Home > Citizens Bank > Performance and Condition Ratios
Citizens 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 | 4.5178% | 3,324 |
| Cost of funding earning assets | 0.5265% | 5,016 |
| Net interest margin | 3.9913% | 2,425 |
| Noninterest income to average assets | 0.4363% | 4,351 |
| Noninterest expense to average assets | 2.7044% | 4,384 |
| Loan and lease loss provision to assets | 0.0333% | 5,477 |
| Net operating income to assets | 1.3485% | 1,200 |
| Return on assets (ROA) | 1.4378% | 1,156 |
| Pretax return on assets | 1.4378% | 1,907 |
| Return on Equity (ROE) | 16.8155% | 558 |
| Retained earnings to average equity (ytd only) | 7.7934% | 1,193 |
| Net charge-offs to loans | 0.1115% | 4,557 |
| Credit loss provision to net charge-offs | 53.9773% | 4,599 |
| Earnings coverage of net charge-offs (x) | 22.4205% | 1,265 |
| Efficiency ratio | 66.1839% | 4,463 |
| Assets per employee ($millions) | 4.8230% | 2,460 |
| Cash dividends to net income (ytd only)* | 53.6532% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 5,834 |
| Loan loss allowance to noncurrent loans | 102.8273% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 4,822 |
| Noncurrent loans to loans | 1.0063% | 4,182 |
| Net loans and leases to total assets | 57.2031% | 4,099 |
| Net loans and leases to deposits | 63.2072% | 4,635 |
| Net loans and leases to core deposits | 66.0677% | 4,732 |
| Total domestic deposits to total assets | 90.5009% | 700 |
| Equity capital to assets | 9.2002% | 5,267 |
| Core capital (leverage) ratio | 8.6093% | 5,449 |
| Tier 1 risk-based capital ratio | 13.4163% | 4,815 |
| Total risk-based capital ratio | 14.3697% | 4,970 |
| Memoranda: | ||
| Average total assets | $285,567,400 | 2,233 |
| Average earning assets | $261,142,600 | 2,222 |
| Average equity | $24,418,000 | 2,719 |
| Average total loans | $157,850,000 | 2,461 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5148% | 3,576 |
| Cost of funding earning assets | 0.5524% | 5,063 |
| Net interest margin | 3.9623% | 2,658 |
| Noninterest income to average assets | 0.4325% | 4,402 |
| Noninterest expense to average assets | 2.5637% | 4,866 |
| Loan and lease loss provision to assets | 0.0441% | 5,219 |
| Net operating income to assets | 1.4563% | 1,110 |
| Return on assets (ROA) | 1.5859% | 975 |
| Pretax return on assets | 1.5859% | 1,617 |
| Return on Equity (ROE) | 18.8965% | 403 |
| Retained earnings to average equity (ytd only) | 7.5774% | 1,806 |
| Net charge-offs to loans | 0.1487% | 3,918 |
| Credit loss provision to net charge-offs | 54.2857% | 4,299 |
| Earnings coverage of net charge-offs (x) | 18.4569% | 1,562 |
| Efficiency ratio | 63.0815% | 4,963 |
| Assets per employee ($millions) | 4.8193% | 2,419 |
| Cash dividends to net income (ytd only)* | 59.9004% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 6,032 |
| Loan loss allowance to noncurrent loans | 119.6569% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 5,223 |
| Noncurrent loans to loans | 0.8451% | 4,722 |
| Net loans and leases to total assets | 58.6237% | 4,018 |
| Net loans and leases to deposits | 72.6191% | 3,511 |
| Net loans and leases to core deposits | 76.5574% | 3,664 |
| Total domestic deposits to total assets | 80.7277% | 5,440 |
| Equity capital to assets | 9.1017% | 5,705 |
| Core capital (leverage) ratio | 8.2084% | 6,132 |
| Tier 1 risk-based capital ratio | 13.1309% | 5,144 |
| Total risk-based capital ratio | 14.0863% | 5,351 |
| Memoranda: | ||
| Average total assets | $287,026,000 | 2,253 |
| Average earning assets | $263,070,000 | 2,234 |
| Average equity | $24,088,500 | 2,769 |
| Average total loans | $156,890,250 | 2,504 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4934% | 3,799 |
| Cost of funding earning assets | 0.5975% | 4,927 |
| Net interest margin | 3.8959% | 2,920 |
| Noninterest income to average assets | 0.4020% | 4,634 |
| Noninterest expense to average assets | 2.3901% | 5,491 |
| Loan and lease loss provision to assets | 0.0207% | 5,405 |
| Net operating income to assets | 1.5632% | 892 |
| Return on assets (ROA) | 1.6966% | 764 |
| Pretax return on assets | 1.6966% | 1,266 |
| Return on Equity (ROE) | 20.7804% | 305 |
| Retained earnings to average equity (ytd only) | 7.8773% | 1,683 |
| Net charge-offs to loans | 0.1260% | 3,924 |
| Credit loss provision to net charge-offs | 30.9278% | 4,427 |
| Earnings coverage of net charge-offs (x) | 23.6392% | 1,247 |
| Efficiency ratio | 60.1425% | 5,553 |
| Assets per employee ($millions) | 4.7379% | 2,523 |
| Cash dividends to net income (ytd only)* | 62.0928% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 5,765 |
| Loan loss allowance to noncurrent loans | 122.1579% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.6201% | 5,222 |
| Noncurrent loans to loans | 0.9022% | 4,691 |
| Net loans and leases to total assets | 55.0896% | 4,612 |
| Net loans and leases to deposits | 62.7023% | 4,915 |
| Net loans and leases to core deposits | 65.9850% | 5,005 |
| Total domestic deposits to total assets | 87.8590% | 2,241 |
| Equity capital to assets | 8.8440% | 5,861 |
| Core capital (leverage) ratio | 8.0252% | 6,246 |
| Tier 1 risk-based capital ratio | 13.5672% | 4,770 |
| Total risk-based capital ratio | 14.5813% | 4,908 |
| Memoranda: | ||
| Average total assets | $289,528,000 | 2,235 |
| Average earning assets | $265,457,330 | 2,219 |
| Average equity | $23,637,670 | 2,797 |
| Average total loans | $154,007,330 | 2,548 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4721% | 4,023 |
| Cost of funding earning assets | 0.6655% | 4,574 |
| Net interest margin | 3.8066% | 3,367 |
| Noninterest income to average assets | 0.3772% | 4,842 |
| Noninterest expense to average assets | 2.3483% | 5,633 |
| Loan and lease loss provision to assets | 0.0404% | 4,882 |
| Net operating income to assets | 1.4793% | 1,060 |
| Return on assets (ROA) | 1.6262% | 918 |
| Pretax return on assets | 1.6262% | 1,485 |
| Return on Equity (ROE) | 20.7166% | 336 |
| Retained earnings to average equity (ytd only) | 12.9929% | 680 |
| Net charge-offs to loans | 0.0673% | 3,811 |
| Credit loss provision to net charge-offs | 115.3846% | 2,043 |
| Earnings coverage of net charge-offs (x) | 43.3846% | 699 |
| Efficiency ratio | 60.7106% | 5,503 |
| Assets per employee ($millions) | 4.9139% | 2,369 |
| Cash dividends to net income (ytd only)* | 37.2825% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,604 |
| Loan loss allowance to noncurrent loans | 849.2754% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 6,407 |
| Noncurrent loans to loans | 0.1385% | 6,412 |
| Net loans and leases to total assets | 50.9323% | 5,171 |
| Net loans and leases to deposits | 55.6115% | 5,645 |
| Net loans and leases to core deposits | 58.5691% | 5,668 |
| Total domestic deposits to total assets | 91.5859% | 352 |
| Equity capital to assets | 8.1420% | 6,420 |
| Core capital (leverage) ratio | 7.2848% | 6,732 |
| Tier 1 risk-based capital ratio | 13.3045% | 4,975 |
| Total risk-based capital ratio | 14.3489% | 5,104 |
| Memoranda: | ||
| Average total assets | $296,894,000 | 2,184 |
| Average earning assets | $272,267,000 | 2,185 |
| Average equity | $23,305,000 | 2,821 |
| Average total loans | $154,475,500 | 2,563 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8046% | 3,787 |
| Cost of funding earning assets | 1.2166% | 1,917 |
| Net interest margin | 3.5880% | 4,777 |
| Noninterest income to average assets | 0.4589% | 4,153 |
| Noninterest expense to average assets | 2.4964% | 5,478 |
| Loan and lease loss provision to assets | 0.0498% | 5,963 |
| Net operating income to assets | 1.2008% | 1,508 |
| Return on assets (ROA) | 1.1867% | 1,658 |
| Pretax return on assets | 1.1934% | 2,485 |
| Return on Equity (ROE) | 15.9559% | 609 |
| Retained earnings to average equity (ytd only) | 9.3554% | 710 |
| Net charge-offs to loans | 0.0234% | 6,115 |
| Credit loss provision to net charge-offs | 368.4211% | 630 |
| Earnings coverage of net charge-offs (x) | 93.0263% | 324 |
| Efficiency ratio | 66.5024% | 4,659 |
| Assets per employee ($millions) | 4.9815% | 2,228 |
| Cash dividends to net income (ytd only)* | 41.3669% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 5,815 |
| Loan loss allowance to noncurrent loans | 553.3123% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 6,153 |
| Noncurrent loans to loans | 0.1987% | 6,350 |
| Net loans and leases to total assets | 51.9225% | 5,322 |
| Net loans and leases to deposits | 56.5406% | 5,831 |
| Net loans and leases to core deposits | 60.6058% | 5,791 |
| Total domestic deposits to total assets | 91.8324% | 261 |
| Equity capital to assets | 7.5707% | 6,783 |
| Core capital (leverage) ratio | 7.3090% | 6,742 |
| Tier 1 risk-based capital ratio | 12.2397% | 5,652 |
| Total risk-based capital ratio | 13.2318% | 5,823 |
| Memoranda: | ||
| Average total assets | $281,119,600 | 2,256 |
| Average earning assets | $258,168,000 | 2,249 |
| Average equity | $20,907,600 | 3,017 |
| Average total loans | $162,458,600 | 2,469 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 3,419 |
| Cost of funding earning assets | 1.3161% | 1,615 |
| Net interest margin | 3.6155% | 4,704 |
| Noninterest income to average assets | 0.4938% | 3,920 |
| Noninterest expense to average assets | 2.5167% | 5,409 |
| Loan and lease loss provision to assets | 0.0581% | 5,715 |
| Net operating income to assets | 1.2288% | 1,579 |
| Return on assets (ROA) | 1.2049% | 1,747 |
| Pretax return on assets | 1.2141% | 2,583 |
| Return on Equity (ROE) | 16.2809% | 639 |
| Retained earnings to average equity (ytd only) | 8.6932% | 1,251 |
| Net charge-offs to loans | 0.0123% | 5,977 |
| Credit loss provision to net charge-offs | 800.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 178.5290% | 215 |
| Efficiency ratio | 66.0023% | 4,718 |
| Assets per employee ($millions) | 4.5090% | 2,896 |
| Cash dividends to net income (ytd only)* | 46.6052% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 5,971 |
| Loan loss allowance to noncurrent loans | 445.9391% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 6,290 |
| Noncurrent loans to loans | 0.2412% | 6,389 |
| Net loans and leases to total assets | 56.8839% | 4,701 |
| Net loans and leases to deposits | 62.3565% | 5,359 |
| Net loans and leases to core deposits | 67.2894% | 5,269 |
| Total domestic deposits to total assets | 91.2236% | 374 |
| Equity capital to assets | 7.9428% | 6,730 |
| Core capital (leverage) ratio | 7.5346% | 6,746 |
| Tier 1 risk-based capital ratio | 11.7024% | 6,104 |
| Total risk-based capital ratio | 12.6809% | 6,276 |
| Memoranda: | ||
| Average total assets | $275,432,000 | 2,314 |
| Average earning assets | $252,867,500 | 2,294 |
| Average equity | $20,383,250 | 3,091 |
| Average total loans | $163,190,500 | 2,466 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 3,636 |
| Cost of funding earning assets | 1.3868% | 1,472 |
| Net interest margin | 3.5105% | 5,110 |
| Noninterest income to average assets | 0.4902% | 3,946 |
| Noninterest expense to average assets | 2.5015% | 5,530 |
| Loan and lease loss provision to assets | 0.0881% | 5,213 |
| Net operating income to assets | 1.1235% | 1,811 |
| Return on assets (ROA) | 1.0919% | 1,990 |
| Pretax return on assets | 1.0919% | 2,883 |
| Return on Equity (ROE) | 15.1399% | 780 |
| Retained earnings to average equity (ytd only) | 6.8984% | 1,923 |
| Net charge-offs to loans | 0.0159% | 5,620 |
| Credit loss provision to net charge-offs | 923.0769% | 350 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 276 |
| Efficiency ratio | 67.3715% | 4,631 |
| Assets per employee ($millions) | 4.2384% | 3,278 |
| Cash dividends to net income (ytd only)* | 54.4355% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 6,196 |
| Loan loss allowance to noncurrent loans | 584.3854% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 6,425 |
| Noncurrent loans to loans | 0.1774% | 6,545 |
| Net loans and leases to total assets | 60.0166% | 4,270 |
| Net loans and leases to deposits | 66.1735% | 4,978 |
| Net loans and leases to core deposits | 70.8657% | 4,968 |
| Total domestic deposits to total assets | 90.6959% | 639 |
| Equity capital to assets | 7.4913% | 6,948 |
| Core capital (leverage) ratio | 7.3528% | 6,841 |
| Tier 1 risk-based capital ratio | 11.1323% | 6,424 |
| Total risk-based capital ratio | 12.0941% | 6,598 |
| Memoranda: | ||
| Average total assets | $272,552,670 | 2,348 |
| Average earning assets | $250,223,330 | 2,325 |
| Average equity | $19,656,670 | 3,180 |
| Average total loans | $163,138,330 | 2,493 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8277% | 3,920 |
| Cost of funding earning assets | 1.4164% | 1,526 |
| Net interest margin | 3.4113% | 5,383 |
| Noninterest income to average assets | 0.4908% | 3,961 |
| Noninterest expense to average assets | 2.4821% | 5,615 |
| Loan and lease loss provision to assets | 0.1115% | 4,620 |
| Net operating income to assets | 1.0277% | 2,082 |
| Return on assets (ROA) | 0.9830% | 2,292 |
| Pretax return on assets | 0.9830% | 3,188 |
| Return on Equity (ROE) | 13.9107% | 1,007 |
| Retained earnings to average equity (ytd only) | 5.2823% | 3,020 |
| Net charge-offs to loans | 0.0025% | 5,094 |
| Credit loss provision to net charge-offs | 7,500.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 766.0000% | 17 |
| Efficiency ratio | 68.5421% | 4,551 |
| Assets per employee ($millions) | 4.1452% | 3,554 |
| Cash dividends to net income (ytd only)* | 62.0272% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 6,022 |
| Loan loss allowance to noncurrent loans | 1,643.8095% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 6,599 |
| Noncurrent loans to loans | 0.0672% | 6,872 |
| Net loans and leases to total assets | 56.4413% | 4,922 |
| Net loans and leases to deposits | 61.2447% | 5,596 |
| Net loans and leases to core deposits | 65.7211% | 5,545 |
| Total domestic deposits to total assets | 92.1571% | 251 |
| Equity capital to assets | 7.0812% | 7,058 |
| Core capital (leverage) ratio | 7.3329% | 6,837 |
| Tier 1 risk-based capital ratio | 11.6300% | 6,001 |
| Total risk-based capital ratio | 12.6370% | 6,180 |
| Memoranda: | ||
| Average total assets | $268,961,000 | 2,400 |
| Average earning assets | $246,823,500 | 2,380 |
| Average equity | $19,007,000 | 3,256 |
| Average total loans | $159,884,000 | 2,567 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5456% | 2,102 |
| Cost of funding earning assets | 1.5786% | 2,198 |
| Net interest margin | 3.9670% | 3,169 |
| Noninterest income to average assets | 0.5677% | 3,695 |
| Noninterest expense to average assets | 2.7675% | 4,716 |
| Loan and lease loss provision to assets | 0.2127% | 5,130 |
| Net operating income to assets | 1.1815% | 1,458 |
| Return on assets (ROA) | 1.4347% | 946 |
| Pretax return on assets | 1.4388% | 1,542 |
| Return on Equity (ROE) | 18.9286% | 318 |
| Retained earnings to average equity (ytd only) | 12.1838% | 261 |
| Net charge-offs to loans | 0.1878% | 5,174 |
| Credit loss provision to net charge-offs | 169.9346% | 1,996 |
| Earnings coverage of net charge-offs (x) | 11.1732% | 1,631 |
| Efficiency ratio | 66.4343% | 4,885 |
| Assets per employee ($millions) | 4.0051% | 3,780 |
| Cash dividends to net income (ytd only)* | 35.6328% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 6,340 |
| Loan loss allowance to noncurrent loans | 58.5816% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.2980% | 4,435 |
| Noncurrent loans to loans | 1.7234% | 3,918 |
| Net loans and leases to total assets | 61.2759% | 4,445 |
| Net loans and leases to deposits | 66.5015% | 5,336 |
| Net loans and leases to core deposits | 71.7268% | 5,238 |
| Total domestic deposits to total assets | 92.1422% | 255 |
| Equity capital to assets | 7.0520% | 7,095 |
| Core capital (leverage) ratio | 7.7664% | 6,477 |
| Tier 1 risk-based capital ratio | 11.1057% | 6,245 |
| Total risk-based capital ratio | 12.0378% | 6,466 |
| Memoranda: | ||
| Average total assets | $244,515,200 | 2,600 |
| Average earning assets | $221,780,600 | 2,609 |
| Average equity | $18,532,800 | 3,346 |
| Average total loans | $162,936,000 | 2,576 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6288% | 1,953 |
| Cost of funding earning assets | 1.6123% | 2,324 |
| Net interest margin | 4.0166% | 3,021 |
| Noninterest income to average assets | 0.5905% | 3,502 |
| Noninterest expense to average assets | 2.7928% | 4,518 |
| Loan and lease loss provision to assets | 0.2004% | 5,048 |
| Net operating income to assets | 1.2300% | 1,515 |
| Return on assets (ROA) | 1.3274% | 1,364 |
| Pretax return on assets | 1.3330% | 2,082 |
| Return on Equity (ROE) | 17.1834% | 567 |
| Retained earnings to average equity (ytd only) | 11.2755% | 562 |
| Net charge-offs to loans | 0.2154% | 4,647 |
| Credit loss provision to net charge-offs | 136.8821% | 2,916 |
| Earnings coverage of net charge-offs (x) | 9.8098% | 1,961 |
| Efficiency ratio | 66.0437% | 4,846 |
| Assets per employee ($millions) | 3.6260% | 4,676 |
| Cash dividends to net income (ytd only)* | 34.3817% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 6,737 |
| Loan loss allowance to noncurrent loans | 52.5325% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.4763% | 4,240 |
| Noncurrent loans to loans | 1.7169% | 4,067 |
| Net loans and leases to total assets | 70.4741% | 2,618 |
| Net loans and leases to deposits | 78.2161% | 3,788 |
| Net loans and leases to core deposits | 86.3246% | 3,602 |
| Total domestic deposits to total assets | 90.1017% | 825 |
| Equity capital to assets | 8.2611% | 6,550 |
| Core capital (leverage) ratio | 7.9837% | 6,368 |
| Tier 1 risk-based capital ratio | 10.6764% | 6,652 |
| Total risk-based capital ratio | 11.5395% | 6,891 |
| Memoranda: | ||
| Average total assets | $239,559,750 | 2,674 |
| Average earning assets | $216,996,250 | 2,701 |
| Average equity | $18,505,750 | 3,392 |
| Average total loans | $162,763,250 | 2,618 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5686% | 2,258 |
| Cost of funding earning assets | 1.6503% | 2,386 |
| Net interest margin | 3.9183% | 3,357 |
| Noninterest income to average assets | 0.5608% | 3,624 |
| Noninterest expense to average assets | 2.7733% | 4,600 |
| Loan and lease loss provision to assets | 0.1961% | 4,908 |
| Net operating income to assets | 1.1384% | 1,731 |
| Return on assets (ROA) | 1.3086% | 1,350 |
| Pretax return on assets | 1.3086% | 2,054 |
| Return on Equity (ROE) | 17.3410% | 535 |
| Retained earnings to average equity (ytd only) | 11.1478% | 623 |
| Net charge-offs to loans | 0.2558% | 4,070 |
| Credit loss provision to net charge-offs | 114.6341% | 3,551 |
| Earnings coverage of net charge-offs (x) | 7.8000% | 2,232 |
| Efficiency ratio | 67.5132% | 4,674 |
| Assets per employee ($millions) | 3.6470% | 4,592 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 6,777 |
| Loan loss allowance to noncurrent loans | 47.0211% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 1.4415% | 4,304 |
| Noncurrent loans to loans | 1.9018% | 3,866 |
| Net loans and leases to total assets | 68.6322% | 3,212 |
| Net loans and leases to deposits | 76.1754% | 4,302 |
| Net loans and leases to core deposits | 83.7028% | 4,171 |
| Total domestic deposits to total assets | 90.0975% | 878 |
| Equity capital to assets | 7.8287% | 6,901 |
| Core capital (leverage) ratio | 7.6889% | 6,623 |
| Tier 1 risk-based capital ratio | 10.5866% | 6,619 |
| Total risk-based capital ratio | 11.4298% | 6,892 |
| Memoranda: | ||
| Average total assets | $239,641,330 | 2,704 |
| Average earning assets | $216,930,330 | 2,718 |
| Average equity | $18,084,330 | 3,456 |
| Average total loans | $160,287,670 | 2,691 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4985% | 2,580 |
| Cost of funding earning assets | 1.6479% | 2,664 |
| Net interest margin | 3.8506% | 3,566 |
| Noninterest income to average assets | 0.4781% | 4,215 |
| Noninterest expense to average assets | 2.7227% | 4,804 |
| Loan and lease loss provision to assets | 0.1826% | 4,692 |
| Net operating income to assets | 1.0642% | 1,948 |
| Return on assets (ROA) | 1.1804% | 1,677 |
| Pretax return on assets | 1.1804% | 2,436 |
| Return on Equity (ROE) | 15.9350% | 730 |
| Retained earnings to average equity (ytd only) | 11.4526% | 840 |
| Net charge-offs to loans | 0.0253% | 5,218 |
| Credit loss provision to net charge-offs | 1,100.0000% | 430 |
| Earnings coverage of net charge-offs (x) | 75.1000% | 415 |
| Efficiency ratio | 68.5905% | 4,608 |
| Assets per employee ($millions) | 3.7026% | 4,570 |
| Cash dividends to net income (ytd only)* | 28.1294% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 6,388 |
| Loan loss allowance to noncurrent loans | 1,618.9474% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 6,616 |
| Noncurrent loans to loans | 0.0626% | 7,242 |
| Net loans and leases to total assets | 62.4418% | 4,670 |
| Net loans and leases to deposits | 68.1035% | 5,577 |
| Net loans and leases to core deposits | 74.3041% | 5,472 |
| Total domestic deposits to total assets | 91.6866% | 325 |
| Equity capital to assets | 7.4932% | 7,079 |
| Core capital (leverage) ratio | 7.3785% | 6,957 |
| Tier 1 risk-based capital ratio | 10.7230% | 6,417 |
| Total risk-based capital ratio | 11.6426% | 6,721 |
| Memoranda: | ||
| Average total assets | $240,936,000 | 2,753 |
| Average earning assets | $218,460,000 | 2,756 |
| Average equity | $17,847,500 | 3,512 |
| Average total loans | $158,350,500 | 2,777 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8529% | 2,431 |
| Cost of funding earning assets | 1.9657% | 3,123 |
| Net interest margin | 3.8871% | 3,320 |
| Noninterest income to average assets | 0.4112% | 5,115 |
| Noninterest expense to average assets | 2.8290% | 4,842 |
| Loan and lease loss provision to assets | 0.1729% | 5,967 |
| Net operating income to assets | 0.9309% | 2,077 |
| Return on assets (ROA) | 0.9395% | 2,110 |
| Pretax return on assets | 0.9395% | 2,799 |
| Return on Equity (ROE) | 13.0853% | 943 |
| Retained earnings to average equity (ytd only) | 6.2807% | 1,236 |
| Net charge-offs to loans | 0.0487% | 6,609 |
| Credit loss provision to net charge-offs | 540.5405% | 559 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 682 |
| Efficiency ratio | 71.9327% | 4,272 |
| Assets per employee ($millions) | 3.7688% | 4,359 |
| Cash dividends to net income (ytd only)* | 52.0018% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8721% | 6,918 |
| Loan loss allowance to noncurrent loans | 1,097.7099% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 6,477 |
| Noncurrent loans to loans | 0.0795% | 7,218 |
| Net loans and leases to total assets | 67.7633% | 3,757 |
| Net loans and leases to deposits | 74.8460% | 4,900 |
| Net loans and leases to core deposits | 104.7630% | 3,478 |
| Total domestic deposits to total assets | 90.5369% | 729 |
| Equity capital to assets | 7.3221% | 7,180 |
| Core capital (leverage) ratio | 7.3200% | 6,965 |
| Tier 1 risk-based capital ratio | 9.8284% | 7,000 |
| Total risk-based capital ratio | 10.6395% | 7,266 |
| Memoranda: | ||
| Average total assets | $231,285,000 | 2,806 |
| Average earning assets | $209,538,800 | 2,841 |
| Average equity | $16,606,400 | 3,757 |
| Average total loans | $151,811,800 | 2,892 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8073% | 2,857 |
| Cost of funding earning assets | 2.0534% | 3,103 |
| Net interest margin | 3.7539% | 3,845 |
| Noninterest income to average assets | 0.4755% | 4,707 |
| Noninterest expense to average assets | 2.8314% | 4,755 |
| Loan and lease loss provision to assets | 0.1078% | 6,298 |
| Net operating income to assets | 0.9399% | 2,270 |
| Return on assets (ROA) | 0.9475% | 2,303 |
| Pretax return on assets | 0.9475% | 3,065 |
| Return on Equity (ROE) | 13.2655% | 1,055 |
| Retained earnings to average equity (ytd only) | 6.1677% | 1,869 |
| Net charge-offs to loans | 0.0206% | 6,610 |
| Credit loss provision to net charge-offs | 804.3478% | 474 |
| Earnings coverage of net charge-offs (x) | 78.1634% | 432 |
| Efficiency ratio | 72.9908% | 4,056 |
| Assets per employee ($millions) | 3.8058% | 4,177 |
| Cash dividends to net income (ytd only)* | 53.5054% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 7,100 |
| Loan loss allowance to noncurrent loans | 943.7037% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 5,806 |
| Noncurrent loans to loans | 0.0853% | 7,275 |
| Net loans and leases to total assets | 66.5175% | 4,301 |
| Net loans and leases to deposits | 77.9446% | 4,746 |
| Net loans and leases to core deposits | 112.9629% | 2,933 |
| Total domestic deposits to total assets | 85.3394% | 3,057 |
| Equity capital to assets | 7.2741% | 7,441 |
| Core capital (leverage) ratio | 7.3133% | 7,178 |
| Tier 1 risk-based capital ratio | 10.2472% | 6,739 |
| Total risk-based capital ratio | 11.0090% | 7,144 |
| Memoranda: | ||
| Average total assets | $228,806,250 | 2,855 |
| Average earning assets | $207,457,500 | 2,888 |
| Average equity | $16,342,750 | 3,845 |
| Average total loans | $148,544,000 | 2,973 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7101% | 3,479 |
| Cost of funding earning assets | 2.1604% | 2,987 |
| Net interest margin | 3.5497% | 4,571 |
| Noninterest income to average assets | 0.4708% | 4,704 |
| Noninterest expense to average assets | 2.7806% | 5,045 |
| Loan and lease loss provision to assets | 0.0972% | 6,198 |
| Net operating income to assets | 0.8091% | 2,820 |
| Return on assets (ROA) | 0.9964% | 2,217 |
| Pretax return on assets | 0.9964% | 3,027 |
| Return on Equity (ROE) | 14.0395% | 981 |
| Retained earnings to average equity (ytd only) | 7.0695% | 1,553 |
| Net charge-offs to loans | 0.0165% | 6,293 |
| Credit loss provision to net charge-offs | 916.6667% | 526 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 450 |
| Efficiency ratio | 75.4193% | 3,802 |
| Assets per employee ($millions) | 3.6968% | 4,335 |
| Cash dividends to net income (ytd only)* | 49.6454% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 7,165 |
| Loan loss allowance to noncurrent loans | 806.6667% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 5,564 |
| Noncurrent loans to loans | 0.0987% | 7,282 |
| Net loans and leases to total assets | 64.7031% | 4,836 |
| Net loans and leases to deposits | 76.4657% | 5,100 |
| Net loans and leases to core deposits | 107.1619% | 3,706 |
| Total domestic deposits to total assets | 84.6172% | 3,437 |
| Equity capital to assets | 6.8820% | 7,667 |
| Core capital (leverage) ratio | 7.6258% | 6,867 |
| Tier 1 risk-based capital ratio | 10.2411% | 6,659 |
| Total risk-based capital ratio | 10.9723% | 7,154 |
| Memoranda: | ||
| Average total assets | $226,422,000 | 2,896 |
| Average earning assets | $205,144,000 | 2,934 |
| Average equity | $16,069,000 | 3,907 |
| Average total loans | $145,316,000 | 3,066 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6538% | 4,025 |
| Cost of funding earning assets | 2.2837% | 2,773 |
| Net interest margin | 3.3701% | 5,254 |
| Noninterest income to average assets | 0.4212% | 5,039 |
| Noninterest expense to average assets | 2.6597% | 5,184 |
| Loan and lease loss provision to assets | 0.0896% | 5,816 |
| Net operating income to assets | 0.7241% | 3,445 |
| Return on assets (ROA) | 1.1040% | 2,076 |
| Pretax return on assets | 1.1040% | 2,973 |
| Return on Equity (ROE) | 15.3143% | 918 |
| Retained earnings to average equity (ytd only) | 8.8505% | 1,529 |
| Net charge-offs to loans | 0.0197% | 5,290 |
| Credit loss provision to net charge-offs | 714.2857% | 833 |
| Earnings coverage of net charge-offs (x) | 64.8571% | 614 |
| Efficiency ratio | 76.5738% | 3,394 |
| Assets per employee ($millions) | 3.6676% | 4,412 |
| Cash dividends to net income (ytd only)* | 42.2078% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 6,982 |
| Loan loss allowance to noncurrent loans | 202.2767% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 5,144 |
| Noncurrent loans to loans | 0.4189% | 6,372 |
| Net loans and leases to total assets | 61.4180% | 5,426 |
| Net loans and leases to deposits | 66.5731% | 6,322 |
| Net loans and leases to core deposits | 89.8762% | 5,566 |
| Total domestic deposits to total assets | 92.2565% | 147 |
| Equity capital to assets | 7.0900% | 7,629 |
| Core capital (leverage) ratio | 7.4397% | 7,224 |
| Tier 1 risk-based capital ratio | 11.1108% | 5,805 |
| Total risk-based capital ratio | 11.8776% | 6,184 |
| Memoranda: | ||
| Average total assets | $223,185,000 | 2,954 |
| Average earning assets | $202,128,500 | 2,992 |
| Average equity | $16,089,500 | 3,928 |
| Average total loans | $142,023,500 | 3,134 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5697% | 2,624 |
| Cost of funding earning assets | 2.8240% | 2,610 |
| Net interest margin | 3.7456% | 4,246 |
| Noninterest income to average assets | 0.5704% | 4,078 |
| Noninterest expense to average assets | 2.8508% | 4,601 |
| Loan and lease loss provision to assets | 0.2135% | 4,757 |
| Net operating income to assets | 0.8748% | 3,112 |
| Return on assets (ROA) | 0.8841% | 2,911 |
| Pretax return on assets | 0.8859% | 3,766 |
| Return on Equity (ROE) | 12.8190% | 1,378 |
| Retained earnings to average equity (ytd only) | 9.7909% | 478 |
| Net charge-offs to loans | 0.1795% | 4,401 |
| Credit loss provision to net charge-offs | 182.5397% | 2,734 |
| Earnings coverage of net charge-offs (x) | 9.3214% | 2,708 |
| Efficiency ratio | 72.3387% | 3,872 |
| Assets per employee ($millions) | 3.7101% | 4,152 |
| Cash dividends to net income (ytd only)* | 23.6220% | 4,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 7,274 |
| Loan loss allowance to noncurrent loans | 52.7014% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9398% | 4,474 |
| Noncurrent loans to loans | 1.4282% | 3,660 |
| Net loans and leases to total assets | 64.7887% | 5,106 |
| Net loans and leases to deposits | 70.4699% | 6,224 |
| Net loans and leases to core deposits | 95.7570% | 5,275 |
| Total domestic deposits to total assets | 91.9382% | 141 |
| Equity capital to assets | 7.3248% | 7,532 |
| Core capital (leverage) ratio | 7.3773% | 7,328 |
| Tier 1 risk-based capital ratio | 10.0098% | 6,726 |
| Total risk-based capital ratio | 10.6893% | 7,289 |
| Memoranda: | ||
| Average total assets | $215,480,200 | 2,933 |
| Average earning assets | $193,906,200 | 2,980 |
| Average equity | $14,860,800 | 4,171 |
| Average total loans | $140,372,600 | 3,094 |