Home > Citizens First National Bank > Performance and Condition Ratios
Citizens First National Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 5,853 |
| Cost of funding earning assets | 0.4611% | 5,716 |
| Net interest margin | 3.4108% | 4,997 |
| Noninterest income to average assets | 0.9021% | 1,817 |
| Noninterest expense to average assets | 4.4111% | 597 |
| Loan and lease loss provision to assets | 1.3766% | 247 |
| Net operating income to assets | -1.8366% | 7,022 |
| Return on assets (ROA) | -0.6422% | 6,780 |
| Pretax return on assets | -0.6422% | 6,758 |
| Return on Equity (ROE) | -24.8906% | 7,039 |
| Retained earnings to average equity (ytd only) | -24.8906% | 7,028 |
| Net charge-offs to loans | 5.1476% | 37 |
| Credit loss provision to net charge-offs | 46.9527% | 4,470 |
| Earnings coverage of net charge-offs (x) | -0.1569% | 5,400 |
| Efficiency ratio | 110.2453% | 307 |
| Assets per employee ($millions) | 3.4605% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7246% | 384 |
| Loan loss allowance to noncurrent loans | 36.1399% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 8.2645% | 364 |
| Noncurrent loans to loans | 10.3061% | 232 |
| Net loans and leases to total assets | 53.1595% | 4,881 |
| Net loans and leases to deposits | 56.4929% | 5,588 |
| Net loans and leases to core deposits | 58.5391% | 5,700 |
| Total domestic deposits to total assets | 94.0994% | 67 |
| Equity capital to assets | 1.9950% | 7,167 |
| Core capital (leverage) ratio | 1.9274% | 7,170 |
| Tier 1 risk-based capital ratio | 3.1550% | 7,156 |
| Total risk-based capital ratio | 4.4304% | 7,155 |
| Memoranda: | ||
| Average total assets | $978,237,000 | 675 |
| Average earning assets | $874,444,750 | 687 |
| Average equity | $25,240,500 | 2,656 |
| Average total loans | $557,160,000 | 747 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 5,802 |
| Cost of funding earning assets | 0.4695% | 5,831 |
| Net interest margin | 3.4746% | 4,783 |
| Noninterest income to average assets | 1.1578% | 1,060 |
| Noninterest expense to average assets | 4.3082% | 645 |
| Loan and lease loss provision to assets | 2.0274% | 140 |
| Net operating income to assets | -2.0776% | 7,081 |
| Return on assets (ROA) | -0.9431% | 6,913 |
| Pretax return on assets | -0.9324% | 6,881 |
| Return on Equity (ROE) | -34.1553% | 7,126 |
| Retained earnings to average equity (ytd only) | -34.1553% | 7,119 |
| Net charge-offs to loans | 6.2990% | 30 |
| Credit loss provision to net charge-offs | 55.9836% | 3,904 |
| Earnings coverage of net charge-offs (x) | -0.0109% | 5,083 |
| Efficiency ratio | 99.6567% | 575 |
| Assets per employee ($millions) | 3.3708% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2969% | 275 |
| Loan loss allowance to noncurrent loans | 35.0725% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 8.9330% | 344 |
| Noncurrent loans to loans | 12.2514% | 164 |
| Net loans and leases to total assets | 52.4687% | 5,039 |
| Net loans and leases to deposits | 57.0575% | 5,543 |
| Net loans and leases to core deposits | 59.7705% | 5,612 |
| Total domestic deposits to total assets | 91.9577% | 233 |
| Equity capital to assets | 2.2175% | 7,212 |
| Core capital (leverage) ratio | 1.8517% | 7,226 |
| Tier 1 risk-based capital ratio | 3.0507% | 7,212 |
| Total risk-based capital ratio | 4.3341% | 7,213 |
| Memoranda: | ||
| Average total assets | $996,329,670 | 670 |
| Average earning assets | $892,025,000 | 670 |
| Average equity | $27,509,670 | 2,445 |
| Average total loans | $572,822,000 | 726 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 5,650 |
| Cost of funding earning assets | 0.4821% | 5,928 |
| Net interest margin | 3.5533% | 4,475 |
| Noninterest income to average assets | 1.3039% | 838 |
| Noninterest expense to average assets | 4.1937% | 751 |
| Loan and lease loss provision to assets | 0.0295% | 4,993 |
| Net operating income to assets | 0.2587% | 5,788 |
| Return on assets (ROA) | 0.4674% | 5,163 |
| Pretax return on assets | 0.4882% | 5,467 |
| Return on Equity (ROE) | 15.4979% | 887 |
| Retained earnings to average equity (ytd only) | 15.4979% | 405 |
| Net charge-offs to loans | 0.4999% | 1,838 |
| Credit loss provision to net charge-offs | 10.0402% | 3,902 |
| Earnings coverage of net charge-offs (x) | 1.0228% | 3,813 |
| Efficiency ratio | 92.1361% | 939 |
| Assets per employee ($millions) | 3.3808% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1973% | 148 |
| Loan loss allowance to noncurrent loans | 31.2110% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 10.5465% | 267 |
| Noncurrent loans to loans | 16.6521% | 90 |
| Net loans and leases to total assets | 53.1347% | 4,863 |
| Net loans and leases to deposits | 58.8472% | 5,288 |
| Net loans and leases to core deposits | 61.9659% | 5,331 |
| Total domestic deposits to total assets | 90.2926% | 919 |
| Equity capital to assets | 3.0529% | 7,236 |
| Core capital (leverage) ratio | 2.3772% | 7,260 |
| Tier 1 risk-based capital ratio | 3.8281% | 7,251 |
| Total risk-based capital ratio | 5.1211% | 7,251 |
| Memoranda: | ||
| Average total assets | $1,017,531,500 | 657 |
| Average earning assets | $913,515,000 | 657 |
| Average equity | $30,688,000 | 2,222 |
| Average total loans | $597,740,500 | 692 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5032% | 5,061 |
| Cost of funding earning assets | 0.6787% | 5,667 |
| Net interest margin | 3.8245% | 3,701 |
| Noninterest income to average assets | 0.6985% | 2,608 |
| Noninterest expense to average assets | 3.7651% | 1,416 |
| Loan and lease loss provision to assets | 4.8634% | 24 |
| Net operating income to assets | -5.1657% | 7,309 |
| Return on assets (ROA) | -4.9129% | 7,305 |
| Pretax return on assets | -4.2824% | 7,282 |
| Return on Equity (ROE) | -78.2873% | 7,286 |
| Retained earnings to average equity (ytd only) | -78.2873% | 7,286 |
| Net charge-offs to loans | 7.6858% | 17 |
| Credit loss provision to net charge-offs | 101.3440% | 3,430 |
| Earnings coverage of net charge-offs (x) | 0.0684% | 5,777 |
| Efficiency ratio | 90.5071% | 1,151 |
| Assets per employee ($millions) | 3.3140% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8798% | 195 |
| Loan loss allowance to noncurrent loans | 31.3843% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 11.7105% | 225 |
| Noncurrent loans to loans | 15.5486% | 119 |
| Net loans and leases to total assets | 58.4600% | 4,288 |
| Net loans and leases to deposits | 64.6240% | 4,920 |
| Net loans and leases to core deposits | 68.2171% | 5,001 |
| Total domestic deposits to total assets | 90.4617% | 741 |
| Equity capital to assets | 2.9787% | 7,279 |
| Core capital (leverage) ratio | 2.1445% | 7,313 |
| Tier 1 risk-based capital ratio | 3.3093% | 7,305 |
| Total risk-based capital ratio | 4.5987% | 7,306 |
| Memoranda: | ||
| Average total assets | $1,065,166,400 | 617 |
| Average earning assets | $945,508,200 | 627 |
| Average equity | $66,844,800 | 1,004 |
| Average total loans | $665,070,400 | 620 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 5,088 |
| Cost of funding earning assets | 0.7149% | 5,675 |
| Net interest margin | 3.8340% | 3,699 |
| Noninterest income to average assets | 0.6633% | 2,808 |
| Noninterest expense to average assets | 3.5261% | 1,870 |
| Loan and lease loss provision to assets | 2.2140% | 226 |
| Net operating income to assets | -2.5845% | 7,219 |
| Return on assets (ROA) | -2.2515% | 7,193 |
| Pretax return on assets | -1.3417% | 6,981 |
| Return on Equity (ROE) | -31.9324% | 7,207 |
| Retained earnings to average equity (ytd only) | -31.9324% | 7,200 |
| Net charge-offs to loans | 6.1412% | 53 |
| Credit loss provision to net charge-offs | 57.5285% | 4,863 |
| Earnings coverage of net charge-offs (x) | 0.1402% | 5,501 |
| Efficiency ratio | 85.2049% | 1,613 |
| Assets per employee ($millions) | 3.3953% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5772% | 1,297 |
| Loan loss allowance to noncurrent loans | 19.4903% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 9.6506% | 383 |
| Noncurrent loans to loans | 13.2228% | 193 |
| Net loans and leases to total assets | 58.3581% | 4,445 |
| Net loans and leases to deposits | 66.4490% | 4,835 |
| Net loans and leases to core deposits | 70.4827% | 4,891 |
| Total domestic deposits to total assets | 87.8240% | 2,153 |
| Equity capital to assets | 6.0082% | 7,183 |
| Core capital (leverage) ratio | 5.2877% | 7,206 |
| Tier 1 risk-based capital ratio | 7.9027% | 7,199 |
| Total risk-based capital ratio | 9.1657% | 7,201 |
| Memoranda: | ||
| Average total assets | $1,077,939,250 | 614 |
| Average earning assets | $956,535,250 | 627 |
| Average equity | $76,004,500 | 893 |
| Average total loans | $675,527,750 | 614 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 4,717 |
| Cost of funding earning assets | 0.7366% | 5,753 |
| Net interest margin | 3.9212% | 3,212 |
| Noninterest income to average assets | 0.7328% | 2,359 |
| Noninterest expense to average assets | 3.4991% | 1,980 |
| Loan and lease loss provision to assets | 1.8367% | 356 |
| Net operating income to assets | -0.4920% | 6,680 |
| Return on assets (ROA) | -0.1743% | 6,481 |
| Pretax return on assets | -0.6351% | 6,724 |
| Return on Equity (ROE) | -2.3574% | 6,547 |
| Retained earnings to average equity (ytd only) | -2.3574% | 6,299 |
| Net charge-offs to loans | 5.9731% | 84 |
| Credit loss provision to net charge-offs | 48.3627% | 4,621 |
| Earnings coverage of net charge-offs (x) | 0.1857% | 5,169 |
| Efficiency ratio | 81.6321% | 2,155 |
| Assets per employee ($millions) | 3.3378% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8970% | 986 |
| Loan loss allowance to noncurrent loans | 23.7648% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 9.2501% | 448 |
| Noncurrent loans to loans | 12.1903% | 241 |
| Net loans and leases to total assets | 60.0290% | 4,264 |
| Net loans and leases to deposits | 68.2442% | 4,668 |
| Net loans and leases to core deposits | 72.9190% | 4,719 |
| Total domestic deposits to total assets | 87.9620% | 2,164 |
| Equity capital to assets | 7.3541% | 7,012 |
| Core capital (leverage) ratio | 6.3156% | 7,154 |
| Tier 1 risk-based capital ratio | 9.1542% | 7,156 |
| Total risk-based capital ratio | 10.4206% | 7,157 |
| Memoranda: | ||
| Average total assets | $1,080,743,670 | 621 |
| Average earning assets | $956,802,000 | 634 |
| Average equity | $79,919,670 | 840 |
| Average total loans | $687,148,330 | 614 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7655% | 4,227 |
| Cost of funding earning assets | 0.7559% | 5,825 |
| Net interest margin | 4.0096% | 2,649 |
| Noninterest income to average assets | 0.8717% | 1,761 |
| Noninterest expense to average assets | 3.4662% | 2,096 |
| Loan and lease loss provision to assets | 0.6899% | 1,225 |
| Net operating income to assets | 0.2767% | 5,517 |
| Return on assets (ROA) | 0.6756% | 3,700 |
| Pretax return on assets | 0.6708% | 4,416 |
| Return on Equity (ROE) | 9.1111% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.1111% | 1,350 |
| Net charge-offs to loans | 0.9672% | 1,389 |
| Credit loss provision to net charge-offs | 110.6848% | 2,420 |
| Earnings coverage of net charge-offs (x) | 1.5431% | 3,554 |
| Efficiency ratio | 76.6994% | 3,032 |
| Assets per employee ($millions) | 3.3309% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3246% | 341 |
| Loan loss allowance to noncurrent loans | 33.3661% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 10.2116% | 397 |
| Noncurrent loans to loans | 12.9611% | 231 |
| Net loans and leases to total assets | 61.3082% | 4,010 |
| Net loans and leases to deposits | 69.5859% | 4,412 |
| Net loans and leases to core deposits | 74.5444% | 4,480 |
| Total domestic deposits to total assets | 88.1043% | 2,313 |
| Equity capital to assets | 7.5104% | 6,862 |
| Core capital (leverage) ratio | 6.6163% | 7,140 |
| Tier 1 risk-based capital ratio | 9.3298% | 7,182 |
| Total risk-based capital ratio | 10.6123% | 7,180 |
| Memoranda: | ||
| Average total assets | $1,087,063,000 | 623 |
| Average earning assets | $964,183,000 | 632 |
| Average equity | $80,605,000 | 823 |
| Average total loans | $700,571,500 | 613 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8912% | 5,077 |
| Cost of funding earning assets | 1.0630% | 5,349 |
| Net interest margin | 3.8282% | 3,828 |
| Noninterest income to average assets | 0.7833% | 2,361 |
| Noninterest expense to average assets | 3.1628% | 3,221 |
| Loan and lease loss provision to assets | 3.4957% | 223 |
| Net operating income to assets | -1.4282% | 6,889 |
| Return on assets (ROA) | -1.3884% | 6,889 |
| Pretax return on assets | -2.3670% | 7,129 |
| Return on Equity (ROE) | -16.8743% | 6,973 |
| Retained earnings to average equity (ytd only) | -18.4460% | 6,984 |
| Net charge-offs to loans | 3.0641% | 530 |
| Credit loss provision to net charge-offs | 177.0820% | 1,876 |
| Earnings coverage of net charge-offs (x) | 0.5402% | 5,569 |
| Efficiency ratio | 73.1446% | 3,570 |
| Assets per employee ($millions) | 3.4323% | 5,101 |
| Cash dividends to net income (ytd only)* | -9.3139% | 7,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1892% | 338 |
| Loan loss allowance to noncurrent loans | 35.8546% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 9.4582% | 456 |
| Noncurrent loans to loans | 11.6838% | 310 |
| Net loans and leases to total assets | 62.0930% | 4,267 |
| Net loans and leases to deposits | 70.5978% | 4,740 |
| Net loans and leases to core deposits | 76.0772% | 4,699 |
| Total domestic deposits to total assets | 87.9531% | 2,276 |
| Equity capital to assets | 7.3209% | 6,988 |
| Core capital (leverage) ratio | 6.3771% | 7,221 |
| Tier 1 risk-based capital ratio | 9.0083% | 7,245 |
| Total risk-based capital ratio | 10.2892% | 7,244 |
| Memoranda: | ||
| Average total assets | $1,159,992,000 | 575 |
| Average earning assets | $1,044,161,000 | 575 |
| Average equity | $95,440,800 | 704 |
| Average total loans | $747,338,400 | 583 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8815% | 5,352 |
| Cost of funding earning assets | 1.1221% | 5,307 |
| Net interest margin | 3.7594% | 4,146 |
| Noninterest income to average assets | 0.6901% | 2,876 |
| Noninterest expense to average assets | 3.0690% | 3,488 |
| Loan and lease loss provision to assets | 1.5076% | 880 |
| Net operating income to assets | -0.1067% | 6,192 |
| Return on assets (ROA) | -0.0543% | 6,219 |
| Pretax return on assets | -0.4095% | 6,504 |
| Return on Equity (ROE) | -0.6434% | 6,243 |
| Retained earnings to average equity (ytd only) | -1.9866% | 6,199 |
| Net charge-offs to loans | 1.2021% | 1,695 |
| Credit loss provision to net charge-offs | 194.9289% | 1,830 |
| Earnings coverage of net charge-offs (x) | 1.3139% | 4,762 |
| Efficiency ratio | 73.4517% | 3,424 |
| Assets per employee ($millions) | 3.5443% | 4,868 |
| Cash dividends to net income (ytd only)* | -208.7685% | 7,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5455% | 1,278 |
| Loan loss allowance to noncurrent loans | 24.6926% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 8.4022% | 578 |
| Noncurrent loans to loans | 10.3087% | 393 |
| Net loans and leases to total assets | 63.8248% | 4,156 |
| Net loans and leases to deposits | 74.0221% | 4,506 |
| Net loans and leases to core deposits | 77.6989% | 4,837 |
| Total domestic deposits to total assets | 86.2240% | 2,961 |
| Equity capital to assets | 8.9750% | 5,612 |
| Core capital (leverage) ratio | 8.0515% | 6,275 |
| Tier 1 risk-based capital ratio | 11.1010% | 6,282 |
| Total risk-based capital ratio | 12.3637% | 6,263 |
| Memoranda: | ||
| Average total assets | $1,176,261,750 | 567 |
| Average earning assets | $1,062,278,500 | 564 |
| Average equity | $99,261,750 | 675 |
| Average total loans | $756,775,500 | 574 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 5,494 |
| Cost of funding earning assets | 1.1917% | 5,176 |
| Net interest margin | 3.6849% | 4,432 |
| Noninterest income to average assets | 0.6706% | 2,886 |
| Noninterest expense to average assets | 3.0091% | 3,680 |
| Loan and lease loss provision to assets | 1.0982% | 1,304 |
| Net operating income to assets | 0.0855% | 5,906 |
| Return on assets (ROA) | 0.2061% | 5,668 |
| Pretax return on assets | 0.0195% | 6,121 |
| Return on Equity (ROE) | 2.4916% | 5,470 |
| Retained earnings to average equity (ytd only) | 1.4820% | 5,131 |
| Net charge-offs to loans | 0.6984% | 2,470 |
| Credit loss provision to net charge-offs | 245.7944% | 1,564 |
| Earnings coverage of net charge-offs (x) | 2.2318% | 3,893 |
| Efficiency ratio | 73.4334% | 3,571 |
| Assets per employee ($millions) | 3.5569% | 4,788 |
| Cash dividends to net income (ytd only)* | 40.5186% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1491% | 1,866 |
| Loan loss allowance to noncurrent loans | 26.2160% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 7.1291% | 738 |
| Noncurrent loans to loans | 8.1977% | 625 |
| Net loans and leases to total assets | 64.3057% | 4,199 |
| Net loans and leases to deposits | 75.1322% | 4,495 |
| Net loans and leases to core deposits | 81.7688% | 4,451 |
| Total domestic deposits to total assets | 85.5901% | 3,320 |
| Equity capital to assets | 8.9295% | 5,559 |
| Core capital (leverage) ratio | 7.9438% | 6,335 |
| Tier 1 risk-based capital ratio | 11.0762% | 6,155 |
| Total risk-based capital ratio | 12.3345% | 6,136 |
| Memoranda: | ||
| Average total assets | $1,197,380,670 | 556 |
| Average earning assets | $1,083,868,670 | 554 |
| Average equity | $99,054,670 | 666 |
| Average total loans | $766,080,000 | 569 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 5,348 |
| Cost of funding earning assets | 1.2997% | 4,815 |
| Net interest margin | 3.6214% | 4,615 |
| Noninterest income to average assets | 0.6745% | 2,779 |
| Noninterest expense to average assets | 2.9282% | 3,958 |
| Loan and lease loss provision to assets | 1.2759% | 951 |
| Net operating income to assets | 0.0342% | 6,207 |
| Return on assets (ROA) | 0.1677% | 5,920 |
| Pretax return on assets | -0.0384% | 6,401 |
| Return on Equity (ROE) | 2.1044% | 5,725 |
| Retained earnings to average equity (ytd only) | 0.0653% | 5,797 |
| Net charge-offs to loans | 0.6781% | 2,135 |
| Credit loss provision to net charge-offs | 297.7997% | 1,332 |
| Earnings coverage of net charge-offs (x) | 2.4014% | 3,338 |
| Efficiency ratio | 72.3486% | 3,866 |
| Assets per employee ($millions) | 3.6934% | 4,588 |
| Cash dividends to net income (ytd only)* | 96.8992% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9399% | 2,334 |
| Loan loss allowance to noncurrent loans | 27.4589% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 6.1326% | 961 |
| Noncurrent loans to loans | 7.0649% | 837 |
| Net loans and leases to total assets | 61.8261% | 4,795 |
| Net loans and leases to deposits | 71.8765% | 5,068 |
| Net loans and leases to core deposits | 80.8755% | 4,645 |
| Total domestic deposits to total assets | 86.0171% | 3,145 |
| Equity capital to assets | 8.2256% | 6,399 |
| Core capital (leverage) ratio | 7.4910% | 6,865 |
| Tier 1 risk-based capital ratio | 10.6398% | 6,504 |
| Total risk-based capital ratio | 11.8955% | 6,486 |
| Memoranda: | ||
| Average total assets | $1,230,524,000 | 558 |
| Average earning assets | $1,115,368,500 | 556 |
| Average equity | $98,081,500 | 678 |
| Average total loans | $777,453,500 | 583 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2227% | 5,542 |
| Cost of funding earning assets | 1.8511% | 3,730 |
| Net interest margin | 3.3716% | 5,489 |
| Noninterest income to average assets | 0.8828% | 2,018 |
| Noninterest expense to average assets | 4.8496% | 584 |
| Loan and lease loss provision to assets | 0.8944% | 2,512 |
| Net operating income to assets | -1.7456% | 6,986 |
| Return on assets (ROA) | -1.6074% | 6,915 |
| Pretax return on assets | -1.6802% | 6,804 |
| Return on Equity (ROE) | -17.7735% | 7,068 |
| Retained earnings to average equity (ytd only) | -22.4226% | 7,190 |
| Net charge-offs to loans | 0.5177% | 3,707 |
| Credit loss provision to net charge-offs | 273.0010% | 1,261 |
| Earnings coverage of net charge-offs (x) | -2.8381% | 7,043 |
| Efficiency ratio | 71.7430% | 4,309 |
| Assets per employee ($millions) | 3.8671% | 4,098 |
| Cash dividends to net income (ytd only)* | -26.1569% | 7,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 3,653 |
| Loan loss allowance to noncurrent loans | 22.5494% | 6,939 |
| Noncurrent assets plus other real estate owned to assets | 5.6483% | 1,029 |
| Noncurrent loans to loans | 6.7097% | 880 |
| Net loans and leases to total assets | 62.3481% | 4,918 |
| Net loans and leases to deposits | 72.9857% | 5,193 |
| Net loans and leases to core deposits | 89.6540% | 5,168 |
| Total domestic deposits to total assets | 85.4251% | 3,338 |
| Equity capital to assets | 7.7280% | 6,832 |
| Core capital (leverage) ratio | 7.0828% | 7,166 |
| Tier 1 risk-based capital ratio | 10.0031% | 6,869 |
| Total risk-based capital ratio | 11.2541% | 6,837 |
| Memoranda: | ||
| Average total assets | $1,236,809,600 | 545 |
| Average earning assets | $1,114,037,800 | 542 |
| Average equity | $111,851,600 | 586 |
| Average total loans | $782,634,600 | 583 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3262% | 5,300 |
| Cost of funding earning assets | 1.9449% | 3,639 |
| Net interest margin | 3.3813% | 5,343 |
| Noninterest income to average assets | 0.8677% | 2,110 |
| Noninterest expense to average assets | 2.9251% | 4,340 |
| Loan and lease loss provision to assets | 0.5465% | 3,202 |
| Net operating income to assets | 0.4203% | 4,319 |
| Return on assets (ROA) | 0.5034% | 4,060 |
| Pretax return on assets | 0.5233% | 4,445 |
| Return on Equity (ROE) | 5.3663% | 3,802 |
| Retained earnings to average equity (ytd only) | 0.5162% | 4,994 |
| Net charge-offs to loans | 0.4025% | 3,643 |
| Credit loss provision to net charge-offs | 214.5895% | 2,044 |
| Earnings coverage of net charge-offs (x) | 3.8609% | 3,360 |
| Efficiency ratio | 73.1375% | 4,031 |
| Assets per employee ($millions) | 3.9596% | 3,805 |
| Cash dividends to net income (ytd only)* | 90.3808% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 6,309 |
| Loan loss allowance to noncurrent loans | 20.1464% | 7,082 |
| Noncurrent assets plus other real estate owned to assets | 4.2503% | 1,471 |
| Noncurrent loans to loans | 4.9522% | 1,348 |
| Net loans and leases to total assets | 59.8303% | 5,609 |
| Net loans and leases to deposits | 72.2031% | 5,614 |
| Net loans and leases to core deposits | 92.8516% | 5,149 |
| Total domestic deposits to total assets | 82.8639% | 4,290 |
| Equity capital to assets | 9.7615% | 4,407 |
| Core capital (leverage) ratio | 7.3590% | 7,128 |
| Tier 1 risk-based capital ratio | 10.3783% | 6,593 |
| Total risk-based capital ratio | 11.2547% | 6,928 |
| Memoranda: | ||
| Average total assets | $1,230,842,750 | 561 |
| Average earning assets | $1,106,846,750 | 560 |
| Average equity | $115,458,250 | 580 |
| Average total loans | $778,772,500 | 606 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3965% | 5,171 |
| Cost of funding earning assets | 2.0083% | 3,733 |
| Net interest margin | 3.3882% | 5,222 |
| Noninterest income to average assets | 0.9056% | 1,963 |
| Noninterest expense to average assets | 2.9540% | 4,276 |
| Loan and lease loss provision to assets | 0.4348% | 3,382 |
| Net operating income to assets | 0.4915% | 4,119 |
| Return on assets (ROA) | 0.6007% | 3,782 |
| Pretax return on assets | 0.6908% | 4,030 |
| Return on Equity (ROE) | 6.4976% | 3,438 |
| Retained earnings to average equity (ytd only) | 0.7870% | 4,876 |
| Net charge-offs to loans | 0.3953% | 3,222 |
| Credit loss provision to net charge-offs | 171.1039% | 2,691 |
| Earnings coverage of net charge-offs (x) | 3.9357% | 3,268 |
| Efficiency ratio | 72.9898% | 4,200 |
| Assets per employee ($millions) | 3.8466% | 3,985 |
| Cash dividends to net income (ytd only)* | 87.8879% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 7,147 |
| Loan loss allowance to noncurrent loans | 27.9669% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 2.9635% | 2,154 |
| Noncurrent loans to loans | 2.8660% | 2,515 |
| Net loans and leases to total assets | 60.6083% | 5,583 |
| Net loans and leases to deposits | 71.5415% | 5,804 |
| Net loans and leases to core deposits | 94.4238% | 5,068 |
| Total domestic deposits to total assets | 84.7177% | 3,393 |
| Equity capital to assets | 8.8935% | 5,464 |
| Core capital (leverage) ratio | 6.8125% | 7,647 |
| Tier 1 risk-based capital ratio | 9.4824% | 7,401 |
| Total risk-based capital ratio | 10.1877% | 7,762 |
| Memoranda: | ||
| Average total assets | $1,212,170,000 | 582 |
| Average earning assets | $1,090,600,670 | 582 |
| Average equity | $112,072,000 | 604 |
| Average total loans | $779,132,670 | 626 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4110% | 5,366 |
| Cost of funding earning assets | 2.0542% | 3,849 |
| Net interest margin | 3.3569% | 5,297 |
| Noninterest income to average assets | 0.8637% | 2,016 |
| Noninterest expense to average assets | 3.0333% | 3,616 |
| Loan and lease loss provision to assets | 0.3935% | 2,970 |
| Net operating income to assets | 0.4326% | 4,731 |
| Return on assets (ROA) | 0.4917% | 4,644 |
| Pretax return on assets | 0.5210% | 5,016 |
| Return on Equity (ROE) | 5.2133% | 4,377 |
| Retained earnings to average equity (ytd only) | -0.8487% | 5,848 |
| Net charge-offs to loans | 0.1892% | 3,501 |
| Credit loss provision to net charge-offs | 315.3639% | 1,552 |
| Earnings coverage of net charge-offs (x) | 6.8248% | 2,434 |
| Efficiency ratio | 76.2878% | 3,441 |
| Assets per employee ($millions) | 3.7276% | 4,275 |
| Cash dividends to net income (ytd only)* | 116.2791% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 7,296 |
| Loan loss allowance to noncurrent loans | 17.6197% | 7,281 |
| Noncurrent assets plus other real estate owned to assets | 2.9996% | 1,883 |
| Noncurrent loans to loans | 4.2894% | 1,372 |
| Net loans and leases to total assets | 63.3659% | 5,094 |
| Net loans and leases to deposits | 75.4719% | 5,296 |
| Net loans and leases to core deposits | 100.5198% | 4,493 |
| Total domestic deposits to total assets | 83.9595% | 3,731 |
| Equity capital to assets | 9.2326% | 5,038 |
| Core capital (leverage) ratio | 7.0754% | 7,581 |
| Tier 1 risk-based capital ratio | 9.5997% | 7,342 |
| Total risk-based capital ratio | 10.2870% | 7,798 |
| Memoranda: | ||
| Average total assets | $1,189,331,500 | 591 |
| Average earning assets | $1,070,406,500 | 593 |
| Average equity | $112,175,000 | 602 |
| Average total loans | $784,439,000 | 630 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1112% | 4,986 |
| Cost of funding earning assets | 2.5524% | 3,945 |
| Net interest margin | 3.5588% | 5,057 |
| Noninterest income to average assets | 0.9543% | 1,747 |
| Noninterest expense to average assets | 2.8648% | 4,553 |
| Loan and lease loss provision to assets | 0.2669% | 4,264 |
| Net operating income to assets | 0.7584% | 3,620 |
| Return on assets (ROA) | 0.7865% | 3,338 |
| Pretax return on assets | 1.0192% | 3,317 |
| Return on Equity (ROE) | 8.0690% | 3,045 |
| Retained earnings to average equity (ytd only) | 2.9025% | 3,366 |
| Net charge-offs to loans | 0.1529% | 4,670 |
| Credit loss provision to net charge-offs | 257.8627% | 1,797 |
| Earnings coverage of net charge-offs (x) | 12.0738% | 2,295 |
| Efficiency ratio | 68.0822% | 4,711 |
| Assets per employee ($millions) | 3.7053% | 4,165 |
| Cash dividends to net income (ytd only)* | 64.0293% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6387% | 7,583 |
| Loan loss allowance to noncurrent loans | 15.3313% | 7,385 |
| Noncurrent assets plus other real estate owned to assets | 3.0533% | 1,502 |
| Noncurrent loans to loans | 4.1661% | 1,169 |
| Net loans and leases to total assets | 67.7226% | 4,508 |
| Net loans and leases to deposits | 81.8222% | 4,753 |
| Net loans and leases to core deposits | 108.4004% | 3,922 |
| Total domestic deposits to total assets | 82.7680% | 3,867 |
| Equity capital to assets | 9.6398% | 4,498 |
| Core capital (leverage) ratio | 7.3037% | 7,414 |
| Tier 1 risk-based capital ratio | 9.4509% | 7,366 |
| Total risk-based capital ratio | 10.0356% | 7,977 |
| Memoranda: | ||
| Average total assets | $1,112,060,000 | 599 |
| Average earning assets | $987,492,400 | 608 |
| Average equity | $108,390,200 | 624 |
| Average total loans | $752,756,600 | 637 |