Home > Citizens Bank of Blythedale > Performance and Condition Ratios
Citizens Bank of Blythedale, 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 | 5.1847% | 1,229 |
| Cost of funding earning assets | 0.9084% | 2,115 |
| Net interest margin | 4.2763% | 1,541 |
| Noninterest income to average assets | 0.5414% | 3,663 |
| Noninterest expense to average assets | 3.1795% | 2,635 |
| Loan and lease loss provision to assets | 0.1710% | 3,417 |
| Net operating income to assets | 1.2539% | 1,567 |
| Return on assets (ROA) | 1.2539% | 1,728 |
| Pretax return on assets | 1.2539% | 2,776 |
| Return on Equity (ROE) | 10.9473% | 1,977 |
| Retained earnings to average equity (ytd only) | 6.1134% | 2,623 |
| Net charge-offs to loans | 0.0315% | 5,201 |
| Credit loss provision to net charge-offs | 840.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 69.9640% | 585 |
| Efficiency ratio | 69.0539% | 3,870 |
| Assets per employee ($millions) | 2.1165% | 6,958 |
| Cash dividends to net income (ytd only)* | 44.1557% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 3,766 |
| Loan loss allowance to noncurrent loans | 334.0206% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 5,470 |
| Noncurrent loans to loans | 0.4614% | 5,524 |
| Net loans and leases to total assets | 65.1936% | 2,801 |
| Net loans and leases to deposits | 75.6000% | 3,040 |
| Net loans and leases to core deposits | 76.5195% | 3,669 |
| Total domestic deposits to total assets | 86.2349% | 3,129 |
| Equity capital to assets | 12.1397% | 2,157 |
| Core capital (leverage) ratio | 10.9730% | 2,416 |
| Tier 1 risk-based capital ratio | 15.3325% | 3,629 |
| Total risk-based capital ratio | 16.5845% | 3,584 |
| Memoranda: | ||
| Average total assets | $32,751,000 | 6,776 |
| Average earning assets | $31,116,500 | 6,717 |
| Average equity | $3,751,250 | 6,706 |
| Average total loans | $21,162,750 | 6,457 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2010% | 1,249 |
| Cost of funding earning assets | 0.9253% | 2,224 |
| Net interest margin | 4.2757% | 1,531 |
| Noninterest income to average assets | 0.5259% | 3,747 |
| Noninterest expense to average assets | 3.0104% | 3,221 |
| Loan and lease loss provision to assets | 0.2539% | 2,543 |
| Net operating income to assets | 1.3117% | 1,411 |
| Return on assets (ROA) | 1.3117% | 1,559 |
| Pretax return on assets | 1.3117% | 2,513 |
| Return on Equity (ROE) | 11.6761% | 1,777 |
| Retained earnings to average equity (ytd only) | 6.0264% | 2,700 |
| Net charge-offs to loans | 0.0566% | 4,622 |
| Credit loss provision to net charge-offs | 700.0000% | 455 |
| Earnings coverage of net charge-offs (x) | 43.1667% | 825 |
| Efficiency ratio | 65.7860% | 4,569 |
| Assets per employee ($millions) | 2.2130% | 6,965 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 3,927 |
| Loan loss allowance to noncurrent loans | 547.4576% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 5,886 |
| Noncurrent loans to loans | 0.2774% | 6,017 |
| Net loans and leases to total assets | 63.1059% | 3,213 |
| Net loans and leases to deposits | 72.7109% | 3,496 |
| Net loans and leases to core deposits | 74.2021% | 4,002 |
| Total domestic deposits to total assets | 86.7902% | 2,896 |
| Equity capital to assets | 11.3662% | 2,724 |
| Core capital (leverage) ratio | 10.5301% | 2,772 |
| Tier 1 risk-based capital ratio | 14.7150% | 3,956 |
| Total risk-based capital ratio | 15.9664% | 3,914 |
| Memoranda: | ||
| Average total assets | $33,085,670 | 6,808 |
| Average earning assets | $31,340,000 | 6,759 |
| Average equity | $3,717,000 | 6,753 |
| Average total loans | $21,210,000 | 6,504 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2834% | 1,133 |
| Cost of funding earning assets | 0.9618% | 2,224 |
| Net interest margin | 4.3216% | 1,401 |
| Noninterest income to average assets | 0.5692% | 3,431 |
| Noninterest expense to average assets | 2.9548% | 3,430 |
| Loan and lease loss provision to assets | 0.5086% | 1,187 |
| Net operating income to assets | 1.1868% | 1,782 |
| Return on assets (ROA) | 1.1868% | 1,958 |
| Pretax return on assets | 1.1868% | 2,960 |
| Return on Equity (ROE) | 10.6262% | 2,176 |
| Retained earnings to average equity (ytd only) | 8.5660% | 1,750 |
| Net charge-offs to loans | 0.1322% | 3,314 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,201 |
| Efficiency ratio | 63.5417% | 5,012 |
| Assets per employee ($millions) | 2.2494% | 7,022 |
| Cash dividends to net income (ytd only)* | 19.3878% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 4,058 |
| Loan loss allowance to noncurrent loans | 536.6667% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 5,995 |
| Noncurrent loans to loans | 0.2836% | 6,111 |
| Net loans and leases to total assets | 61.7468% | 3,304 |
| Net loans and leases to deposits | 71.5970% | 3,494 |
| Net loans and leases to core deposits | 78.5240% | 3,254 |
| Total domestic deposits to total assets | 86.2423% | 3,390 |
| Equity capital to assets | 11.0489% | 2,848 |
| Core capital (leverage) ratio | 10.3910% | 2,885 |
| Tier 1 risk-based capital ratio | 14.4397% | 4,154 |
| Total risk-based capital ratio | 15.6872% | 4,121 |
| Memoranda: | ||
| Average total assets | $33,031,000 | 6,866 |
| Average earning assets | $31,192,000 | 6,814 |
| Average equity | $3,689,000 | 6,802 |
| Average total loans | $21,179,500 | 6,547 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5586% | 1,038 |
| Cost of funding earning assets | 1.2282% | 1,848 |
| Net interest margin | 4.3305% | 1,603 |
| Noninterest income to average assets | 0.5585% | 3,443 |
| Noninterest expense to average assets | 3.0048% | 3,572 |
| Loan and lease loss provision to assets | 0.6981% | 1,466 |
| Net operating income to assets | 0.9864% | 2,250 |
| Return on assets (ROA) | 0.9864% | 2,393 |
| Pretax return on assets | 0.9864% | 3,287 |
| Return on Equity (ROE) | 9.3947% | 2,286 |
| Retained earnings to average equity (ytd only) | 3.6133% | 3,640 |
| Net charge-offs to loans | 0.6670% | 2,487 |
| Credit loss provision to net charge-offs | 157.5342% | 1,772 |
| Earnings coverage of net charge-offs (x) | 3.8014% | 3,381 |
| Efficiency ratio | 64.0777% | 5,113 |
| Assets per employee ($millions) | 2.1547% | 7,097 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,650 |
| Loan loss allowance to noncurrent loans | 503.5088% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 6,030 |
| Noncurrent loans to loans | 0.2688% | 6,187 |
| Net loans and leases to total assets | 64.7133% | 3,041 |
| Net loans and leases to deposits | 75.3675% | 3,283 |
| Net loans and leases to core deposits | 77.1523% | 3,802 |
| Total domestic deposits to total assets | 85.8637% | 3,393 |
| Equity capital to assets | 11.2930% | 2,700 |
| Core capital (leverage) ratio | 10.5119% | 2,721 |
| Tier 1 risk-based capital ratio | 14.0930% | 4,260 |
| Total risk-based capital ratio | 15.2808% | 4,261 |
| Memoranda: | ||
| Average total assets | $32,947,400 | 6,894 |
| Average earning assets | $31,428,600 | 6,825 |
| Average equity | $3,459,400 | 6,889 |
| Average total loans | $21,888,200 | 6,564 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6050% | 1,024 |
| Cost of funding earning assets | 1.2798% | 1,819 |
| Net interest margin | 4.3252% | 1,627 |
| Noninterest income to average assets | 0.5639% | 3,416 |
| Noninterest expense to average assets | 3.0368% | 3,415 |
| Loan and lease loss provision to assets | 0.7532% | 1,263 |
| Net operating income to assets | 0.8982% | 2,744 |
| Return on assets (ROA) | 0.8982% | 2,893 |
| Pretax return on assets | 0.8982% | 3,772 |
| Return on Equity (ROE) | 8.7149% | 2,736 |
| Retained earnings to average equity (ytd only) | 0.8990% | 5,645 |
| Net charge-offs to loans | 0.8945% | 1,789 |
| Credit loss provision to net charge-offs | 126.3514% | 2,535 |
| Earnings coverage of net charge-offs (x) | 2.7702% | 3,745 |
| Efficiency ratio | 64.7766% | 4,940 |
| Assets per employee ($millions) | 2.1686% | 7,162 |
| Cash dividends to net income (ytd only)* | 89.6849% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 5,716 |
| Loan loss allowance to noncurrent loans | 216.0714% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 5,539 |
| Noncurrent loans to loans | 0.5289% | 5,796 |
| Net loans and leases to total assets | 64.3610% | 3,239 |
| Net loans and leases to deposits | 74.7101% | 3,556 |
| Net loans and leases to core deposits | 80.6440% | 3,542 |
| Total domestic deposits to total assets | 86.1477% | 3,141 |
| Equity capital to assets | 10.9994% | 3,147 |
| Core capital (leverage) ratio | 9.9285% | 3,535 |
| Tier 1 risk-based capital ratio | 13.5680% | 4,689 |
| Total risk-based capital ratio | 14.5621% | 4,845 |
| Memoranda: | ||
| Average total assets | $33,104,000 | 6,951 |
| Average earning assets | $31,566,000 | 6,886 |
| Average equity | $3,411,750 | 6,963 |
| Average total loans | $22,059,500 | 6,616 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6123% | 1,053 |
| Cost of funding earning assets | 1.3339% | 1,738 |
| Net interest margin | 4.2784% | 1,740 |
| Noninterest income to average assets | 0.6067% | 3,086 |
| Noninterest expense to average assets | 3.1175% | 3,183 |
| Loan and lease loss provision to assets | 0.5226% | 1,874 |
| Net operating income to assets | 1.0512% | 2,036 |
| Return on assets (ROA) | 1.0512% | 2,130 |
| Pretax return on assets | 1.0512% | 3,038 |
| Return on Equity (ROE) | 10.4281% | 1,972 |
| Retained earnings to average equity (ytd only) | 1.2514% | 5,355 |
| Net charge-offs to loans | 0.2147% | 3,847 |
| Credit loss provision to net charge-offs | 362.5000% | 842 |
| Earnings coverage of net charge-offs (x) | 10.9167% | 1,756 |
| Efficiency ratio | 66.4533% | 4,786 |
| Assets per employee ($millions) | 2.2445% | 7,158 |
| Cash dividends to net income (ytd only)* | 88.0000% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 5,435 |
| Loan loss allowance to noncurrent loans | 61.4319% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3603% | 4,190 |
| Noncurrent loans to loans | 1.9957% | 3,484 |
| Net loans and leases to total assets | 63.6539% | 3,541 |
| Net loans and leases to deposits | 73.2433% | 3,910 |
| Net loans and leases to core deposits | 75.6718% | 4,358 |
| Total domestic deposits to total assets | 86.9074% | 2,796 |
| Equity capital to assets | 10.3154% | 3,730 |
| Core capital (leverage) ratio | 9.8014% | 3,519 |
| Tier 1 risk-based capital ratio | 13.3465% | 4,652 |
| Total risk-based capital ratio | 14.4220% | 4,771 |
| Memoranda: | ||
| Average total assets | $33,295,670 | 7,005 |
| Average earning assets | $31,787,330 | 6,942 |
| Average equity | $3,356,330 | 7,025 |
| Average total loans | $22,353,330 | 6,672 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7154% | 852 |
| Cost of funding earning assets | 1.3783% | 1,724 |
| Net interest margin | 4.3371% | 1,450 |
| Noninterest income to average assets | 0.5799% | 3,315 |
| Noninterest expense to average assets | 3.0565% | 3,434 |
| Loan and lease loss provision to assets | 0.8215% | 1,018 |
| Net operating income to assets | 0.8457% | 2,796 |
| Return on assets (ROA) | 0.8457% | 2,855 |
| Pretax return on assets | 0.8457% | 3,719 |
| Return on Equity (ROE) | 8.4900% | 2,697 |
| Retained earnings to average equity (ytd only) | -1.4554% | 6,063 |
| Net charge-offs to loans | 0.4585% | 2,319 |
| Credit loss provision to net charge-offs | 261.5385% | 1,203 |
| Earnings coverage of net charge-offs (x) | 5.3077% | 2,302 |
| Efficiency ratio | 64.7059% | 5,239 |
| Assets per employee ($millions) | 2.2821% | 7,195 |
| Cash dividends to net income (ytd only)* | 117.1429% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 6,113 |
| Loan loss allowance to noncurrent loans | 68.0556% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.2561% | 4,436 |
| Noncurrent loans to loans | 1.5919% | 4,093 |
| Net loans and leases to total assets | 65.3482% | 3,162 |
| Net loans and leases to deposits | 75.3300% | 3,533 |
| Net loans and leases to core deposits | 80.3087% | 3,703 |
| Total domestic deposits to total assets | 86.7492% | 3,091 |
| Equity capital to assets | 9.6167% | 4,293 |
| Core capital (leverage) ratio | 9.5757% | 3,694 |
| Tier 1 risk-based capital ratio | 12.9780% | 4,843 |
| Total risk-based capital ratio | 13.9510% | 5,041 |
| Memoranda: | ||
| Average total assets | $33,109,500 | 7,070 |
| Average earning assets | $31,634,000 | 6,999 |
| Average equity | $3,298,000 | 7,079 |
| Average total loans | $22,681,500 | 6,707 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2606% | 499 |
| Cost of funding earning assets | 1.6092% | 2,016 |
| Net interest margin | 4.6514% | 906 |
| Noninterest income to average assets | 0.6123% | 3,393 |
| Noninterest expense to average assets | 3.1019% | 3,448 |
| Loan and lease loss provision to assets | 0.1927% | 5,303 |
| Net operating income to assets | 1.5479% | 695 |
| Return on assets (ROA) | 1.5479% | 755 |
| Pretax return on assets | 1.6660% | 1,009 |
| Return on Equity (ROE) | 15.2826% | 679 |
| Retained earnings to average equity (ytd only) | 5.4011% | 2,173 |
| Net charge-offs to loans | 0.1329% | 5,578 |
| Credit loss provision to net charge-offs | 206.6667% | 1,497 |
| Earnings coverage of net charge-offs (x) | 19.9333% | 1,036 |
| Efficiency ratio | 62.5313% | 5,624 |
| Assets per employee ($millions) | 2.1325% | 7,347 |
| Cash dividends to net income (ytd only)* | 64.6586% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 6,745 |
| Loan loss allowance to noncurrent loans | 49.7549% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 1.4912% | 4,078 |
| Noncurrent loans to loans | 1.7936% | 3,824 |
| Net loans and leases to total assets | 70.4818% | 2,414 |
| Net loans and leases to deposits | 82.2300% | 2,758 |
| Net loans and leases to core deposits | 84.8098% | 3,481 |
| Total domestic deposits to total assets | 85.7129% | 3,490 |
| Equity capital to assets | 10.3292% | 3,354 |
| Core capital (leverage) ratio | 10.1557% | 2,920 |
| Tier 1 risk-based capital ratio | 12.8870% | 4,698 |
| Total risk-based capital ratio | 13.6846% | 5,063 |
| Memoranda: | ||
| Average total assets | $32,173,400 | 7,140 |
| Average earning assets | $30,076,800 | 7,085 |
| Average equity | $3,258,600 | 7,203 |
| Average total loans | $22,580,000 | 6,790 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2878% | 523 |
| Cost of funding earning assets | 1.6386% | 2,167 |
| Net interest margin | 4.6492% | 943 |
| Noninterest income to average assets | 0.6124% | 3,366 |
| Noninterest expense to average assets | 3.0664% | 3,505 |
| Loan and lease loss provision to assets | 0.0579% | 6,488 |
| Net operating income to assets | 1.6635% | 664 |
| Return on assets (ROA) | 1.6635% | 717 |
| Pretax return on assets | 1.8208% | 891 |
| Return on Equity (ROE) | 16.5060% | 651 |
| Retained earnings to average equity (ytd only) | 3.2846% | 4,135 |
| Net charge-offs to loans | 0.1479% | 5,125 |
| Credit loss provision to net charge-offs | 56.0000% | 5,785 |
| Earnings coverage of net charge-offs (x) | 18.1614% | 1,281 |
| Efficiency ratio | 62.0084% | 5,619 |
| Assets per employee ($millions) | 2.1340% | 7,437 |
| Cash dividends to net income (ytd only)* | 80.0985% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7082% | 7,187 |
| Loan loss allowance to noncurrent loans | 120.3008% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 5,699 |
| Noncurrent loans to loans | 0.5887% | 6,038 |
| Net loans and leases to total assets | 70.0843% | 2,713 |
| Net loans and leases to deposits | 81.8580% | 3,134 |
| Net loans and leases to core deposits | 84.0382% | 3,930 |
| Total domestic deposits to total assets | 85.6170% | 3,284 |
| Equity capital to assets | 10.4092% | 3,630 |
| Core capital (leverage) ratio | 9.9991% | 3,255 |
| Tier 1 risk-based capital ratio | 12.9954% | 4,580 |
| Total risk-based capital ratio | 13.6484% | 5,049 |
| Memoranda: | ||
| Average total assets | $32,220,000 | 7,224 |
| Average earning assets | $30,025,750 | 7,175 |
| Average equity | $3,247,250 | 7,296 |
| Average total loans | $22,538,000 | 6,879 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2896% | 523 |
| Cost of funding earning assets | 1.6808% | 2,219 |
| Net interest margin | 4.6088% | 976 |
| Noninterest income to average assets | 0.6008% | 3,328 |
| Noninterest expense to average assets | 3.0969% | 3,339 |
| Loan and lease loss provision to assets | 0.0248% | 6,691 |
| Net operating income to assets | 1.6662% | 626 |
| Return on assets (ROA) | 1.6662% | 674 |
| Pretax return on assets | 1.7591% | 950 |
| Return on Equity (ROE) | 16.7133% | 607 |
| Retained earnings to average equity (ytd only) | 2.3610% | 4,657 |
| Net charge-offs to loans | 0.1155% | 5,022 |
| Credit loss provision to net charge-offs | 30.7692% | 5,720 |
| Earnings coverage of net charge-offs (x) | 22.1538% | 1,143 |
| Efficiency ratio | 63.4518% | 5,440 |
| Assets per employee ($millions) | 2.1388% | 7,482 |
| Cash dividends to net income (ytd only)* | 85.8736% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7064% | 7,235 |
| Loan loss allowance to noncurrent loans | 71.0526% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.0006% | 5,147 |
| Noncurrent loans to loans | 0.9942% | 5,317 |
| Net loans and leases to total assets | 70.9744% | 2,665 |
| Net loans and leases to deposits | 82.8693% | 3,102 |
| Net loans and leases to core deposits | 85.0674% | 3,985 |
| Total domestic deposits to total assets | 85.6462% | 3,288 |
| Equity capital to assets | 10.1209% | 3,866 |
| Core capital (leverage) ratio | 9.7273% | 3,498 |
| Tier 1 risk-based capital ratio | 12.9019% | 4,525 |
| Total risk-based capital ratio | 13.5671% | 5,005 |
| Memoranda: | ||
| Average total assets | $32,290,000 | 7,275 |
| Average earning assets | $29,986,000 | 7,230 |
| Average equity | $3,219,000 | 7,352 |
| Average total loans | $22,519,330 | 6,938 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0853% | 801 |
| Cost of funding earning assets | 1.7405% | 2,180 |
| Net interest margin | 4.3447% | 1,551 |
| Noninterest income to average assets | 0.5927% | 3,325 |
| Noninterest expense to average assets | 3.0746% | 3,368 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4941% | 902 |
| Return on assets (ROA) | 1.4941% | 976 |
| Pretax return on assets | 1.5558% | 1,377 |
| Return on Equity (ROE) | 15.1014% | 856 |
| Retained earnings to average equity (ytd only) | 0.9984% | 5,414 |
| Net charge-offs to loans | 0.1793% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 12.6000% | 1,555 |
| Efficiency ratio | 66.4000% | 5,031 |
| Assets per employee ($millions) | 2.1687% | 7,570 |
| Cash dividends to net income (ytd only)* | 93.3884% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7117% | 7,319 |
| Loan loss allowance to noncurrent loans | 49.5385% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.0729% | 4,996 |
| Noncurrent loans to loans | 1.4366% | 4,580 |
| Net loans and leases to total assets | 69.0501% | 3,144 |
| Net loans and leases to deposits | 80.7957% | 3,493 |
| Net loans and leases to core deposits | 80.7957% | 4,662 |
| Total domestic deposits to total assets | 85.4626% | 3,432 |
| Equity capital to assets | 9.8094% | 4,095 |
| Core capital (leverage) ratio | 9.4217% | 3,889 |
| Tier 1 risk-based capital ratio | 12.8664% | 4,426 |
| Total risk-based capital ratio | 13.5321% | 4,881 |
| Memoranda: | ||
| Average total assets | $32,394,000 | 7,363 |
| Average earning assets | $30,105,500 | 7,313 |
| Average equity | $3,205,000 | 7,435 |
| Average total loans | $22,313,000 | 7,036 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6475% | 517 |
| Cost of funding earning assets | 2.2858% | 1,711 |
| Net interest margin | 4.3616% | 1,539 |
| Noninterest income to average assets | 0.5896% | 3,710 |
| Noninterest expense to average assets | 3.2719% | 3,120 |
| Loan and lease loss provision to assets | 0.2656% | 5,284 |
| Net operating income to assets | 0.7354% | 2,789 |
| Return on assets (ROA) | 0.7354% | 2,873 |
| Pretax return on assets | 1.0885% | 2,284 |
| Return on Equity (ROE) | 7.3591% | 2,642 |
| Retained earnings to average equity (ytd only) | 7.3591% | 855 |
| Net charge-offs to loans | 0.6871% | 3,128 |
| Credit loss provision to net charge-offs | 55.4054% | 6,688 |
| Earnings coverage of net charge-offs (x) | 2.8243% | 3,678 |
| Efficiency ratio | 70.7283% | 4,489 |
| Assets per employee ($millions) | 2.1505% | 7,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7772% | 7,194 |
| Loan loss allowance to noncurrent loans | 81.4286% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 5,660 |
| Noncurrent loans to loans | 0.9544% | 5,400 |
| Net loans and leases to total assets | 67.6793% | 3,780 |
| Net loans and leases to deposits | 79.4758% | 4,092 |
| Net loans and leases to core deposits | 99.8354% | 4,016 |
| Total domestic deposits to total assets | 85.1572% | 3,480 |
| Equity capital to assets | 9.9789% | 3,787 |
| Core capital (leverage) ratio | 9.7280% | 3,414 |
| Tier 1 risk-based capital ratio | 13.5878% | 3,766 |
| Total risk-based capital ratio | 14.3364% | 4,036 |
| Memoranda: | ||
| Average total assets | $30,869,000 | 7,443 |
| Average earning assets | $28,567,200 | 7,411 |
| Average equity | $3,084,600 | 7,568 |
| Average total loans | $21,540,800 | 7,112 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7011% | 509 |
| Cost of funding earning assets | 2.3576% | 1,777 |
| Net interest margin | 4.3435% | 1,604 |
| Noninterest income to average assets | 0.6028% | 3,678 |
| Noninterest expense to average assets | 3.4641% | 2,376 |
| Loan and lease loss provision to assets | 0.2271% | 5,153 |
| Net operating income to assets | 0.5242% | 3,886 |
| Return on assets (ROA) | 0.5242% | 3,974 |
| Pretax return on assets | 0.9436% | 3,082 |
| Return on Equity (ROE) | 5.2442% | 3,860 |
| Retained earnings to average equity (ytd only) | 5.2442% | 2,347 |
| Net charge-offs to loans | 0.2987% | 4,158 |
| Credit loss provision to net charge-offs | 108.3333% | 4,693 |
| Earnings coverage of net charge-offs (x) | 5.5831% | 2,783 |
| Efficiency ratio | 74.7408% | 3,733 |
| Assets per employee ($millions) | 2.1245% | 7,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 5,773 |
| Loan loss allowance to noncurrent loans | 128.8770% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 5,983 |
| Noncurrent loans to loans | 0.8481% | 5,602 |
| Net loans and leases to total assets | 68.4344% | 3,859 |
| Net loans and leases to deposits | 80.3360% | 4,333 |
| Net loans and leases to core deposits | 102.0687% | 4,149 |
| Total domestic deposits to total assets | 85.1853% | 3,133 |
| Equity capital to assets | 9.8723% | 4,242 |
| Core capital (leverage) ratio | 9.4246% | 4,014 |
| Tier 1 risk-based capital ratio | 13.1357% | 4,096 |
| Total risk-based capital ratio | 14.1924% | 4,160 |
| Memoranda: | ||
| Average total assets | $30,521,750 | 7,520 |
| Average earning assets | $28,333,000 | 7,487 |
| Average equity | $3,051,000 | 7,645 |
| Average total loans | $21,425,250 | 7,179 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7818% | 466 |
| Cost of funding earning assets | 2.3991% | 1,971 |
| Net interest margin | 4.3828% | 1,444 |
| Noninterest income to average assets | 0.5985% | 3,710 |
| Noninterest expense to average assets | 3.5447% | 2,209 |
| Loan and lease loss provision to assets | 0.3458% | 3,852 |
| Net operating income to assets | 0.3990% | 4,514 |
| Return on assets (ROA) | 0.3990% | 4,625 |
| Pretax return on assets | 0.7781% | 3,750 |
| Return on Equity (ROE) | 3.9744% | 4,502 |
| Retained earnings to average equity (ytd only) | 3.9744% | 3,072 |
| Net charge-offs to loans | -0.0094% | 7,599 |
| Credit loss provision to net charge-offs | -5,200.0000% | 7,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9259% | 3,702 |
| Assets per employee ($millions) | 2.0940% | 7,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 3,910 |
| Loan loss allowance to noncurrent loans | 155.9140% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 5,933 |
| Noncurrent loans to loans | 0.8757% | 5,467 |
| Net loans and leases to total assets | 66.6985% | 4,419 |
| Net loans and leases to deposits | 78.4585% | 4,794 |
| Net loans and leases to core deposits | 99.8189% | 4,526 |
| Total domestic deposits to total assets | 85.0111% | 3,256 |
| Equity capital to assets | 9.6753% | 4,388 |
| Core capital (leverage) ratio | 9.3766% | 4,061 |
| Tier 1 risk-based capital ratio | 13.2941% | 3,938 |
| Total risk-based capital ratio | 14.5121% | 3,881 |
| Memoranda: | ||
| Average total assets | $30,073,330 | 7,603 |
| Average earning assets | $27,927,670 | 7,562 |
| Average equity | $3,019,330 | 7,723 |
| Average total loans | $21,217,330 | 7,257 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8917% | 413 |
| Cost of funding earning assets | 2.3604% | 2,461 |
| Net interest margin | 4.5313% | 1,064 |
| Noninterest income to average assets | 0.6393% | 3,278 |
| Noninterest expense to average assets | 3.5232% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9658% | 2,460 |
| Return on assets (ROA) | 0.9658% | 2,584 |
| Pretax return on assets | 1.3467% | 2,129 |
| Return on Equity (ROE) | 9.4368% | 2,559 |
| Retained earnings to average equity (ytd only) | 9.4368% | 1,357 |
| Net charge-offs to loans | 0.2829% | 2,981 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,474 |
| Efficiency ratio | 72.3464% | 4,128 |
| Assets per employee ($millions) | 2.0233% | 7,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 5,857 |
| Loan loss allowance to noncurrent loans | 159.7122% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 6,118 |
| Noncurrent loans to loans | 0.6527% | 5,778 |
| Net loans and leases to total assets | 69.4366% | 3,811 |
| Net loans and leases to deposits | 82.9195% | 4,143 |
| Net loans and leases to core deposits | 101.9595% | 4,350 |
| Total domestic deposits to total assets | 83.7397% | 3,828 |
| Equity capital to assets | 10.0890% | 3,893 |
| Core capital (leverage) ratio | 9.7709% | 3,666 |
| Tier 1 risk-based capital ratio | 13.6911% | 3,745 |
| Total risk-based capital ratio | 14.7224% | 3,804 |
| Memoranda: | ||
| Average total assets | $29,405,000 | 7,671 |
| Average earning assets | $27,453,500 | 7,630 |
| Average equity | $3,009,500 | 7,782 |
| Average total loans | $21,206,000 | 7,296 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1256% | 874 |
| Cost of funding earning assets | 2.7525% | 2,913 |
| Net interest margin | 4.3731% | 1,762 |
| Noninterest income to average assets | 0.6769% | 3,277 |
| Noninterest expense to average assets | 3.8312% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6350% | 4,168 |
| Return on assets (ROA) | 0.6350% | 4,014 |
| Pretax return on assets | 0.9979% | 3,391 |
| Return on Equity (ROE) | 5.5413% | 4,139 |
| Retained earnings to average equity (ytd only) | -11.2045% | 7,173 |
| Net charge-offs to loans | 0.1896% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 3,141 |
| Efficiency ratio | 79.3353% | 2,702 |
| Assets per employee ($millions) | 1.8973% | 7,989 |
| Cash dividends to net income (ytd only)* | 302.1978% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 5,116 |
| Loan loss allowance to noncurrent loans | 52.5499% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 1.5847% | 3,067 |
| Noncurrent loans to loans | 2.1358% | 2,587 |
| Net loans and leases to total assets | 73.3626% | 3,270 |
| Net loans and leases to deposits | 86.9162% | 3,969 |
| Net loans and leases to core deposits | 106.1410% | 4,182 |
| Total domestic deposits to total assets | 84.4062% | 3,125 |
| Equity capital to assets | 10.3900% | 3,626 |
| Core capital (leverage) ratio | 10.0401% | 3,409 |
| Tier 1 risk-based capital ratio | 13.5023% | 3,819 |
| Total risk-based capital ratio | 14.6150% | 3,799 |
| Memoranda: | ||
| Average total assets | $28,659,200 | 7,697 |
| Average earning assets | $27,211,600 | 7,655 |
| Average equity | $3,284,400 | 7,752 |
| Average total loans | $20,566,800 | 7,295 |