Home > Centennial Bank > Performance and Condition Ratios
Centennial 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 | 4.4638% | 2,300 |
| Cost of funding earning assets | 1.2120% | 219 |
| Net interest margin | 3.2518% | 4,726 |
| Noninterest income to average assets | 0.0045% | 6,840 |
| Noninterest expense to average assets | 0.8175% | 6,978 |
| Loan and lease loss provision to assets | 0.1198% | 2,725 |
| Net operating income to assets | 1.2876% | 1,313 |
| Return on assets (ROA) | 1.2876% | 1,415 |
| Pretax return on assets | 2.2227% | 397 |
| Return on Equity (ROE) | 6.7410% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.7410% | 2,289 |
| Net charge-offs to loans | 0.9542% | 645 |
| Credit loss provision to net charge-offs | 15.7534% | 3,093 |
| Earnings coverage of net charge-offs (x) | 3.0812% | 2,846 |
| Efficiency ratio | 24.6940% | 6,980 |
| Assets per employee ($millions) | 31.1348% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7855% | 834 |
| Loan loss allowance to noncurrent loans | 16.2369% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 15.0894% | 72 |
| Noncurrent loans to loans | 17.1552% | 45 |
| Net loans and leases to total assets | 75.8487% | 860 |
| Net loans and leases to deposits | 117.8494% | 80 |
| Net loans and leases to core deposits | 125.2702% | 215 |
| Total domestic deposits to total assets | 64.3607% | 6,874 |
| Equity capital to assets | 19.5731% | 233 |
| Core capital (leverage) ratio | 19.4787% | 216 |
| Tier 1 risk-based capital ratio | 24.4439% | 963 |
| Total risk-based capital ratio | 25.7120% | 941 |
| Memoranda: | ||
| Average total assets | $537,733,000 | 1,258 |
| Average earning assets | $521,798,000 | 1,188 |
| Average equity | $102,714,000 | 712 |
| Average total loans | $428,411,500 | 997 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 2,403 |
| Cost of funding earning assets | 1.4235% | 234 |
| Net interest margin | 3.3246% | 5,166 |
| Noninterest income to average assets | 0.0160% | 6,785 |
| Noninterest expense to average assets | 0.9721% | 7,017 |
| Loan and lease loss provision to assets | 0.6026% | 912 |
| Net operating income to assets | 1.0117% | 2,286 |
| Return on assets (ROA) | 1.0117% | 2,500 |
| Pretax return on assets | 1.6878% | 1,167 |
| Return on Equity (ROE) | 6.3583% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.3583% | 1,895 |
| Net charge-offs to loans | 1.3924% | 658 |
| Credit loss provision to net charge-offs | 52.4867% | 4,632 |
| Earnings coverage of net charge-offs (x) | 1.9949% | 4,419 |
| Efficiency ratio | 28.8080% | 7,026 |
| Assets per employee ($millions) | 32.1279% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7856% | 831 |
| Loan loss allowance to noncurrent loans | 19.0800% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 12.1621% | 137 |
| Noncurrent loans to loans | 14.5995% | 82 |
| Net loans and leases to total assets | 79.0032% | 567 |
| Net loans and leases to deposits | 123.3844% | 58 |
| Net loans and leases to core deposits | 131.0360% | 178 |
| Total domestic deposits to total assets | 64.0301% | 6,932 |
| Equity capital to assets | 18.6441% | 284 |
| Core capital (leverage) ratio | 17.7216% | 301 |
| Tier 1 risk-based capital ratio | 22.7631% | 1,146 |
| Total risk-based capital ratio | 24.0320% | 1,130 |
| Memoranda: | ||
| Average total assets | $619,974,800 | 1,070 |
| Average earning assets | $605,420,400 | 989 |
| Average equity | $98,642,200 | 720 |
| Average total loans | $511,192,800 | 808 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 2,340 |
| Cost of funding earning assets | 1.4520% | 247 |
| Net interest margin | 3.3632% | 5,169 |
| Noninterest income to average assets | -0.0079% | 6,959 |
| Noninterest expense to average assets | 1.0649% | 7,106 |
| Loan and lease loss provision to assets | 0.6121% | 885 |
| Net operating income to assets | 0.9540% | 2,730 |
| Return on assets (ROA) | 0.9540% | 2,951 |
| Pretax return on assets | 1.5991% | 1,579 |
| Return on Equity (ROE) | 6.2246% | 4,218 |
| Retained earnings to average equity (ytd only) | 6.2246% | 2,546 |
| Net charge-offs to loans | 1.2509% | 765 |
| Credit loss provision to net charge-offs | 59.1643% | 4,163 |
| Earnings coverage of net charge-offs (x) | 2.1373% | 4,195 |
| Efficiency ratio | 31.5484% | 7,114 |
| Assets per employee ($millions) | 34.2239% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8321% | 859 |
| Loan loss allowance to noncurrent loans | 21.1695% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 11.2376% | 185 |
| Noncurrent loans to loans | 13.3782% | 124 |
| Net loans and leases to total assets | 80.9311% | 438 |
| Net loans and leases to deposits | 123.2710% | 64 |
| Net loans and leases to core deposits | 130.6878% | 185 |
| Total domestic deposits to total assets | 65.6530% | 6,984 |
| Equity capital to assets | 17.2033% | 432 |
| Core capital (leverage) ratio | 16.4430% | 433 |
| Tier 1 risk-based capital ratio | 20.3982% | 1,657 |
| Total risk-based capital ratio | 21.6676% | 1,619 |
| Memoranda: | ||
| Average total assets | $638,425,000 | 1,042 |
| Average earning assets | $623,404,000 | 974 |
| Average equity | $97,845,500 | 729 |
| Average total loans | $528,026,250 | 785 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8967% | 2,123 |
| Cost of funding earning assets | 1.4940% | 244 |
| Net interest margin | 3.4027% | 5,075 |
| Noninterest income to average assets | -0.0615% | 7,062 |
| Noninterest expense to average assets | 1.0665% | 7,177 |
| Loan and lease loss provision to assets | 0.7586% | 689 |
| Net operating income to assets | 0.8711% | 3,037 |
| Return on assets (ROA) | 0.8711% | 3,297 |
| Pretax return on assets | 1.4344% | 2,071 |
| Return on Equity (ROE) | 5.8972% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.8972% | 2,762 |
| Net charge-offs to loans | 1.5159% | 656 |
| Credit loss provision to net charge-offs | 60.6274% | 3,779 |
| Earnings coverage of net charge-offs (x) | 1.7527% | 4,106 |
| Efficiency ratio | 31.7868% | 7,164 |
| Assets per employee ($millions) | 35.4259% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7635% | 978 |
| Loan loss allowance to noncurrent loans | 20.8237% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 10.8784% | 220 |
| Noncurrent loans to loans | 13.2708% | 133 |
| Net loans and leases to total assets | 77.9526% | 729 |
| Net loans and leases to deposits | 113.8515% | 104 |
| Net loans and leases to core deposits | 120.0147% | 312 |
| Total domestic deposits to total assets | 68.4687% | 6,978 |
| Equity capital to assets | 15.4385% | 691 |
| Core capital (leverage) ratio | 14.6844% | 658 |
| Tier 1 risk-based capital ratio | 19.0118% | 1,962 |
| Total risk-based capital ratio | 20.2804% | 1,943 |
| Memoranda: | ||
| Average total assets | $657,297,670 | 1,003 |
| Average earning assets | $641,488,000 | 945 |
| Average equity | $97,097,330 | 734 |
| Average total loans | $542,506,000 | 771 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 2,501 |
| Cost of funding earning assets | 1.5189% | 262 |
| Net interest margin | 3.3168% | 5,412 |
| Noninterest income to average assets | 0.0144% | 7,062 |
| Noninterest expense to average assets | 1.0619% | 7,246 |
| Loan and lease loss provision to assets | 0.5324% | 1,123 |
| Net operating income to assets | 0.9995% | 2,483 |
| Return on assets (ROA) | 0.9995% | 2,672 |
| Pretax return on assets | 1.6567% | 1,418 |
| Return on Equity (ROE) | 6.9154% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.9154% | 2,477 |
| Net charge-offs to loans | 1.0857% | 949 |
| Credit loss provision to net charge-offs | 58.6139% | 3,142 |
| Earnings coverage of net charge-offs (x) | 2.4099% | 3,213 |
| Efficiency ratio | 31.7411% | 7,225 |
| Assets per employee ($millions) | 33.8331% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7661% | 1,039 |
| Loan loss allowance to noncurrent loans | 22.4764% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 10.2388% | 283 |
| Noncurrent loans to loans | 12.3068% | 190 |
| Net loans and leases to total assets | 78.5410% | 540 |
| Net loans and leases to deposits | 111.5740% | 117 |
| Net loans and leases to core deposits | 124.0372% | 252 |
| Total domestic deposits to total assets | 70.3936% | 6,963 |
| Equity capital to assets | 14.3722% | 903 |
| Core capital (leverage) ratio | 14.2930% | 731 |
| Tier 1 risk-based capital ratio | 17.2563% | 2,576 |
| Total risk-based capital ratio | 18.5247% | 2,540 |
| Memoranda: | ||
| Average total assets | $667,113,000 | 987 |
| Average earning assets | $650,992,000 | 932 |
| Average equity | $96,423,000 | 738 |
| Average total loans | $558,156,500 | 747 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 2,549 |
| Cost of funding earning assets | 1.8306% | 194 |
| Net interest margin | 3.2448% | 5,973 |
| Noninterest income to average assets | -0.1695% | 7,147 |
| Noninterest expense to average assets | 0.8429% | 7,309 |
| Loan and lease loss provision to assets | 1.0802% | 843 |
| Net operating income to assets | 0.6543% | 3,726 |
| Return on assets (ROA) | 0.6543% | 3,920 |
| Pretax return on assets | 1.0710% | 2,952 |
| Return on Equity (ROE) | 5.2144% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.2144% | 2,499 |
| Net charge-offs to loans | 1.6399% | 955 |
| Credit loss provision to net charge-offs | 77.0399% | 4,596 |
| Earnings coverage of net charge-offs (x) | 1.5342% | 4,627 |
| Efficiency ratio | 27.2339% | 7,306 |
| Assets per employee ($millions) | 32.8783% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7637% | 1,021 |
| Loan loss allowance to noncurrent loans | 23.4546% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 10.4431% | 298 |
| Noncurrent loans to loans | 11.7833% | 229 |
| Net loans and leases to total assets | 84.2490% | 199 |
| Net loans and leases to deposits | 120.9946% | 81 |
| Net loans and leases to core deposits | 135.7301% | 194 |
| Total domestic deposits to total assets | 69.6304% | 7,004 |
| Equity capital to assets | 14.5377% | 884 |
| Core capital (leverage) ratio | 13.2639% | 1,048 |
| Tier 1 risk-based capital ratio | 16.3087% | 2,900 |
| Total risk-based capital ratio | 17.5772% | 2,863 |
| Memoranda: | ||
| Average total assets | $728,117,600 | 898 |
| Average earning assets | $709,881,000 | 840 |
| Average equity | $91,362,600 | 741 |
| Average total loans | $622,524,200 | 671 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 2,725 |
| Cost of funding earning assets | 1.8429% | 218 |
| Net interest margin | 3.2342% | 6,065 |
| Noninterest income to average assets | -0.1872% | 7,261 |
| Noninterest expense to average assets | 0.8113% | 7,391 |
| Loan and lease loss provision to assets | 1.1111% | 734 |
| Net operating income to assets | 0.5939% | 4,109 |
| Return on assets (ROA) | 0.5939% | 4,297 |
| Pretax return on assets | 1.0421% | 3,241 |
| Return on Equity (ROE) | 4.9048% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.9048% | 3,239 |
| Net charge-offs to loans | 1.4761% | 988 |
| Credit loss provision to net charge-offs | 88.3063% | 3,832 |
| Earnings coverage of net charge-offs (x) | 1.7113% | 4,374 |
| Efficiency ratio | 26.4624% | 7,377 |
| Assets per employee ($millions) | 36.9372% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8621% | 968 |
| Loan loss allowance to noncurrent loans | 28.2081% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 8.5501% | 488 |
| Noncurrent loans to loans | 10.1464% | 350 |
| Net loans and leases to total assets | 79.3280% | 577 |
| Net loans and leases to deposits | 107.9444% | 208 |
| Net loans and leases to core deposits | 125.0880% | 296 |
| Total domestic deposits to total assets | 73.4897% | 6,816 |
| Equity capital to assets | 12.4059% | 1,968 |
| Core capital (leverage) ratio | 12.1143% | 1,641 |
| Tier 1 risk-based capital ratio | 14.6645% | 3,856 |
| Total risk-based capital ratio | 15.9342% | 3,824 |
| Memoranda: | ||
| Average total assets | $745,755,750 | 892 |
| Average earning assets | $726,753,500 | 826 |
| Average equity | $90,304,500 | 750 |
| Average total loans | $635,720,750 | 656 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 2,715 |
| Cost of funding earning assets | 1.8732% | 234 |
| Net interest margin | 3.2201% | 6,100 |
| Noninterest income to average assets | -0.8571% | 7,465 |
| Noninterest expense to average assets | 0.8435% | 7,465 |
| Loan and lease loss provision to assets | 0.2673% | 3,262 |
| Net operating income to assets | 0.7119% | 3,483 |
| Return on assets (ROA) | 0.7119% | 3,595 |
| Pretax return on assets | 1.1678% | 2,610 |
| Return on Equity (ROE) | 5.9272% | 4,007 |
| Retained earnings to average equity (ytd only) | 5.9272% | 2,477 |
| Net charge-offs to loans | 0.5500% | 2,453 |
| Credit loss provision to net charge-offs | 56.2430% | 4,435 |
| Earnings coverage of net charge-offs (x) | 3.0191% | 3,347 |
| Efficiency ratio | 35.8442% | 7,393 |
| Assets per employee ($millions) | 36.4286% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7654% | 1,111 |
| Loan loss allowance to noncurrent loans | 23.7167% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 10.8654% | 321 |
| Noncurrent loans to loans | 11.6602% | 278 |
| Net loans and leases to total assets | 83.5478% | 270 |
| Net loans and leases to deposits | 113.8019% | 128 |
| Net loans and leases to core deposits | 153.1078% | 135 |
| Total domestic deposits to total assets | 73.4151% | 6,889 |
| Equity capital to assets | 12.4925% | 1,782 |
| Core capital (leverage) ratio | 12.0439% | 1,575 |
| Tier 1 risk-based capital ratio | 14.0156% | 4,164 |
| Total risk-based capital ratio | 15.2838% | 4,118 |
| Memoranda: | ||
| Average total assets | $748,093,000 | 895 |
| Average earning assets | $728,492,330 | 830 |
| Average equity | $89,856,670 | 755 |
| Average total loans | $646,528,330 | 657 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0861% | 2,707 |
| Cost of funding earning assets | 1.8818% | 272 |
| Net interest margin | 3.2043% | 6,059 |
| Noninterest income to average assets | -0.5151% | 7,499 |
| Noninterest expense to average assets | 0.8498% | 7,529 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0535% | 1,989 |
| Return on assets (ROA) | 1.0535% | 2,042 |
| Pretax return on assets | 1.7581% | 885 |
| Return on Equity (ROE) | 8.9430% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.9430% | 1,398 |
| Net charge-offs to loans | 0.1803% | 3,411 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 11.2534% | 1,563 |
| Efficiency ratio | 31.5726% | 7,488 |
| Assets per employee ($millions) | 37.5183% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7516% | 1,153 |
| Loan loss allowance to noncurrent loans | 24.9474% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 9.9596% | 419 |
| Noncurrent loans to loans | 11.0294% | 337 |
| Net loans and leases to total assets | 83.8119% | 237 |
| Net loans and leases to deposits | 112.9666% | 143 |
| Net loans and leases to core deposits | 158.9733% | 130 |
| Total domestic deposits to total assets | 74.1918% | 6,881 |
| Equity capital to assets | 12.0315% | 1,901 |
| Core capital (leverage) ratio | 11.7348% | 1,714 |
| Tier 1 risk-based capital ratio | 13.5806% | 4,369 |
| Total risk-based capital ratio | 14.8490% | 4,328 |
| Memoranda: | ||
| Average total assets | $757,853,500 | 888 |
| Average earning assets | $738,643,000 | 825 |
| Average equity | $89,276,500 | 754 |
| Average total loans | $656,783,500 | 654 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3026% | 3,119 |
| Cost of funding earning assets | 2.3191% | 196 |
| Net interest margin | 2.9834% | 6,757 |
| Noninterest income to average assets | -0.3565% | 7,527 |
| Noninterest expense to average assets | 0.8546% | 7,593 |
| Loan and lease loss provision to assets | 1.0608% | 1,517 |
| Net operating income to assets | 0.3920% | 4,578 |
| Return on assets (ROA) | 0.3920% | 4,723 |
| Pretax return on assets | 0.6302% | 4,230 |
| Return on Equity (ROE) | 3.7675% | 4,625 |
| Retained earnings to average equity (ytd only) | 3.7675% | 3,229 |
| Net charge-offs to loans | 1.5056% | 1,461 |
| Credit loss provision to net charge-offs | 82.7039% | 5,459 |
| Earnings coverage of net charge-offs (x) | 1.3184% | 4,789 |
| Efficiency ratio | 32.6059% | 7,570 |
| Assets per employee ($millions) | 38.2671% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7126% | 1,150 |
| Loan loss allowance to noncurrent loans | 22.7745% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 10.8672% | 356 |
| Noncurrent loans to loans | 11.9109% | 299 |
| Net loans and leases to total assets | 84.7710% | 248 |
| Net loans and leases to deposits | 114.8226% | 161 |
| Net loans and leases to core deposits | 162.1621% | 138 |
| Total domestic deposits to total assets | 73.8278% | 6,914 |
| Equity capital to assets | 11.5338% | 2,235 |
| Core capital (leverage) ratio | 11.0842% | 2,100 |
| Tier 1 risk-based capital ratio | 13.0314% | 4,580 |
| Total risk-based capital ratio | 14.2992% | 4,524 |
| Memoranda: | ||
| Average total assets | $815,398,000 | 830 |
| Average earning assets | $793,179,200 | 768 |
| Average equity | $84,831,000 | 785 |
| Average total loans | $694,651,800 | 631 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4706% | 2,555 |
| Cost of funding earning assets | 2.3680% | 212 |
| Net interest margin | 3.1026% | 6,610 |
| Noninterest income to average assets | -0.4706% | 7,673 |
| Noninterest expense to average assets | 0.8514% | 7,713 |
| Loan and lease loss provision to assets | 0.6120% | 2,492 |
| Net operating income to assets | 0.6588% | 3,603 |
| Return on assets (ROA) | 0.6588% | 3,769 |
| Pretax return on assets | 1.0824% | 2,888 |
| Return on Equity (ROE) | 6.4958% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.4958% | 2,094 |
| Net charge-offs to loans | 0.4719% | 3,391 |
| Credit loss provision to net charge-offs | 153.0407% | 2,527 |
| Earnings coverage of net charge-offs (x) | 4.2372% | 3,143 |
| Efficiency ratio | 32.4962% | 7,664 |
| Assets per employee ($millions) | 38.7370% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0885% | 766 |
| Loan loss allowance to noncurrent loans | 35.3565% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 7.8362% | 653 |
| Noncurrent loans to loans | 8.7353% | 564 |
| Net loans and leases to total assets | 81.8367% | 516 |
| Net loans and leases to deposits | 109.7865% | 260 |
| Net loans and leases to core deposits | 158.1051% | 156 |
| Total domestic deposits to total assets | 74.5417% | 6,849 |
| Equity capital to assets | 10.8217% | 3,148 |
| Core capital (leverage) ratio | 10.7631% | 2,454 |
| Tier 1 risk-based capital ratio | 12.6127% | 4,881 |
| Total risk-based capital ratio | 13.8852% | 4,848 |
| Memoranda: | ||
| Average total assets | $827,912,000 | 816 |
| Average earning assets | $804,891,250 | 757 |
| Average equity | $83,970,500 | 789 |
| Average total loans | $701,595,250 | 626 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5564% | 2,305 |
| Cost of funding earning assets | 2.4002% | 238 |
| Net interest margin | 3.1562% | 6,443 |
| Noninterest income to average assets | -0.6072% | 7,761 |
| Noninterest expense to average assets | 0.8471% | 7,788 |
| Loan and lease loss provision to assets | 0.6605% | 2,184 |
| Net operating income to assets | 0.5829% | 3,940 |
| Return on assets (ROA) | 0.5829% | 4,084 |
| Pretax return on assets | 0.9516% | 3,304 |
| Return on Equity (ROE) | 5.8753% | 3,862 |
| Retained earnings to average equity (ytd only) | 5.8753% | 2,406 |
| Net charge-offs to loans | 0.7029% | 2,461 |
| Credit loss provision to net charge-offs | 110.7531% | 3,666 |
| Earnings coverage of net charge-offs (x) | 2.7032% | 3,644 |
| Efficiency ratio | 33.4701% | 7,720 |
| Assets per employee ($millions) | 38.6520% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8922% | 924 |
| Loan loss allowance to noncurrent loans | 42.2015% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 6.3971% | 885 |
| Noncurrent loans to loans | 6.8533% | 846 |
| Net loans and leases to total assets | 83.4175% | 399 |
| Net loans and leases to deposits | 111.3081% | 245 |
| Net loans and leases to core deposits | 161.4828% | 161 |
| Total domestic deposits to total assets | 74.9429% | 6,864 |
| Equity capital to assets | 10.3146% | 3,631 |
| Core capital (leverage) ratio | 10.1633% | 2,984 |
| Tier 1 risk-based capital ratio | 11.7989% | 5,493 |
| Total risk-based capital ratio | 13.0689% | 5,441 |
| Memoranda: | ||
| Average total assets | $832,724,000 | 813 |
| Average earning assets | $809,010,000 | 749 |
| Average equity | $82,616,670 | 797 |
| Average total loans | $706,481,000 | 625 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5127% | 2,525 |
| Cost of funding earning assets | 2.4059% | 300 |
| Net interest margin | 3.1068% | 6,574 |
| Noninterest income to average assets | 0.0033% | 7,647 |
| Noninterest expense to average assets | 0.8667% | 7,887 |
| Loan and lease loss provision to assets | 0.8301% | 1,525 |
| Net operating income to assets | 0.7969% | 2,977 |
| Return on assets (ROA) | 0.7969% | 3,083 |
| Pretax return on assets | 1.3216% | 1,994 |
| Return on Equity (ROE) | 8.1888% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.1888% | 1,627 |
| Net charge-offs to loans | 0.6126% | 2,284 |
| Credit loss provision to net charge-offs | 160.6979% | 2,245 |
| Earnings coverage of net charge-offs (x) | 4.1653% | 2,687 |
| Efficiency ratio | 27.9271% | 7,864 |
| Assets per employee ($millions) | 39.9109% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9045% | 893 |
| Loan loss allowance to noncurrent loans | 42.4574% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 6.6938% | 830 |
| Noncurrent loans to loans | 6.8409% | 883 |
| Net loans and leases to total assets | 82.0055% | 591 |
| Net loans and leases to deposits | 108.2264% | 337 |
| Net loans and leases to core deposits | 154.6885% | 214 |
| Total domestic deposits to total assets | 75.7722% | 6,795 |
| Equity capital to assets | 9.8939% | 4,002 |
| Core capital (leverage) ratio | 9.7994% | 3,398 |
| Tier 1 risk-based capital ratio | 11.4700% | 5,702 |
| Total risk-based capital ratio | 12.7401% | 5,667 |
| Memoranda: | ||
| Average total assets | $843,239,500 | 817 |
| Average earning assets | $818,328,000 | 761 |
| Average equity | $82,063,500 | 806 |
| Average total loans | $711,091,500 | 638 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7153% | 3,032 |
| Cost of funding earning assets | 3.0689% | 188 |
| Net interest margin | 2.6464% | 7,286 |
| Noninterest income to average assets | 0.0201% | 7,627 |
| Noninterest expense to average assets | 1.3785% | 7,846 |
| Loan and lease loss provision to assets | 2.2968% | 889 |
| Net operating income to assets | -0.8843% | 6,501 |
| Return on assets (ROA) | -0.8581% | 6,477 |
| Pretax return on assets | -1.0505% | 6,449 |
| Return on Equity (ROE) | -8.5279% | 6,511 |
| Retained earnings to average equity (ytd only) | -8.5279% | 6,394 |
| Net charge-offs to loans | 0.7793% | 2,875 |
| Credit loss provision to net charge-offs | 351.4825% | 922 |
| Earnings coverage of net charge-offs (x) | 1.8583% | 4,325 |
| Efficiency ratio | 23.9436% | 7,970 |
| Assets per employee ($millions) | 42.4175% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7858% | 944 |
| Loan loss allowance to noncurrent loans | 44.6827% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 6.1545% | 909 |
| Noncurrent loans to loans | 6.2345% | 989 |
| Net loans and leases to total assets | 81.8544% | 704 |
| Net loans and leases to deposits | 107.8025% | 469 |
| Net loans and leases to core deposits | 236.3698% | 55 |
| Total domestic deposits to total assets | 75.9300% | 6,694 |
| Equity capital to assets | 9.5719% | 4,319 |
| Core capital (leverage) ratio | 9.7899% | 3,333 |
| Tier 1 risk-based capital ratio | 10.8392% | 6,077 |
| Total risk-based capital ratio | 12.1064% | 6,030 |
| Memoranda: | ||
| Average total assets | $867,071,400 | 783 |
| Average earning assets | $842,968,600 | 724 |
| Average equity | $87,242,600 | 732 |
| Average total loans | $727,072,000 | 634 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8097% | 2,846 |
| Cost of funding earning assets | 3.2255% | 174 |
| Net interest margin | 2.5842% | 7,372 |
| Noninterest income to average assets | 0.0248% | 7,752 |
| Noninterest expense to average assets | 0.6508% | 8,063 |
| Loan and lease loss provision to assets | 2.5106% | 663 |
| Net operating income to assets | -0.3247% | 6,234 |
| Return on assets (ROA) | -0.3247% | 6,249 |
| Pretax return on assets | -0.6234% | 6,417 |
| Return on Equity (ROE) | -3.1893% | 6,270 |
| Retained earnings to average equity (ytd only) | -3.1893% | 5,976 |
| Net charge-offs to loans | 0.8108% | 2,338 |
| Credit loss provision to net charge-offs | 369.6240% | 1,096 |
| Earnings coverage of net charge-offs (x) | 2.7784% | 3,834 |
| Efficiency ratio | 24.7379% | 8,037 |
| Assets per employee ($millions) | 41.2784% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4290% | 1,135 |
| Loan loss allowance to noncurrent loans | 95.6578% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 3.3573% | 2,000 |
| Noncurrent loans to loans | 2.5393% | 2,972 |
| Net loans and leases to total assets | 85.7508% | 362 |
| Net loans and leases to deposits | 113.4830% | 345 |
| Net loans and leases to core deposits | 205.5036% | 92 |
| Total domestic deposits to total assets | 75.5626% | 6,664 |
| Equity capital to assets | 10.5605% | 3,441 |
| Core capital (leverage) ratio | 9.3975% | 4,049 |
| Tier 1 risk-based capital ratio | 10.6142% | 6,327 |
| Total risk-based capital ratio | 11.8780% | 6,295 |
| Memoranda: | ||
| Average total assets | $871,751,750 | 790 |
| Average earning assets | $847,805,750 | 727 |
| Average equity | $88,752,500 | 740 |
| Average total loans | $730,262,250 | 649 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7218% | 3,426 |
| Cost of funding earning assets | 3.2811% | 217 |
| Net interest margin | 2.4407% | 7,537 |
| Noninterest income to average assets | 0.0329% | 7,827 |
| Noninterest expense to average assets | 0.5744% | 8,164 |
| Loan and lease loss provision to assets | 1.4237% | 1,221 |
| Net operating income to assets | 0.2721% | 5,006 |
| Return on assets (ROA) | 0.2721% | 5,106 |
| Pretax return on assets | 0.4184% | 4,884 |
| Return on Equity (ROE) | 2.7040% | 5,013 |
| Retained earnings to average equity (ytd only) | 2.7040% | 3,824 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.8380% | 8,132 |
| Assets per employee ($millions) | 43.3100% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 2,675 |
| Loan loss allowance to noncurrent loans | 60.8256% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 2.2710% | 2,871 |
| Noncurrent loans to loans | 2.6563% | 2,719 |
| Net loans and leases to total assets | 84.1110% | 616 |
| Net loans and leases to deposits | 111.9353% | 481 |
| Net loans and leases to core deposits | 204.2085% | 109 |
| Total domestic deposits to total assets | 75.1425% | 6,736 |
| Equity capital to assets | 10.3876% | 3,530 |
| Core capital (leverage) ratio | 9.5266% | 3,846 |
| Tier 1 risk-based capital ratio | 10.8379% | 6,044 |
| Total risk-based capital ratio | 12.0919% | 5,974 |
| Memoranda: | ||
| Average total assets | $887,146,330 | 792 |
| Average earning assets | $866,403,670 | 729 |
| Average equity | $89,275,330 | 737 |
| Average total loans | $731,831,330 | 667 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6465% | 4,075 |
| Cost of funding earning assets | 3.2539% | 301 |
| Net interest margin | 2.3926% | 7,624 |
| Noninterest income to average assets | 0.0597% | 7,774 |
| Noninterest expense to average assets | 0.6029% | 8,212 |
| Loan and lease loss provision to assets | 1.4772% | 852 |
| Net operating income to assets | 0.2135% | 5,620 |
| Return on assets (ROA) | 0.2135% | 5,780 |
| Pretax return on assets | 0.3177% | 5,631 |
| Return on Equity (ROE) | 2.1546% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.1546% | 4,673 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.2148% | 8,174 |
| Assets per employee ($millions) | 38.7166% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 4,597 |
| Loan loss allowance to noncurrent loans | 103.8217% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 4,771 |
| Noncurrent loans to loans | 1.1833% | 4,609 |
| Net loans and leases to total assets | 80.9429% | 1,211 |
| Net loans and leases to deposits | 106.8809% | 802 |
| Net loans and leases to core deposits | 220.9771% | 99 |
| Total domestic deposits to total assets | 75.7319% | 6,568 |
| Equity capital to assets | 10.0171% | 3,985 |
| Core capital (leverage) ratio | 9.2636% | 4,295 |
| Tier 1 risk-based capital ratio | 10.5222% | 6,375 |
| Total risk-based capital ratio | 11.6762% | 6,380 |
| Memoranda: | ||
| Average total assets | $897,620,000 | 786 |
| Average earning assets | $877,221,000 | 724 |
| Average equity | $88,924,500 | 745 |
| Average total loans | $727,480,000 | 681 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2036% | 4,497 |
| Cost of funding earning assets | 3.3053% | 910 |
| Net interest margin | 2.8982% | 7,158 |
| Noninterest income to average assets | 0.2991% | 6,320 |
| Noninterest expense to average assets | 0.6733% | 8,247 |
| Loan and lease loss provision to assets | 0.0908% | 6,245 |
| Net operating income to assets | 1.4066% | 1,212 |
| Return on assets (ROA) | 1.3680% | 1,257 |
| Pretax return on assets | 2.3074% | 309 |
| Return on Equity (ROE) | 13.0452% | 1,317 |
| Retained earnings to average equity (ytd only) | 4.7301% | 2,190 |
| Net charge-offs to loans | -0.0003% | 7,712 |
| Credit loss provision to net charge-offs | -36,450.0000% | 7,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.7032% | 8,259 |
| Assets per employee ($millions) | 39.3373% | 44 |
| Cash dividends to net income (ytd only)* | 63.7407% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7791% | 7,176 |
| Loan loss allowance to noncurrent loans | 316.8817% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 6,780 |
| Noncurrent loans to loans | 0.2459% | 6,646 |
| Net loans and leases to total assets | 79.5310% | 1,768 |
| Net loans and leases to deposits | 104.5076% | 1,290 |
| Net loans and leases to core deposits | 214.3620% | 128 |
| Total domestic deposits to total assets | 76.1007% | 6,217 |
| Equity capital to assets | 9.7981% | 4,291 |
| Core capital (leverage) ratio | 9.3132% | 4,281 |
| Tier 1 risk-based capital ratio | 10.5350% | 6,173 |
| Total risk-based capital ratio | 11.2680% | 6,592 |
| Memoranda: | ||
| Average total assets | $802,764,600 | 841 |
| Average earning assets | $784,613,600 | 786 |
| Average equity | $84,184,200 | 794 |
| Average total loans | $684,085,400 | 697 |