Home > Central Co-operative Bank > Performance and Condition Ratios
Central Co-operative 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 | 4.4397% | 3,885 |
| Cost of funding earning assets | 1.2781% | 486 |
| Net interest margin | 3.1616% | 5,794 |
| Noninterest income to average assets | 0.3921% | 4,691 |
| Noninterest expense to average assets | 3.1374% | 2,771 |
| Loan and lease loss provision to assets | 0.1605% | 3,504 |
| Net operating income to assets | 0.0380% | 6,225 |
| Return on assets (ROA) | 0.1091% | 6,252 |
| Pretax return on assets | 0.1321% | 6,227 |
| Return on Equity (ROE) | 1.1609% | 6,224 |
| Retained earnings to average equity (ytd only) | -0.4807% | 6,174 |
| Net charge-offs to loans | 0.1575% | 3,860 |
| Credit loss provision to net charge-offs | 119.7053% | 2,420 |
| Earnings coverage of net charge-offs (x) | 1.5433% | 4,510 |
| Efficiency ratio | 93.8123% | 789 |
| Assets per employee ($millions) | 5.3491% | 1,784 |
| Cash dividends to net income (ytd only)* | 141.4020% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 6,442 |
| Loan loss allowance to noncurrent loans | 52.4531% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 1.5224% | 3,296 |
| Noncurrent loans to loans | 1.6705% | 3,285 |
| Net loans and leases to total assets | 86.0509% | 145 |
| Net loans and leases to deposits | 133.3914% | 38 |
| Net loans and leases to core deposits | 138.3432% | 146 |
| Total domestic deposits to total assets | 64.5101% | 7,004 |
| Equity capital to assets | 9.3141% | 5,449 |
| Core capital (leverage) ratio | 8.1841% | 6,163 |
| Tier 1 risk-based capital ratio | 13.4512% | 4,910 |
| Total risk-based capital ratio | 14.7295% | 4,850 |
| Memoranda: | ||
| Average total assets | $539,926,000 | 1,249 |
| Average earning assets | $504,165,250 | 1,215 |
| Average equity | $50,762,500 | 1,404 |
| Average total loans | $459,566,250 | 899 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 4,070 |
| Cost of funding earning assets | 1.3050% | 518 |
| Net interest margin | 3.1240% | 5,932 |
| Noninterest income to average assets | 0.3304% | 5,186 |
| Noninterest expense to average assets | 3.2455% | 2,452 |
| Loan and lease loss provision to assets | 0.1678% | 3,428 |
| Net operating income to assets | -0.1237% | 6,462 |
| Return on assets (ROA) | -0.1134% | 6,548 |
| Pretax return on assets | -0.1555% | 6,562 |
| Return on Equity (ROE) | -1.2021% | 6,559 |
| Retained earnings to average equity (ytd only) | -3.1793% | 6,485 |
| Net charge-offs to loans | 0.1681% | 3,597 |
| Credit loss provision to net charge-offs | 118.1102% | 2,330 |
| Earnings coverage of net charge-offs (x) | -0.0131% | 5,088 |
| Efficiency ratio | 100.0575% | 557 |
| Assets per employee ($millions) | 5.3819% | 1,728 |
| Cash dividends to net income (ytd only)* | -164.4737% | 7,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8477% | 6,575 |
| Loan loss allowance to noncurrent loans | 48.2402% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 1.6411% | 3,263 |
| Noncurrent loans to loans | 1.7573% | 3,263 |
| Net loans and leases to total assets | 85.9589% | 142 |
| Net loans and leases to deposits | 134.8571% | 35 |
| Net loans and leases to core deposits | 139.8888% | 149 |
| Total domestic deposits to total assets | 63.7408% | 7,090 |
| Equity capital to assets | 8.9351% | 5,769 |
| Core capital (leverage) ratio | 8.3860% | 5,808 |
| Tier 1 risk-based capital ratio | 12.8127% | 5,329 |
| Total risk-based capital ratio | 14.0549% | 5,306 |
| Memoranda: | ||
| Average total assets | $536,248,330 | 1,262 |
| Average earning assets | $500,068,670 | 1,231 |
| Average equity | $50,577,670 | 1,404 |
| Average total loans | $453,323,000 | 913 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 3,695 |
| Cost of funding earning assets | 1.3361% | 542 |
| Net interest margin | 3.2188% | 5,736 |
| Noninterest income to average assets | 0.3105% | 5,402 |
| Noninterest expense to average assets | 3.0079% | 3,215 |
| Loan and lease loss provision to assets | 0.2300% | 2,646 |
| Net operating income to assets | 0.1449% | 6,130 |
| Return on assets (ROA) | 0.1709% | 6,202 |
| Pretax return on assets | 0.0958% | 6,390 |
| Return on Equity (ROE) | 1.7621% | 6,143 |
| Retained earnings to average equity (ytd only) | -1.2011% | 6,182 |
| Net charge-offs to loans | 0.1030% | 3,517 |
| Credit loss provision to net charge-offs | 267.8571% | 1,084 |
| Earnings coverage of net charge-offs (x) | 3.4911% | 2,823 |
| Efficiency ratio | 90.9386% | 1,022 |
| Assets per employee ($millions) | 5.1267% | 2,087 |
| Cash dividends to net income (ytd only)* | 168.1614% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 6,410 |
| Loan loss allowance to noncurrent loans | 47.2149% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 1.7557% | 3,232 |
| Noncurrent loans to loans | 2.0157% | 3,139 |
| Net loans and leases to total assets | 85.0254% | 150 |
| Net loans and leases to deposits | 127.8975% | 49 |
| Net loans and leases to core deposits | 133.0140% | 175 |
| Total domestic deposits to total assets | 66.4793% | 7,096 |
| Equity capital to assets | 9.7319% | 4,477 |
| Core capital (leverage) ratio | 8.8129% | 5,117 |
| Tier 1 risk-based capital ratio | 13.5311% | 4,807 |
| Total risk-based capital ratio | 14.8325% | 4,753 |
| Memoranda: | ||
| Average total assets | $521,822,500 | 1,300 |
| Average earning assets | $485,892,000 | 1,275 |
| Average equity | $50,620,500 | 1,398 |
| Average total loans | $435,031,000 | 958 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 3,511 |
| Cost of funding earning assets | 1.3820% | 1,114 |
| Net interest margin | 3.4853% | 5,201 |
| Noninterest income to average assets | 0.3314% | 5,163 |
| Noninterest expense to average assets | 3.0737% | 3,295 |
| Loan and lease loss provision to assets | 0.2570% | 3,635 |
| Net operating income to assets | 0.1761% | 5,654 |
| Return on assets (ROA) | 0.2902% | 5,445 |
| Pretax return on assets | 0.4089% | 5,272 |
| Return on Equity (ROE) | 2.8389% | 5,348 |
| Retained earnings to average equity (ytd only) | -3.2527% | 6,305 |
| Net charge-offs to loans | 0.2327% | 4,326 |
| Credit loss provision to net charge-offs | 134.8548% | 2,232 |
| Earnings coverage of net charge-offs (x) | 2.6504% | 3,888 |
| Efficiency ratio | 85.8848% | 1,579 |
| Assets per employee ($millions) | 4.7773% | 2,479 |
| Cash dividends to net income (ytd only)* | 214.5777% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 6,338 |
| Loan loss allowance to noncurrent loans | 41.4939% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 1.9511% | 3,040 |
| Noncurrent loans to loans | 2.3363% | 2,811 |
| Net loans and leases to total assets | 80.0984% | 485 |
| Net loans and leases to deposits | 124.4749% | 71 |
| Net loans and leases to core deposits | 129.5147% | 242 |
| Total domestic deposits to total assets | 64.3490% | 7,172 |
| Equity capital to assets | 9.6694% | 4,650 |
| Core capital (leverage) ratio | 8.8663% | 5,001 |
| Tier 1 risk-based capital ratio | 14.0575% | 4,285 |
| Total risk-based capital ratio | 15.2813% | 4,260 |
| Memoranda: | ||
| Average total assets | $505,774,200 | 1,322 |
| Average earning assets | $471,263,400 | 1,300 |
| Average equity | $51,710,800 | 1,323 |
| Average total loans | $414,351,000 | 1,014 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8910% | 3,604 |
| Cost of funding earning assets | 1.3912% | 1,269 |
| Net interest margin | 3.4997% | 5,191 |
| Noninterest income to average assets | 0.3118% | 5,372 |
| Noninterest expense to average assets | 3.1630% | 2,951 |
| Loan and lease loss provision to assets | 0.2656% | 3,384 |
| Net operating income to assets | 0.1025% | 5,959 |
| Return on assets (ROA) | 0.2672% | 5,676 |
| Pretax return on assets | 0.3734% | 5,549 |
| Return on Equity (ROE) | 2.5769% | 5,594 |
| Retained earnings to average equity (ytd only) | 1.6163% | 5,329 |
| Net charge-offs to loans | 0.1858% | 4,312 |
| Credit loss provision to net charge-offs | 173.9130% | 1,714 |
| Earnings coverage of net charge-offs (x) | 2.6869% | 3,777 |
| Efficiency ratio | 88.5173% | 1,293 |
| Assets per employee ($millions) | 4.7907% | 2,484 |
| Cash dividends to net income (ytd only)* | 37.2765% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 6,409 |
| Loan loss allowance to noncurrent loans | 47.8665% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 1.7372% | 3,493 |
| Noncurrent loans to loans | 2.0142% | 3,345 |
| Net loans and leases to total assets | 83.6205% | 244 |
| Net loans and leases to deposits | 127.7130% | 56 |
| Net loans and leases to core deposits | 133.0958% | 214 |
| Total domestic deposits to total assets | 65.4753% | 7,212 |
| Equity capital to assets | 10.1931% | 4,094 |
| Core capital (leverage) ratio | 9.2617% | 4,526 |
| Tier 1 risk-based capital ratio | 14.6188% | 3,890 |
| Total risk-based capital ratio | 15.8472% | 3,881 |
| Memoranda: | ||
| Average total assets | $502,036,250 | 1,338 |
| Average earning assets | $467,871,750 | 1,310 |
| Average equity | $52,050,750 | 1,306 |
| Average total loans | $412,644,750 | 1,029 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 3,815 |
| Cost of funding earning assets | 1.4015% | 1,416 |
| Net interest margin | 3.4583% | 5,326 |
| Noninterest income to average assets | 0.3041% | 5,463 |
| Noninterest expense to average assets | 3.1979% | 2,908 |
| Loan and lease loss provision to assets | 0.2808% | 3,133 |
| Net operating income to assets | 0.0350% | 6,159 |
| Return on assets (ROA) | 0.2716% | 5,603 |
| Pretax return on assets | 0.3675% | 5,495 |
| Return on Equity (ROE) | 2.6046% | 5,564 |
| Retained earnings to average equity (ytd only) | 1.6428% | 5,172 |
| Net charge-offs to loans | 0.0148% | 5,638 |
| Credit loss provision to net charge-offs | 2,333.3333% | 141 |
| Earnings coverage of net charge-offs (x) | 27.3000% | 993 |
| Efficiency ratio | 90.6826% | 1,196 |
| Assets per employee ($millions) | 4.6410% | 2,624 |
| Cash dividends to net income (ytd only)* | 36.9276% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 6,109 |
| Loan loss allowance to noncurrent loans | 42.8807% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 2.1013% | 3,102 |
| Noncurrent loans to loans | 2.4651% | 2,923 |
| Net loans and leases to total assets | 83.2749% | 288 |
| Net loans and leases to deposits | 129.4122% | 55 |
| Net loans and leases to core deposits | 135.0037% | 222 |
| Total domestic deposits to total assets | 64.3486% | 7,307 |
| Equity capital to assets | 10.5391% | 3,461 |
| Core capital (leverage) ratio | 9.6984% | 3,661 |
| Tier 1 risk-based capital ratio | 15.0766% | 3,456 |
| Total risk-based capital ratio | 16.3799% | 3,397 |
| Memoranda: | ||
| Average total assets | $498,511,670 | 1,348 |
| Average earning assets | $464,508,330 | 1,325 |
| Average equity | $51,984,000 | 1,292 |
| Average total loans | $405,919,670 | 1,062 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8922% | 3,629 |
| Cost of funding earning assets | 1.4379% | 1,443 |
| Net interest margin | 3.4543% | 5,207 |
| Noninterest income to average assets | 0.2859% | 5,629 |
| Noninterest expense to average assets | 3.2106% | 2,862 |
| Loan and lease loss provision to assets | 0.1602% | 4,026 |
| Net operating income to assets | 0.1043% | 6,085 |
| Return on assets (ROA) | 0.2979% | 5,486 |
| Pretax return on assets | 0.3788% | 5,398 |
| Return on Equity (ROE) | 2.8721% | 5,432 |
| Retained earnings to average equity (ytd only) | 1.9070% | 4,982 |
| Net charge-offs to loans | 0.0560% | 4,376 |
| Credit loss provision to net charge-offs | 357.1429% | 915 |
| Earnings coverage of net charge-offs (x) | 6.5536% | 2,083 |
| Efficiency ratio | 91.6133% | 1,190 |
| Assets per employee ($millions) | 4.5089% | 2,872 |
| Cash dividends to net income (ytd only)* | 33.6022% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 6,446 |
| Loan loss allowance to noncurrent loans | 40.6051% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 1.9954% | 3,324 |
| Noncurrent loans to loans | 2.4314% | 3,062 |
| Net loans and leases to total assets | 80.1555% | 501 |
| Net loans and leases to deposits | 125.5997% | 69 |
| Net loans and leases to core deposits | 131.3598% | 256 |
| Total domestic deposits to total assets | 63.8182% | 7,371 |
| Equity capital to assets | 10.7105% | 2,980 |
| Core capital (leverage) ratio | 9.5828% | 3,682 |
| Tier 1 risk-based capital ratio | 15.4025% | 3,210 |
| Total risk-based capital ratio | 16.7203% | 3,124 |
| Memoranda: | ||
| Average total assets | $499,473,000 | 1,351 |
| Average earning assets | $465,395,500 | 1,330 |
| Average equity | $51,808,000 | 1,289 |
| Average total loans | $399,903,500 | 1,092 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3837% | 2,753 |
| Cost of funding earning assets | 1.7245% | 1,485 |
| Net interest margin | 3.6592% | 4,535 |
| Noninterest income to average assets | 0.3675% | 5,167 |
| Noninterest expense to average assets | 2.7862% | 4,656 |
| Loan and lease loss provision to assets | 0.2158% | 5,096 |
| Net operating income to assets | 0.5498% | 3,891 |
| Return on assets (ROA) | 0.4758% | 4,369 |
| Pretax return on assets | 0.6710% | 4,090 |
| Return on Equity (ROE) | 5.0798% | 4,036 |
| Retained earnings to average equity (ytd only) | 4.0778% | 3,004 |
| Net charge-offs to loans | 0.0428% | 6,376 |
| Credit loss provision to net charge-offs | 605.2632% | 354 |
| Earnings coverage of net charge-offs (x) | 27.7895% | 787 |
| Efficiency ratio | 73.7640% | 3,451 |
| Assets per employee ($millions) | 4.9707% | 2,197 |
| Cash dividends to net income (ytd only)* | 19.7239% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 6,652 |
| Loan loss allowance to noncurrent loans | 37.2750% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 1.9897% | 3,360 |
| Noncurrent loans to loans | 2.4791% | 3,044 |
| Net loans and leases to total assets | 78.4869% | 877 |
| Net loans and leases to deposits | 122.8360% | 103 |
| Net loans and leases to core deposits | 129.2072% | 343 |
| Total domestic deposits to total assets | 63.8957% | 7,447 |
| Equity capital to assets | 10.0511% | 3,687 |
| Core capital (leverage) ratio | 9.0731% | 4,407 |
| Tier 1 risk-based capital ratio | 14.9963% | 3,254 |
| Total risk-based capital ratio | 16.2410% | 3,209 |
| Memoranda: | ||
| Average total assets | $532,796,400 | 1,257 |
| Average earning assets | $496,479,800 | 1,242 |
| Average equity | $49,904,000 | 1,342 |
| Average total loans | $443,838,400 | 1,010 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4611% | 2,597 |
| Cost of funding earning assets | 1.7695% | 1,554 |
| Net interest margin | 3.6917% | 4,447 |
| Noninterest income to average assets | 0.3556% | 5,318 |
| Noninterest expense to average assets | 2.7541% | 4,670 |
| Loan and lease loss provision to assets | 0.2107% | 4,959 |
| Net operating income to assets | 0.6245% | 3,775 |
| Return on assets (ROA) | 0.5189% | 4,405 |
| Pretax return on assets | 0.6890% | 4,265 |
| Return on Equity (ROE) | 5.6386% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.6288% | 3,243 |
| Net charge-offs to loans | 0.0015% | 6,659 |
| Credit loss provision to net charge-offs | 17,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 839.1589% | 26 |
| Efficiency ratio | 72.5818% | 3,595 |
| Assets per employee ($millions) | 5.0049% | 2,173 |
| Cash dividends to net income (ytd only)* | 17.9084% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 6,912 |
| Loan loss allowance to noncurrent loans | 40.9122% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 1.6898% | 3,908 |
| Noncurrent loans to loans | 2.0571% | 3,610 |
| Net loans and leases to total assets | 81.4512% | 563 |
| Net loans and leases to deposits | 126.5529% | 85 |
| Net loans and leases to core deposits | 133.0825% | 334 |
| Total domestic deposits to total assets | 64.3614% | 7,511 |
| Equity capital to assets | 9.6772% | 4,572 |
| Core capital (leverage) ratio | 8.7477% | 5,108 |
| Tier 1 risk-based capital ratio | 13.8115% | 3,973 |
| Total risk-based capital ratio | 14.9365% | 4,018 |
| Memoranda: | ||
| Average total assets | $537,999,000 | 1,260 |
| Average earning assets | $501,153,750 | 1,244 |
| Average equity | $49,515,000 | 1,359 |
| Average total loans | $453,400,500 | 996 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5083% | 2,474 |
| Cost of funding earning assets | 1.8244% | 1,545 |
| Net interest margin | 3.6840% | 4,434 |
| Noninterest income to average assets | 0.3427% | 5,407 |
| Noninterest expense to average assets | 2.6955% | 4,928 |
| Loan and lease loss provision to assets | 0.2029% | 4,842 |
| Net operating income to assets | 0.6918% | 3,437 |
| Return on assets (ROA) | 0.5924% | 4,048 |
| Pretax return on assets | 0.7503% | 4,062 |
| Return on Equity (ROE) | 6.5460% | 3,532 |
| Retained earnings to average equity (ytd only) | 5.5270% | 2,595 |
| Net charge-offs to loans | 0.0009% | 6,369 |
| Credit loss provision to net charge-offs | 27,500.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 1,462.5000% | 14 |
| Efficiency ratio | 71.4132% | 3,918 |
| Assets per employee ($millions) | 5.3169% | 1,795 |
| Cash dividends to net income (ytd only)* | 15.5666% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7426% | 7,168 |
| Loan loss allowance to noncurrent loans | 45.3076% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3988% | 4,376 |
| Noncurrent loans to loans | 1.6391% | 4,250 |
| Net loans and leases to total assets | 84.7085% | 303 |
| Net loans and leases to deposits | 132.7525% | 67 |
| Net loans and leases to core deposits | 139.3861% | 293 |
| Total domestic deposits to total assets | 63.8093% | 7,589 |
| Equity capital to assets | 9.4911% | 4,714 |
| Core capital (leverage) ratio | 8.3765% | 5,616 |
| Tier 1 risk-based capital ratio | 12.9624% | 4,479 |
| Total risk-based capital ratio | 13.9371% | 4,676 |
| Memoranda: | ||
| Average total assets | $542,161,330 | 1,253 |
| Average earning assets | $505,053,330 | 1,233 |
| Average equity | $49,068,330 | 1,366 |
| Average total loans | $460,644,330 | 993 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5004% | 2,576 |
| Cost of funding earning assets | 1.8857% | 1,508 |
| Net interest margin | 3.6147% | 4,658 |
| Noninterest income to average assets | 0.3331% | 5,481 |
| Noninterest expense to average assets | 2.6521% | 5,138 |
| Loan and lease loss provision to assets | 0.1818% | 4,703 |
| Net operating income to assets | 0.8582% | 2,716 |
| Return on assets (ROA) | 0.5818% | 4,123 |
| Pretax return on assets | 0.5890% | 4,654 |
| Return on Equity (ROE) | 6.5812% | 3,580 |
| Retained earnings to average equity (ytd only) | 5.5529% | 2,840 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6362% | 3,991 |
| Assets per employee ($millions) | 5.4206% | 1,747 |
| Cash dividends to net income (ytd only)* | 15.6250% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6577% | 7,417 |
| Loan loss allowance to noncurrent loans | 48.6391% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 1.1633% | 4,846 |
| Noncurrent loans to loans | 1.3522% | 4,719 |
| Net loans and leases to total assets | 84.6520% | 318 |
| Net loans and leases to deposits | 134.4866% | 66 |
| Net loans and leases to core deposits | 141.1856% | 315 |
| Total domestic deposits to total assets | 62.9446% | 7,700 |
| Equity capital to assets | 9.1258% | 5,095 |
| Core capital (leverage) ratio | 8.0895% | 6,101 |
| Tier 1 risk-based capital ratio | 12.4874% | 4,769 |
| Total risk-based capital ratio | 13.3729% | 5,030 |
| Memoranda: | ||
| Average total assets | $550,054,000 | 1,270 |
| Average earning assets | $512,691,000 | 1,240 |
| Average equity | $48,623,000 | 1,381 |
| Average total loans | $466,356,000 | 1,011 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5499% | 3,875 |
| Cost of funding earning assets | 2.3921% | 1,328 |
| Net interest margin | 3.1578% | 6,207 |
| Noninterest income to average assets | 0.3250% | 5,756 |
| Noninterest expense to average assets | 2.6967% | 5,413 |
| Loan and lease loss provision to assets | 0.2469% | 5,418 |
| Net operating income to assets | 0.1442% | 5,066 |
| Return on assets (ROA) | 0.1052% | 5,243 |
| Pretax return on assets | 0.2580% | 4,874 |
| Return on Equity (ROE) | 1.2838% | 5,147 |
| Retained earnings to average equity (ytd only) | -0.3198% | 5,032 |
| Net charge-offs to loans | 0.6892% | 3,120 |
| Credit loss provision to net charge-offs | 43.1440% | 6,804 |
| Earnings coverage of net charge-offs (x) | 0.9887% | 5,122 |
| Efficiency ratio | 82.6573% | 2,531 |
| Assets per employee ($millions) | 5.2646% | 1,868 |
| Cash dividends to net income (ytd only)* | 124.9147% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5922% | 7,565 |
| Loan loss allowance to noncurrent loans | 70.9234% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 5,674 |
| Noncurrent loans to loans | 0.8349% | 5,622 |
| Net loans and leases to total assets | 83.8676% | 446 |
| Net loans and leases to deposits | 135.0603% | 70 |
| Net loans and leases to core deposits | 160.4610% | 338 |
| Total domestic deposits to total assets | 62.0964% | 7,755 |
| Equity capital to assets | 8.5618% | 5,785 |
| Core capital (leverage) ratio | 7.6496% | 6,616 |
| Tier 1 risk-based capital ratio | 11.4981% | 5,391 |
| Total risk-based capital ratio | 12.2704% | 5,865 |
| Memoranda: | ||
| Average total assets | $556,896,600 | 1,246 |
| Average earning assets | $518,046,800 | 1,221 |
| Average equity | $45,646,400 | 1,473 |
| Average total loans | $462,398,600 | 1,043 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5764% | 3,997 |
| Cost of funding earning assets | 2.4980% | 1,311 |
| Net interest margin | 3.0783% | 6,371 |
| Noninterest income to average assets | 0.3265% | 5,875 |
| Noninterest expense to average assets | 2.6646% | 5,470 |
| Loan and lease loss provision to assets | 0.3054% | 4,528 |
| Net operating income to assets | 0.0772% | 5,535 |
| Return on assets (ROA) | 0.0376% | 5,675 |
| Pretax return on assets | 0.1574% | 5,391 |
| Return on Equity (ROE) | 0.4640% | 5,646 |
| Retained earnings to average equity (ytd only) | -1.3300% | 5,565 |
| Net charge-offs to loans | 0.9142% | 2,140 |
| Credit loss provision to net charge-offs | 40.3992% | 6,419 |
| Earnings coverage of net charge-offs (x) | 0.6939% | 5,339 |
| Efficiency ratio | 83.5511% | 2,347 |
| Assets per employee ($millions) | 4.8676% | 2,305 |
| Cash dividends to net income (ytd only)* | 386.6192% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5920% | 7,592 |
| Loan loss allowance to noncurrent loans | 55.4106% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 0.9704% | 5,120 |
| Noncurrent loans to loans | 1.0683% | 5,178 |
| Net loans and leases to total assets | 84.5065% | 486 |
| Net loans and leases to deposits | 133.0048% | 94 |
| Net loans and leases to core deposits | 157.6969% | 422 |
| Total domestic deposits to total assets | 63.5364% | 7,786 |
| Equity capital to assets | 8.7362% | 5,901 |
| Core capital (leverage) ratio | 7.4474% | 7,036 |
| Tier 1 risk-based capital ratio | 11.3377% | 5,604 |
| Total risk-based capital ratio | 12.0945% | 6,065 |
| Memoranda: | ||
| Average total assets | $556,608,250 | 1,253 |
| Average earning assets | $517,625,000 | 1,234 |
| Average equity | $45,113,250 | 1,510 |
| Average total loans | $460,295,500 | 1,059 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5162% | 4,536 |
| Cost of funding earning assets | 2.5550% | 1,427 |
| Net interest margin | 2.9612% | 6,653 |
| Noninterest income to average assets | 0.3437% | 5,760 |
| Noninterest expense to average assets | 2.7532% | 5,165 |
| Loan and lease loss provision to assets | 0.3825% | 3,625 |
| Net operating income to assets | -0.0911% | 5,991 |
| Return on assets (ROA) | -0.1829% | 6,185 |
| Pretax return on assets | -0.1310% | 6,038 |
| Return on Equity (ROE) | -2.3144% | 6,272 |
| Retained earnings to average equity (ytd only) | -3.9219% | 6,123 |
| Net charge-offs to loans | 1.1337% | 1,607 |
| Credit loss provision to net charge-offs | 41.1720% | 5,885 |
| Earnings coverage of net charge-offs (x) | 0.3696% | 5,312 |
| Efficiency ratio | 88.9106% | 1,914 |
| Assets per employee ($millions) | 5.0378% | 2,038 |
| Cash dividends to net income (ytd only)* | -69.4553% | 8,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6636% | 7,508 |
| Loan loss allowance to noncurrent loans | 57.0684% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 1.5081% | 3,966 |
| Noncurrent loans to loans | 1.1629% | 4,892 |
| Net loans and leases to total assets | 82.0188% | 955 |
| Net loans and leases to deposits | 126.9426% | 139 |
| Net loans and leases to core deposits | 155.2222% | 540 |
| Total domestic deposits to total assets | 64.6110% | 7,805 |
| Equity capital to assets | 8.1982% | 6,494 |
| Core capital (leverage) ratio | 6.8655% | 7,623 |
| Tier 1 risk-based capital ratio | 10.5228% | 6,358 |
| Total risk-based capital ratio | 11.3598% | 6,739 |
| Memoranda: | ||
| Average total assets | $562,043,330 | 1,266 |
| Average earning assets | $522,499,330 | 1,241 |
| Average equity | $44,417,000 | 1,536 |
| Average total loans | $460,624,000 | 1,082 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5154% | 4,828 |
| Cost of funding earning assets | 2.5635% | 1,681 |
| Net interest margin | 2.9518% | 6,607 |
| Noninterest income to average assets | 0.3116% | 5,946 |
| Noninterest expense to average assets | 2.8055% | 4,540 |
| Loan and lease loss provision to assets | 0.7276% | 1,763 |
| Net operating income to assets | -0.4641% | 6,840 |
| Return on assets (ROA) | -0.6417% | 7,041 |
| Pretax return on assets | -0.6630% | 6,943 |
| Return on Equity (ROE) | -8.2739% | 7,257 |
| Retained earnings to average equity (ytd only) | -11.5414% | 7,240 |
| Net charge-offs to loans | 2.1161% | 681 |
| Credit loss provision to net charge-offs | 42.1118% | 4,793 |
| Earnings coverage of net charge-offs (x) | 0.1434% | 4,859 |
| Efficiency ratio | 91.8856% | 1,578 |
| Assets per employee ($millions) | 5.1365% | 1,913 |
| Cash dividends to net income (ytd only)* | -39.4912% | 8,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6879% | 7,469 |
| Loan loss allowance to noncurrent loans | 67.2639% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.3437% | 3,978 |
| Noncurrent loans to loans | 1.0227% | 4,950 |
| Net loans and leases to total assets | 80.0791% | 1,370 |
| Net loans and leases to deposits | 122.2024% | 251 |
| Net loans and leases to core deposits | 158.0456% | 524 |
| Total domestic deposits to total assets | 65.5299% | 7,762 |
| Equity capital to assets | 7.6492% | 7,221 |
| Core capital (leverage) ratio | 6.6115% | 7,832 |
| Tier 1 risk-based capital ratio | 9.8362% | 7,102 |
| Total risk-based capital ratio | 10.6932% | 7,429 |
| Memoranda: | ||
| Average total assets | $563,467,000 | 1,266 |
| Average earning assets | $523,337,000 | 1,242 |
| Average equity | $43,703,500 | 1,558 |
| Average total loans | $460,081,000 | 1,093 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9919% | 5,580 |
| Cost of funding earning assets | 2.9593% | 2,027 |
| Net interest margin | 3.0327% | 6,830 |
| Noninterest income to average assets | 0.2946% | 6,354 |
| Noninterest expense to average assets | 2.5566% | 5,807 |
| Loan and lease loss provision to assets | 0.2390% | 4,510 |
| Net operating income to assets | 0.2550% | 5,694 |
| Return on assets (ROA) | -0.8424% | 7,073 |
| Pretax return on assets | -1.3789% | 7,200 |
| Return on Equity (ROE) | -11.6443% | 7,398 |
| Retained earnings to average equity (ytd only) | -13.5696% | 7,377 |
| Net charge-offs to loans | 0.0233% | 6,523 |
| Credit loss provision to net charge-offs | 1,220.1835% | 371 |
| Earnings coverage of net charge-offs (x) | 29.3394% | 1,183 |
| Efficiency ratio | 81.6450% | 2,353 |
| Assets per employee ($millions) | 4.8818% | 2,073 |
| Cash dividends to net income (ytd only)* | -16.5351% | 7,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 5,960 |
| Loan loss allowance to noncurrent loans | 46.9963% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 1.8090% | 2,719 |
| Noncurrent loans to loans | 2.1452% | 2,572 |
| Net loans and leases to total assets | 81.8796% | 1,251 |
| Net loans and leases to deposits | 127.7781% | 242 |
| Net loans and leases to core deposits | 166.9145% | 460 |
| Total domestic deposits to total assets | 64.0796% | 7,790 |
| Equity capital to assets | 7.8678% | 7,015 |
| Core capital (leverage) ratio | 6.8063% | 7,813 |
| Tier 1 risk-based capital ratio | 9.7508% | 7,017 |
| Total risk-based capital ratio | 10.9776% | 6,957 |
| Memoranda: | ||
| Average total assets | $556,399,400 | 1,222 |
| Average earning assets | $520,467,200 | 1,187 |
| Average equity | $40,251,600 | 1,669 |
| Average total loans | $467,860,800 | 1,034 |