Home > CNB Community Bank > Performance and Condition Ratios
CNB Community 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 | 3.7652% | 6,097 |
| Cost of funding earning assets | 0.5798% | 4,840 |
| Net interest margin | 3.1853% | 5,733 |
| Noninterest income to average assets | -0.0539% | 6,995 |
| Noninterest expense to average assets | 3.3392% | 2,161 |
| Loan and lease loss provision to assets | 0.0943% | 4,408 |
| Net operating income to assets | -0.4535% | 6,676 |
| Return on assets (ROA) | -0.3770% | 6,678 |
| Pretax return on assets | -0.5318% | 6,716 |
| Return on Equity (ROE) | -3.9166% | 6,670 |
| Retained earnings to average equity (ytd only) | -3.9166% | 6,543 |
| Net charge-offs to loans | 0.3007% | 2,935 |
| Credit loss provision to net charge-offs | 77.7778% | 3,684 |
| Earnings coverage of net charge-offs (x) | -4.5000% | 5,697 |
| Efficiency ratio | 119.5181% | 199 |
| Assets per employee ($millions) | 3.2097% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 3,956 |
| Loan loss allowance to noncurrent loans | 1,871.4286% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 6,677 |
| Noncurrent loans to loans | 0.0801% | 6,414 |
| Net loans and leases to total assets | 44.6983% | 5,905 |
| Net loans and leases to deposits | 51.4956% | 6,008 |
| Net loans and leases to core deposits | 51.4956% | 6,214 |
| Total domestic deposits to total assets | 86.8003% | 2,797 |
| Equity capital to assets | 9.6635% | 4,970 |
| Core capital (leverage) ratio | 9.3641% | 4,483 |
| Tier 1 risk-based capital ratio | 18.0946% | 2,301 |
| Total risk-based capital ratio | 19.3510% | 2,271 |
| Memoranda: | ||
| Average total assets | $19,804,750 | 7,050 |
| Average earning assets | $17,705,750 | 7,036 |
| Average equity | $1,906,250 | 7,057 |
| Average total loans | $7,981,750 | 7,008 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 6,068 |
| Cost of funding earning assets | 0.5894% | 4,992 |
| Net interest margin | 3.2417% | 5,614 |
| Noninterest income to average assets | 0.3502% | 5,041 |
| Noninterest expense to average assets | 3.0420% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1446% | 6,058 |
| Return on assets (ROA) | 0.1701% | 6,176 |
| Pretax return on assets | 0.2001% | 6,154 |
| Return on Equity (ROE) | 1.7696% | 6,111 |
| Retained earnings to average equity (ytd only) | 1.7696% | 5,309 |
| Net charge-offs to loans | 0.4658% | 2,206 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.9444% | 4,567 |
| Efficiency ratio | 94.7040% | 772 |
| Assets per employee ($millions) | 3.3138% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 3,801 |
| Loan loss allowance to noncurrent loans | 1,462.5000% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 5,569 |
| Noncurrent loans to loans | 0.1058% | 6,403 |
| Net loans and leases to total assets | 37.4541% | 6,520 |
| Net loans and leases to deposits | 42.6298% | 6,619 |
| Net loans and leases to core deposits | 42.6298% | 6,706 |
| Total domestic deposits to total assets | 87.8590% | 2,242 |
| Equity capital to assets | 9.6816% | 4,780 |
| Core capital (leverage) ratio | 9.3453% | 4,382 |
| Tier 1 risk-based capital ratio | 20.4351% | 1,596 |
| Total risk-based capital ratio | 21.6888% | 1,567 |
| Memoranda: | ||
| Average total assets | $19,987,000 | 7,106 |
| Average earning assets | $17,645,000 | 7,097 |
| Average equity | $1,921,330 | 7,103 |
| Average total loans | $7,729,330 | 7,079 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 4,855 |
| Cost of funding earning assets | 0.5968% | 5,165 |
| Net interest margin | 3.6724% | 3,952 |
| Noninterest income to average assets | 0.3393% | 5,146 |
| Noninterest expense to average assets | 3.0740% | 3,004 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4591% | 4,997 |
| Return on assets (ROA) | 0.4591% | 5,193 |
| Pretax return on assets | 0.4591% | 5,561 |
| Return on Equity (ROE) | 4.7929% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.7929% | 3,680 |
| Net charge-offs to loans | 0.9217% | 1,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.2778% | 3,691 |
| Efficiency ratio | 87.0056% | 1,378 |
| Assets per employee ($millions) | 3.4017% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 3,446 |
| Loan loss allowance to noncurrent loans | 900.0000% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 5,637 |
| Noncurrent loans to loans | 0.1861% | 6,312 |
| Net loans and leases to total assets | 33.6600% | 6,759 |
| Net loans and leases to deposits | 38.1985% | 6,812 |
| Net loans and leases to core deposits | 38.1985% | 6,876 |
| Total domestic deposits to total assets | 88.1186% | 2,234 |
| Equity capital to assets | 9.4659% | 4,858 |
| Core capital (leverage) ratio | 9.4759% | 4,088 |
| Tier 1 risk-based capital ratio | 21.3053% | 1,424 |
| Total risk-based capital ratio | 22.5526% | 1,400 |
| Memoranda: | ||
| Average total assets | $20,039,000 | 7,170 |
| Average earning assets | $17,427,500 | 7,162 |
| Average equity | $1,919,500 | 7,158 |
| Average total loans | $7,812,000 | 7,138 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8049% | 6,722 |
| Cost of funding earning assets | 0.7664% | 5,089 |
| Net interest margin | 3.0385% | 6,467 |
| Noninterest income to average assets | 0.4254% | 4,402 |
| Noninterest expense to average assets | 3.0790% | 3,275 |
| Loan and lease loss provision to assets | 0.0304% | 6,191 |
| Net operating income to assets | 0.2380% | 5,466 |
| Return on assets (ROA) | 0.2887% | 5,453 |
| Pretax return on assets | 0.1975% | 5,796 |
| Return on Equity (ROE) | 3.0213% | 5,278 |
| Retained earnings to average equity (ytd only) | 1.6962% | 5,005 |
| Net charge-offs to loans | 0.1918% | 4,607 |
| Credit loss provision to net charge-offs | 37.5000% | 5,671 |
| Earnings coverage of net charge-offs (x) | 2.1875% | 4,147 |
| Efficiency ratio | 94.5568% | 888 |
| Assets per employee ($millions) | 3.2780% | 5,560 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 3,734 |
| Loan loss allowance to noncurrent loans | 132.3529% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9610% | 4,689 |
| Noncurrent loans to loans | 1.1810% | 4,397 |
| Net loans and leases to total assets | 43.2276% | 6,271 |
| Net loans and leases to deposits | 51.7059% | 6,239 |
| Net loans and leases to core deposits | 51.7059% | 6,441 |
| Total domestic deposits to total assets | 83.6028% | 4,496 |
| Equity capital to assets | 9.6960% | 4,603 |
| Core capital (leverage) ratio | 9.4889% | 4,041 |
| Tier 1 risk-based capital ratio | 19.0198% | 1,884 |
| Total risk-based capital ratio | 20.2677% | 1,847 |
| Memoranda: | ||
| Average total assets | $19,746,800 | 7,209 |
| Average earning assets | $18,397,400 | 7,179 |
| Average equity | $1,886,600 | 7,224 |
| Average total loans | $8,341,200 | 7,170 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6856% | 6,946 |
| Cost of funding earning assets | 0.7903% | 5,214 |
| Net interest margin | 2.8954% | 6,756 |
| Noninterest income to average assets | 0.4047% | 4,632 |
| Noninterest expense to average assets | 3.0421% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0809% | 6,004 |
| Return on assets (ROA) | 0.1417% | 5,983 |
| Pretax return on assets | 0.1417% | 6,021 |
| Return on Equity (ROE) | 1.4882% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.4882% | 5,393 |
| Net charge-offs to loans | 0.0645% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.0019% | 3,634 |
| Efficiency ratio | 97.4082% | 756 |
| Assets per employee ($millions) | 3.3457% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,835 |
| Loan loss allowance to noncurrent loans | 195.8333% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 5,190 |
| Noncurrent loans to loans | 0.7980% | 5,277 |
| Net loans and leases to total assets | 44.2463% | 6,313 |
| Net loans and leases to deposits | 52.6466% | 6,317 |
| Net loans and leases to core deposits | 52.6466% | 6,533 |
| Total domestic deposits to total assets | 84.0440% | 4,210 |
| Equity capital to assets | 9.4849% | 5,113 |
| Core capital (leverage) ratio | 9.4995% | 4,144 |
| Tier 1 risk-based capital ratio | 17.9929% | 2,257 |
| Total risk-based capital ratio | 19.2473% | 2,217 |
| Memoranda: | ||
| Average total assets | $19,766,500 | 7,283 |
| Average earning assets | $18,558,000 | 7,245 |
| Average equity | $1,881,500 | 7,300 |
| Average total loans | $8,267,250 | 7,243 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6578% | 7,051 |
| Cost of funding earning assets | 0.8116% | 5,291 |
| Net interest margin | 2.8462% | 6,872 |
| Noninterest income to average assets | 0.3967% | 4,711 |
| Noninterest expense to average assets | 2.9801% | 3,715 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0832% | 6,053 |
| Return on assets (ROA) | 0.1017% | 6,090 |
| Pretax return on assets | 0.1119% | 6,087 |
| Return on Equity (ROE) | 1.0672% | 6,067 |
| Retained earnings to average equity (ytd only) | 1.0672% | 5,436 |
| Net charge-offs to loans | 0.0998% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 3,705 |
| Efficiency ratio | 97.0199% | 834 |
| Assets per employee ($millions) | 3.2540% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7324% | 3,214 |
| Loan loss allowance to noncurrent loans | 231.1475% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 5,387 |
| Noncurrent loans to loans | 0.7495% | 5,411 |
| Net loans and leases to total assets | 40.9650% | 6,672 |
| Net loans and leases to deposits | 47.7407% | 6,739 |
| Net loans and leases to core deposits | 47.7407% | 6,864 |
| Total domestic deposits to total assets | 85.8072% | 3,436 |
| Equity capital to assets | 9.7265% | 4,503 |
| Core capital (leverage) ratio | 9.4472% | 4,032 |
| Tier 1 risk-based capital ratio | 19.7839% | 1,654 |
| Total risk-based capital ratio | 21.0337% | 1,626 |
| Memoranda: | ||
| Average total assets | $19,664,000 | 7,357 |
| Average earning assets | $18,481,000 | 7,317 |
| Average equity | $1,874,000 | 7,368 |
| Average total loans | $8,015,330 | 7,323 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 7,170 |
| Cost of funding earning assets | 0.8364% | 5,355 |
| Net interest margin | 2.7237% | 6,990 |
| Noninterest income to average assets | 0.3446% | 5,160 |
| Noninterest expense to average assets | 2.8783% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0405% | 6,253 |
| Return on assets (ROA) | 0.0608% | 6,253 |
| Pretax return on assets | 0.0608% | 6,253 |
| Return on Equity (ROE) | 0.6446% | 6,234 |
| Retained earnings to average equity (ytd only) | 0.6446% | 5,571 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6111% | 804 |
| Assets per employee ($millions) | 3.2780% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8736% | 2,779 |
| Loan loss allowance to noncurrent loans | 183.5443% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 5,176 |
| Noncurrent loans to loans | 1.0208% | 5,015 |
| Net loans and leases to total assets | 38.6109% | 6,867 |
| Net loans and leases to deposits | 44.4197% | 6,939 |
| Net loans and leases to core deposits | 44.4197% | 7,028 |
| Total domestic deposits to total assets | 86.9229% | 2,983 |
| Equity capital to assets | 9.4621% | 4,487 |
| Core capital (leverage) ratio | 9.2753% | 4,158 |
| Tier 1 risk-based capital ratio | 20.5295% | 1,468 |
| Total risk-based capital ratio | 21.7871% | 1,450 |
| Memoranda: | ||
| Average total assets | $19,734,000 | 7,413 |
| Average earning assets | $18,651,000 | 7,368 |
| Average equity | $1,861,500 | 7,421 |
| Average total loans | $7,953,500 | 7,386 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1966% | 6,926 |
| Cost of funding earning assets | 1.1909% | 4,616 |
| Net interest margin | 3.0057% | 6,726 |
| Noninterest income to average assets | 0.4108% | 4,819 |
| Noninterest expense to average assets | 3.3654% | 2,537 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.1633% | 6,063 |
| Return on assets (ROA) | 0.0948% | 5,741 |
| Pretax return on assets | 0.0948% | 5,710 |
| Return on Equity (ROE) | 0.9599% | 5,713 |
| Retained earnings to average equity (ytd only) | 0.9599% | 5,074 |
| Net charge-offs to loans | 0.1497% | 5,456 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -2.3846% | 6,724 |
| Efficiency ratio | 105.0987% | 645 |
| Assets per employee ($millions) | 3.3000% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7752% | 2,945 |
| Loan loss allowance to noncurrent loans | 219.6970% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 5,423 |
| Noncurrent loans to loans | 0.8080% | 5,432 |
| Net loans and leases to total assets | 40.5202% | 6,935 |
| Net loans and leases to deposits | 46.5776% | 7,019 |
| Net loans and leases to core deposits | 46.5776% | 7,121 |
| Total domestic deposits to total assets | 86.9949% | 2,824 |
| Equity capital to assets | 9.4040% | 4,544 |
| Core capital (leverage) ratio | 9.8751% | 3,236 |
| Tier 1 risk-based capital ratio | 19.7554% | 1,538 |
| Total risk-based capital ratio | 21.0101% | 1,507 |
| Memoranda: | ||
| Average total assets | $18,987,200 | 7,487 |
| Average earning assets | $17,633,200 | 7,459 |
| Average equity | $1,875,200 | 7,522 |
| Average total loans | $8,683,800 | 7,438 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 6,970 |
| Cost of funding earning assets | 1.2581% | 4,508 |
| Net interest margin | 3.0380% | 6,754 |
| Noninterest income to average assets | 0.4117% | 4,865 |
| Noninterest expense to average assets | 3.4283% | 2,212 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.1897% | 6,309 |
| Return on assets (ROA) | 0.0781% | 5,966 |
| Pretax return on assets | 0.0852% | 5,940 |
| Return on Equity (ROE) | 0.7809% | 5,952 |
| Retained earnings to average equity (ytd only) | 0.7809% | 5,497 |
| Net charge-offs to loans | 0.0605% | 5,908 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -7.2552% | 6,612 |
| Efficiency ratio | 106.3877% | 593 |
| Assets per employee ($millions) | 3.0872% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 3,152 |
| Loan loss allowance to noncurrent loans | 131.6239% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 4,816 |
| Noncurrent loans to loans | 1.2908% | 4,702 |
| Net loans and leases to total assets | 48.1024% | 6,513 |
| Net loans and leases to deposits | 56.0483% | 6,615 |
| Net loans and leases to core deposits | 56.0483% | 6,855 |
| Total domestic deposits to total assets | 85.8230% | 3,170 |
| Equity capital to assets | 10.1333% | 3,970 |
| Core capital (leverage) ratio | 9.8526% | 3,427 |
| Tier 1 risk-based capital ratio | 18.7367% | 1,812 |
| Total risk-based capital ratio | 19.9818% | 1,783 |
| Memoranda: | ||
| Average total assets | $18,784,000 | 7,588 |
| Average earning assets | $17,379,750 | 7,564 |
| Average equity | $1,878,500 | 7,619 |
| Average total loans | $8,812,750 | 7,529 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2707% | 7,091 |
| Cost of funding earning assets | 1.2777% | 4,666 |
| Net interest margin | 2.9929% | 6,840 |
| Noninterest income to average assets | 0.3921% | 4,973 |
| Noninterest expense to average assets | 3.4020% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.2544% | 6,418 |
| Return on assets (ROA) | 0.1378% | 5,873 |
| Pretax return on assets | 0.1378% | 5,905 |
| Return on Equity (ROE) | 1.3837% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.3837% | 5,190 |
| Net charge-offs to loans | 0.0916% | 5,216 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 6,293 |
| Efficiency ratio | 108.0808% | 587 |
| Assets per employee ($millions) | 3.1060% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 2,942 |
| Loan loss allowance to noncurrent loans | 108.4507% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 4,592 |
| Noncurrent loans to loans | 1.6013% | 4,309 |
| Net loans and leases to total assets | 46.7590% | 6,725 |
| Net loans and leases to deposits | 54.9225% | 6,798 |
| Net loans and leases to core deposits | 54.9225% | 6,996 |
| Total domestic deposits to total assets | 85.1363% | 3,554 |
| Equity capital to assets | 10.0880% | 3,901 |
| Core capital (leverage) ratio | 9.6313% | 3,637 |
| Tier 1 risk-based capital ratio | 18.8518% | 1,756 |
| Total risk-based capital ratio | 20.1038% | 1,727 |
| Memoranda: | ||
| Average total assets | $18,871,000 | 7,654 |
| Average earning assets | $17,374,330 | 7,630 |
| Average equity | $1,879,000 | 7,685 |
| Average total loans | $8,729,000 | 7,597 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 7,170 |
| Cost of funding earning assets | 1.3173% | 4,714 |
| Net interest margin | 2.9582% | 6,927 |
| Noninterest income to average assets | 0.3581% | 5,274 |
| Noninterest expense to average assets | 3.4547% | 2,091 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.4002% | 6,759 |
| Return on assets (ROA) | 0.0843% | 6,171 |
| Pretax return on assets | 0.0843% | 6,177 |
| Return on Equity (ROE) | 0.8517% | 6,159 |
| Retained earnings to average equity (ytd only) | 0.8517% | 5,474 |
| Net charge-offs to loans | 0.1848% | 3,813 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -4.7500% | 5,533 |
| Efficiency ratio | 113.1034% | 542 |
| Assets per employee ($millions) | 3.0450% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 2,696 |
| Loan loss allowance to noncurrent loans | 128.3333% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1823% | 4,812 |
| Noncurrent loans to loans | 1.4131% | 4,616 |
| Net loans and leases to total assets | 45.6377% | 6,856 |
| Net loans and leases to deposits | 53.7242% | 6,934 |
| Net loans and leases to core deposits | 53.7242% | 7,121 |
| Total domestic deposits to total assets | 84.9480% | 3,699 |
| Equity capital to assets | 10.2080% | 3,596 |
| Core capital (leverage) ratio | 9.6252% | 3,611 |
| Tier 1 risk-based capital ratio | 19.9265% | 1,538 |
| Total risk-based capital ratio | 21.1800% | 1,506 |
| Memoranda: | ||
| Average total assets | $18,988,500 | 7,747 |
| Average earning assets | $17,308,000 | 7,723 |
| Average equity | $1,878,500 | 7,770 |
| Average total loans | $8,659,500 | 7,696 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 6,568 |
| Cost of funding earning assets | 1.9482% | 3,224 |
| Net interest margin | 3.0065% | 6,628 |
| Noninterest income to average assets | 0.4465% | 4,836 |
| Noninterest expense to average assets | 3.3432% | 2,858 |
| Loan and lease loss provision to assets | 0.0467% | 7,099 |
| Net operating income to assets | -0.2336% | 5,879 |
| Return on assets (ROA) | 0.0883% | 5,284 |
| Pretax return on assets | 0.0623% | 5,295 |
| Return on Equity (ROE) | 0.8921% | 5,263 |
| Retained earnings to average equity (ytd only) | 0.6297% | 4,557 |
| Net charge-offs to loans | 0.3766% | 4,322 |
| Credit loss provision to net charge-offs | 27.2727% | 6,909 |
| Earnings coverage of net charge-offs (x) | -1.2424% | 6,921 |
| Efficiency ratio | 106.7993% | 885 |
| Assets per employee ($millions) | 3.2845% | 5,526 |
| Cash dividends to net income (ytd only)* | 29.4118% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 2,583 |
| Loan loss allowance to noncurrent loans | 68.6957% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.1671% | 4,761 |
| Noncurrent loans to loans | 2.6056% | 2,953 |
| Net loans and leases to total assets | 43.9894% | 7,116 |
| Net loans and leases to deposits | 52.3617% | 7,136 |
| Net loans and leases to core deposits | 58.4795% | 7,324 |
| Total domestic deposits to total assets | 84.0108% | 4,019 |
| Equity capital to assets | 9.6006% | 4,270 |
| Core capital (leverage) ratio | 9.6497% | 3,519 |
| Tier 1 risk-based capital ratio | 18.1477% | 1,853 |
| Total risk-based capital ratio | 19.4003% | 1,807 |
| Memoranda: | ||
| Average total assets | $19,262,800 | 7,795 |
| Average earning assets | $17,195,800 | 7,784 |
| Average equity | $1,905,600 | 7,858 |
| Average total loans | $8,763,200 | 7,753 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9875% | 6,639 |
| Cost of funding earning assets | 2.0697% | 3,035 |
| Net interest margin | 2.9178% | 6,813 |
| Noninterest income to average assets | 0.4247% | 5,094 |
| Noninterest expense to average assets | 3.3138% | 2,857 |
| Loan and lease loss provision to assets | 0.0348% | 7,007 |
| Net operating income to assets | -0.2350% | 6,119 |
| Return on assets (ROA) | 0.0209% | 5,717 |
| Pretax return on assets | 0.0278% | 5,652 |
| Return on Equity (ROE) | 0.2095% | 5,712 |
| Retained earnings to average equity (ytd only) | 0.2095% | 5,112 |
| Net charge-offs to loans | 0.3658% | 3,821 |
| Credit loss provision to net charge-offs | 20.8333% | 6,566 |
| Earnings coverage of net charge-offs (x) | -1.6666% | 6,711 |
| Efficiency ratio | 109.1743% | 780 |
| Assets per employee ($millions) | 3.2120% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 2,424 |
| Loan loss allowance to noncurrent loans | 69.9571% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.2090% | 4,655 |
| Noncurrent loans to loans | 2.5097% | 2,998 |
| Net loans and leases to total assets | 47.3277% | 7,010 |
| Net loans and leases to deposits | 55.8885% | 7,096 |
| Net loans and leases to core deposits | 63.5123% | 7,264 |
| Total domestic deposits to total assets | 84.6824% | 3,385 |
| Equity capital to assets | 9.8381% | 4,304 |
| Core capital (leverage) ratio | 9.6363% | 3,732 |
| Tier 1 risk-based capital ratio | 17.5855% | 2,102 |
| Total risk-based capital ratio | 18.8436% | 2,055 |
| Memoranda: | ||
| Average total assets | $19,151,750 | 7,876 |
| Average earning assets | $17,136,000 | 7,869 |
| Average equity | $1,909,000 | 7,935 |
| Average total loans | $8,747,250 | 7,831 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 6,456 |
| Cost of funding earning assets | 2.1630% | 2,971 |
| Net interest margin | 2.9313% | 6,731 |
| Noninterest income to average assets | 0.3977% | 5,314 |
| Noninterest expense to average assets | 3.2336% | 3,220 |
| Loan and lease loss provision to assets | 0.0523% | 6,705 |
| Net operating income to assets | -0.2545% | 6,267 |
| Return on assets (ROA) | 0.0733% | 5,731 |
| Pretax return on assets | 0.0837% | 5,710 |
| Return on Equity (ROE) | 0.7317% | 5,716 |
| Retained earnings to average equity (ytd only) | 0.7317% | 4,900 |
| Net charge-offs to loans | 0.5835% | 2,580 |
| Credit loss provision to net charge-offs | 20.0000% | 6,125 |
| Earnings coverage of net charge-offs (x) | -0.9200% | 6,214 |
| Efficiency ratio | 108.0420% | 908 |
| Assets per employee ($millions) | 3.0988% | 5,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8707% | 1,867 |
| Loan loss allowance to noncurrent loans | 64.5418% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.3500% | 4,256 |
| Noncurrent loans to loans | 2.8984% | 2,489 |
| Net loans and leases to total assets | 45.7054% | 7,216 |
| Net loans and leases to deposits | 54.2760% | 7,256 |
| Net loans and leases to core deposits | 61.1059% | 7,411 |
| Total domestic deposits to total assets | 84.2091% | 3,640 |
| Equity capital to assets | 10.2189% | 3,699 |
| Core capital (leverage) ratio | 9.3886% | 4,042 |
| Tier 1 risk-based capital ratio | 18.5654% | 1,869 |
| Total risk-based capital ratio | 19.8199% | 1,819 |
| Memoranda: | ||
| Average total assets | $19,111,670 | 7,955 |
| Average earning assets | $16,920,670 | 7,947 |
| Average equity | $1,913,330 | 8,021 |
| Average total loans | $8,568,330 | 7,927 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3062% | 5,871 |
| Cost of funding earning assets | 2.2575% | 2,894 |
| Net interest margin | 3.0487% | 6,344 |
| Noninterest income to average assets | 0.3923% | 5,273 |
| Noninterest expense to average assets | 3.0974% | 3,387 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0010% | 6,250 |
| Return on assets (ROA) | 0.4130% | 4,988 |
| Pretax return on assets | 0.4336% | 5,297 |
| Return on Equity (ROE) | 4.1667% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.1667% | 3,596 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 1,127 |
| Assets per employee ($millions) | 3.1588% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2293% | 1,050 |
| Loan loss allowance to noncurrent loans | 68.6792% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.3982% | 3,851 |
| Noncurrent loans to loans | 3.2460% | 1,985 |
| Net loans and leases to total assets | 42.1147% | 7,458 |
| Net loans and leases to deposits | 49.9781% | 7,494 |
| Net loans and leases to core deposits | 57.0143% | 7,566 |
| Total domestic deposits to total assets | 84.2663% | 3,572 |
| Equity capital to assets | 10.1673% | 3,802 |
| Core capital (leverage) ratio | 9.4940% | 3,995 |
| Tier 1 risk-based capital ratio | 19.1661% | 1,779 |
| Total risk-based capital ratio | 20.4003% | 1,747 |
| Memoranda: | ||
| Average total assets | $19,371,000 | 7,999 |
| Average earning assets | $17,187,500 | 7,986 |
| Average equity | $1,920,000 | 8,067 |
| Average total loans | $8,522,500 | 7,978 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1055% | 5,013 |
| Cost of funding earning assets | 2.7311% | 3,016 |
| Net interest margin | 3.3744% | 5,769 |
| Noninterest income to average assets | 0.4426% | 5,091 |
| Noninterest expense to average assets | 3.1961% | 3,353 |
| Loan and lease loss provision to assets | 0.1338% | 5,651 |
| Net operating income to assets | 0.1838% | 5,898 |
| Return on assets (ROA) | 0.3037% | 5,349 |
| Pretax return on assets | 0.3139% | 5,480 |
| Return on Equity (ROE) | 3.1789% | 5,165 |
| Retained earnings to average equity (ytd only) | 2.1013% | 3,928 |
| Net charge-offs to loans | 0.1419% | 4,796 |
| Credit loss provision to net charge-offs | 200.0000% | 2,433 |
| Earnings coverage of net charge-offs (x) | 4.8462% | 3,836 |
| Efficiency ratio | 90.7895% | 1,455 |
| Assets per employee ($millions) | 3.2982% | 5,217 |
| Cash dividends to net income (ytd only)* | 33.8983% | 3,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0493% | 1,150 |
| Loan loss allowance to noncurrent loans | 66.4234% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 3,419 |
| Noncurrent loans to loans | 3.0852% | 1,730 |
| Net loans and leases to total assets | 43.9588% | 7,469 |
| Net loans and leases to deposits | 52.5365% | 7,508 |
| Net loans and leases to core deposits | 59.3829% | 7,609 |
| Total domestic deposits to total assets | 83.6727% | 3,492 |
| Equity capital to assets | 9.6670% | 4,466 |
| Core capital (leverage) ratio | 9.5757% | 3,910 |
| Tier 1 risk-based capital ratio | 17.6023% | 2,149 |
| Total risk-based capital ratio | 18.8541% | 2,089 |
| Memoranda: | ||
| Average total assets | $19,430,200 | 8,035 |
| Average earning assets | $17,721,800 | 8,011 |
| Average equity | $1,856,000 | 8,146 |
| Average total loans | $9,160,200 | 7,980 |