Home > Central Kentucky Federal Savings Bank > Performance and Condition Ratios
Central Kentucky Federal Savings Bank, Performance and Condition Ratios
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 1,647 |
| Cost of funding earning assets | 1.3184% | 349 |
| Net interest margin | 3.6467% | 3,893 |
| Noninterest income to average assets | 0.0546% | 6,668 |
| Noninterest expense to average assets | 2.5679% | 4,870 |
| Loan and lease loss provision to assets | 0.4494% | 1,406 |
| Net operating income to assets | 0.3106% | 5,430 |
| Return on assets (ROA) | 0.3106% | 5,638 |
| Pretax return on assets | 0.4711% | 5,368 |
| Return on Equity (ROE) | 3.0083% | 5,551 |
| Retained earnings to average equity (ytd only) | 3.0083% | 4,116 |
| Net charge-offs to loans | 0.5127% | 2,192 |
| Credit loss provision to net charge-offs | 105.8601% | 2,810 |
| Earnings coverage of net charge-offs (x) | 2.1682% | 4,334 |
| Efficiency ratio | 73.6140% | 3,131 |
| Assets per employee ($millions) | 4.6353% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9352% | 2,184 |
| Loan loss allowance to noncurrent loans | 46.2011% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 4.7595% | 840 |
| Noncurrent loans to loans | 4.1886% | 1,085 |
| Net loans and leases to total assets | 79.0088% | 563 |
| Net loans and leases to deposits | 94.8170% | 695 |
| Net loans and leases to core deposits | 98.4328% | 1,117 |
| Total domestic deposits to total assets | 83.3277% | 4,592 |
| Equity capital to assets | 10.8416% | 3,130 |
| Core capital (leverage) ratio | 10.8416% | 2,400 |
| Tier 1 risk-based capital ratio | 18.2565% | 2,182 |
| Total risk-based capital ratio | 19.5238% | 2,136 |
| Memoranda: | ||
| Average total assets | $124,614,000 | 4,262 |
| Average earning assets | $117,339,200 | 4,180 |
| Average equity | $12,864,200 | 4,388 |
| Average total loans | $103,187,800 | 3,453 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 1,587 |
| Cost of funding earning assets | 1.3458% | 362 |
| Net interest margin | 3.6927% | 3,830 |
| Noninterest income to average assets | 0.0064% | 6,916 |
| Noninterest expense to average assets | 2.5713% | 4,840 |
| Loan and lease loss provision to assets | 0.4776% | 1,296 |
| Net operating income to assets | 0.2887% | 5,650 |
| Return on assets (ROA) | 0.2887% | 5,851 |
| Pretax return on assets | 0.4372% | 5,633 |
| Return on Equity (ROE) | 2.8302% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.8302% | 4,853 |
| Net charge-offs to loans | 0.6443% | 1,702 |
| Credit loss provision to net charge-offs | 88.9328% | 3,328 |
| Earnings coverage of net charge-offs (x) | 1.7035% | 4,417 |
| Efficiency ratio | 73.7595% | 3,028 |
| Assets per employee ($millions) | 4.7823% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7840% | 2,850 |
| Loan loss allowance to noncurrent loans | 52.8926% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 4.0261% | 1,197 |
| Noncurrent loans to loans | 3.3728% | 1,627 |
| Net loans and leases to total assets | 79.3460% | 563 |
| Net loans and leases to deposits | 96.7046% | 615 |
| Net loans and leases to core deposits | 99.9645% | 1,126 |
| Total domestic deposits to total assets | 82.0499% | 5,002 |
| Equity capital to assets | 10.4159% | 3,939 |
| Core capital (leverage) ratio | 10.4159% | 3,019 |
| Tier 1 risk-based capital ratio | 17.7576% | 2,442 |
| Total risk-based capital ratio | 19.0232% | 2,403 |
| Memoranda: | ||
| Average total assets | $125,638,250 | 4,280 |
| Average earning assets | $118,392,000 | 4,188 |
| Average equity | $12,813,750 | 4,440 |
| Average total loans | $104,710,250 | 3,439 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1143% | 1,466 |
| Cost of funding earning assets | 1.3690% | 393 |
| Net interest margin | 3.7454% | 3,613 |
| Noninterest income to average assets | -0.0888% | 7,083 |
| Noninterest expense to average assets | 2.6271% | 4,689 |
| Loan and lease loss provision to assets | 0.4759% | 1,335 |
| Net operating income to assets | 0.2253% | 5,845 |
| Return on assets (ROA) | 0.2253% | 6,033 |
| Pretax return on assets | 0.3411% | 5,855 |
| Return on Equity (ROE) | 2.2243% | 5,976 |
| Retained earnings to average equity (ytd only) | 2.2243% | 5,078 |
| Net charge-offs to loans | 0.6539% | 1,690 |
| Credit loss provision to net charge-offs | 86.4553% | 3,145 |
| Earnings coverage of net charge-offs (x) | 1.4841% | 4,252 |
| Efficiency ratio | 76.2782% | 2,703 |
| Assets per employee ($millions) | 4.8188% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7384% | 3,077 |
| Loan loss allowance to noncurrent loans | 46.3936% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 4.1807% | 1,198 |
| Noncurrent loans to loans | 3.7471% | 1,504 |
| Net loans and leases to total assets | 81.2507% | 384 |
| Net loans and leases to deposits | 98.7132% | 485 |
| Net loans and leases to core deposits | 102.0081% | 979 |
| Total domestic deposits to total assets | 82.3098% | 5,014 |
| Equity capital to assets | 10.2331% | 4,018 |
| Core capital (leverage) ratio | 10.2331% | 3,107 |
| Tier 1 risk-based capital ratio | 16.9225% | 2,704 |
| Total risk-based capital ratio | 18.1870% | 2,656 |
| Memoranda: | ||
| Average total assets | $126,071,330 | 4,291 |
| Average earning assets | $118,920,670 | 4,202 |
| Average equity | $12,768,000 | 4,439 |
| Average total loans | $106,130,330 | 3,426 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1994% | 1,320 |
| Cost of funding earning assets | 1.3836% | 447 |
| Net interest margin | 3.8158% | 3,312 |
| Noninterest income to average assets | 0.0981% | 6,754 |
| Noninterest expense to average assets | 2.5336% | 5,049 |
| Loan and lease loss provision to assets | 0.5693% | 1,020 |
| Net operating income to assets | 0.3954% | 5,276 |
| Return on assets (ROA) | 0.3954% | 5,465 |
| Pretax return on assets | 0.5978% | 5,127 |
| Return on Equity (ROE) | 3.9242% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.9242% | 4,234 |
| Net charge-offs to loans | 0.4656% | 1,923 |
| Credit loss provision to net charge-offs | 144.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 2.9520% | 3,005 |
| Efficiency ratio | 68.4615% | 4,077 |
| Assets per employee ($millions) | 4.6656% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 3,040 |
| Loan loss allowance to noncurrent loans | 46.0218% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 4.0993% | 1,341 |
| Noncurrent loans to loans | 3.8800% | 1,590 |
| Net loans and leases to total assets | 83.0899% | 214 |
| Net loans and leases to deposits | 101.8547% | 314 |
| Net loans and leases to core deposits | 105.0050% | 717 |
| Total domestic deposits to total assets | 81.5769% | 5,435 |
| Equity capital to assets | 10.1650% | 3,894 |
| Core capital (leverage) ratio | 10.1650% | 3,154 |
| Tier 1 risk-based capital ratio | 16.5694% | 2,876 |
| Total risk-based capital ratio | 17.8349% | 2,832 |
| Memoranda: | ||
| Average total assets | $126,462,000 | 4,311 |
| Average earning assets | $119,399,000 | 4,213 |
| Average equity | $12,741,500 | 4,454 |
| Average total loans | $107,395,500 | 3,424 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2371% | 1,920 |
| Cost of funding earning assets | 1.6323% | 423 |
| Net interest margin | 3.6047% | 4,710 |
| Noninterest income to average assets | 0.0700% | 6,753 |
| Noninterest expense to average assets | 3.2630% | 2,644 |
| Loan and lease loss provision to assets | 0.5579% | 1,870 |
| Net operating income to assets | -0.5356% | 6,515 |
| Return on assets (ROA) | -0.5356% | 6,555 |
| Pretax return on assets | -0.3740% | 6,408 |
| Return on Equity (ROE) | -5.2198% | 6,540 |
| Retained earnings to average equity (ytd only) | -5.2198% | 6,462 |
| Net charge-offs to loans | 0.6035% | 2,640 |
| Credit loss provision to net charge-offs | 110.6870% | 3,014 |
| Earnings coverage of net charge-offs (x) | 0.3649% | 5,544 |
| Efficiency ratio | 70.1049% | 3,932 |
| Assets per employee ($millions) | 4.7019% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 5,371 |
| Loan loss allowance to noncurrent loans | 34.1905% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 3.8487% | 1,496 |
| Noncurrent loans to loans | 3.5216% | 1,823 |
| Net loans and leases to total assets | 84.2169% | 200 |
| Net loans and leases to deposits | 106.0265% | 250 |
| Net loans and leases to core deposits | 109.0702% | 649 |
| Total domestic deposits to total assets | 79.4300% | 5,884 |
| Equity capital to assets | 9.9865% | 4,185 |
| Core capital (leverage) ratio | 9.9865% | 3,351 |
| Tier 1 risk-based capital ratio | 16.4491% | 2,847 |
| Total risk-based capital ratio | 17.7051% | 2,807 |
| Memoranda: | ||
| Average total assets | $129,943,400 | 4,170 |
| Average earning assets | $121,728,400 | 4,099 |
| Average equity | $13,333,800 | 4,275 |
| Average total loans | $108,531,400 | 3,417 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 2,107 |
| Cost of funding earning assets | 1.6697% | 439 |
| Net interest margin | 3.5555% | 4,957 |
| Noninterest income to average assets | 0.0847% | 6,818 |
| Noninterest expense to average assets | 2.3770% | 5,827 |
| Loan and lease loss provision to assets | 0.6121% | 1,610 |
| Net operating income to assets | 0.2755% | 5,488 |
| Return on assets (ROA) | 0.2755% | 5,647 |
| Pretax return on assets | 0.4193% | 5,411 |
| Return on Equity (ROE) | 2.6670% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.6670% | 4,758 |
| Net charge-offs to loans | 0.6555% | 2,290 |
| Credit loss provision to net charge-offs | 112.3596% | 2,910 |
| Earnings coverage of net charge-offs (x) | 1.8933% | 4,244 |
| Efficiency ratio | 69.7396% | 3,994 |
| Assets per employee ($millions) | 4.8557% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 5,557 |
| Loan loss allowance to noncurrent loans | 37.3813% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 3.7764% | 1,644 |
| Noncurrent loans to loans | 3.1497% | 2,204 |
| Net loans and leases to total assets | 83.1630% | 279 |
| Net loans and leases to deposits | 104.7650% | 291 |
| Net loans and leases to core deposits | 108.5016% | 747 |
| Total domestic deposits to total assets | 79.3805% | 5,891 |
| Equity capital to assets | 10.4078% | 3,821 |
| Core capital (leverage) ratio | 9.6497% | 3,920 |
| Tier 1 risk-based capital ratio | 15.8793% | 3,174 |
| Total risk-based capital ratio | 17.1337% | 3,130 |
| Memoranda: | ||
| Average total assets | $130,691,250 | 4,189 |
| Average earning assets | $122,173,500 | 4,108 |
| Average equity | $13,497,750 | 4,241 |
| Average total loans | $108,609,750 | 3,451 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 2,185 |
| Cost of funding earning assets | 1.6946% | 476 |
| Net interest margin | 3.5252% | 5,040 |
| Noninterest income to average assets | 0.1149% | 6,760 |
| Noninterest expense to average assets | 2.3684% | 5,936 |
| Loan and lease loss provision to assets | 0.6894% | 1,381 |
| Net operating income to assets | 0.2313% | 5,627 |
| Return on assets (ROA) | 0.2313% | 5,748 |
| Pretax return on assets | 0.3523% | 5,539 |
| Return on Equity (ROE) | 2.2456% | 5,702 |
| Retained earnings to average equity (ytd only) | 2.2456% | 4,864 |
| Net charge-offs to loans | 0.7405% | 2,022 |
| Credit loss provision to net charge-offs | 112.5000% | 2,726 |
| Earnings coverage of net charge-offs (x) | 1.7000% | 4,020 |
| Efficiency ratio | 69.4519% | 4,220 |
| Assets per employee ($millions) | 4.8508% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 5,654 |
| Loan loss allowance to noncurrent loans | 32.5883% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 3.9138% | 1,650 |
| Noncurrent loans to loans | 3.6029% | 1,954 |
| Net loans and leases to total assets | 82.4534% | 339 |
| Net loans and leases to deposits | 103.8545% | 323 |
| Net loans and leases to core deposits | 107.1308% | 856 |
| Total domestic deposits to total assets | 79.3931% | 5,980 |
| Equity capital to assets | 10.3290% | 3,713 |
| Core capital (leverage) ratio | 9.5695% | 3,855 |
| Tier 1 risk-based capital ratio | 15.8093% | 3,076 |
| Total risk-based capital ratio | 17.0648% | 3,054 |
| Memoranda: | ||
| Average total assets | $130,553,670 | 4,217 |
| Average earning assets | $122,034,670 | 4,145 |
| Average equity | $13,448,670 | 4,240 |
| Average total loans | $108,036,670 | 3,506 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 2,251 |
| Cost of funding earning assets | 1.7219% | 508 |
| Net interest margin | 3.4700% | 5,144 |
| Noninterest income to average assets | 0.1534% | 6,621 |
| Noninterest expense to average assets | 2.4059% | 5,867 |
| Loan and lease loss provision to assets | 0.6905% | 1,224 |
| Net operating income to assets | 0.1964% | 5,792 |
| Return on assets (ROA) | 0.1964% | 5,852 |
| Pretax return on assets | 0.2977% | 5,659 |
| Return on Equity (ROE) | 1.9092% | 5,822 |
| Retained earnings to average equity (ytd only) | 1.9092% | 4,978 |
| Net charge-offs to loans | 1.1395% | 1,217 |
| Credit loss provision to net charge-offs | 73.5294% | 3,290 |
| Earnings coverage of net charge-offs (x) | 1.0523% | 3,874 |
| Efficiency ratio | 70.8861% | 4,076 |
| Assets per employee ($millions) | 4.8233% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 6,126 |
| Loan loss allowance to noncurrent loans | 31.1520% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 4.2172% | 1,562 |
| Noncurrent loans to loans | 3.4621% | 2,157 |
| Net loans and leases to total assets | 81.1355% | 430 |
| Net loans and leases to deposits | 102.1995% | 372 |
| Net loans and leases to core deposits | 105.1468% | 987 |
| Total domestic deposits to total assets | 79.3894% | 6,090 |
| Equity capital to assets | 10.3218% | 3,389 |
| Core capital (leverage) ratio | 9.5579% | 3,715 |
| Tier 1 risk-based capital ratio | 16.1289% | 2,848 |
| Total risk-based capital ratio | 17.3822% | 2,813 |
| Memoranda: | ||
| Average total assets | $130,345,000 | 4,250 |
| Average earning assets | $121,728,000 | 4,182 |
| Average equity | $13,409,000 | 4,238 |
| Average total loans | $107,418,500 | 3,549 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5441% | 2,106 |
| Cost of funding earning assets | 1.9574% | 707 |
| Net interest margin | 3.5867% | 4,878 |
| Noninterest income to average assets | -0.0731% | 7,373 |
| Noninterest expense to average assets | 2.3297% | 6,274 |
| Loan and lease loss provision to assets | 0.5938% | 2,764 |
| Net operating income to assets | 0.2299% | 5,181 |
| Return on assets (ROA) | 0.2299% | 5,332 |
| Pretax return on assets | 0.3502% | 5,079 |
| Return on Equity (ROE) | 2.2783% | 5,266 |
| Retained earnings to average equity (ytd only) | 2.2783% | 4,282 |
| Net charge-offs to loans | 0.8228% | 2,577 |
| Credit loss provision to net charge-offs | 86.4745% | 5,260 |
| Earnings coverage of net charge-offs (x) | 1.3747% | 4,733 |
| Efficiency ratio | 71.1628% | 3,959 |
| Assets per employee ($millions) | 4.8319% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 5,778 |
| Loan loss allowance to noncurrent loans | 32.0509% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 3.8724% | 1,765 |
| Noncurrent loans to loans | 3.5613% | 2,116 |
| Net loans and leases to total assets | 81.8559% | 463 |
| Net loans and leases to deposits | 105.0276% | 359 |
| Net loans and leases to core deposits | 107.8273% | 1,062 |
| Total domestic deposits to total assets | 77.9375% | 6,328 |
| Equity capital to assets | 10.2529% | 3,441 |
| Core capital (leverage) ratio | 9.4897% | 3,715 |
| Tier 1 risk-based capital ratio | 15.9990% | 2,752 |
| Total risk-based capital ratio | 17.2527% | 2,709 |
| Memoranda: | ||
| Average total assets | $131,349,800 | 4,228 |
| Average earning assets | $122,563,000 | 4,175 |
| Average equity | $13,255,600 | 4,316 |
| Average total loans | $109,626,200 | 3,553 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5957% | 2,079 |
| Cost of funding earning assets | 1.9953% | 764 |
| Net interest margin | 3.6004% | 4,877 |
| Noninterest income to average assets | -0.0213% | 7,474 |
| Noninterest expense to average assets | 2.3095% | 6,296 |
| Loan and lease loss provision to assets | 0.6080% | 2,502 |
| Net operating income to assets | 0.2746% | 5,260 |
| Return on assets (ROA) | 0.2746% | 5,424 |
| Pretax return on assets | 0.4185% | 5,164 |
| Return on Equity (ROE) | 2.7320% | 5,332 |
| Retained earnings to average equity (ytd only) | 2.7320% | 4,516 |
| Net charge-offs to loans | 0.9428% | 2,110 |
| Credit loss provision to net charge-offs | 77.1208% | 5,222 |
| Earnings coverage of net charge-offs (x) | 1.3021% | 4,773 |
| Efficiency ratio | 69.2284% | 4,214 |
| Assets per employee ($millions) | 4.9213% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 6,035 |
| Loan loss allowance to noncurrent loans | 28.6375% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 4.2785% | 1,594 |
| Noncurrent loans to loans | 3.7583% | 2,058 |
| Net loans and leases to total assets | 81.4170% | 570 |
| Net loans and leases to deposits | 107.1109% | 317 |
| Net loans and leases to core deposits | 109.1502% | 1,084 |
| Total domestic deposits to total assets | 76.0119% | 6,653 |
| Equity capital to assets | 10.0433% | 4,105 |
| Core capital (leverage) ratio | 9.2924% | 4,224 |
| Tier 1 risk-based capital ratio | 15.7340% | 2,890 |
| Total risk-based capital ratio | 16.9868% | 2,848 |
| Memoranda: | ||
| Average total assets | $131,572,000 | 4,286 |
| Average earning assets | $122,686,000 | 4,229 |
| Average equity | $13,225,500 | 4,388 |
| Average total loans | $110,027,000 | 3,602 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6258% | 2,039 |
| Cost of funding earning assets | 2.0618% | 750 |
| Net interest margin | 3.5640% | 4,979 |
| Noninterest income to average assets | -0.0397% | 7,578 |
| Noninterest expense to average assets | 2.3121% | 6,321 |
| Loan and lease loss provision to assets | 0.5490% | 2,581 |
| Net operating income to assets | 0.2760% | 5,273 |
| Return on assets (ROA) | 0.2760% | 5,426 |
| Pretax return on assets | 0.4209% | 5,153 |
| Return on Equity (ROE) | 2.7454% | 5,347 |
| Retained earnings to average equity (ytd only) | 2.7454% | 4,386 |
| Net charge-offs to loans | 0.9179% | 1,996 |
| Credit loss provision to net charge-offs | 71.1462% | 4,940 |
| Earnings coverage of net charge-offs (x) | 1.2569% | 4,562 |
| Efficiency ratio | 70.4461% | 4,100 |
| Assets per employee ($millions) | 4.8763% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 5,951 |
| Loan loss allowance to noncurrent loans | 26.9866% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 4.6688% | 1,394 |
| Noncurrent loans to loans | 4.0661% | 1,857 |
| Net loans and leases to total assets | 82.7648% | 460 |
| Net loans and leases to deposits | 110.1086% | 270 |
| Net loans and leases to core deposits | 111.6680% | 1,050 |
| Total domestic deposits to total assets | 75.1665% | 6,832 |
| Equity capital to assets | 10.0690% | 3,927 |
| Core capital (leverage) ratio | 9.3114% | 4,095 |
| Tier 1 risk-based capital ratio | 15.7395% | 2,786 |
| Total risk-based capital ratio | 16.9927% | 2,750 |
| Memoranda: | ||
| Average total assets | $131,138,000 | 4,319 |
| Average earning assets | $122,223,330 | 4,263 |
| Average equity | $13,185,670 | 4,400 |
| Average total loans | $110,249,670 | 3,629 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6018% | 2,140 |
| Cost of funding earning assets | 2.1154% | 769 |
| Net interest margin | 3.4863% | 5,217 |
| Noninterest income to average assets | 0.1650% | 6,786 |
| Noninterest expense to average assets | 2.3381% | 6,288 |
| Loan and lease loss provision to assets | 0.5501% | 2,301 |
| Net operating income to assets | 0.3454% | 5,102 |
| Return on assets (ROA) | 0.3454% | 5,225 |
| Pretax return on assets | 0.5257% | 4,871 |
| Return on Equity (ROE) | 3.4373% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.4373% | 4,094 |
| Net charge-offs to loans | 0.7036% | 2,093 |
| Credit loss provision to net charge-offs | 92.7835% | 3,593 |
| Earnings coverage of net charge-offs (x) | 1.8144% | 3,650 |
| Efficiency ratio | 68.4870% | 4,631 |
| Assets per employee ($millions) | 4.6792% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 5,409 |
| Loan loss allowance to noncurrent loans | 34.6960% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 4.4376% | 1,530 |
| Noncurrent loans to loans | 3.5102% | 2,267 |
| Net loans and leases to total assets | 83.0176% | 472 |
| Net loans and leases to deposits | 111.6955% | 257 |
| Net loans and leases to core deposits | 113.2375% | 1,079 |
| Total domestic deposits to total assets | 74.3249% | 7,001 |
| Equity capital to assets | 10.0788% | 3,771 |
| Core capital (leverage) ratio | 9.3174% | 4,023 |
| Tier 1 risk-based capital ratio | 15.8256% | 2,716 |
| Total risk-based capital ratio | 17.0820% | 2,658 |
| Memoranda: | ||
| Average total assets | $130,876,500 | 4,389 |
| Average earning assets | $121,961,500 | 4,330 |
| Average equity | $13,150,000 | 4,441 |
| Average total loans | $110,285,500 | 3,673 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9463% | 2,058 |
| Cost of funding earning assets | 2.6684% | 634 |
| Net interest margin | 3.2778% | 5,830 |
| Noninterest income to average assets | 0.0067% | 7,672 |
| Noninterest expense to average assets | 2.3587% | 6,575 |
| Loan and lease loss provision to assets | 0.5396% | 3,669 |
| Net operating income to assets | 0.1175% | 5,157 |
| Return on assets (ROA) | 0.1175% | 5,213 |
| Pretax return on assets | 0.1737% | 5,065 |
| Return on Equity (ROE) | 1.2187% | 5,163 |
| Retained earnings to average equity (ytd only) | 1.2187% | 4,185 |
| Net charge-offs to loans | 0.5413% | 3,626 |
| Credit loss provision to net charge-offs | 117.7419% | 4,602 |
| Earnings coverage of net charge-offs (x) | 1.5565% | 4,576 |
| Efficiency ratio | 76.7806% | 3,393 |
| Assets per employee ($millions) | 4.6691% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 5,201 |
| Loan loss allowance to noncurrent loans | 25.1205% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 5.3084% | 1,114 |
| Noncurrent loans to loans | 4.8831% | 1,396 |
| Net loans and leases to total assets | 83.4566% | 495 |
| Net loans and leases to deposits | 113.3909% | 278 |
| Net loans and leases to core deposits | 160.9936% | 329 |
| Total domestic deposits to total assets | 73.6008% | 7,068 |
| Equity capital to assets | 10.0164% | 3,736 |
| Core capital (leverage) ratio | 9.2529% | 4,049 |
| Tier 1 risk-based capital ratio | 15.6154% | 2,669 |
| Total risk-based capital ratio | 16.8717% | 2,616 |
| Memoranda: | ||
| Average total assets | $135,288,000 | 4,232 |
| Average earning assets | $126,516,400 | 4,163 |
| Average equity | $13,046,200 | 4,499 |
| Average total loans | $114,528,600 | 3,594 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0337% | 1,907 |
| Cost of funding earning assets | 2.7751% | 639 |
| Net interest margin | 3.2586% | 5,797 |
| Noninterest income to average assets | -0.0137% | 7,868 |
| Noninterest expense to average assets | 2.3563% | 6,539 |
| Loan and lease loss provision to assets | 0.2639% | 4,850 |
| Net operating income to assets | 0.2776% | 4,872 |
| Return on assets (ROA) | 0.2776% | 4,981 |
| Pretax return on assets | 0.4154% | 4,758 |
| Return on Equity (ROE) | 2.9052% | 4,834 |
| Retained earnings to average equity (ytd only) | 2.9052% | 3,697 |
| Net charge-offs to loans | 0.4304% | 3,532 |
| Credit loss provision to net charge-offs | 72.3861% | 5,937 |
| Earnings coverage of net charge-offs (x) | 1.8633% | 4,412 |
| Efficiency ratio | 77.6240% | 3,220 |
| Assets per employee ($millions) | 4.5386% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 6,171 |
| Loan loss allowance to noncurrent loans | 29.7241% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 4.1172% | 1,532 |
| Noncurrent loans to loans | 3.4270% | 2,188 |
| Net loans and leases to total assets | 84.3107% | 505 |
| Net loans and leases to deposits | 114.0813% | 322 |
| Net loans and leases to core deposits | 158.5031% | 405 |
| Total domestic deposits to total assets | 73.9040% | 6,964 |
| Equity capital to assets | 10.0381% | 4,044 |
| Core capital (leverage) ratio | 9.2780% | 4,223 |
| Tier 1 risk-based capital ratio | 15.8192% | 2,699 |
| Total risk-based capital ratio | 17.0760% | 2,629 |
| Memoranda: | ||
| Average total assets | $136,426,250 | 4,224 |
| Average earning assets | $127,657,750 | 4,158 |
| Average equity | $13,034,000 | 4,526 |
| Average total loans | $115,545,250 | 3,607 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1129% | 1,750 |
| Cost of funding earning assets | 2.9116% | 593 |
| Net interest margin | 3.2013% | 5,910 |
| Noninterest income to average assets | -0.0739% | 8,021 |
| Noninterest expense to average assets | 2.3589% | 6,596 |
| Loan and lease loss provision to assets | 0.2173% | 4,869 |
| Net operating income to assets | 0.2318% | 5,153 |
| Return on assets (ROA) | 0.2318% | 5,242 |
| Pretax return on assets | 0.3449% | 5,084 |
| Return on Equity (ROE) | 2.4663% | 5,119 |
| Retained earnings to average equity (ytd only) | 2.4663% | 3,965 |
| Net charge-offs to loans | 0.4576% | 2,998 |
| Credit loss provision to net charge-offs | 56.1798% | 5,660 |
| Earnings coverage of net charge-offs (x) | 1.4532% | 4,443 |
| Efficiency ratio | 80.7540% | 2,926 |
| Assets per employee ($millions) | 4.6520% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 6,332 |
| Loan loss allowance to noncurrent loans | 39.0657% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 3.7129% | 1,651 |
| Noncurrent loans to loans | 2.5300% | 2,858 |
| Net loans and leases to total assets | 83.8364% | 660 |
| Net loans and leases to deposits | 114.0360% | 396 |
| Net loans and leases to core deposits | 157.8821% | 485 |
| Total domestic deposits to total assets | 73.5175% | 7,035 |
| Equity capital to assets | 9.6718% | 4,393 |
| Core capital (leverage) ratio | 8.9292% | 4,741 |
| Tier 1 risk-based capital ratio | 15.2361% | 2,919 |
| Total risk-based capital ratio | 16.4884% | 2,849 |
| Memoranda: | ||
| Average total assets | $138,029,000 | 4,217 |
| Average earning assets | $129,136,670 | 4,153 |
| Average equity | $12,974,670 | 4,550 |
| Average total loans | $116,690,330 | 3,609 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1635% | 1,718 |
| Cost of funding earning assets | 3.0114% | 587 |
| Net interest margin | 3.1521% | 6,011 |
| Noninterest income to average assets | 0.1118% | 7,476 |
| Noninterest expense to average assets | 2.2237% | 6,791 |
| Loan and lease loss provision to assets | 0.2149% | 4,297 |
| Net operating income to assets | 0.4184% | 4,784 |
| Return on assets (ROA) | 0.4184% | 4,959 |
| Pretax return on assets | 0.6247% | 4,676 |
| Return on Equity (ROE) | 4.5138% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.5138% | 3,418 |
| Net charge-offs to loans | 0.4444% | 2,336 |
| Credit loss provision to net charge-offs | 57.2519% | 4,563 |
| Earnings coverage of net charge-offs (x) | 2.2366% | 3,621 |
| Efficiency ratio | 72.5912% | 4,087 |
| Assets per employee ($millions) | 4.7669% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 6,024 |
| Loan loss allowance to noncurrent loans | 33.4177% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 4.1551% | 1,219 |
| Noncurrent loans to loans | 3.0573% | 2,129 |
| Net loans and leases to total assets | 83.3241% | 804 |
| Net loans and leases to deposits | 114.5488% | 426 |
| Net loans and leases to core deposits | 158.2274% | 520 |
| Total domestic deposits to total assets | 72.7411% | 7,093 |
| Equity capital to assets | 9.4183% | 4,785 |
| Core capital (leverage) ratio | 8.6918% | 5,164 |
| Tier 1 risk-based capital ratio | 14.6836% | 3,210 |
| Total risk-based capital ratio | 15.9339% | 3,142 |
| Memoranda: | ||
| Average total assets | $139,589,500 | 4,198 |
| Average earning assets | $130,705,000 | 4,142 |
| Average equity | $12,938,000 | 4,594 |
| Average total loans | $117,920,000 | 3,604 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4769% | 3,080 |
| Cost of funding earning assets | 3.6249% | 350 |
| Net interest margin | 2.8520% | 7,251 |
| Noninterest income to average assets | 0.0895% | 7,689 |
| Noninterest expense to average assets | 2.0816% | 7,274 |
| Loan and lease loss provision to assets | 0.4379% | 3,100 |
| Net operating income to assets | 0.1605% | 5,956 |
| Return on assets (ROA) | -0.5626% | 6,859 |
| Pretax return on assets | -0.8497% | 6,912 |
| Return on Equity (ROE) | -5.7704% | 6,944 |
| Retained earnings to average equity (ytd only) | -19.8963% | 7,678 |
| Net charge-offs to loans | 0.2953% | 3,426 |
| Credit loss provision to net charge-offs | 172.8261% | 2,954 |
| Earnings coverage of net charge-offs (x) | 2.6984% | 4,730 |
| Efficiency ratio | 75.2739% | 3,364 |
| Assets per employee ($millions) | 4.8599% | 2,098 |
| Cash dividends to net income (ytd only)* | -244.7980% | 8,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 5,698 |
| Loan loss allowance to noncurrent loans | 33.9700% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 4.0578% | 1,003 |
| Noncurrent loans to loans | 3.0679% | 1,741 |
| Net loans and leases to total assets | 83.8794% | 900 |
| Net loans and leases to deposits | 118.2322% | 439 |
| Net loans and leases to core deposits | 165.3861% | 483 |
| Total domestic deposits to total assets | 70.9447% | 7,166 |
| Equity capital to assets | 9.1217% | 5,194 |
| Core capital (leverage) ratio | 8.4069% | 5,747 |
| Tier 1 risk-based capital ratio | 14.1955% | 3,450 |
| Total risk-based capital ratio | 15.4465% | 3,374 |
| Memoranda: | ||
| Average total assets | $145,223,800 | 3,988 |
| Average earning assets | $136,253,600 | 3,924 |
| Average equity | $14,158,400 | 4,307 |
| Average total loans | $124,620,200 | 3,360 |