Home > Community Bank of Rowan > Performance and Condition Ratios
Community Bank of Rowan, Performance and Condition Ratios
| 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 | 5.2013% | 2,054 |
| Cost of funding earning assets | 0.9202% | 3,956 |
| Net interest margin | 4.2811% | 1,766 |
| Noninterest income to average assets | 0.7521% | 2,327 |
| Noninterest expense to average assets | 2.6403% | 4,960 |
| Loan and lease loss provision to assets | 0.7984% | 1,237 |
| Net operating income to assets | 0.7366% | 3,310 |
| Return on assets (ROA) | 0.7366% | 3,480 |
| Pretax return on assets | 1.2043% | 2,444 |
| Return on Equity (ROE) | 7.2957% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.2957% | 1,363 |
| Net charge-offs to loans | 2.3751% | 512 |
| Credit loss provision to net charge-offs | 47.3750% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.1883% | 4,895 |
| Efficiency ratio | 56.8663% | 6,205 |
| Assets per employee ($millions) | 6.2845% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4297% | 7,149 |
| Loan loss allowance to noncurrent loans | 22.5434% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 2.7902% | 2,171 |
| Noncurrent loans to loans | 1.9062% | 3,337 |
| Net loans and leases to total assets | 75.0221% | 1,087 |
| Net loans and leases to deposits | 88.6346% | 1,301 |
| Net loans and leases to core deposits | 108.8067% | 666 |
| Total domestic deposits to total assets | 84.6420% | 4,025 |
| Equity capital to assets | 12.2074% | 1,963 |
| Core capital (leverage) ratio | 9.7167% | 3,724 |
| Tier 1 risk-based capital ratio | 12.6075% | 5,365 |
| Total risk-based capital ratio | 13.0436% | 5,942 |
| Memoranda: | ||
| Average total assets | $142,406,800 | 3,933 |
| Average earning assets | $129,428,800 | 3,944 |
| Average equity | $14,378,400 | 4,034 |
| Average total loans | $101,046,600 | 3,593 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 2,937 |
| Cost of funding earning assets | 0.9719% | 3,874 |
| Net interest margin | 4.0580% | 2,660 |
| Noninterest income to average assets | 0.6776% | 2,732 |
| Noninterest expense to average assets | 2.2856% | 6,074 |
| Loan and lease loss provision to assets | 0.5263% | 1,877 |
| Net operating income to assets | 0.9661% | 2,452 |
| Return on assets (ROA) | 0.9661% | 2,620 |
| Pretax return on assets | 1.5779% | 1,442 |
| Return on Equity (ROE) | 10.1066% | 2,165 |
| Retained earnings to average equity (ytd only) | 10.1066% | 819 |
| Net charge-offs to loans | 2.7801% | 365 |
| Credit loss provision to net charge-offs | 27.1055% | 5,457 |
| Earnings coverage of net charge-offs (x) | 1.0837% | 4,817 |
| Efficiency ratio | 52.0659% | 6,669 |
| Assets per employee ($millions) | 6.4087% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2317% | 7,322 |
| Loan loss allowance to noncurrent loans | 9.6113% | 6,903 |
| Noncurrent assets plus other real estate owned to assets | 2.9485% | 2,185 |
| Noncurrent loans to loans | 2.4107% | 2,874 |
| Net loans and leases to total assets | 65.7291% | 2,960 |
| Net loans and leases to deposits | 77.1468% | 3,146 |
| Net loans and leases to core deposits | 94.3516% | 1,762 |
| Total domestic deposits to total assets | 85.2000% | 3,676 |
| Equity capital to assets | 11.9634% | 2,280 |
| Core capital (leverage) ratio | 9.1903% | 4,640 |
| Tier 1 risk-based capital ratio | 13.8439% | 4,462 |
| Total risk-based capital ratio | 14.0832% | 5,197 |
| Memoranda: | ||
| Average total assets | $141,872,500 | 3,963 |
| Average earning assets | $129,781,000 | 3,961 |
| Average equity | $13,561,750 | 4,224 |
| Average total loans | $99,081,250 | 3,667 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 4,460 |
| Cost of funding earning assets | 1.0401% | 3,671 |
| Net interest margin | 3.6770% | 4,372 |
| Noninterest income to average assets | 0.8812% | 1,711 |
| Noninterest expense to average assets | 2.3638% | 5,950 |
| Loan and lease loss provision to assets | 0.6127% | 1,562 |
| Net operating income to assets | 0.7827% | 3,142 |
| Return on assets (ROA) | 0.7827% | 3,270 |
| Pretax return on assets | 1.2826% | 2,194 |
| Return on Equity (ROE) | 8.9804% | 2,524 |
| Retained earnings to average equity (ytd only) | 8.9804% | 1,113 |
| Net charge-offs to loans | 4.1789% | 186 |
| Credit loss provision to net charge-offs | 20.5854% | 5,125 |
| Earnings coverage of net charge-offs (x) | 0.6368% | 4,823 |
| Efficiency ratio | 55.4997% | 6,460 |
| Assets per employee ($millions) | 6.3168% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0811% | 7,429 |
| Loan loss allowance to noncurrent loans | 2.4032% | 7,000 |
| Noncurrent assets plus other real estate owned to assets | 2.9019% | 2,315 |
| Noncurrent loans to loans | 3.3751% | 2,107 |
| Net loans and leases to total assets | 65.2871% | 3,189 |
| Net loans and leases to deposits | 76.4851% | 3,381 |
| Net loans and leases to core deposits | 94.7072% | 1,821 |
| Total domestic deposits to total assets | 85.3592% | 3,695 |
| Equity capital to assets | 11.7837% | 2,258 |
| Core capital (leverage) ratio | 9.1408% | 4,502 |
| Tier 1 risk-based capital ratio | 14.1682% | 4,044 |
| Total risk-based capital ratio | 14.2518% | 4,895 |
| Memoranda: | ||
| Average total assets | $140,030,330 | 4,026 |
| Average earning assets | $128,636,330 | 4,020 |
| Average equity | $12,204,330 | 4,507 |
| Average total loans | $99,738,670 | 3,692 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 5,954 |
| Cost of funding earning assets | 1.1377% | 3,243 |
| Net interest margin | 3.1819% | 6,125 |
| Noninterest income to average assets | 0.3464% | 5,136 |
| Noninterest expense to average assets | 2.5473% | 5,394 |
| Loan and lease loss provision to assets | 1.0888% | 670 |
| Net operating income to assets | -0.2067% | 6,566 |
| Return on assets (ROA) | -0.2067% | 6,578 |
| Pretax return on assets | -0.3260% | 6,637 |
| Return on Equity (ROE) | -2.9139% | 6,657 |
| Retained earnings to average equity (ytd only) | -2.9139% | 6,279 |
| Net charge-offs to loans | 1.8875% | 681 |
| Credit loss provision to net charge-offs | 77.5934% | 3,205 |
| Earnings coverage of net charge-offs (x) | 0.5436% | 4,213 |
| Efficiency ratio | 76.9569% | 2,992 |
| Assets per employee ($millions) | 6.4061% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 3,693 |
| Loan loss allowance to noncurrent loans | 36.9245% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 4.8376% | 1,314 |
| Noncurrent loans to loans | 4.3559% | 1,622 |
| Net loans and leases to total assets | 74.0294% | 1,337 |
| Net loans and leases to deposits | 82.5002% | 2,273 |
| Net loans and leases to core deposits | 100.2254% | 1,323 |
| Total domestic deposits to total assets | 89.7323% | 1,335 |
| Equity capital to assets | 7.2118% | 7,004 |
| Core capital (leverage) ratio | 6.8428% | 7,069 |
| Tier 1 risk-based capital ratio | 9.5547% | 7,137 |
| Total risk-based capital ratio | 10.8100% | 7,135 |
| Memoranda: | ||
| Average total assets | $137,402,500 | 4,114 |
| Average earning assets | $127,972,000 | 4,064 |
| Average equity | $9,746,500 | 5,109 |
| Average total loans | $102,143,000 | 3,663 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5051% | 6,391 |
| Cost of funding earning assets | 1.3455% | 3,605 |
| Net interest margin | 3.1596% | 6,366 |
| Noninterest income to average assets | 0.4371% | 4,613 |
| Noninterest expense to average assets | 2.3686% | 6,169 |
| Loan and lease loss provision to assets | 2.2931% | 530 |
| Net operating income to assets | -0.7818% | 6,567 |
| Return on assets (ROA) | -0.7818% | 6,592 |
| Pretax return on assets | -1.2677% | 6,768 |
| Return on Equity (ROE) | -10.5976% | 6,750 |
| Retained earnings to average equity (ytd only) | -10.5976% | 6,691 |
| Net charge-offs to loans | 3.0214% | 545 |
| Credit loss provision to net charge-offs | 99.9384% | 4,630 |
| Earnings coverage of net charge-offs (x) | 0.4469% | 5,665 |
| Efficiency ratio | 69.7878% | 4,222 |
| Assets per employee ($millions) | 6.3762% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6843% | 3,275 |
| Loan loss allowance to noncurrent loans | 50.4505% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 3.0084% | 2,337 |
| Noncurrent loans to loans | 3.3386% | 2,275 |
| Net loans and leases to total assets | 72.2369% | 2,046 |
| Net loans and leases to deposits | 80.1752% | 3,143 |
| Net loans and leases to core deposits | 96.9313% | 1,902 |
| Total domestic deposits to total assets | 90.0988% | 1,036 |
| Equity capital to assets | 6.9798% | 7,119 |
| Core capital (leverage) ratio | 6.8320% | 7,095 |
| Tier 1 risk-based capital ratio | 10.0466% | 6,962 |
| Total risk-based capital ratio | 11.3038% | 6,945 |
| Memoranda: | ||
| Average total assets | $141,599,800 | 4,028 |
| Average earning assets | $132,515,200 | 3,964 |
| Average equity | $10,445,800 | 4,998 |
| Average total loans | $107,531,600 | 3,603 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 6,510 |
| Cost of funding earning assets | 1.3845% | 3,674 |
| Net interest margin | 3.1518% | 6,482 |
| Noninterest income to average assets | 0.3419% | 5,435 |
| Noninterest expense to average assets | 2.3250% | 6,249 |
| Loan and lease loss provision to assets | 1.9493% | 616 |
| Net operating income to assets | -0.6078% | 6,667 |
| Return on assets (ROA) | -0.6078% | 6,716 |
| Pretax return on assets | -0.9854% | 6,850 |
| Return on Equity (ROE) | -8.1309% | 6,845 |
| Retained earnings to average equity (ytd only) | -8.1309% | 6,782 |
| Net charge-offs to loans | 2.3476% | 748 |
| Credit loss provision to net charge-offs | 108.4684% | 3,925 |
| Earnings coverage of net charge-offs (x) | 0.5363% | 5,488 |
| Efficiency ratio | 70.6941% | 3,940 |
| Assets per employee ($millions) | 6.7964% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 3,019 |
| Loan loss allowance to noncurrent loans | 53.7330% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 2.5869% | 2,791 |
| Noncurrent loans to loans | 3.2404% | 2,445 |
| Net loans and leases to total assets | 71.7121% | 2,314 |
| Net loans and leases to deposits | 83.2239% | 2,860 |
| Net loans and leases to core deposits | 98.6412% | 1,976 |
| Total domestic deposits to total assets | 86.1677% | 2,995 |
| Equity capital to assets | 6.8720% | 7,372 |
| Core capital (leverage) ratio | 7.0021% | 7,166 |
| Tier 1 risk-based capital ratio | 9.8162% | 7,153 |
| Total risk-based capital ratio | 11.0735% | 7,138 |
| Memoranda: | ||
| Average total assets | $141,930,750 | 4,081 |
| Average earning assets | $132,704,750 | 4,014 |
| Average equity | $10,609,500 | 5,021 |
| Average total loans | $108,647,750 | 3,629 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 6,567 |
| Cost of funding earning assets | 1.3939% | 3,912 |
| Net interest margin | 3.1641% | 6,421 |
| Noninterest income to average assets | 0.3185% | 5,605 |
| Noninterest expense to average assets | 2.3156% | 6,313 |
| Loan and lease loss provision to assets | 2.6284% | 418 |
| Net operating income to assets | -1.0129% | 6,951 |
| Return on assets (ROA) | -1.0129% | 6,972 |
| Pretax return on assets | -1.6456% | 7,125 |
| Return on Equity (ROE) | -13.1704% | 7,083 |
| Retained earnings to average equity (ytd only) | -13.1704% | 7,043 |
| Net charge-offs to loans | 3.3202% | 452 |
| Credit loss provision to net charge-offs | 101.7213% | 4,013 |
| Earnings coverage of net charge-offs (x) | 0.3803% | 5,357 |
| Efficiency ratio | 70.2044% | 4,152 |
| Assets per employee ($millions) | 6.6382% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 3,327 |
| Loan loss allowance to noncurrent loans | 55.0404% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 2.5114% | 2,874 |
| Noncurrent loans to loans | 2.9586% | 2,709 |
| Net loans and leases to total assets | 76.6569% | 1,356 |
| Net loans and leases to deposits | 90.0361% | 1,847 |
| Net loans and leases to core deposits | 108.2114% | 1,284 |
| Total domestic deposits to total assets | 85.1402% | 3,551 |
| Equity capital to assets | 7.3420% | 7,200 |
| Core capital (leverage) ratio | 6.9804% | 7,203 |
| Tier 1 risk-based capital ratio | 9.7439% | 7,165 |
| Total risk-based capital ratio | 10.9992% | 7,149 |
| Memoranda: | ||
| Average total assets | $139,401,000 | 4,148 |
| Average earning assets | $131,285,000 | 4,070 |
| Average equity | $10,721,000 | 4,997 |
| Average total loans | $108,489,000 | 3,668 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 6,593 |
| Cost of funding earning assets | 1.3851% | 4,272 |
| Net interest margin | 3.2024% | 6,287 |
| Noninterest income to average assets | 0.2152% | 6,421 |
| Noninterest expense to average assets | 2.4591% | 5,874 |
| Loan and lease loss provision to assets | 0.4132% | 2,892 |
| Net operating income to assets | 0.2181% | 5,628 |
| Return on assets (ROA) | 0.2181% | 5,743 |
| Pretax return on assets | 0.3615% | 5,409 |
| Return on Equity (ROE) | 2.7727% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.7727% | 4,471 |
| Net charge-offs to loans | 0.9925% | 1,654 |
| Credit loss provision to net charge-offs | 53.5316% | 4,427 |
| Earnings coverage of net charge-offs (x) | 1.0037% | 4,169 |
| Efficiency ratio | 76.0426% | 3,205 |
| Assets per employee ($millions) | 6.7172% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 4,041 |
| Loan loss allowance to noncurrent loans | 86.8138% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.8453% | 3,717 |
| Noncurrent loans to loans | 1.6992% | 4,195 |
| Net loans and leases to total assets | 76.3748% | 1,465 |
| Net loans and leases to deposits | 93.1883% | 1,450 |
| Net loans and leases to core deposits | 112.0419% | 1,161 |
| Total domestic deposits to total assets | 81.9575% | 5,088 |
| Equity capital to assets | 7.8101% | 6,840 |
| Core capital (leverage) ratio | 7.7879% | 6,521 |
| Tier 1 risk-based capital ratio | 10.4746% | 6,655 |
| Total risk-based capital ratio | 11.7287% | 6,646 |
| Memoranda: | ||
| Average total assets | $139,400,000 | 4,207 |
| Average earning assets | $131,400,500 | 4,124 |
| Average equity | $10,964,000 | 4,985 |
| Average total loans | $108,418,000 | 3,722 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 7,364 |
| Cost of funding earning assets | 1.6861% | 4,586 |
| Net interest margin | 2.8352% | 6,998 |
| Noninterest income to average assets | 0.3051% | 5,908 |
| Noninterest expense to average assets | 1.8732% | 7,537 |
| Loan and lease loss provision to assets | 0.7282% | 2,926 |
| Net operating income to assets | 0.2317% | 4,793 |
| Return on assets (ROA) | 0.2317% | 4,864 |
| Pretax return on assets | 0.3962% | 4,508 |
| Return on Equity (ROE) | 3.0433% | 4,479 |
| Retained earnings to average equity (ytd only) | 3.0433% | 3,032 |
| Net charge-offs to loans | 0.8361% | 2,740 |
| Credit loss provision to net charge-offs | 111.2190% | 4,942 |
| Earnings coverage of net charge-offs (x) | 1.7174% | 4,450 |
| Efficiency ratio | 62.4882% | 6,058 |
| Assets per employee ($millions) | 7.6522% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 3,208 |
| Loan loss allowance to noncurrent loans | 82.7619% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 2.2855% | 3,024 |
| Noncurrent loans to loans | 1.9537% | 3,727 |
| Net loans and leases to total assets | 76.7756% | 1,633 |
| Net loans and leases to deposits | 94.0937% | 1,581 |
| Net loans and leases to core deposits | 99.6457% | 4,042 |
| Total domestic deposits to total assets | 81.5949% | 5,110 |
| Equity capital to assets | 7.9215% | 6,649 |
| Core capital (leverage) ratio | 8.1707% | 5,867 |
| Tier 1 risk-based capital ratio | 10.5180% | 6,380 |
| Total risk-based capital ratio | 11.7736% | 6,349 |
| Memoranda: | ||
| Average total assets | $141,579,600 | 4,086 |
| Average earning assets | $134,451,000 | 4,005 |
| Average equity | $10,777,800 | 5,085 |
| Average total loans | $110,868,400 | 3,671 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 7,515 |
| Cost of funding earning assets | 1.7521% | 4,626 |
| Net interest margin | 2.7391% | 7,151 |
| Noninterest income to average assets | 0.3349% | 5,807 |
| Noninterest expense to average assets | 1.8296% | 7,634 |
| Loan and lease loss provision to assets | 0.4088% | 3,872 |
| Net operating income to assets | 0.4293% | 4,277 |
| Return on assets (ROA) | 0.4293% | 4,381 |
| Pretax return on assets | 0.7053% | 3,833 |
| Return on Equity (ROE) | 5.6958% | 3,652 |
| Retained earnings to average equity (ytd only) | 5.6958% | 2,102 |
| Net charge-offs to loans | 0.4762% | 3,323 |
| Credit loss provision to net charge-offs | 109.5238% | 4,645 |
| Earnings coverage of net charge-offs (x) | 2.9849% | 3,742 |
| Efficiency ratio | 62.1544% | 6,076 |
| Assets per employee ($millions) | 7.1787% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 3,325 |
| Loan loss allowance to noncurrent loans | 141.0970% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 1.5957% | 3,961 |
| Noncurrent loans to loans | 1.0774% | 5,154 |
| Net loans and leases to total assets | 75.4433% | 2,109 |
| Net loans and leases to deposits | 92.2986% | 2,189 |
| Net loans and leases to core deposits | 99.0191% | 4,483 |
| Total domestic deposits to total assets | 81.7383% | 4,790 |
| Equity capital to assets | 7.7026% | 7,146 |
| Core capital (leverage) ratio | 8.4230% | 5,632 |
| Tier 1 risk-based capital ratio | 10.4137% | 6,555 |
| Total risk-based capital ratio | 11.6676% | 6,499 |
| Memoranda: | ||
| Average total assets | $142,539,750 | 4,085 |
| Average earning assets | $135,758,000 | 4,011 |
| Average equity | $10,744,500 | 5,128 |
| Average total loans | $111,713,500 | 3,700 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 7,666 |
| Cost of funding earning assets | 1.8413% | 4,550 |
| Net interest margin | 2.6131% | 7,346 |
| Noninterest income to average assets | 0.2377% | 6,579 |
| Noninterest expense to average assets | 1.8214% | 7,719 |
| Loan and lease loss provision to assets | 0.2236% | 4,796 |
| Net operating income to assets | 0.4191% | 4,429 |
| Return on assets (ROA) | 0.4191% | 4,536 |
| Pretax return on assets | 0.6878% | 4,042 |
| Return on Equity (ROE) | 5.6017% | 3,820 |
| Retained earnings to average equity (ytd only) | 5.6017% | 2,196 |
| Net charge-offs to loans | 0.1621% | 4,583 |
| Credit loss provision to net charge-offs | 174.7253% | 2,629 |
| Earnings coverage of net charge-offs (x) | 7.1209% | 2,493 |
| Efficiency ratio | 66.6495% | 5,426 |
| Assets per employee ($millions) | 7.4533% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,199 |
| Loan loss allowance to noncurrent loans | 72.2104% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 2.1545% | 2,994 |
| Noncurrent loans to loans | 2.0776% | 3,420 |
| Net loans and leases to total assets | 78.9086% | 1,543 |
| Net loans and leases to deposits | 98.3437% | 1,478 |
| Net loans and leases to core deposits | 109.1175% | 3,478 |
| Total domestic deposits to total assets | 80.2376% | 5,378 |
| Equity capital to assets | 7.5799% | 7,198 |
| Core capital (leverage) ratio | 8.2474% | 5,892 |
| Tier 1 risk-based capital ratio | 10.1884% | 6,728 |
| Total risk-based capital ratio | 11.4428% | 6,651 |
| Memoranda: | ||
| Average total assets | $142,195,000 | 4,135 |
| Average earning assets | $135,775,000 | 4,034 |
| Average equity | $10,639,670 | 5,177 |
| Average total loans | $112,288,330 | 3,712 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3656% | 7,818 |
| Cost of funding earning assets | 1.9820% | 4,224 |
| Net interest margin | 2.3837% | 7,635 |
| Noninterest income to average assets | 0.1628% | 7,140 |
| Noninterest expense to average assets | 1.6479% | 7,871 |
| Loan and lease loss provision to assets | 0.2330% | 4,118 |
| Net operating income to assets | 0.3453% | 5,087 |
| Return on assets (ROA) | 0.3453% | 5,274 |
| Pretax return on assets | 0.5643% | 4,868 |
| Return on Equity (ROE) | 4.6448% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.6448% | 3,339 |
| Net charge-offs to loans | 0.0394% | 4,947 |
| Credit loss provision to net charge-offs | 754.5455% | 787 |
| Earnings coverage of net charge-offs (x) | 25.8182% | 1,194 |
| Efficiency ratio | 67.3938% | 5,066 |
| Assets per employee ($millions) | 8.1469% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 3,023 |
| Loan loss allowance to noncurrent loans | 75.9911% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.5534% | 3,606 |
| Noncurrent loans to loans | 1.9671% | 3,309 |
| Net loans and leases to total assets | 76.6634% | 2,123 |
| Net loans and leases to deposits | 93.6460% | 2,336 |
| Net loans and leases to core deposits | 106.7614% | 3,824 |
| Total domestic deposits to total assets | 81.8650% | 4,605 |
| Equity capital to assets | 7.2386% | 7,533 |
| Core capital (leverage) ratio | 8.1236% | 6,249 |
| Tier 1 risk-based capital ratio | 10.0910% | 6,816 |
| Total risk-based capital ratio | 11.3452% | 6,730 |
| Memoranda: | ||
| Average total assets | $142,486,500 | 4,139 |
| Average earning assets | $136,429,000 | 4,026 |
| Average equity | $10,592,500 | 5,214 |
| Average total loans | $111,709,500 | 3,747 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7890% | 6,469 |
| Cost of funding earning assets | 3.2013% | 1,186 |
| Net interest margin | 2.5877% | 7,656 |
| Noninterest income to average assets | 0.3402% | 6,017 |
| Noninterest expense to average assets | 1.3576% | 8,097 |
| Loan and lease loss provision to assets | 0.1520% | 5,419 |
| Net operating income to assets | 0.7257% | 3,777 |
| Return on assets (ROA) | 0.7257% | 3,613 |
| Pretax return on assets | 1.1879% | 2,689 |
| Return on Equity (ROE) | 9.6626% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.6626% | 500 |
| Net charge-offs to loans | 0.0076% | 6,840 |
| Credit loss provision to net charge-offs | 2,475.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 218.1250% | 217 |
| Efficiency ratio | 50.3274% | 7,641 |
| Assets per employee ($millions) | 6.9164% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 2,724 |
| Loan loss allowance to noncurrent loans | 178.1897% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 5,232 |
| Noncurrent loans to loans | 0.8391% | 4,953 |
| Net loans and leases to total assets | 77.8266% | 2,190 |
| Net loans and leases to deposits | 98.3339% | 2,081 |
| Net loans and leases to core deposits | 113.8350% | 3,359 |
| Total domestic deposits to total assets | 79.1452% | 5,320 |
| Equity capital to assets | 7.6413% | 7,268 |
| Core capital (leverage) ratio | 8.0392% | 6,424 |
| Tier 1 risk-based capital ratio | 9.5905% | 7,218 |
| Total risk-based capital ratio | 10.8438% | 7,104 |
| Memoranda: | ||
| Average total assets | $130,226,600 | 4,279 |
| Average earning assets | $118,637,800 | 4,297 |
| Average equity | $9,780,000 | 5,485 |
| Average total loans | $105,502,600 | 3,809 |