Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 3,868 |
| Cost of funding earning assets | 0.9325% | 695 |
| Net interest margin | 3.1368% | 5,212 |
| Noninterest income to average assets | 1.5778% | 587 |
| Noninterest expense to average assets | 3.7665% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6024% | 4,337 |
| Return on assets (ROA) | 0.9090% | 2,893 |
| Pretax return on assets | 0.9145% | 3,814 |
| Return on Equity (ROE) | 7.8726% | 3,187 |
| Retained earnings to average equity (ytd only) | -1.4905% | 6,193 |
| Net charge-offs to loans | 0.0563% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 24.1782% | 1,434 |
| Efficiency ratio | 86.1639% | 1,348 |
| Assets per employee ($millions) | 3.1445% | 5,595 |
| Cash dividends to net income (ytd only)* | 118.9321% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4266% | 1,018 |
| Loan loss allowance to noncurrent loans | 32.5449% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 3.6105% | 919 |
| Noncurrent loans to loans | 7.4560% | 260 |
| Net loans and leases to total assets | 42.3999% | 5,870 |
| Net loans and leases to deposits | 61.6978% | 4,798 |
| Net loans and leases to core deposits | 62.2238% | 5,094 |
| Total domestic deposits to total assets | 68.7219% | 6,643 |
| Equity capital to assets | 10.7693% | 2,992 |
| Core capital (leverage) ratio | 11.1494% | 2,342 |
| Tier 1 risk-based capital ratio | 18.4840% | 2,149 |
| Total risk-based capital ratio | 19.7404% | 2,116 |
| Memoranda: | ||
| Average total assets | $266,518,000 | 2,390 |
| Average earning assets | $237,351,250 | 2,463 |
| Average equity | $30,772,750 | 2,230 |
| Average total loans | $118,399,000 | 3,088 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1240% | 3,643 |
| Cost of funding earning assets | 0.9422% | 736 |
| Net interest margin | 3.1817% | 5,004 |
| Noninterest income to average assets | 1.2304% | 1,027 |
| Noninterest expense to average assets | 3.7949% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2566% | 5,757 |
| Return on assets (ROA) | 0.3331% | 5,638 |
| Pretax return on assets | 0.3465% | 5,758 |
| Return on Equity (ROE) | 2.8236% | 5,690 |
| Retained earnings to average equity (ytd only) | -3.2469% | 6,339 |
| Net charge-offs to loans | 0.0766% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.7826% | 2,502 |
| Efficiency ratio | 93.4312% | 789 |
| Assets per employee ($millions) | 3.0388% | 5,785 |
| Cash dividends to net income (ytd only)* | 214.9888% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3250% | 1,222 |
| Loan loss allowance to noncurrent loans | 32.6386% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 3.5322% | 1,081 |
| Noncurrent loans to loans | 7.1235% | 330 |
| Net loans and leases to total assets | 42.8094% | 5,838 |
| Net loans and leases to deposits | 61.7927% | 4,765 |
| Net loans and leases to core deposits | 62.2961% | 5,072 |
| Total domestic deposits to total assets | 69.2790% | 6,678 |
| Equity capital to assets | 10.6253% | 3,144 |
| Core capital (leverage) ratio | 10.8795% | 2,470 |
| Tier 1 risk-based capital ratio | 17.6184% | 2,470 |
| Total risk-based capital ratio | 18.8743% | 2,431 |
| Memoranda: | ||
| Average total assets | $268,360,330 | 2,390 |
| Average earning assets | $238,800,000 | 2,458 |
| Average equity | $31,661,330 | 2,175 |
| Average total loans | $120,061,330 | 3,069 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 3,177 |
| Cost of funding earning assets | 0.9656% | 724 |
| Net interest margin | 3.2666% | 4,645 |
| Noninterest income to average assets | 1.6924% | 548 |
| Noninterest expense to average assets | 3.7529% | 1,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7991% | 3,174 |
| Return on assets (ROA) | 0.7991% | 3,305 |
| Pretax return on assets | 0.8350% | 4,021 |
| Return on Equity (ROE) | 6.4486% | 3,790 |
| Retained earnings to average equity (ytd only) | -2.0167% | 6,079 |
| Net charge-offs to loans | -0.0033% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8004% | 2,067 |
| Assets per employee ($millions) | 3.0753% | 5,863 |
| Cash dividends to net income (ytd only)* | 131.2734% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3385% | 1,353 |
| Loan loss allowance to noncurrent loans | 26.7080% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 5.0489% | 723 |
| Noncurrent loans to loans | 8.7557% | 278 |
| Net loans and leases to total assets | 44.2625% | 5,629 |
| Net loans and leases to deposits | 65.5608% | 4,112 |
| Net loans and leases to core deposits | 66.6857% | 4,448 |
| Total domestic deposits to total assets | 67.5138% | 6,816 |
| Equity capital to assets | 12.2565% | 1,860 |
| Core capital (leverage) ratio | 11.0091% | 2,253 |
| Tier 1 risk-based capital ratio | 17.7309% | 2,472 |
| Total risk-based capital ratio | 18.9871% | 2,434 |
| Memoranda: | ||
| Average total assets | $267,312,000 | 2,419 |
| Average earning assets | $236,943,500 | 2,501 |
| Average equity | $33,123,500 | 2,122 |
| Average total loans | $120,823,500 | 3,071 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6007% | 3,003 |
| Cost of funding earning assets | 1.1610% | 696 |
| Net interest margin | 3.4397% | 4,741 |
| Noninterest income to average assets | 1.8762% | 476 |
| Noninterest expense to average assets | 3.8893% | 1,111 |
| Loan and lease loss provision to assets | 0.2200% | 2,936 |
| Net operating income to assets | 0.7957% | 3,308 |
| Return on assets (ROA) | 1.1244% | 2,024 |
| Pretax return on assets | 1.1611% | 2,947 |
| Return on Equity (ROE) | 9.1932% | 2,538 |
| Retained earnings to average equity (ytd only) | 6.0418% | 2,055 |
| Net charge-offs to loans | 0.6037% | 1,924 |
| Credit loss provision to net charge-offs | 79.4702% | 3,849 |
| Earnings coverage of net charge-offs (x) | 3.7642% | 3,616 |
| Efficiency ratio | 78.8652% | 2,296 |
| Assets per employee ($millions) | 3.1413% | 5,756 |
| Cash dividends to net income (ytd only)* | 34.2792% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3017% | 1,366 |
| Loan loss allowance to noncurrent loans | 24.2118% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 5.4832% | 674 |
| Noncurrent loans to loans | 9.5063% | 263 |
| Net loans and leases to total assets | 44.0415% | 5,814 |
| Net loans and leases to deposits | 67.5767% | 4,045 |
| Net loans and leases to core deposits | 70.9078% | 4,180 |
| Total domestic deposits to total assets | 65.1726% | 6,914 |
| Equity capital to assets | 12.5233% | 1,694 |
| Core capital (leverage) ratio | 10.9848% | 2,268 |
| Tier 1 risk-based capital ratio | 17.2267% | 2,547 |
| Total risk-based capital ratio | 18.4823% | 2,524 |
| Memoranda: | ||
| Average total assets | $272,674,400 | 2,323 |
| Average earning assets | $242,201,200 | 2,392 |
| Average equity | $33,350,800 | 2,068 |
| Average total loans | $125,061,600 | 2,984 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8427% | 2,225 |
| Cost of funding earning assets | 1.2090% | 665 |
| Net interest margin | 3.6337% | 4,082 |
| Noninterest income to average assets | 1.7240% | 526 |
| Noninterest expense to average assets | 3.9793% | 959 |
| Loan and lease loss provision to assets | 0.2927% | 2,244 |
| Net operating income to assets | 0.6614% | 4,086 |
| Return on assets (ROA) | 1.0986% | 2,287 |
| Pretax return on assets | 1.1342% | 3,210 |
| Return on Equity (ROE) | 9.0356% | 2,783 |
| Retained earnings to average equity (ytd only) | 7.2301% | 1,997 |
| Net charge-offs to loans | 0.5518% | 1,952 |
| Credit loss provision to net charge-offs | 115.1631% | 2,531 |
| Earnings coverage of net charge-offs (x) | 3.8407% | 3,496 |
| Efficiency ratio | 80.3012% | 2,048 |
| Assets per employee ($millions) | 3.0380% | 5,985 |
| Cash dividends to net income (ytd only)* | 19.9824% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4291% | 1,302 |
| Loan loss allowance to noncurrent loans | 24.5058% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 5.8961% | 688 |
| Noncurrent loans to loans | 9.9122% | 253 |
| Net loans and leases to total assets | 45.6304% | 5,805 |
| Net loans and leases to deposits | 68.0203% | 4,175 |
| Net loans and leases to core deposits | 71.3227% | 4,334 |
| Total domestic deposits to total assets | 67.0835% | 6,951 |
| Equity capital to assets | 12.7539% | 1,739 |
| Core capital (leverage) ratio | 10.5365% | 2,874 |
| Tier 1 risk-based capital ratio | 16.7208% | 2,887 |
| Total risk-based capital ratio | 17.9777% | 2,845 |
| Memoranda: | ||
| Average total assets | $273,305,000 | 2,337 |
| Average earning assets | $243,052,000 | 2,419 |
| Average equity | $33,230,500 | 2,094 |
| Average total loans | $125,881,500 | 2,999 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8570% | 2,281 |
| Cost of funding earning assets | 1.2355% | 696 |
| Net interest margin | 3.6215% | 4,178 |
| Noninterest income to average assets | 1.6949% | 525 |
| Noninterest expense to average assets | 3.3841% | 2,070 |
| Loan and lease loss provision to assets | 0.4359% | 1,488 |
| Net operating income to assets | 1.0632% | 2,192 |
| Return on assets (ROA) | 1.1203% | 2,192 |
| Pretax return on assets | 1.1559% | 3,092 |
| Return on Equity (ROE) | 9.3620% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.1477% | 1,588 |
| Net charge-offs to loans | 0.9987% | 1,113 |
| Credit loss provision to net charge-offs | 95.2381% | 2,896 |
| Earnings coverage of net charge-offs (x) | 3.3492% | 3,408 |
| Efficiency ratio | 68.8239% | 3,971 |
| Assets per employee ($millions) | 3.3159% | 5,411 |
| Cash dividends to net income (ytd only)* | 12.9702% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3621% | 1,479 |
| Loan loss allowance to noncurrent loans | 27.4543% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 5.1371% | 917 |
| Noncurrent loans to loans | 8.6036% | 378 |
| Net loans and leases to total assets | 43.9771% | 6,016 |
| Net loans and leases to deposits | 66.2590% | 4,478 |
| Net loans and leases to core deposits | 70.1135% | 4,523 |
| Total domestic deposits to total assets | 66.3715% | 7,038 |
| Equity capital to assets | 12.3572% | 1,907 |
| Core capital (leverage) ratio | 10.3149% | 3,029 |
| Tier 1 risk-based capital ratio | 16.2830% | 3,009 |
| Total risk-based capital ratio | 17.5385% | 2,982 |
| Memoranda: | ||
| Average total assets | $275,291,330 | 2,334 |
| Average earning assets | $244,925,670 | 2,401 |
| Average equity | $32,941,670 | 2,088 |
| Average total loans | $126,166,000 | 3,004 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9829% | 1,947 |
| Cost of funding earning assets | 1.2849% | 670 |
| Net interest margin | 3.6979% | 3,843 |
| Noninterest income to average assets | 1.6184% | 557 |
| Noninterest expense to average assets | 3.4272% | 1,941 |
| Loan and lease loss provision to assets | 0.2906% | 2,143 |
| Net operating income to assets | 1.1506% | 1,878 |
| Return on assets (ROA) | 1.1506% | 2,058 |
| Pretax return on assets | 1.1869% | 2,959 |
| Return on Equity (ROE) | 9.7754% | 2,478 |
| Retained earnings to average equity (ytd only) | 9.7754% | 1,328 |
| Net charge-offs to loans | 0.9932% | 1,045 |
| Credit loss provision to net charge-offs | 63.2911% | 3,053 |
| Earnings coverage of net charge-offs (x) | 3.2184% | 2,913 |
| Efficiency ratio | 69.8756% | 3,841 |
| Assets per employee ($millions) | 3.4228% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2806% | 1,712 |
| Loan loss allowance to noncurrent loans | 29.0682% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 4.7954% | 1,096 |
| Noncurrent loans to loans | 7.8458% | 499 |
| Net loans and leases to total assets | 43.9225% | 6,023 |
| Net loans and leases to deposits | 66.0306% | 4,376 |
| Net loans and leases to core deposits | 70.1728% | 4,389 |
| Total domestic deposits to total assets | 66.5184% | 7,094 |
| Equity capital to assets | 11.8231% | 2,163 |
| Core capital (leverage) ratio | 10.1070% | 3,232 |
| Tier 1 risk-based capital ratio | 17.2091% | 2,601 |
| Total risk-based capital ratio | 18.5661% | 2,518 |
| Memoranda: | ||
| Average total assets | $275,329,000 | 2,346 |
| Average earning assets | $244,679,000 | 2,413 |
| Average equity | $32,408,000 | 2,122 |
| Average total loans | $127,269,000 | 2,994 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2453% | 1,893 |
| Cost of funding earning assets | 1.4110% | 993 |
| Net interest margin | 3.8343% | 3,652 |
| Noninterest income to average assets | -0.0131% | 7,019 |
| Noninterest expense to average assets | 3.1241% | 3,116 |
| Loan and lease loss provision to assets | 0.5297% | 1,977 |
| Net operating income to assets | -0.2051% | 6,262 |
| Return on assets (ROA) | 0.0117% | 6,138 |
| Pretax return on assets | 0.0453% | 6,055 |
| Return on Equity (ROE) | 0.1040% | 6,137 |
| Retained earnings to average equity (ytd only) | -1.4964% | 6,092 |
| Net charge-offs to loans | 1.2105% | 1,387 |
| Credit loss provision to net charge-offs | 87.0705% | 4,145 |
| Earnings coverage of net charge-offs (x) | 0.3885% | 5,527 |
| Efficiency ratio | 92.9678% | 984 |
| Assets per employee ($millions) | 3.4177% | 5,205 |
| Cash dividends to net income (ytd only)* | 1,539.3939% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2767% | 1,665 |
| Loan loss allowance to noncurrent loans | 28.1018% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 5.1892% | 1,007 |
| Noncurrent loans to loans | 8.1017% | 494 |
| Net loans and leases to total assets | 46.4371% | 5,974 |
| Net loans and leases to deposits | 69.9177% | 4,116 |
| Net loans and leases to core deposits | 77.0788% | 3,816 |
| Total domestic deposits to total assets | 66.4167% | 7,119 |
| Equity capital to assets | 11.7174% | 2,326 |
| Core capital (leverage) ratio | 9.6238% | 3,831 |
| Tier 1 risk-based capital ratio | 16.6317% | 2,765 |
| Total risk-based capital ratio | 17.9683% | 2,686 |
| Memoranda: | ||
| Average total assets | $282,258,000 | 2,247 |
| Average earning assets | $248,338,600 | 2,319 |
| Average equity | $31,742,800 | 2,090 |
| Average total loans | $141,848,000 | 2,755 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1780% | 2,288 |
| Cost of funding earning assets | 1.4314% | 1,099 |
| Net interest margin | 3.7465% | 4,124 |
| Noninterest income to average assets | 0.8624% | 1,787 |
| Noninterest expense to average assets | 3.1665% | 2,936 |
| Loan and lease loss provision to assets | 0.6070% | 1,618 |
| Net operating income to assets | 0.3645% | 5,142 |
| Return on assets (ROA) | 0.5742% | 4,385 |
| Pretax return on assets | 0.5962% | 4,820 |
| Return on Equity (ROE) | 5.1573% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.0627% | 3,836 |
| Net charge-offs to loans | 1.2170% | 1,283 |
| Credit loss provision to net charge-offs | 97.9576% | 3,488 |
| Earnings coverage of net charge-offs (x) | 1.5893% | 4,449 |
| Efficiency ratio | 76.2786% | 2,803 |
| Assets per employee ($millions) | 3.8280% | 4,241 |
| Cash dividends to net income (ytd only)* | 21.2246% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3277% | 1,644 |
| Loan loss allowance to noncurrent loans | 29.8863% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 5.7403% | 950 |
| Noncurrent loans to loans | 7.7884% | 582 |
| Net loans and leases to total assets | 44.8861% | 6,252 |
| Net loans and leases to deposits | 70.1723% | 4,272 |
| Net loans and leases to core deposits | 79.3862% | 3,724 |
| Total domestic deposits to total assets | 63.9656% | 7,246 |
| Equity capital to assets | 11.8016% | 2,409 |
| Core capital (leverage) ratio | 9.9318% | 3,528 |
| Tier 1 risk-based capital ratio | 16.2105% | 3,012 |
| Total risk-based capital ratio | 17.5337% | 2,940 |
| Memoranda: | ||
| Average total assets | $284,469,250 | 2,242 |
| Average earning assets | $249,719,250 | 2,323 |
| Average equity | $31,669,250 | 2,094 |
| Average total loans | $144,829,250 | 2,733 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2574% | 2,038 |
| Cost of funding earning assets | 1.4699% | 1,116 |
| Net interest margin | 3.7875% | 3,851 |
| Noninterest income to average assets | 0.8767% | 1,729 |
| Noninterest expense to average assets | 3.1120% | 3,207 |
| Loan and lease loss provision to assets | 0.8326% | 1,092 |
| Net operating income to assets | 0.2371% | 5,605 |
| Return on assets (ROA) | 0.4035% | 5,087 |
| Pretax return on assets | 0.4170% | 5,345 |
| Return on Equity (ROE) | 3.7022% | 5,061 |
| Retained earnings to average equity (ytd only) | 2.8534% | 4,469 |
| Net charge-offs to loans | 1.6073% | 911 |
| Credit loss provision to net charge-offs | 98.4020% | 3,205 |
| Earnings coverage of net charge-offs (x) | 1.2742% | 4,335 |
| Efficiency ratio | 74.2697% | 3,313 |
| Assets per employee ($millions) | 3.6009% | 4,680 |
| Cash dividends to net income (ytd only)* | 22.9277% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2575% | 1,814 |
| Loan loss allowance to noncurrent loans | 32.7158% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 5.8086% | 980 |
| Noncurrent loans to loans | 6.9002% | 760 |
| Net loans and leases to total assets | 48.1111% | 6,037 |
| Net loans and leases to deposits | 71.5897% | 4,189 |
| Net loans and leases to core deposits | 79.2660% | 3,888 |
| Total domestic deposits to total assets | 67.2039% | 7,230 |
| Equity capital to assets | 11.2243% | 2,745 |
| Core capital (leverage) ratio | 9.9997% | 3,263 |
| Tier 1 risk-based capital ratio | 15.6013% | 3,184 |
| Total risk-based capital ratio | 16.9183% | 3,116 |
| Memoranda: | ||
| Average total assets | $281,040,000 | 2,280 |
| Average earning assets | $245,864,000 | 2,365 |
| Average equity | $30,630,330 | 2,148 |
| Average total loans | $147,953,000 | 2,719 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3847% | 1,618 |
| Cost of funding earning assets | 1.5044% | 1,145 |
| Net interest margin | 3.8803% | 3,239 |
| Noninterest income to average assets | 1.0225% | 1,263 |
| Noninterest expense to average assets | 3.0330% | 3,510 |
| Loan and lease loss provision to assets | 1.0597% | 703 |
| Net operating income to assets | 0.3182% | 5,318 |
| Return on assets (ROA) | 0.6043% | 4,077 |
| Pretax return on assets | 0.6229% | 4,593 |
| Return on Equity (ROE) | 5.6303% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.6303% | 2,836 |
| Net charge-offs to loans | 1.9774% | 645 |
| Credit loss provision to net charge-offs | 98.5353% | 2,774 |
| Earnings coverage of net charge-offs (x) | 1.2903% | 3,701 |
| Efficiency ratio | 68.6103% | 4,534 |
| Assets per employee ($millions) | 3.6962% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1510% | 2,076 |
| Loan loss allowance to noncurrent loans | 30.9533% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 6.1371% | 925 |
| Noncurrent loans to loans | 6.9493% | 801 |
| Net loans and leases to total assets | 51.3164% | 5,673 |
| Net loans and leases to deposits | 76.0496% | 3,410 |
| Net loans and leases to core deposits | 85.8050% | 2,899 |
| Total domestic deposits to total assets | 67.4776% | 7,279 |
| Equity capital to assets | 10.7496% | 2,930 |
| Core capital (leverage) ratio | 9.9879% | 3,155 |
| Tier 1 risk-based capital ratio | 15.1998% | 3,317 |
| Total risk-based capital ratio | 16.4976% | 3,249 |
| Memoranda: | ||
| Average total assets | $279,323,500 | 2,309 |
| Average earning assets | $244,620,500 | 2,403 |
| Average equity | $29,980,500 | 2,174 |
| Average total loans | $151,917,500 | 2,689 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3974% | 2,683 |
| Cost of funding earning assets | 1.7958% | 1,185 |
| Net interest margin | 3.6016% | 4,814 |
| Noninterest income to average assets | 1.1111% | 1,200 |
| Noninterest expense to average assets | 3.0804% | 3,546 |
| Loan and lease loss provision to assets | 0.9509% | 1,710 |
| Net operating income to assets | 0.2586% | 5,087 |
| Return on assets (ROA) | 0.4379% | 4,529 |
| Pretax return on assets | 0.4249% | 4,868 |
| Return on Equity (ROE) | 4.1639% | 4,451 |
| Retained earnings to average equity (ytd only) | 2.4930% | 4,131 |
| Net charge-offs to loans | 1.4734% | 1,499 |
| Credit loss provision to net charge-offs | 112.7030% | 3,874 |
| Earnings coverage of net charge-offs (x) | 1.4182% | 4,697 |
| Efficiency ratio | 71.8100% | 3,832 |
| Assets per employee ($millions) | 3.5607% | 4,802 |
| Cash dividends to net income (ytd only)* | 40.1284% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0318% | 2,220 |
| Loan loss allowance to noncurrent loans | 25.1682% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 6.8497% | 809 |
| Noncurrent loans to loans | 8.0729% | 642 |
| Net loans and leases to total assets | 55.2081% | 5,456 |
| Net loans and leases to deposits | 86.5324% | 2,001 |
| Net loans and leases to core deposits | 92.4198% | 2,447 |
| Total domestic deposits to total assets | 63.8005% | 7,448 |
| Equity capital to assets | 10.7168% | 2,937 |
| Core capital (leverage) ratio | 9.9463% | 3,148 |
| Tier 1 risk-based capital ratio | 14.5138% | 3,537 |
| Total risk-based capital ratio | 15.8071% | 3,467 |
| Memoranda: | ||
| Average total assets | $284,571,000 | 2,249 |
| Average earning assets | $250,137,400 | 2,343 |
| Average equity | $29,923,800 | 2,183 |
| Average total loans | $162,952,200 | 2,575 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4062% | 2,846 |
| Cost of funding earning assets | 1.8332% | 1,288 |
| Net interest margin | 3.5731% | 4,998 |
| Noninterest income to average assets | 1.0581% | 1,282 |
| Noninterest expense to average assets | 3.2783% | 2,645 |
| Loan and lease loss provision to assets | 0.8895% | 1,710 |
| Net operating income to assets | 0.0540% | 5,876 |
| Return on assets (ROA) | 0.1993% | 5,670 |
| Pretax return on assets | 0.1774% | 5,775 |
| Return on Equity (ROE) | 1.9045% | 5,642 |
| Retained earnings to average equity (ytd only) | -0.3204% | 5,862 |
| Net charge-offs to loans | 1.5783% | 1,256 |
| Credit loss provision to net charge-offs | 98.0493% | 4,436 |
| Earnings coverage of net charge-offs (x) | 1.0159% | 5,044 |
| Efficiency ratio | 77.7667% | 2,655 |
| Assets per employee ($millions) | 3.7216% | 4,461 |
| Cash dividends to net income (ytd only)* | 116.8229% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 2,873 |
| Loan loss allowance to noncurrent loans | 22.0008% | 6,818 |
| Noncurrent assets plus other real estate owned to assets | 6.8074% | 812 |
| Noncurrent loans to loans | 8.0644% | 638 |
| Net loans and leases to total assets | 55.5310% | 5,618 |
| Net loans and leases to deposits | 87.4326% | 2,092 |
| Net loans and leases to core deposits | 93.0066% | 2,660 |
| Total domestic deposits to total assets | 63.5129% | 7,530 |
| Equity capital to assets | 10.8595% | 3,100 |
| Core capital (leverage) ratio | 9.4712% | 3,945 |
| Tier 1 risk-based capital ratio | 13.7115% | 4,046 |
| Total risk-based capital ratio | 15.0002% | 3,973 |
| Memoranda: | ||
| Average total assets | $286,280,500 | 2,270 |
| Average earning assets | $251,727,750 | 2,357 |
| Average equity | $29,963,750 | 2,202 |
| Average total loans | $164,562,500 | 2,594 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4374% | 2,813 |
| Cost of funding earning assets | 1.8764% | 1,318 |
| Net interest margin | 3.5611% | 4,994 |
| Noninterest income to average assets | 0.9714% | 1,454 |
| Noninterest expense to average assets | 3.3769% | 2,325 |
| Loan and lease loss provision to assets | 1.0751% | 1,340 |
| Net operating income to assets | -0.3165% | 6,494 |
| Return on assets (ROA) | -0.2345% | 6,437 |
| Pretax return on assets | -0.2609% | 6,384 |
| Return on Equity (ROE) | -2.2683% | 6,445 |
| Retained earnings to average equity (ytd only) | -5.6338% | 6,626 |
| Net charge-offs to loans | 1.9119% | 969 |
| Credit loss provision to net charge-offs | 97.2922% | 4,201 |
| Earnings coverage of net charge-offs (x) | 0.6543% | 5,089 |
| Efficiency ratio | 81.9925% | 2,168 |
| Assets per employee ($millions) | 3.5293% | 4,843 |
| Cash dividends to net income (ytd only)* | -148.3680% | 7,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 3,022 |
| Loan loss allowance to noncurrent loans | 19.4026% | 6,974 |
| Noncurrent assets plus other real estate owned to assets | 7.1419% | 732 |
| Noncurrent loans to loans | 8.8324% | 542 |
| Net loans and leases to total assets | 56.8159% | 5,580 |
| Net loans and leases to deposits | 84.3883% | 2,801 |
| Net loans and leases to core deposits | 91.0438% | 3,117 |
| Total domestic deposits to total assets | 67.3267% | 7,459 |
| Equity capital to assets | 10.3688% | 3,561 |
| Core capital (leverage) ratio | 9.1593% | 4,361 |
| Tier 1 risk-based capital ratio | 12.9462% | 4,495 |
| Total risk-based capital ratio | 14.2251% | 4,429 |
| Memoranda: | ||
| Average total assets | $287,427,330 | 2,278 |
| Average earning assets | $252,509,670 | 2,369 |
| Average equity | $29,713,330 | 2,207 |
| Average total loans | $166,116,330 | 2,608 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 2,319 |
| Cost of funding earning assets | 1.9209% | 1,370 |
| Net interest margin | 3.6396% | 4,541 |
| Noninterest income to average assets | 0.9715% | 1,386 |
| Noninterest expense to average assets | 3.2727% | 2,624 |
| Loan and lease loss provision to assets | 1.0409% | 1,186 |
| Net operating income to assets | -0.0908% | 6,424 |
| Return on assets (ROA) | -0.0375% | 6,442 |
| Pretax return on assets | -0.0611% | 6,420 |
| Return on Equity (ROE) | -0.3630% | 6,452 |
| Retained earnings to average equity (ytd only) | -0.3630% | 5,913 |
| Net charge-offs to loans | 0.5572% | 2,411 |
| Credit loss provision to net charge-offs | 323.2759% | 1,224 |
| Earnings coverage of net charge-offs (x) | 2.7845% | 3,157 |
| Efficiency ratio | 78.1292% | 2,871 |
| Assets per employee ($millions) | 3.3550% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0480% | 2,068 |
| Loan loss allowance to noncurrent loans | 28.0218% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 6.1295% | 963 |
| Noncurrent loans to loans | 7.3085% | 798 |
| Net loans and leases to total assets | 56.9227% | 5,623 |
| Net loans and leases to deposits | 86.7607% | 2,461 |
| Net loans and leases to core deposits | 91.4737% | 3,172 |
| Total domestic deposits to total assets | 65.6088% | 7,628 |
| Equity capital to assets | 10.4408% | 3,305 |
| Core capital (leverage) ratio | 9.3989% | 3,905 |
| Tier 1 risk-based capital ratio | 13.3500% | 4,091 |
| Total risk-based capital ratio | 14.6309% | 4,024 |
| Memoranda: | ||
| Average total assets | $288,203,000 | 2,326 |
| Average earning assets | $253,212,500 | 2,412 |
| Average equity | $29,749,000 | 2,234 |
| Average total loans | $166,547,000 | 2,666 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1172% | 1,470 |
| Cost of funding earning assets | 2.2604% | 1,802 |
| Net interest margin | 3.8568% | 3,451 |
| Noninterest income to average assets | 1.2149% | 1,040 |
| Noninterest expense to average assets | 3.1400% | 3,584 |
| Loan and lease loss provision to assets | 0.6266% | 3,302 |
| Net operating income to assets | 0.8314% | 2,410 |
| Return on assets (ROA) | 0.8828% | 2,302 |
| Pretax return on assets | 0.9067% | 2,903 |
| Return on Equity (ROE) | 9.2300% | 1,948 |
| Retained earnings to average equity (ytd only) | 5.0686% | 1,784 |
| Net charge-offs to loans | 0.3874% | 4,270 |
| Credit loss provision to net charge-offs | 280.4281% | 1,213 |
| Earnings coverage of net charge-offs (x) | 6.6254% | 2,324 |
| Efficiency ratio | 67.6723% | 5,066 |
| Assets per employee ($millions) | 3.2003% | 5,721 |
| Cash dividends to net income (ytd only)* | 45.0851% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7184% | 2,839 |
| Loan loss allowance to noncurrent loans | 39.7347% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 4.4041% | 1,473 |
| Noncurrent loans to loans | 4.3246% | 1,664 |
| Net loans and leases to total assets | 56.4825% | 5,891 |
| Net loans and leases to deposits | 87.8519% | 2,583 |
| Net loans and leases to core deposits | 106.3846% | 3,292 |
| Total domestic deposits to total assets | 64.2929% | 7,702 |
| Equity capital to assets | 10.2061% | 3,503 |
| Core capital (leverage) ratio | 9.3852% | 3,848 |
| Tier 1 risk-based capital ratio | 12.6324% | 4,416 |
| Total risk-based capital ratio | 13.8833% | 4,354 |
| Memoranda: | ||
| Average total assets | $292,704,400 | 2,266 |
| Average earning assets | $258,452,600 | 2,340 |
| Average equity | $27,995,800 | 2,371 |
| Average total loans | $168,836,600 | 2,636 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1509% | 1,489 |
| Cost of funding earning assets | 2.2852% | 2,042 |
| Net interest margin | 3.8657% | 3,363 |
| Noninterest income to average assets | 1.1978% | 1,077 |
| Noninterest expense to average assets | 3.1736% | 3,387 |
| Loan and lease loss provision to assets | 0.7384% | 2,530 |
| Net operating income to assets | 0.6770% | 3,289 |
| Return on assets (ROA) | 0.7443% | 3,099 |
| Pretax return on assets | 0.7720% | 3,619 |
| Return on Equity (ROE) | 7.9135% | 2,677 |
| Retained earnings to average equity (ytd only) | 3.7294% | 3,202 |
| Net charge-offs to loans | 0.2947% | 4,182 |
| Credit loss provision to net charge-offs | 433.9572% | 917 |
| Earnings coverage of net charge-offs (x) | 8.4653% | 2,239 |
| Efficiency ratio | 68.4973% | 4,883 |
| Assets per employee ($millions) | 3.0289% | 6,086 |
| Cash dividends to net income (ytd only)* | 52.8726% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 2,373 |
| Loan loss allowance to noncurrent loans | 141.3148% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 2.6663% | 2,613 |
| Noncurrent loans to loans | 1.2546% | 4,844 |
| Net loans and leases to total assets | 56.7039% | 6,068 |
| Net loans and leases to deposits | 87.9779% | 2,965 |
| Net loans and leases to core deposits | 105.3113% | 3,782 |
| Total domestic deposits to total assets | 64.4524% | 7,750 |
| Equity capital to assets | 10.0169% | 4,065 |
| Core capital (leverage) ratio | 9.0528% | 4,574 |
| Tier 1 risk-based capital ratio | 12.4472% | 4,586 |
| Total risk-based capital ratio | 13.6987% | 4,538 |
| Memoranda: | ||
| Average total assets | $293,073,500 | 2,279 |
| Average earning assets | $258,989,250 | 2,349 |
| Average equity | $27,564,000 | 2,430 |
| Average total loans | $169,203,500 | 2,660 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1554% | 1,606 |
| Cost of funding earning assets | 2.2833% | 2,435 |
| Net interest margin | 3.8721% | 3,238 |
| Noninterest income to average assets | 1.2562% | 973 |
| Noninterest expense to average assets | 3.1765% | 3,408 |
| Loan and lease loss provision to assets | 0.4070% | 3,483 |
| Net operating income to assets | 1.0541% | 1,935 |
| Return on assets (ROA) | 1.0541% | 2,006 |
| Pretax return on assets | 1.1029% | 2,628 |
| Return on Equity (ROE) | 11.4499% | 1,571 |
| Retained earnings to average equity (ytd only) | 6.9186% | 1,614 |
| Net charge-offs to loans | -0.1046% | 7,956 |
| Credit loss provision to net charge-offs | -674.1573% | 7,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4917% | 5,254 |
| Assets per employee ($millions) | 3.0424% | 6,020 |
| Cash dividends to net income (ytd only)* | 39.5753% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 3,729 |
| Loan loss allowance to noncurrent loans | 168.4322% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 2.4392% | 2,646 |
| Noncurrent loans to loans | 0.8306% | 5,566 |
| Net loans and leases to total assets | 57.5532% | 6,030 |
| Net loans and leases to deposits | 88.3789% | 3,113 |
| Net loans and leases to core deposits | 106.1300% | 3,828 |
| Total domestic deposits to total assets | 65.1210% | 7,787 |
| Equity capital to assets | 9.4783% | 4,641 |
| Core capital (leverage) ratio | 8.9629% | 4,694 |
| Tier 1 risk-based capital ratio | 12.2052% | 4,746 |
| Total risk-based capital ratio | 13.2994% | 4,796 |
| Memoranda: | ||
| Average total assets | $294,850,000 | 2,289 |
| Average earning assets | $261,201,670 | 2,342 |
| Average equity | $27,144,330 | 2,463 |
| Average total loans | $170,235,670 | 2,680 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1157% | 1,891 |
| Cost of funding earning assets | 2.3025% | 2,689 |
| Net interest margin | 3.8132% | 3,396 |
| Noninterest income to average assets | 1.0383% | 1,379 |
| Noninterest expense to average assets | 3.0529% | 3,551 |
| Loan and lease loss provision to assets | 0.4051% | 2,895 |
| Net operating income to assets | 0.9357% | 2,561 |
| Return on assets (ROA) | 0.9357% | 2,690 |
| Pretax return on assets | 0.9749% | 3,446 |
| Return on Equity (ROE) | 10.3144% | 2,191 |
| Retained earnings to average equity (ytd only) | 10.3144% | 1,117 |
| Net charge-offs to loans | 0.0894% | 4,276 |
| Credit loss provision to net charge-offs | 789.4737% | 759 |
| Earnings coverage of net charge-offs (x) | 26.8947% | 1,160 |
| Efficiency ratio | 68.5653% | 4,856 |
| Assets per employee ($millions) | 3.2474% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 5,089 |
| Loan loss allowance to noncurrent loans | 108.8382% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 2.5358% | 2,261 |
| Noncurrent loans to loans | 1.0609% | 4,862 |
| Net loans and leases to total assets | 56.1018% | 6,224 |
| Net loans and leases to deposits | 85.2705% | 3,763 |
| Net loans and leases to core deposits | 101.2572% | 4,416 |
| Total domestic deposits to total assets | 65.7927% | 7,746 |
| Equity capital to assets | 9.3104% | 4,925 |
| Core capital (leverage) ratio | 8.7923% | 5,004 |
| Tier 1 risk-based capital ratio | 12.3035% | 4,705 |
| Total risk-based capital ratio | 13.2178% | 4,886 |
| Memoranda: | ||
| Average total assets | $296,241,500 | 2,294 |
| Average earning assets | $263,715,000 | 2,333 |
| Average equity | $26,875,000 | 2,501 |
| Average total loans | $170,114,000 | 2,698 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6697% | 2,157 |
| Cost of funding earning assets | 2.9113% | 2,218 |
| Net interest margin | 3.7584% | 4,190 |
| Noninterest income to average assets | 1.0282% | 1,495 |
| Noninterest expense to average assets | 3.0585% | 3,864 |
| Loan and lease loss provision to assets | 0.6319% | 2,299 |
| Net operating income to assets | 0.6286% | 4,192 |
| Return on assets (ROA) | 0.6825% | 3,808 |
| Pretax return on assets | 0.7089% | 4,367 |
| Return on Equity (ROE) | 7.6309% | 3,223 |
| Retained earnings to average equity (ytd only) | 0.7776% | 4,758 |
| Net charge-offs to loans | 1.2706% | 940 |
| Credit loss provision to net charge-offs | 83.5967% | 5,818 |
| Earnings coverage of net charge-offs (x) | 1.6993% | 5,228 |
| Efficiency ratio | 69.8479% | 4,382 |
| Assets per employee ($millions) | 3.1583% | 5,600 |
| Cash dividends to net income (ytd only)* | 89.8096% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 6,114 |
| Loan loss allowance to noncurrent loans | 38.5630% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 3.4043% | 1,312 |
| Noncurrent loans to loans | 2.5771% | 2,103 |
| Net loans and leases to total assets | 57.5250% | 6,269 |
| Net loans and leases to deposits | 86.8048% | 3,990 |
| Net loans and leases to core deposits | 108.0030% | 3,968 |
| Total domestic deposits to total assets | 66.2695% | 7,643 |
| Equity capital to assets | 8.8295% | 5,605 |
| Core capital (leverage) ratio | 8.8800% | 4,926 |
| Tier 1 risk-based capital ratio | 12.0773% | 4,760 |
| Total risk-based capital ratio | 12.8760% | 5,022 |
| Memoranda: | ||
| Average total assets | $284,683,200 | 2,288 |
| Average earning assets | $251,091,200 | 2,364 |
| Average equity | $25,462,200 | 2,604 |
| Average total loans | $169,367,600 | 2,623 |