.4225% | 2,780 |
| Credit loss provision to net charge-offs | 284.7826% | 1,386 |
| Earnings coverage of net charge-offs (x) | 4.5652% | 2,604 |
| Efficiency ratio | 65.2778% | 5,258 |
| Assets per employee ($millions) | 4.4638% | 3,015 |
| Cash dividends to net income (ytd only)* | 80.9160% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 3,501 |
| Loan loss allowance to noncurrent loans | 112.4549% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 2.6018% | 2,804 |
| Noncurrent loans to loans | 1.4125% | 4,617 |
| Net loans and leases to total assets | 73.2638% | 2,139 |
| Net loans and leases to deposits | 92.3288% | 1,566 |
| Net loans and leases to core deposits | 98.0281% | 2,342 |
| Total domestic deposits to total assets | 79.3510% | 5,999 |
| Equity capital to assets | 8.0941% | 6,548 |
| Core capital (leverage) ratio | 7.9853% | 6,261 |
| Tier 1 risk-based capital ratio | 10.8603% | 6,283 |
| Total risk-based capital ratio | 12.1121% | 6,265 |
| Memoranda: | ||
| Average total assets | $288,481,000 | 2,323 |
| Average earning assets | $266,563,000 | 2,307 |
| Average equity | $23,323,000 | 2,791 |
| Average total loans | $217,765,500 | 2,094 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6272% | 3,457 |
| Cost of funding earning assets | 1.8036% | 3,974 |
| Net interest margin | 3.8236% | 3,605 |
| Noninterest income to average assets | 0.8849% | 2,006 |
| Noninterest expense to average assets | 2.8969% | 4,538 |
| Loan and lease loss provision to assets | 0.5550% | 3,595 |
| Net operating income to assets | 0.9360% | 2,066 |
| Return on assets (ROA) | 0.9227% | 2,164 |
| Pretax return on assets | 0.9738% | 2,676 |
| Return on Equity (ROE) | 11.5815% | 1,269 |
| Retained earnings to average equity (ytd only) | 2.7142% | 3,258 |
| Net charge-offs to loans | 0.5179% | 3,706 |
| Credit loss provision to net charge-offs | 136.1373% | 3,629 |
| Earnings coverage of net charge-offs (x) | 3.7845% | 3,201 |
| Efficiency ratio | 65.2506% | 5,545 |
| Assets per employee ($millions) | 4.2808% | 3,302 |
| Cash dividends to net income (ytd only)* | 76.5643% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 4,390 |
| Loan loss allowance to noncurrent loans | 87.1557% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 2.5051% | 2,790 |
| Noncurrent loans to loans | 1.5711% | 4,294 |
| Net loans and leases to total assets | 75.4916% | 1,924 |
| Net loans and leases to deposits | 94.1141% | 1,579 |
| Net loans and leases to core deposits | 115.7905% | 2,343 |
| Total domestic deposits to total assets | 80.2128% | 5,612 |
| Equity capital to assets | 8.0753% | 6,498 |
| Core capital (leverage) ratio | 8.0441% | 6,093 |
| Tier 1 risk-based capital ratio | 10.6658% | 6,239 |
| Total risk-based capital ratio | 11.9179% | 6,213 |
| Memoranda: | ||
| Average total assets | $285,786,200 | 2,305 |
| Average earning assets | $265,692,800 | 2,278 |
| Average equity | $22,769,000 | 2,855 |
| Average total loans | $224,935,800 | 2,060 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6515% | 3,566 |
| Cost of funding earning assets | 1.8232% | 4,264 |
| Net interest margin | 3.8283% | 3,534 |
| Noninterest income to average assets | 0.8877% | 2,037 |
| Noninterest expense to average assets | 2.9895% | 4,090 |
| Loan and lease loss provision to assets | 0.4534% | 3,646 |
| Net operating income to assets | 0.9577% | 2,209 |
| Return on assets (ROA) | 0.9400% | 2,334 |
| Pretax return on assets | 0.9923% | 2,934 |
| Return on Equity (ROE) | 11.8386% | 1,399 |
| Retained earnings to average equity (ytd only) | 1.8349% | 4,295 |
| Net charge-offs to loans | 0.3011% | 4,143 |
| Credit loss provision to net charge-offs | 190.0196% | 2,393 |
| Earnings coverage of net charge-offs (x) | 6.1370% | 2,662 |
| Efficiency ratio | 67.1210% | 5,160 |
| Assets per employee ($millions) | 4.3299% | 3,151 |
| Cash dividends to net income (ytd only)* | 84.5007% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 4,188 |
| Loan loss allowance to noncurrent loans | 84.6539% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 2.6185% | 2,658 |
| Noncurrent loans to loans | 1.5974% | 4,237 |
| Net loans and leases to total assets | 77.7291% | 1,630 |
| Net loans and leases to deposits | 98.2872% | 1,291 |
| Net loans and leases to core deposits | 122.1507% | 2,057 |
| Total domestic deposits to total assets | 79.0836% | 5,775 |
| Equity capital to assets | 8.1074% | 6,731 |
| Core capital (leverage) ratio | 7.8659% | 6,550 |
| Tier 1 risk-based capital ratio | 10.3101% | 6,667 |
| Total risk-based capital ratio | 11.5611% | 6,617 |
| Memoranda: | ||
| Average total assets | $285,529,750 | 2,322 |
| Average earning assets | $265,974,500 | 2,287 |
| Average equity | $22,671,000 | 2,891 |
| Average total loans | $226,288,500 | 2,082 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6694% | 3,719 |
| Cost of funding earning assets | 1.8256% | 4,630 |
| Net interest margin | 3.8438% | 3,360 |
| Noninterest income to average assets | 0.8443% | 2,195 |
| Noninterest expense to average assets | 2.9385% | 4,342 |
| Loan and lease loss provision to assets | 0.4414% | 3,343 |
| Net operating income to assets | 0.9907% | 2,141 |
| Return on assets (ROA) | 0.9641% | 2,333 |
| Pretax return on assets | 1.0180% | 2,937 |
| Return on Equity (ROE) | 12.2284% | 1,354 |
| Retained earnings to average equity (ytd only) | 0.3644% | 5,073 |
| Net charge-offs to loans | 0.1174% | 4,988 |
| Credit loss provision to net charge-offs | 473.6842% | 982 |
| Earnings coverage of net charge-offs (x) | 15.9624% | 1,561 |
| Efficiency ratio | 66.3923% | 5,479 |
| Assets per employee ($millions) | 4.1672% | 3,356 |
| Cash dividends to net income (ytd only)* | 97.0203% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 3,855 |
| Loan loss allowance to noncurrent loans | 109.8326% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 2.4223% | 2,672 |
| Noncurrent loans to loans | 1.2531% | 4,698 |
| Net loans and leases to total assets | 76.8312% | 1,982 |
| Net loans and leases to deposits | 97.3053% | 1,628 |
| Net loans and leases to core deposits | 120.6260% | 2,310 |
| Total domestic deposits to total assets | 78.9589% | 5,827 |
| Equity capital to assets | 7.6943% | 7,082 |
| Core capital (leverage) ratio | 7.9013% | 6,489 |
| Tier 1 risk-based capital ratio | 10.0213% | 6,893 |
| Total risk-based capital ratio | 11.2731% | 6,827 |
| Memoranda: | ||
| Average total assets | $285,447,670 | 2,346 |
| Average earning assets | $265,988,000 | 2,301 |
| Average equity | $22,505,000 | 2,915 |
| Average total loans | $226,659,330 | 2,106 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7611% | 3,474 |
| Cost of funding earning assets | 1.8334% | 4,953 |
| Net interest margin | 3.9277% | 2,942 |
| Noninterest income to average assets | 0.8200% | 2,231 |
| Noninterest expense to average assets | 2.7862% | 4,610 |
| Loan and lease loss provision to assets | 0.4430% | 2,709 |
| Net operating income to assets | 1.1786% | 1,718 |
| Return on assets (ROA) | 1.1786% | 1,824 |
| Pretax return on assets | 1.2546% | 2,436 |
| Return on Equity (ROE) | 14.7694% | 1,023 |
| Retained earnings to average equity (ytd only) | 2.7142% | 4,377 |
| Net charge-offs to loans | 0.2193% | 3,324 |
| Credit loss provision to net charge-offs | 252.0000% | 1,863 |
| Earnings coverage of net charge-offs (x) | 9.6560% | 2,033 |
| Efficiency ratio | 62.1393% | 6,027 |
| Assets per employee ($millions) | 4.0701% | 3,512 |
| Cash dividends to net income (ytd only)* | 81.6229% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 4,595 |
| Loan loss allowance to noncurrent loans | 264.5377% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 1.9287% | 3,010 |
| Noncurrent loans to loans | 0.4645% | 6,255 |
| Net loans and leases to total assets | 78.2974% | 1,750 |
| Net loans and leases to deposits | 102.9709% | 1,095 |
| Net loans and leases to core deposits | 125.6323% | 1,945 |
| Total domestic deposits to total assets | 76.0384% | 6,505 |
| Equity capital to assets | 7.8510% | 7,004 |
| Core capital (leverage) ratio | 7.9768% | 6,495 |
| Tier 1 risk-based capital ratio | 10.0653% | 6,841 |
| Total risk-based capital ratio | 11.3154% | 6,758 |
| Memoranda: | ||
| Average total assets | $284,403,000 | 2,366 |
| Average earning assets | $265,295,000 | 2,323 |
| Average equity | $22,695,500 | 2,897 |
| Average total loans | $227,988,500 | 2,119 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3534% | 3,677 |
| Cost of funding earning assets | 2.3654% | 4,871 |
| Net interest margin | 3.9880% | 3,173 |
| Noninterest income to average assets | 1.0024% | 1,568 |
| Noninterest expense to average assets | 2.7095% | 5,230 |
| Loan and lease loss provision to assets | 0.3858% | 3,381 |
| Net operating income to assets | 1.5556% | 916 |
| Return on assets (ROA) | 1.5556% | 887 |
| Pretax return on assets | 1.6437% | 1,277 |
| Return on Equity (ROE) | 19.6026% | 406 |
| Retained earnings to average equity (ytd only) | 5.3799% | 1,821 |
| Net charge-offs to loans | 0.1621% | 4,578 |
| Credit loss provision to net charge-offs | 298.5915% | 1,518 |
| Earnings coverage of net charge-offs (x) | 15.7070% | 1,914 |
| Efficiency ratio | 57.1736% | 6,838 |
| Assets per employee ($millions) | 4.0557% | 3,399 |
| Cash dividends to net income (ytd only)* | 72.5550% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,108 |
| Loan loss allowance to noncurrent loans | 51.6890% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 1.8545% | 2,663 |
| Noncurrent loans to loans | 2.1740% | 2,539 |
| Net loans and leases to total assets | 80.1486% | 1,628 |
| Net loans and leases to deposits | 106.5885% | 1,076 |
| Net loans and leases to core deposits | 130.2085% | 1,836 |
| Total domestic deposits to total assets | 75.1944% | 6,406 |
| Equity capital to assets | 8.1095% | 6,682 |
| Core capital (leverage) ratio | 7.9657% | 6,546 |
| Tier 1 risk-based capital ratio | 9.9808% | 6,754 |
| Total risk-based capital ratio | 11.1580% | 6,724 |
| Memoranda: | ||
| Average total assets | $274,740,800 | 2,347 |
| Average earning assets | $257,419,800 | 2,307 |
| Average equity | $21,803,200 | 3,001 |
| Average total loans | $219,014,000 | 2,136 |