Home > Colorado Community Bank > Performance and Condition Ratios
Colorado Community Bank, Performance and Condition Ratios
| 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 | 4.6743% | 1,634 |
| Cost of funding earning assets | 0.3722% | 5,212 |
| Net interest margin | 4.3021% | 1,029 |
| Noninterest income to average assets | 0.4428% | 4,223 |
| Noninterest expense to average assets | 3.6724% | 1,296 |
| Loan and lease loss provision to assets | 0.3371% | 1,015 |
| Net operating income to assets | 0.0168% | 6,288 |
| Return on assets (ROA) | 0.0168% | 6,355 |
| Pretax return on assets | 0.0251% | 6,327 |
| Return on Equity (ROE) | 0.1116% | 6,356 |
| Retained earnings to average equity (ytd only) | 0.1116% | 5,818 |
| Net charge-offs to loans | -0.0053% | 5,648 |
| Credit loss provision to net charge-offs | -10,562.5000% | 6,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2723% | 1,104 |
| Assets per employee ($millions) | 4.2432% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3129% | 6,807 |
| Loan loss allowance to noncurrent loans | 3.1497% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 8.7013% | 207 |
| Noncurrent loans to loans | 9.9332% | 160 |
| Net loans and leases to total assets | 55.6973% | 4,340 |
| Net loans and leases to deposits | 67.2592% | 4,105 |
| Net loans and leases to core deposits | 70.1402% | 4,265 |
| Total domestic deposits to total assets | 82.8099% | 4,778 |
| Equity capital to assets | 16.3786% | 479 |
| Core capital (leverage) ratio | 10.0382% | 3,459 |
| Tier 1 risk-based capital ratio | 15.2861% | 3,610 |
| Total risk-based capital ratio | 15.5670% | 4,165 |
| Memoranda: | ||
| Average total assets | $501,365,000 | 1,333 |
| Average earning assets | $418,588,670 | 1,460 |
| Average equity | $75,298,670 | 964 |
| Average total loans | $300,363,670 | 1,403 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 3,398 |
| Cost of funding earning assets | 0.3226% | 5,781 |
| Net interest margin | 3.8536% | 2,269 |
| Noninterest income to average assets | 0.3598% | 4,790 |
| Noninterest expense to average assets | 2.8406% | 3,572 |
| Loan and lease loss provision to assets | 0.1968% | 1,885 |
| Net operating income to assets | 0.3645% | 5,284 |
| Return on assets (ROA) | 0.3645% | 5,421 |
| Pretax return on assets | 0.5763% | 5,034 |
| Return on Equity (ROE) | 2.5375% | 5,760 |
| Retained earnings to average equity (ytd only) | 2.5375% | 4,753 |
| Net charge-offs to loans | -0.0064% | 5,320 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6667% | 2,817 |
| Assets per employee ($millions) | 4.8825% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0874% | 6,942 |
| Loan loss allowance to noncurrent loans | 0.7535% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 9.7881% | 206 |
| Noncurrent loans to loans | 11.5991% | 145 |
| Net loans and leases to total assets | 57.4101% | 3,856 |
| Net loans and leases to deposits | 68.8248% | 3,664 |
| Net loans and leases to core deposits | 72.3229% | 3,779 |
| Total domestic deposits to total assets | 83.4149% | 4,702 |
| Equity capital to assets | 15.6936% | 607 |
| Core capital (leverage) ratio | 10.4560% | 2,837 |
| Tier 1 risk-based capital ratio | 15.0905% | 3,777 |
| Total risk-based capital ratio | 15.1688% | 4,523 |
| Memoranda: | ||
| Average total assets | $508,061,500 | 1,327 |
| Average earning assets | $429,003,000 | 1,432 |
| Average equity | $72,986,500 | 998 |
| Average total loans | $314,225,500 | 1,355 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 7,081 |
| Cost of funding earning assets | 0.0000% | 7,072 |
| Net interest margin | 0.0000% | 7,079 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 0.0000% | 7,081 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0000% | 6,168 |
| Return on assets (ROA) | 0.0000% | 6,303 |
| Pretax return on assets | 0.0000% | 6,282 |
| Return on Equity (ROE) | 0.0000% | 6,304 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | 5.8258% | 21 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,483 |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 5.5255% | 1,668 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 10.2936% | 207 |
| Noncurrent loans to loans | 10.5667% | 203 |
| Net loans and leases to total assets | 66.2307% | 2,493 |
| Net loans and leases to deposits | 76.8216% | 2,681 |
| Net loans and leases to core deposits | 81.1343% | 2,865 |
| Total domestic deposits to total assets | 86.2136% | 3,247 |
| Equity capital to assets | 13.0392% | 1,426 |
| Core capital (leverage) ratio | 11.8720% | 1,633 |
| Tier 1 risk-based capital ratio | 14.8580% | 3,796 |
| Total risk-based capital ratio | 14.8580% | 4,615 |
| Memoranda: | ||
| Average total assets | $513,248,400 | 1,304 |
| Average earning assets | $460,481,000 | 1,325 |
| Average equity | $58,070,000 | 1,222 |
| Average total loans | $381,975,200 | 1,093 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8824% | 2,078 |
| Cost of funding earning assets | 0.7165% | 3,622 |
| Net interest margin | 4.1659% | 1,845 |
| Noninterest income to average assets | 0.2180% | 5,982 |
| Noninterest expense to average assets | 2.8396% | 3,839 |
| Loan and lease loss provision to assets | 3.0036% | 39 |
| Net operating income to assets | -1.1224% | 6,892 |
| Return on assets (ROA) | -1.1224% | 6,915 |
| Pretax return on assets | -1.8449% | 7,010 |
| Return on Equity (ROE) | -10.3086% | 6,869 |
| Retained earnings to average equity (ytd only) | -10.3086% | 6,824 |
| Net charge-offs to loans | 3.8684% | 96 |
| Credit loss provision to net charge-offs | 101.5687% | 2,902 |
| Earnings coverage of net charge-offs (x) | 0.3918% | 5,136 |
| Efficiency ratio | 70.0350% | 3,678 |
| Assets per employee ($millions) | 5.2866% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0948% | 657 |
| Loan loss allowance to noncurrent loans | 24.9350% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 13.0976% | 127 |
| Noncurrent loans to loans | 12.4114% | 155 |
| Net loans and leases to total assets | 75.3311% | 1,072 |
| Net loans and leases to deposits | 85.1337% | 1,709 |
| Net loans and leases to core deposits | 90.6499% | 1,909 |
| Total domestic deposits to total assets | 88.4857% | 1,730 |
| Equity capital to assets | 10.7858% | 3,521 |
| Core capital (leverage) ratio | 10.2087% | 3,272 |
| Tier 1 risk-based capital ratio | 13.0892% | 5,177 |
| Total risk-based capital ratio | 14.3606% | 5,123 |
| Memoranda: | ||
| Average total assets | $514,474,750 | 1,314 |
| Average earning assets | $466,861,000 | 1,322 |
| Average equity | $56,016,500 | 1,277 |
| Average total loans | $393,299,250 | 1,073 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0532% | 1,653 |
| Cost of funding earning assets | 0.7501% | 3,605 |
| Net interest margin | 4.3032% | 1,471 |
| Noninterest income to average assets | 0.1970% | 6,149 |
| Noninterest expense to average assets | 2.8505% | 3,831 |
| Loan and lease loss provision to assets | 0.8075% | 615 |
| Net operating income to assets | 0.3005% | 5,620 |
| Return on assets (ROA) | 0.3005% | 5,821 |
| Pretax return on assets | 0.4772% | 5,501 |
| Return on Equity (ROE) | 2.7516% | 5,784 |
| Retained earnings to average equity (ytd only) | 2.7516% | 4,787 |
| Net charge-offs to loans | 0.9820% | 1,129 |
| Credit loss provision to net charge-offs | 108.1288% | 2,517 |
| Earnings coverage of net charge-offs (x) | 1.7203% | 4,124 |
| Efficiency ratio | 67.9531% | 4,130 |
| Assets per employee ($millions) | 5.5910% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9808% | 790 |
| Loan loss allowance to noncurrent loans | 27.6349% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 9.2114% | 319 |
| Noncurrent loans to loans | 10.7865% | 225 |
| Net loans and leases to total assets | 73.9133% | 1,258 |
| Net loans and leases to deposits | 83.9457% | 1,856 |
| Net loans and leases to core deposits | 89.1166% | 2,082 |
| Total domestic deposits to total assets | 88.0489% | 2,109 |
| Equity capital to assets | 11.1886% | 2,904 |
| Core capital (leverage) ratio | 10.9830% | 2,313 |
| Tier 1 risk-based capital ratio | 14.6501% | 4,000 |
| Total risk-based capital ratio | 15.9218% | 3,946 |
| Memoranda: | ||
| Average total assets | $523,843,000 | 1,292 |
| Average earning assets | $479,416,000 | 1,294 |
| Average equity | $57,202,330 | 1,245 |
| Average total loans | $398,369,330 | 1,061 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2402% | 1,230 |
| Cost of funding earning assets | 0.7925% | 3,532 |
| Net interest margin | 4.4477% | 1,115 |
| Noninterest income to average assets | 0.2384% | 5,926 |
| Noninterest expense to average assets | 3.0209% | 3,176 |
| Loan and lease loss provision to assets | 0.7454% | 681 |
| Net operating income to assets | 0.3405% | 5,510 |
| Return on assets (ROA) | 0.3405% | 5,688 |
| Pretax return on assets | 0.5494% | 5,285 |
| Return on Equity (ROE) | 3.1563% | 5,651 |
| Retained earnings to average equity (ytd only) | 3.1563% | 4,671 |
| Net charge-offs to loans | 0.6693% | 1,468 |
| Credit loss provision to net charge-offs | 146.5774% | 1,698 |
| Earnings coverage of net charge-offs (x) | 2.5461% | 3,151 |
| Efficiency ratio | 69.0689% | 3,970 |
| Assets per employee ($millions) | 5.7458% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9874% | 843 |
| Loan loss allowance to noncurrent loans | 39.4040% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 6.1788% | 743 |
| Noncurrent loans to loans | 7.5814% | 548 |
| Net loans and leases to total assets | 72.7054% | 1,274 |
| Net loans and leases to deposits | 82.2488% | 1,903 |
| Net loans and leases to core deposits | 87.4838% | 2,117 |
| Total domestic deposits to total assets | 88.3969% | 2,071 |
| Equity capital to assets | 10.8307% | 3,106 |
| Core capital (leverage) ratio | 10.7491% | 2,495 |
| Tier 1 risk-based capital ratio | 14.5414% | 4,072 |
| Total risk-based capital ratio | 15.8136% | 4,011 |
| Memoranda: | ||
| Average total assets | $528,578,000 | 1,282 |
| Average earning assets | $484,563,500 | 1,286 |
| Average equity | $57,028,000 | 1,244 |
| Average total loans | $401,618,500 | 1,053 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5924% | 973 |
| Cost of funding earning assets | 0.9701% | 3,580 |
| Net interest margin | 4.6223% | 881 |
| Noninterest income to average assets | 0.2414% | 5,813 |
| Noninterest expense to average assets | 2.7368% | 4,599 |
| Loan and lease loss provision to assets | 1.4249% | 534 |
| Net operating income to assets | 0.1862% | 5,632 |
| Return on assets (ROA) | 0.1862% | 5,763 |
| Pretax return on assets | 0.3206% | 5,507 |
| Return on Equity (ROE) | 1.7524% | 5,749 |
| Retained earnings to average equity (ytd only) | 1.7524% | 4,967 |
| Net charge-offs to loans | 1.8170% | 806 |
| Credit loss provision to net charge-offs | 99.4083% | 3,595 |
| Earnings coverage of net charge-offs (x) | 1.2178% | 4,868 |
| Efficiency ratio | 59.8671% | 5,778 |
| Assets per employee ($millions) | 5.6832% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8305% | 947 |
| Loan loss allowance to noncurrent loans | 47.9664% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 5.3285% | 968 |
| Noncurrent loans to loans | 5.9010% | 855 |
| Net loans and leases to total assets | 74.8378% | 1,117 |
| Net loans and leases to deposits | 85.0193% | 1,804 |
| Net loans and leases to core deposits | 90.5011% | 2,055 |
| Total domestic deposits to total assets | 88.0245% | 2,138 |
| Equity capital to assets | 10.7472% | 3,252 |
| Core capital (leverage) ratio | 10.5834% | 2,633 |
| Tier 1 risk-based capital ratio | 14.0142% | 4,318 |
| Total risk-based capital ratio | 15.2843% | 4,258 |
| Memoranda: | ||
| Average total assets | $530,555,800 | 1,257 |
| Average earning assets | $486,765,600 | 1,255 |
| Average equity | $56,379,600 | 1,206 |
| Average total loans | $418,539,800 | 1,004 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6835% | 875 |
| Cost of funding earning assets | 1.0094% | 3,615 |
| Net interest margin | 4.6741% | 807 |
| Noninterest income to average assets | 0.2488% | 5,838 |
| Noninterest expense to average assets | 2.5538% | 5,262 |
| Loan and lease loss provision to assets | 1.5767% | 421 |
| Net operating income to assets | 0.2611% | 5,535 |
| Return on assets (ROA) | 0.2611% | 5,686 |
| Pretax return on assets | 0.4105% | 5,436 |
| Return on Equity (ROE) | 2.4641% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.4641% | 4,889 |
| Net charge-offs to loans | 2.0537% | 607 |
| Credit loss provision to net charge-offs | 96.7493% | 3,541 |
| Earnings coverage of net charge-offs (x) | 1.2194% | 4,707 |
| Efficiency ratio | 55.0451% | 6,382 |
| Assets per employee ($millions) | 6.1914% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7730% | 1,058 |
| Loan loss allowance to noncurrent loans | 51.2964% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 4.6166% | 1,290 |
| Noncurrent loans to loans | 5.4059% | 1,106 |
| Net loans and leases to total assets | 75.6572% | 1,026 |
| Net loans and leases to deposits | 85.6522% | 1,730 |
| Net loans and leases to core deposits | 91.4480% | 2,058 |
| Total domestic deposits to total assets | 88.3307% | 1,855 |
| Equity capital to assets | 10.8156% | 3,337 |
| Core capital (leverage) ratio | 10.6085% | 2,750 |
| Tier 1 risk-based capital ratio | 14.0643% | 4,307 |
| Total risk-based capital ratio | 15.3340% | 4,266 |
| Memoranda: | ||
| Average total assets | $531,060,000 | 1,260 |
| Average earning assets | $487,667,500 | 1,252 |
| Average equity | $56,273,750 | 1,207 |
| Average total loans | $421,407,500 | 998 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7778% | 743 |
| Cost of funding earning assets | 1.0471% | 3,624 |
| Net interest margin | 4.7307% | 686 |
| Noninterest income to average assets | 0.2730% | 5,689 |
| Noninterest expense to average assets | 2.4590% | 5,666 |
| Loan and lease loss provision to assets | 1.2710% | 588 |
| Net operating income to assets | 0.5542% | 4,294 |
| Return on assets (ROA) | 0.5542% | 4,419 |
| Pretax return on assets | 0.8839% | 3,691 |
| Return on Equity (ROE) | 5.2659% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.2659% | 2,829 |
| Net charge-offs to loans | 1.7354% | 818 |
| Credit loss provision to net charge-offs | 91.7096% | 3,409 |
| Earnings coverage of net charge-offs (x) | 1.5549% | 4,124 |
| Efficiency ratio | 52.0833% | 6,781 |
| Assets per employee ($millions) | 6.2153% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6990% | 1,181 |
| Loan loss allowance to noncurrent loans | 474.5470% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 5,268 |
| Noncurrent loans to loans | 0.5688% | 5,787 |
| Net loans and leases to total assets | 76.8424% | 939 |
| Net loans and leases to deposits | 87.2753% | 1,611 |
| Net loans and leases to core deposits | 92.9525% | 2,023 |
| Total domestic deposits to total assets | 88.0460% | 2,109 |
| Equity capital to assets | 10.8447% | 3,136 |
| Core capital (leverage) ratio | 10.5413% | 2,672 |
| Tier 1 risk-based capital ratio | 13.8714% | 4,254 |
| Total risk-based capital ratio | 15.1401% | 4,214 |
| Memoranda: | ||
| Average total assets | $532,656,670 | 1,257 |
| Average earning assets | $488,765,670 | 1,253 |
| Average equity | $56,058,670 | 1,195 |
| Average total loans | $425,371,000 | 1,013 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9096% | 584 |
| Cost of funding earning assets | 1.0803% | 3,654 |
| Net interest margin | 4.8292% | 537 |
| Noninterest income to average assets | 0.2767% | 5,692 |
| Noninterest expense to average assets | 2.4172% | 5,834 |
| Loan and lease loss provision to assets | 1.2116% | 578 |
| Net operating income to assets | 0.6641% | 3,688 |
| Return on assets (ROA) | 0.6641% | 3,762 |
| Pretax return on assets | 1.0710% | 2,867 |
| Return on Equity (ROE) | 6.4068% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.4068% | 2,418 |
| Net charge-offs to loans | 1.5872% | 854 |
| Credit loss provision to net charge-offs | 95.0704% | 2,845 |
| Earnings coverage of net charge-offs (x) | 1.7911% | 3,408 |
| Efficiency ratio | 50.2228% | 6,973 |
| Assets per employee ($millions) | 6.3772% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7229% | 1,190 |
| Loan loss allowance to noncurrent loans | 255.6892% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 1.7268% | 3,663 |
| Noncurrent loans to loans | 1.0649% | 4,923 |
| Net loans and leases to total assets | 76.5829% | 949 |
| Net loans and leases to deposits | 86.7819% | 1,608 |
| Net loans and leases to core deposits | 92.3461% | 2,088 |
| Total domestic deposits to total assets | 88.2476% | 2,225 |
| Equity capital to assets | 10.5728% | 3,105 |
| Core capital (leverage) ratio | 10.4966% | 2,615 |
| Tier 1 risk-based capital ratio | 12.9847% | 4,839 |
| Total risk-based capital ratio | 14.2524% | 4,810 |
| Memoranda: | ||
| Average total assets | $534,834,000 | 1,257 |
| Average earning assets | $489,850,500 | 1,253 |
| Average equity | $55,441,500 | 1,191 |
| Average total loans | $429,446,000 | 1,016 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3384% | 428 |
| Cost of funding earning assets | 1.4258% | 3,098 |
| Net interest margin | 4.9126% | 531 |
| Noninterest income to average assets | 0.1554% | 6,611 |
| Noninterest expense to average assets | 2.3132% | 6,318 |
| Loan and lease loss provision to assets | 1.8712% | 730 |
| Net operating income to assets | 0.2802% | 5,002 |
| Return on assets (ROA) | 0.2802% | 5,168 |
| Pretax return on assets | 0.4675% | 4,733 |
| Return on Equity (ROE) | 2.7350% | 5,069 |
| Retained earnings to average equity (ytd only) | 0.5099% | 5,322 |
| Net charge-offs to loans | 1.1598% | 1,925 |
| Credit loss provision to net charge-offs | 189.2411% | 1,708 |
| Earnings coverage of net charge-offs (x) | 2.3652% | 3,959 |
| Efficiency ratio | 48.9260% | 7,206 |
| Assets per employee ($millions) | 5.9331% | 1,255 |
| Cash dividends to net income (ytd only)* | 81.3559% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6459% | 1,232 |
| Loan loss allowance to noncurrent loans | 194.7306% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 2.0306% | 3,312 |
| Noncurrent loans to loans | 1.3588% | 4,446 |
| Net loans and leases to total assets | 79.7027% | 698 |
| Net loans and leases to deposits | 90.1779% | 1,501 |
| Net loans and leases to core deposits | 95.8487% | 2,032 |
| Total domestic deposits to total assets | 88.3839% | 2,022 |
| Equity capital to assets | 10.1588% | 3,549 |
| Core capital (leverage) ratio | 9.9741% | 3,124 |
| Tier 1 risk-based capital ratio | 12.3035% | 5,201 |
| Total risk-based capital ratio | 13.5731% | 5,153 |
| Memoranda: | ||
| Average total assets | $526,412,000 | 1,270 |
| Average earning assets | $481,825,000 | 1,277 |
| Average equity | $53,930,200 | 1,239 |
| Average total loans | $448,786,200 | 1,006 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3972% | 416 |
| Cost of funding earning assets | 1.4879% | 3,051 |
| Net interest margin | 4.9093% | 544 |
| Noninterest income to average assets | 0.2239% | 6,302 |
| Noninterest expense to average assets | 2.2420% | 6,487 |
| Loan and lease loss provision to assets | 1.7107% | 741 |
| Net operating income to assets | 0.5163% | 4,235 |
| Return on assets (ROA) | 0.5163% | 4,424 |
| Pretax return on assets | 0.7667% | 4,026 |
| Return on Equity (ROE) | 5.0285% | 4,273 |
| Retained earnings to average equity (ytd only) | 2.0575% | 4,927 |
| Net charge-offs to loans | 1.1332% | 1,799 |
| Credit loss provision to net charge-offs | 175.3061% | 2,101 |
| Earnings coverage of net charge-offs (x) | 2.5387% | 3,895 |
| Efficiency ratio | 46.8599% | 7,346 |
| Assets per employee ($millions) | 5.6359% | 1,513 |
| Cash dividends to net income (ytd only)* | 59.0842% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1762% | 1,846 |
| Loan loss allowance to noncurrent loans | 161.6639% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 2.5275% | 2,839 |
| Noncurrent loans to loans | 1.3461% | 4,611 |
| Net loans and leases to total assets | 83.2644% | 385 |
| Net loans and leases to deposits | 94.3642% | 1,163 |
| Net loans and leases to core deposits | 100.0268% | 1,849 |
| Total domestic deposits to total assets | 88.2372% | 1,838 |
| Equity capital to assets | 10.3518% | 3,696 |
| Core capital (leverage) ratio | 10.0744% | 3,174 |
| Tier 1 risk-based capital ratio | 12.1029% | 5,366 |
| Total risk-based capital ratio | 13.3649% | 5,311 |
| Memoranda: | ||
| Average total assets | $524,519,500 | 1,285 |
| Average earning assets | $480,300,500 | 1,293 |
| Average equity | $53,851,250 | 1,241 |
| Average total loans | $451,691,500 | 1,001 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4323% | 386 |
| Cost of funding earning assets | 1.5275% | 3,090 |
| Net interest margin | 4.9048% | 531 |
| Noninterest income to average assets | 0.2357% | 6,219 |
| Noninterest expense to average assets | 2.1256% | 6,829 |
| Loan and lease loss provision to assets | 1.6833% | 753 |
| Net operating income to assets | 0.6427% | 3,658 |
| Return on assets (ROA) | 0.6427% | 3,811 |
| Pretax return on assets | 0.9289% | 3,394 |
| Return on Equity (ROE) | 6.2779% | 3,660 |
| Retained earnings to average equity (ytd only) | 2.9147% | 4,279 |
| Net charge-offs to loans | 1.2825% | 1,487 |
| Credit loss provision to net charge-offs | 151.8288% | 2,584 |
| Earnings coverage of net charge-offs (x) | 2.3561% | 3,820 |
| Efficiency ratio | 44.5090% | 7,506 |
| Assets per employee ($millions) | 5.1451% | 1,989 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8566% | 2,544 |
| Loan loss allowance to noncurrent loans | 134.1401% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 2.3989% | 3,000 |
| Noncurrent loans to loans | 1.3841% | 4,629 |
| Net loans and leases to total assets | 84.0294% | 351 |
| Net loans and leases to deposits | 96.2786% | 1,020 |
| Net loans and leases to core deposits | 101.8557% | 1,841 |
| Total domestic deposits to total assets | 87.2773% | 2,390 |
| Equity capital to assets | 10.2749% | 3,682 |
| Core capital (leverage) ratio | 9.8361% | 3,356 |
| Tier 1 risk-based capital ratio | 11.9207% | 5,383 |
| Total risk-based capital ratio | 13.1785% | 5,348 |
| Memoranda: | ||
| Average total assets | $522,768,000 | 1,295 |
| Average earning assets | $479,859,000 | 1,295 |
| Average equity | $53,521,330 | 1,242 |
| Average total loans | $451,946,670 | 1,009 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4286% | 408 |
| Cost of funding earning assets | 1.5053% | 3,519 |
| Net interest margin | 4.9232% | 495 |
| Noninterest income to average assets | 0.2673% | 6,016 |
| Noninterest expense to average assets | 1.8814% | 7,357 |
| Loan and lease loss provision to assets | 1.6911% | 671 |
| Net operating income to assets | 0.7728% | 3,088 |
| Return on assets (ROA) | 0.7728% | 3,202 |
| Pretax return on assets | 1.2304% | 2,263 |
| Return on Equity (ROE) | 7.5618% | 3,086 |
| Retained earnings to average equity (ytd only) | 2.2844% | 4,768 |
| Net charge-offs to loans | 1.2735% | 1,342 |
| Credit loss provision to net charge-offs | 152.8552% | 2,345 |
| Earnings coverage of net charge-offs (x) | 2.6407% | 3,213 |
| Efficiency ratio | 38.9958% | 7,757 |
| Assets per employee ($millions) | 5.6061% | 1,576 |
| Cash dividends to net income (ytd only)* | 69.7906% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 3,115 |
| Loan loss allowance to noncurrent loans | 106.5622% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.6668% | 3,972 |
| Noncurrent loans to loans | 1.5818% | 4,369 |
| Net loans and leases to total assets | 82.3844% | 544 |
| Net loans and leases to deposits | 95.9985% | 1,107 |
| Net loans and leases to core deposits | 101.3793% | 1,985 |
| Total domestic deposits to total assets | 85.8184% | 3,248 |
| Equity capital to assets | 9.9178% | 3,963 |
| Core capital (leverage) ratio | 10.6023% | 2,532 |
| Tier 1 risk-based capital ratio | 11.8486% | 5,344 |
| Total risk-based capital ratio | 13.1044% | 5,285 |
| Memoranda: | ||
| Average total assets | $519,180,500 | 1,342 |
| Average earning assets | $478,303,000 | 1,335 |
| Average equity | $53,056,500 | 1,263 |
| Average total loans | $451,054,000 | 1,040 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1367% | 230 |
| Cost of funding earning assets | 2.4042% | 1,287 |
| Net interest margin | 4.7325% | 792 |
| Noninterest income to average assets | 0.1754% | 6,827 |
| Noninterest expense to average assets | 2.2212% | 6,936 |
| Loan and lease loss provision to assets | 1.2183% | 1,883 |
| Net operating income to assets | 0.6540% | 3,121 |
| Return on assets (ROA) | 0.6540% | 3,172 |
| Pretax return on assets | 1.0751% | 2,321 |
| Return on Equity (ROE) | 6.2103% | 3,122 |
| Retained earnings to average equity (ytd only) | 6.2103% | 1,267 |
| Net charge-offs to loans | 1.1302% | 2,166 |
| Credit loss provision to net charge-offs | 119.9549% | 4,466 |
| Earnings coverage of net charge-offs (x) | 2.2581% | 4,029 |
| Efficiency ratio | 48.9976% | 7,586 |
| Assets per employee ($millions) | 5.5570% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 3,475 |
| Loan loss allowance to noncurrent loans | 100.1882% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.7365% | 3,765 |
| Noncurrent loans to loans | 1.5476% | 4,331 |
| Net loans and leases to total assets | 88.8663% | 134 |
| Net loans and leases to deposits | 105.1316% | 594 |
| Net loans and leases to core deposits | 155.4913% | 403 |
| Total domestic deposits to total assets | 84.5286% | 3,785 |
| Equity capital to assets | 10.5508% | 3,128 |
| Core capital (leverage) ratio | 10.5856% | 2,520 |
| Tier 1 risk-based capital ratio | 12.2286% | 4,743 |
| Total risk-based capital ratio | 13.4832% | 4,709 |
| Memoranda: | ||
| Average total assets | $480,586,400 | 1,439 |
| Average earning assets | $440,652,000 | 1,434 |
| Average equity | $50,609,400 | 1,323 |
| Average total loans | $431,859,200 | 1,110 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1800% | 233 |
| Cost of funding earning assets | 2.5630% | 1,126 |
| Net interest margin | 4.6171% | 965 |
| Noninterest income to average assets | 0.2046% | 6,754 |
| Noninterest expense to average assets | 2.1960% | 6,988 |
| Loan and lease loss provision to assets | 1.1290% | 1,730 |
| Net operating income to assets | 0.6855% | 3,258 |
| Return on assets (ROA) | 0.6855% | 3,313 |
| Pretax return on assets | 1.1114% | 2,529 |
| Return on Equity (ROE) | 6.5130% | 3,290 |
| Retained earnings to average equity (ytd only) | 6.5130% | 1,701 |
| Net charge-offs to loans | 1.0969% | 1,818 |
| Credit loss provision to net charge-offs | 114.6750% | 4,427 |
| Earnings coverage of net charge-offs (x) | 2.2756% | 4,116 |
| Efficiency ratio | 49.2913% | 7,601 |
| Assets per employee ($millions) | 5.1856% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 3,589 |
| Loan loss allowance to noncurrent loans | 94.5867% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 2.1521% | 3,154 |
| Noncurrent loans to loans | 1.5555% | 4,308 |
| Net loans and leases to total assets | 89.7753% | 127 |
| Net loans and leases to deposits | 106.5012% | 627 |
| Net loans and leases to core deposits | 155.1643% | 474 |
| Total domestic deposits to total assets | 84.2951% | 3,582 |
| Equity capital to assets | 10.6784% | 3,314 |
| Core capital (leverage) ratio | 10.5670% | 2,741 |
| Tier 1 risk-based capital ratio | 12.1219% | 4,862 |
| Total risk-based capital ratio | 13.3753% | 4,806 |
| Memoranda: | ||
| Average total assets | $477,090,250 | 1,467 |
| Average earning assets | $437,295,500 | 1,457 |
| Average equity | $50,216,500 | 1,359 |
| Average total loans | $428,216,750 | 1,139 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2110% | 234 |
| Cost of funding earning assets | 2.6555% | 1,148 |
| Net interest margin | 4.5556% | 1,047 |
| Noninterest income to average assets | 0.1927% | 6,914 |
| Noninterest expense to average assets | 2.2551% | 6,905 |
| Loan and lease loss provision to assets | 1.2033% | 1,429 |
| Net operating income to assets | 0.5936% | 3,702 |
| Return on assets (ROA) | 0.5936% | 3,809 |
| Pretax return on assets | 0.9084% | 3,308 |
| Return on Equity (ROE) | 5.6679% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.6679% | 2,172 |
| Net charge-offs to loans | 1.0446% | 1,714 |
| Credit loss provision to net charge-offs | 129.0032% | 3,606 |
| Earnings coverage of net charge-offs (x) | 2.2639% | 3,937 |
| Efficiency ratio | 51.4308% | 7,560 |
| Assets per employee ($millions) | 5.0160% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 2,980 |
| Loan loss allowance to noncurrent loans | 65.1220% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 2.2844% | 2,852 |
| Noncurrent loans to loans | 2.3689% | 3,055 |
| Net loans and leases to total assets | 86.4570% | 338 |
| Net loans and leases to deposits | 101.9886% | 1,072 |
| Net loans and leases to core deposits | 145.2493% | 784 |
| Total domestic deposits to total assets | 84.7713% | 3,370 |
| Equity capital to assets | 10.3692% | 3,548 |
| Core capital (leverage) ratio | 10.4206% | 2,885 |
| Tier 1 risk-based capital ratio | 11.8874% | 5,012 |
| Total risk-based capital ratio | 13.1413% | 4,921 |
| Memoranda: | ||
| Average total assets | $475,365,330 | 1,497 |
| Average earning assets | $435,556,000 | 1,481 |
| Average equity | $49,789,330 | 1,386 |
| Average total loans | $424,482,330 | 1,176 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3036% | 221 |
| Cost of funding earning assets | 2.7243% | 1,193 |
| Net interest margin | 4.5794% | 973 |
| Noninterest income to average assets | 0.1797% | 7,013 |
| Noninterest expense to average assets | 2.1415% | 7,030 |
| Loan and lease loss provision to assets | 1.1750% | 1,106 |
| Net operating income to assets | 0.6880% | 3,611 |
| Return on assets (ROA) | 0.6880% | 3,796 |
| Pretax return on assets | 1.0397% | 3,205 |
| Return on Equity (ROE) | 6.5348% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.5348% | 2,405 |
| Net charge-offs to loans | 1.2763% | 1,100 |
| Credit loss provision to net charge-offs | 102.2222% | 3,668 |
| Earnings coverage of net charge-offs (x) | 1.9267% | 3,753 |
| Efficiency ratio | 48.9445% | 7,670 |
| Assets per employee ($millions) | 4.3928% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 3,400 |
| Loan loss allowance to noncurrent loans | 52.6330% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 2.6275% | 2,186 |
| Noncurrent loans to loans | 2.6957% | 2,435 |
| Net loans and leases to total assets | 88.3518% | 238 |
| Net loans and leases to deposits | 105.2288% | 925 |
| Net loans and leases to core deposits | 146.4090% | 842 |
| Total domestic deposits to total assets | 83.9616% | 3,728 |
| Equity capital to assets | 10.6087% | 3,363 |
| Core capital (leverage) ratio | 10.6085% | 2,823 |
| Tier 1 risk-based capital ratio | 12.0230% | 4,945 |
| Total risk-based capital ratio | 13.2754% | 4,828 |
| Memoranda: | ||
| Average total assets | $469,770,500 | 1,526 |
| Average earning assets | $428,444,000 | 1,518 |
| Average equity | $49,458,000 | 1,394 |
| Average total loans | $423,097,500 | 1,199 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3955% | 116 |
| Cost of funding earning assets | 3.3545% | 796 |
| Net interest margin | 5.0410% | 463 |
| Noninterest income to average assets | 0.1676% | 7,222 |
| Noninterest expense to average assets | 2.4489% | 6,212 |
| Loan and lease loss provision to assets | 0.4586% | 2,996 |
| Net operating income to assets | 1.1735% | 1,863 |
| Return on assets (ROA) | 1.1735% | 1,793 |
| Pretax return on assets | 1.7896% | 965 |
| Return on Equity (ROE) | 10.8166% | 1,963 |
| Retained earnings to average equity (ytd only) | 6.8606% | 1,202 |
| Net charge-offs to loans | 0.5581% | 2,148 |
| Credit loss provision to net charge-offs | 91.9801% | 5,635 |
| Earnings coverage of net charge-offs (x) | 4.5093% | 3,954 |
| Efficiency ratio | 51.9261% | 7,495 |
| Assets per employee ($millions) | 4.6486% | 2,403 |
| Cash dividends to net income (ytd only)* | 36.5736% | 3,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 3,200 |
| Loan loss allowance to noncurrent loans | 77.7110% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.7486% | 1,718 |
| Noncurrent loans to loans | 1.8012% | 3,054 |
| Net loans and leases to total assets | 89.2397% | 256 |
| Net loans and leases to deposits | 105.8726% | 1,134 |
| Net loans and leases to core deposits | 145.4825% | 1,029 |
| Total domestic deposits to total assets | 84.2896% | 3,181 |
| Equity capital to assets | 10.4474% | 3,561 |
| Core capital (leverage) ratio | 10.5422% | 2,945 |
| Tier 1 risk-based capital ratio | 11.6817% | 5,071 |
| Total risk-based capital ratio | 12.9338% | 4,965 |
| Memoranda: | ||
| Average total assets | $442,679,800 | 1,551 |
| Average earning assets | $397,761,600 | 1,567 |
| Average equity | $48,028,200 | 1,426 |
| Average total loans | $395,430,400 | 1,224 |