Home > Citizens Bank & Trust Company > Performance and Condition Ratios
Citizens Bank & Trust Company, Performance and Condition Ratios
| 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 | 3.2163% | 7,205 |
| Cost of funding earning assets | 0.5096% | 6,661 |
| Net interest margin | 2.7067% | 6,986 |
| Noninterest income to average assets | 0.7462% | 2,335 |
| Noninterest expense to average assets | 2.4528% | 5,619 |
| Loan and lease loss provision to assets | 0.0121% | 6,284 |
| Net operating income to assets | 0.5536% | 4,306 |
| Return on assets (ROA) | 0.7776% | 3,430 |
| Pretax return on assets | 0.9468% | 3,597 |
| Return on Equity (ROE) | 7.4218% | 3,316 |
| Retained earnings to average equity (ytd only) | 4.0917% | 3,816 |
| Net charge-offs to loans | 0.0470% | 5,517 |
| Credit loss provision to net charge-offs | 46.8750% | 5,105 |
| Earnings coverage of net charge-offs (x) | 26.5910% | 1,013 |
| Efficiency ratio | 78.1515% | 2,528 |
| Assets per employee ($millions) | 2.7133% | 6,633 |
| Cash dividends to net income (ytd only)* | 44.8707% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 6,509 |
| Loan loss allowance to noncurrent loans | 223.2000% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 6,056 |
| Noncurrent loans to loans | 0.4175% | 6,004 |
| Net loans and leases to total assets | 51.2364% | 5,549 |
| Net loans and leases to deposits | 59.3545% | 5,714 |
| Net loans and leases to core deposits | 63.5748% | 5,668 |
| Total domestic deposits to total assets | 86.3226% | 3,028 |
| Equity capital to assets | 12.4951% | 1,916 |
| Core capital (leverage) ratio | 8.1543% | 6,197 |
| Tier 1 risk-based capital ratio | 12.5984% | 5,404 |
| Total risk-based capital ratio | 13.3781% | 5,789 |
| Memoranda: | ||
| Average total assets | $165,464,000 | 3,582 |
| Average earning assets | $146,249,750 | 3,658 |
| Average equity | $17,335,750 | 3,535 |
| Average total loans | $90,705,250 | 3,875 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4426% | 7,423 |
| Cost of funding earning assets | 0.3897% | 7,150 |
| Net interest margin | 2.0529% | 7,357 |
| Noninterest income to average assets | 0.5444% | 3,516 |
| Noninterest expense to average assets | 2.0229% | 6,742 |
| Loan and lease loss provision to assets | 0.0184% | 6,059 |
| Net operating income to assets | 0.2906% | 5,403 |
| Return on assets (ROA) | 0.6489% | 3,930 |
| Pretax return on assets | 0.7521% | 4,205 |
| Return on Equity (ROE) | 6.6492% | 3,616 |
| Retained earnings to average equity (ytd only) | 1.1963% | 5,378 |
| Net charge-offs to loans | 0.0418% | 5,271 |
| Credit loss provision to net charge-offs | 78.9474% | 3,804 |
| Earnings coverage of net charge-offs (x) | 15.1579% | 1,424 |
| Efficiency ratio | 85.1086% | 1,691 |
| Assets per employee ($millions) | 2.6913% | 6,652 |
| Cash dividends to net income (ytd only)* | 82.0076% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 6,601 |
| Loan loss allowance to noncurrent loans | 112.4339% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 6,018 |
| Noncurrent loans to loans | 0.8183% | 5,293 |
| Net loans and leases to total assets | 53.1470% | 5,406 |
| Net loans and leases to deposits | 61.2769% | 5,581 |
| Net loans and leases to core deposits | 65.8748% | 5,531 |
| Total domestic deposits to total assets | 86.7325% | 2,897 |
| Equity capital to assets | 12.2195% | 1,952 |
| Core capital (leverage) ratio | 8.3611% | 5,769 |
| Tier 1 risk-based capital ratio | 12.0398% | 5,759 |
| Total risk-based capital ratio | 12.8356% | 6,094 |
| Memoranda: | ||
| Average total assets | $162,734,670 | 3,637 |
| Average earning assets | $145,256,330 | 3,705 |
| Average equity | $15,881,670 | 3,751 |
| Average total loans | $91,003,670 | 3,921 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9610% | 3,288 |
| Cost of funding earning assets | 0.8064% | 5,542 |
| Net interest margin | 4.1546% | 2,064 |
| Noninterest income to average assets | 0.9773% | 1,397 |
| Noninterest expense to average assets | 3.6587% | 1,634 |
| Loan and lease loss provision to assets | 0.0380% | 5,516 |
| Net operating income to assets | 1.0508% | 1,997 |
| Return on assets (ROA) | 1.0508% | 2,051 |
| Pretax return on assets | 1.0508% | 2,942 |
| Return on Equity (ROE) | 12.4821% | 1,330 |
| Retained earnings to average equity (ytd only) | -0.5414% | 5,894 |
| Net charge-offs to loans | 0.0354% | 4,604 |
| Credit loss provision to net charge-offs | 187.5000% | 1,564 |
| Earnings coverage of net charge-offs (x) | 53.7500% | 546 |
| Efficiency ratio | 77.0667% | 2,975 |
| Assets per employee ($millions) | 2.5210% | 6,963 |
| Cash dividends to net income (ytd only)* | 104.3373% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 6,551 |
| Loan loss allowance to noncurrent loans | 114.4947% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 6,025 |
| Noncurrent loans to loans | 0.8285% | 5,376 |
| Net loans and leases to total assets | 55.7219% | 5,044 |
| Net loans and leases to deposits | 61.3918% | 5,581 |
| Net loans and leases to core deposits | 66.0554% | 5,501 |
| Total domestic deposits to total assets | 90.7645% | 730 |
| Equity capital to assets | 8.2433% | 6,236 |
| Core capital (leverage) ratio | 7.9144% | 6,346 |
| Tier 1 risk-based capital ratio | 11.8841% | 5,796 |
| Total risk-based capital ratio | 12.6988% | 6,127 |
| Memoranda: | ||
| Average total assets | $157,981,500 | 3,739 |
| Average earning assets | $143,359,000 | 3,764 |
| Average equity | $13,299,000 | 4,269 |
| Average total loans | $90,310,000 | 3,972 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1822% | 3,690 |
| Cost of funding earning assets | 0.9439% | 5,960 |
| Net interest margin | 4.2383% | 2,032 |
| Noninterest income to average assets | 1.0579% | 1,339 |
| Noninterest expense to average assets | 3.6785% | 1,755 |
| Loan and lease loss provision to assets | 0.1565% | 5,639 |
| Net operating income to assets | 1.0449% | 1,890 |
| Return on assets (ROA) | 1.0449% | 1,990 |
| Pretax return on assets | 1.0449% | 2,792 |
| Return on Equity (ROE) | 12.6947% | 1,165 |
| Retained earnings to average equity (ytd only) | 8.7722% | 762 |
| Net charge-offs to loans | 0.0242% | 6,570 |
| Credit loss provision to net charge-offs | 1,200.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 92.1000% | 258 |
| Efficiency ratio | 75.3809% | 3,135 |
| Assets per employee ($millions) | 2.4159% | 7,116 |
| Cash dividends to net income (ytd only)* | 30.8989% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 6,578 |
| Loan loss allowance to noncurrent loans | 151.9573% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 6,262 |
| Noncurrent loans to loans | 0.6255% | 5,798 |
| Net loans and leases to total assets | 57.5615% | 5,097 |
| Net loans and leases to deposits | 63.7858% | 5,652 |
| Net loans and leases to core deposits | 68.9230% | 5,564 |
| Total domestic deposits to total assets | 90.2418% | 960 |
| Equity capital to assets | 8.6005% | 5,724 |
| Core capital (leverage) ratio | 8.0577% | 6,102 |
| Tier 1 risk-based capital ratio | 12.1706% | 5,314 |
| Total risk-based capital ratio | 12.9970% | 5,696 |
| Memoranda: | ||
| Average total assets | $153,323,400 | 3,820 |
| Average earning assets | $138,262,000 | 3,851 |
| Average equity | $12,619,400 | 4,454 |
| Average total loans | $82,518,000 | 4,260 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1811% | 3,933 |
| Cost of funding earning assets | 0.9838% | 6,019 |
| Net interest margin | 4.1973% | 2,228 |
| Noninterest income to average assets | 1.0396% | 1,341 |
| Noninterest expense to average assets | 3.5816% | 1,833 |
| Loan and lease loss provision to assets | 0.1830% | 5,214 |
| Net operating income to assets | 1.0562% | 2,049 |
| Return on assets (ROA) | 1.0562% | 2,156 |
| Pretax return on assets | 1.0562% | 2,979 |
| Return on Equity (ROE) | 12.9799% | 1,255 |
| Retained earnings to average equity (ytd only) | 8.9638% | 1,068 |
| Net charge-offs to loans | 0.0248% | 6,327 |
| Credit loss provision to net charge-offs | 1,400.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 94.7975% | 328 |
| Efficiency ratio | 74.2950% | 3,270 |
| Assets per employee ($millions) | 2.4033% | 7,196 |
| Cash dividends to net income (ytd only)* | 30.9407% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 6,542 |
| Loan loss allowance to noncurrent loans | 87.5396% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 5,819 |
| Noncurrent loans to loans | 1.0958% | 5,049 |
| Net loans and leases to total assets | 55.6502% | 5,603 |
| Net loans and leases to deposits | 61.7818% | 6,138 |
| Net loans and leases to core deposits | 66.5255% | 6,083 |
| Total domestic deposits to total assets | 90.0754% | 839 |
| Equity capital to assets | 8.8207% | 5,821 |
| Core capital (leverage) ratio | 7.8608% | 6,510 |
| Tier 1 risk-based capital ratio | 12.2432% | 5,229 |
| Total risk-based capital ratio | 13.0679% | 5,601 |
| Memoranda: | ||
| Average total assets | $152,999,500 | 3,878 |
| Average earning assets | $137,831,000 | 3,908 |
| Average equity | $12,449,750 | 4,563 |
| Average total loans | $80,683,750 | 4,394 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 4,089 |
| Cost of funding earning assets | 1.0425% | 5,955 |
| Net interest margin | 4.1290% | 2,433 |
| Noninterest income to average assets | 1.0136% | 1,343 |
| Noninterest expense to average assets | 3.5501% | 1,912 |
| Loan and lease loss provision to assets | 0.1571% | 5,324 |
| Net operating income to assets | 1.0149% | 2,141 |
| Return on assets (ROA) | 1.0149% | 2,212 |
| Pretax return on assets | 1.0149% | 3,063 |
| Return on Equity (ROE) | 12.8340% | 1,280 |
| Retained earnings to average equity (ytd only) | 8.5781% | 1,238 |
| Net charge-offs to loans | 0.0203% | 6,056 |
| Credit loss provision to net charge-offs | 1,500.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 111.8750% | 299 |
| Efficiency ratio | 75.1803% | 3,227 |
| Assets per employee ($millions) | 2.4176% | 7,207 |
| Cash dividends to net income (ytd only)* | 33.1613% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 6,698 |
| Loan loss allowance to noncurrent loans | 74.1551% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 5,855 |
| Noncurrent loans to loans | 1.2378% | 4,904 |
| Net loans and leases to total assets | 52.0458% | 6,205 |
| Net loans and leases to deposits | 57.4492% | 6,618 |
| Net loans and leases to core deposits | 61.5442% | 6,584 |
| Total domestic deposits to total assets | 90.5945% | 646 |
| Equity capital to assets | 8.3617% | 6,343 |
| Core capital (leverage) ratio | 7.6546% | 6,669 |
| Tier 1 risk-based capital ratio | 12.5214% | 4,841 |
| Total risk-based capital ratio | 13.3006% | 5,233 |
| Memoranda: | ||
| Average total assets | $152,729,670 | 3,907 |
| Average earning assets | $137,176,330 | 3,952 |
| Average equity | $12,077,330 | 4,659 |
| Average total loans | $78,770,330 | 4,479 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1092% | 4,487 |
| Cost of funding earning assets | 1.1580% | 5,616 |
| Net interest margin | 3.9513% | 3,094 |
| Noninterest income to average assets | 0.9807% | 1,362 |
| Noninterest expense to average assets | 3.4825% | 2,028 |
| Loan and lease loss provision to assets | 0.1186% | 5,409 |
| Net operating income to assets | 0.9148% | 2,490 |
| Return on assets (ROA) | 0.9148% | 2,558 |
| Pretax return on assets | 0.9148% | 3,413 |
| Return on Equity (ROE) | 11.9172% | 1,522 |
| Retained earnings to average equity (ytd only) | 6.1475% | 2,554 |
| Net charge-offs to loans | 0.0155% | 5,364 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 130.6667% | 252 |
| Efficiency ratio | 77.1162% | 3,043 |
| Assets per employee ($millions) | 2.4619% | 7,250 |
| Cash dividends to net income (ytd only)* | 48.4150% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 6,965 |
| Loan loss allowance to noncurrent loans | 103.3639% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 6,411 |
| Noncurrent loans to loans | 0.8306% | 5,652 |
| Net loans and leases to total assets | 49.5468% | 6,520 |
| Net loans and leases to deposits | 54.1625% | 6,905 |
| Net loans and leases to core deposits | 58.0572% | 6,877 |
| Total domestic deposits to total assets | 91.4782% | 381 |
| Equity capital to assets | 7.5768% | 7,012 |
| Core capital (leverage) ratio | 7.4842% | 6,871 |
| Tier 1 risk-based capital ratio | 12.2806% | 4,914 |
| Total risk-based capital ratio | 12.9932% | 5,398 |
| Memoranda: | ||
| Average total assets | $151,730,000 | 3,986 |
| Average earning assets | $135,754,500 | 4,044 |
| Average equity | $11,647,000 | 4,804 |
| Average total loans | $77,517,500 | 4,589 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6642% | 3,279 |
| Cost of funding earning assets | 1.5215% | 5,431 |
| Net interest margin | 4.1427% | 2,274 |
| Noninterest income to average assets | 1.2267% | 1,006 |
| Noninterest expense to average assets | 3.9031% | 1,506 |
| Loan and lease loss provision to assets | 0.1118% | 6,526 |
| Net operating income to assets | 0.9068% | 2,154 |
| Return on assets (ROA) | 0.9068% | 2,217 |
| Pretax return on assets | 0.9068% | 2,902 |
| Return on Equity (ROE) | 10.7539% | 1,486 |
| Retained earnings to average equity (ytd only) | 7.0687% | 942 |
| Net charge-offs to loans | 0.1193% | 5,983 |
| Credit loss provision to net charge-offs | 170.5882% | 2,499 |
| Earnings coverage of net charge-offs (x) | 15.5412% | 1,301 |
| Efficiency ratio | 79.3044% | 2,990 |
| Assets per employee ($millions) | 2.2797% | 7,493 |
| Cash dividends to net income (ytd only)* | 34.2687% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 7,043 |
| Loan loss allowance to noncurrent loans | 254.6185% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 7,054 |
| Noncurrent loans to loans | 0.3264% | 6,624 |
| Net loans and leases to total assets | 51.8568% | 6,438 |
| Net loans and leases to deposits | 56.9074% | 6,857 |
| Net loans and leases to core deposits | 78.6869% | 6,204 |
| Total domestic deposits to total assets | 91.1247% | 487 |
| Equity capital to assets | 7.7834% | 6,785 |
| Core capital (leverage) ratio | 7.6541% | 6,608 |
| Tier 1 risk-based capital ratio | 12.2260% | 4,746 |
| Total risk-based capital ratio | 12.9325% | 5,175 |
| Memoranda: | ||
| Average total assets | $129,693,200 | 4,340 |
| Average earning assets | $115,673,800 | 4,404 |
| Average equity | $10,935,600 | 5,038 |
| Average total loans | $71,248,600 | 4,823 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7490% | 3,103 |
| Cost of funding earning assets | 1.5767% | 5,508 |
| Net interest margin | 4.1724% | 2,148 |
| Noninterest income to average assets | 1.2289% | 1,017 |
| Noninterest expense to average assets | 3.9657% | 1,326 |
| Loan and lease loss provision to assets | 0.0955% | 6,411 |
| Net operating income to assets | 0.8914% | 2,448 |
| Return on assets (ROA) | 0.8914% | 2,527 |
| Pretax return on assets | 0.8914% | 3,257 |
| Return on Equity (ROE) | 10.3409% | 1,804 |
| Retained earnings to average equity (ytd only) | 10.3409% | 572 |
| Net charge-offs to loans | 0.0857% | 5,828 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 20.6662% | 1,229 |
| Efficiency ratio | 80.0729% | 2,828 |
| Assets per employee ($millions) | 2.1251% | 7,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 6,994 |
| Loan loss allowance to noncurrent loans | 291.9811% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 7,039 |
| Noncurrent loans to loans | 0.2875% | 6,792 |
| Net loans and leases to total assets | 53.7624% | 6,411 |
| Net loans and leases to deposits | 59.3884% | 6,875 |
| Net loans and leases to core deposits | 81.4170% | 6,242 |
| Total domestic deposits to total assets | 90.5267% | 578 |
| Equity capital to assets | 8.2755% | 6,536 |
| Core capital (leverage) ratio | 8.0542% | 6,263 |
| Tier 1 risk-based capital ratio | 12.4185% | 4,610 |
| Total risk-based capital ratio | 13.1351% | 5,011 |
| Memoranda: | ||
| Average total assets | $125,641,500 | 4,457 |
| Average earning assets | $112,132,000 | 4,533 |
| Average equity | $10,830,500 | 5,104 |
| Average total loans | $69,987,500 | 4,914 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8033% | 3,027 |
| Cost of funding earning assets | 1.6500% | 5,512 |
| Net interest margin | 4.1533% | 2,148 |
| Noninterest income to average assets | 1.2162% | 1,048 |
| Noninterest expense to average assets | 4.0168% | 1,290 |
| Loan and lease loss provision to assets | 0.0982% | 6,192 |
| Net operating income to assets | 0.8135% | 2,804 |
| Return on assets (ROA) | 0.8135% | 2,899 |
| Pretax return on assets | 0.8135% | 3,625 |
| Return on Equity (ROE) | 9.2993% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.2993% | 859 |
| Net charge-offs to loans | 0.0262% | 6,110 |
| Credit loss provision to net charge-offs | 666.6667% | 697 |
| Earnings coverage of net charge-offs (x) | 61.8889% | 579 |
| Efficiency ratio | 81.5012% | 2,796 |
| Assets per employee ($millions) | 2.2034% | 7,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 6,812 |
| Loan loss allowance to noncurrent loans | 183.2845% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 6,690 |
| Noncurrent loans to loans | 0.4862% | 6,311 |
| Net loans and leases to total assets | 54.3878% | 6,397 |
| Net loans and leases to deposits | 60.1232% | 6,879 |
| Net loans and leases to core deposits | 79.8250% | 6,425 |
| Total domestic deposits to total assets | 90.4607% | 644 |
| Equity capital to assets | 8.5284% | 6,007 |
| Core capital (leverage) ratio | 8.4023% | 5,611 |
| Tier 1 risk-based capital ratio | 12.9348% | 4,197 |
| Total risk-based capital ratio | 13.7083% | 4,477 |
| Memoranda: | ||
| Average total assets | $122,187,330 | 4,576 |
| Average earning assets | $109,214,000 | 4,646 |
| Average equity | $10,689,000 | 5,166 |
| Average total loans | $68,737,330 | 5,007 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8761% | 2,911 |
| Cost of funding earning assets | 1.7475% | 5,366 |
| Net interest margin | 4.1287% | 2,174 |
| Noninterest income to average assets | 1.2364% | 939 |
| Noninterest expense to average assets | 4.0408% | 1,136 |
| Loan and lease loss provision to assets | 0.1005% | 5,681 |
| Net operating income to assets | 0.7840% | 3,195 |
| Return on assets (ROA) | 0.7840% | 3,359 |
| Pretax return on assets | 0.7840% | 4,134 |
| Return on Equity (ROE) | 8.8435% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.8435% | 1,531 |
| Net charge-offs to loans | 0.0059% | 5,605 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 157 |
| Efficiency ratio | 82.0408% | 2,527 |
| Assets per employee ($millions) | 2.1166% | 7,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 6,825 |
| Loan loss allowance to noncurrent loans | 156.6234% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 6,575 |
| Noncurrent loans to loans | 0.5627% | 6,005 |
| Net loans and leases to total assets | 55.2415% | 6,332 |
| Net loans and leases to deposits | 61.1062% | 6,803 |
| Net loans and leases to core deposits | 77.9841% | 6,538 |
| Total domestic deposits to total assets | 90.4025% | 639 |
| Equity capital to assets | 8.6852% | 5,789 |
| Core capital (leverage) ratio | 9.7085% | 3,746 |
| Tier 1 risk-based capital ratio | 13.1343% | 4,097 |
| Total risk-based capital ratio | 13.9071% | 4,350 |
| Memoranda: | ||
| Average total assets | $119,382,500 | 4,672 |
| Average earning assets | $106,669,000 | 4,728 |
| Average equity | $10,584,000 | 5,215 |
| Average total loans | $68,040,500 | 5,050 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6207% | 2,382 |
| Cost of funding earning assets | 2.4326% | 4,558 |
| Net interest margin | 4.1881% | 2,359 |
| Noninterest income to average assets | 1.3195% | 838 |
| Noninterest expense to average assets | 4.0488% | 1,344 |
| Loan and lease loss provision to assets | 0.0912% | 6,234 |
| Net operating income to assets | 0.6921% | 3,928 |
| Return on assets (ROA) | 0.6921% | 3,758 |
| Pretax return on assets | 0.8517% | 3,886 |
| Return on Equity (ROE) | 7.6636% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.6636% | 940 |
| Net charge-offs to loans | 0.0785% | 5,641 |
| Credit loss provision to net charge-offs | 200.0000% | 2,433 |
| Earnings coverage of net charge-offs (x) | 20.6800% | 1,564 |
| Efficiency ratio | 81.1107% | 2,428 |
| Assets per employee ($millions) | 2.0001% | 7,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 6,908 |
| Loan loss allowance to noncurrent loans | 146.0560% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 6,248 |
| Noncurrent loans to loans | 0.5808% | 5,629 |
| Net loans and leases to total assets | 57.8334% | 6,223 |
| Net loans and leases to deposits | 64.6454% | 6,739 |
| Net loans and leases to core deposits | 83.2411% | 6,357 |
| Total domestic deposits to total assets | 89.4624% | 863 |
| Equity capital to assets | 9.0566% | 5,292 |
| Core capital (leverage) ratio | 8.6865% | 5,219 |
| Tier 1 risk-based capital ratio | 13.2878% | 3,938 |
| Total risk-based capital ratio | 14.0357% | 4,155 |
| Memoranda: | ||
| Average total assets | $109,660,800 | 4,798 |
| Average earning assets | $96,152,400 | 4,917 |
| Average equity | $9,904,000 | 5,440 |
| Average total loans | $63,659,800 | 5,114 |