Home > Circle Bank > Performance and Condition Ratios
Circle 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 | 5.6785% | 483 |
| Cost of funding earning assets | 0.9494% | 1,853 |
| Net interest margin | 4.7291% | 630 |
| Noninterest income to average assets | 0.2352% | 5,866 |
| Noninterest expense to average assets | 3.4479% | 1,887 |
| Loan and lease loss provision to assets | 0.0698% | 4,799 |
| Net operating income to assets | 0.6758% | 4,022 |
| Return on assets (ROA) | 0.6758% | 4,287 |
| Pretax return on assets | 1.1438% | 3,185 |
| Return on Equity (ROE) | 8.7118% | 2,941 |
| Retained earnings to average equity (ytd only) | 3.9701% | 4,091 |
| Net charge-offs to loans | 0.1246% | 4,129 |
| Credit loss provision to net charge-offs | 70.2929% | 3,894 |
| Earnings coverage of net charge-offs (x) | 12.2175% | 2,016 |
| Efficiency ratio | 73.9658% | 2,990 |
| Assets per employee ($millions) | 5.1825% | 1,951 |
| Cash dividends to net income (ytd only)* | 54.4279% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 3,616 |
| Loan loss allowance to noncurrent loans | 147.9249% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.4891% | 3,360 |
| Noncurrent loans to loans | 1.0659% | 4,307 |
| Net loans and leases to total assets | 78.3671% | 683 |
| Net loans and leases to deposits | 103.7714% | 287 |
| Net loans and leases to core deposits | 122.0978% | 275 |
| Total domestic deposits to total assets | 75.5190% | 6,450 |
| Equity capital to assets | 7.7480% | 6,693 |
| Core capital (leverage) ratio | 7.7732% | 6,483 |
| Tier 1 risk-based capital ratio | 11.0967% | 6,445 |
| Total risk-based capital ratio | 12.3416% | 6,418 |
| Memoranda: | ||
| Average total assets | $320,802,000 | 2,027 |
| Average earning assets | $300,260,750 | 1,986 |
| Average equity | $24,885,250 | 2,700 |
| Average total loans | $255,694,500 | 1,633 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7172% | 471 |
| Cost of funding earning assets | 0.9586% | 2,005 |
| Net interest margin | 4.7586% | 601 |
| Noninterest income to average assets | 0.1568% | 6,407 |
| Noninterest expense to average assets | 3.4575% | 1,885 |
| Loan and lease loss provision to assets | 0.0803% | 4,596 |
| Net operating income to assets | 0.6372% | 4,188 |
| Return on assets (ROA) | 0.6372% | 4,434 |
| Pretax return on assets | 1.0712% | 3,412 |
| Return on Equity (ROE) | 8.2108% | 3,163 |
| Retained earnings to average equity (ytd only) | 3.3215% | 4,391 |
| Net charge-offs to loans | 0.0637% | 4,540 |
| Credit loss provision to net charge-offs | 158.0247% | 1,758 |
| Earnings coverage of net charge-offs (x) | 22.6667% | 1,284 |
| Efficiency ratio | 75.0170% | 2,891 |
| Assets per employee ($millions) | 4.4139% | 3,062 |
| Cash dividends to net income (ytd only)* | 59.5472% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 3,525 |
| Loan loss allowance to noncurrent loans | 145.5644% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.6343% | 3,277 |
| Noncurrent loans to loans | 1.1147% | 4,290 |
| Net loans and leases to total assets | 79.3483% | 577 |
| Net loans and leases to deposits | 105.2421% | 250 |
| Net loans and leases to core deposits | 123.3105% | 265 |
| Total domestic deposits to total assets | 75.3959% | 6,543 |
| Equity capital to assets | 7.7489% | 6,696 |
| Core capital (leverage) ratio | 7.8340% | 6,421 |
| Tier 1 risk-based capital ratio | 11.0846% | 6,458 |
| Total risk-based capital ratio | 12.3424% | 6,424 |
| Memoranda: | ||
| Average total assets | $318,903,330 | 2,033 |
| Average earning assets | $298,364,000 | 1,995 |
| Average equity | $24,748,000 | 2,694 |
| Average total loans | $254,270,670 | 1,640 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7793% | 440 |
| Cost of funding earning assets | 0.9805% | 2,102 |
| Net interest margin | 4.7988% | 562 |
| Noninterest income to average assets | 0.1400% | 6,544 |
| Noninterest expense to average assets | 3.5102% | 1,746 |
| Loan and lease loss provision to assets | 0.1614% | 3,369 |
| Net operating income to assets | 0.5699% | 4,495 |
| Return on assets (ROA) | 0.5699% | 4,720 |
| Pretax return on assets | 0.9545% | 3,850 |
| Return on Equity (ROE) | 7.3383% | 3,587 |
| Retained earnings to average equity (ytd only) | 2.7113% | 4,905 |
| Net charge-offs to loans | 0.1384% | 3,270 |
| Credit loss provision to net charge-offs | 147.1264% | 1,694 |
| Earnings coverage of net charge-offs (x) | 10.1724% | 1,778 |
| Efficiency ratio | 75.8790% | 2,805 |
| Assets per employee ($millions) | 4.7514% | 2,590 |
| Cash dividends to net income (ytd only)* | 63.0531% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 3,540 |
| Loan loss allowance to noncurrent loans | 174.4408% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 1.6426% | 3,389 |
| Noncurrent loans to loans | 0.9459% | 4,786 |
| Net loans and leases to total assets | 78.8491% | 507 |
| Net loans and leases to deposits | 104.8952% | 236 |
| Net loans and leases to core deposits | 123.3502% | 261 |
| Total domestic deposits to total assets | 75.1694% | 6,627 |
| Equity capital to assets | 7.7659% | 6,650 |
| Core capital (leverage) ratio | 7.7628% | 6,441 |
| Tier 1 risk-based capital ratio | 11.3783% | 6,346 |
| Total risk-based capital ratio | 12.6412% | 6,318 |
| Memoranda: | ||
| Average total assets | $317,247,500 | 2,051 |
| Average earning assets | $296,573,500 | 2,003 |
| Average equity | $24,638,000 | 2,698 |
| Average total loans | $251,461,500 | 1,652 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0949% | 371 |
| Cost of funding earning assets | 1.1619% | 2,272 |
| Net interest margin | 4.9330% | 473 |
| Noninterest income to average assets | 0.3292% | 5,187 |
| Noninterest expense to average assets | 3.6429% | 1,656 |
| Loan and lease loss provision to assets | 0.0973% | 5,377 |
| Net operating income to assets | 0.7171% | 3,406 |
| Return on assets (ROA) | 0.7171% | 3,580 |
| Pretax return on assets | 1.2033% | 2,446 |
| Return on Equity (ROE) | 9.1829% | 2,369 |
| Retained earnings to average equity (ytd only) | 1.7361% | 4,985 |
| Net charge-offs to loans | 0.0285% | 6,038 |
| Credit loss provision to net charge-offs | 422.5352% | 542 |
| Earnings coverage of net charge-offs (x) | 56.4789% | 503 |
| Efficiency ratio | 73.6911% | 3,282 |
| Assets per employee ($millions) | 4.3309% | 3,201 |
| Cash dividends to net income (ytd only)* | 81.0945% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 3,265 |
| Loan loss allowance to noncurrent loans | 187.5843% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.7400% | 3,339 |
| Noncurrent loans to loans | 0.8974% | 4,891 |
| Net loans and leases to total assets | 77.0299% | 819 |
| Net loans and leases to deposits | 102.8681% | 341 |
| Net loans and leases to core deposits | 122.2924% | 315 |
| Total domestic deposits to total assets | 74.8822% | 6,622 |
| Equity capital to assets | 7.7665% | 6,707 |
| Core capital (leverage) ratio | 7.6941% | 6,535 |
| Tier 1 risk-based capital ratio | 11.8065% | 5,953 |
| Total risk-based capital ratio | 13.0662% | 5,930 |
| Memoranda: | ||
| Average total assets | $308,329,800 | 2,075 |
| Average earning assets | $288,405,600 | 2,036 |
| Average equity | $24,077,400 | 2,661 |
| Average total loans | $248,838,600 | 1,682 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1830% | 337 |
| Cost of funding earning assets | 1.1881% | 2,401 |
| Net interest margin | 4.9948% | 416 |
| Noninterest income to average assets | 0.3481% | 5,074 |
| Noninterest expense to average assets | 3.7200% | 1,453 |
| Loan and lease loss provision to assets | 0.1306% | 4,796 |
| Net operating income to assets | 0.7089% | 3,567 |
| Return on assets (ROA) | 0.7089% | 3,733 |
| Pretax return on assets | 1.1702% | 2,737 |
| Return on Equity (ROE) | 9.0656% | 2,564 |
| Retained earnings to average equity (ytd only) | -0.2170% | 6,010 |
| Net charge-offs to loans | 0.0396% | 5,597 |
| Credit loss provision to net charge-offs | 405.4054% | 707 |
| Earnings coverage of net charge-offs (x) | 40.3936% | 765 |
| Efficiency ratio | 74.0921% | 3,162 |
| Assets per employee ($millions) | 4.5101% | 2,892 |
| Cash dividends to net income (ytd only)* | 102.3937% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 3,340 |
| Loan loss allowance to noncurrent loans | 175.6745% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 1.7975% | 3,397 |
| Noncurrent loans to loans | 0.9566% | 4,970 |
| Net loans and leases to total assets | 77.2207% | 809 |
| Net loans and leases to deposits | 104.1713% | 314 |
| Net loans and leases to core deposits | 124.8174% | 299 |
| Total domestic deposits to total assets | 74.1286% | 6,742 |
| Equity capital to assets | 7.6336% | 6,877 |
| Core capital (leverage) ratio | 7.7742% | 6,587 |
| Tier 1 risk-based capital ratio | 11.1938% | 6,434 |
| Total risk-based capital ratio | 12.4526% | 6,408 |
| Memoranda: | ||
| Average total assets | $306,373,750 | 2,096 |
| Average earning assets | $286,608,500 | 2,054 |
| Average equity | $23,958,250 | 2,676 |
| Average total loans | $249,122,500 | 1,694 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2545% | 297 |
| Cost of funding earning assets | 1.2044% | 2,547 |
| Net interest margin | 5.0500% | 368 |
| Noninterest income to average assets | 0.3601% | 5,000 |
| Noninterest expense to average assets | 3.7618% | 1,420 |
| Loan and lease loss provision to assets | 0.1484% | 4,455 |
| Net operating income to assets | 0.7156% | 3,468 |
| Return on assets (ROA) | 0.7156% | 3,580 |
| Pretax return on assets | 1.1812% | 2,556 |
| Return on Equity (ROE) | 9.0753% | 2,477 |
| Retained earnings to average equity (ytd only) | -1.7398% | 6,205 |
| Net charge-offs to loans | 0.0465% | 5,202 |
| Credit loss provision to net charge-offs | 387.9310% | 778 |
| Earnings coverage of net charge-offs (x) | 34.7586% | 827 |
| Efficiency ratio | 73.8860% | 3,381 |
| Assets per employee ($millions) | 4.1849% | 3,378 |
| Cash dividends to net income (ytd only)* | 119.1705% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 3,490 |
| Loan loss allowance to noncurrent loans | 199.8054% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 1.7705% | 3,553 |
| Noncurrent loans to loans | 0.8261% | 5,276 |
| Net loans and leases to total assets | 80.1201% | 520 |
| Net loans and leases to deposits | 109.1774% | 192 |
| Net loans and leases to core deposits | 129.2001% | 282 |
| Total domestic deposits to total assets | 73.3853% | 6,891 |
| Equity capital to assets | 7.8337% | 6,783 |
| Core capital (leverage) ratio | 7.8803% | 6,433 |
| Tier 1 risk-based capital ratio | 11.4356% | 6,220 |
| Total risk-based capital ratio | 12.6833% | 6,209 |
| Memoranda: | ||
| Average total assets | $303,262,330 | 2,125 |
| Average earning assets | $284,116,330 | 2,080 |
| Average equity | $23,911,000 | 2,667 |
| Average total loans | $249,510,330 | 1,713 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2622% | 300 |
| Cost of funding earning assets | 1.2153% | 2,715 |
| Net interest margin | 5.0470% | 344 |
| Noninterest income to average assets | 0.3402% | 5,188 |
| Noninterest expense to average assets | 3.5864% | 1,798 |
| Loan and lease loss provision to assets | 0.2648% | 3,017 |
| Net operating income to assets | 0.7493% | 3,275 |
| Return on assets (ROA) | 0.7493% | 3,342 |
| Pretax return on assets | 1.2339% | 2,256 |
| Return on Equity (ROE) | 9.4726% | 2,288 |
| Retained earnings to average equity (ytd only) | -7.9831% | 6,750 |
| Net charge-offs to loans | 0.0865% | 4,093 |
| Credit loss provision to net charge-offs | 370.3704% | 893 |
| Earnings coverage of net charge-offs (x) | 20.9630% | 1,096 |
| Efficiency ratio | 70.5285% | 4,159 |
| Assets per employee ($millions) | 4.6024% | 2,729 |
| Cash dividends to net income (ytd only)* | 184.2756% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 3,580 |
| Loan loss allowance to noncurrent loans | 231.9523% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 1.6026% | 3,841 |
| Noncurrent loans to loans | 0.7061% | 5,604 |
| Net loans and leases to total assets | 80.8032% | 445 |
| Net loans and leases to deposits | 110.0610% | 181 |
| Net loans and leases to core deposits | 128.8355% | 281 |
| Total domestic deposits to total assets | 73.4168% | 6,966 |
| Equity capital to assets | 7.7907% | 6,683 |
| Core capital (leverage) ratio | 7.8117% | 6,455 |
| Tier 1 risk-based capital ratio | 11.3796% | 6,194 |
| Total risk-based capital ratio | 12.6387% | 6,178 |
| Memoranda: | ||
| Average total assets | $302,143,500 | 2,150 |
| Average earning assets | $284,052,500 | 2,087 |
| Average equity | $23,900,500 | 2,656 |
| Average total loans | $249,828,000 | 1,730 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4375% | 349 |
| Cost of funding earning assets | 1.4123% | 3,188 |
| Net interest margin | 5.0252% | 408 |
| Noninterest income to average assets | 0.2643% | 5,898 |
| Noninterest expense to average assets | 3.4035% | 2,431 |
| Loan and lease loss provision to assets | 0.3960% | 3,744 |
| Net operating income to assets | 0.7647% | 2,937 |
| Return on assets (ROA) | 0.7647% | 3,062 |
| Pretax return on assets | 1.2330% | 2,131 |
| Return on Equity (ROE) | 10.0159% | 1,922 |
| Retained earnings to average equity (ytd only) | 8.1619% | 933 |
| Net charge-offs to loans | 0.1026% | 5,836 |
| Credit loss provision to net charge-offs | 468.1452% | 490 |
| Earnings coverage of net charge-offs (x) | 19.2581% | 1,067 |
| Efficiency ratio | 67.6313% | 4,639 |
| Assets per employee ($millions) | 4.7703% | 2,457 |
| Cash dividends to net income (ytd only)* | 18.5103% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 3,678 |
| Loan loss allowance to noncurrent loans | 124.8337% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.7632% | 3,665 |
| Noncurrent loans to loans | 1.2622% | 4,603 |
| Net loans and leases to total assets | 81.9162% | 455 |
| Net loans and leases to deposits | 112.3858% | 195 |
| Net loans and leases to core deposits | 130.7602% | 320 |
| Total domestic deposits to total assets | 72.8884% | 7,006 |
| Equity capital to assets | 8.0312% | 6,465 |
| Core capital (leverage) ratio | 7.8235% | 6,410 |
| Tier 1 risk-based capital ratio | 11.5514% | 5,862 |
| Total risk-based capital ratio | 12.8100% | 5,861 |
| Memoranda: | ||
| Average total assets | $293,197,400 | 2,193 |
| Average earning assets | $278,197,800 | 2,128 |
| Average equity | $22,384,400 | 2,835 |
| Average total loans | $241,704,400 | 1,807 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3714% | 441 |
| Cost of funding earning assets | 1.4395% | 3,335 |
| Net interest margin | 4.9319% | 521 |
| Noninterest income to average assets | 0.2563% | 6,065 |
| Noninterest expense to average assets | 3.3712% | 2,371 |
| Loan and lease loss provision to assets | 0.4054% | 3,472 |
| Net operating income to assets | 0.6965% | 3,427 |
| Return on assets (ROA) | 0.6965% | 3,589 |
| Pretax return on assets | 1.1674% | 2,610 |
| Return on Equity (ROE) | 9.2465% | 2,410 |
| Retained earnings to average equity (ytd only) | 9.2465% | 980 |
| Net charge-offs to loans | 0.0556% | 5,961 |
| Credit loss provision to net charge-offs | 886.0000% | 342 |
| Earnings coverage of net charge-offs (x) | 34.3700% | 781 |
| Efficiency ratio | 68.1877% | 4,431 |
| Assets per employee ($millions) | 5.1839% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 3,778 |
| Loan loss allowance to noncurrent loans | 67.3852% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 2.4673% | 2,901 |
| Noncurrent loans to loans | 2.2834% | 3,349 |
| Net loans and leases to total assets | 77.1816% | 1,182 |
| Net loans and leases to deposits | 103.7070% | 446 |
| Net loans and leases to core deposits | 131.9525% | 351 |
| Total domestic deposits to total assets | 74.4227% | 6,870 |
| Equity capital to assets | 7.5375% | 7,108 |
| Core capital (leverage) ratio | 7.6280% | 6,741 |
| Tier 1 risk-based capital ratio | 11.5876% | 5,839 |
| Total risk-based capital ratio | 12.8445% | 5,826 |
| Memoranda: | ||
| Average total assets | $291,364,750 | 2,235 |
| Average earning assets | $276,938,250 | 2,169 |
| Average equity | $21,946,500 | 2,923 |
| Average total loans | $239,600,000 | 1,850 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4250% | 388 |
| Cost of funding earning assets | 1.4415% | 3,611 |
| Net interest margin | 4.9835% | 436 |
| Noninterest income to average assets | 0.3066% | 5,710 |
| Noninterest expense to average assets | 3.2224% | 2,825 |
| Loan and lease loss provision to assets | 0.5461% | 2,595 |
| Net operating income to assets | 0.7708% | 3,106 |
| Return on assets (ROA) | 0.7708% | 3,255 |
| Pretax return on assets | 1.2816% | 2,148 |
| Return on Equity (ROE) | 10.2360% | 2,013 |
| Retained earnings to average equity (ytd only) | 10.2360% | 794 |
| Net charge-offs to loans | 0.0802% | 5,334 |
| Credit loss provision to net charge-offs | 813.6842% | 457 |
| Earnings coverage of net charge-offs (x) | 27.2316% | 982 |
| Efficiency ratio | 63.8081% | 5,371 |
| Assets per employee ($millions) | 5.5837% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,936 |
| Loan loss allowance to noncurrent loans | 100.6792% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 1.9326% | 3,576 |
| Noncurrent loans to loans | 1.4901% | 4,470 |
| Net loans and leases to total assets | 79.2299% | 912 |
| Net loans and leases to deposits | 107.0588% | 346 |
| Net loans and leases to core deposits | 132.4582% | 382 |
| Total domestic deposits to total assets | 74.0060% | 6,969 |
| Equity capital to assets | 7.4577% | 7,138 |
| Core capital (leverage) ratio | 7.9546% | 6,320 |
| Tier 1 risk-based capital ratio | 11.2920% | 5,946 |
| Total risk-based capital ratio | 12.5538% | 5,926 |
| Memoranda: | ||
| Average total assets | $283,080,330 | 2,312 |
| Average earning assets | $269,447,000 | 2,233 |
| Average equity | $21,317,000 | 2,999 |
| Average total loans | $236,841,330 | 1,891 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4798% | 371 |
| Cost of funding earning assets | 1.4707% | 3,733 |
| Net interest margin | 5.0092% | 411 |
| Noninterest income to average assets | 0.3453% | 5,377 |
| Noninterest expense to average assets | 3.2007% | 2,861 |
| Loan and lease loss provision to assets | 0.5165% | 2,432 |
| Net operating income to assets | 0.8573% | 2,722 |
| Return on assets (ROA) | 0.8573% | 2,810 |
| Pretax return on assets | 1.4181% | 1,721 |
| Return on Equity (ROE) | 11.3233% | 1,688 |
| Retained earnings to average equity (ytd only) | 11.3233% | 861 |
| Net charge-offs to loans | 0.0639% | 4,771 |
| Credit loss provision to net charge-offs | 945.9459% | 491 |
| Earnings coverage of net charge-offs (x) | 35.4324% | 771 |
| Efficiency ratio | 62.3276% | 5,772 |
| Assets per employee ($millions) | 5.0043% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 4,171 |
| Loan loss allowance to noncurrent loans | 69.5173% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.7150% | 3,901 |
| Noncurrent loans to loans | 2.0846% | 3,677 |
| Net loans and leases to total assets | 81.0776% | 705 |
| Net loans and leases to deposits | 105.8770% | 428 |
| Net loans and leases to core deposits | 127.7994% | 542 |
| Total domestic deposits to total assets | 76.5772% | 6,648 |
| Equity capital to assets | 7.5435% | 7,037 |
| Core capital (leverage) ratio | 7.8461% | 6,438 |
| Tier 1 risk-based capital ratio | 11.6550% | 5,525 |
| Total risk-based capital ratio | 12.9175% | 5,474 |
| Memoranda: | ||
| Average total assets | $271,068,000 | 2,463 |
| Average earning assets | $259,204,000 | 2,356 |
| Average equity | $20,524,000 | 3,128 |
| Average total loans | $231,749,500 | 1,985 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1148% | 237 |
| Cost of funding earning assets | 2.2672% | 1,781 |
| Net interest margin | 4.8476% | 624 |
| Noninterest income to average assets | 0.2435% | 6,354 |
| Noninterest expense to average assets | 3.2408% | 3,228 |
| Loan and lease loss provision to assets | 0.3533% | 4,682 |
| Net operating income to assets | 0.8028% | 2,529 |
| Return on assets (ROA) | 0.8028% | 2,613 |
| Pretax return on assets | 1.3030% | 1,685 |
| Return on Equity (ROE) | 10.6892% | 1,503 |
| Retained earnings to average equity (ytd only) | 4.5224% | 2,087 |
| Net charge-offs to loans | 0.1171% | 5,998 |
| Credit loss provision to net charge-offs | 333.5793% | 974 |
| Earnings coverage of net charge-offs (x) | 15.6384% | 1,294 |
| Efficiency ratio | 66.1772% | 5,365 |
| Assets per employee ($millions) | 5.2379% | 1,905 |
| Cash dividends to net income (ytd only)* | 57.6923% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 4,771 |
| Loan loss allowance to noncurrent loans | 61.2212% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.8885% | 3,547 |
| Noncurrent loans to loans | 2.1232% | 3,488 |
| Net loans and leases to total assets | 87.7898% | 183 |
| Net loans and leases to deposits | 112.9158% | 293 |
| Net loans and leases to core deposits | 179.1992% | 170 |
| Total domestic deposits to total assets | 77.7480% | 6,285 |
| Equity capital to assets | 7.6015% | 6,946 |
| Core capital (leverage) ratio | 7.5464% | 6,748 |
| Tier 1 risk-based capital ratio | 10.7964% | 6,117 |
| Total risk-based capital ratio | 12.0565% | 6,081 |
| Memoranda: | ||
| Average total assets | $255,866,400 | 2,555 |
| Average earning assets | $245,628,000 | 2,446 |
| Average equity | $19,215,600 | 3,310 |
| Average total loans | $231,470,400 | 2,023 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1797% | 234 |
| Cost of funding earning assets | 2.4451% | 1,469 |
| Net interest margin | 4.7346% | 784 |
| Noninterest income to average assets | 0.2228% | 6,633 |
| Noninterest expense to average assets | 3.2546% | 3,107 |
| Loan and lease loss provision to assets | 0.3606% | 4,160 |
| Net operating income to assets | 0.7003% | 3,208 |
| Return on assets (ROA) | 0.7003% | 3,264 |
| Pretax return on assets | 1.1537% | 2,403 |
| Return on Equity (ROE) | 9.3543% | 2,139 |
| Retained earnings to average equity (ytd only) | 1.0573% | 4,727 |
| Net charge-offs to loans | 0.1644% | 5,075 |
| Credit loss provision to net charge-offs | 241.4035% | 1,807 |
| Earnings coverage of net charge-offs (x) | 10.1368% | 2,000 |
| Efficiency ratio | 68.2458% | 4,920 |
| Assets per employee ($millions) | 4.9933% | 2,155 |
| Cash dividends to net income (ytd only)* | 88.6975% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 5,108 |
| Loan loss allowance to noncurrent loans | 142.5369% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7708% | 5,585 |
| Noncurrent loans to loans | 0.8421% | 5,611 |
| Net loans and leases to total assets | 90.4331% | 101 |
| Net loans and leases to deposits | 125.7032% | 138 |
| Net loans and leases to core deposits | 165.0744% | 316 |
| Total domestic deposits to total assets | 71.9418% | 7,219 |
| Equity capital to assets | 7.5379% | 7,270 |
| Core capital (leverage) ratio | 7.3206% | 7,173 |
| Tier 1 risk-based capital ratio | 10.5628% | 6,401 |
| Total risk-based capital ratio | 11.8176% | 6,358 |
| Memoranda: | ||
| Average total assets | $254,359,000 | 2,580 |
| Average earning assets | $244,239,000 | 2,474 |
| Average equity | $19,042,500 | 3,364 |
| Average total loans | $231,101,500 | 2,050 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1756% | 244 |
| Cost of funding earning assets | 2.5745% | 1,358 |
| Net interest margin | 4.6011% | 949 |
| Noninterest income to average assets | 0.1951% | 6,895 |
| Noninterest expense to average assets | 3.2164% | 3,287 |
| Loan and lease loss provision to assets | 0.3052% | 4,122 |
| Net operating income to assets | 0.6655% | 3,411 |
| Return on assets (ROA) | 0.6655% | 3,517 |
| Pretax return on assets | 1.0934% | 2,663 |
| Return on Equity (ROE) | 8.9093% | 2,395 |
| Retained earnings to average equity (ytd only) | -1.2005% | 5,535 |
| Net charge-offs to loans | 0.0877% | 5,322 |
| Credit loss provision to net charge-offs | 384.1584% | 1,207 |
| Earnings coverage of net charge-offs (x) | 17.6040% | 1,469 |
| Efficiency ratio | 69.6949% | 4,845 |
| Assets per employee ($millions) | 5.6675% | 1,434 |
| Cash dividends to net income (ytd only)* | 113.4752% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 5,256 |
| Loan loss allowance to noncurrent loans | 232.2078% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 6,370 |
| Noncurrent loans to loans | 0.4962% | 6,284 |
| Net loans and leases to total assets | 86.3716% | 346 |
| Net loans and leases to deposits | 122.1685% | 195 |
| Net loans and leases to core deposits | 169.5499% | 321 |
| Total domestic deposits to total assets | 70.6988% | 7,406 |
| Equity capital to assets | 7.1059% | 7,550 |
| Core capital (leverage) ratio | 7.3072% | 7,237 |
| Tier 1 risk-based capital ratio | 10.2590% | 6,638 |
| Total risk-based capital ratio | 11.5170% | 6,563 |
| Memoranda: | ||
| Average total assets | $254,258,670 | 2,586 |
| Average earning assets | $244,245,330 | 2,487 |
| Average equity | $18,991,330 | 3,393 |
| Average total loans | $230,437,000 | 2,079 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2739% | 232 |
| Cost of funding earning assets | 2.7216% | 1,200 |
| Net interest margin | 4.5523% | 1,033 |
| Noninterest income to average assets | 0.1692% | 7,095 |
| Noninterest expense to average assets | 3.1281% | 3,275 |
| Loan and lease loss provision to assets | 0.1418% | 5,131 |
| Net operating income to assets | 0.7703% | 3,254 |
| Return on assets (ROA) | 0.7703% | 3,427 |
| Pretax return on assets | 1.2715% | 2,369 |
| Return on Equity (ROE) | 10.0510% | 2,295 |
| Retained earnings to average equity (ytd only) | -0.0421% | 5,657 |
| Net charge-offs to loans | -0.0017% | 7,106 |
| Credit loss provision to net charge-offs | -8,800.0000% | 6,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8786% | 4,802 |
| Assets per employee ($millions) | 5.2983% | 1,745 |
| Cash dividends to net income (ytd only)* | 100.4184% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 5,620 |
| Loan loss allowance to noncurrent loans | 145.4333% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 5,402 |
| Noncurrent loans to loans | 0.7410% | 5,575 |
| Net loans and leases to total assets | 93.5484% | 34 |
| Net loans and leases to deposits | 137.5184% | 100 |
| Net loans and leases to core deposits | 185.5605% | 203 |
| Total domestic deposits to total assets | 68.0261% | 7,594 |
| Equity capital to assets | 7.8080% | 7,056 |
| Core capital (leverage) ratio | 7.7124% | 6,874 |
| Tier 1 risk-based capital ratio | 10.6246% | 6,267 |
| Total risk-based capital ratio | 11.8762% | 6,188 |
| Memoranda: | ||
| Average total assets | $248,202,500 | 2,670 |
| Average earning assets | $238,385,500 | 2,548 |
| Average equity | $19,023,000 | 3,414 |
| Average total loans | $229,280,000 | 2,102 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8245% | 238 |
| Cost of funding earning assets | 3.4879% | 539 |
| Net interest margin | 4.3366% | 1,866 |
| Noninterest income to average assets | 0.2039% | 6,986 |
| Noninterest expense to average assets | 2.7480% | 5,057 |
| Loan and lease loss provision to assets | 0.1322% | 5,672 |
| Net operating income to assets | 0.9002% | 2,997 |
| Return on assets (ROA) | 0.9002% | 2,839 |
| Pretax return on assets | 1.4839% | 1,727 |
| Return on Equity (ROE) | 12.1137% | 1,562 |
| Retained earnings to average equity (ytd only) | 9.4860% | 521 |
| Net charge-offs to loans | 0.0294% | 6,412 |
| Credit loss provision to net charge-offs | 489.3939% | 891 |
| Earnings coverage of net charge-offs (x) | 59.8182% | 671 |
| Efficiency ratio | 62.9678% | 5,782 |
| Assets per employee ($millions) | 5.3762% | 1,551 |
| Cash dividends to net income (ytd only)* | 21.6917% | 4,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 5,628 |
| Loan loss allowance to noncurrent loans | 258.9189% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 6,139 |
| Noncurrent loans to loans | 0.4056% | 6,131 |
| Net loans and leases to total assets | 89.3146% | 249 |
| Net loans and leases to deposits | 128.2563% | 237 |
| Net loans and leases to core deposits | 161.4660% | 548 |
| Total domestic deposits to total assets | 69.6376% | 7,320 |
| Equity capital to assets | 7.5257% | 7,358 |
| Core capital (leverage) ratio | 7.5232% | 7,183 |
| Tier 1 risk-based capital ratio | 10.6165% | 6,081 |
| Total risk-based capital ratio | 11.8692% | 5,977 |
| Memoranda: | ||
| Average total assets | $244,287,000 | 2,607 |
| Average earning assets | $234,354,600 | 2,517 |
| Average equity | $18,153,000 | 3,536 |
| Average total loans | $224,260,800 | 2,090 |