Home > Cattleman's National Bank > Performance and Condition Ratios
Cattleman's National Bank, Performance and Condition Ratios
| 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 | 3.6576% | 6,302 |
| Cost of funding earning assets | 0.4444% | 5,834 |
| Net interest margin | 3.2132% | 5,670 |
| Noninterest income to average assets | 0.5545% | 3,578 |
| Noninterest expense to average assets | 3.7393% | 1,307 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1471% | 6,451 |
| Return on assets (ROA) | -0.1471% | 6,531 |
| Pretax return on assets | -0.2506% | 6,565 |
| Return on Equity (ROE) | -2.0087% | 6,572 |
| Retained earnings to average equity (ytd only) | -2.0087% | 6,398 |
| Net charge-offs to loans | 0.2749% | 3,075 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -1.6848% | 5,628 |
| Efficiency ratio | 107.1826% | 356 |
| Assets per employee ($millions) | 3.1284% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 4,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 5,698 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 54.9005% | 4,604 |
| Net loans and leases to deposits | 59.3178% | 5,282 |
| Net loans and leases to core deposits | 60.1649% | 5,542 |
| Total domestic deposits to total assets | 92.5533% | 148 |
| Equity capital to assets | 7.2918% | 6,819 |
| Core capital (leverage) ratio | 7.3005% | 6,714 |
| Tier 1 risk-based capital ratio | 12.9927% | 5,260 |
| Total risk-based capital ratio | 14.2460% | 5,215 |
| Memoranda: | ||
| Average total assets | $82,472,500 | 5,339 |
| Average earning assets | $75,312,000 | 5,313 |
| Average equity | $6,040,250 | 6,079 |
| Average total loans | $44,620,500 | 5,368 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6419% | 6,433 |
| Cost of funding earning assets | 0.4536% | 5,950 |
| Net interest margin | 3.1883% | 5,774 |
| Noninterest income to average assets | 0.8666% | 1,901 |
| Noninterest expense to average assets | 3.6524% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0941% | 6,180 |
| Return on assets (ROA) | 0.0941% | 6,329 |
| Pretax return on assets | 0.1159% | 6,298 |
| Return on Equity (ROE) | 1.2836% | 6,241 |
| Retained earnings to average equity (ytd only) | 1.2836% | 5,552 |
| Net charge-offs to loans | 0.4145% | 2,379 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.5217% | 4,809 |
| Efficiency ratio | 96.9250% | 663 |
| Assets per employee ($millions) | 3.2329% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 4,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 5,756 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 55.3166% | 4,576 |
| Net loans and leases to deposits | 59.8621% | 5,250 |
| Net loans and leases to core deposits | 60.7231% | 5,518 |
| Total domestic deposits to total assets | 92.4068% | 169 |
| Equity capital to assets | 7.4435% | 6,808 |
| Core capital (leverage) ratio | 7.0963% | 6,788 |
| Tier 1 risk-based capital ratio | 12.9523% | 5,215 |
| Total risk-based capital ratio | 14.2057% | 5,189 |
| Memoranda: | ||
| Average total assets | $82,850,670 | 5,354 |
| Average earning assets | $75,400,000 | 5,343 |
| Average equity | $6,076,670 | 6,100 |
| Average total loans | $44,385,670 | 5,415 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6266% | 6,542 |
| Cost of funding earning assets | 0.4579% | 6,098 |
| Net interest margin | 3.1686% | 5,848 |
| Noninterest income to average assets | 0.8442% | 1,970 |
| Noninterest expense to average assets | 3.3959% | 2,018 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2289% | 5,891 |
| Return on assets (ROA) | 0.2289% | 6,036 |
| Pretax return on assets | 0.3196% | 5,933 |
| Return on Equity (ROE) | 3.1439% | 5,662 |
| Retained earnings to average equity (ytd only) | 3.1439% | 4,681 |
| Net charge-offs to loans | 0.8385% | 1,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.7283% | 3,972 |
| Efficiency ratio | 91.3992% | 986 |
| Assets per employee ($millions) | 3.3729% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 3,968 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 5,889 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 50.6404% | 5,213 |
| Net loans and leases to deposits | 54.6230% | 5,744 |
| Net loans and leases to core deposits | 55.3717% | 5,960 |
| Total domestic deposits to total assets | 92.7089% | 163 |
| Equity capital to assets | 7.1452% | 6,894 |
| Core capital (leverage) ratio | 7.2560% | 6,741 |
| Tier 1 risk-based capital ratio | 13.4667% | 4,849 |
| Total risk-based capital ratio | 14.7188% | 4,838 |
| Memoranda: | ||
| Average total assets | $83,865,000 | 5,367 |
| Average earning assets | $75,995,000 | 5,366 |
| Average equity | $6,107,000 | 6,118 |
| Average total loans | $43,889,500 | 5,470 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9999% | 6,453 |
| Cost of funding earning assets | 0.5593% | 6,293 |
| Net interest margin | 3.4406% | 5,364 |
| Noninterest income to average assets | 0.9205% | 1,603 |
| Noninterest expense to average assets | 4.2317% | 783 |
| Loan and lease loss provision to assets | -0.0760% | 7,259 |
| Net operating income to assets | -0.0937% | 6,158 |
| Return on assets (ROA) | -0.0937% | 6,235 |
| Pretax return on assets | -0.1431% | 6,241 |
| Return on Equity (ROE) | -1.1901% | 6,263 |
| Retained earnings to average equity (ytd only) | -1.1901% | 6,041 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4591% | 528 |
| Assets per employee ($millions) | 3.0892% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 3,151 |
| Loan loss allowance to noncurrent loans | 208.4932% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 5,659 |
| Noncurrent loans to loans | 0.8219% | 5,044 |
| Net loans and leases to total assets | 52.3295% | 5,261 |
| Net loans and leases to deposits | 56.5720% | 5,827 |
| Net loans and leases to core deposits | 56.9812% | 6,081 |
| Total domestic deposits to total assets | 92.5007% | 182 |
| Equity capital to assets | 7.4202% | 6,845 |
| Core capital (leverage) ratio | 7.5147% | 6,641 |
| Tier 1 risk-based capital ratio | 13.5680% | 4,642 |
| Total risk-based capital ratio | 14.8224% | 4,612 |
| Memoranda: | ||
| Average total assets | $78,976,200 | 5,480 |
| Average earning assets | $70,976,800 | 5,505 |
| Average equity | $6,217,800 | 6,095 |
| Average total loans | $44,558,200 | 5,490 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 6,511 |
| Cost of funding earning assets | 0.5900% | 6,330 |
| Net interest margin | 3.4564% | 5,369 |
| Noninterest income to average assets | 0.9383% | 1,522 |
| Noninterest expense to average assets | 4.1899% | 806 |
| Loan and lease loss provision to assets | -0.1027% | 7,355 |
| Net operating income to assets | -0.0051% | 6,164 |
| Return on assets (ROA) | -0.0051% | 6,267 |
| Pretax return on assets | -0.0394% | 6,269 |
| Return on Equity (ROE) | -0.0643% | 6,269 |
| Retained earnings to average equity (ytd only) | -0.0643% | 5,972 |
| Net charge-offs to loans | -0.0030% | 6,679 |
| Credit loss provision to net charge-offs | 6,000.0000% | 48 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5110% | 568 |
| Assets per employee ($millions) | 2.8902% | 6,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 3,071 |
| Loan loss allowance to noncurrent loans | 207.3569% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.7266% | 5,340 |
| Noncurrent loans to loans | 0.8487% | 5,173 |
| Net loans and leases to total assets | 52.4936% | 5,388 |
| Net loans and leases to deposits | 57.0192% | 5,933 |
| Net loans and leases to core deposits | 57.4650% | 6,172 |
| Total domestic deposits to total assets | 92.0631% | 207 |
| Equity capital to assets | 7.7355% | 6,829 |
| Core capital (leverage) ratio | 7.9028% | 6,484 |
| Tier 1 risk-based capital ratio | 13.1695% | 4,974 |
| Total risk-based capital ratio | 14.4237% | 4,947 |
| Memoranda: | ||
| Average total assets | $77,868,250 | 5,554 |
| Average earning assets | $70,051,250 | 5,582 |
| Average equity | $6,225,000 | 6,138 |
| Average total loans | $44,595,750 | 5,535 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1673% | 6,352 |
| Cost of funding earning assets | 0.6239% | 6,343 |
| Net interest margin | 3.5434% | 4,952 |
| Noninterest income to average assets | 0.9473% | 1,475 |
| Noninterest expense to average assets | 4.4841% | 602 |
| Loan and lease loss provision to assets | -0.1562% | 7,441 |
| Net operating income to assets | -0.1145% | 6,365 |
| Return on assets (ROA) | -0.1145% | 6,417 |
| Pretax return on assets | -0.2030% | 6,454 |
| Return on Equity (ROE) | -1.4163% | 6,457 |
| Retained earnings to average equity (ytd only) | -1.4163% | 6,138 |
| Net charge-offs to loans | -0.0044% | 6,574 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7066% | 503 |
| Assets per employee ($millions) | 2.8680% | 6,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7328% | 3,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 6,415 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 55.7318% | 5,033 |
| Net loans and leases to deposits | 60.7024% | 5,650 |
| Net loans and leases to core deposits | 61.4055% | 5,957 |
| Total domestic deposits to total assets | 91.8114% | 275 |
| Equity capital to assets | 8.0310% | 6,662 |
| Core capital (leverage) ratio | 8.0421% | 6,250 |
| Tier 1 risk-based capital ratio | 12.5809% | 5,265 |
| Total risk-based capital ratio | 13.8336% | 5,236 |
| Memoranda: | ||
| Average total assets | $76,849,000 | 5,625 |
| Average earning assets | $68,917,000 | 5,663 |
| Average equity | $6,213,330 | 6,173 |
| Average total loans | $45,047,000 | 5,556 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 6,434 |
| Cost of funding earning assets | 0.6821% | 6,239 |
| Net interest margin | 3.4513% | 5,217 |
| Noninterest income to average assets | 0.9353% | 1,525 |
| Noninterest expense to average assets | 4.7130% | 471 |
| Loan and lease loss provision to assets | 0.1568% | 4,068 |
| Net operating income to assets | -0.5539% | 6,838 |
| Return on assets (ROA) | -0.5539% | 6,843 |
| Pretax return on assets | -0.8412% | 6,940 |
| Return on Equity (ROE) | -6.8271% | 6,909 |
| Retained earnings to average equity (ytd only) | -6.8271% | 6,665 |
| Net charge-offs to loans | -0.0088% | 6,337 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.9909% | 384 |
| Assets per employee ($millions) | 2.7411% | 6,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9463% | 2,552 |
| Loan loss allowance to noncurrent loans | 186.2144% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9225% | 5,053 |
| Noncurrent loans to loans | 1.0452% | 4,966 |
| Net loans and leases to total assets | 55.8612% | 5,016 |
| Net loans and leases to deposits | 60.8142% | 5,640 |
| Net loans and leases to core deposits | 61.5246% | 5,971 |
| Total domestic deposits to total assets | 91.8555% | 328 |
| Equity capital to assets | 8.0220% | 6,471 |
| Core capital (leverage) ratio | 8.0822% | 6,149 |
| Tier 1 risk-based capital ratio | 12.3796% | 5,366 |
| Total risk-based capital ratio | 13.5542% | 5,424 |
| Memoranda: | ||
| Average total assets | $76,555,000 | 5,683 |
| Average earning assets | $68,612,500 | 5,711 |
| Average equity | $6,210,500 | 6,177 |
| Average total loans | $45,611,500 | 5,582 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8488% | 5,234 |
| Cost of funding earning assets | 0.9383% | 5,992 |
| Net interest margin | 3.9105% | 3,435 |
| Noninterest income to average assets | 0.9907% | 1,533 |
| Noninterest expense to average assets | 4.3542% | 764 |
| Loan and lease loss provision to assets | 0.1577% | 5,631 |
| Net operating income to assets | 0.0079% | 5,817 |
| Return on assets (ROA) | 0.0079% | 5,951 |
| Pretax return on assets | -0.0223% | 5,926 |
| Return on Equity (ROE) | 0.0973% | 5,941 |
| Retained earnings to average equity (ytd only) | 0.0973% | 5,538 |
| Net charge-offs to loans | 0.0079% | 6,761 |
| Credit loss provision to net charge-offs | 3,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 831 |
| Efficiency ratio | 96.9857% | 925 |
| Assets per employee ($millions) | 2.5453% | 6,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 3,109 |
| Loan loss allowance to noncurrent loans | 187.0159% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 4,950 |
| Noncurrent loans to loans | 0.9242% | 5,206 |
| Net loans and leases to total assets | 61.1284% | 4,464 |
| Net loans and leases to deposits | 66.7110% | 5,302 |
| Net loans and leases to core deposits | 67.2018% | 5,752 |
| Total domestic deposits to total assets | 91.6316% | 363 |
| Equity capital to assets | 8.2034% | 6,257 |
| Core capital (leverage) ratio | 8.1210% | 5,970 |
| Tier 1 risk-based capital ratio | 11.8526% | 5,614 |
| Total risk-based capital ratio | 12.9752% | 5,712 |
| Memoranda: | ||
| Average total assets | $76,110,000 | 5,708 |
| Average earning assets | $68,099,400 | 5,729 |
| Average equity | $6,168,400 | 6,316 |
| Average total loans | $50,807,800 | 5,451 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8327% | 5,538 |
| Cost of funding earning assets | 0.9802% | 6,034 |
| Net interest margin | 3.8525% | 3,740 |
| Noninterest income to average assets | 1.0046% | 1,454 |
| Noninterest expense to average assets | 4.3358% | 716 |
| Loan and lease loss provision to assets | 0.1578% | 5,468 |
| Net operating income to assets | -0.0228% | 6,038 |
| Return on assets (ROA) | -0.0228% | 6,163 |
| Pretax return on assets | -0.0368% | 6,147 |
| Return on Equity (ROE) | -0.2820% | 6,183 |
| Retained earnings to average equity (ytd only) | -0.2820% | 5,853 |
| Net charge-offs to loans | 0.0103% | 6,520 |
| Credit loss provision to net charge-offs | 2,250.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 17.2608% | 1,339 |
| Efficiency ratio | 97.2856% | 847 |
| Assets per employee ($millions) | 2.4558% | 7,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 3,659 |
| Loan loss allowance to noncurrent loans | 139.0158% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 1.1901% | 4,761 |
| Noncurrent loans to loans | 1.1287% | 4,978 |
| Net loans and leases to total assets | 65.1775% | 3,873 |
| Net loans and leases to deposits | 71.2272% | 4,964 |
| Net loans and leases to core deposits | 71.4899% | 5,574 |
| Total domestic deposits to total assets | 91.5065% | 304 |
| Equity capital to assets | 8.2032% | 6,609 |
| Core capital (leverage) ratio | 8.2263% | 5,997 |
| Tier 1 risk-based capital ratio | 11.0833% | 6,302 |
| Total risk-based capital ratio | 12.2019% | 6,406 |
| Memoranda: | ||
| Average total assets | $76,047,750 | 5,770 |
| Average earning assets | $68,144,750 | 5,795 |
| Average equity | $6,144,500 | 6,409 |
| Average total loans | $51,635,250 | 5,498 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8346% | 5,665 |
| Cost of funding earning assets | 1.0238% | 6,040 |
| Net interest margin | 3.8107% | 3,848 |
| Noninterest income to average assets | 1.0208% | 1,318 |
| Noninterest expense to average assets | 4.3725% | 666 |
| Loan and lease loss provision to assets | 0.1579% | 5,315 |
| Net operating income to assets | -0.0605% | 6,165 |
| Return on assets (ROA) | -0.0605% | 6,257 |
| Pretax return on assets | -0.0921% | 6,236 |
| Return on Equity (ROE) | -0.7527% | 6,290 |
| Retained earnings to average equity (ytd only) | -0.7527% | 5,917 |
| Net charge-offs to loans | 0.0154% | 6,128 |
| Credit loss provision to net charge-offs | 1,500.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,496 |
| Efficiency ratio | 98.5181% | 859 |
| Assets per employee ($millions) | 2.4679% | 7,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 4,075 |
| Loan loss allowance to noncurrent loans | 56.7487% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 2.1933% | 3,265 |
| Noncurrent loans to loans | 2.5871% | 3,049 |
| Net loans and leases to total assets | 66.7599% | 3,675 |
| Net loans and leases to deposits | 72.8848% | 4,852 |
| Net loans and leases to core deposits | 73.4687% | 5,503 |
| Total domestic deposits to total assets | 91.5965% | 311 |
| Equity capital to assets | 8.1512% | 6,596 |
| Core capital (leverage) ratio | 8.0744% | 6,160 |
| Tier 1 risk-based capital ratio | 10.9016% | 6,343 |
| Total risk-based capital ratio | 12.0350% | 6,445 |
| Memoranda: | ||
| Average total assets | $76,020,670 | 5,801 |
| Average earning assets | $68,175,670 | 5,823 |
| Average equity | $6,111,000 | 6,431 |
| Average total loans | $52,043,670 | 5,509 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9589% | 5,199 |
| Cost of funding earning assets | 1.0517% | 6,131 |
| Net interest margin | 3.9072% | 3,296 |
| Noninterest income to average assets | 1.0082% | 1,275 |
| Noninterest expense to average assets | 4.3125% | 714 |
| Loan and lease loss provision to assets | 0.1584% | 4,948 |
| Net operating income to assets | 0.0317% | 6,215 |
| Return on assets (ROA) | 0.0317% | 6,332 |
| Pretax return on assets | 0.0475% | 6,260 |
| Return on Equity (ROE) | 0.3968% | 6,309 |
| Retained earnings to average equity (ytd only) | 0.3968% | 5,678 |
| Net charge-offs to loans | 0.0153% | 5,369 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,197 |
| Efficiency ratio | 95.4439% | 1,057 |
| Assets per employee ($millions) | 2.3441% | 7,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 4,299 |
| Loan loss allowance to noncurrent loans | 53.5036% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.2326% | 3,235 |
| Noncurrent loans to loans | 2.6627% | 3,008 |
| Net loans and leases to total assets | 65.5653% | 3,965 |
| Net loans and leases to deposits | 71.2762% | 5,156 |
| Net loans and leases to core deposits | 71.2762% | 5,798 |
| Total domestic deposits to total assets | 91.9876% | 244 |
| Equity capital to assets | 7.8224% | 6,828 |
| Core capital (leverage) ratio | 8.1343% | 6,016 |
| Tier 1 risk-based capital ratio | 10.6048% | 6,536 |
| Total risk-based capital ratio | 11.8550% | 6,530 |
| Memoranda: | ||
| Average total assets | $75,779,000 | 5,883 |
| Average earning assets | $68,079,500 | 5,905 |
| Average equity | $6,048,500 | 6,503 |
| Average total loans | $52,148,000 | 5,574 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1100% | 6,049 |
| Cost of funding earning assets | 1.1462% | 6,830 |
| Net interest margin | 3.9638% | 3,013 |
| Noninterest income to average assets | 1.5290% | 612 |
| Noninterest expense to average assets | 4.8572% | 581 |
| Loan and lease loss provision to assets | 0.4691% | 4,007 |
| Net operating income to assets | -0.1377% | 5,739 |
| Return on assets (ROA) | -0.1325% | 5,722 |
| Pretax return on assets | -0.2082% | 5,714 |
| Return on Equity (ROE) | -1.6087% | 5,795 |
| Retained earnings to average equity (ytd only) | -1.6087% | 5,416 |
| Net charge-offs to loans | 0.7858% | 2,863 |
| Credit loss provision to net charge-offs | 86.5337% | 6,114 |
| Earnings coverage of net charge-offs (x) | 0.4663% | 5,644 |
| Efficiency ratio | 95.0529% | 1,350 |
| Assets per employee ($millions) | 2.3188% | 7,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 4,572 |
| Loan loss allowance to noncurrent loans | 139.8810% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 4,772 |
| Noncurrent loans to loans | 0.9537% | 5,401 |
| Net loans and leases to total assets | 70.2667% | 3,194 |
| Net loans and leases to deposits | 76.7069% | 4,626 |
| Net loans and leases to core deposits | 85.4208% | 5,582 |
| Total domestic deposits to total assets | 91.6041% | 349 |
| Equity capital to assets | 8.1479% | 6,406 |
| Core capital (leverage) ratio | 8.2537% | 5,711 |
| Tier 1 risk-based capital ratio | 10.2636% | 6,623 |
| Total risk-based capital ratio | 11.4610% | 6,641 |
| Memoranda: | ||
| Average total assets | $73,972,200 | 5,889 |
| Average earning assets | $66,829,800 | 5,900 |
| Average equity | $6,091,800 | 6,575 |
| Average total loans | $51,028,400 | 5,623 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 6,217 |
| Cost of funding earning assets | 1.1666% | 6,987 |
| Net interest margin | 3.9465% | 3,056 |
| Noninterest income to average assets | 0.8767% | 2,076 |
| Noninterest expense to average assets | 4.7297% | 599 |
| Loan and lease loss provision to assets | 0.3554% | 4,194 |
| Net operating income to assets | -0.4202% | 6,345 |
| Return on assets (ROA) | -0.4131% | 6,334 |
| Pretax return on assets | -0.6277% | 6,424 |
| Return on Equity (ROE) | -5.0027% | 6,452 |
| Retained earnings to average equity (ytd only) | -5.0027% | 6,258 |
| Net charge-offs to loans | 1.0862% | 1,834 |
| Credit loss provision to net charge-offs | 47.8155% | 6,345 |
| Earnings coverage of net charge-offs (x) | -0.3811% | 6,414 |
| Efficiency ratio | 106.3692% | 846 |
| Assets per employee ($millions) | 2.0373% | 7,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 6,059 |
| Loan loss allowance to noncurrent loans | 109.6774% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.1963% | 4,681 |
| Noncurrent loans to loans | 0.9492% | 5,398 |
| Net loans and leases to total assets | 72.5226% | 2,914 |
| Net loans and leases to deposits | 79.3570% | 4,498 |
| Net loans and leases to core deposits | 90.4168% | 5,394 |
| Total domestic deposits to total assets | 91.3878% | 280 |
| Equity capital to assets | 8.2952% | 6,511 |
| Core capital (leverage) ratio | 7.6937% | 6,742 |
| Tier 1 risk-based capital ratio | 10.2199% | 6,762 |
| Total risk-based capital ratio | 11.1605% | 7,013 |
| Memoranda: | ||
| Average total assets | $73,914,500 | 5,931 |
| Average earning assets | $66,858,750 | 5,941 |
| Average equity | $6,103,250 | 6,629 |
| Average total loans | $50,574,250 | 5,688 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0325% | 6,670 |
| Cost of funding earning assets | 1.1364% | 7,286 |
| Net interest margin | 3.8961% | 3,133 |
| Noninterest income to average assets | 0.8237% | 2,297 |
| Noninterest expense to average assets | 4.6614% | 662 |
| Loan and lease loss provision to assets | 0.2246% | 4,785 |
| Net operating income to assets | -0.3502% | 6,398 |
| Return on assets (ROA) | -0.3396% | 6,391 |
| Pretax return on assets | -0.5162% | 6,445 |
| Return on Equity (ROE) | -4.1194% | 6,495 |
| Retained earnings to average equity (ytd only) | -4.1194% | 6,160 |
| Net charge-offs to loans | 0.4439% | 3,038 |
| Credit loss provision to net charge-offs | 75.6757% | 5,307 |
| Earnings coverage of net charge-offs (x) | -1.0360% | 6,237 |
| Efficiency ratio | 107.0639% | 940 |
| Assets per employee ($millions) | 2.2671% | 7,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 3,596 |
| Loan loss allowance to noncurrent loans | 70.3170% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.7501% | 3,552 |
| Noncurrent loans to loans | 2.0270% | 3,476 |
| Net loans and leases to total assets | 65.6747% | 4,633 |
| Net loans and leases to deposits | 71.4816% | 5,813 |
| Net loans and leases to core deposits | 81.9145% | 6,248 |
| Total domestic deposits to total assets | 91.8763% | 234 |
| Equity capital to assets | 7.8396% | 6,927 |
| Core capital (leverage) ratio | 7.9697% | 6,387 |
| Tier 1 risk-based capital ratio | 10.2366% | 6,667 |
| Total risk-based capital ratio | 11.3279% | 6,772 |
| Memoranda: | ||
| Average total assets | $74,784,000 | 5,956 |
| Average earning assets | $67,760,000 | 5,955 |
| Average equity | $6,166,000 | 6,660 |
| Average total loans | $50,013,330 | 5,763 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0795% | 6,710 |
| Cost of funding earning assets | 1.1501% | 7,416 |
| Net interest margin | 3.9294% | 2,930 |
| Noninterest income to average assets | 0.7551% | 2,568 |
| Noninterest expense to average assets | 4.3947% | 792 |
| Loan and lease loss provision to assets | 0.1630% | 4,851 |
| Net operating income to assets | -0.1573% | 6,491 |
| Return on assets (ROA) | -0.1358% | 6,567 |
| Pretax return on assets | -0.2064% | 6,581 |
| Return on Equity (ROE) | -1.6058% | 6,619 |
| Retained earnings to average equity (ytd only) | -1.6058% | 6,018 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7610% | 1,060 |
| Assets per employee ($millions) | 2.1928% | 7,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 2,696 |
| Loan loss allowance to noncurrent loans | 88.2550% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.5662% | 3,583 |
| Noncurrent loans to loans | 1.7637% | 3,620 |
| Net loans and leases to total assets | 65.0180% | 4,808 |
| Net loans and leases to deposits | 70.8485% | 5,887 |
| Net loans and leases to core deposits | 81.5066% | 6,264 |
| Total domestic deposits to total assets | 91.7705% | 217 |
| Equity capital to assets | 8.0562% | 6,733 |
| Core capital (leverage) ratio | 8.4439% | 5,635 |
| Tier 1 risk-based capital ratio | 10.4325% | 6,462 |
| Total risk-based capital ratio | 11.5141% | 6,549 |
| Memoranda: | ||
| Average total assets | $73,634,500 | 6,012 |
| Average earning assets | $66,778,500 | 6,010 |
| Average equity | $6,227,500 | 6,679 |
| Average total loans | $49,342,000 | 5,826 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8246% | 6,360 |
| Cost of funding earning assets | 1.3284% | 7,816 |
| Net interest margin | 4.4962% | 1,434 |
| Noninterest income to average assets | 0.8953% | 1,974 |
| Noninterest expense to average assets | 4.8185% | 700 |
| Loan and lease loss provision to assets | 0.6527% | 2,228 |
| Net operating income to assets | -0.3898% | 6,810 |
| Return on assets (ROA) | -0.3888% | 6,689 |
| Pretax return on assets | -0.5307% | 6,677 |
| Return on Equity (ROE) | -4.2036% | 6,775 |
| Retained earnings to average equity (ytd only) | -4.2036% | 6,364 |
| Net charge-offs to loans | 0.3818% | 2,920 |
| Credit loss provision to net charge-offs | 304.6358% | 1,479 |
| Earnings coverage of net charge-offs (x) | 0.5629% | 5,891 |
| Efficiency ratio | 97.5582% | 1,078 |
| Assets per employee ($millions) | 1.9589% | 7,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 2,322 |
| Loan loss allowance to noncurrent loans | 84.7098% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.7073% | 2,854 |
| Noncurrent loans to loans | 1.8669% | 2,958 |
| Net loans and leases to total assets | 66.9815% | 4,641 |
| Net loans and leases to deposits | 75.1328% | 5,717 |
| Net loans and leases to core deposits | 83.5444% | 6,343 |
| Total domestic deposits to total assets | 89.1507% | 982 |
| Equity capital to assets | 8.8938% | 5,511 |
| Core capital (leverage) ratio | 8.6631% | 5,261 |
| Tier 1 risk-based capital ratio | 11.0997% | 5,643 |
| Total risk-based capital ratio | 12.3506% | 5,523 |
| Memoranda: | ||
| Average total assets | $70,479,000 | 6,024 |
| Average earning assets | $63,386,600 | 6,041 |
| Average equity | $6,518,200 | 6,635 |
| Average total loans | $39,548,600 | 6,185 |