Home > Collin Bank > Performance and Condition Ratios
Collin 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 | 3.3295% | 6,005 |
| Cost of funding earning assets | 0.7786% | 1,435 |
| Net interest margin | 2.5509% | 6,379 |
| Noninterest income to average assets | 0.1624% | 6,211 |
| Noninterest expense to average assets | 2.5776% | 4,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0771% | 6,176 |
| Return on assets (ROA) | 0.0771% | 6,231 |
| Pretax return on assets | 0.0771% | 6,230 |
| Return on Equity (ROE) | 0.5886% | 6,253 |
| Retained earnings to average equity (ytd only) | 0.5886% | 5,732 |
| Net charge-offs to loans | 0.3712% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.4768% | 4,705 |
| Efficiency ratio | 97.0959% | 566 |
| Assets per employee ($millions) | 8.6675% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 3,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 45.4649% | 5,596 |
| Net loans and leases to deposits | 65.0380% | 4,399 |
| Net loans and leases to core deposits | 85.8464% | 2,426 |
| Total domestic deposits to total assets | 69.9052% | 6,601 |
| Equity capital to assets | 14.8181% | 745 |
| Core capital (leverage) ratio | 15.0336% | 636 |
| Tier 1 risk-based capital ratio | 24.9298% | 875 |
| Total risk-based capital ratio | 26.1070% | 877 |
| Memoranda: | ||
| Average total assets | $195,426,000 | 3,105 |
| Average earning assets | $190,933,500 | 2,959 |
| Average equity | $25,597,000 | 2,607 |
| Average total loans | $85,130,000 | 3,834 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2050% | 6,221 |
| Cost of funding earning assets | 0.8328% | 1,244 |
| Net interest margin | 2.3722% | 6,575 |
| Noninterest income to average assets | 0.1243% | 6,433 |
| Noninterest expense to average assets | 2.6205% | 4,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1785% | 6,478 |
| Return on assets (ROA) | -0.1785% | 6,512 |
| Pretax return on assets | -0.1785% | 6,483 |
| Return on Equity (ROE) | -1.4159% | 6,489 |
| Retained earnings to average equity (ytd only) | -1.4159% | 6,112 |
| Net charge-offs to loans | 0.5459% | 1,207 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.7637% | 4,689 |
| Efficiency ratio | 107.3102% | 322 |
| Assets per employee ($millions) | 7.5242% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 3,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 5,798 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 43.2941% | 5,802 |
| Net loans and leases to deposits | 56.2409% | 5,311 |
| Net loans and leases to core deposits | 71.6160% | 4,092 |
| Total domestic deposits to total assets | 76.9799% | 6,129 |
| Equity capital to assets | 13.8924% | 1,000 |
| Core capital (leverage) ratio | 13.1625% | 1,110 |
| Tier 1 risk-based capital ratio | 25.6322% | 808 |
| Total risk-based capital ratio | 26.8488% | 794 |
| Memoranda: | ||
| Average total assets | $202,785,000 | 3,041 |
| Average earning assets | $198,126,000 | 2,891 |
| Average equity | $25,567,000 | 2,619 |
| Average total loans | $86,824,670 | 3,799 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0536% | 6,452 |
| Cost of funding earning assets | 0.8347% | 1,342 |
| Net interest margin | 2.2189% | 6,749 |
| Noninterest income to average assets | 0.2207% | 5,904 |
| Noninterest expense to average assets | 2.6650% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2768% | 6,559 |
| Return on assets (ROA) | -0.2768% | 6,596 |
| Pretax return on assets | -0.2768% | 6,588 |
| Return on Equity (ROE) | -2.2940% | 6,574 |
| Retained earnings to average equity (ytd only) | -2.2940% | 6,111 |
| Net charge-offs to loans | 0.2872% | 1,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -2.2769% | 4,030 |
| Efficiency ratio | 111.5897% | 309 |
| Assets per employee ($millions) | 7.8497% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6083% | 3,368 |
| Loan loss allowance to noncurrent loans | 239.9317% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 5,713 |
| Noncurrent loans to loans | 0.6703% | 4,776 |
| Net loans and leases to total assets | 42.1442% | 5,833 |
| Net loans and leases to deposits | 53.1351% | 5,508 |
| Net loans and leases to core deposits | 76.1568% | 3,301 |
| Total domestic deposits to total assets | 79.3152% | 5,907 |
| Equity capital to assets | 12.6487% | 1,620 |
| Core capital (leverage) ratio | 12.3172% | 1,419 |
| Tier 1 risk-based capital ratio | 23.1876% | 1,126 |
| Total risk-based capital ratio | 24.4374% | 1,109 |
| Memoranda: | ||
| Average total assets | $213,887,000 | 2,940 |
| Average earning assets | $208,935,000 | 2,790 |
| Average equity | $25,807,000 | 2,630 |
| Average total loans | $90,530,000 | 3,736 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5666% | 6,273 |
| Cost of funding earning assets | 1.0224% | 1,239 |
| Net interest margin | 2.5442% | 6,683 |
| Noninterest income to average assets | 0.2734% | 5,505 |
| Noninterest expense to average assets | 2.7977% | 4,028 |
| Loan and lease loss provision to assets | -0.0707% | 6,890 |
| Net operating income to assets | 0.0047% | 6,157 |
| Return on assets (ROA) | 0.1039% | 6,145 |
| Pretax return on assets | 0.1039% | 6,155 |
| Return on Equity (ROE) | 0.9245% | 6,145 |
| Retained earnings to average equity (ytd only) | 0.9245% | 5,408 |
| Net charge-offs to loans | -0.1633% | 6,911 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4152% | 483 |
| Assets per employee ($millions) | 7.4561% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 3,437 |
| Loan loss allowance to noncurrent loans | 2,228.7879% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 4,815 |
| Noncurrent loans to loans | 0.0705% | 6,313 |
| Net loans and leases to total assets | 41.2058% | 6,080 |
| Net loans and leases to deposits | 50.7351% | 5,907 |
| Net loans and leases to core deposits | 66.5156% | 4,687 |
| Total domestic deposits to total assets | 81.2175% | 5,332 |
| Equity capital to assets | 11.5338% | 2,412 |
| Core capital (leverage) ratio | 11.7483% | 1,705 |
| Tier 1 risk-based capital ratio | 21.6652% | 1,328 |
| Total risk-based capital ratio | 22.8779% | 1,309 |
| Memoranda: | ||
| Average total assets | $231,903,200 | 2,701 |
| Average earning assets | $224,080,800 | 2,576 |
| Average equity | $26,068,400 | 2,564 |
| Average total loans | $100,420,800 | 3,512 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 6,307 |
| Cost of funding earning assets | 1.0648% | 1,216 |
| Net interest margin | 2.5886% | 6,768 |
| Noninterest income to average assets | 0.3528% | 4,995 |
| Noninterest expense to average assets | 2.8118% | 3,947 |
| Loan and lease loss provision to assets | -0.0935% | 7,031 |
| Net operating income to assets | 0.1322% | 6,065 |
| Return on assets (ROA) | 0.2610% | 5,937 |
| Pretax return on assets | 0.2610% | 6,020 |
| Return on Equity (ROE) | 2.3365% | 5,935 |
| Retained earnings to average equity (ytd only) | 2.3365% | 5,170 |
| Net charge-offs to loans | -0.2141% | 7,004 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6206% | 580 |
| Assets per employee ($millions) | 8.1728% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 3,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 5,173 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 38.9491% | 6,353 |
| Net loans and leases to deposits | 47.6698% | 6,280 |
| Net loans and leases to core deposits | 61.6158% | 5,394 |
| Total domestic deposits to total assets | 81.7060% | 5,125 |
| Equity capital to assets | 11.2518% | 2,975 |
| Core capital (leverage) ratio | 11.0456% | 2,335 |
| Tier 1 risk-based capital ratio | 21.0540% | 1,516 |
| Total risk-based capital ratio | 22.2267% | 1,499 |
| Memoranda: | ||
| Average total assets | $233,958,500 | 2,711 |
| Average earning assets | $225,755,750 | 2,578 |
| Average equity | $26,135,750 | 2,576 |
| Average total loans | $102,115,750 | 3,507 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 6,090 |
| Cost of funding earning assets | 1.1159% | 1,144 |
| Net interest margin | 2.7066% | 6,701 |
| Noninterest income to average assets | 0.3640% | 4,921 |
| Noninterest expense to average assets | 3.0368% | 3,135 |
| Loan and lease loss provision to assets | -0.1408% | 7,125 |
| Net operating income to assets | 0.0713% | 6,221 |
| Return on assets (ROA) | 0.2619% | 5,918 |
| Pretax return on assets | 0.2619% | 6,031 |
| Return on Equity (ROE) | 2.3499% | 5,934 |
| Retained earnings to average equity (ytd only) | 2.3499% | 5,015 |
| Net charge-offs to loans | -0.3127% | 7,076 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3438% | 483 |
| Assets per employee ($millions) | 7.8991% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 4,121 |
| Loan loss allowance to noncurrent loans | 73.2205% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.4028% | 3,621 |
| Noncurrent loans to loans | 2.0199% | 2,926 |
| Net loans and leases to total assets | 40.0162% | 6,338 |
| Net loans and leases to deposits | 48.4720% | 6,282 |
| Net loans and leases to core deposits | 63.6687% | 5,240 |
| Total domestic deposits to total assets | 82.5553% | 4,932 |
| Equity capital to assets | 10.7130% | 3,439 |
| Core capital (leverage) ratio | 11.1379% | 2,172 |
| Tier 1 risk-based capital ratio | 20.8100% | 1,521 |
| Total risk-based capital ratio | 21.9745% | 1,506 |
| Memoranda: | ||
| Average total assets | $232,940,670 | 2,723 |
| Average earning assets | $224,044,000 | 2,599 |
| Average equity | $25,958,330 | 2,573 |
| Average total loans | $104,892,670 | 3,459 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 5,508 |
| Cost of funding earning assets | 1.1029% | 1,396 |
| Net interest margin | 2.9823% | 6,331 |
| Noninterest income to average assets | 0.0370% | 6,981 |
| Noninterest expense to average assets | 3.2814% | 2,347 |
| Loan and lease loss provision to assets | -0.2890% | 7,230 |
| Net operating income to assets | -0.1057% | 6,548 |
| Return on assets (ROA) | -0.1181% | 6,632 |
| Pretax return on assets | -0.1181% | 6,609 |
| Return on Equity (ROE) | -1.0379% | 6,628 |
| Retained earnings to average equity (ytd only) | -1.0379% | 6,158 |
| Net charge-offs to loans | -0.6096% | 7,164 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6752% | 291 |
| Assets per employee ($millions) | 7.0496% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 4,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4355% | 3,710 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 42.1219% | 6,184 |
| Net loans and leases to deposits | 50.7813% | 6,087 |
| Net loans and leases to core deposits | 70.9100% | 4,306 |
| Total domestic deposits to total assets | 82.9478% | 4,951 |
| Equity capital to assets | 10.4277% | 3,583 |
| Core capital (leverage) ratio | 11.6461% | 1,804 |
| Tier 1 risk-based capital ratio | 19.0533% | 1,973 |
| Total risk-based capital ratio | 20.1320% | 1,986 |
| Memoranda: | ||
| Average total assets | $226,975,500 | 2,803 |
| Average earning assets | $216,879,000 | 2,686 |
| Average equity | $25,821,000 | 2,585 |
| Average total loans | $107,609,500 | 3,421 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6736% | 4,358 |
| Cost of funding earning assets | 1.1556% | 2,316 |
| Net interest margin | 3.5180% | 5,081 |
| Noninterest income to average assets | -0.3302% | 7,217 |
| Noninterest expense to average assets | 3.0816% | 3,261 |
| Loan and lease loss provision to assets | 0.4088% | 2,549 |
| Net operating income to assets | -0.4211% | 6,434 |
| Return on assets (ROA) | 0.0087% | 6,144 |
| Pretax return on assets | 0.0087% | 6,113 |
| Return on Equity (ROE) | 0.0643% | 6,147 |
| Retained earnings to average equity (ytd only) | 0.0643% | 5,806 |
| Net charge-offs to loans | 1.5924% | 996 |
| Credit loss provision to net charge-offs | 42.6518% | 5,579 |
| Earnings coverage of net charge-offs (x) | -0.0128% | 5,838 |
| Efficiency ratio | 100.3991% | 656 |
| Assets per employee ($millions) | 6.0946% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 4,715 |
| Loan loss allowance to noncurrent loans | 73.1841% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 2.6789% | 2,272 |
| Noncurrent loans to loans | 1.8303% | 3,433 |
| Net loans and leases to total assets | 52.2872% | 5,265 |
| Net loans and leases to deposits | 69.5205% | 4,189 |
| Net loans and leases to core deposits | 98.6722% | 1,288 |
| Total domestic deposits to total assets | 75.2113% | 6,574 |
| Equity capital to assets | 12.5054% | 1,796 |
| Core capital (leverage) ratio | 12.9656% | 1,155 |
| Tier 1 risk-based capital ratio | 19.5940% | 1,732 |
| Total risk-based capital ratio | 20.7012% | 1,745 |
| Memoranda: | ||
| Average total assets | $195,934,200 | 3,102 |
| Average earning assets | $189,341,600 | 2,973 |
| Average equity | $26,425,400 | 2,443 |
| Average total loans | $117,934,200 | 3,217 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 4,566 |
| Cost of funding earning assets | 1.1667% | 2,523 |
| Net interest margin | 3.5087% | 5,153 |
| Noninterest income to average assets | -0.4598% | 7,340 |
| Noninterest expense to average assets | 3.0323% | 3,428 |
| Loan and lease loss provision to assets | 0.2762% | 3,305 |
| Net operating income to assets | -0.3590% | 6,553 |
| Return on assets (ROA) | 0.2057% | 5,821 |
| Pretax return on assets | 0.2057% | 5,885 |
| Return on Equity (ROE) | 1.4963% | 5,939 |
| Retained earnings to average equity (ytd only) | 1.4963% | 5,387 |
| Net charge-offs to loans | 1.5304% | 946 |
| Credit loss provision to net charge-offs | 29.0487% | 5,422 |
| Earnings coverage of net charge-offs (x) | -0.0871% | 5,650 |
| Efficiency ratio | 102.8090% | 584 |
| Assets per employee ($millions) | 5.7639% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 4,601 |
| Loan loss allowance to noncurrent loans | 28.3984% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 2.7422% | 2,367 |
| Noncurrent loans to loans | 4.8972% | 1,289 |
| Net loans and leases to total assets | 55.2165% | 4,970 |
| Net loans and leases to deposits | 74.4025% | 3,600 |
| Net loans and leases to core deposits | 118.0340% | 438 |
| Total domestic deposits to total assets | 74.2132% | 6,731 |
| Equity capital to assets | 13.1405% | 1,540 |
| Core capital (leverage) ratio | 12.8332% | 1,281 |
| Tier 1 risk-based capital ratio | 20.3773% | 1,594 |
| Total risk-based capital ratio | 21.5945% | 1,573 |
| Memoranda: | ||
| Average total assets | $193,114,000 | 3,159 |
| Average earning assets | $187,643,750 | 3,004 |
| Average equity | $26,553,500 | 2,438 |
| Average total loans | $119,963,250 | 3,198 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 4,823 |
| Cost of funding earning assets | 1.1359% | 2,990 |
| Net interest margin | 3.4986% | 5,175 |
| Noninterest income to average assets | 0.0484% | 7,054 |
| Noninterest expense to average assets | 3.0656% | 3,375 |
| Loan and lease loss provision to assets | 0.0263% | 5,976 |
| Net operating income to assets | 0.3564% | 5,151 |
| Return on assets (ROA) | 0.6865% | 3,738 |
| Pretax return on assets | 0.6865% | 4,429 |
| Return on Equity (ROE) | 4.9156% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.9156% | 3,051 |
| Net charge-offs to loans | 1.0483% | 1,502 |
| Credit loss provision to net charge-offs | 3.9002% | 5,302 |
| Earnings coverage of net charge-offs (x) | 0.5679% | 4,878 |
| Efficiency ratio | 88.9024% | 1,332 |
| Assets per employee ($millions) | 6.3839% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 3,391 |
| Loan loss allowance to noncurrent loans | 28.5061% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 4.8574% | 1,271 |
| Noncurrent loans to loans | 5.8906% | 1,029 |
| Net loans and leases to total assets | 55.4045% | 5,083 |
| Net loans and leases to deposits | 73.2164% | 3,916 |
| Net loans and leases to core deposits | 117.9997% | 473 |
| Total domestic deposits to total assets | 75.6722% | 6,646 |
| Equity capital to assets | 13.2413% | 1,413 |
| Core capital (leverage) ratio | 14.4640% | 769 |
| Tier 1 risk-based capital ratio | 19.3066% | 1,755 |
| Total risk-based capital ratio | 20.5582% | 1,728 |
| Memoranda: | ||
| Average total assets | $190,240,330 | 3,222 |
| Average earning assets | $184,874,670 | 3,060 |
| Average equity | $26,568,330 | 2,417 |
| Average total loans | $122,297,000 | 3,185 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 4,178 |
| Cost of funding earning assets | 1.1497% | 3,160 |
| Net interest margin | 3.6256% | 4,455 |
| Noninterest income to average assets | 0.0218% | 7,234 |
| Noninterest expense to average assets | 3.0827% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4847% | 4,553 |
| Return on assets (ROA) | 0.9955% | 2,242 |
| Pretax return on assets | 0.9955% | 3,144 |
| Return on Equity (ROE) | 6.9281% | 3,418 |
| Retained earnings to average equity (ytd only) | 6.9281% | 2,176 |
| Net charge-offs to loans | 1.5029% | 909 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.4693% | 4,269 |
| Efficiency ratio | 86.4137% | 1,666 |
| Assets per employee ($millions) | 5.3881% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 3,275 |
| Loan loss allowance to noncurrent loans | 20.3709% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 5.8735% | 1,004 |
| Noncurrent loans to loans | 8.4475% | 561 |
| Net loans and leases to total assets | 64.7192% | 3,303 |
| Net loans and leases to deposits | 82.3080% | 2,306 |
| Net loans and leases to core deposits | 123.3669% | 360 |
| Total domestic deposits to total assets | 78.6305% | 6,267 |
| Equity capital to assets | 14.5025% | 876 |
| Core capital (leverage) ratio | 14.5247% | 737 |
| Tier 1 risk-based capital ratio | 20.1338% | 1,566 |
| Total risk-based capital ratio | 21.3872% | 1,526 |
| Memoranda: | ||
| Average total assets | $183,218,000 | 3,352 |
| Average earning assets | $179,170,500 | 3,161 |
| Average equity | $26,327,500 | 2,426 |
| Average total loans | $125,887,500 | 3,136 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 4,938 |
| Cost of funding earning assets | 1.3868% | 3,355 |
| Net interest margin | 3.5279% | 5,119 |
| Noninterest income to average assets | 0.0568% | 7,078 |
| Noninterest expense to average assets | 2.5742% | 5,531 |
| Loan and lease loss provision to assets | 0.7432% | 2,207 |
| Net operating income to assets | 0.1848% | 5,323 |
| Return on assets (ROA) | 0.2505% | 5,259 |
| Pretax return on assets | 0.2505% | 5,353 |
| Return on Equity (ROE) | 1.5968% | 5,526 |
| Retained earnings to average equity (ytd only) | 1.5968% | 4,723 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5018% | 3,488 |
| Assets per employee ($millions) | 6.5443% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9438% | 2,432 |
| Loan loss allowance to noncurrent loans | 72.0056% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.9319% | 3,434 |
| Noncurrent loans to loans | 2.6995% | 2,820 |
| Net loans and leases to total assets | 70.1741% | 2,503 |
| Net loans and leases to deposits | 95.5440% | 907 |
| Net loans and leases to core deposits | 146.5847% | 186 |
| Total domestic deposits to total assets | 73.4468% | 6,954 |
| Equity capital to assets | 14.2365% | 970 |
| Core capital (leverage) ratio | 15.2515% | 623 |
| Tier 1 risk-based capital ratio | 18.8825% | 1,749 |
| Total risk-based capital ratio | 20.1403% | 1,717 |
| Memoranda: | ||
| Average total assets | $167,239,600 | 3,588 |
| Average earning assets | $163,327,600 | 3,389 |
| Average equity | $26,239,400 | 2,433 |
| Average total loans | $113,836,800 | 3,451 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 5,088 |
| Cost of funding earning assets | 1.4646% | 3,184 |
| Net interest margin | 3.4728% | 5,409 |
| Noninterest income to average assets | 0.0482% | 7,280 |
| Noninterest expense to average assets | 2.5108% | 5,675 |
| Loan and lease loss provision to assets | 0.2034% | 5,019 |
| Net operating income to assets | 0.7212% | 3,317 |
| Return on assets (ROA) | 0.8111% | 3,103 |
| Pretax return on assets | 0.8111% | 3,864 |
| Return on Equity (ROE) | 5.0384% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.0384% | 2,962 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0861% | 3,505 |
| Assets per employee ($millions) | 6.6060% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 4,949 |
| Loan loss allowance to noncurrent loans | 43.9266% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 2.1435% | 3,276 |
| Noncurrent loans to loans | 2.9670% | 2,690 |
| Net loans and leases to total assets | 71.3047% | 2,405 |
| Net loans and leases to deposits | 90.6990% | 1,624 |
| Net loans and leases to core deposits | 132.4266% | 343 |
| Total domestic deposits to total assets | 78.6169% | 6,113 |
| Equity capital to assets | 16.1963% | 641 |
| Core capital (leverage) ratio | 15.5128% | 634 |
| Tier 1 risk-based capital ratio | 21.8120% | 1,233 |
| Total risk-based capital ratio | 23.0366% | 1,215 |
| Memoranda: | ||
| Average total assets | $163,239,500 | 3,689 |
| Average earning assets | $159,216,500 | 3,511 |
| Average equity | $26,277,500 | 2,474 |
| Average total loans | $109,512,000 | 3,612 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 5,561 |
| Cost of funding earning assets | 1.4811% | 3,361 |
| Net interest margin | 3.3826% | 5,706 |
| Noninterest income to average assets | 0.0307% | 7,429 |
| Noninterest expense to average assets | 2.4600% | 5,878 |
| Loan and lease loss provision to assets | 0.1390% | 5,505 |
| Net operating income to assets | 0.7269% | 3,287 |
| Return on assets (ROA) | 0.8622% | 2,822 |
| Pretax return on assets | 0.8622% | 3,650 |
| Return on Equity (ROE) | 5.3674% | 4,102 |
| Retained earnings to average equity (ytd only) | 5.3674% | 2,690 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9645% | 3,478 |
| Assets per employee ($millions) | 7.6843% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 5,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.9303% | 4,698 |
| Net loans and leases to deposits | 81.9489% | 3,282 |
| Net loans and leases to core deposits | 124.3496% | 564 |
| Total domestic deposits to total assets | 75.5719% | 6,766 |
| Equity capital to assets | 14.9950% | 886 |
| Core capital (leverage) ratio | 15.8591% | 584 |
| Tier 1 risk-based capital ratio | 22.0795% | 1,189 |
| Total risk-based capital ratio | 23.2737% | 1,172 |
| Memoranda: | ||
| Average total assets | $162,603,000 | 3,730 |
| Average earning assets | $158,400,000 | 3,543 |
| Average equity | $26,120,670 | 2,482 |
| Average total loans | $106,244,670 | 3,709 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9565% | 5,209 |
| Cost of funding earning assets | 1.5463% | 3,291 |
| Net interest margin | 3.4102% | 5,541 |
| Noninterest income to average assets | 0.0283% | 7,567 |
| Noninterest expense to average assets | 2.4123% | 6,043 |
| Loan and lease loss provision to assets | 0.1620% | 4,907 |
| Net operating income to assets | 0.7664% | 3,127 |
| Return on assets (ROA) | 0.7664% | 3,241 |
| Pretax return on assets | 0.7664% | 4,001 |
| Return on Equity (ROE) | 4.5970% | 4,595 |
| Retained earnings to average equity (ytd only) | 4.5970% | 3,386 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2094% | 3,891 |
| Assets per employee ($millions) | 7.4959% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 4,941 |
| Loan loss allowance to noncurrent loans | 240.4218% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 6,572 |
| Noncurrent loans to loans | 0.5407% | 6,207 |
| Net loans and leases to total assets | 65.9787% | 3,855 |
| Net loans and leases to deposits | 90.5263% | 1,827 |
| Net loans and leases to core deposits | 153.0625% | 225 |
| Total domestic deposits to total assets | 72.8834% | 7,178 |
| Equity capital to assets | 16.6066% | 584 |
| Core capital (leverage) ratio | 16.6927% | 480 |
| Tier 1 risk-based capital ratio | 23.0114% | 1,080 |
| Total risk-based capital ratio | 24.2324% | 1,055 |
| Memoranda: | ||
| Average total assets | $155,535,000 | 3,917 |
| Average earning assets | $151,075,000 | 3,739 |
| Average equity | $25,930,000 | 2,517 |
| Average total loans | $103,930,500 | 3,825 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5253% | 4,014 |
| Cost of funding earning assets | 2.3032% | 1,642 |
| Net interest margin | 3.2222% | 6,021 |
| Noninterest income to average assets | 0.0290% | 7,596 |
| Noninterest expense to average assets | 2.7960% | 4,990 |
| Loan and lease loss provision to assets | 0.6120% | 3,349 |
| Net operating income to assets | -0.2359% | 5,883 |
| Return on assets (ROA) | 0.1920% | 4,993 |
| Pretax return on assets | 0.1920% | 5,024 |
| Return on Equity (ROE) | 0.9607% | 5,246 |
| Retained earnings to average equity (ytd only) | 0.9607% | 4,360 |
| Net charge-offs to loans | 0.2089% | 5,319 |
| Credit loss provision to net charge-offs | 443.7500% | 698 |
| Earnings coverage of net charge-offs (x) | 2.7273% | 3,737 |
| Efficiency ratio | 88.1423% | 1,867 |
| Assets per employee ($millions) | 7.3170% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 4,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 65.9449% | 4,160 |
| Net loans and leases to deposits | 91.0700% | 2,034 |
| Net loans and leases to core deposits | 141.6991% | 747 |
| Total domestic deposits to total assets | 72.4113% | 7,209 |
| Equity capital to assets | 16.7379% | 585 |
| Core capital (leverage) ratio | 16.7329% | 521 |
| Tier 1 risk-based capital ratio | 20.8306% | 1,321 |
| Total risk-based capital ratio | 21.8989% | 1,320 |
| Memoranda: | ||
| Average total assets | $127,609,400 | 4,390 |
| Average earning assets | $124,481,600 | 4,205 |
| Average equity | $25,502,800 | 2,562 |
| Average total loans | $84,239,200 | 4,376 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5295% | 4,274 |
| Cost of funding earning assets | 2.4539% | 1,433 |
| Net interest margin | 3.0756% | 6,381 |
| Noninterest income to average assets | 0.0297% | 7,736 |
| Noninterest expense to average assets | 2.7944% | 4,919 |
| Loan and lease loss provision to assets | 0.5582% | 3,155 |
| Net operating income to assets | -0.3160% | 6,222 |
| Return on assets (ROA) | 0.1486% | 5,388 |
| Pretax return on assets | 0.1486% | 5,420 |
| Return on Equity (ROE) | 0.7073% | 5,576 |
| Retained earnings to average equity (ytd only) | 0.7073% | 4,889 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0232% | 1,541 |
| Assets per employee ($millions) | 8.6737% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 5,388 |
| Loan loss allowance to noncurrent loans | 101.7707% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 5,491 |
| Noncurrent loans to loans | 1.1346% | 5,052 |
| Net loans and leases to total assets | 70.0691% | 3,497 |
| Net loans and leases to deposits | 91.3333% | 2,340 |
| Net loans and leases to core deposits | 153.7394% | 499 |
| Total domestic deposits to total assets | 76.7180% | 6,417 |
| Equity capital to assets | 17.3757% | 578 |
| Core capital (leverage) ratio | 18.9090% | 384 |
| Tier 1 risk-based capital ratio | 21.6557% | 1,265 |
| Total risk-based capital ratio | 22.6871% | 1,273 |
| Memoranda: | ||
| Average total assets | $121,097,500 | 4,567 |
| Average earning assets | $118,393,000 | 4,374 |
| Average equity | $25,448,750 | 2,590 |
| Average total loans | $79,640,500 | 4,557 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5846% | 4,147 |
| Cost of funding earning assets | 2.5837% | 1,332 |
| Net interest margin | 3.0009% | 6,552 |
| Noninterest income to average assets | 0.0321% | 7,831 |
| Noninterest expense to average assets | 2.9240% | 4,414 |
| Loan and lease loss provision to assets | 0.4452% | 3,316 |
| Net operating income to assets | -0.4042% | 6,451 |
| Return on assets (ROA) | 0.0677% | 5,748 |
| Pretax return on assets | 0.0677% | 5,747 |
| Return on Equity (ROE) | 0.2993% | 5,839 |
| Retained earnings to average equity (ytd only) | 0.2993% | 5,100 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6186% | 1,243 |
| Assets per employee ($millions) | 8.4118% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 5,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 67.8135% | 4,181 |
| Net loans and leases to deposits | 92.7795% | 2,322 |
| Net loans and leases to core deposits | 166.5337% | 365 |
| Total domestic deposits to total assets | 73.0910% | 7,098 |
| Equity capital to assets | 20.1360% | 373 |
| Core capital (leverage) ratio | 20.5642% | 335 |
| Tier 1 risk-based capital ratio | 27.5430% | 744 |
| Total risk-based capital ratio | 28.5813% | 734 |
| Memoranda: | ||
| Average total assets | $112,312,330 | 4,817 |
| Average earning assets | $109,766,670 | 4,633 |
| Average equity | $25,391,330 | 2,612 |
| Average total loans | $71,345,330 | 4,909 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4442% | 5,208 |
| Cost of funding earning assets | 2.5768% | 1,632 |
| Net interest margin | 2.8674% | 6,842 |
| Noninterest income to average assets | 0.0342% | 7,907 |
| Noninterest expense to average assets | 2.8241% | 4,451 |
| Loan and lease loss provision to assets | 0.2657% | 3,839 |
| Net operating income to assets | -0.2467% | 6,614 |
| Return on assets (ROA) | 0.0000% | 6,399 |
| Pretax return on assets | 0.0000% | 6,374 |
| Return on Equity (ROE) | 0.0000% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,638 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3324% | 1,162 |
| Assets per employee ($millions) | 8.4068% | 431 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 56.6090% | 6,153 |
| Net loans and leases to deposits | 81.3892% | 4,392 |
| Net loans and leases to core deposits | 149.0415% | 741 |
| Total domestic deposits to total assets | 69.5535% | 7,467 |
| Equity capital to assets | 21.6288% | 323 |
| Core capital (leverage) ratio | 24.1716% | 253 |
| Tier 1 risk-based capital ratio | 32.9118% | 496 |
| Total risk-based capital ratio | 33.9208% | 495 |
| Memoranda: | ||
| Average total assets | $105,380,000 | 5,023 |
| Average earning assets | $103,229,500 | 4,829 |
| Average equity | $25,383,500 | 2,616 |
| Average total loans | $63,760,500 | 5,218 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 8,060 |
| Cost of funding earning assets | 1.3302% | 7,813 |
| Net interest margin | 2.9998% | 6,920 |
| Noninterest income to average assets | 0.0226% | 8,026 |
| Noninterest expense to average assets | 4.0991% | 1,285 |
| Loan and lease loss provision to assets | 1.3174% | 1,078 |
| Net operating income to assets | -2.5502% | 7,725 |
| Return on assets (ROA) | -3.4103% | 7,879 |
| Pretax return on assets | -3.4103% | 7,793 |
| Return on Equity (ROE) | -7.5472% | 7,097 |
| Retained earnings to average equity (ytd only) | -7.5472% | 6,841 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.0072% | 384 |
| Assets per employee ($millions) | 7.1588% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 4,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.8532% | 5,301 |
| Net loans and leases to deposits | 88.1454% | 3,781 |
| Net loans and leases to core deposits | 172.5414% | 365 |
| Total domestic deposits to total assets | 72.4408% | 6,924 |
| Equity capital to assets | 27.1971% | 215 |
| Core capital (leverage) ratio | 32.4619% | 158 |
| Tier 1 risk-based capital ratio | 38.7642% | 361 |
| Total risk-based capital ratio | 39.8466% | 355 |
| Memoranda: | ||
| Average total assets | $53,133,250 | 6,654 |
| Average earning assets | $50,369,500 | 6,577 |
| Average equity | $24,009,000 | 2,732 |
| Average total loans | $33,176,000 | 6,531 |