Home > Citizens Financial Bank > Performance and Condition Ratios
Citizens Financial 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 | 3.7917% | 4,888 |
| Cost of funding earning assets | 0.4464% | 4,320 |
| Net interest margin | 3.3453% | 4,478 |
| Noninterest income to average assets | 0.8440% | 1,964 |
| Noninterest expense to average assets | 3.1190% | 2,596 |
| Loan and lease loss provision to assets | 0.3953% | 774 |
| Net operating income to assets | 0.2384% | 5,813 |
| Return on assets (ROA) | 0.4204% | 5,305 |
| Pretax return on assets | 0.5258% | 5,281 |
| Return on Equity (ROE) | 4.2696% | 5,088 |
| Retained earnings to average equity (ytd only) | 4.2696% | 3,638 |
| Net charge-offs to loans | 0.6325% | 974 |
| Credit loss provision to net charge-offs | 106.2263% | 2,206 |
| Earnings coverage of net charge-offs (x) | 1.8638% | 4,207 |
| Efficiency ratio | 81.8100% | 1,846 |
| Assets per employee ($millions) | 4.4186% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9092% | 1,976 |
| Loan loss allowance to noncurrent loans | 42.7098% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 4.5052% | 674 |
| Noncurrent loans to loans | 4.4702% | 727 |
| Net loans and leases to total assets | 56.9064% | 4,188 |
| Net loans and leases to deposits | 66.7517% | 4,208 |
| Net loans and leases to core deposits | 67.6838% | 4,553 |
| Total domestic deposits to total assets | 85.2509% | 3,612 |
| Equity capital to assets | 9.9889% | 3,916 |
| Core capital (leverage) ratio | 9.2929% | 4,702 |
| Tier 1 risk-based capital ratio | 14.8735% | 3,831 |
| Total risk-based capital ratio | 16.1301% | 3,782 |
| Memoranda: | ||
| Average total assets | $1,133,739,000 | 584 |
| Average earning assets | $1,006,037,750 | 595 |
| Average equity | $111,640,250 | 639 |
| Average total loans | $666,965,250 | 630 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7653% | 4,944 |
| Cost of funding earning assets | 0.4587% | 4,329 |
| Net interest margin | 3.3066% | 4,554 |
| Noninterest income to average assets | 0.8613% | 1,959 |
| Noninterest expense to average assets | 3.1158% | 2,617 |
| Loan and lease loss provision to assets | 0.2785% | 1,318 |
| Net operating income to assets | 0.3118% | 5,561 |
| Return on assets (ROA) | 0.3587% | 5,546 |
| Pretax return on assets | 0.4809% | 5,436 |
| Return on Equity (ROE) | 3.6603% | 5,352 |
| Retained earnings to average equity (ytd only) | 3.6603% | 3,981 |
| Net charge-offs to loans | 0.3301% | 1,868 |
| Credit loss provision to net charge-offs | 142.7543% | 1,596 |
| Earnings coverage of net charge-offs (x) | 3.5725% | 3,357 |
| Efficiency ratio | 81.7215% | 1,925 |
| Assets per employee ($millions) | 4.3205% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9144% | 2,077 |
| Loan loss allowance to noncurrent loans | 47.4335% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 4.2905% | 779 |
| Noncurrent loans to loans | 4.0360% | 958 |
| Net loans and leases to total assets | 57.3017% | 4,095 |
| Net loans and leases to deposits | 66.9891% | 4,151 |
| Net loans and leases to core deposits | 68.0184% | 4,498 |
| Total domestic deposits to total assets | 85.5389% | 3,622 |
| Equity capital to assets | 9.8340% | 4,142 |
| Core capital (leverage) ratio | 9.0823% | 4,855 |
| Tier 1 risk-based capital ratio | 14.0578% | 4,381 |
| Total risk-based capital ratio | 15.3140% | 4,339 |
| Memoranda: | ||
| Average total assets | $1,139,016,330 | 579 |
| Average earning assets | $1,016,701,670 | 590 |
| Average equity | $111,631,330 | 639 |
| Average total loans | $673,106,000 | 620 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 4,908 |
| Cost of funding earning assets | 0.4779% | 4,296 |
| Net interest margin | 3.2957% | 4,531 |
| Noninterest income to average assets | 1.0314% | 1,394 |
| Noninterest expense to average assets | 3.0515% | 2,831 |
| Loan and lease loss provision to assets | 0.1786% | 2,083 |
| Net operating income to assets | 0.5239% | 4,554 |
| Return on assets (ROA) | 0.5647% | 4,538 |
| Pretax return on assets | 0.7947% | 4,192 |
| Return on Equity (ROE) | 5.7717% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.7717% | 2,801 |
| Net charge-offs to loans | 0.3953% | 1,468 |
| Credit loss provision to net charge-offs | 76.0060% | 2,213 |
| Earnings coverage of net charge-offs (x) | 3.8987% | 2,649 |
| Efficiency ratio | 76.9149% | 2,778 |
| Assets per employee ($millions) | 4.3770% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8084% | 2,590 |
| Loan loss allowance to noncurrent loans | 46.2818% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 4.3320% | 867 |
| Noncurrent loans to loans | 3.9075% | 1,170 |
| Net loans and leases to total assets | 56.9298% | 3,938 |
| Net loans and leases to deposits | 66.5286% | 3,987 |
| Net loans and leases to core deposits | 67.5362% | 4,355 |
| Total domestic deposits to total assets | 85.5719% | 3,758 |
| Equity capital to assets | 9.7991% | 4,418 |
| Core capital (leverage) ratio | 8.9171% | 5,031 |
| Tier 1 risk-based capital ratio | 13.6059% | 4,791 |
| Total risk-based capital ratio | 14.8605% | 4,751 |
| Memoranda: | ||
| Average total assets | $1,142,535,500 | 579 |
| Average earning assets | $1,017,809,000 | 597 |
| Average equity | $111,787,500 | 648 |
| Average total loans | $679,007,500 | 618 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 4,663 |
| Cost of funding earning assets | 0.5925% | 4,418 |
| Net interest margin | 3.5867% | 4,147 |
| Noninterest income to average assets | 0.8702% | 1,956 |
| Noninterest expense to average assets | 3.1845% | 2,666 |
| Loan and lease loss provision to assets | 0.3687% | 1,778 |
| Net operating income to assets | 0.3507% | 5,289 |
| Return on assets (ROA) | 0.4458% | 5,150 |
| Pretax return on assets | 0.6175% | 4,943 |
| Return on Equity (ROE) | 4.8367% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.8367% | 2,821 |
| Net charge-offs to loans | 0.6299% | 1,863 |
| Credit loss provision to net charge-offs | 94.6280% | 3,290 |
| Earnings coverage of net charge-offs (x) | 2.1920% | 4,323 |
| Efficiency ratio | 78.8538% | 2,298 |
| Assets per employee ($millions) | 4.3613% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7580% | 2,729 |
| Loan loss allowance to noncurrent loans | 45.2251% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 4.4180% | 944 |
| Noncurrent loans to loans | 3.8871% | 1,245 |
| Net loans and leases to total assets | 59.8218% | 3,635 |
| Net loans and leases to deposits | 69.9943% | 3,715 |
| Net loans and leases to core deposits | 71.3361% | 4,126 |
| Total domestic deposits to total assets | 85.4667% | 3,631 |
| Equity capital to assets | 9.7691% | 4,499 |
| Core capital (leverage) ratio | 8.8141% | 5,158 |
| Tier 1 risk-based capital ratio | 12.8069% | 5,248 |
| Total risk-based capital ratio | 14.0609% | 5,181 |
| Memoranda: | ||
| Average total assets | $1,141,926,800 | 574 |
| Average earning assets | $1,008,718,000 | 584 |
| Average equity | $105,258,800 | 673 |
| Average total loans | $706,311,000 | 586 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 4,693 |
| Cost of funding earning assets | 0.6187% | 4,463 |
| Net interest margin | 3.6149% | 4,171 |
| Noninterest income to average assets | 0.8507% | 2,029 |
| Noninterest expense to average assets | 3.2105% | 2,533 |
| Loan and lease loss provision to assets | 0.3920% | 1,635 |
| Net operating income to assets | 0.3200% | 5,545 |
| Return on assets (ROA) | 0.3981% | 5,475 |
| Pretax return on assets | 0.5418% | 5,340 |
| Return on Equity (ROE) | 4.3838% | 5,110 |
| Retained earnings to average equity (ytd only) | 4.3838% | 3,805 |
| Net charge-offs to loans | 0.6435% | 1,707 |
| Credit loss provision to net charge-offs | 98.1022% | 3,052 |
| Earnings coverage of net charge-offs (x) | 2.0692% | 4,234 |
| Efficiency ratio | 79.5209% | 2,166 |
| Assets per employee ($millions) | 4.3194% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7523% | 2,959 |
| Loan loss allowance to noncurrent loans | 33.6647% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 4.8411% | 931 |
| Noncurrent loans to loans | 5.2051% | 850 |
| Net loans and leases to total assets | 61.9416% | 3,390 |
| Net loans and leases to deposits | 72.2955% | 3,563 |
| Net loans and leases to core deposits | 73.7039% | 4,011 |
| Total domestic deposits to total assets | 85.6783% | 3,429 |
| Equity capital to assets | 9.5833% | 5,095 |
| Core capital (leverage) ratio | 8.8485% | 5,270 |
| Tier 1 risk-based capital ratio | 12.5611% | 5,595 |
| Total risk-based capital ratio | 13.8152% | 5,553 |
| Memoranda: | ||
| Average total assets | $1,142,835,500 | 578 |
| Average earning assets | $1,007,443,500 | 591 |
| Average equity | $103,773,250 | 683 |
| Average total loans | $709,605,750 | 583 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 4,755 |
| Cost of funding earning assets | 0.6458% | 4,479 |
| Net interest margin | 3.6063% | 4,231 |
| Noninterest income to average assets | 0.8772% | 1,872 |
| Noninterest expense to average assets | 3.3213% | 2,249 |
| Loan and lease loss provision to assets | 0.3823% | 1,708 |
| Net operating income to assets | 0.2653% | 5,719 |
| Return on assets (ROA) | 0.3596% | 5,605 |
| Pretax return on assets | 0.4786% | 5,499 |
| Return on Equity (ROE) | 4.0321% | 5,251 |
| Retained earnings to average equity (ytd only) | 4.0321% | 3,924 |
| Net charge-offs to loans | 0.7206% | 1,533 |
| Credit loss provision to net charge-offs | 85.8704% | 3,165 |
| Earnings coverage of net charge-offs (x) | 1.6514% | 4,165 |
| Efficiency ratio | 81.8747% | 1,894 |
| Assets per employee ($millions) | 4.3386% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 3,268 |
| Loan loss allowance to noncurrent loans | 22.9006% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 6.3489% | 654 |
| Noncurrent loans to loans | 7.3809% | 505 |
| Net loans and leases to total assets | 61.9536% | 3,450 |
| Net loans and leases to deposits | 71.9584% | 3,616 |
| Net loans and leases to core deposits | 73.2594% | 4,130 |
| Total domestic deposits to total assets | 86.0964% | 3,306 |
| Equity capital to assets | 9.1352% | 5,545 |
| Core capital (leverage) ratio | 8.5574% | 5,574 |
| Tier 1 risk-based capital ratio | 12.0958% | 5,865 |
| Total risk-based capital ratio | 13.3491% | 5,843 |
| Memoranda: | ||
| Average total assets | $1,150,873,330 | 575 |
| Average earning assets | $1,014,620,330 | 586 |
| Average equity | $102,627,330 | 691 |
| Average total loans | $711,036,670 | 580 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 5,042 |
| Cost of funding earning assets | 0.6587% | 4,650 |
| Net interest margin | 3.5601% | 4,443 |
| Noninterest income to average assets | 0.8613% | 1,902 |
| Noninterest expense to average assets | 3.5479% | 1,668 |
| Loan and lease loss provision to assets | 0.3620% | 1,746 |
| Net operating income to assets | 0.0859% | 6,266 |
| Return on assets (ROA) | 0.2127% | 6,093 |
| Pretax return on assets | 0.2410% | 6,106 |
| Return on Equity (ROE) | 2.4144% | 5,935 |
| Retained earnings to average equity (ytd only) | 2.4144% | 5,055 |
| Net charge-offs to loans | 0.9615% | 1,074 |
| Credit loss provision to net charge-offs | 61.5475% | 3,083 |
| Earnings coverage of net charge-offs (x) | 0.7802% | 3,942 |
| Efficiency ratio | 88.5466% | 1,221 |
| Assets per employee ($millions) | 4.2874% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 3,486 |
| Loan loss allowance to noncurrent loans | 25.4042% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 5.6176% | 866 |
| Noncurrent loans to loans | 6.5488% | 725 |
| Net loans and leases to total assets | 59.4282% | 3,787 |
| Net loans and leases to deposits | 68.6540% | 3,935 |
| Net loans and leases to core deposits | 69.9575% | 4,425 |
| Total domestic deposits to total assets | 86.5619% | 3,199 |
| Equity capital to assets | 8.7469% | 5,812 |
| Core capital (leverage) ratio | 8.1067% | 6,151 |
| Tier 1 risk-based capital ratio | 11.9787% | 5,975 |
| Total risk-based capital ratio | 13.2318% | 5,966 |
| Memoranda: | ||
| Average total assets | $1,160,120,000 | 571 |
| Average earning assets | $1,025,019,500 | 581 |
| Average equity | $102,218,500 | 695 |
| Average total loans | $709,749,000 | 577 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 5,480 |
| Cost of funding earning assets | 0.7878% | 4,953 |
| Net interest margin | 3.5971% | 4,745 |
| Noninterest income to average assets | 0.8710% | 1,771 |
| Noninterest expense to average assets | 3.4427% | 2,134 |
| Loan and lease loss provision to assets | 1.4916% | 498 |
| Net operating income to assets | -1.0360% | 6,751 |
| Return on assets (ROA) | -0.8714% | 6,712 |
| Pretax return on assets | -0.7599% | 6,628 |
| Return on Equity (ROE) | -9.0065% | 6,713 |
| Retained earnings to average equity (ytd only) | -9.0065% | 6,671 |
| Net charge-offs to loans | 1.8533% | 783 |
| Credit loss provision to net charge-offs | 127.5338% | 2,435 |
| Earnings coverage of net charge-offs (x) | 0.4848% | 5,465 |
| Efficiency ratio | 84.4311% | 1,714 |
| Assets per employee ($millions) | 3.7947% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7420% | 3,053 |
| Loan loss allowance to noncurrent loans | 27.2360% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 5.6220% | 903 |
| Noncurrent loans to loans | 6.3961% | 743 |
| Net loans and leases to total assets | 60.8587% | 3,818 |
| Net loans and leases to deposits | 70.9185% | 3,960 |
| Net loans and leases to core deposits | 72.3078% | 4,472 |
| Total domestic deposits to total assets | 85.8149% | 3,421 |
| Equity capital to assets | 8.8763% | 5,702 |
| Core capital (leverage) ratio | 8.2649% | 5,900 |
| Tier 1 risk-based capital ratio | 11.3968% | 6,219 |
| Total risk-based capital ratio | 12.6498% | 6,214 |
| Memoranda: | ||
| Average total assets | $1,143,103,600 | 568 |
| Average earning assets | $997,426,000 | 591 |
| Average equity | $110,597,600 | 625 |
| Average total loans | $721,377,600 | 571 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 5,531 |
| Cost of funding earning assets | 0.8164% | 5,040 |
| Net interest margin | 3.6059% | 4,744 |
| Noninterest income to average assets | 0.9275% | 1,554 |
| Noninterest expense to average assets | 3.3573% | 2,321 |
| Loan and lease loss provision to assets | 0.5286% | 1,869 |
| Net operating income to assets | 0.1511% | 5,832 |
| Return on assets (ROA) | 0.2900% | 5,603 |
| Pretax return on assets | 0.3524% | 5,596 |
| Return on Equity (ROE) | 2.9367% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.9367% | 4,593 |
| Net charge-offs to loans | -0.7211% | 7,369 |
| Credit loss provision to net charge-offs | -115.6106% | 6,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1127% | 2,093 |
| Assets per employee ($millions) | 3.7601% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3642% | 1,597 |
| Loan loss allowance to noncurrent loans | 28.9061% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 6.5478% | 786 |
| Noncurrent loans to loans | 8.1788% | 530 |
| Net loans and leases to total assets | 60.6118% | 4,027 |
| Net loans and leases to deposits | 71.1448% | 4,115 |
| Net loans and leases to core deposits | 72.6645% | 4,628 |
| Total domestic deposits to total assets | 85.1950% | 3,681 |
| Equity capital to assets | 9.6909% | 4,790 |
| Core capital (leverage) ratio | 8.8675% | 5,161 |
| Tier 1 risk-based capital ratio | 12.3104% | 5,661 |
| Total risk-based capital ratio | 13.5704% | 5,634 |
| Memoranda: | ||
| Average total assets | $1,141,433,250 | 580 |
| Average earning assets | $994,386,250 | 601 |
| Average equity | $112,732,500 | 618 |
| Average total loans | $723,684,500 | 577 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5185% | 5,299 |
| Cost of funding earning assets | 0.8521% | 5,049 |
| Net interest margin | 3.6663% | 4,434 |
| Noninterest income to average assets | 0.9927% | 1,343 |
| Noninterest expense to average assets | 3.5156% | 1,944 |
| Loan and lease loss provision to assets | 0.3312% | 2,796 |
| Net operating income to assets | 0.2587% | 5,523 |
| Return on assets (ROA) | 0.3542% | 5,293 |
| Pretax return on assets | 0.4545% | 5,209 |
| Return on Equity (ROE) | 3.5633% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.5633% | 3,967 |
| Net charge-offs to loans | 0.4360% | 2,830 |
| Credit loss provision to net charge-offs | 118.9721% | 2,577 |
| Earnings coverage of net charge-offs (x) | 2.3826% | 3,629 |
| Efficiency ratio | 82.7605% | 1,983 |
| Assets per employee ($millions) | 3.5838% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 5,377 |
| Loan loss allowance to noncurrent loans | 18.2069% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 6.2657% | 877 |
| Noncurrent loans to loans | 6.7959% | 783 |
| Net loans and leases to total assets | 63.8129% | 3,506 |
| Net loans and leases to deposits | 74.0243% | 3,805 |
| Net loans and leases to core deposits | 75.6039% | 4,368 |
| Total domestic deposits to total assets | 86.2053% | 3,216 |
| Equity capital to assets | 10.1461% | 3,956 |
| Core capital (leverage) ratio | 9.1737% | 4,451 |
| Tier 1 risk-based capital ratio | 12.2173% | 5,592 |
| Total risk-based capital ratio | 13.2925% | 5,718 |
| Memoranda: | ||
| Average total assets | $1,132,110,000 | 589 |
| Average earning assets | $983,868,670 | 613 |
| Average equity | $112,534,670 | 619 |
| Average total loans | $722,926,330 | 585 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4771% | 5,415 |
| Cost of funding earning assets | 0.8773% | 5,079 |
| Net interest margin | 3.5998% | 4,569 |
| Noninterest income to average assets | 0.5042% | 3,852 |
| Noninterest expense to average assets | 3.2604% | 2,675 |
| Loan and lease loss provision to assets | 0.3175% | 2,642 |
| Net operating income to assets | 0.0460% | 6,245 |
| Return on assets (ROA) | 0.2163% | 5,793 |
| Pretax return on assets | 0.2336% | 5,857 |
| Return on Equity (ROE) | 2.1985% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.1985% | 4,826 |
| Net charge-offs to loans | 0.4930% | 2,244 |
| Credit loss provision to net charge-offs | 101.4656% | 2,604 |
| Earnings coverage of net charge-offs (x) | 1.1759% | 3,774 |
| Efficiency ratio | 88.3022% | 1,474 |
| Assets per employee ($millions) | 3.5776% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 5,516 |
| Loan loss allowance to noncurrent loans | 16.5844% | 6,878 |
| Noncurrent assets plus other real estate owned to assets | 6.6607% | 822 |
| Noncurrent loans to loans | 7.3625% | 716 |
| Net loans and leases to total assets | 61.7457% | 3,910 |
| Net loans and leases to deposits | 71.4483% | 4,144 |
| Net loans and leases to core deposits | 73.1723% | 4,629 |
| Total domestic deposits to total assets | 86.4201% | 3,277 |
| Equity capital to assets | 9.7893% | 4,047 |
| Core capital (leverage) ratio | 8.9411% | 4,705 |
| Tier 1 risk-based capital ratio | 12.1755% | 5,530 |
| Total risk-based capital ratio | 13.2231% | 5,708 |
| Memoranda: | ||
| Average total assets | $1,133,722,500 | 597 |
| Average earning assets | $983,932,000 | 617 |
| Average equity | $111,533,000 | 619 |
| Average total loans | $719,690,000 | 593 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 4,963 |
| Cost of funding earning assets | 1.0708% | 5,305 |
| Net interest margin | 3.8414% | 3,771 |
| Noninterest income to average assets | 0.7458% | 2,559 |
| Noninterest expense to average assets | 3.2860% | 2,777 |
| Loan and lease loss provision to assets | 0.3447% | 4,072 |
| Net operating income to assets | 0.3393% | 4,793 |
| Return on assets (ROA) | 0.3880% | 4,739 |
| Pretax return on assets | 0.4953% | 4,634 |
| Return on Equity (ROE) | 3.8990% | 4,576 |
| Retained earnings to average equity (ytd only) | 3.8990% | 3,137 |
| Net charge-offs to loans | 0.7192% | 2,857 |
| Credit loss provision to net charge-offs | 71.4151% | 5,824 |
| Earnings coverage of net charge-offs (x) | 1.6112% | 4,529 |
| Efficiency ratio | 79.3563% | 2,502 |
| Assets per employee ($millions) | 3.4863% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 5,486 |
| Loan loss allowance to noncurrent loans | 17.9956% | 6,884 |
| Noncurrent assets plus other real estate owned to assets | 6.3075% | 909 |
| Noncurrent loans to loans | 6.6990% | 873 |
| Net loans and leases to total assets | 63.6936% | 3,939 |
| Net loans and leases to deposits | 74.8859% | 4,045 |
| Net loans and leases to core deposits | 76.8190% | 4,604 |
| Total domestic deposits to total assets | 85.0542% | 3,825 |
| Equity capital to assets | 9.8872% | 3,892 |
| Core capital (leverage) ratio | 9.0746% | 4,403 |
| Tier 1 risk-based capital ratio | 12.2579% | 5,248 |
| Total risk-based capital ratio | 13.3153% | 5,396 |
| Memoranda: | ||
| Average total assets | $1,102,567,400 | 603 |
| Average earning assets | $952,262,000 | 632 |
| Average equity | $109,719,800 | 611 |
| Average total loans | $739,845,000 | 591 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9736% | 4,932 |
| Cost of funding earning assets | 1.0880% | 5,498 |
| Net interest margin | 3.8856% | 3,586 |
| Noninterest income to average assets | 0.7465% | 2,536 |
| Noninterest expense to average assets | 3.3154% | 2,527 |
| Loan and lease loss provision to assets | 0.3644% | 3,709 |
| Net operating income to assets | 0.3372% | 5,022 |
| Return on assets (ROA) | 0.3808% | 5,023 |
| Pretax return on assets | 0.4806% | 4,988 |
| Return on Equity (ROE) | 3.8207% | 4,864 |
| Retained earnings to average equity (ytd only) | 3.8207% | 3,770 |
| Net charge-offs to loans | 0.6039% | 2,929 |
| Credit loss provision to net charge-offs | 89.0472% | 4,807 |
| Earnings coverage of net charge-offs (x) | 1.9297% | 4,261 |
| Efficiency ratio | 79.2294% | 2,455 |
| Assets per employee ($millions) | 3.5558% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 4,624 |
| Loan loss allowance to noncurrent loans | 19.0495% | 6,944 |
| Noncurrent assets plus other real estate owned to assets | 6.7902% | 817 |
| Noncurrent loans to loans | 7.1931% | 760 |
| Net loans and leases to total assets | 63.4663% | 4,227 |
| Net loans and leases to deposits | 75.5864% | 4,249 |
| Net loans and leases to core deposits | 77.6381% | 4,846 |
| Total domestic deposits to total assets | 83.9652% | 4,147 |
| Equity capital to assets | 9.9649% | 4,201 |
| Core capital (leverage) ratio | 8.9130% | 4,828 |
| Tier 1 risk-based capital ratio | 12.0110% | 5,454 |
| Total risk-based capital ratio | 13.2121% | 5,467 |
| Memoranda: | ||
| Average total assets | $1,097,559,500 | 604 |
| Average earning assets | $948,714,750 | 631 |
| Average equity | $109,401,250 | 604 |
| Average total loans | $743,869,000 | 587 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 4,625 |
| Cost of funding earning assets | 1.0922% | 5,715 |
| Net interest margin | 3.9754% | 3,141 |
| Noninterest income to average assets | 0.7600% | 2,326 |
| Noninterest expense to average assets | 3.3505% | 2,407 |
| Loan and lease loss provision to assets | 0.4587% | 3,024 |
| Net operating income to assets | 0.3150% | 5,118 |
| Return on assets (ROA) | 0.3818% | 5,004 |
| Pretax return on assets | 0.4774% | 4,972 |
| Return on Equity (ROE) | 3.8302% | 4,861 |
| Retained earnings to average equity (ytd only) | 3.8302% | 3,653 |
| Net charge-offs to loans | 0.7185% | 2,422 |
| Credit loss provision to net charge-offs | 92.5926% | 4,344 |
| Earnings coverage of net charge-offs (x) | 1.7211% | 4,220 |
| Efficiency ratio | 78.1474% | 2,704 |
| Assets per employee ($millions) | 3.4682% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 4,718 |
| Loan loss allowance to noncurrent loans | 19.3136% | 6,979 |
| Noncurrent assets plus other real estate owned to assets | 5.8246% | 1,028 |
| Noncurrent loans to loans | 6.9530% | 819 |
| Net loans and leases to total assets | 67.3361% | 3,540 |
| Net loans and leases to deposits | 81.1635% | 3,406 |
| Net loans and leases to core deposits | 83.9650% | 4,146 |
| Total domestic deposits to total assets | 82.9635% | 4,591 |
| Equity capital to assets | 10.0557% | 3,943 |
| Core capital (leverage) ratio | 9.0507% | 4,524 |
| Tier 1 risk-based capital ratio | 11.6203% | 5,655 |
| Total risk-based capital ratio | 12.8088% | 5,683 |
| Memoranda: | ||
| Average total assets | $1,090,053,670 | 605 |
| Average earning assets | $944,107,330 | 634 |
| Average equity | $108,663,330 | 604 |
| Average total loans | $751,576,330 | 579 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1069% | 4,499 |
| Cost of funding earning assets | 1.0938% | 5,940 |
| Net interest margin | 4.0131% | 2,821 |
| Noninterest income to average assets | 0.7381% | 2,365 |
| Noninterest expense to average assets | 3.3660% | 2,324 |
| Loan and lease loss provision to assets | 0.6255% | 2,026 |
| Net operating income to assets | 0.1783% | 5,762 |
| Return on assets (ROA) | 0.3139% | 5,369 |
| Pretax return on assets | 0.3875% | 5,334 |
| Return on Equity (ROE) | 3.1624% | 5,271 |
| Retained earnings to average equity (ytd only) | 3.1624% | 4,249 |
| Net charge-offs to loans | 0.7242% | 2,051 |
| Credit loss provision to net charge-offs | 124.6334% | 2,821 |
| Earnings coverage of net charge-offs (x) | 1.6848% | 3,723 |
| Efficiency ratio | 78.3942% | 2,833 |
| Assets per employee ($millions) | 3.5239% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 4,405 |
| Loan loss allowance to noncurrent loans | 21.5122% | 6,935 |
| Noncurrent assets plus other real estate owned to assets | 5.4744% | 1,129 |
| Noncurrent loans to loans | 6.5253% | 955 |
| Net loans and leases to total assets | 68.0327% | 3,380 |
| Net loans and leases to deposits | 82.8962% | 3,123 |
| Net loans and leases to core deposits | 85.3610% | 3,988 |
| Total domestic deposits to total assets | 82.0698% | 5,050 |
| Equity capital to assets | 9.9260% | 3,950 |
| Core capital (leverage) ratio | 8.9192% | 4,700 |
| Tier 1 risk-based capital ratio | 11.3785% | 5,788 |
| Total risk-based capital ratio | 12.6263% | 5,761 |
| Memoranda: | ||
| Average total assets | $1,087,101,000 | 622 |
| Average earning assets | $940,928,500 | 652 |
| Average equity | $107,892,000 | 611 |
| Average total loans | $753,354,000 | 599 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3263% | 5,052 |
| Cost of funding earning assets | 1.4259% | 5,821 |
| Net interest margin | 3.9004% | 3,269 |
| Noninterest income to average assets | 0.9339% | 1,814 |
| Noninterest expense to average assets | 3.4433% | 2,546 |
| Loan and lease loss provision to assets | 1.1403% | 1,996 |
| Net operating income to assets | -0.0320% | 5,553 |
| Return on assets (ROA) | 0.0316% | 5,443 |
| Pretax return on assets | -0.1273% | 5,624 |
| Return on Equity (ROE) | 0.3251% | 5,433 |
| Retained earnings to average equity (ytd only) | 0.3251% | 4,728 |
| Net charge-offs to loans | 2.3765% | 967 |
| Credit loss provision to net charge-offs | 70.3779% | 6,485 |
| Earnings coverage of net charge-offs (x) | 0.5639% | 5,543 |
| Efficiency ratio | 77.6207% | 3,256 |
| Assets per employee ($millions) | 3.4673% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 4,431 |
| Loan loss allowance to noncurrent loans | 20.3262% | 7,045 |
| Noncurrent assets plus other real estate owned to assets | 5.5135% | 1,066 |
| Noncurrent loans to loans | 6.6942% | 886 |
| Net loans and leases to total assets | 68.6533% | 3,558 |
| Net loans and leases to deposits | 86.4746% | 2,828 |
| Net loans and leases to core deposits | 99.6895% | 4,037 |
| Total domestic deposits to total assets | 79.3913% | 5,879 |
| Equity capital to assets | 9.9234% | 3,870 |
| Core capital (leverage) ratio | 8.8779% | 4,627 |
| Tier 1 risk-based capital ratio | 11.1529% | 5,773 |
| Total risk-based capital ratio | 12.3547% | 5,776 |
| Memoranda: | ||
| Average total assets | $1,097,569,000 | 607 |
| Average earning assets | $963,260,000 | 627 |
| Average equity | $106,732,400 | 612 |
| Average total loans | $748,313,200 | 615 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3309% | 5,269 |
| Cost of funding earning assets | 1.4971% | 5,833 |
| Net interest margin | 3.8338% | 3,506 |
| Noninterest income to average assets | 0.7764% | 2,570 |
| Noninterest expense to average assets | 3.4288% | 2,486 |
| Loan and lease loss provision to assets | 1.2981% | 1,482 |
| Net operating income to assets | -0.3042% | 6,205 |
| Return on assets (ROA) | -0.2236% | 6,111 |
| Pretax return on assets | -0.4488% | 6,247 |
| Return on Equity (ROE) | -2.3106% | 6,138 |
| Retained earnings to average equity (ytd only) | -2.3106% | 5,779 |
| Net charge-offs to loans | 2.9400% | 580 |
| Credit loss provision to net charge-offs | 65.0926% | 6,075 |
| Earnings coverage of net charge-offs (x) | 0.3627% | 5,663 |
| Efficiency ratio | 81.1352% | 2,696 |
| Assets per employee ($millions) | 3.4990% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 4,323 |
| Loan loss allowance to noncurrent loans | 22.8434% | 6,920 |
| Noncurrent assets plus other real estate owned to assets | 4.9106% | 1,199 |
| Noncurrent loans to loans | 5.8185% | 1,039 |
| Net loans and leases to total assets | 67.2371% | 4,130 |
| Net loans and leases to deposits | 83.9805% | 3,646 |
| Net loans and leases to core deposits | 96.6984% | 4,736 |
| Total domestic deposits to total assets | 80.0628% | 5,408 |
| Equity capital to assets | 9.6889% | 4,511 |
| Core capital (leverage) ratio | 8.6310% | 5,255 |
| Tier 1 risk-based capital ratio | 10.7672% | 6,195 |
| Total risk-based capital ratio | 11.9093% | 6,269 |
| Memoranda: | ||
| Average total assets | $1,101,510,500 | 613 |
| Average earning assets | $969,865,750 | 636 |
| Average equity | $106,577,500 | 620 |
| Average total loans | $747,157,000 | 633 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 5,444 |
| Cost of funding earning assets | 1.5692% | 5,842 |
| Net interest margin | 3.7716% | 3,666 |
| Noninterest income to average assets | 0.7454% | 2,726 |
| Noninterest expense to average assets | 3.3831% | 2,678 |
| Loan and lease loss provision to assets | 0.2387% | 4,678 |
| Net operating income to assets | 0.3330% | 4,749 |
| Return on assets (ROA) | 0.4278% | 4,501 |
| Pretax return on assets | 0.5880% | 4,354 |
| Return on Equity (ROE) | 4.4232% | 4,332 |
| Retained earnings to average equity (ytd only) | 4.4232% | 2,836 |
| Net charge-offs to loans | 0.5124% | 2,789 |
| Credit loss provision to net charge-offs | 68.7792% | 5,441 |
| Earnings coverage of net charge-offs (x) | 2.0083% | 4,082 |
| Efficiency ratio | 81.4342% | 2,803 |
| Assets per employee ($millions) | 3.4425% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 1,594 |
| Loan loss allowance to noncurrent loans | 27.8724% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 5.5605% | 896 |
| Noncurrent loans to loans | 7.1344% | 674 |
| Net loans and leases to total assets | 67.1394% | 4,332 |
| Net loans and leases to deposits | 86.8168% | 3,384 |
| Net loans and leases to core deposits | 100.3610% | 4,471 |
| Total domestic deposits to total assets | 77.3345% | 6,243 |
| Equity capital to assets | 10.0670% | 3,851 |
| Core capital (leverage) ratio | 9.5266% | 3,847 |
| Tier 1 risk-based capital ratio | 11.9507% | 4,959 |
| Total risk-based capital ratio | 13.2065% | 4,873 |
| Memoranda: | ||
| Average total assets | $1,109,445,000 | 625 |
| Average earning assets | $980,911,330 | 635 |
| Average equity | $107,297,330 | 628 |
| Average total loans | $751,416,000 | 644 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3427% | 5,695 |
| Cost of funding earning assets | 1.6398% | 5,860 |
| Net interest margin | 3.7029% | 3,879 |
| Noninterest income to average assets | 0.7615% | 2,530 |
| Noninterest expense to average assets | 3.2811% | 2,716 |
| Loan and lease loss provision to assets | 0.2235% | 4,217 |
| Net operating income to assets | 0.3782% | 4,953 |
| Return on assets (ROA) | 0.5587% | 4,371 |
| Pretax return on assets | 0.7991% | 4,078 |
| Return on Equity (ROE) | 5.8955% | 4,082 |
| Retained earnings to average equity (ytd only) | 5.8955% | 2,679 |
| Net charge-offs to loans | 0.3669% | 2,628 |
| Credit loss provision to net charge-offs | 90.4348% | 3,992 |
| Earnings coverage of net charge-offs (x) | 3.0942% | 3,285 |
| Efficiency ratio | 79.5503% | 2,899 |
| Assets per employee ($millions) | 3.4322% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0458% | 1,330 |
| Loan loss allowance to noncurrent loans | 27.9194% | 6,697 |
| Noncurrent assets plus other real estate owned to assets | 5.2714% | 828 |
| Noncurrent loans to loans | 7.3276% | 522 |
| Net loans and leases to total assets | 66.5009% | 4,466 |
| Net loans and leases to deposits | 84.2443% | 3,942 |
| Net loans and leases to core deposits | 97.2268% | 4,826 |
| Total domestic deposits to total assets | 78.9382% | 5,753 |
| Equity capital to assets | 9.4791% | 4,697 |
| Core capital (leverage) ratio | 9.2472% | 4,327 |
| Tier 1 risk-based capital ratio | 12.0854% | 4,890 |
| Total risk-based capital ratio | 13.3424% | 4,780 |
| Memoranda: | ||
| Average total assets | $1,116,804,000 | 618 |
| Average earning assets | $990,585,500 | 632 |
| Average equity | $105,843,000 | 632 |
| Average total loans | $752,171,500 | 655 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8558% | 6,254 |
| Cost of funding earning assets | 2.4470% | 4,491 |
| Net interest margin | 3.4088% | 5,625 |
| Noninterest income to average assets | 0.8899% | 2,000 |
| Noninterest expense to average assets | 2.9729% | 4,174 |
| Loan and lease loss provision to assets | 2.6701% | 374 |
| Net operating income to assets | -0.9629% | 7,229 |
| Return on assets (ROA) | -0.9589% | 7,148 |
| Pretax return on assets | -1.7010% | 7,338 |
| Return on Equity (ROE) | -9.2047% | 7,216 |
| Retained earnings to average equity (ytd only) | -15.7512% | 7,502 |
| Net charge-offs to loans | 2.4728% | 393 |
| Credit loss provision to net charge-offs | 162.5804% | 3,178 |
| Earnings coverage of net charge-offs (x) | 0.5863% | 5,873 |
| Efficiency ratio | 73.4791% | 3,667 |
| Assets per employee ($millions) | 3.4832% | 4,715 |
| Cash dividends to net income (ytd only)* | -71.1205% | 8,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0699% | 1,115 |
| Loan loss allowance to noncurrent loans | 28.0847% | 6,829 |
| Noncurrent assets plus other real estate owned to assets | 5.2136% | 648 |
| Noncurrent loans to loans | 7.3704% | 392 |
| Net loans and leases to total assets | 65.4324% | 4,964 |
| Net loans and leases to deposits | 87.9211% | 3,816 |
| Net loans and leases to core deposits | 102.5258% | 4,547 |
| Total domestic deposits to total assets | 74.4218% | 6,576 |
| Equity capital to assets | 9.4755% | 4,725 |
| Core capital (leverage) ratio | 9.0674% | 4,643 |
| Tier 1 risk-based capital ratio | 11.9548% | 4,858 |
| Total risk-based capital ratio | 13.2121% | 4,735 |
| Memoranda: | ||
| Average total assets | $1,136,427,400 | 583 |
| Average earning assets | $1,015,437,800 | 592 |
| Average equity | $118,384,800 | 579 |
| Average total loans | $754,771,200 | 635 |