Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9875% | 1,596 |
| Cost of funding earning assets | 1.0363% | 1,184 |
| Net interest margin | 3.9512% | 2,601 |
| Noninterest income to average assets | 0.1225% | 6,422 |
| Noninterest expense to average assets | 3.1549% | 2,752 |
| Loan and lease loss provision to assets | 0.1453% | 3,789 |
| Net operating income to assets | 0.3611% | 5,249 |
| Return on assets (ROA) | 0.3923% | 5,371 |
| Pretax return on assets | 0.4398% | 5,455 |
| Return on Equity (ROE) | 4.6381% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.6381% | 2,957 |
| Net charge-offs to loans | -0.0038% | 6,365 |
| Credit loss provision to net charge-offs | -5,100.0000% | 6,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1538% | 1,503 |
| Assets per employee ($millions) | 5.7817% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 6,281 |
| Loan loss allowance to noncurrent loans | 106.2331% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 4,587 |
| Noncurrent loans to loans | 0.8405% | 4,508 |
| Net loans and leases to total assets | 75.2521% | 1,017 |
| Net loans and leases to deposits | 85.0772% | 1,626 |
| Net loans and leases to core deposits | 95.9468% | 1,308 |
| Total domestic deposits to total assets | 88.4515% | 1,923 |
| Equity capital to assets | 8.2839% | 6,214 |
| Core capital (leverage) ratio | 8.0757% | 6,116 |
| Tier 1 risk-based capital ratio | 10.6295% | 6,503 |
| Total risk-based capital ratio | 11.5475% | 6,582 |
| Memoranda: | ||
| Average total assets | $105,264,000 | 4,699 |
| Average earning assets | $95,438,800 | 4,711 |
| Average equity | $8,904,600 | 5,249 |
| Average total loans | $79,107,600 | 4,064 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9640% | 1,791 |
| Cost of funding earning assets | 1.0764% | 1,161 |
| Net interest margin | 3.8875% | 2,959 |
| Noninterest income to average assets | 0.1415% | 6,438 |
| Noninterest expense to average assets | 3.1894% | 2,602 |
| Loan and lease loss provision to assets | 0.1779% | 3,361 |
| Net operating income to assets | 0.2870% | 5,658 |
| Return on assets (ROA) | 0.2870% | 5,860 |
| Pretax return on assets | 0.2870% | 5,983 |
| Return on Equity (ROE) | 3.3729% | 5,545 |
| Retained earnings to average equity (ytd only) | 3.3729% | 4,494 |
| Net charge-offs to loans | -0.0035% | 6,238 |
| Credit loss provision to net charge-offs | -6,850.0000% | 6,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2779% | 1,276 |
| Assets per employee ($millions) | 5.8978% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 6,316 |
| Loan loss allowance to noncurrent loans | 101.0540% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 4,575 |
| Noncurrent loans to loans | 0.9136% | 4,607 |
| Net loans and leases to total assets | 73.4542% | 1,326 |
| Net loans and leases to deposits | 80.5370% | 2,310 |
| Net loans and leases to core deposits | 89.7046% | 2,019 |
| Total domestic deposits to total assets | 91.2055% | 358 |
| Equity capital to assets | 8.4206% | 6,329 |
| Core capital (leverage) ratio | 8.2315% | 6,100 |
| Tier 1 risk-based capital ratio | 10.9574% | 6,499 |
| Total risk-based capital ratio | 11.9038% | 6,605 |
| Memoranda: | ||
| Average total assets | $102,671,500 | 4,811 |
| Average earning assets | $92,773,000 | 4,830 |
| Average equity | $8,736,000 | 5,343 |
| Average total loans | $76,934,250 | 4,165 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0575% | 1,641 |
| Cost of funding earning assets | 1.1216% | 1,120 |
| Net interest margin | 3.9358% | 2,764 |
| Noninterest income to average assets | 0.1768% | 6,296 |
| Noninterest expense to average assets | 3.2368% | 2,474 |
| Loan and lease loss provision to assets | 0.2290% | 2,786 |
| Net operating income to assets | 0.2572% | 5,744 |
| Return on assets (ROA) | 0.2572% | 5,935 |
| Pretax return on assets | 0.2572% | 6,043 |
| Return on Equity (ROE) | 3.0108% | 5,692 |
| Retained earnings to average equity (ytd only) | 3.0108% | 4,639 |
| Net charge-offs to loans | -0.0027% | 6,107 |
| Credit loss provision to net charge-offs | -11,400.0000% | 6,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9401% | 1,346 |
| Assets per employee ($millions) | 4.9492% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 6,361 |
| Loan loss allowance to noncurrent loans | 95.3787% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0160% | 4,343 |
| Noncurrent loans to loans | 0.9827% | 4,542 |
| Net loans and leases to total assets | 75.5535% | 1,024 |
| Net loans and leases to deposits | 84.0838% | 1,844 |
| Net loans and leases to core deposits | 88.4928% | 2,147 |
| Total domestic deposits to total assets | 89.8550% | 1,012 |
| Equity capital to assets | 8.4237% | 6,282 |
| Core capital (leverage) ratio | 8.2449% | 5,996 |
| Tier 1 risk-based capital ratio | 10.7173% | 6,609 |
| Total risk-based capital ratio | 11.6872% | 6,704 |
| Memoranda: | ||
| Average total assets | $99,542,330 | 4,911 |
| Average earning assets | $89,689,330 | 4,947 |
| Average equity | $8,502,670 | 5,414 |
| Average total loans | $74,886,000 | 4,256 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0377% | 1,767 |
| Cost of funding earning assets | 1.1555% | 1,157 |
| Net interest margin | 3.8822% | 2,994 |
| Noninterest income to average assets | 0.1890% | 6,246 |
| Noninterest expense to average assets | 3.0777% | 2,991 |
| Loan and lease loss provision to assets | 0.3246% | 1,934 |
| Net operating income to assets | 0.2794% | 5,721 |
| Return on assets (ROA) | 0.2794% | 5,888 |
| Pretax return on assets | 0.2794% | 6,017 |
| Return on Equity (ROE) | 3.2472% | 5,615 |
| Retained earnings to average equity (ytd only) | 3.2472% | 4,620 |
| Net charge-offs to loans | -0.0055% | 5,807 |
| Credit loss provision to net charge-offs | -7,900.0000% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5938% | 1,728 |
| Assets per employee ($millions) | 5.5176% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 6,400 |
| Loan loss allowance to noncurrent loans | 89.3939% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.1237% | 4,254 |
| Noncurrent loans to loans | 1.0691% | 4,565 |
| Net loans and leases to total assets | 73.8753% | 1,087 |
| Net loans and leases to deposits | 81.2028% | 2,035 |
| Net loans and leases to core deposits | 84.6877% | 2,453 |
| Total domestic deposits to total assets | 90.9763% | 569 |
| Equity capital to assets | 8.7337% | 5,834 |
| Core capital (leverage) ratio | 8.3925% | 5,752 |
| Tier 1 risk-based capital ratio | 11.4535% | 6,309 |
| Total risk-based capital ratio | 12.4497% | 6,430 |
| Memoranda: | ||
| Average total assets | $97,347,000 | 5,008 |
| Average earning assets | $87,579,500 | 5,041 |
| Average equity | $8,376,500 | 5,479 |
| Average total loans | $72,695,000 | 4,356 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0152% | 2,810 |
| Cost of funding earning assets | 1.3977% | 1,050 |
| Net interest margin | 3.6175% | 4,665 |
| Noninterest income to average assets | 0.1461% | 6,417 |
| Noninterest expense to average assets | 3.2131% | 2,818 |
| Loan and lease loss provision to assets | 0.1262% | 5,033 |
| Net operating income to assets | 0.1240% | 5,808 |
| Return on assets (ROA) | 0.1782% | 5,790 |
| Pretax return on assets | 0.1782% | 5,835 |
| Return on Equity (ROE) | 2.0232% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.0232% | 4,773 |
| Net charge-offs to loans | 0.3242% | 3,770 |
| Credit loss provision to net charge-offs | 53.7736% | 5,325 |
| Earnings coverage of net charge-offs (x) | 1.0660% | 4,990 |
| Efficiency ratio | 92.7772% | 1,000 |
| Assets per employee ($millions) | 5.2988% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 6,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8230% | 4,985 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 74.1093% | 1,259 |
| Net loans and leases to deposits | 81.2292% | 2,320 |
| Net loans and leases to core deposits | 84.5907% | 2,805 |
| Total domestic deposits to total assets | 91.2349% | 417 |
| Equity capital to assets | 8.4705% | 6,178 |
| Core capital (leverage) ratio | 8.4395% | 5,655 |
| Tier 1 risk-based capital ratio | 10.9105% | 6,498 |
| Total risk-based capital ratio | 11.8168% | 6,636 |
| Memoranda: | ||
| Average total assets | $90,349,200 | 5,171 |
| Average earning assets | $82,848,400 | 5,149 |
| Average equity | $7,957,800 | 5,583 |
| Average total loans | $65,392,800 | 4,655 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0127% | 3,021 |
| Cost of funding earning assets | 1.4509% | 1,025 |
| Net interest margin | 3.5619% | 4,931 |
| Noninterest income to average assets | 0.1272% | 6,616 |
| Noninterest expense to average assets | 3.2056% | 2,816 |
| Loan and lease loss provision to assets | 0.1182% | 4,954 |
| Net operating income to assets | 0.1062% | 5,951 |
| Return on assets (ROA) | 0.1691% | 5,904 |
| Pretax return on assets | 0.1691% | 5,955 |
| Return on Equity (ROE) | 1.9005% | 5,810 |
| Retained earnings to average equity (ytd only) | 1.9005% | 5,190 |
| Net charge-offs to loans | 0.2691% | 3,758 |
| Credit loss provision to net charge-offs | 61.2403% | 4,770 |
| Earnings coverage of net charge-offs (x) | 1.1628% | 4,750 |
| Efficiency ratio | 93.4555% | 946 |
| Assets per employee ($millions) | 4.8989% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 6,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7167% | 5,364 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 75.6317% | 1,034 |
| Net loans and leases to deposits | 83.6075% | 2,063 |
| Net loans and leases to core deposits | 87.3813% | 2,576 |
| Total domestic deposits to total assets | 90.4604% | 653 |
| Equity capital to assets | 9.1699% | 5,558 |
| Core capital (leverage) ratio | 8.4368% | 5,794 |
| Tier 1 risk-based capital ratio | 11.5245% | 6,230 |
| Total risk-based capital ratio | 12.5686% | 6,343 |
| Memoranda: | ||
| Average total assets | $89,092,000 | 5,246 |
| Average earning assets | $82,614,000 | 5,197 |
| Average equity | $7,927,500 | 5,623 |
| Average total loans | $63,913,000 | 4,755 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 3,418 |
| Cost of funding earning assets | 1.4929% | 1,031 |
| Net interest margin | 3.4522% | 5,358 |
| Noninterest income to average assets | 0.0940% | 6,859 |
| Noninterest expense to average assets | 3.0919% | 3,285 |
| Loan and lease loss provision to assets | 0.1409% | 4,546 |
| Net operating income to assets | 0.0738% | 6,072 |
| Return on assets (ROA) | 0.1678% | 5,936 |
| Pretax return on assets | 0.1678% | 5,986 |
| Return on Equity (ROE) | 1.9048% | 5,818 |
| Retained earnings to average equity (ytd only) | 1.9048% | 5,028 |
| Net charge-offs to loans | 0.3505% | 3,149 |
| Credit loss provision to net charge-offs | 57.2727% | 4,407 |
| Earnings coverage of net charge-offs (x) | 0.8727% | 4,640 |
| Efficiency ratio | 93.5047% | 1,012 |
| Assets per employee ($millions) | 6.3469% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 6,237 |
| Loan loss allowance to noncurrent loans | 828.0488% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.9172% | 5,032 |
| Noncurrent loans to loans | 0.1237% | 6,670 |
| Net loans and leases to total assets | 73.8220% | 1,447 |
| Net loans and leases to deposits | 81.4463% | 2,529 |
| Net loans and leases to core deposits | 85.5039% | 2,998 |
| Total domestic deposits to total assets | 90.6389% | 660 |
| Equity capital to assets | 9.0437% | 5,514 |
| Core capital (leverage) ratio | 8.3433% | 5,802 |
| Tier 1 risk-based capital ratio | 11.3168% | 6,308 |
| Total risk-based capital ratio | 12.3548% | 6,438 |
| Memoranda: | ||
| Average total assets | $89,396,000 | 5,277 |
| Average earning assets | $83,194,000 | 5,223 |
| Average equity | $7,874,670 | 5,659 |
| Average total loans | $62,761,670 | 4,840 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8327% | 3,899 |
| Cost of funding earning assets | 1.5135% | 1,113 |
| Net interest margin | 3.3192% | 5,712 |
| Noninterest income to average assets | 0.1472% | 6,673 |
| Noninterest expense to average assets | 3.0157% | 3,580 |
| Loan and lease loss provision to assets | 0.1383% | 4,281 |
| Net operating income to assets | 0.0848% | 6,133 |
| Return on assets (ROA) | 0.0848% | 6,186 |
| Pretax return on assets | 0.0848% | 6,205 |
| Return on Equity (ROE) | 0.9751% | 6,142 |
| Retained earnings to average equity (ytd only) | 0.9751% | 5,440 |
| Net charge-offs to loans | 0.7147% | 1,785 |
| Credit loss provision to net charge-offs | 28.4404% | 4,142 |
| Earnings coverage of net charge-offs (x) | 0.4587% | 4,273 |
| Efficiency ratio | 93.1129% | 1,088 |
| Assets per employee ($millions) | 5.8531% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 6,259 |
| Loan loss allowance to noncurrent loans | 21,600.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 5,521 |
| Noncurrent loans to loans | 0.0048% | 7,077 |
| Net loans and leases to total assets | 70.3916% | 2,056 |
| Net loans and leases to deposits | 77.5927% | 3,138 |
| Net loans and leases to core deposits | 80.5445% | 3,663 |
| Total domestic deposits to total assets | 90.7194% | 756 |
| Equity capital to assets | 9.0027% | 5,201 |
| Core capital (leverage) ratio | 8.2597% | 5,884 |
| Tier 1 risk-based capital ratio | 12.0445% | 5,645 |
| Total risk-based capital ratio | 13.1082% | 5,819 |
| Memoranda: | ||
| Average total assets | $89,665,500 | 5,302 |
| Average earning assets | $83,514,000 | 5,250 |
| Average equity | $7,794,000 | 5,680 |
| Average total loans | $61,005,000 | 4,961 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 5,242 |
| Cost of funding earning assets | 1.8779% | 918 |
| Net interest margin | 2.9694% | 6,796 |
| Noninterest income to average assets | 0.1748% | 6,486 |
| Noninterest expense to average assets | 3.3281% | 2,647 |
| Loan and lease loss provision to assets | 0.4475% | 3,442 |
| Net operating income to assets | -0.5355% | 6,410 |
| Return on assets (ROA) | -0.5355% | 6,440 |
| Pretax return on assets | -0.8392% | 6,538 |
| Return on Equity (ROE) | -5.4116% | 6,471 |
| Retained earnings to average equity (ytd only) | -5.4116% | 6,342 |
| Net charge-offs to loans | 0.2999% | 4,516 |
| Credit loss provision to net charge-offs | 217.4699% | 1,388 |
| Earnings coverage of net charge-offs (x) | -1.9036% | 6,702 |
| Efficiency ratio | 113.3390% | 484 |
| Assets per employee ($millions) | 6.1023% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 5,420 |
| Loan loss allowance to noncurrent loans | 156.8035% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2596% | 4,513 |
| Noncurrent loans to loans | 0.7774% | 5,489 |
| Net loans and leases to total assets | 64.2760% | 3,815 |
| Net loans and leases to deposits | 70.3389% | 4,774 |
| Net loans and leases to core deposits | 72.4221% | 5,169 |
| Total domestic deposits to total assets | 91.3803% | 432 |
| Equity capital to assets | 8.3946% | 6,008 |
| Core capital (leverage) ratio | 7.8797% | 6,347 |
| Tier 1 risk-based capital ratio | 12.0644% | 5,412 |
| Total risk-based capital ratio | 13.2843% | 5,423 |
| Memoranda: | ||
| Average total assets | $80,675,800 | 5,575 |
| Average earning assets | $75,032,400 | 5,513 |
| Average equity | $7,982,800 | 5,718 |
| Average total loans | $55,350,400 | 5,263 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9486% | 5,048 |
| Cost of funding earning assets | 1.9489% | 885 |
| Net interest margin | 2.9997% | 6,832 |
| Noninterest income to average assets | 0.1830% | 6,572 |
| Noninterest expense to average assets | 3.2614% | 2,703 |
| Loan and lease loss provision to assets | 0.3506% | 3,806 |
| Net operating income to assets | -0.4070% | 6,522 |
| Return on assets (ROA) | -0.4070% | 6,565 |
| Pretax return on assets | -0.6413% | 6,640 |
| Return on Equity (ROE) | -3.9383% | 6,568 |
| Retained earnings to average equity (ytd only) | -3.9383% | 6,458 |
| Net charge-offs to loans | 0.2799% | 4,266 |
| Credit loss provision to net charge-offs | 179.8246% | 2,040 |
| Earnings coverage of net charge-offs (x) | -1.4912% | 6,506 |
| Efficiency ratio | 109.7870% | 529 |
| Assets per employee ($millions) | 5.9528% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 5,865 |
| Loan loss allowance to noncurrent loans | 12,440.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 5,396 |
| Noncurrent loans to loans | 0.0090% | 7,251 |
| Net loans and leases to total assets | 61.6147% | 4,606 |
| Net loans and leases to deposits | 67.8962% | 5,436 |
| Net loans and leases to core deposits | 69.5221% | 5,798 |
| Total domestic deposits to total assets | 90.7483% | 531 |
| Equity capital to assets | 8.9672% | 5,625 |
| Core capital (leverage) ratio | 9.0396% | 4,622 |
| Tier 1 risk-based capital ratio | 14.2989% | 3,634 |
| Total risk-based capital ratio | 15.4234% | 3,677 |
| Memoranda: | ||
| Average total assets | $77,961,000 | 5,716 |
| Average earning assets | $72,450,250 | 5,653 |
| Average equity | $8,057,500 | 5,768 |
| Average total loans | $54,297,750 | 5,375 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 4,622 |
| Cost of funding earning assets | 2.0104% | 886 |
| Net interest margin | 3.0576% | 6,708 |
| Noninterest income to average assets | 0.1941% | 6,512 |
| Noninterest expense to average assets | 3.3269% | 2,478 |
| Loan and lease loss provision to assets | 0.5203% | 2,710 |
| Net operating income to assets | -0.5149% | 6,666 |
| Return on assets (ROA) | -0.5149% | 6,703 |
| Pretax return on assets | -0.8115% | 6,789 |
| Return on Equity (ROE) | -4.7310% | 6,674 |
| Retained earnings to average equity (ytd only) | -4.7310% | 6,522 |
| Net charge-offs to loans | 0.4271% | 3,285 |
| Credit loss provision to net charge-offs | 167.8261% | 2,341 |
| Earnings coverage of net charge-offs (x) | -0.9391% | 6,109 |
| Efficiency ratio | 109.5915% | 555 |
| Assets per employee ($millions) | 5.9544% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 6,139 |
| Loan loss allowance to noncurrent loans | 15,225.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 1.0580% | 5,023 |
| Noncurrent loans to loans | 0.0070% | 7,320 |
| Net loans and leases to total assets | 68.1710% | 3,322 |
| Net loans and leases to deposits | 75.6688% | 4,387 |
| Net loans and leases to core deposits | 77.3991% | 5,038 |
| Total domestic deposits to total assets | 90.0913% | 883 |
| Equity capital to assets | 9.6328% | 4,494 |
| Core capital (leverage) ratio | 10.2746% | 2,863 |
| Tier 1 risk-based capital ratio | 14.3957% | 3,492 |
| Total risk-based capital ratio | 15.4989% | 3,544 |
| Memoranda: | ||
| Average total assets | $74,184,000 | 5,862 |
| Average earning assets | $68,942,000 | 5,802 |
| Average equity | $8,074,330 | 5,772 |
| Average total loans | $53,850,670 | 5,432 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3661% | 3,208 |
| Cost of funding earning assets | 2.2271% | 544 |
| Net interest margin | 3.1390% | 6,488 |
| Noninterest income to average assets | 0.1724% | 6,739 |
| Noninterest expense to average assets | 3.5117% | 1,951 |
| Loan and lease loss provision to assets | 0.7989% | 1,586 |
| Net operating income to assets | -0.7817% | 7,000 |
| Return on assets (ROA) | -0.7817% | 7,023 |
| Pretax return on assets | -1.2300% | 7,161 |
| Return on Equity (ROE) | -6.7190% | 6,970 |
| Retained earnings to average equity (ytd only) | -6.7190% | 6,709 |
| Net charge-offs to loans | 0.7530% | 2,004 |
| Credit loss provision to net charge-offs | 141.8367% | 2,507 |
| Earnings coverage of net charge-offs (x) | -0.7653% | 5,343 |
| Efficiency ratio | 113.9925% | 529 |
| Assets per employee ($millions) | 4.8529% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 6,276 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 1.3998% | 4,415 |
| Noncurrent loans to loans | 0.3786% | 6,529 |
| Net loans and leases to total assets | 74.6820% | 1,810 |
| Net loans and leases to deposits | 87.1833% | 2,378 |
| Net loans and leases to core deposits | 89.6889% | 3,408 |
| Total domestic deposits to total assets | 85.6609% | 3,340 |
| Equity capital to assets | 11.0339% | 2,729 |
| Core capital (leverage) ratio | 11.3797% | 1,980 |
| Tier 1 risk-based capital ratio | 14.8937% | 3,155 |
| Total risk-based capital ratio | 15.9595% | 3,219 |
| Memoranda: | ||
| Average total assets | $69,595,500 | 6,056 |
| Average earning assets | $64,478,500 | 6,018 |
| Average equity | $8,096,500 | 5,811 |
| Average total loans | $52,057,500 | 5,581 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2325% | 5,500 |
| Cost of funding earning assets | 2.8833% | 328 |
| Net interest margin | 2.3492% | 7,547 |
| Noninterest income to average assets | 0.1374% | 7,064 |
| Noninterest expense to average assets | 4.2648% | 1,024 |
| Loan and lease loss provision to assets | 0.4032% | 4,397 |
| Net operating income to assets | -1.4847% | 6,847 |
| Return on assets (ROA) | -1.4662% | 6,845 |
| Pretax return on assets | -2.3231% | 7,073 |
| Return on Equity (ROE) | -12.4627% | 6,795 |
| Retained earnings to average equity (ytd only) | -12.4627% | 6,714 |
| Net charge-offs to loans | -0.0052% | 7,722 |
| Credit loss provision to net charge-offs | -11,150.0000% | 7,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.1530% | 176 |
| Assets per employee ($millions) | 4.4265% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 5,988 |
| Loan loss allowance to noncurrent loans | 47.9279% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 1.8540% | 3,591 |
| Noncurrent loans to loans | 2.2571% | 3,328 |
| Net loans and leases to total assets | 73.2669% | 2,433 |
| Net loans and leases to deposits | 83.9610% | 3,279 |
| Net loans and leases to core deposits | 134.5364% | 1,025 |
| Total domestic deposits to total assets | 87.2630% | 2,350 |
| Equity capital to assets | 12.2912% | 1,856 |
| Core capital (leverage) ratio | 12.3671% | 1,506 |
| Tier 1 risk-based capital ratio | 16.1078% | 2,472 |
| Total risk-based capital ratio | 17.1633% | 2,491 |
| Memoranda: | ||
| Average total assets | $55,313,800 | 6,518 |
| Average earning assets | $51,294,800 | 6,485 |
| Average equity | $6,507,400 | 6,425 |
| Average total loans | $38,469,400 | 6,178 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2145% | 5,818 |
| Cost of funding earning assets | 2.9970% | 335 |
| Net interest margin | 2.2175% | 7,700 |
| Noninterest income to average assets | 0.1396% | 7,179 |
| Noninterest expense to average assets | 4.4762% | 764 |
| Loan and lease loss provision to assets | 0.3882% | 3,988 |
| Net operating income to assets | -1.6881% | 7,188 |
| Return on assets (ROA) | -1.6621% | 7,179 |
| Pretax return on assets | -2.6340% | 7,397 |
| Return on Equity (ROE) | -14.3307% | 7,157 |
| Retained earnings to average equity (ytd only) | -14.3307% | 7,095 |
| Net charge-offs to loans | -0.0037% | 7,615 |
| Credit loss provision to net charge-offs | -15,300.0000% | 7,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 204.4032% | 143 |
| Assets per employee ($millions) | 4.1239% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 6,176 |
| Loan loss allowance to noncurrent loans | 517.9775% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 6,630 |
| Noncurrent loans to loans | 0.1965% | 7,011 |
| Net loans and leases to total assets | 72.4745% | 2,924 |
| Net loans and leases to deposits | 84.1426% | 3,619 |
| Net loans and leases to core deposits | 141.1098% | 867 |
| Total domestic deposits to total assets | 86.1330% | 2,625 |
| Equity capital to assets | 13.4596% | 1,515 |
| Core capital (leverage) ratio | 14.4830% | 958 |
| Tier 1 risk-based capital ratio | 17.8709% | 2,024 |
| Total risk-based capital ratio | 18.8676% | 2,048 |
| Memoranda: | ||
| Average total assets | $52,543,000 | 6,658 |
| Average earning assets | $48,581,250 | 6,630 |
| Average equity | $6,094,000 | 6,630 |
| Average total loans | $35,792,000 | 6,363 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2121% | 6,035 |
| Cost of funding earning assets | 3.1132% | 338 |
| Net interest margin | 2.0989% | 7,812 |
| Noninterest income to average assets | 0.1254% | 7,347 |
| Noninterest expense to average assets | 4.5714% | 724 |
| Loan and lease loss provision to assets | 0.4976% | 3,048 |
| Net operating income to assets | -1.8933% | 7,398 |
| Return on assets (ROA) | -1.8933% | 7,390 |
| Pretax return on assets | -3.0099% | 7,576 |
| Return on Equity (ROE) | -17.4953% | 7,439 |
| Retained earnings to average equity (ytd only) | -17.4953% | 7,371 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 222.0039% | 154 |
| Assets per employee ($millions) | 3.4804% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 5,023 |
| Loan loss allowance to noncurrent loans | 488.6364% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 7,166 |
| Noncurrent loans to loans | 0.2433% | 6,903 |
| Net loans and leases to total assets | 64.1909% | 4,939 |
| Net loans and leases to deposits | 71.5349% | 5,805 |
| Net loans and leases to core deposits | 123.9631% | 2,030 |
| Total domestic deposits to total assets | 89.7337% | 944 |
| Equity capital to assets | 9.9054% | 4,075 |
| Core capital (leverage) ratio | 10.1342% | 3,154 |
| Tier 1 risk-based capital ratio | 14.5135% | 3,234 |
| Total risk-based capital ratio | 15.6601% | 3,237 |
| Memoranda: | ||
| Average total assets | $49,437,670 | 6,856 |
| Average earning assets | $45,547,670 | 6,816 |
| Average equity | $5,350,000 | 6,949 |
| Average total loans | $32,625,000 | 6,578 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 6,158 |
| Cost of funding earning assets | 3.0783% | 488 |
| Net interest margin | 2.1624% | 7,821 |
| Noninterest income to average assets | 0.1036% | 7,519 |
| Noninterest expense to average assets | 4.9489% | 502 |
| Loan and lease loss provision to assets | 0.1296% | 5,297 |
| Net operating income to assets | -1.8742% | 7,624 |
| Return on assets (ROA) | -1.8742% | 7,626 |
| Pretax return on assets | -2.9970% | 7,756 |
| Return on Equity (ROE) | -16.4800% | 7,657 |
| Retained earnings to average equity (ytd only) | -16.4800% | 7,512 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.7593% | 139 |
| Assets per employee ($millions) | 3.1968% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 6,153 |
| Loan loss allowance to noncurrent loans | 361.7978% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 7,019 |
| Noncurrent loans to loans | 0.2771% | 6,747 |
| Net loans and leases to total assets | 62.1706% | 5,291 |
| Net loans and leases to deposits | 69.5030% | 6,024 |
| Net loans and leases to core deposits | 125.0256% | 1,996 |
| Total domestic deposits to total assets | 89.4502% | 1,031 |
| Equity capital to assets | 10.0825% | 3,897 |
| Core capital (leverage) ratio | 11.3321% | 2,256 |
| Tier 1 risk-based capital ratio | 14.5463% | 3,286 |
| Total risk-based capital ratio | 15.4628% | 3,398 |
| Memoranda: | ||
| Average total assets | $46,313,000 | 7,017 |
| Average earning assets | $42,361,000 | 7,005 |
| Average equity | $5,267,000 | 7,027 |
| Average total loans | $30,849,500 | 6,713 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4813% | 7,343 |
| Cost of funding earning assets | 3.8038% | 198 |
| Net interest margin | 1.6775% | 8,156 |
| Noninterest income to average assets | 0.0668% | 7,816 |
| Noninterest expense to average assets | 5.6900% | 468 |
| Loan and lease loss provision to assets | 0.7071% | 2,084 |
| Net operating income to assets | -3.0363% | 7,834 |
| Return on assets (ROA) | -2.9800% | 7,789 |
| Pretax return on assets | -4.7340% | 7,993 |
| Return on Equity (ROE) | -17.4163% | 7,684 |
| Retained earnings to average equity (ytd only) | -17.4163% | 7,591 |
| Net charge-offs to loans | 0.0844% | 5,556 |
| Credit loss provision to net charge-offs | 1,553.3333% | 282 |
| Earnings coverage of net charge-offs (x) | -90.4000% | 7,003 |
| Efficiency ratio | 361.2717% | 75 |
| Assets per employee ($millions) | 2.5924% | 7,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 5,727 |
| Loan loss allowance to noncurrent loans | 5,116.6667% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 7,554 |
| Noncurrent loans to loans | 0.0203% | 7,437 |
| Net loans and leases to total assets | 70.5699% | 3,891 |
| Net loans and leases to deposits | 81.3445% | 4,819 |
| Net loans and leases to core deposits | 161.2638% | 551 |
| Total domestic deposits to total assets | 86.7544% | 2,063 |
| Equity capital to assets | 12.9635% | 1,808 |
| Core capital (leverage) ratio | 13.0985% | 1,519 |
| Tier 1 risk-based capital ratio | 16.6834% | 2,425 |
| Total risk-based capital ratio | 17.6465% | 2,458 |
| Memoranda: | ||
| Average total assets | $32,952,800 | 7,512 |
| Average earning assets | $29,628,200 | 7,532 |
| Average equity | $5,638,400 | 6,938 |
| Average total loans | $17,762,200 | 7,475 |