Home > Citizens Community Bank > Performance and Condition Ratios
Citizens Community Bank, Performance and Condition Ratios
| 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 | 4.2489% | 4,932 |
| Cost of funding earning assets | 0.6276% | 4,914 |
| Net interest margin | 3.6212% | 4,173 |
| Noninterest income to average assets | 1.1378% | 1,089 |
| Noninterest expense to average assets | 2.3536% | 5,616 |
| Loan and lease loss provision to assets | 0.4942% | 1,231 |
| Net operating income to assets | 1.0785% | 2,174 |
| Return on assets (ROA) | 1.0785% | 2,358 |
| Pretax return on assets | 1.6167% | 1,518 |
| Return on Equity (ROE) | 10.1393% | 2,345 |
| Retained earnings to average equity (ytd only) | 10.1393% | 1,227 |
| Net charge-offs to loans | 0.1672% | 3,085 |
| Credit loss provision to net charge-offs | 661.7647% | 525 |
| Earnings coverage of net charge-offs (x) | 28.2647% | 968 |
| Efficiency ratio | 52.2755% | 6,512 |
| Assets per employee ($millions) | 5.1008% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5981% | 499 |
| Loan loss allowance to noncurrent loans | 219.9229% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 1.1548% | 4,197 |
| Noncurrent loans to loans | 1.6361% | 3,652 |
| Net loans and leases to total assets | 41.6334% | 6,227 |
| Net loans and leases to deposits | 64.6680% | 4,544 |
| Net loans and leases to core deposits | 108.2859% | 599 |
| Total domestic deposits to total assets | 64.3803% | 7,135 |
| Equity capital to assets | 10.7341% | 3,226 |
| Core capital (leverage) ratio | 7.8089% | 6,408 |
| Tier 1 risk-based capital ratio | 12.8665% | 5,306 |
| Total risk-based capital ratio | 14.1344% | 5,274 |
| Memoranda: | ||
| Average total assets | $364,205,000 | 1,815 |
| Average earning assets | $334,584,500 | 1,805 |
| Average equity | $38,740,500 | 1,794 |
| Average total loans | $162,693,500 | 2,440 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 4,327 |
| Cost of funding earning assets | 0.7311% | 5,330 |
| Net interest margin | 3.9499% | 3,103 |
| Noninterest income to average assets | 1.1416% | 1,006 |
| Noninterest expense to average assets | 2.4604% | 5,597 |
| Loan and lease loss provision to assets | 0.3991% | 2,600 |
| Net operating income to assets | 1.2827% | 1,288 |
| Return on assets (ROA) | 1.1493% | 1,782 |
| Pretax return on assets | 1.6761% | 1,045 |
| Return on Equity (ROE) | 10.3730% | 1,932 |
| Retained earnings to average equity (ytd only) | 5.6631% | 2,200 |
| Net charge-offs to loans | 0.9009% | 1,926 |
| Credit loss provision to net charge-offs | 88.0759% | 4,097 |
| Earnings coverage of net charge-offs (x) | 5.0068% | 2,920 |
| Efficiency ratio | 51.5417% | 6,736 |
| Assets per employee ($millions) | 5.1593% | 1,992 |
| Cash dividends to net income (ytd only)* | 45.4060% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1929% | 686 |
| Loan loss allowance to noncurrent loans | 170.3455% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.3341% | 4,001 |
| Noncurrent loans to loans | 1.8744% | 3,377 |
| Net loans and leases to total assets | 44.7050% | 6,142 |
| Net loans and leases to deposits | 67.7476% | 4,476 |
| Net loans and leases to core deposits | 112.6593% | 548 |
| Total domestic deposits to total assets | 65.9875% | 7,130 |
| Equity capital to assets | 10.5383% | 3,488 |
| Core capital (leverage) ratio | 7.6497% | 6,566 |
| Tier 1 risk-based capital ratio | 12.5791% | 5,386 |
| Total risk-based capital ratio | 13.8452% | 5,365 |
| Memoranda: | ||
| Average total assets | $325,765,600 | 1,978 |
| Average earning assets | $295,856,400 | 1,980 |
| Average equity | $36,093,600 | 1,882 |
| Average total loans | $163,834,600 | 2,441 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 4,081 |
| Cost of funding earning assets | 0.7534% | 5,450 |
| Net interest margin | 4.0335% | 2,764 |
| Noninterest income to average assets | 1.1229% | 1,045 |
| Noninterest expense to average assets | 2.4969% | 5,474 |
| Loan and lease loss provision to assets | 0.4628% | 2,141 |
| Net operating income to assets | 1.2473% | 1,527 |
| Return on assets (ROA) | 1.0644% | 2,231 |
| Pretax return on assets | 1.5490% | 1,521 |
| Return on Equity (ROE) | 9.4748% | 2,402 |
| Retained earnings to average equity (ytd only) | 4.7000% | 3,375 |
| Net charge-offs to loans | 1.0856% | 1,468 |
| Credit loss provision to net charge-offs | 82.8313% | 4,044 |
| Earnings coverage of net charge-offs (x) | 4.0753% | 3,190 |
| Efficiency ratio | 51.7934% | 6,697 |
| Assets per employee ($millions) | 4.9255% | 2,288 |
| Cash dividends to net income (ytd only)* | 50.3953% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2008% | 723 |
| Loan loss allowance to noncurrent loans | 130.2297% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 1.5413% | 3,780 |
| Noncurrent loans to loans | 2.4578% | 2,817 |
| Net loans and leases to total assets | 46.2513% | 6,122 |
| Net loans and leases to deposits | 70.2485% | 4,258 |
| Net loans and leases to core deposits | 112.9282% | 579 |
| Total domestic deposits to total assets | 65.8395% | 7,203 |
| Equity capital to assets | 10.8886% | 3,249 |
| Core capital (leverage) ratio | 7.9427% | 6,446 |
| Tier 1 risk-based capital ratio | 12.4909% | 5,489 |
| Total risk-based capital ratio | 13.7571% | 5,477 |
| Memoranda: | ||
| Average total assets | $316,919,500 | 2,030 |
| Average earning assets | $286,860,500 | 2,053 |
| Average equity | $35,602,250 | 1,898 |
| Average total loans | $163,099,000 | 2,468 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 3,843 |
| Cost of funding earning assets | 0.7479% | 5,684 |
| Net interest margin | 4.1073% | 2,383 |
| Noninterest income to average assets | 1.1416% | 991 |
| Noninterest expense to average assets | 2.5836% | 5,246 |
| Loan and lease loss provision to assets | 0.5851% | 1,653 |
| Net operating income to assets | 1.1412% | 1,752 |
| Return on assets (ROA) | 0.8627% | 2,900 |
| Pretax return on assets | 1.2658% | 2,252 |
| Return on Equity (ROE) | 7.5925% | 3,144 |
| Retained earnings to average equity (ytd only) | 2.7292% | 4,550 |
| Net charge-offs to loans | 1.3005% | 1,179 |
| Credit loss provision to net charge-offs | 85.1466% | 3,613 |
| Earnings coverage of net charge-offs (x) | 3.2895% | 3,226 |
| Efficiency ratio | 52.7983% | 6,733 |
| Assets per employee ($millions) | 4.6503% | 2,613 |
| Cash dividends to net income (ytd only)* | 64.0543% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3255% | 689 |
| Loan loss allowance to noncurrent loans | 145.2964% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 1.6691% | 3,675 |
| Noncurrent loans to loans | 2.2887% | 3,118 |
| Net loans and leases to total assets | 49.1289% | 5,930 |
| Net loans and leases to deposits | 65.3712% | 5,091 |
| Net loans and leases to core deposits | 107.9881% | 819 |
| Total domestic deposits to total assets | 75.1538% | 6,706 |
| Equity capital to assets | 11.4192% | 2,579 |
| Core capital (leverage) ratio | 8.1217% | 6,134 |
| Tier 1 risk-based capital ratio | 12.2191% | 5,588 |
| Total risk-based capital ratio | 13.4863% | 5,561 |
| Memoranda: | ||
| Average total assets | $307,631,330 | 2,098 |
| Average earning assets | $277,314,330 | 2,124 |
| Average equity | $34,955,670 | 1,911 |
| Average total loans | $162,552,000 | 2,501 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 3,928 |
| Cost of funding earning assets | 0.7564% | 5,823 |
| Net interest margin | 4.0694% | 2,394 |
| Noninterest income to average assets | 1.1499% | 983 |
| Noninterest expense to average assets | 2.6874% | 4,891 |
| Loan and lease loss provision to assets | 0.9231% | 860 |
| Net operating income to assets | 0.7793% | 3,125 |
| Return on assets (ROA) | 0.7793% | 3,197 |
| Pretax return on assets | 1.2000% | 2,365 |
| Return on Equity (ROE) | 6.8764% | 3,450 |
| Retained earnings to average equity (ytd only) | 1.9314% | 4,966 |
| Net charge-offs to loans | 1.7128% | 771 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 2.3000% | 3,160 |
| Efficiency ratio | 55.2357% | 6,588 |
| Assets per employee ($millions) | 4.5300% | 2,835 |
| Cash dividends to net income (ytd only)* | 71.9120% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4826% | 615 |
| Loan loss allowance to noncurrent loans | 154.7679% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 1.6931% | 3,713 |
| Noncurrent loans to loans | 2.2502% | 3,256 |
| Net loans and leases to total assets | 48.0861% | 6,066 |
| Net loans and leases to deposits | 66.9039% | 4,844 |
| Net loans and leases to core deposits | 74.9504% | 4,436 |
| Total domestic deposits to total assets | 71.8734% | 7,083 |
| Equity capital to assets | 10.8930% | 2,783 |
| Core capital (leverage) ratio | 8.4178% | 5,595 |
| Tier 1 risk-based capital ratio | 11.7269% | 5,915 |
| Total risk-based capital ratio | 12.9939% | 5,907 |
| Memoranda: | ||
| Average total assets | $303,336,500 | 2,136 |
| Average earning assets | $272,869,000 | 2,177 |
| Average equity | $34,378,500 | 1,926 |
| Average total loans | $163,478,000 | 2,514 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6953% | 1,584 |
| Cost of funding earning assets | 1.0038% | 5,666 |
| Net interest margin | 4.6915% | 833 |
| Noninterest income to average assets | 1.5156% | 633 |
| Noninterest expense to average assets | 3.1262% | 3,362 |
| Loan and lease loss provision to assets | 0.7510% | 2,184 |
| Net operating income to assets | 1.1567% | 1,521 |
| Return on assets (ROA) | 1.1904% | 1,514 |
| Pretax return on assets | 1.8288% | 718 |
| Return on Equity (ROE) | 9.5357% | 2,098 |
| Retained earnings to average equity (ytd only) | 5.7004% | 1,990 |
| Net charge-offs to loans | 0.8060% | 2,617 |
| Credit loss provision to net charge-offs | 146.5201% | 2,510 |
| Earnings coverage of net charge-offs (x) | 4.9319% | 2,763 |
| Efficiency ratio | 54.6722% | 6,747 |
| Assets per employee ($millions) | 4.0785% | 3,623 |
| Cash dividends to net income (ytd only)* | 40.2208% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2556% | 703 |
| Loan loss allowance to noncurrent loans | 111.4691% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 2.3424% | 2,926 |
| Noncurrent loans to loans | 2.9206% | 2,613 |
| Net loans and leases to total assets | 56.4528% | 5,264 |
| Net loans and leases to deposits | 78.7915% | 3,367 |
| Net loans and leases to core deposits | 113.4522% | 748 |
| Total domestic deposits to total assets | 71.6484% | 7,113 |
| Equity capital to assets | 11.8158% | 2,031 |
| Core capital (leverage) ratio | 8.8611% | 4,764 |
| Tier 1 risk-based capital ratio | 11.8527% | 5,613 |
| Total risk-based capital ratio | 13.1204% | 5,587 |
| Memoranda: | ||
| Average total assets | $266,301,000 | 2,390 |
| Average earning assets | $234,911,800 | 2,481 |
| Average equity | $33,243,400 | 1,990 |
| Average total loans | $169,349,000 | 2,481 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8625% | 1,225 |
| Cost of funding earning assets | 1.0422% | 5,731 |
| Net interest margin | 4.8203% | 651 |
| Noninterest income to average assets | 1.3897% | 703 |
| Noninterest expense to average assets | 3.0722% | 3,462 |
| Loan and lease loss provision to assets | 0.9725% | 1,538 |
| Net operating income to assets | 1.0341% | 2,128 |
| Return on assets (ROA) | 1.0800% | 2,076 |
| Pretax return on assets | 1.6533% | 1,209 |
| Return on Equity (ROE) | 8.5249% | 2,679 |
| Retained earnings to average equity (ytd only) | 5.0907% | 2,919 |
| Net charge-offs to loans | 0.6020% | 2,932 |
| Credit loss provision to net charge-offs | 248.3660% | 1,347 |
| Earnings coverage of net charge-offs (x) | 6.5255% | 2,502 |
| Efficiency ratio | 53.9385% | 6,795 |
| Assets per employee ($millions) | 3.8831% | 4,070 |
| Cash dividends to net income (ytd only)* | 40.2846% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4500% | 561 |
| Loan loss allowance to noncurrent loans | 136.0154% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 2.2118% | 3,181 |
| Noncurrent loans to loans | 2.5365% | 3,086 |
| Net loans and leases to total assets | 61.7835% | 4,576 |
| Net loans and leases to deposits | 81.6146% | 3,170 |
| Net loans and leases to core deposits | 115.3030% | 776 |
| Total domestic deposits to total assets | 75.7016% | 6,705 |
| Equity capital to assets | 12.4284% | 1,892 |
| Core capital (leverage) ratio | 9.4741% | 3,939 |
| Tier 1 risk-based capital ratio | 11.5399% | 5,891 |
| Total risk-based capital ratio | 12.8107% | 5,859 |
| Memoranda: | ||
| Average total assets | $260,483,500 | 2,481 |
| Average earning assets | $228,999,500 | 2,574 |
| Average equity | $33,000,500 | 2,017 |
| Average total loans | $169,443,250 | 2,521 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0257% | 886 |
| Cost of funding earning assets | 1.0443% | 5,949 |
| Net interest margin | 4.9814% | 437 |
| Noninterest income to average assets | 1.5504% | 531 |
| Noninterest expense to average assets | 3.1094% | 3,275 |
| Loan and lease loss provision to assets | 1.1687% | 1,214 |
| Net operating income to assets | 1.0689% | 1,950 |
| Return on assets (ROA) | 1.0689% | 2,025 |
| Pretax return on assets | 1.6353% | 1,203 |
| Return on Equity (ROE) | 8.3813% | 2,721 |
| Retained earnings to average equity (ytd only) | 5.7850% | 2,453 |
| Net charge-offs to loans | 0.2930% | 3,860 |
| Credit loss provision to net charge-offs | 609.7561% | 599 |
| Earnings coverage of net charge-offs (x) | 14.6301% | 1,508 |
| Efficiency ratio | 51.9368% | 7,076 |
| Assets per employee ($millions) | 3.9326% | 3,903 |
| Cash dividends to net income (ytd only)* | 30.9767% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6341% | 498 |
| Loan loss allowance to noncurrent loans | 280.7339% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 1.4575% | 4,277 |
| Noncurrent loans to loans | 1.2945% | 4,793 |
| Net loans and leases to total assets | 59.8065% | 5,099 |
| Net loans and leases to deposits | 76.2339% | 4,290 |
| Net loans and leases to core deposits | 113.4256% | 949 |
| Total domestic deposits to total assets | 78.4512% | 6,163 |
| Equity capital to assets | 12.3102% | 1,924 |
| Core capital (leverage) ratio | 9.1548% | 4,369 |
| Tier 1 risk-based capital ratio | 11.4378% | 5,838 |
| Total risk-based capital ratio | 12.7096% | 5,785 |
| Memoranda: | ||
| Average total assets | $256,704,670 | 2,540 |
| Average earning assets | $224,835,670 | 2,626 |
| Average equity | $32,739,670 | 2,026 |
| Average total loans | $167,944,000 | 2,583 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1045% | 771 |
| Cost of funding earning assets | 1.0795% | 5,994 |
| Net interest margin | 5.0249% | 398 |
| Noninterest income to average assets | 1.3153% | 696 |
| Noninterest expense to average assets | 3.0909% | 3,306 |
| Loan and lease loss provision to assets | 1.2030% | 1,013 |
| Net operating income to assets | 0.9271% | 2,441 |
| Return on assets (ROA) | 0.9271% | 2,505 |
| Pretax return on assets | 1.4115% | 1,739 |
| Return on Equity (ROE) | 7.1342% | 3,278 |
| Retained earnings to average equity (ytd only) | 7.1342% | 2,077 |
| Net charge-offs to loans | 0.1479% | 4,043 |
| Credit loss provision to net charge-offs | 1,209.6774% | 405 |
| Earnings coverage of net charge-offs (x) | 26.2903% | 963 |
| Efficiency ratio | 53.4158% | 7,028 |
| Assets per employee ($millions) | 3.6649% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2791% | 649 |
| Loan loss allowance to noncurrent loans | 358.3226% | 872 |
| Noncurrent assets plus other real estate owned to assets | 1.4177% | 4,383 |
| Noncurrent loans to loans | 0.9151% | 5,486 |
| Net loans and leases to total assets | 63.8572% | 4,360 |
| Net loans and leases to deposits | 92.9978% | 1,475 |
| Net loans and leases to core deposits | 119.2845% | 811 |
| Total domestic deposits to total assets | 68.6653% | 7,492 |
| Equity capital to assets | 12.8032% | 1,599 |
| Core capital (leverage) ratio | 9.6372% | 3,589 |
| Tier 1 risk-based capital ratio | 11.2842% | 5,870 |
| Total risk-based capital ratio | 12.5525% | 5,819 |
| Memoranda: | ||
| Average total assets | $249,381,000 | 2,660 |
| Average earning assets | $217,873,500 | 2,764 |
| Average equity | $32,407,500 | 2,071 |
| Average total loans | $167,713,000 | 2,646 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5751% | 575 |
| Cost of funding earning assets | 1.2792% | 6,379 |
| Net interest margin | 5.2959% | 244 |
| Noninterest income to average assets | 1.5170% | 625 |
| Noninterest expense to average assets | 3.3177% | 2,956 |
| Loan and lease loss provision to assets | 1.1888% | 1,936 |
| Net operating income to assets | 1.0347% | 1,722 |
| Return on assets (ROA) | 1.0347% | 1,766 |
| Pretax return on assets | 1.6002% | 967 |
| Return on Equity (ROE) | 7.9784% | 2,381 |
| Retained earnings to average equity (ytd only) | 7.9784% | 704 |
| Net charge-offs to loans | 0.3906% | 4,258 |
| Credit loss provision to net charge-offs | 427.4809% | 731 |
| Earnings coverage of net charge-offs (x) | 10.0290% | 1,730 |
| Efficiency ratio | 53.5563% | 7,270 |
| Assets per employee ($millions) | 3.4602% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9305% | 825 |
| Loan loss allowance to noncurrent loans | 259.7971% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 1.3967% | 4,325 |
| Noncurrent loans to loans | 1.1280% | 5,078 |
| Net loans and leases to total assets | 66.5451% | 4,025 |
| Net loans and leases to deposits | 100.8888% | 837 |
| Net loans and leases to core deposits | 148.6434% | 544 |
| Total domestic deposits to total assets | 65.9589% | 7,642 |
| Equity capital to assets | 13.1986% | 1,434 |
| Core capital (leverage) ratio | 9.6245% | 3,557 |
| Tier 1 risk-based capital ratio | 11.3214% | 5,599 |
| Total risk-based capital ratio | 12.5866% | 5,523 |
| Memoranda: | ||
| Average total assets | $235,527,200 | 2,760 |
| Average earning assets | $204,119,000 | 2,918 |
| Average equity | $30,544,800 | 2,195 |
| Average total loans | $167,695,600 | 2,654 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4933% | 755 |
| Cost of funding earning assets | 1.3405% | 6,427 |
| Net interest margin | 5.1528% | 327 |
| Noninterest income to average assets | 1.5246% | 638 |
| Noninterest expense to average assets | 3.3062% | 2,896 |
| Loan and lease loss provision to assets | 1.0690% | 1,817 |
| Net operating income to assets | 1.0416% | 1,929 |
| Return on assets (ROA) | 1.0416% | 1,989 |
| Pretax return on assets | 1.6135% | 1,149 |
| Return on Equity (ROE) | 8.0690% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.0690% | 1,117 |
| Net charge-offs to loans | 0.4219% | 3,575 |
| Credit loss provision to net charge-offs | 352.4436% | 1,164 |
| Earnings coverage of net charge-offs (x) | 8.8439% | 2,188 |
| Efficiency ratio | 54.4078% | 7,196 |
| Assets per employee ($millions) | 3.6016% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3534% | 1,229 |
| Loan loss allowance to noncurrent loans | 261.6474% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 1.4025% | 4,297 |
| Noncurrent loans to loans | 0.8995% | 5,485 |
| Net loans and leases to total assets | 68.8831% | 3,750 |
| Net loans and leases to deposits | 107.0906% | 603 |
| Net loans and leases to core deposits | 152.3580% | 528 |
| Total domestic deposits to total assets | 64.3223% | 7,756 |
| Equity capital to assets | 13.1513% | 1,639 |
| Core capital (leverage) ratio | 9.2687% | 4,233 |
| Tier 1 risk-based capital ratio | 10.8050% | 6,151 |
| Total risk-based capital ratio | 12.0648% | 6,101 |
| Memoranda: | ||
| Average total assets | $233,855,000 | 2,794 |
| Average earning assets | $202,603,250 | 2,954 |
| Average equity | $30,188,750 | 2,242 |
| Average total loans | $168,107,250 | 2,674 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4119% | 983 |
| Cost of funding earning assets | 1.4184% | 6,423 |
| Net interest margin | 4.9935% | 433 |
| Noninterest income to average assets | 1.4972% | 657 |
| Noninterest expense to average assets | 3.2168% | 3,285 |
| Loan and lease loss provision to assets | 0.9558% | 1,771 |
| Net operating income to assets | 1.0410% | 1,971 |
| Return on assets (ROA) | 1.0410% | 2,046 |
| Pretax return on assets | 1.6379% | 1,133 |
| Return on Equity (ROE) | 8.1178% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.1178% | 1,174 |
| Net charge-offs to loans | 0.2089% | 4,208 |
| Credit loss provision to net charge-offs | 632.1839% | 738 |
| Earnings coverage of net charge-offs (x) | 17.1552% | 1,494 |
| Efficiency ratio | 54.4938% | 7,280 |
| Assets per employee ($millions) | 3.6492% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1521% | 1,311 |
| Loan loss allowance to noncurrent loans | 193.9394% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 1.8471% | 3,405 |
| Noncurrent loans to loans | 1.1097% | 5,000 |
| Net loans and leases to total assets | 67.8371% | 4,176 |
| Net loans and leases to deposits | 107.4878% | 676 |
| Net loans and leases to core deposits | 146.4047% | 741 |
| Total domestic deposits to total assets | 63.1115% | 7,864 |
| Equity capital to assets | 12.3474% | 2,007 |
| Core capital (leverage) ratio | 9.3165% | 4,145 |
| Tier 1 risk-based capital ratio | 10.7984% | 6,082 |
| Total risk-based capital ratio | 12.0564% | 6,014 |
| Memoranda: | ||
| Average total assets | $230,169,330 | 2,859 |
| Average earning assets | $198,818,670 | 3,017 |
| Average equity | $29,515,330 | 2,304 |
| Average total loans | $166,553,330 | 2,721 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3969% | 1,069 |
| Cost of funding earning assets | 1.4953% | 6,414 |
| Net interest margin | 4.9016% | 499 |
| Noninterest income to average assets | 1.4726% | 649 |
| Noninterest expense to average assets | 3.1156% | 3,319 |
| Loan and lease loss provision to assets | 0.8968% | 1,459 |
| Net operating income to assets | 1.0780% | 2,039 |
| Return on assets (ROA) | 1.0780% | 2,170 |
| Pretax return on assets | 1.7112% | 1,155 |
| Return on Equity (ROE) | 8.2389% | 3,045 |
| Retained earnings to average equity (ytd only) | 8.2389% | 1,731 |
| Net charge-offs to loans | 0.2835% | 2,979 |
| Credit loss provision to net charge-offs | 427.3504% | 1,245 |
| Earnings coverage of net charge-offs (x) | 12.4274% | 1,805 |
| Efficiency ratio | 53.4629% | 7,272 |
| Assets per employee ($millions) | 3.4549% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 1,744 |
| Loan loss allowance to noncurrent loans | 228.4768% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 1.1814% | 4,306 |
| Noncurrent loans to loans | 0.8088% | 5,417 |
| Net loans and leases to total assets | 72.3228% | 3,168 |
| Net loans and leases to deposits | 119.9409% | 291 |
| Net loans and leases to core deposits | 158.7895% | 510 |
| Total domestic deposits to total assets | 60.2987% | 7,961 |
| Equity capital to assets | 12.8262% | 1,820 |
| Core capital (leverage) ratio | 9.5453% | 3,929 |
| Tier 1 risk-based capital ratio | 10.7248% | 6,162 |
| Total risk-based capital ratio | 11.9797% | 6,065 |
| Memoranda: | ||
| Average total assets | $223,006,000 | 2,957 |
| Average earning assets | $193,405,000 | 3,107 |
| Average equity | $29,178,500 | 2,336 |
| Average total loans | $165,076,500 | 2,767 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0244% | 1,066 |
| Cost of funding earning assets | 2.4547% | 4,449 |
| Net interest margin | 4.5696% | 1,251 |
| Noninterest income to average assets | 1.2729% | 910 |
| Noninterest expense to average assets | 3.2288% | 3,228 |
| Loan and lease loss provision to assets | 0.3725% | 3,448 |
| Net operating income to assets | 1.0698% | 2,258 |
| Return on assets (ROA) | 1.0698% | 2,171 |
| Pretax return on assets | 1.6122% | 1,351 |
| Return on Equity (ROE) | 7.6869% | 3,202 |
| Retained earnings to average equity (ytd only) | 6.6163% | 1,289 |
| Net charge-offs to loans | 0.2072% | 4,131 |
| Credit loss provision to net charge-offs | 248.3444% | 1,877 |
| Earnings coverage of net charge-offs (x) | 13.2318% | 2,152 |
| Efficiency ratio | 60.7031% | 6,221 |
| Assets per employee ($millions) | 3.4601% | 4,776 |
| Cash dividends to net income (ytd only)* | 13.9276% | 4,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6789% | 1,971 |
| Loan loss allowance to noncurrent loans | 260.2294% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 1.0863% | 4,117 |
| Noncurrent loans to loans | 0.6451% | 5,433 |
| Net loans and leases to total assets | 73.1291% | 3,330 |
| Net loans and leases to deposits | 117.2406% | 469 |
| Net loans and leases to core deposits | 148.9637% | 888 |
| Total domestic deposits to total assets | 62.3753% | 7,867 |
| Equity capital to assets | 13.3540% | 1,651 |
| Core capital (leverage) ratio | 9.4580% | 4,075 |
| Tier 1 risk-based capital ratio | 10.8432% | 5,865 |
| Total risk-based capital ratio | 12.0963% | 5,776 |
| Memoranda: | ||
| Average total assets | $201,344,600 | 3,117 |
| Average earning assets | $173,624,200 | 3,274 |
| Average equity | $28,021,800 | 2,410 |
| Average total loans | $145,728,400 | 2,995 |