Home > Community Bank of Central Wisconsin > Performance and Condition Ratios
Community Bank of Central Wisconsin, 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 | 3.8446% | 5,721 |
| Cost of funding earning assets | 0.6706% | 3,738 |
| Net interest margin | 3.1741% | 5,633 |
| Noninterest income to average assets | 0.9374% | 1,751 |
| Noninterest expense to average assets | 4.4265% | 614 |
| Loan and lease loss provision to assets | 0.0638% | 4,964 |
| Net operating income to assets | -0.8821% | 6,704 |
| Return on assets (ROA) | -0.8821% | 6,727 |
| Pretax return on assets | -0.7408% | 6,661 |
| Return on Equity (ROE) | -17.6348% | 6,855 |
| Retained earnings to average equity (ytd only) | -17.6348% | 6,812 |
| Net charge-offs to loans | 1.2478% | 795 |
| Credit loss provision to net charge-offs | 9.0090% | 5,407 |
| Earnings coverage of net charge-offs (x) | -0.9565% | 5,755 |
| Efficiency ratio | 115.5329% | 256 |
| Assets per employee ($millions) | 3.0676% | 5,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6736% | 84 |
| Loan loss allowance to noncurrent loans | 47.0828% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 7.7249% | 382 |
| Noncurrent loans to loans | 12.0502% | 151 |
| Net loans and leases to total assets | 47.9653% | 5,420 |
| Net loans and leases to deposits | 57.7520% | 5,272 |
| Net loans and leases to core deposits | 58.7075% | 5,480 |
| Total domestic deposits to total assets | 83.0539% | 4,700 |
| Equity capital to assets | 4.5237% | 6,978 |
| Core capital (leverage) ratio | 4.1749% | 6,980 |
| Tier 1 risk-based capital ratio | 6.0957% | 6,985 |
| Total risk-based capital ratio | 7.3826% | 6,987 |
| Memoranda: | ||
| Average total assets | $94,092,200 | 4,985 |
| Average earning assets | $83,363,400 | 5,031 |
| Average equity | $4,706,600 | 6,383 |
| Average total loans | $53,373,200 | 4,970 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 5,833 |
| Cost of funding earning assets | 0.6846% | 3,899 |
| Net interest margin | 3.1949% | 5,716 |
| Noninterest income to average assets | 1.0260% | 1,437 |
| Noninterest expense to average assets | 4.2363% | 694 |
| Loan and lease loss provision to assets | 0.0846% | 4,554 |
| Net operating income to assets | -0.5693% | 6,727 |
| Return on assets (ROA) | -0.5693% | 6,755 |
| Pretax return on assets | -0.4538% | 6,685 |
| Return on Equity (ROE) | -11.1234% | 6,881 |
| Retained earnings to average equity (ytd only) | -11.1234% | 6,842 |
| Net charge-offs to loans | 0.7828% | 1,413 |
| Credit loss provision to net charge-offs | 18.5759% | 4,975 |
| Earnings coverage of net charge-offs (x) | -0.8111% | 5,554 |
| Efficiency ratio | 107.1064% | 360 |
| Assets per employee ($millions) | 2.8406% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8415% | 74 |
| Loan loss allowance to noncurrent loans | 58.6578% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 8.3841% | 352 |
| Noncurrent loans to loans | 9.9587% | 250 |
| Net loans and leases to total assets | 53.1629% | 4,880 |
| Net loans and leases to deposits | 64.5568% | 4,654 |
| Net loans and leases to core deposits | 65.6594% | 4,991 |
| Total domestic deposits to total assets | 82.3505% | 4,897 |
| Equity capital to assets | 5.0639% | 7,046 |
| Core capital (leverage) ratio | 4.5891% | 7,051 |
| Tier 1 risk-based capital ratio | 6.3829% | 7,075 |
| Total risk-based capital ratio | 7.6682% | 7,075 |
| Memoranda: | ||
| Average total assets | $94,608,500 | 5,022 |
| Average earning assets | $84,131,250 | 5,070 |
| Average equity | $4,842,500 | 6,415 |
| Average total loans | $55,017,500 | 4,951 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9013% | 5,918 |
| Cost of funding earning assets | 0.6993% | 4,021 |
| Net interest margin | 3.2020% | 5,739 |
| Noninterest income to average assets | 0.9515% | 1,610 |
| Noninterest expense to average assets | 3.9146% | 1,053 |
| Loan and lease loss provision to assets | 0.1252% | 3,958 |
| Net operating income to assets | -0.2671% | 6,593 |
| Return on assets (ROA) | -0.2671% | 6,656 |
| Pretax return on assets | -0.2504% | 6,614 |
| Return on Equity (ROE) | -5.2008% | 6,777 |
| Retained earnings to average equity (ytd only) | -5.2008% | 6,629 |
| Net charge-offs to loans | 0.8356% | 1,326 |
| Credit loss provision to net charge-offs | 25.5319% | 4,519 |
| Earnings coverage of net charge-offs (x) | -0.2553% | 5,176 |
| Efficiency ratio | 100.8260% | 533 |
| Assets per employee ($millions) | 2.9784% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7153% | 94 |
| Loan loss allowance to noncurrent loans | 54.1689% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 9.0804% | 333 |
| Noncurrent loans to loans | 10.5510% | 235 |
| Net loans and leases to total assets | 55.1375% | 4,606 |
| Net loans and leases to deposits | 66.2860% | 4,473 |
| Net loans and leases to core deposits | 67.3863% | 4,858 |
| Total domestic deposits to total assets | 83.1812% | 4,686 |
| Equity capital to assets | 5.2572% | 7,086 |
| Core capital (leverage) ratio | 4.7981% | 7,082 |
| Tier 1 risk-based capital ratio | 6.5181% | 7,114 |
| Total risk-based capital ratio | 7.8061% | 7,114 |
| Memoranda: | ||
| Average total assets | $95,845,330 | 5,012 |
| Average earning assets | $84,945,670 | 5,079 |
| Average equity | $4,922,330 | 6,411 |
| Average total loans | $56,249,330 | 4,946 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8872% | 6,044 |
| Cost of funding earning assets | 0.7059% | 4,224 |
| Net interest margin | 3.1813% | 5,826 |
| Noninterest income to average assets | 0.7746% | 2,280 |
| Noninterest expense to average assets | 3.4466% | 1,892 |
| Loan and lease loss provision to assets | 0.1229% | 3,803 |
| Net operating income to assets | -0.0082% | 6,429 |
| Return on assets (ROA) | -0.0082% | 6,539 |
| Pretax return on assets | 0.0123% | 6,508 |
| Return on Equity (ROE) | -0.1614% | 6,550 |
| Retained earnings to average equity (ytd only) | -0.1614% | 6,021 |
| Net charge-offs to loans | 1.1642% | 882 |
| Credit loss provision to net charge-offs | 17.9641% | 3,805 |
| Earnings coverage of net charge-offs (x) | 0.1976% | 4,267 |
| Efficiency ratio | 93.7071% | 837 |
| Assets per employee ($millions) | 3.1241% | 5,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5518% | 107 |
| Loan loss allowance to noncurrent loans | 52.8506% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 8.6994% | 416 |
| Noncurrent loans to loans | 10.5047% | 271 |
| Net loans and leases to total assets | 54.8768% | 4,575 |
| Net loans and leases to deposits | 65.8636% | 4,400 |
| Net loans and leases to core deposits | 66.4093% | 4,869 |
| Total domestic deposits to total assets | 83.3189% | 4,809 |
| Equity capital to assets | 5.1112% | 7,133 |
| Core capital (leverage) ratio | 4.8420% | 7,131 |
| Tier 1 risk-based capital ratio | 6.4490% | 7,161 |
| Total risk-based capital ratio | 7.7380% | 7,160 |
| Memoranda: | ||
| Average total assets | $97,602,500 | 4,994 |
| Average earning assets | $86,129,000 | 5,077 |
| Average equity | $4,956,500 | 6,437 |
| Average total loans | $57,376,500 | 4,922 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1905% | 6,082 |
| Cost of funding earning assets | 0.8262% | 4,661 |
| Net interest margin | 3.3643% | 5,601 |
| Noninterest income to average assets | 0.9140% | 1,625 |
| Noninterest expense to average assets | 3.6389% | 1,666 |
| Loan and lease loss provision to assets | 0.1053% | 5,270 |
| Net operating income to assets | -3.1496% | 7,199 |
| Return on assets (ROA) | -3.1441% | 7,196 |
| Pretax return on assets | 0.1445% | 5,897 |
| Return on Equity (ROE) | -55.4561% | 7,227 |
| Retained earnings to average equity (ytd only) | -55.4561% | 7,226 |
| Net charge-offs to loans | 5.0722% | 80 |
| Credit loss provision to net charge-offs | 3.2220% | 6,053 |
| Earnings coverage of net charge-offs (x) | 0.0738% | 5,773 |
| Efficiency ratio | 91.5639% | 1,071 |
| Assets per employee ($millions) | 2.9806% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5760% | 123 |
| Loan loss allowance to noncurrent loans | 52.6392% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 9.1075% | 393 |
| Noncurrent loans to loans | 10.5928% | 283 |
| Net loans and leases to total assets | 56.1433% | 4,672 |
| Net loans and leases to deposits | 66.9147% | 4,600 |
| Net loans and leases to core deposits | 67.7055% | 5,066 |
| Total domestic deposits to total assets | 83.9028% | 4,354 |
| Equity capital to assets | 5.0458% | 7,163 |
| Core capital (leverage) ratio | 4.7768% | 7,163 |
| Tier 1 risk-based capital ratio | 6.2693% | 7,193 |
| Total risk-based capital ratio | 7.5592% | 7,189 |
| Memoranda: | ||
| Average total assets | $104,481,000 | 4,775 |
| Average earning assets | $92,113,000 | 4,850 |
| Average equity | $5,923,600 | 6,176 |
| Average total loans | $67,308,200 | 4,586 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0970% | 6,421 |
| Cost of funding earning assets | 0.8523% | 4,756 |
| Net interest margin | 3.2447% | 6,032 |
| Noninterest income to average assets | 0.8376% | 1,888 |
| Noninterest expense to average assets | 3.6297% | 1,650 |
| Loan and lease loss provision to assets | 0.1006% | 5,193 |
| Net operating income to assets | -3.6662% | 7,312 |
| Return on assets (ROA) | -3.6549% | 7,314 |
| Pretax return on assets | -0.0038% | 6,236 |
| Return on Equity (ROE) | -62.8606% | 7,330 |
| Retained earnings to average equity (ytd only) | -62.8606% | 7,327 |
| Net charge-offs to loans | 6.2853% | 51 |
| Credit loss provision to net charge-offs | 2.4413% | 5,721 |
| Earnings coverage of net charge-offs (x) | 0.0207% | 5,585 |
| Efficiency ratio | 95.4299% | 850 |
| Assets per employee ($millions) | 3.0835% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3116% | 150 |
| Loan loss allowance to noncurrent loans | 50.2086% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 9.5529% | 391 |
| Noncurrent loans to loans | 10.5791% | 319 |
| Net loans and leases to total assets | 60.8663% | 3,970 |
| Net loans and leases to deposits | 78.3198% | 2,918 |
| Net loans and leases to core deposits | 79.3149% | 3,732 |
| Total domestic deposits to total assets | 77.7151% | 6,246 |
| Equity capital to assets | 5.4068% | 7,234 |
| Core capital (leverage) ratio | 4.6758% | 7,262 |
| Tier 1 risk-based capital ratio | 6.2134% | 7,289 |
| Total risk-based capital ratio | 7.4128% | 7,292 |
| Memoranda: | ||
| Average total assets | $106,011,500 | 4,761 |
| Average earning assets | $94,016,750 | 4,849 |
| Average equity | $6,163,750 | 6,161 |
| Average total loans | $69,514,500 | 4,548 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 6,060 |
| Cost of funding earning assets | 0.8885% | 4,766 |
| Net interest margin | 3.3979% | 5,564 |
| Noninterest income to average assets | 1.1894% | 912 |
| Noninterest expense to average assets | 3.6420% | 1,646 |
| Loan and lease loss provision to assets | 0.0922% | 5,169 |
| Net operating income to assets | -4.8328% | 7,436 |
| Return on assets (ROA) | -4.8221% | 7,436 |
| Pretax return on assets | 0.4831% | 5,123 |
| Return on Equity (ROE) | -81.2112% | 7,420 |
| Retained earnings to average equity (ytd only) | -81.2112% | 7,417 |
| Net charge-offs to loans | 7.8525% | 44 |
| Credit loss provision to net charge-offs | 1.7800% | 5,322 |
| Earnings coverage of net charge-offs (x) | 0.1079% | 5,211 |
| Efficiency ratio | 84.7234% | 1,736 |
| Assets per employee ($millions) | 2.8538% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6951% | 124 |
| Loan loss allowance to noncurrent loans | 46.8481% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 9.4736% | 433 |
| Noncurrent loans to loans | 12.1565% | 243 |
| Net loans and leases to total assets | 61.3278% | 4,022 |
| Net loans and leases to deposits | 78.4508% | 3,047 |
| Net loans and leases to core deposits | 79.3989% | 3,872 |
| Total domestic deposits to total assets | 78.1736% | 6,255 |
| Equity capital to assets | 5.4225% | 7,301 |
| Core capital (leverage) ratio | 4.7511% | 7,320 |
| Tier 1 risk-based capital ratio | 6.3310% | 7,348 |
| Total risk-based capital ratio | 7.6248% | 7,351 |
| Memoranda: | ||
| Average total assets | $108,458,000 | 4,745 |
| Average earning assets | $96,118,330 | 4,811 |
| Average equity | $6,440,000 | 6,104 |
| Average total loans | $71,543,670 | 4,517 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 5,391 |
| Cost of funding earning assets | 0.9362% | 4,678 |
| Net interest margin | 3.5484% | 4,820 |
| Noninterest income to average assets | 1.7535% | 446 |
| Noninterest expense to average assets | 3.2124% | 2,856 |
| Loan and lease loss provision to assets | 0.0719% | 5,106 |
| Net operating income to assets | -8.8387% | 7,546 |
| Return on assets (ROA) | -8.8180% | 7,546 |
| Pretax return on assets | 1.6206% | 1,142 |
| Return on Equity (ROE) | -142.7886% | 7,519 |
| Retained earnings to average equity (ytd only) | -142.7886% | 7,514 |
| Net charge-offs to loans | 3.7181% | 263 |
| Credit loss provision to net charge-offs | 2.9112% | 4,452 |
| Earnings coverage of net charge-offs (x) | 0.6725% | 4,124 |
| Efficiency ratio | 64.3068% | 5,311 |
| Assets per employee ($millions) | 3.1480% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2910% | 35 |
| Loan loss allowance to noncurrent loans | 60.1898% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 11.8066% | 283 |
| Noncurrent loans to loans | 13.7748% | 193 |
| Net loans and leases to total assets | 62.8005% | 3,697 |
| Net loans and leases to deposits | 81.1340% | 2,502 |
| Net loans and leases to core deposits | 81.7542% | 3,487 |
| Total domestic deposits to total assets | 77.4034% | 6,467 |
| Equity capital to assets | 5.4147% | 7,347 |
| Core capital (leverage) ratio | 4.4977% | 7,395 |
| Tier 1 risk-based capital ratio | 6.6196% | 7,395 |
| Total risk-based capital ratio | 7.9491% | 7,394 |
| Memoranda: | ||
| Average total assets | $111,318,000 | 4,706 |
| Average earning assets | $97,846,500 | 4,792 |
| Average equity | $6,874,500 | 5,963 |
| Average total loans | $73,909,500 | 4,470 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9038% | 5,015 |
| Cost of funding earning assets | 1.2052% | 4,535 |
| Net interest margin | 3.6986% | 4,344 |
| Noninterest income to average assets | 0.8050% | 2,257 |
| Noninterest expense to average assets | 2.6643% | 5,156 |
| Loan and lease loss provision to assets | 4.5034% | 108 |
| Net operating income to assets | -1.7750% | 6,989 |
| Return on assets (ROA) | -1.7697% | 7,009 |
| Pretax return on assets | -3.0608% | 7,307 |
| Return on Equity (ROE) | -24.9474% | 7,136 |
| Retained earnings to average equity (ytd only) | -24.9474% | 7,116 |
| Net charge-offs to loans | 1.9205% | 1,072 |
| Credit loss provision to net charge-offs | 329.7461% | 783 |
| Earnings coverage of net charge-offs (x) | 1.0502% | 5,059 |
| Efficiency ratio | 63.3689% | 5,449 |
| Assets per employee ($millions) | 3.5986% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5613% | 34 |
| Loan loss allowance to noncurrent loans | 56.1351% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 11.0928% | 342 |
| Noncurrent loans to loans | 15.2513% | 159 |
| Net loans and leases to total assets | 59.0444% | 4,837 |
| Net loans and leases to deposits | 75.1280% | 3,997 |
| Net loans and leases to core deposits | 75.6215% | 4,770 |
| Total domestic deposits to total assets | 78.5917% | 6,193 |
| Equity capital to assets | 6.8411% | 7,162 |
| Core capital (leverage) ratio | 3.6690% | 7,519 |
| Tier 1 risk-based capital ratio | 5.0865% | 7,520 |
| Total risk-based capital ratio | 6.4171% | 7,521 |
| Memoranda: | ||
| Average total assets | $132,678,400 | 4,206 |
| Average earning assets | $118,153,600 | 4,273 |
| Average equity | $9,411,800 | 5,297 |
| Average total loans | $94,348,000 | 3,945 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 4,955 |
| Cost of funding earning assets | 1.2570% | 4,519 |
| Net interest margin | 3.7120% | 4,343 |
| Noninterest income to average assets | 0.7755% | 2,352 |
| Noninterest expense to average assets | 2.6654% | 5,028 |
| Loan and lease loss provision to assets | 5.5571% | 64 |
| Net operating income to assets | -2.3806% | 7,320 |
| Return on assets (ROA) | -2.3756% | 7,332 |
| Pretax return on assets | -4.1137% | 7,574 |
| Return on Equity (ROE) | -33.2307% | 7,433 |
| Retained earnings to average equity (ytd only) | -33.2307% | 7,427 |
| Net charge-offs to loans | 2.4381% | 700 |
| Credit loss provision to net charge-offs | 314.2303% | 1,003 |
| Earnings coverage of net charge-offs (x) | 0.8117% | 5,241 |
| Efficiency ratio | 63.3954% | 5,363 |
| Assets per employee ($millions) | 3.8530% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1203% | 56 |
| Loan loss allowance to noncurrent loans | 67.4882% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 8.9598% | 511 |
| Noncurrent loans to loans | 10.5505% | 379 |
| Net loans and leases to total assets | 66.3458% | 3,608 |
| Net loans and leases to deposits | 84.0605% | 2,694 |
| Net loans and leases to core deposits | 85.1384% | 3,777 |
| Total domestic deposits to total assets | 78.9262% | 6,040 |
| Equity capital to assets | 6.6710% | 7,400 |
| Core capital (leverage) ratio | 3.3188% | 7,655 |
| Tier 1 risk-based capital ratio | 4.5004% | 7,662 |
| Total risk-based capital ratio | 5.8182% | 7,666 |
| Memoranda: | ||
| Average total assets | $136,159,750 | 4,187 |
| Average earning assets | $121,980,000 | 4,240 |
| Average equity | $9,733,750 | 5,275 |
| Average total loans | $98,764,500 | 3,898 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9675% | 5,096 |
| Cost of funding earning assets | 1.3018% | 4,527 |
| Net interest margin | 3.6657% | 4,519 |
| Noninterest income to average assets | 0.9698% | 1,459 |
| Noninterest expense to average assets | 2.6615% | 5,075 |
| Loan and lease loss provision to assets | 2.7056% | 395 |
| Net operating income to assets | -0.5256% | 6,673 |
| Return on assets (ROA) | -0.5183% | 6,705 |
| Pretax return on assets | -1.0979% | 6,931 |
| Return on Equity (ROE) | -7.1117% | 6,842 |
| Retained earnings to average equity (ytd only) | -7.1117% | 6,749 |
| Net charge-offs to loans | 0.0899% | 5,241 |
| Credit loss provision to net charge-offs | 4,130.4348% | 91 |
| Earnings coverage of net charge-offs (x) | 24.3696% | 1,075 |
| Efficiency ratio | 61.0033% | 5,855 |
| Assets per employee ($millions) | 4.4880% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3400% | 287 |
| Loan loss allowance to noncurrent loans | 56.3336% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 7.1391% | 736 |
| Noncurrent loans to loans | 7.7041% | 689 |
| Net loans and leases to total assets | 69.6745% | 2,978 |
| Net loans and leases to deposits | 88.0158% | 2,163 |
| Net loans and leases to core deposits | 89.8872% | 3,287 |
| Total domestic deposits to total assets | 79.1613% | 5,994 |
| Equity capital to assets | 7.5810% | 7,072 |
| Core capital (leverage) ratio | 5.5614% | 7,544 |
| Tier 1 risk-based capital ratio | 7.4219% | 7,565 |
| Total risk-based capital ratio | 8.7072% | 7,571 |
| Memoranda: | ||
| Average total assets | $140,448,000 | 4,128 |
| Average earning assets | $125,978,000 | 4,182 |
| Average equity | $10,236,670 | 5,133 |
| Average total loans | $102,328,670 | 3,824 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9655% | 5,174 |
| Cost of funding earning assets | 1.3696% | 4,361 |
| Net interest margin | 3.5959% | 4,750 |
| Noninterest income to average assets | 0.9627% | 1,412 |
| Noninterest expense to average assets | 2.6955% | 4,927 |
| Loan and lease loss provision to assets | 4.4645% | 183 |
| Net operating income to assets | -1.7090% | 7,388 |
| Return on assets (ROA) | -1.6965% | 7,388 |
| Pretax return on assets | -2.9689% | 7,593 |
| Return on Equity (ROE) | -23.7234% | 7,484 |
| Retained earnings to average equity (ytd only) | -23.7234% | 7,440 |
| Net charge-offs to loans | -0.4825% | 7,791 |
| Credit loss provision to net charge-offs | -1,269.8413% | 6,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1438% | 5,634 |
| Assets per employee ($millions) | 4.1136% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0145% | 371 |
| Loan loss allowance to noncurrent loans | 51.2477% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 6.6657% | 838 |
| Noncurrent loans to loans | 7.8335% | 699 |
| Net loans and leases to total assets | 68.5524% | 3,268 |
| Net loans and leases to deposits | 85.6680% | 2,655 |
| Net loans and leases to core deposits | 89.3907% | 3,448 |
| Total domestic deposits to total assets | 80.0210% | 5,780 |
| Equity capital to assets | 6.9039% | 7,408 |
| Core capital (leverage) ratio | 5.3150% | 7,675 |
| Tier 1 risk-based capital ratio | 7.1285% | 7,687 |
| Total risk-based capital ratio | 8.4031% | 7,688 |
| Memoranda: | ||
| Average total assets | $143,352,500 | 4,135 |
| Average earning assets | $127,922,000 | 4,193 |
| Average equity | $10,251,500 | 5,163 |
| Average total loans | $104,460,500 | 3,812 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4115% | 4,645 |
| Cost of funding earning assets | 1.6433% | 4,832 |
| Net interest margin | 3.7682% | 3,840 |
| Noninterest income to average assets | 0.5681% | 3,881 |
| Noninterest expense to average assets | 5.1771% | 467 |
| Loan and lease loss provision to assets | 4.1225% | 311 |
| Net operating income to assets | -3.4587% | 7,497 |
| Return on assets (ROA) | -3.3169% | 7,463 |
| Pretax return on assets | -5.1547% | 7,725 |
| Return on Equity (ROE) | -33.1487% | 7,462 |
| Retained earnings to average equity (ytd only) | -34.6997% | 7,472 |
| Net charge-offs to loans | 4.6948% | 297 |
| Credit loss provision to net charge-offs | 114.9095% | 4,757 |
| Earnings coverage of net charge-offs (x) | -0.3495% | 6,581 |
| Efficiency ratio | 70.1564% | 4,589 |
| Assets per employee ($millions) | 3.9647% | 3,889 |
| Cash dividends to net income (ytd only)* | -4.6790% | 7,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2640% | 1,542 |
| Loan loss allowance to noncurrent loans | 30.8899% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 6.5306% | 833 |
| Noncurrent loans to loans | 7.3293% | 730 |
| Net loans and leases to total assets | 72.6496% | 2,592 |
| Net loans and leases to deposits | 91.3304% | 1,994 |
| Net loans and leases to core deposits | 114.9095% | 2,423 |
| Total domestic deposits to total assets | 79.5459% | 5,834 |
| Equity capital to assets | 7.4007% | 7,119 |
| Core capital (leverage) ratio | 5.9134% | 7,653 |
| Tier 1 risk-based capital ratio | 7.2799% | 7,717 |
| Total risk-based capital ratio | 8.5403% | 7,723 |
| Memoranda: | ||
| Average total assets | $138,532,800 | 4,152 |
| Average earning assets | $123,349,400 | 4,235 |
| Average equity | $13,861,800 | 4,294 |
| Average total loans | $105,862,200 | 3,780 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4718% | 4,570 |
| Cost of funding earning assets | 1.6819% | 4,989 |
| Net interest margin | 3.7899% | 3,700 |
| Noninterest income to average assets | 0.4771% | 4,698 |
| Noninterest expense to average assets | 2.7590% | 5,067 |
| Loan and lease loss provision to assets | 2.7154% | 584 |
| Net operating income to assets | -0.7915% | 6,686 |
| Return on assets (ROA) | -0.7487% | 6,657 |
| Pretax return on assets | -1.5410% | 6,986 |
| Return on Equity (ROE) | -7.0085% | 6,659 |
| Retained earnings to average equity (ytd only) | -8.3794% | 6,646 |
| Net charge-offs to loans | 2.9059% | 590 |
| Credit loss provision to net charge-offs | 121.4224% | 4,179 |
| Earnings coverage of net charge-offs (x) | 0.4952% | 5,535 |
| Efficiency ratio | 69.6764% | 4,650 |
| Assets per employee ($millions) | 3.8857% | 3,976 |
| Cash dividends to net income (ytd only)* | -19.5597% | 7,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 1,857 |
| Loan loss allowance to noncurrent loans | 22.8574% | 6,917 |
| Noncurrent assets plus other real estate owned to assets | 7.4832% | 600 |
| Noncurrent loans to loans | 8.6450% | 530 |
| Net loans and leases to total assets | 76.4208% | 1,914 |
| Net loans and leases to deposits | 101.0273% | 1,009 |
| Net loans and leases to core deposits | 127.7448% | 1,603 |
| Total domestic deposits to total assets | 75.6437% | 6,652 |
| Equity capital to assets | 10.5207% | 3,486 |
| Core capital (leverage) ratio | 7.7286% | 6,693 |
| Tier 1 risk-based capital ratio | 9.3571% | 7,459 |
| Total risk-based capital ratio | 10.6149% | 7,432 |
| Memoranda: | ||
| Average total assets | $137,483,750 | 4,199 |
| Average earning assets | $122,955,000 | 4,276 |
| Average equity | $14,686,500 | 4,150 |
| Average total loans | $105,804,250 | 3,826 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5311% | 4,437 |
| Cost of funding earning assets | 1.7295% | 5,128 |
| Net interest margin | 3.8016% | 3,543 |
| Noninterest income to average assets | 0.7506% | 2,699 |
| Noninterest expense to average assets | 2.8372% | 4,794 |
| Loan and lease loss provision to assets | 3.5118% | 410 |
| Net operating income to assets | -1.1633% | 7,091 |
| Return on assets (ROA) | -1.1633% | 7,097 |
| Pretax return on assets | -2.2051% | 7,345 |
| Return on Equity (ROE) | -10.8338% | 7,100 |
| Retained earnings to average equity (ytd only) | -11.7332% | 7,038 |
| Net charge-offs to loans | 1.0848% | 1,674 |
| Credit loss provision to net charge-offs | 422.5352% | 1,094 |
| Earnings coverage of net charge-offs (x) | 1.5722% | 4,360 |
| Efficiency ratio | 66.8785% | 5,387 |
| Assets per employee ($millions) | 3.8162% | 4,057 |
| Cash dividends to net income (ytd only)* | -8.3019% | 7,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3402% | 432 |
| Loan loss allowance to noncurrent loans | 45.9243% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 7.2884% | 565 |
| Noncurrent loans to loans | 7.2732% | 656 |
| Net loans and leases to total assets | 73.5768% | 2,819 |
| Net loans and leases to deposits | 93.9974% | 2,090 |
| Net loans and leases to core deposits | 122.5132% | 2,155 |
| Total domestic deposits to total assets | 78.2753% | 6,008 |
| Equity capital to assets | 10.2400% | 3,684 |
| Core capital (leverage) ratio | 7.5094% | 6,997 |
| Tier 1 risk-based capital ratio | 9.0040% | 7,693 |
| Total risk-based capital ratio | 10.2770% | 7,698 |
| Memoranda: | ||
| Average total assets | $136,683,000 | 4,243 |
| Average earning assets | $122,001,330 | 4,320 |
| Average equity | $14,676,330 | 4,166 |
| Average total loans | $104,720,000 | 3,898 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7587% | 3,487 |
| Cost of funding earning assets | 1.7545% | 5,339 |
| Net interest margin | 4.0042% | 2,623 |
| Noninterest income to average assets | 0.6396% | 3,275 |
| Noninterest expense to average assets | 2.6113% | 5,411 |
| Loan and lease loss provision to assets | 0.7335% | 1,748 |
| Net operating income to assets | 0.6660% | 3,725 |
| Return on assets (ROA) | 0.6660% | 3,901 |
| Pretax return on assets | 0.8773% | 3,805 |
| Return on Equity (ROE) | 6.0612% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.2989% | 3,516 |
| Net charge-offs to loans | 0.7672% | 1,673 |
| Credit loss provision to net charge-offs | 124.3781% | 3,195 |
| Earnings coverage of net charge-offs (x) | 2.7313% | 3,397 |
| Efficiency ratio | 60.3197% | 6,349 |
| Assets per employee ($millions) | 3.9675% | 3,731 |
| Cash dividends to net income (ytd only)* | 29.0749% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 2,349 |
| Loan loss allowance to noncurrent loans | 20.1319% | 7,163 |
| Noncurrent assets plus other real estate owned to assets | 7.4799% | 421 |
| Noncurrent loans to loans | 8.1523% | 433 |
| Net loans and leases to total assets | 75.9717% | 2,280 |
| Net loans and leases to deposits | 98.9849% | 1,533 |
| Net loans and leases to core deposits | 128.1281% | 1,778 |
| Total domestic deposits to total assets | 76.7508% | 6,347 |
| Equity capital to assets | 11.1954% | 2,816 |
| Core capital (leverage) ratio | 8.3007% | 5,905 |
| Tier 1 risk-based capital ratio | 9.3943% | 7,514 |
| Total risk-based capital ratio | 10.6464% | 7,468 |
| Memoranda: | ||
| Average total assets | $136,333,000 | 4,277 |
| Average earning assets | $121,971,000 | 4,330 |
| Average equity | $14,980,500 | 4,148 |
| Average total loans | $104,792,500 | 3,910 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2575% | 4,201 |
| Cost of funding earning assets | 2.5339% | 4,031 |
| Net interest margin | 3.7236% | 4,368 |
| Noninterest income to average assets | 0.9923% | 1,601 |
| Noninterest expense to average assets | 2.9277% | 4,346 |
| Loan and lease loss provision to assets | 0.7805% | 1,916 |
| Net operating income to assets | 0.5599% | 4,484 |
| Return on assets (ROA) | 0.6058% | 4,139 |
| Pretax return on assets | 0.6550% | 4,530 |
| Return on Equity (ROE) | 5.4863% | 4,166 |
| Retained earnings to average equity (ytd only) | 3.0822% | 3,243 |
| Net charge-offs to loans | 0.4771% | 2,449 |
| Credit loss provision to net charge-offs | 219.1083% | 2,191 |
| Earnings coverage of net charge-offs (x) | 3.8896% | 4,192 |
| Efficiency ratio | 66.2809% | 5,068 |
| Assets per employee ($millions) | 4.1749% | 3,159 |
| Cash dividends to net income (ytd only)* | 43.8202% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 2,340 |
| Loan loss allowance to noncurrent loans | 26.3108% | 6,923 |
| Noncurrent assets plus other real estate owned to assets | 5.2014% | 650 |
| Noncurrent loans to loans | 5.9900% | 596 |
| Net loans and leases to total assets | 75.2931% | 2,807 |
| Net loans and leases to deposits | 97.9121% | 2,139 |
| Net loans and leases to core deposits | 117.3704% | 2,963 |
| Total domestic deposits to total assets | 76.8986% | 6,022 |
| Equity capital to assets | 10.7853% | 3,219 |
| Core capital (leverage) ratio | 8.3900% | 5,786 |
| Tier 1 risk-based capital ratio | 9.1963% | 7,619 |
| Total risk-based capital ratio | 10.4564% | 7,562 |
| Memoranda: | ||
| Average total assets | $132,219,000 | 4,228 |
| Average earning assets | $117,922,800 | 4,308 |
| Average equity | $14,600,000 | 4,220 |
| Average total loans | $98,727,000 | 3,981 |