Home > Century Bank > Performance and Condition Ratios
Century 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 | 5.8683% | 331 |
| Cost of funding earning assets | 0.4963% | 5,244 |
| Net interest margin | 5.3720% | 205 |
| Noninterest income to average assets | 0.2503% | 5,673 |
| Noninterest expense to average assets | 3.3017% | 2,325 |
| Loan and lease loss provision to assets | -0.5992% | 7,051 |
| Net operating income to assets | 1.5251% | 873 |
| Return on assets (ROA) | 1.5251% | 966 |
| Pretax return on assets | 2.5074% | 252 |
| Return on Equity (ROE) | 10.9966% | 1,807 |
| Retained earnings to average equity (ytd only) | 10.9966% | 441 |
| Net charge-offs to loans | -0.9543% | 7,024 |
| Credit loss provision to net charge-offs | 77.6256% | 3,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3739% | 5,001 |
| Assets per employee ($millions) | 4.3851% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2495% | 1,460 |
| Loan loss allowance to noncurrent loans | 116.5244% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.5471% | 3,070 |
| Noncurrent loans to loans | 1.9305% | 2,770 |
| Net loans and leases to total assets | 78.3367% | 637 |
| Net loans and leases to deposits | 94.9048% | 690 |
| Net loans and leases to core deposits | 99.1613% | 1,072 |
| Total domestic deposits to total assets | 82.5424% | 4,914 |
| Equity capital to assets | 14.9467% | 749 |
| Core capital (leverage) ratio | 14.4460% | 685 |
| Tier 1 risk-based capital ratio | 17.9855% | 2,266 |
| Total risk-based capital ratio | 19.2465% | 2,234 |
| Memoranda: | ||
| Average total assets | $85,107,600 | 5,216 |
| Average earning assets | $78,574,800 | 5,171 |
| Average equity | $11,803,600 | 4,609 |
| Average total loans | $68,843,200 | 4,396 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9007% | 332 |
| Cost of funding earning assets | 0.5167% | 5,332 |
| Net interest margin | 5.3840% | 207 |
| Noninterest income to average assets | 0.2743% | 5,587 |
| Noninterest expense to average assets | 3.1495% | 2,718 |
| Loan and lease loss provision to assets | -0.7979% | 7,163 |
| Net operating income to assets | 1.7345% | 646 |
| Return on assets (ROA) | 1.7345% | 712 |
| Pretax return on assets | 2.9080% | 171 |
| Return on Equity (ROE) | 12.7474% | 1,398 |
| Retained earnings to average equity (ytd only) | 12.7474% | 414 |
| Net charge-offs to loans | -1.2629% | 7,124 |
| Credit loss provision to net charge-offs | 77.9300% | 3,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8815% | 5,521 |
| Assets per employee ($millions) | 4.2924% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0925% | 1,924 |
| Loan loss allowance to noncurrent loans | 114.4165% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.5271% | 3,289 |
| Noncurrent loans to loans | 1.8289% | 3,034 |
| Net loans and leases to total assets | 81.7538% | 363 |
| Net loans and leases to deposits | 101.4748% | 380 |
| Net loans and leases to core deposits | 111.4651% | 520 |
| Total domestic deposits to total assets | 80.5657% | 5,491 |
| Equity capital to assets | 14.2904% | 1,043 |
| Core capital (leverage) ratio | 14.0093% | 830 |
| Tier 1 risk-based capital ratio | 16.2369% | 3,139 |
| Total risk-based capital ratio | 17.4958% | 3,103 |
| Memoranda: | ||
| Average total assets | $85,555,500 | 5,258 |
| Average earning assets | $79,219,750 | 5,203 |
| Average equity | $11,641,250 | 4,685 |
| Average total loans | $69,361,750 | 4,415 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7425% | 449 |
| Cost of funding earning assets | 0.5376% | 5,388 |
| Net interest margin | 5.2048% | 284 |
| Noninterest income to average assets | 0.3136% | 5,310 |
| Noninterest expense to average assets | 3.2624% | 2,407 |
| Loan and lease loss provision to assets | -0.8519% | 7,222 |
| Net operating income to assets | 1.6499% | 751 |
| Return on assets (ROA) | 1.6499% | 839 |
| Pretax return on assets | 2.7288% | 212 |
| Return on Equity (ROE) | 12.3334% | 1,564 |
| Retained earnings to average equity (ytd only) | 12.3334% | 531 |
| Net charge-offs to loans | -1.2539% | 7,185 |
| Credit loss provision to net charge-offs | 84.6512% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4791% | 4,990 |
| Assets per employee ($millions) | 4.3562% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0443% | 2,121 |
| Loan loss allowance to noncurrent loans | 57.1371% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.8546% | 1,932 |
| Noncurrent loans to loans | 3.5780% | 1,601 |
| Net loans and leases to total assets | 78.1507% | 701 |
| Net loans and leases to deposits | 95.8257% | 645 |
| Net loans and leases to core deposits | 105.9570% | 746 |
| Total domestic deposits to total assets | 81.5550% | 5,282 |
| Equity capital to assets | 13.6139% | 1,258 |
| Core capital (leverage) ratio | 13.7658% | 877 |
| Tier 1 risk-based capital ratio | 16.5800% | 2,870 |
| Total risk-based capital ratio | 17.8398% | 2,827 |
| Memoranda: | ||
| Average total assets | $85,458,000 | 5,290 |
| Average earning assets | $79,234,330 | 5,231 |
| Average equity | $11,432,330 | 4,728 |
| Average total loans | $68,587,670 | 4,463 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 1,521 |
| Cost of funding earning assets | 0.5714% | 5,348 |
| Net interest margin | 4.5507% | 916 |
| Noninterest income to average assets | 0.4490% | 4,294 |
| Noninterest expense to average assets | 3.3560% | 2,129 |
| Loan and lease loss provision to assets | 0.3640% | 1,735 |
| Net operating income to assets | 0.5767% | 4,458 |
| Return on assets (ROA) | 0.5767% | 4,684 |
| Pretax return on assets | 0.9453% | 3,884 |
| Return on Equity (ROE) | 4.3502% | 5,117 |
| Retained earnings to average equity (ytd only) | 4.3502% | 3,984 |
| Net charge-offs to loans | -0.0117% | 5,997 |
| Credit loss provision to net charge-offs | -3,850.0000% | 6,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9352% | 3,461 |
| Assets per employee ($millions) | 4.2159% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0914% | 2,125 |
| Loan loss allowance to noncurrent loans | 27.5982% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 6.1624% | 747 |
| Noncurrent loans to loans | 7.5779% | 549 |
| Net loans and leases to total assets | 79.6200% | 444 |
| Net loans and leases to deposits | 97.3761% | 463 |
| Net loans and leases to core deposits | 108.3628% | 596 |
| Total domestic deposits to total assets | 81.7655% | 5,371 |
| Equity capital to assets | 13.3767% | 1,286 |
| Core capital (leverage) ratio | 13.1402% | 1,073 |
| Tier 1 risk-based capital ratio | 16.2671% | 3,038 |
| Total risk-based capital ratio | 17.5279% | 2,990 |
| Memoranda: | ||
| Average total assets | $84,625,000 | 5,353 |
| Average earning assets | $78,406,000 | 5,293 |
| Average equity | $11,218,000 | 4,779 |
| Average total loans | $68,127,000 | 4,520 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3232% | 1,635 |
| Cost of funding earning assets | 0.8075% | 4,814 |
| Net interest margin | 4.5157% | 1,099 |
| Noninterest income to average assets | 0.2664% | 5,614 |
| Noninterest expense to average assets | 3.3039% | 2,508 |
| Loan and lease loss provision to assets | 0.4865% | 2,174 |
| Net operating income to assets | 0.2822% | 5,317 |
| Return on assets (ROA) | 0.2822% | 5,475 |
| Pretax return on assets | 0.6231% | 4,618 |
| Return on Equity (ROE) | 2.2749% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.2749% | 4,595 |
| Net charge-offs to loans | 0.3512% | 3,643 |
| Credit loss provision to net charge-offs | 174.4939% | 1,511 |
| Earnings coverage of net charge-offs (x) | 3.9798% | 3,313 |
| Efficiency ratio | 74.8593% | 3,078 |
| Assets per employee ($millions) | 4.2466% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0019% | 2,270 |
| Loan loss allowance to noncurrent loans | 26.6732% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 6.6418% | 704 |
| Noncurrent loans to loans | 7.5052% | 561 |
| Net loans and leases to total assets | 78.0989% | 697 |
| Net loans and leases to deposits | 95.1978% | 731 |
| Net loans and leases to core deposits | 106.3457% | 782 |
| Total domestic deposits to total assets | 82.0386% | 5,116 |
| Equity capital to assets | 13.1364% | 1,425 |
| Core capital (leverage) ratio | 13.1153% | 1,097 |
| Tier 1 risk-based capital ratio | 16.2996% | 2,907 |
| Total risk-based capital ratio | 17.5594% | 2,873 |
| Memoranda: | ||
| Average total assets | $88,592,600 | 5,221 |
| Average earning assets | $81,360,600 | 5,188 |
| Average equity | $10,989,400 | 4,780 |
| Average total loans | $70,326,000 | 4,477 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3575% | 1,653 |
| Cost of funding earning assets | 0.8626% | 4,682 |
| Net interest margin | 4.4949% | 1,164 |
| Noninterest income to average assets | 0.2696% | 5,685 |
| Noninterest expense to average assets | 3.2160% | 2,783 |
| Loan and lease loss provision to assets | 0.7016% | 1,369 |
| Net operating income to assets | 0.2964% | 5,404 |
| Return on assets (ROA) | 0.2964% | 5,583 |
| Pretax return on assets | 0.4737% | 5,247 |
| Return on Equity (ROE) | 2.4237% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.4237% | 4,911 |
| Net charge-offs to loans | 0.4677% | 2,864 |
| Credit loss provision to net charge-offs | 189.1566% | 1,541 |
| Earnings coverage of net charge-offs (x) | 3.1687% | 3,552 |
| Efficiency ratio | 73.2361% | 3,328 |
| Assets per employee ($millions) | 4.3534% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9994% | 2,341 |
| Loan loss allowance to noncurrent loans | 26.8904% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 6.9222% | 719 |
| Noncurrent loans to loans | 7.4352% | 641 |
| Net loans and leases to total assets | 78.4766% | 662 |
| Net loans and leases to deposits | 95.0928% | 751 |
| Net loans and leases to core deposits | 106.4233% | 844 |
| Total domestic deposits to total assets | 82.5263% | 4,867 |
| Equity capital to assets | 12.7555% | 1,753 |
| Core capital (leverage) ratio | 12.4391% | 1,463 |
| Tier 1 risk-based capital ratio | 15.8872% | 3,171 |
| Total risk-based capital ratio | 17.1465% | 3,125 |
| Memoranda: | ||
| Average total assets | $89,507,750 | 5,233 |
| Average earning assets | $82,076,250 | 5,214 |
| Average equity | $10,947,500 | 4,816 |
| Average total loans | $70,986,000 | 4,495 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2783% | 1,958 |
| Cost of funding earning assets | 0.8909% | 4,751 |
| Net interest margin | 4.3874% | 1,407 |
| Noninterest income to average assets | 0.2923% | 5,539 |
| Noninterest expense to average assets | 3.2971% | 2,580 |
| Loan and lease loss provision to assets | 0.8968% | 1,000 |
| Net operating income to assets | 0.0908% | 6,039 |
| Return on assets (ROA) | 0.0908% | 6,117 |
| Pretax return on assets | 0.1439% | 6,031 |
| Return on Equity (ROE) | 0.7527% | 6,134 |
| Retained earnings to average equity (ytd only) | 0.7527% | 5,557 |
| Net charge-offs to loans | 0.6470% | 2,229 |
| Credit loss provision to net charge-offs | 175.3247% | 1,718 |
| Earnings coverage of net charge-offs (x) | 2.0346% | 3,841 |
| Efficiency ratio | 76.0082% | 3,009 |
| Assets per employee ($millions) | 4.0521% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8953% | 2,683 |
| Loan loss allowance to noncurrent loans | 25.4494% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 7.7109% | 620 |
| Noncurrent loans to loans | 7.4472% | 644 |
| Net loans and leases to total assets | 78.0977% | 766 |
| Net loans and leases to deposits | 96.6126% | 676 |
| Net loans and leases to core deposits | 108.2248% | 804 |
| Total domestic deposits to total assets | 80.8359% | 5,587 |
| Equity capital to assets | 12.2810% | 1,915 |
| Core capital (leverage) ratio | 12.0255% | 1,578 |
| Tier 1 risk-based capital ratio | 15.1130% | 3,440 |
| Total risk-based capital ratio | 16.3711% | 3,404 |
| Memoranda: | ||
| Average total assets | $90,321,000 | 5,247 |
| Average earning assets | $83,284,000 | 5,222 |
| Average equity | $10,894,670 | 4,826 |
| Average total loans | $71,407,330 | 4,520 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1599% | 2,382 |
| Cost of funding earning assets | 0.9036% | 4,893 |
| Net interest margin | 4.2564% | 1,714 |
| Noninterest income to average assets | 0.2376% | 6,008 |
| Noninterest expense to average assets | 3.3880% | 2,311 |
| Loan and lease loss provision to assets | 1.3200% | 515 |
| Net operating income to assets | -0.3344% | 6,689 |
| Return on assets (ROA) | -0.3344% | 6,698 |
| Pretax return on assets | -0.5324% | 6,770 |
| Return on Equity (ROE) | -2.7972% | 6,643 |
| Retained earnings to average equity (ytd only) | -2.7972% | 6,261 |
| Net charge-offs to loans | 0.7539% | 1,713 |
| Credit loss provision to net charge-offs | 222.2222% | 1,362 |
| Earnings coverage of net charge-offs (x) | 1.3259% | 3,683 |
| Efficiency ratio | 81.1380% | 2,349 |
| Assets per employee ($millions) | 4.3607% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8714% | 2,786 |
| Loan loss allowance to noncurrent loans | 21.1058% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 8.6650% | 521 |
| Noncurrent loans to loans | 8.8667% | 514 |
| Net loans and leases to total assets | 76.5001% | 960 |
| Net loans and leases to deposits | 93.9113% | 836 |
| Net loans and leases to core deposits | 102.7440% | 1,145 |
| Total domestic deposits to total assets | 81.4600% | 5,507 |
| Equity capital to assets | 11.8275% | 2,022 |
| Core capital (leverage) ratio | 11.9688% | 1,582 |
| Tier 1 risk-based capital ratio | 14.4420% | 3,778 |
| Total risk-based capital ratio | 15.6986% | 3,734 |
| Memoranda: | ||
| Average total assets | $90,908,500 | 5,265 |
| Average earning assets | $84,109,500 | 5,223 |
| Average equity | $10,868,000 | 4,825 |
| Average total loans | $71,628,000 | 4,554 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7852% | 1,309 |
| Cost of funding earning assets | 1.2190% | 4,430 |
| Net interest margin | 4.5662% | 1,086 |
| Noninterest income to average assets | 0.1926% | 6,389 |
| Noninterest expense to average assets | 3.1544% | 3,256 |
| Loan and lease loss provision to assets | 0.3886% | 3,782 |
| Net operating income to assets | 0.5104% | 4,051 |
| Return on assets (ROA) | 0.5104% | 4,205 |
| Pretax return on assets | 0.8592% | 3,441 |
| Return on Equity (ROE) | 4.3388% | 4,369 |
| Retained earnings to average equity (ytd only) | 4.3388% | 2,802 |
| Net charge-offs to loans | 1.7459% | 1,229 |
| Credit loss provision to net charge-offs | 27.0416% | 6,513 |
| Earnings coverage of net charge-offs (x) | 0.8683% | 5,262 |
| Efficiency ratio | 71.6549% | 3,862 |
| Assets per employee ($millions) | 4.2972% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 3,468 |
| Loan loss allowance to noncurrent loans | 14.6229% | 6,995 |
| Noncurrent assets plus other real estate owned to assets | 9.1055% | 491 |
| Noncurrent loans to loans | 11.1431% | 347 |
| Net loans and leases to total assets | 78.3382% | 892 |
| Net loans and leases to deposits | 96.6319% | 806 |
| Net loans and leases to core deposits | 111.8965% | 819 |
| Total domestic deposits to total assets | 81.0687% | 5,505 |
| Equity capital to assets | 12.0842% | 1,862 |
| Core capital (leverage) ratio | 12.2813% | 1,398 |
| Tier 1 risk-based capital ratio | 14.8569% | 3,332 |
| Total risk-based capital ratio | 16.1110% | 3,289 |
| Memoranda: | ||
| Average total assets | $90,319,400 | 5,279 |
| Average earning assets | $83,263,600 | 5,244 |
| Average equity | $10,625,000 | 4,954 |
| Average total loans | $74,346,800 | 4,512 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7971% | 1,405 |
| Cost of funding earning assets | 1.2825% | 4,351 |
| Net interest margin | 4.5146% | 1,227 |
| Noninterest income to average assets | 0.1845% | 6,559 |
| Noninterest expense to average assets | 3.1805% | 2,997 |
| Loan and lease loss provision to assets | 0.5845% | 2,598 |
| Net operating income to assets | 0.3527% | 4,954 |
| Return on assets (ROA) | 0.3527% | 5,129 |
| Pretax return on assets | 0.5653% | 4,706 |
| Return on Equity (ROE) | 3.0190% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.0190% | 4,319 |
| Net charge-offs to loans | 0.9408% | 2,112 |
| Credit loss provision to net charge-offs | 74.8582% | 5,289 |
| Earnings coverage of net charge-offs (x) | 1.4726% | 4,625 |
| Efficiency ratio | 73.4492% | 3,425 |
| Assets per employee ($millions) | 4.2488% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7047% | 1,079 |
| Loan loss allowance to noncurrent loans | 56.6657% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 4.4035% | 1,543 |
| Noncurrent loans to loans | 4.7731% | 1,475 |
| Net loans and leases to total assets | 80.0280% | 745 |
| Net loans and leases to deposits | 98.7676% | 742 |
| Net loans and leases to core deposits | 115.5589% | 764 |
| Total domestic deposits to total assets | 81.0266% | 5,354 |
| Equity capital to assets | 11.9686% | 2,177 |
| Core capital (leverage) ratio | 11.5951% | 1,878 |
| Tier 1 risk-based capital ratio | 14.1847% | 3,699 |
| Total risk-based capital ratio | 15.4525% | 3,662 |
| Memoranda: | ||
| Average total assets | $90,338,750 | 5,345 |
| Average earning assets | $82,958,750 | 5,306 |
| Average equity | $10,555,000 | 5,037 |
| Average total loans | $74,967,250 | 4,563 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7355% | 1,613 |
| Cost of funding earning assets | 1.2943% | 4,573 |
| Net interest margin | 4.4412% | 1,341 |
| Noninterest income to average assets | 0.1786% | 6,630 |
| Noninterest expense to average assets | 3.1639% | 3,038 |
| Loan and lease loss provision to assets | 0.5600% | 2,530 |
| Net operating income to assets | 0.3373% | 5,038 |
| Return on assets (ROA) | 0.3373% | 5,191 |
| Pretax return on assets | 0.5402% | 4,778 |
| Return on Equity (ROE) | 2.9105% | 5,271 |
| Retained earnings to average equity (ytd only) | 2.9105% | 4,285 |
| Net charge-offs to loans | 0.4716% | 3,118 |
| Credit loss provision to net charge-offs | 142.6966% | 2,786 |
| Earnings coverage of net charge-offs (x) | 2.8034% | 3,586 |
| Efficiency ratio | 74.1986% | 3,438 |
| Assets per employee ($millions) | 4.3620% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9013% | 916 |
| Loan loss allowance to noncurrent loans | 53.0336% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 4.5163% | 1,470 |
| Noncurrent loans to loans | 5.4706% | 1,207 |
| Net loans and leases to total assets | 80.1607% | 770 |
| Net loans and leases to deposits | 98.1750% | 860 |
| Net loans and leases to core deposits | 117.3571% | 790 |
| Total domestic deposits to total assets | 81.6509% | 5,125 |
| Equity capital to assets | 11.5621% | 2,391 |
| Core capital (leverage) ratio | 11.7396% | 1,786 |
| Tier 1 risk-based capital ratio | 13.7197% | 3,923 |
| Total risk-based capital ratio | 14.9899% | 3,874 |
| Memoranda: | ||
| Average total assets | $90,710,000 | 5,364 |
| Average earning assets | $83,445,670 | 5,317 |
| Average equity | $10,513,670 | 5,055 |
| Average total loans | $75,493,000 | 4,583 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 1,751 |
| Cost of funding earning assets | 1.3342% | 4,602 |
| Net interest margin | 4.3733% | 1,465 |
| Noninterest income to average assets | 0.1728% | 6,733 |
| Noninterest expense to average assets | 3.1951% | 2,885 |
| Loan and lease loss provision to assets | 0.4166% | 2,877 |
| Net operating income to assets | 0.3678% | 4,985 |
| Return on assets (ROA) | 0.3678% | 5,109 |
| Pretax return on assets | 0.5849% | 4,671 |
| Return on Equity (ROE) | 3.1695% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.1695% | 4,242 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1352% | 3,189 |
| Assets per employee ($millions) | 4.4466% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9753% | 842 |
| Loan loss allowance to noncurrent loans | 61.0207% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 4.0762% | 1,679 |
| Noncurrent loans to loans | 4.8759% | 1,495 |
| Net loans and leases to total assets | 81.1123% | 698 |
| Net loans and leases to deposits | 99.9903% | 752 |
| Net loans and leases to core deposits | 122.7458% | 683 |
| Total domestic deposits to total assets | 81.1202% | 5,414 |
| Equity capital to assets | 11.8271% | 2,146 |
| Core capital (leverage) ratio | 11.5120% | 1,904 |
| Tier 1 risk-based capital ratio | 13.8638% | 3,754 |
| Total risk-based capital ratio | 15.1353% | 3,701 |
| Memoranda: | ||
| Average total assets | $90,264,500 | 5,439 |
| Average earning assets | $83,049,000 | 5,397 |
| Average equity | $10,475,000 | 5,108 |
| Average total loans | $75,428,500 | 4,656 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2834% | 1,058 |
| Cost of funding earning assets | 1.6194% | 4,941 |
| Net interest margin | 4.6641% | 881 |
| Noninterest income to average assets | 0.1829% | 6,780 |
| Noninterest expense to average assets | 2.9629% | 4,291 |
| Loan and lease loss provision to assets | 1.4722% | 1,566 |
| Net operating income to assets | 0.1643% | 5,010 |
| Return on assets (ROA) | 0.1643% | 5,079 |
| Pretax return on assets | 0.1146% | 5,188 |
| Return on Equity (ROE) | 1.3526% | 5,134 |
| Retained earnings to average equity (ytd only) | 1.3526% | 4,106 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1234% | 5,565 |
| Assets per employee ($millions) | 4.5799% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7682% | 958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 81.2168% | 810 |
| Net loans and leases to deposits | 99.3589% | 957 |
| Net loans and leases to core deposits | 139.2319% | 835 |
| Total domestic deposits to total assets | 81.7409% | 5,054 |
| Equity capital to assets | 11.3889% | 2,402 |
| Core capital (leverage) ratio | 11.4308% | 1,958 |
| Tier 1 risk-based capital ratio | 13.1198% | 4,068 |
| Total risk-based capital ratio | 14.3871% | 4,001 |
| Memoranda: | ||
| Average total assets | $86,401,600 | 5,508 |
| Average earning assets | $80,895,200 | 5,427 |
| Average equity | $10,498,400 | 5,164 |
| Average total loans | $75,150,400 | 4,678 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2524% | 1,239 |
| Cost of funding earning assets | 1.6731% | 5,046 |
| Net interest margin | 4.5793% | 1,025 |
| Noninterest income to average assets | 0.1786% | 6,942 |
| Noninterest expense to average assets | 3.0425% | 3,873 |
| Loan and lease loss provision to assets | 0.2005% | 5,383 |
| Net operating income to assets | 0.7943% | 2,842 |
| Return on assets (ROA) | 0.7943% | 2,901 |
| Pretax return on assets | 1.2408% | 2,135 |
| Return on Equity (ROE) | 6.4287% | 3,333 |
| Retained earnings to average equity (ytd only) | 6.4287% | 1,747 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8546% | 5,009 |
| Assets per employee ($millions) | 4.4295% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 4,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 84.5795% | 474 |
| Net loans and leases to deposits | 102.3508% | 904 |
| Net loans and leases to core deposits | 133.7588% | 1,226 |
| Total domestic deposits to total assets | 82.6369% | 4,381 |
| Equity capital to assets | 12.1831% | 2,134 |
| Core capital (leverage) ratio | 12.5928% | 1,543 |
| Tier 1 risk-based capital ratio | 13.4716% | 3,870 |
| Total risk-based capital ratio | 14.7093% | 3,819 |
| Memoranda: | ||
| Average total assets | $85,102,500 | 5,588 |
| Average earning assets | $80,009,750 | 5,494 |
| Average equity | $10,515,000 | 5,195 |
| Average total loans | $74,810,250 | 4,742 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1911% | 1,485 |
| Cost of funding earning assets | 1.7217% | 5,168 |
| Net interest margin | 4.4694% | 1,247 |
| Noninterest income to average assets | 0.1787% | 7,018 |
| Noninterest expense to average assets | 3.0951% | 3,725 |
| Loan and lease loss provision to assets | 0.2716% | 4,403 |
| Net operating income to assets | 0.6695% | 3,385 |
| Return on assets (ROA) | 0.6695% | 3,497 |
| Pretax return on assets | 1.0365% | 2,853 |
| Return on Equity (ROE) | 5.3923% | 3,908 |
| Retained earnings to average equity (ytd only) | 5.3923% | 2,294 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2922% | 4,717 |
| Assets per employee ($millions) | 4.6077% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 4,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 87.1281% | 296 |
| Net loans and leases to deposits | 105.0285% | 827 |
| Net loans and leases to core deposits | 138.1748% | 1,098 |
| Total domestic deposits to total assets | 82.9566% | 4,256 |
| Equity capital to assets | 12.0644% | 2,165 |
| Core capital (leverage) ratio | 12.2450% | 1,721 |
| Tier 1 risk-based capital ratio | 13.1118% | 4,060 |
| Total risk-based capital ratio | 14.3228% | 4,009 |
| Memoranda: | ||
| Average total assets | $83,940,000 | 5,656 |
| Average earning assets | $79,340,330 | 5,552 |
| Average equity | $10,422,330 | 5,234 |
| Average total loans | $74,446,000 | 4,793 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1671% | 1,702 |
| Cost of funding earning assets | 1.6898% | 5,638 |
| Net interest margin | 4.4773% | 1,182 |
| Noninterest income to average assets | 0.1851% | 6,972 |
| Noninterest expense to average assets | 3.1265% | 3,280 |
| Loan and lease loss provision to assets | 0.1704% | 4,761 |
| Net operating income to assets | 0.7597% | 3,299 |
| Return on assets (ROA) | 0.7597% | 3,474 |
| Pretax return on assets | 1.1590% | 2,770 |
| Return on Equity (ROE) | 6.0275% | 4,030 |
| Retained earnings to average equity (ytd only) | 6.0275% | 2,612 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1639% | 4,543 |
| Assets per employee ($millions) | 4.1320% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 4,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 87.6402% | 298 |
| Net loans and leases to deposits | 111.5707% | 541 |
| Net loans and leases to core deposits | 165.4408% | 419 |
| Total domestic deposits to total assets | 78.5513% | 5,853 |
| Equity capital to assets | 12.6260% | 1,918 |
| Core capital (leverage) ratio | 13.2434% | 1,406 |
| Tier 1 risk-based capital ratio | 13.2603% | 4,016 |
| Total risk-based capital ratio | 14.4058% | 4,000 |
| Memoranda: | ||
| Average total assets | $82,136,500 | 5,741 |
| Average earning assets | $78,351,000 | 5,612 |
| Average equity | $10,352,500 | 5,277 |
| Average total loans | $73,050,000 | 4,870 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6373% | 2,303 |
| Cost of funding earning assets | 2.1333% | 5,910 |
| Net interest margin | 4.5040% | 1,409 |
| Noninterest income to average assets | 0.1936% | 7,069 |
| Noninterest expense to average assets | 3.5121% | 2,361 |
| Loan and lease loss provision to assets | 0.4328% | 3,127 |
| Net operating income to assets | 0.2796% | 5,617 |
| Return on assets (ROA) | 0.2796% | 5,425 |
| Pretax return on assets | 0.5081% | 4,948 |
| Return on Equity (ROE) | 2.0399% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.0399% | 3,967 |
| Net charge-offs to loans | 0.2604% | 3,677 |
| Credit loss provision to net charge-offs | 185.0575% | 2,678 |
| Earnings coverage of net charge-offs (x) | 4.0230% | 4,142 |
| Efficiency ratio | 78.8711% | 2,779 |
| Assets per employee ($millions) | 4.5352% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 4,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3275% | 2,089 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 88.1324% | 354 |
| Net loans and leases to deposits | 107.2812% | 1,021 |
| Net loans and leases to core deposits | 141.6511% | 1,177 |
| Total domestic deposits to total assets | 82.1508% | 4,141 |
| Equity capital to assets | 12.5818% | 1,974 |
| Core capital (leverage) ratio | 13.3313% | 1,437 |
| Tier 1 risk-based capital ratio | 12.6420% | 4,327 |
| Total risk-based capital ratio | 13.7067% | 4,366 |
| Memoranda: | ||
| Average total assets | $74,399,200 | 5,898 |
| Average earning assets | $70,359,800 | 5,806 |
| Average equity | $10,196,400 | 5,349 |
| Average total loans | $66,818,200 | 4,987 |