Home > Centra Bank, Inc. > Performance and Condition Ratios
Centra Bank, Inc., Performance and Condition Ratios
| 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 | 4.9268% | 2,150 |
| Cost of funding earning assets | 0.2632% | 6,971 |
| Net interest margin | 4.6637% | 733 |
| Noninterest income to average assets | 0.5250% | 3,744 |
| Noninterest expense to average assets | 1.9789% | 6,505 |
| Loan and lease loss provision to assets | 0.3191% | 1,965 |
| Net operating income to assets | 1.6070% | 853 |
| Return on assets (ROA) | 1.6070% | 951 |
| Pretax return on assets | 2.3633% | 412 |
| Return on Equity (ROE) | 11.2316% | 1,931 |
| Retained earnings to average equity (ytd only) | 2.8010% | 4,856 |
| Net charge-offs to loans | 0.3328% | 2,322 |
| Credit loss provision to net charge-offs | 123.7427% | 1,929 |
| Earnings coverage of net charge-offs (x) | 10.4035% | 1,761 |
| Efficiency ratio | 39.2767% | 7,119 |
| Assets per employee ($millions) | 7.0741% | 736 |
| Cash dividends to net income (ytd only)* | 75.0610% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0735% | 7,227 |
| Loan loss allowance to noncurrent loans | 22.1502% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7651% | 5,012 |
| Noncurrent loans to loans | 0.3319% | 6,008 |
| Net loans and leases to total assets | 77.2623% | 663 |
| Net loans and leases to deposits | 93.5007% | 698 |
| Net loans and leases to core deposits | 110.6435% | 517 |
| Total domestic deposits to total assets | 82.6329% | 5,069 |
| Equity capital to assets | 14.3997% | 890 |
| Core capital (leverage) ratio | 9.4939% | 4,055 |
| Tier 1 risk-based capital ratio | 11.9383% | 6,001 |
| Total risk-based capital ratio | 12.0135% | 6,625 |
| Memoranda: | ||
| Average total assets | $1,326,423,000 | 506 |
| Average earning assets | $1,176,413,500 | 511 |
| Average equity | $189,786,000 | 381 |
| Average total loans | $1,027,566,500 | 411 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4285% | 7,262 |
| Cost of funding earning assets | 0.0850% | 7,316 |
| Net interest margin | 2.3435% | 7,128 |
| Noninterest income to average assets | 0.2841% | 5,500 |
| Noninterest expense to average assets | 0.8850% | 7,303 |
| Loan and lease loss provision to assets | 0.0448% | 6,018 |
| Net operating income to assets | 1.0272% | 2,099 |
| Return on assets (ROA) | 1.0272% | 2,249 |
| Pretax return on assets | 1.4996% | 1,470 |
| Return on Equity (ROE) | 8.2058% | 2,806 |
| Retained earnings to average equity (ytd only) | 1.0543% | 5,360 |
| Net charge-offs to loans | 0.0049% | 6,369 |
| Credit loss provision to net charge-offs | 1,176.4706% | 184 |
| Earnings coverage of net charge-offs (x) | 405.9020% | 84 |
| Efficiency ratio | 33.1562% | 7,274 |
| Assets per employee ($millions) | 6.6169% | 894 |
| Cash dividends to net income (ytd only)* | 87.1523% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0532% | 7,285 |
| Loan loss allowance to noncurrent loans | 18.2150% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 5,387 |
| Noncurrent loans to loans | 0.2920% | 6,140 |
| Net loans and leases to total assets | 77.5767% | 760 |
| Net loans and leases to deposits | 93.7005% | 830 |
| Net loans and leases to core deposits | 109.5876% | 633 |
| Total domestic deposits to total assets | 82.7923% | 4,837 |
| Equity capital to assets | 14.2170% | 996 |
| Core capital (leverage) ratio | 9.3128% | 4,307 |
| Tier 1 risk-based capital ratio | 11.5478% | 6,134 |
| Total risk-based capital ratio | 11.6018% | 6,726 |
| Memoranda: | ||
| Average total assets | $1,340,429,400 | 488 |
| Average earning assets | $1,227,071,600 | 482 |
| Average equity | $167,796,000 | 425 |
| Average total loans | $1,046,448,400 | 405 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4054% | 7,393 |
| Cost of funding earning assets | 0.0417% | 7,406 |
| Net interest margin | 1.3636% | 7,375 |
| Noninterest income to average assets | 0.1709% | 6,364 |
| Noninterest expense to average assets | 0.6218% | 7,404 |
| Loan and lease loss provision to assets | 0.0298% | 6,063 |
| Net operating income to assets | 0.5327% | 4,392 |
| Return on assets (ROA) | 0.5327% | 4,582 |
| Pretax return on assets | 0.7777% | 4,204 |
| Return on Equity (ROE) | 4.4035% | 4,814 |
| Retained earnings to average equity (ytd only) | 1.1210% | 5,567 |
| Net charge-offs to loans | -0.0013% | 6,658 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8000% | 7,265 |
| Assets per employee ($millions) | 6.8073% | 813 |
| Cash dividends to net income (ytd only)* | 74.5434% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0301% | 7,366 |
| Loan loss allowance to noncurrent loans | 26.0285% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 5,994 |
| Noncurrent loans to loans | 0.1157% | 6,642 |
| Net loans and leases to total assets | 75.5681% | 1,047 |
| Net loans and leases to deposits | 90.2849% | 1,179 |
| Net loans and leases to core deposits | 108.6652% | 739 |
| Total domestic deposits to total assets | 83.6996% | 4,378 |
| Equity capital to assets | 13.8577% | 1,221 |
| Core capital (leverage) ratio | 9.2748% | 4,495 |
| Tier 1 risk-based capital ratio | 11.5523% | 6,211 |
| Total risk-based capital ratio | 11.5828% | 6,834 |
| Memoranda: | ||
| Average total assets | $1,343,039,500 | 495 |
| Average earning assets | $1,239,417,750 | 486 |
| Average equity | $162,474,000 | 446 |
| Average total loans | $1,049,982,750 | 407 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 4,696 |
| Cost of funding earning assets | 0.8710% | 4,894 |
| Net interest margin | 3.7904% | 3,832 |
| Noninterest income to average assets | 0.6566% | 2,785 |
| Noninterest expense to average assets | 4.7522% | 461 |
| Loan and lease loss provision to assets | 0.3095% | 2,936 |
| Net operating income to assets | -0.5809% | 6,748 |
| Return on assets (ROA) | -0.5809% | 6,764 |
| Pretax return on assets | -0.8623% | 6,849 |
| Return on Equity (ROE) | -5.0513% | 6,722 |
| Retained earnings to average equity (ytd only) | -5.0513% | 6,575 |
| Net charge-offs to loans | 0.3843% | 3,024 |
| Credit loss provision to net charge-offs | 101.8710% | 3,038 |
| Earnings coverage of net charge-offs (x) | -1.8193% | 5,706 |
| Efficiency ratio | 111.8450% | 449 |
| Assets per employee ($millions) | 5.8129% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 3,105 |
| Loan loss allowance to noncurrent loans | 99.1693% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.7441% | 3,587 |
| Noncurrent loans to loans | 1.7797% | 3,780 |
| Net loans and leases to total assets | 79.9677% | 537 |
| Net loans and leases to deposits | 93.4092% | 917 |
| Net loans and leases to core deposits | 115.6214% | 524 |
| Total domestic deposits to total assets | 85.6101% | 3,556 |
| Equity capital to assets | 11.5979% | 2,416 |
| Core capital (leverage) ratio | 10.2037% | 3,031 |
| Tier 1 risk-based capital ratio | 13.3853% | 4,621 |
| Total risk-based capital ratio | 14.6444% | 4,602 |
| Memoranda: | ||
| Average total assets | $1,336,902,000 | 500 |
| Average earning assets | $1,249,593,330 | 487 |
| Average equity | $153,743,330 | 463 |
| Average total loans | $1,056,932,330 | 412 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 4,933 |
| Cost of funding earning assets | 0.8786% | 5,073 |
| Net interest margin | 3.7248% | 3,976 |
| Noninterest income to average assets | 0.6563% | 2,802 |
| Noninterest expense to average assets | 2.5290% | 5,454 |
| Loan and lease loss provision to assets | 0.3024% | 2,744 |
| Net operating income to assets | 0.8588% | 2,743 |
| Return on assets (ROA) | 0.8588% | 2,808 |
| Pretax return on assets | 1.3148% | 1,993 |
| Return on Equity (ROE) | 7.4985% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.4985% | 1,941 |
| Net charge-offs to loans | 0.3498% | 2,663 |
| Credit loss provision to net charge-offs | 110.9189% | 2,415 |
| Earnings coverage of net charge-offs (x) | 5.9319% | 2,180 |
| Efficiency ratio | 59.6815% | 6,030 |
| Assets per employee ($millions) | 5.6823% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7691% | 3,104 |
| Loan loss allowance to noncurrent loans | 102.6251% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 1.6060% | 3,833 |
| Noncurrent loans to loans | 1.7239% | 3,917 |
| Net loans and leases to total assets | 77.3746% | 818 |
| Net loans and leases to deposits | 91.2246% | 1,092 |
| Net loans and leases to core deposits | 113.2104% | 622 |
| Total domestic deposits to total assets | 84.8176% | 4,122 |
| Equity capital to assets | 11.7045% | 2,118 |
| Core capital (leverage) ratio | 10.5786% | 2,529 |
| Tier 1 risk-based capital ratio | 13.8395% | 4,189 |
| Total risk-based capital ratio | 15.0980% | 4,153 |
| Memoranda: | ||
| Average total assets | $1,357,212,000 | 502 |
| Average earning assets | $1,271,569,500 | 489 |
| Average equity | $155,444,000 | 458 |
| Average total loans | $1,057,783,000 | 414 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 5,394 |
| Cost of funding earning assets | 1.2292% | 4,360 |
| Net interest margin | 3.5748% | 4,940 |
| Noninterest income to average assets | 0.6692% | 3,025 |
| Noninterest expense to average assets | 2.6689% | 5,130 |
| Loan and lease loss provision to assets | 0.3963% | 3,742 |
| Net operating income to assets | 0.6351% | 3,511 |
| Return on assets (ROA) | 0.6351% | 3,662 |
| Pretax return on assets | 0.9536% | 3,090 |
| Return on Equity (ROE) | 5.9350% | 3,640 |
| Retained earnings to average equity (ytd only) | 5.2460% | 2,282 |
| Net charge-offs to loans | 0.4657% | 3,757 |
| Credit loss provision to net charge-offs | 112.0025% | 3,906 |
| Earnings coverage of net charge-offs (x) | 3.8150% | 3,175 |
| Efficiency ratio | 65.0515% | 5,154 |
| Assets per employee ($millions) | 5.6057% | 1,493 |
| Cash dividends to net income (ytd only)* | 11.6104% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 3,007 |
| Loan loss allowance to noncurrent loans | 102.0088% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 1.5324% | 4,017 |
| Noncurrent loans to loans | 1.7201% | 3,922 |
| Net loans and leases to total assets | 75.7741% | 1,324 |
| Net loans and leases to deposits | 89.0441% | 1,642 |
| Net loans and leases to core deposits | 111.3747% | 850 |
| Total domestic deposits to total assets | 85.0972% | 3,798 |
| Equity capital to assets | 11.2078% | 2,498 |
| Core capital (leverage) ratio | 9.9747% | 3,122 |
| Tier 1 risk-based capital ratio | 13.4844% | 4,217 |
| Total risk-based capital ratio | 14.7427% | 4,181 |
| Memoranda: | ||
| Average total assets | $1,356,182,200 | 501 |
| Average earning assets | $1,270,787,000 | 483 |
| Average equity | $145,121,000 | 474 |
| Average total loans | $1,030,583,000 | 436 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 5,494 |
| Cost of funding earning assets | 1.3084% | 4,162 |
| Net interest margin | 3.5363% | 5,159 |
| Noninterest income to average assets | 0.6506% | 3,120 |
| Noninterest expense to average assets | 2.6164% | 5,254 |
| Loan and lease loss provision to assets | 0.2823% | 4,324 |
| Net operating income to assets | 0.7162% | 3,346 |
| Return on assets (ROA) | 0.7162% | 3,495 |
| Pretax return on assets | 1.0648% | 2,951 |
| Return on Equity (ROE) | 6.7747% | 3,439 |
| Retained earnings to average equity (ytd only) | 5.8418% | 2,449 |
| Net charge-offs to loans | 0.3343% | 3,985 |
| Credit loss provision to net charge-offs | 111.5355% | 3,793 |
| Earnings coverage of net charge-offs (x) | 5.3227% | 2,775 |
| Efficiency ratio | 64.6328% | 5,120 |
| Assets per employee ($millions) | 5.8755% | 1,320 |
| Cash dividends to net income (ytd only)* | 13.7703% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 2,916 |
| Loan loss allowance to noncurrent loans | 73.0516% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.9754% | 3,497 |
| Noncurrent loans to loans | 2.4161% | 3,216 |
| Net loans and leases to total assets | 72.2535% | 2,199 |
| Net loans and leases to deposits | 84.2553% | 2,660 |
| Net loans and leases to core deposits | 91.9400% | 2,809 |
| Total domestic deposits to total assets | 85.7555% | 3,215 |
| Equity capital to assets | 10.8359% | 3,130 |
| Core capital (leverage) ratio | 9.9512% | 3,294 |
| Tier 1 risk-based capital ratio | 13.3790% | 4,291 |
| Total risk-based capital ratio | 14.6371% | 4,249 |
| Memoranda: | ||
| Average total assets | $1,351,877,500 | 494 |
| Average earning assets | $1,266,469,000 | 474 |
| Average equity | $142,919,250 | 474 |
| Average total loans | $1,023,411,750 | 437 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9370% | 5,242 |
| Cost of funding earning assets | 1.3974% | 3,891 |
| Net interest margin | 3.5396% | 5,093 |
| Noninterest income to average assets | 0.6345% | 3,097 |
| Noninterest expense to average assets | 2.6638% | 5,064 |
| Loan and lease loss provision to assets | 0.2622% | 4,303 |
| Net operating income to assets | 0.6880% | 3,460 |
| Return on assets (ROA) | 0.6880% | 3,606 |
| Pretax return on assets | 1.0228% | 3,033 |
| Return on Equity (ROE) | 6.5661% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.5661% | 2,043 |
| Net charge-offs to loans | 0.3310% | 3,669 |
| Credit loss provision to net charge-offs | 103.6180% | 3,938 |
| Earnings coverage of net charge-offs (x) | 5.0777% | 2,754 |
| Efficiency ratio | 66.0522% | 4,971 |
| Assets per employee ($millions) | 5.4978% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 2,753 |
| Loan loss allowance to noncurrent loans | 116.0480% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 1.3657% | 4,438 |
| Noncurrent loans to loans | 1.5413% | 4,398 |
| Net loans and leases to total assets | 72.4821% | 2,281 |
| Net loans and leases to deposits | 84.3836% | 2,802 |
| Net loans and leases to core deposits | 92.7235% | 2,886 |
| Total domestic deposits to total assets | 85.8960% | 3,152 |
| Equity capital to assets | 10.9476% | 2,922 |
| Core capital (leverage) ratio | 9.9367% | 3,234 |
| Tier 1 risk-based capital ratio | 13.4548% | 4,098 |
| Total risk-based capital ratio | 14.7135% | 4,059 |
| Memoranda: | ||
| Average total assets | $1,332,465,000 | 498 |
| Average earning assets | $1,247,643,330 | 481 |
| Average equity | $139,626,330 | 485 |
| Average total loans | $1,018,827,670 | 443 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0203% | 4,928 |
| Cost of funding earning assets | 1.4479% | 3,891 |
| Net interest margin | 3.5724% | 4,845 |
| Noninterest income to average assets | 0.5868% | 3,360 |
| Noninterest expense to average assets | 2.6906% | 4,950 |
| Loan and lease loss provision to assets | 0.2754% | 3,818 |
| Net operating income to assets | 0.6483% | 3,670 |
| Return on assets (ROA) | 0.6483% | 3,791 |
| Pretax return on assets | 0.9654% | 3,216 |
| Return on Equity (ROE) | 6.3343% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.3343% | 2,456 |
| Net charge-offs to loans | 0.3832% | 2,898 |
| Credit loss provision to net charge-offs | 92.3469% | 3,607 |
| Earnings coverage of net charge-offs (x) | 4.1602% | 2,688 |
| Efficiency ratio | 67.0047% | 4,921 |
| Assets per employee ($millions) | 5.4332% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 2,871 |
| Loan loss allowance to noncurrent loans | 125.3144% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 1.2538% | 4,670 |
| Noncurrent loans to loans | 1.4021% | 4,633 |
| Net loans and leases to total assets | 75.0274% | 1,738 |
| Net loans and leases to deposits | 87.7418% | 2,270 |
| Net loans and leases to core deposits | 97.6349% | 2,383 |
| Total domestic deposits to total assets | 85.5093% | 3,410 |
| Equity capital to assets | 11.0311% | 2,731 |
| Core capital (leverage) ratio | 10.1574% | 2,973 |
| Tier 1 risk-based capital ratio | 13.1694% | 4,229 |
| Total risk-based capital ratio | 14.4279% | 4,182 |
| Memoranda: | ||
| Average total assets | $1,314,223,000 | 521 |
| Average earning assets | $1,230,443,000 | 499 |
| Average equity | $134,506,000 | 501 |
| Average total loans | $1,023,084,500 | 462 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5772% | 3,716 |
| Cost of funding earning assets | 1.8157% | 3,908 |
| Net interest margin | 3.7615% | 3,865 |
| Noninterest income to average assets | 0.6697% | 3,161 |
| Noninterest expense to average assets | 2.6750% | 5,500 |
| Loan and lease loss provision to assets | 0.4559% | 4,092 |
| Net operating income to assets | 0.6944% | 2,957 |
| Return on assets (ROA) | 0.6971% | 3,015 |
| Pretax return on assets | 1.0540% | 2,396 |
| Return on Equity (ROE) | 7.4001% | 2,619 |
| Retained earnings to average equity (ytd only) | 7.4001% | 844 |
| Net charge-offs to loans | 0.3925% | 4,253 |
| Credit loss provision to net charge-offs | 140.6381% | 3,454 |
| Earnings coverage of net charge-offs (x) | 4.6451% | 2,870 |
| Efficiency ratio | 62.5638% | 6,044 |
| Assets per employee ($millions) | 5.3605% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 2,684 |
| Loan loss allowance to noncurrent loans | 250.2432% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7321% | 5,649 |
| Noncurrent loans to loans | 0.7018% | 5,837 |
| Net loans and leases to total assets | 77.9820% | 1,392 |
| Net loans and leases to deposits | 90.1976% | 2,187 |
| Net loans and leases to core deposits | 119.1729% | 2,013 |
| Total domestic deposits to total assets | 86.4568% | 2,784 |
| Equity capital to assets | 9.4106% | 4,539 |
| Core capital (leverage) ratio | 8.2995% | 5,619 |
| Tier 1 risk-based capital ratio | 10.5677% | 6,323 |
| Total risk-based capital ratio | 11.8265% | 6,304 |
| Memoranda: | ||
| Average total assets | $1,247,186,200 | 539 |
| Average earning assets | $1,164,148,800 | 522 |
| Average equity | $117,485,000 | 562 |
| Average total loans | $1,030,037,800 | 466 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6468% | 3,592 |
| Cost of funding earning assets | 1.8899% | 3,932 |
| Net interest margin | 3.7569% | 3,829 |
| Noninterest income to average assets | 0.6663% | 3,247 |
| Noninterest expense to average assets | 2.6568% | 5,501 |
| Loan and lease loss provision to assets | 0.2645% | 4,848 |
| Net operating income to assets | 0.8159% | 2,741 |
| Return on assets (ROA) | 0.8195% | 2,791 |
| Pretax return on assets | 1.2555% | 2,090 |
| Return on Equity (ROE) | 8.6973% | 2,376 |
| Retained earnings to average equity (ytd only) | 8.6973% | 922 |
| Net charge-offs to loans | 0.3022% | 4,140 |
| Credit loss provision to net charge-offs | 104.9208% | 4,842 |
| Earnings coverage of net charge-offs (x) | 6.0077% | 2,686 |
| Efficiency ratio | 62.2566% | 6,064 |
| Assets per employee ($millions) | 5.4884% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 3,011 |
| Loan loss allowance to noncurrent loans | 191.2065% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.8317% | 5,424 |
| Noncurrent loans to loans | 0.8340% | 5,629 |
| Net loans and leases to total assets | 79.8791% | 1,194 |
| Net loans and leases to deposits | 91.9922% | 2,231 |
| Net loans and leases to core deposits | 120.5396% | 2,200 |
| Total domestic deposits to total assets | 86.8325% | 2,266 |
| Equity capital to assets | 9.4721% | 4,780 |
| Core capital (leverage) ratio | 8.3856% | 5,685 |
| Tier 1 risk-based capital ratio | 10.4571% | 6,520 |
| Total risk-based capital ratio | 11.7143% | 6,461 |
| Memoranda: | ||
| Average total assets | $1,236,012,250 | 556 |
| Average earning assets | $1,153,112,500 | 542 |
| Average equity | $116,462,750 | 574 |
| Average total loans | $1,031,186,000 | 481 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7290% | 3,396 |
| Cost of funding earning assets | 1.9686% | 3,923 |
| Net interest margin | 3.7603% | 3,712 |
| Noninterest income to average assets | 0.6778% | 3,131 |
| Noninterest expense to average assets | 2.6236% | 5,643 |
| Loan and lease loss provision to assets | 0.2311% | 4,737 |
| Net operating income to assets | 0.8714% | 2,569 |
| Return on assets (ROA) | 0.8769% | 2,658 |
| Pretax return on assets | 1.3295% | 1,937 |
| Return on Equity (ROE) | 9.3239% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.3239% | 852 |
| Net charge-offs to loans | 0.2075% | 4,215 |
| Credit loss provision to net charge-offs | 132.2732% | 3,533 |
| Earnings coverage of net charge-offs (x) | 8.8840% | 2,202 |
| Efficiency ratio | 61.3786% | 6,333 |
| Assets per employee ($millions) | 5.1727% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 2,698 |
| Loan loss allowance to noncurrent loans | 217.6608% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.7688% | 5,473 |
| Noncurrent loans to loans | 0.7394% | 5,763 |
| Net loans and leases to total assets | 82.6484% | 838 |
| Net loans and leases to deposits | 95.3028% | 1,901 |
| Net loans and leases to core deposits | 130.5096% | 1,522 |
| Total domestic deposits to total assets | 86.7220% | 2,392 |
| Equity capital to assets | 9.5218% | 4,584 |
| Core capital (leverage) ratio | 8.2825% | 5,836 |
| Tier 1 risk-based capital ratio | 10.3123% | 6,582 |
| Total risk-based capital ratio | 11.5698% | 6,511 |
| Memoranda: | ||
| Average total assets | $1,223,578,670 | 579 |
| Average earning assets | $1,138,248,330 | 560 |
| Average equity | $115,080,670 | 586 |
| Average total loans | $1,030,383,670 | 497 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7648% | 3,458 |
| Cost of funding earning assets | 2.0027% | 4,116 |
| Net interest margin | 3.7621% | 3,609 |
| Noninterest income to average assets | 0.6165% | 3,432 |
| Noninterest expense to average assets | 2.4590% | 5,994 |
| Loan and lease loss provision to assets | 0.1288% | 5,307 |
| Net operating income to assets | 1.0103% | 2,268 |
| Return on assets (ROA) | 1.0213% | 2,365 |
| Pretax return on assets | 1.5425% | 1,552 |
| Return on Equity (ROE) | 10.9280% | 1,985 |
| Retained earnings to average equity (ytd only) | 10.9280% | 985 |
| Net charge-offs to loans | 0.2171% | 3,343 |
| Credit loss provision to net charge-offs | 70.3770% | 4,344 |
| Earnings coverage of net charge-offs (x) | 9.0395% | 2,115 |
| Efficiency ratio | 58.3000% | 6,650 |
| Assets per employee ($millions) | 5.2660% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 2,601 |
| Loan loss allowance to noncurrent loans | 239.5682% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 5,534 |
| Noncurrent loans to loans | 0.6595% | 5,753 |
| Net loans and leases to total assets | 82.6137% | 915 |
| Net loans and leases to deposits | 98.1345% | 1,641 |
| Net loans and leases to core deposits | 133.4007% | 1,454 |
| Total domestic deposits to total assets | 84.1841% | 3,612 |
| Equity capital to assets | 9.4373% | 4,762 |
| Core capital (leverage) ratio | 8.1470% | 6,188 |
| Tier 1 risk-based capital ratio | 10.1506% | 6,759 |
| Total risk-based capital ratio | 11.4078% | 6,661 |
| Memoranda: | ||
| Average total assets | $1,217,231,000 | 583 |
| Average earning assets | $1,131,496,000 | 565 |
| Average equity | $113,763,000 | 589 |
| Average total loans | $1,026,339,000 | 504 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4342% | 3,257 |
| Cost of funding earning assets | 2.6271% | 3,545 |
| Net interest margin | 3.8071% | 3,991 |
| Noninterest income to average assets | 0.6537% | 3,446 |
| Noninterest expense to average assets | 2.8292% | 4,699 |
| Loan and lease loss provision to assets | 0.4485% | 3,047 |
| Net operating income to assets | 0.6049% | 4,280 |
| Return on assets (ROA) | 0.6173% | 4,089 |
| Pretax return on assets | 0.9418% | 3,578 |
| Return on Equity (ROE) | 6.5039% | 3,751 |
| Retained earnings to average equity (ytd only) | 4.9096% | 2,079 |
| Net charge-offs to loans | 0.2451% | 3,819 |
| Credit loss provision to net charge-offs | 220.2548% | 2,178 |
| Earnings coverage of net charge-offs (x) | 6.7350% | 3,288 |
| Efficiency ratio | 65.8268% | 5,161 |
| Assets per employee ($millions) | 5.2274% | 1,706 |
| Cash dividends to net income (ytd only)* | 24.5132% | 4,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 2,275 |
| Loan loss allowance to noncurrent loans | 242.1154% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 5,478 |
| Noncurrent loans to loans | 0.6581% | 5,389 |
| Net loans and leases to total assets | 83.3484% | 984 |
| Net loans and leases to deposits | 99.6365% | 1,879 |
| Net loans and leases to core deposits | 134.9615% | 1,537 |
| Total domestic deposits to total assets | 83.6525% | 3,502 |
| Equity capital to assets | 9.2541% | 4,997 |
| Core capital (leverage) ratio | 7.9129% | 6,633 |
| Tier 1 risk-based capital ratio | 9.8051% | 6,952 |
| Total risk-based capital ratio | 11.0625% | 6,834 |
| Memoranda: | ||
| Average total assets | $1,156,428,400 | 574 |
| Average earning assets | $1,077,427,400 | 565 |
| Average equity | $109,765,400 | 616 |
| Average total loans | $960,768,600 | 509 |