Home > Community Bank of the Arbuckles > Performance and Condition Ratios
Community Bank of the Arbuckles, Performance and Condition Ratios
| 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 | 4.9778% | 1,748 |
| Cost of funding earning assets | 0.4739% | 5,601 |
| Net interest margin | 4.5039% | 981 |
| Noninterest income to average assets | 1.1265% | 1,186 |
| Noninterest expense to average assets | 3.8051% | 1,203 |
| Loan and lease loss provision to assets | 0.0438% | 5,227 |
| Net operating income to assets | 1.3775% | 1,272 |
| Return on assets (ROA) | 1.4573% | 1,228 |
| Pretax return on assets | 1.4686% | 2,009 |
| Return on Equity (ROE) | 16.4439% | 675 |
| Retained earnings to average equity (ytd only) | 8.4054% | 1,440 |
| Net charge-offs to loans | 0.3425% | 2,739 |
| Credit loss provision to net charge-offs | 26.7241% | 4,853 |
| Earnings coverage of net charge-offs (x) | 8.7329% | 2,403 |
| Efficiency ratio | 72.6586% | 3,206 |
| Assets per employee ($millions) | 3.4047% | 5,199 |
| Cash dividends to net income (ytd only)* | 48.8844% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 2,744 |
| Loan loss allowance to noncurrent loans | 164.3443% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 5,393 |
| Noncurrent loans to loans | 1.1047% | 4,210 |
| Net loans and leases to total assets | 45.4952% | 5,818 |
| Net loans and leases to deposits | 51.5566% | 6,004 |
| Net loans and leases to core deposits | 52.8818% | 6,123 |
| Total domestic deposits to total assets | 88.2431% | 1,880 |
| Equity capital to assets | 9.2677% | 5,511 |
| Core capital (leverage) ratio | 8.9144% | 5,173 |
| Tier 1 risk-based capital ratio | 14.0042% | 4,515 |
| Total risk-based capital ratio | 15.2560% | 4,470 |
| Memoranda: | ||
| Average total assets | $94,327,250 | 5,031 |
| Average earning assets | $86,086,750 | 5,013 |
| Average equity | $8,359,500 | 5,455 |
| Average total loans | $45,158,500 | 5,337 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0597% | 1,632 |
| Cost of funding earning assets | 0.4957% | 5,653 |
| Net interest margin | 4.5640% | 885 |
| Noninterest income to average assets | 1.1469% | 1,084 |
| Noninterest expense to average assets | 3.7854% | 1,241 |
| Loan and lease loss provision to assets | 0.0660% | 4,812 |
| Net operating income to assets | 1.4374% | 1,114 |
| Return on assets (ROA) | 1.5491% | 1,017 |
| Pretax return on assets | 1.5618% | 1,665 |
| Return on Equity (ROE) | 17.7539% | 534 |
| Retained earnings to average equity (ytd only) | 5.4627% | 3,009 |
| Net charge-offs to loans | 0.4705% | 2,181 |
| Credit loss provision to net charge-offs | 28.9720% | 4,456 |
| Earnings coverage of net charge-offs (x) | 6.6542% | 2,601 |
| Efficiency ratio | 71.4171% | 3,533 |
| Assets per employee ($millions) | 3.1773% | 5,698 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 2,807 |
| Loan loss allowance to noncurrent loans | 162.6506% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 5,459 |
| Noncurrent loans to loans | 1.1150% | 4,288 |
| Net loans and leases to total assets | 46.0055% | 5,824 |
| Net loans and leases to deposits | 51.7807% | 6,041 |
| Net loans and leases to core deposits | 53.0684% | 6,156 |
| Total domestic deposits to total assets | 88.8469% | 1,607 |
| Equity capital to assets | 8.7045% | 6,024 |
| Core capital (leverage) ratio | 8.5674% | 5,564 |
| Tier 1 risk-based capital ratio | 13.5243% | 4,803 |
| Total risk-based capital ratio | 14.7747% | 4,765 |
| Memoranda: | ||
| Average total assets | $93,992,670 | 5,068 |
| Average earning assets | $85,539,330 | 5,063 |
| Average equity | $8,201,000 | 5,513 |
| Average total loans | $45,487,000 | 5,360 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2385% | 1,233 |
| Cost of funding earning assets | 0.5319% | 5,601 |
| Net interest margin | 4.7066% | 675 |
| Noninterest income to average assets | 1.1658% | 1,048 |
| Noninterest expense to average assets | 3.7587% | 1,280 |
| Loan and lease loss provision to assets | 0.0900% | 4,232 |
| Net operating income to assets | 1.5515% | 939 |
| Return on assets (ROA) | 1.5558% | 1,042 |
| Pretax return on assets | 1.5686% | 1,668 |
| Return on Equity (ROE) | 17.8094% | 565 |
| Retained earnings to average equity (ytd only) | 8.6839% | 1,705 |
| Net charge-offs to loans | 0.7582% | 1,350 |
| Credit loss provision to net charge-offs | 24.1379% | 3,717 |
| Earnings coverage of net charge-offs (x) | 4.4368% | 2,572 |
| Efficiency ratio | 69.4378% | 3,910 |
| Assets per employee ($millions) | 3.2084% | 5,752 |
| Cash dividends to net income (ytd only)* | 51.2397% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 3,041 |
| Loan loss allowance to noncurrent loans | 199.0291% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 5,792 |
| Noncurrent loans to loans | 0.8971% | 4,871 |
| Net loans and leases to total assets | 46.8624% | 5,691 |
| Net loans and leases to deposits | 52.6288% | 5,933 |
| Net loans and leases to core deposits | 54.2602% | 6,038 |
| Total domestic deposits to total assets | 89.0433% | 1,669 |
| Equity capital to assets | 8.6076% | 5,988 |
| Core capital (leverage) ratio | 8.6921% | 5,306 |
| Tier 1 risk-based capital ratio | 13.4868% | 4,837 |
| Total risk-based capital ratio | 14.7377% | 4,827 |
| Memoranda: | ||
| Average total assets | $93,329,500 | 5,114 |
| Average earning assets | $84,223,000 | 5,133 |
| Average equity | $8,153,000 | 5,547 |
| Average total loans | $45,899,500 | 5,381 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4196% | 1,365 |
| Cost of funding earning assets | 0.6479% | 5,840 |
| Net interest margin | 4.7717% | 659 |
| Noninterest income to average assets | 1.2569% | 823 |
| Noninterest expense to average assets | 3.9410% | 1,127 |
| Loan and lease loss provision to assets | 0.2302% | 3,898 |
| Net operating income to assets | 1.3964% | 1,037 |
| Return on assets (ROA) | 1.5863% | 747 |
| Pretax return on assets | 1.5987% | 1,202 |
| Return on Equity (ROE) | 18.6403% | 342 |
| Retained earnings to average equity (ytd only) | 7.8353% | 1,137 |
| Net charge-offs to loans | 0.0319% | 6,004 |
| Credit loss provision to net charge-offs | 1,457.1429% | 152 |
| Earnings coverage of net charge-offs (x) | 103.6429% | 301 |
| Efficiency ratio | 70.6513% | 3,824 |
| Assets per employee ($millions) | 3.0136% | 6,056 |
| Cash dividends to net income (ytd only)* | 57.9659% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 2,475 |
| Loan loss allowance to noncurrent loans | 188.5106% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 5,663 |
| Noncurrent loans to loans | 1.0246% | 4,661 |
| Net loans and leases to total assets | 49.7605% | 5,620 |
| Net loans and leases to deposits | 56.1089% | 5,886 |
| Net loans and leases to core deposits | 57.7801% | 6,013 |
| Total domestic deposits to total assets | 88.6856% | 1,730 |
| Equity capital to assets | 8.8721% | 5,706 |
| Core capital (leverage) ratio | 8.8105% | 5,082 |
| Tier 1 risk-based capital ratio | 13.9324% | 4,372 |
| Total risk-based capital ratio | 15.1866% | 4,332 |
| Memoranda: | ||
| Average total assets | $88,632,200 | 5,219 |
| Average earning assets | $80,264,600 | 5,224 |
| Average equity | $7,542,800 | 5,701 |
| Average total loans | $43,890,000 | 5,523 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3960% | 1,518 |
| Cost of funding earning assets | 0.6780% | 5,889 |
| Net interest margin | 4.7180% | 735 |
| Noninterest income to average assets | 1.2760% | 796 |
| Noninterest expense to average assets | 4.0669% | 935 |
| Loan and lease loss provision to assets | 0.1950% | 4,070 |
| Net operating income to assets | 1.2841% | 1,424 |
| Return on assets (ROA) | 1.4816% | 1,059 |
| Pretax return on assets | 1.4952% | 1,664 |
| Return on Equity (ROE) | 17.6019% | 499 |
| Retained earnings to average equity (ytd only) | 7.1127% | 1,911 |
| Net charge-offs to loans | 0.0246% | 5,799 |
| Credit loss provision to net charge-offs | 1,612.5000% | 169 |
| Earnings coverage of net charge-offs (x) | 123.2081% | 300 |
| Efficiency ratio | 73.1774% | 3,336 |
| Assets per employee ($millions) | 3.0428% | 6,022 |
| Cash dividends to net income (ytd only)* | 59.5922% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 2,953 |
| Loan loss allowance to noncurrent loans | 179.5604% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 5,840 |
| Noncurrent loans to loans | 1.0017% | 4,888 |
| Net loans and leases to total assets | 48.8667% | 5,851 |
| Net loans and leases to deposits | 55.0934% | 6,116 |
| Net loans and leases to core deposits | 56.8972% | 6,230 |
| Total domestic deposits to total assets | 88.6980% | 1,624 |
| Equity capital to assets | 8.8514% | 5,917 |
| Core capital (leverage) ratio | 8.5691% | 5,600 |
| Tier 1 risk-based capital ratio | 13.8449% | 4,461 |
| Total risk-based capital ratio | 15.0978% | 4,420 |
| Memoranda: | ||
| Average total assets | $88,188,500 | 5,262 |
| Average earning assets | $80,032,500 | 5,268 |
| Average equity | $7,423,250 | 5,772 |
| Average total loans | $43,394,250 | 5,589 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4213% | 1,501 |
| Cost of funding earning assets | 0.7157% | 5,865 |
| Net interest margin | 4.7055% | 715 |
| Noninterest income to average assets | 1.3149% | 727 |
| Noninterest expense to average assets | 3.9905% | 1,067 |
| Loan and lease loss provision to assets | 0.1285% | 4,683 |
| Net operating income to assets | 1.4365% | 1,006 |
| Return on assets (ROA) | 1.4365% | 1,065 |
| Pretax return on assets | 1.4503% | 1,663 |
| Return on Equity (ROE) | 17.3784% | 517 |
| Retained earnings to average equity (ytd only) | 5.3024% | 2,810 |
| Net charge-offs to loans | 0.0328% | 5,389 |
| Credit loss provision to net charge-offs | 800.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 98.2857% | 369 |
| Efficiency ratio | 71.6522% | 3,808 |
| Assets per employee ($millions) | 3.0252% | 6,028 |
| Cash dividends to net income (ytd only)* | 69.4888% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 3,217 |
| Loan loss allowance to noncurrent loans | 86.0277% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1250% | 4,647 |
| Noncurrent loans to loans | 2.0123% | 3,465 |
| Net loans and leases to total assets | 46.5986% | 6,203 |
| Net loans and leases to deposits | 52.2247% | 6,452 |
| Net loans and leases to core deposits | 53.9295% | 6,562 |
| Total domestic deposits to total assets | 89.2272% | 1,400 |
| Equity capital to assets | 8.3917% | 6,316 |
| Core capital (leverage) ratio | 8.3142% | 5,849 |
| Tier 1 risk-based capital ratio | 14.1816% | 4,030 |
| Total risk-based capital ratio | 15.4339% | 3,998 |
| Memoranda: | ||
| Average total assets | $87,156,330 | 5,338 |
| Average earning assets | $78,800,670 | 5,352 |
| Average equity | $7,204,330 | 5,866 |
| Average total loans | $42,717,330 | 5,672 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4114% | 1,519 |
| Cost of funding earning assets | 0.7605% | 5,800 |
| Net interest margin | 4.6509% | 782 |
| Noninterest income to average assets | 1.2840% | 774 |
| Noninterest expense to average assets | 4.0067% | 1,025 |
| Loan and lease loss provision to assets | 0.0656% | 5,175 |
| Net operating income to assets | 1.4106% | 1,045 |
| Return on assets (ROA) | 1.4106% | 1,082 |
| Pretax return on assets | 1.4246% | 1,658 |
| Return on Equity (ROE) | 17.2037% | 544 |
| Retained earnings to average equity (ytd only) | 7.2587% | 2,039 |
| Net charge-offs to loans | -0.1034% | 7,098 |
| Credit loss provision to net charge-offs | -127.2727% | 5,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8900% | 3,707 |
| Assets per employee ($millions) | 2.9410% | 6,253 |
| Cash dividends to net income (ytd only)* | 57.8073% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7216% | 3,271 |
| Loan loss allowance to noncurrent loans | 186.7876% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 5,744 |
| Noncurrent loans to loans | 0.9217% | 5,191 |
| Net loans and leases to total assets | 46.6497% | 6,219 |
| Net loans and leases to deposits | 52.1132% | 6,470 |
| Net loans and leases to core deposits | 53.9804% | 6,559 |
| Total domestic deposits to total assets | 89.5160% | 1,475 |
| Equity capital to assets | 8.1220% | 6,372 |
| Core capital (leverage) ratio | 8.6925% | 5,093 |
| Tier 1 risk-based capital ratio | 14.3765% | 3,821 |
| Total risk-based capital ratio | 15.6281% | 3,782 |
| Memoranda: | ||
| Average total assets | $85,356,500 | 5,430 |
| Average earning assets | $77,318,000 | 5,433 |
| Average equity | $6,998,500 | 5,926 |
| Average total loans | $42,558,000 | 5,726 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0377% | 790 |
| Cost of funding earning assets | 1.0202% | 5,590 |
| Net interest margin | 5.0175% | 416 |
| Noninterest income to average assets | 1.5917% | 575 |
| Noninterest expense to average assets | 4.0550% | 1,085 |
| Loan and lease loss provision to assets | 0.5043% | 3,137 |
| Net operating income to assets | 1.5164% | 735 |
| Return on assets (ROA) | 1.7384% | 520 |
| Pretax return on assets | 1.7639% | 816 |
| Return on Equity (ROE) | 20.7070% | 215 |
| Retained earnings to average equity (ytd only) | 10.7434% | 409 |
| Net charge-offs to loans | 0.8240% | 2,571 |
| Credit loss provision to net charge-offs | 114.2857% | 3,796 |
| Earnings coverage of net charge-offs (x) | 4.6319% | 2,857 |
| Efficiency ratio | 66.4878% | 4,874 |
| Assets per employee ($millions) | 2.7494% | 6,607 |
| Cash dividends to net income (ytd only)* | 48.1172% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 3,534 |
| Loan loss allowance to noncurrent loans | 411.8343% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 6,288 |
| Noncurrent loans to loans | 0.3909% | 6,267 |
| Net loans and leases to total assets | 51.5743% | 5,976 |
| Net loans and leases to deposits | 57.7934% | 6,274 |
| Net loans and leases to core deposits | 61.3791% | 6,287 |
| Total domestic deposits to total assets | 89.2390% | 1,520 |
| Equity capital to assets | 8.2817% | 6,167 |
| Core capital (leverage) ratio | 8.7419% | 4,957 |
| Tier 1 risk-based capital ratio | 14.1157% | 3,793 |
| Total risk-based capital ratio | 15.3676% | 3,752 |
| Memoranda: | ||
| Average total assets | $82,489,800 | 5,509 |
| Average earning assets | $74,100,800 | 5,537 |
| Average equity | $6,925,200 | 6,055 |
| Average total loans | $44,174,800 | 5,741 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0820% | 790 |
| Cost of funding earning assets | 1.0638% | 5,628 |
| Net interest margin | 5.0182% | 424 |
| Noninterest income to average assets | 1.6276% | 530 |
| Noninterest expense to average assets | 4.2282% | 796 |
| Loan and lease loss provision to assets | 0.5495% | 2,746 |
| Net operating income to assets | 1.3443% | 1,243 |
| Return on assets (ROA) | 1.6227% | 784 |
| Pretax return on assets | 1.6373% | 1,255 |
| Return on Equity (ROE) | 19.2643% | 371 |
| Retained earnings to average equity (ytd only) | 8.9030% | 1,082 |
| Net charge-offs to loans | 0.8827% | 2,238 |
| Credit loss provision to net charge-offs | 115.6463% | 3,606 |
| Earnings coverage of net charge-offs (x) | 4.0102% | 3,217 |
| Efficiency ratio | 68.9328% | 4,278 |
| Assets per employee ($millions) | 2.8625% | 6,462 |
| Cash dividends to net income (ytd only)* | 53.7848% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 3,506 |
| Loan loss allowance to noncurrent loans | 605.2632% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 6,597 |
| Noncurrent loans to loans | 0.2652% | 6,655 |
| Net loans and leases to total assets | 49.2524% | 6,401 |
| Net loans and leases to deposits | 55.2383% | 6,673 |
| Net loans and leases to core deposits | 58.7330% | 6,692 |
| Total domestic deposits to total assets | 89.1634% | 1,306 |
| Equity capital to assets | 8.3830% | 6,415 |
| Core capital (leverage) ratio | 8.2825% | 5,906 |
| Tier 1 risk-based capital ratio | 13.6609% | 4,076 |
| Total risk-based capital ratio | 14.9111% | 4,028 |
| Memoranda: | ||
| Average total assets | $82,491,500 | 5,577 |
| Average earning assets | $74,074,750 | 5,602 |
| Average equity | $6,948,750 | 6,132 |
| Average total loans | $44,409,500 | 5,813 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1401% | 696 |
| Cost of funding earning assets | 1.0930% | 5,713 |
| Net interest margin | 5.0471% | 380 |
| Noninterest income to average assets | 1.7281% | 442 |
| Noninterest expense to average assets | 4.1763% | 832 |
| Loan and lease loss provision to assets | 0.5654% | 2,509 |
| Net operating income to assets | 1.5133% | 892 |
| Return on assets (ROA) | 1.6715% | 662 |
| Pretax return on assets | 1.6863% | 1,080 |
| Return on Equity (ROE) | 19.8097% | 330 |
| Retained earnings to average equity (ytd only) | 7.9239% | 1,466 |
| Net charge-offs to loans | 0.6060% | 2,717 |
| Credit loss provision to net charge-offs | 169.1176% | 2,317 |
| Earnings coverage of net charge-offs (x) | 6.2574% | 2,494 |
| Efficiency ratio | 66.6275% | 4,860 |
| Assets per employee ($millions) | 2.7655% | 6,649 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 3,336 |
| Loan loss allowance to noncurrent loans | 58.3399% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.5247% | 4,171 |
| Noncurrent loans to loans | 2.7897% | 2,863 |
| Net loans and leases to total assets | 53.7654% | 6,018 |
| Net loans and leases to deposits | 60.3131% | 6,388 |
| Net loans and leases to core deposits | 62.3543% | 6,523 |
| Total domestic deposits to total assets | 89.1437% | 1,353 |
| Equity capital to assets | 8.4155% | 6,276 |
| Core capital (leverage) ratio | 8.2572% | 5,844 |
| Tier 1 risk-based capital ratio | 13.2254% | 4,271 |
| Total risk-based capital ratio | 14.4772% | 4,224 |
| Memoranda: | ||
| Average total assets | $81,363,330 | 5,654 |
| Average earning assets | $73,190,670 | 5,668 |
| Average equity | $6,865,330 | 6,184 |
| Average total loans | $44,884,000 | 5,827 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3130% | 518 |
| Cost of funding earning assets | 1.1150% | 5,831 |
| Net interest margin | 5.1979% | 292 |
| Noninterest income to average assets | 1.9116% | 360 |
| Noninterest expense to average assets | 4.0317% | 985 |
| Loan and lease loss provision to assets | 0.7001% | 1,819 |
| Net operating income to assets | 1.8201% | 475 |
| Return on assets (ROA) | 2.1002% | 322 |
| Pretax return on assets | 2.1151% | 489 |
| Return on Equity (ROE) | 24.8568% | 166 |
| Retained earnings to average equity (ytd only) | 17.9815% | 247 |
| Net charge-offs to loans | 0.3046% | 3,198 |
| Credit loss provision to net charge-offs | 414.7059% | 1,000 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,397 |
| Efficiency ratio | 61.4221% | 5,922 |
| Assets per employee ($millions) | 2.8417% | 6,545 |
| Cash dividends to net income (ytd only)* | 27.6596% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 3,219 |
| Loan loss allowance to noncurrent loans | 110.9467% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 5,510 |
| Noncurrent loans to loans | 1.4937% | 4,503 |
| Net loans and leases to total assets | 54.0068% | 6,021 |
| Net loans and leases to deposits | 60.5447% | 6,410 |
| Net loans and leases to core deposits | 62.5995% | 6,547 |
| Total domestic deposits to total assets | 89.2016% | 1,417 |
| Equity capital to assets | 8.4783% | 6,033 |
| Core capital (leverage) ratio | 8.5238% | 5,333 |
| Tier 1 risk-based capital ratio | 13.4669% | 4,007 |
| Total risk-based capital ratio | 14.7198% | 3,972 |
| Memoranda: | ||
| Average total assets | $80,562,000 | 5,751 |
| Average earning assets | $72,105,500 | 5,772 |
| Average equity | $6,807,000 | 6,252 |
| Average total loans | $44,653,500 | 5,906 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3603% | 911 |
| Cost of funding earning assets | 1.3977% | 5,942 |
| Net interest margin | 4.9626% | 485 |
| Noninterest income to average assets | 1.5562% | 591 |
| Noninterest expense to average assets | 4.1098% | 1,211 |
| Loan and lease loss provision to assets | 0.7226% | 2,950 |
| Net operating income to assets | 1.1792% | 1,302 |
| Return on assets (ROA) | 1.5612% | 640 |
| Pretax return on assets | 1.5738% | 1,021 |
| Return on Equity (ROE) | 20.5171% | 222 |
| Retained earnings to average equity (ytd only) | 8.2367% | 641 |
| Net charge-offs to loans | 1.2624% | 1,957 |
| Credit loss provision to net charge-offs | 108.7287% | 5,089 |
| Earnings coverage of net charge-offs (x) | 2.8748% | 3,650 |
| Efficiency ratio | 68.2656% | 4,969 |
| Assets per employee ($millions) | 2.4598% | 7,264 |
| Cash dividends to net income (ytd only)* | 59.8546% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 3,917 |
| Loan loss allowance to noncurrent loans | 68.1481% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2094% | 4,681 |
| Noncurrent loans to loans | 2.1453% | 3,461 |
| Net loans and leases to total assets | 55.1439% | 6,066 |
| Net loans and leases to deposits | 61.7861% | 6,488 |
| Net loans and leases to core deposits | 82.0297% | 5,903 |
| Total domestic deposits to total assets | 89.2497% | 1,360 |
| Equity capital to assets | 8.4191% | 6,032 |
| Core capital (leverage) ratio | 8.3273% | 5,562 |
| Tier 1 risk-based capital ratio | 13.3313% | 3,925 |
| Total risk-based capital ratio | 14.5826% | 3,870 |
| Memoranda: | ||
| Average total assets | $79,297,400 | 5,747 |
| Average earning assets | $71,333,000 | 5,772 |
| Average equity | $6,034,000 | 6,591 |
| Average total loans | $41,745,400 | 6,024 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3259% | 1,081 |
| Cost of funding earning assets | 1.4678% | 5,968 |
| Net interest margin | 4.8580% | 609 |
| Noninterest income to average assets | 1.5558% | 614 |
| Noninterest expense to average assets | 4.1269% | 1,108 |
| Loan and lease loss provision to assets | 0.7519% | 2,491 |
| Net operating income to assets | 1.0440% | 1,922 |
| Return on assets (ROA) | 1.5524% | 784 |
| Pretax return on assets | 1.5675% | 1,247 |
| Return on Equity (ROE) | 20.9540% | 263 |
| Retained earnings to average equity (ytd only) | 5.9804% | 1,958 |
| Net charge-offs to loans | 1.1756% | 1,725 |
| Credit loss provision to net charge-offs | 123.4160% | 4,087 |
| Earnings coverage of net charge-offs (x) | 2.9642% | 3,747 |
| Efficiency ratio | 69.5615% | 4,681 |
| Assets per employee ($millions) | 2.5025% | 7,223 |
| Cash dividends to net income (ytd only)* | 71.4595% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 2,973 |
| Loan loss allowance to noncurrent loans | 95.2514% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9028% | 5,270 |
| Noncurrent loans to loans | 1.6826% | 4,124 |
| Net loans and leases to total assets | 52.2871% | 6,578 |
| Net loans and leases to deposits | 58.4576% | 6,936 |
| Net loans and leases to core deposits | 79.7881% | 6,374 |
| Total domestic deposits to total assets | 89.4444% | 995 |
| Equity capital to assets | 8.0156% | 6,836 |
| Core capital (leverage) ratio | 7.9597% | 6,430 |
| Tier 1 risk-based capital ratio | 13.3238% | 3,975 |
| Total risk-based capital ratio | 14.5762% | 3,918 |
| Memoranda: | ||
| Average total assets | $79,443,250 | 5,788 |
| Average earning assets | $71,577,250 | 5,801 |
| Average equity | $5,885,750 | 6,711 |
| Average total loans | $41,169,250 | 6,097 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4208% | 964 |
| Cost of funding earning assets | 1.5428% | 5,963 |
| Net interest margin | 4.8780% | 563 |
| Noninterest income to average assets | 1.6534% | 540 |
| Noninterest expense to average assets | 4.1272% | 1,160 |
| Loan and lease loss provision to assets | 0.9920% | 1,697 |
| Net operating income to assets | 0.9150% | 2,396 |
| Return on assets (ROA) | 1.5373% | 830 |
| Pretax return on assets | 1.5524% | 1,320 |
| Return on Equity (ROE) | 21.3385% | 268 |
| Retained earnings to average equity (ytd only) | 7.7085% | 1,312 |
| Net charge-offs to loans | 1.7196% | 1,102 |
| Credit loss provision to net charge-offs | 112.2857% | 4,121 |
| Earnings coverage of net charge-offs (x) | 2.1686% | 3,987 |
| Efficiency ratio | 68.2957% | 5,103 |
| Assets per employee ($millions) | 2.4962% | 7,262 |
| Cash dividends to net income (ytd only)* | 63.8752% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 2,868 |
| Loan loss allowance to noncurrent loans | 42.5066% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 1.8966% | 3,343 |
| Noncurrent loans to loans | 3.6958% | 1,882 |
| Net loans and leases to total assets | 50.2792% | 6,846 |
| Net loans and leases to deposits | 55.6022% | 7,186 |
| Net loans and leases to core deposits | 75.2605% | 6,720 |
| Total domestic deposits to total assets | 90.4267% | 661 |
| Equity capital to assets | 7.0770% | 7,562 |
| Core capital (leverage) ratio | 7.8620% | 6,541 |
| Tier 1 risk-based capital ratio | 13.2205% | 3,986 |
| Total risk-based capital ratio | 14.4716% | 3,903 |
| Memoranda: | ||
| Average total assets | $79,230,670 | 5,826 |
| Average earning assets | $71,299,670 | 5,844 |
| Average equity | $5,708,000 | 6,824 |
| Average total loans | $40,707,670 | 6,172 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5161% | 841 |
| Cost of funding earning assets | 1.6417% | 5,853 |
| Net interest margin | 4.8744% | 529 |
| Noninterest income to average assets | 1.6323% | 513 |
| Noninterest expense to average assets | 3.8678% | 1,352 |
| Loan and lease loss provision to assets | 0.9632% | 1,347 |
| Net operating income to assets | 1.1909% | 1,681 |
| Return on assets (ROA) | 2.1595% | 291 |
| Pretax return on assets | 2.1747% | 460 |
| Return on Equity (ROE) | 29.7097% | 103 |
| Retained earnings to average equity (ytd only) | 20.5039% | 152 |
| Net charge-offs to loans | 2.9907% | 426 |
| Credit loss provision to net charge-offs | 62.5000% | 4,474 |
| Earnings coverage of net charge-offs (x) | 1.4013% | 4,034 |
| Efficiency ratio | 64.1716% | 5,660 |
| Assets per employee ($millions) | 2.5276% | 7,223 |
| Cash dividends to net income (ytd only)* | 30.9859% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 4,799 |
| Loan loss allowance to noncurrent loans | 144.9102% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 6,238 |
| Noncurrent loans to loans | 0.8289% | 5,372 |
| Net loans and leases to total assets | 49.2199% | 6,929 |
| Net loans and leases to deposits | 54.3689% | 7,264 |
| Net loans and leases to core deposits | 74.3265% | 6,788 |
| Total domestic deposits to total assets | 90.5294% | 579 |
| Equity capital to assets | 7.1549% | 7,596 |
| Core capital (leverage) ratio | 8.0344% | 6,402 |
| Tier 1 risk-based capital ratio | 13.4008% | 3,929 |
| Total risk-based capital ratio | 14.4258% | 3,988 |
| Memoranda: | ||
| Average total assets | $78,907,000 | 5,861 |
| Average earning assets | $71,146,500 | 5,875 |
| Average equity | $5,735,500 | 6,863 |
| Average total loans | $40,660,000 | 6,208 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0976% | 922 |
| Cost of funding earning assets | 2.2472% | 5,382 |
| Net interest margin | 4.8503% | 707 |
| Noninterest income to average assets | 1.6361% | 518 |
| Noninterest expense to average assets | 3.8705% | 1,619 |
| Loan and lease loss provision to assets | 0.6334% | 2,292 |
| Net operating income to assets | 1.4960% | 1,023 |
| Return on assets (ROA) | 1.6595% | 701 |
| Pretax return on assets | 1.6765% | 1,200 |
| Return on Equity (ROE) | 25.0078% | 138 |
| Retained earnings to average equity (ytd only) | 10.9752% | 328 |
| Net charge-offs to loans | 0.5961% | 2,044 |
| Credit loss provision to net charge-offs | 201.2397% | 2,413 |
| Earnings coverage of net charge-offs (x) | 6.8140% | 3,260 |
| Efficiency ratio | 64.3459% | 5,486 |
| Assets per employee ($millions) | 2.4041% | 7,393 |
| Cash dividends to net income (ytd only)* | 56.1129% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 2,885 |
| Loan loss allowance to noncurrent loans | 182.8746% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 5,915 |
| Noncurrent loans to loans | 0.7971% | 5,049 |
| Net loans and leases to total assets | 52.5503% | 6,798 |
| Net loans and leases to deposits | 58.2402% | 7,193 |
| Net loans and leases to core deposits | 82.7053% | 6,399 |
| Total domestic deposits to total assets | 90.2303% | 570 |
| Equity capital to assets | 7.3883% | 7,475 |
| Core capital (leverage) ratio | 7.8275% | 6,758 |
| Tier 1 risk-based capital ratio | 12.9800% | 4,124 |
| Total risk-based capital ratio | 14.2298% | 4,039 |
| Memoranda: | ||
| Average total assets | $76,888,600 | 5,802 |
| Average earning assets | $69,418,200 | 5,841 |
| Average equity | $5,102,400 | 7,110 |
| Average total loans | $40,594,400 | 6,141 |