Home > Community First Bank of Glendive > Performance and Condition Ratios
Community First Bank of Glendive, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1768% | 6,227 |
| Cost of funding earning assets | 0.3305% | 5,468 |
| Net interest margin | 2.8463% | 5,927 |
| Noninterest income to average assets | 0.2239% | 5,824 |
| Noninterest expense to average assets | 3.7270% | 1,208 |
| Loan and lease loss provision to assets | 0.0027% | 4,908 |
| Net operating income to assets | -0.5252% | 6,611 |
| Return on assets (ROA) | -0.5252% | 6,621 |
| Pretax return on assets | -0.8424% | 6,673 |
| Return on Equity (ROE) | -5.3810% | 6,609 |
| Retained earnings to average equity (ytd only) | -5.3810% | 6,511 |
| Net charge-offs to loans | 0.0060% | 5,059 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | -315.7820% | 5,208 |
| Efficiency ratio | 129.0859% | 131 |
| Assets per employee ($millions) | 4.1269% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 3,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 43.7433% | 5,742 |
| Net loans and leases to deposits | 48.4079% | 5,934 |
| Net loans and leases to core deposits | 48.4079% | 6,102 |
| Total domestic deposits to total assets | 90.3641% | 810 |
| Equity capital to assets | 9.3916% | 4,686 |
| Core capital (leverage) ratio | 9.2175% | 4,808 |
| Tier 1 risk-based capital ratio | 17.2451% | 2,614 |
| Total risk-based capital ratio | 18.4980% | 2,575 |
| Memoranda: | ||
| Average total assets | $50,012,250 | 6,083 |
| Average earning assets | $46,797,000 | 6,034 |
| Average equity | $4,881,250 | 6,175 |
| Average total loans | $22,028,750 | 6,183 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1339% | 6,304 |
| Cost of funding earning assets | 0.3326% | 5,544 |
| Net interest margin | 2.8013% | 6,001 |
| Noninterest income to average assets | 0.2272% | 5,820 |
| Noninterest expense to average assets | 2.1246% | 5,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4464% | 5,031 |
| Return on assets (ROA) | 0.4464% | 5,202 |
| Pretax return on assets | 0.7215% | 4,611 |
| Return on Equity (ROE) | 4.5180% | 4,988 |
| Retained earnings to average equity (ytd only) | 4.5180% | 3,392 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6499% | 3,003 |
| Assets per employee ($millions) | 3.7172% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 3,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 44.6197% | 5,686 |
| Net loans and leases to deposits | 49.8440% | 5,850 |
| Net loans and leases to core deposits | 49.8440% | 6,029 |
| Total domestic deposits to total assets | 89.5187% | 1,312 |
| Equity capital to assets | 10.2227% | 3,637 |
| Core capital (leverage) ratio | 9.4611% | 4,304 |
| Tier 1 risk-based capital ratio | 18.5071% | 2,139 |
| Total risk-based capital ratio | 19.7576% | 2,100 |
| Memoranda: | ||
| Average total assets | $50,175,330 | 6,125 |
| Average earning assets | $46,906,330 | 6,072 |
| Average equity | $4,958,000 | 6,193 |
| Average total loans | $22,034,000 | 6,222 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1697% | 6,334 |
| Cost of funding earning assets | 0.3447% | 5,594 |
| Net interest margin | 2.8250% | 5,983 |
| Noninterest income to average assets | 0.2270% | 5,839 |
| Noninterest expense to average assets | 2.1056% | 5,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4462% | 4,927 |
| Return on assets (ROA) | 0.4462% | 5,089 |
| Pretax return on assets | 0.7515% | 4,367 |
| Return on Equity (ROE) | 4.5903% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.5903% | 3,485 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6986% | 3,315 |
| Assets per employee ($millions) | 4.7389% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 3,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 38.8678% | 6,090 |
| Net loans and leases to deposits | 43.1802% | 6,262 |
| Net loans and leases to core deposits | 43.4301% | 6,341 |
| Total domestic deposits to total assets | 90.0130% | 1,040 |
| Equity capital to assets | 9.5630% | 4,769 |
| Core capital (leverage) ratio | 9.1814% | 4,595 |
| Tier 1 risk-based capital ratio | 19.0058% | 2,038 |
| Total risk-based capital ratio | 20.2566% | 2,014 |
| Memoranda: | ||
| Average total assets | $51,101,000 | 6,152 |
| Average earning assets | $47,576,000 | 6,106 |
| Average equity | $4,967,000 | 6,255 |
| Average total loans | $22,095,000 | 6,271 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 6,050 |
| Cost of funding earning assets | 0.4328% | 5,701 |
| Net interest margin | 3.2688% | 5,366 |
| Noninterest income to average assets | 0.3025% | 5,291 |
| Noninterest expense to average assets | 2.3093% | 5,670 |
| Loan and lease loss provision to assets | -0.0303% | 6,847 |
| Net operating income to assets | 0.6615% | 3,922 |
| Return on assets (ROA) | 0.6615% | 4,188 |
| Pretax return on assets | 1.0548% | 3,342 |
| Return on Equity (ROE) | 6.7379% | 3,793 |
| Retained earnings to average equity (ytd only) | 4.3139% | 3,186 |
| Net charge-offs to loans | -0.0619% | 6,740 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2680% | 3,931 |
| Assets per employee ($millions) | 4.1728% | 3,605 |
| Cash dividends to net income (ytd only)* | 35.9756% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 3,812 |
| Loan loss allowance to noncurrent loans | 3,500.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 6,622 |
| Noncurrent loans to loans | 0.0424% | 6,404 |
| Net loans and leases to total assets | 46.3893% | 5,578 |
| Net loans and leases to deposits | 51.6958% | 5,826 |
| Net loans and leases to core deposits | 52.3152% | 5,995 |
| Total domestic deposits to total assets | 89.7352% | 1,102 |
| Equity capital to assets | 9.8834% | 4,332 |
| Core capital (leverage) ratio | 9.2797% | 4,452 |
| Tier 1 risk-based capital ratio | 16.3495% | 2,966 |
| Total risk-based capital ratio | 17.5924% | 2,931 |
| Memoranda: | ||
| Average total assets | $49,581,600 | 6,224 |
| Average earning assets | $45,979,800 | 6,181 |
| Average equity | $4,868,000 | 6,333 |
| Average total loans | $24,248,600 | 6,232 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7484% | 6,133 |
| Cost of funding earning assets | 0.4439% | 5,840 |
| Net interest margin | 3.3045% | 5,377 |
| Noninterest income to average assets | 0.2480% | 5,786 |
| Noninterest expense to average assets | 2.2753% | 5,755 |
| Loan and lease loss provision to assets | -0.0512% | 6,999 |
| Net operating income to assets | 0.6820% | 3,996 |
| Return on assets (ROA) | 0.6820% | 4,256 |
| Pretax return on assets | 1.0945% | 3,369 |
| Return on Equity (ROE) | 6.9583% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.9583% | 2,156 |
| Net charge-offs to loans | -0.1037% | 6,862 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5621% | 3,948 |
| Assets per employee ($millions) | 4.1727% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 4,434 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 6,743 |
| Noncurrent loans to loans | 0.0277% | 6,557 |
| Net loans and leases to total assets | 49.7164% | 5,346 |
| Net loans and leases to deposits | 55.5583% | 5,672 |
| Net loans and leases to core deposits | 55.8851% | 5,900 |
| Total domestic deposits to total assets | 89.4851% | 1,137 |
| Equity capital to assets | 10.0475% | 4,429 |
| Core capital (leverage) ratio | 9.6644% | 4,025 |
| Tier 1 risk-based capital ratio | 15.8245% | 3,363 |
| Total risk-based capital ratio | 17.0166% | 3,360 |
| Memoranda: | ||
| Average total assets | $49,458,500 | 6,301 |
| Average earning assets | $45,956,250 | 6,256 |
| Average equity | $4,847,750 | 6,411 |
| Average total loans | $24,416,000 | 6,309 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7315% | 6,286 |
| Cost of funding earning assets | 0.4577% | 5,919 |
| Net interest margin | 3.2738% | 5,524 |
| Noninterest income to average assets | 0.2436% | 5,825 |
| Noninterest expense to average assets | 2.3511% | 5,615 |
| Loan and lease loss provision to assets | -0.0772% | 7,095 |
| Net operating income to assets | 0.6213% | 4,273 |
| Return on assets (ROA) | 0.6213% | 4,523 |
| Pretax return on assets | 1.0192% | 3,638 |
| Return on Equity (ROE) | 6.3928% | 4,107 |
| Retained earnings to average equity (ytd only) | 6.3928% | 2,448 |
| Net charge-offs to loans | -0.1574% | 6,955 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3933% | 3,534 |
| Assets per employee ($millions) | 4.0668% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 4,523 |
| Loan loss allowance to noncurrent loans | 3,181.8182% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 6,775 |
| Noncurrent loans to loans | 0.0435% | 6,567 |
| Net loans and leases to total assets | 51.1209% | 5,206 |
| Net loans and leases to deposits | 57.0906% | 5,537 |
| Net loans and leases to core deposits | 57.4349% | 5,821 |
| Total domestic deposits to total assets | 89.5435% | 1,198 |
| Equity capital to assets | 10.0160% | 4,307 |
| Core capital (leverage) ratio | 9.2228% | 4,571 |
| Tier 1 risk-based capital ratio | 15.2822% | 3,579 |
| Total risk-based capital ratio | 16.4580% | 3,591 |
| Memoranda: | ||
| Average total assets | $49,254,000 | 6,343 |
| Average earning assets | $45,879,330 | 6,290 |
| Average equity | $4,786,670 | 6,451 |
| Average total loans | $24,140,000 | 6,355 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7302% | 6,390 |
| Cost of funding earning assets | 0.4869% | 5,889 |
| Net interest margin | 3.2432% | 5,651 |
| Noninterest income to average assets | 0.2264% | 6,002 |
| Noninterest expense to average assets | 2.3686% | 5,572 |
| Loan and lease loss provision to assets | -0.1455% | 7,198 |
| Net operating income to assets | 0.5901% | 4,391 |
| Return on assets (ROA) | 0.5901% | 4,607 |
| Pretax return on assets | 1.0186% | 3,612 |
| Return on Equity (ROE) | 6.1655% | 4,205 |
| Retained earnings to average equity (ytd only) | 6.1655% | 2,858 |
| Net charge-offs to loans | -0.3056% | 7,071 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0673% | 3,246 |
| Assets per employee ($millions) | 4.2814% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 4,261 |
| Loan loss allowance to noncurrent loans | 83.5322% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 4,905 |
| Noncurrent loans to loans | 1.7708% | 3,450 |
| Net loans and leases to total assets | 45.3744% | 5,861 |
| Net loans and leases to deposits | 50.3021% | 6,117 |
| Net loans and leases to core deposits | 50.5881% | 6,299 |
| Total domestic deposits to total assets | 90.2038% | 971 |
| Equity capital to assets | 9.3213% | 5,063 |
| Core capital (leverage) ratio | 9.1064% | 4,673 |
| Tier 1 risk-based capital ratio | 15.3276% | 3,545 |
| Total risk-based capital ratio | 16.5279% | 3,529 |
| Memoranda: | ||
| Average total assets | $49,480,000 | 6,385 |
| Average earning assets | $46,003,500 | 6,328 |
| Average equity | $4,736,000 | 6,503 |
| Average total loans | $23,561,000 | 6,442 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 5,680 |
| Cost of funding earning assets | 0.6718% | 5,703 |
| Net interest margin | 3.6527% | 4,506 |
| Noninterest income to average assets | 0.2468% | 5,764 |
| Noninterest expense to average assets | 2.5745% | 5,186 |
| Loan and lease loss provision to assets | 0.0889% | 5,476 |
| Net operating income to assets | 0.6625% | 3,679 |
| Return on assets (ROA) | 0.6625% | 3,863 |
| Pretax return on assets | 0.9560% | 3,409 |
| Return on Equity (ROE) | 6.5503% | 3,611 |
| Retained earnings to average equity (ytd only) | 3.9566% | 3,380 |
| Net charge-offs to loans | 0.1724% | 4,767 |
| Credit loss provision to net charge-offs | 95.2381% | 3,784 |
| Earnings coverage of net charge-offs (x) | 11.1905% | 1,745 |
| Efficiency ratio | 71.1302% | 3,762 |
| Assets per employee ($millions) | 3.6602% | 4,639 |
| Cash dividends to net income (ytd only)* | 39.5973% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 4,062 |
| Loan loss allowance to noncurrent loans | 11,666.6667% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 6,976 |
| Noncurrent loans to loans | 0.0128% | 6,811 |
| Net loans and leases to total assets | 48.5678% | 5,770 |
| Net loans and leases to deposits | 54.0787% | 6,063 |
| Net loans and leases to core deposits | 54.4098% | 6,269 |
| Total domestic deposits to total assets | 89.8094% | 1,093 |
| Equity capital to assets | 9.8418% | 4,382 |
| Core capital (leverage) ratio | 9.4297% | 4,143 |
| Tier 1 risk-based capital ratio | 15.9626% | 3,071 |
| Total risk-based capital ratio | 17.2149% | 3,028 |
| Memoranda: | ||
| Average total assets | $44,980,000 | 6,510 |
| Average earning assets | $41,531,400 | 6,478 |
| Average equity | $4,549,400 | 6,578 |
| Average total loans | $24,358,800 | 6,452 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 5,768 |
| Cost of funding earning assets | 0.7062% | 5,720 |
| Net interest margin | 3.6450% | 4,593 |
| Noninterest income to average assets | 0.2496% | 5,831 |
| Noninterest expense to average assets | 2.5836% | 5,140 |
| Loan and lease loss provision to assets | 0.0752% | 5,509 |
| Net operating income to assets | 0.6707% | 3,767 |
| Return on assets (ROA) | 0.6707% | 3,937 |
| Pretax return on assets | 0.9595% | 3,560 |
| Return on Equity (ROE) | 6.5839% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.5839% | 2,204 |
| Net charge-offs to loans | 0.2278% | 4,013 |
| Credit loss provision to net charge-offs | 59.5238% | 4,817 |
| Earnings coverage of net charge-offs (x) | 8.1904% | 2,218 |
| Efficiency ratio | 71.4048% | 3,666 |
| Assets per employee ($millions) | 3.4208% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 5,176 |
| Loan loss allowance to noncurrent loans | 33,500.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 7,087 |
| Noncurrent loans to loans | 0.0038% | 6,963 |
| Net loans and leases to total assets | 58.8069% | 4,354 |
| Net loans and leases to deposits | 66.2428% | 4,866 |
| Net loans and leases to core deposits | 66.6820% | 5,345 |
| Total domestic deposits to total assets | 88.7747% | 1,561 |
| Equity capital to assets | 10.6924% | 3,474 |
| Core capital (leverage) ratio | 10.1481% | 3,246 |
| Tier 1 risk-based capital ratio | 15.5536% | 3,354 |
| Total risk-based capital ratio | 16.7281% | 3,372 |
| Memoranda: | ||
| Average total assets | $44,329,250 | 6,584 |
| Average earning assets | $40,968,250 | 6,548 |
| Average equity | $4,516,000 | 6,632 |
| Average total loans | $24,583,500 | 6,502 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 6,236 |
| Cost of funding earning assets | 0.7279% | 5,789 |
| Net interest margin | 3.4929% | 5,193 |
| Noninterest income to average assets | 0.2484% | 5,872 |
| Noninterest expense to average assets | 2.6376% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5826% | 4,141 |
| Return on assets (ROA) | 0.5826% | 4,272 |
| Pretax return on assets | 0.8401% | 3,869 |
| Return on Equity (ROE) | 5.8156% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.8156% | 2,532 |
| Net charge-offs to loans | -0.0084% | 6,650 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8442% | 3,042 |
| Assets per employee ($millions) | 3.1406% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 4,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 55.6359% | 5,047 |
| Net loans and leases to deposits | 62.3379% | 5,459 |
| Net loans and leases to core deposits | 62.7536% | 5,829 |
| Total domestic deposits to total assets | 89.2490% | 1,388 |
| Equity capital to assets | 10.3484% | 3,691 |
| Core capital (leverage) ratio | 9.8988% | 3,388 |
| Tier 1 risk-based capital ratio | 15.8160% | 3,072 |
| Total risk-based capital ratio | 17.0678% | 3,050 |
| Memoranda: | ||
| Average total assets | $44,282,000 | 6,639 |
| Average earning assets | $40,940,330 | 6,603 |
| Average equity | $4,436,330 | 6,704 |
| Average total loans | $23,949,000 | 6,595 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 6,376 |
| Cost of funding earning assets | 0.7513% | 5,850 |
| Net interest margin | 3.4052% | 5,413 |
| Noninterest income to average assets | 0.2520% | 5,886 |
| Noninterest expense to average assets | 2.6733% | 4,947 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5581% | 4,247 |
| Return on assets (ROA) | 0.5581% | 4,324 |
| Pretax return on assets | 0.7201% | 4,221 |
| Return on Equity (ROE) | 5.6627% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.6627% | 2,820 |
| Net charge-offs to loans | -0.0170% | 6,523 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7798% | 2,722 |
| Assets per employee ($millions) | 3.2051% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,994 |
| Loan loss allowance to noncurrent loans | 70.4591% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.1165% | 4,689 |
| Noncurrent loans to loans | 2.1903% | 3,331 |
| Net loans and leases to total assets | 50.1905% | 5,823 |
| Net loans and leases to deposits | 55.8820% | 6,137 |
| Net loans and leases to core deposits | 56.2448% | 6,395 |
| Total domestic deposits to total assets | 89.8152% | 1,271 |
| Equity capital to assets | 9.8215% | 4,010 |
| Core capital (leverage) ratio | 9.8360% | 3,351 |
| Tier 1 risk-based capital ratio | 15.9157% | 2,942 |
| Total risk-based capital ratio | 17.1655% | 2,917 |
| Memoranda: | ||
| Average total assets | $44,439,000 | 6,681 |
| Average earning assets | $40,996,500 | 6,647 |
| Average equity | $4,379,500 | 6,757 |
| Average total loans | $23,516,000 | 6,666 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7294% | 5,694 |
| Cost of funding earning assets | 0.9994% | 5,698 |
| Net interest margin | 3.7300% | 4,228 |
| Noninterest income to average assets | 0.2268% | 6,185 |
| Noninterest expense to average assets | 2.6667% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6168% | 3,600 |
| Return on assets (ROA) | 0.6168% | 3,767 |
| Pretax return on assets | 0.9705% | 3,026 |
| Return on Equity (ROE) | 6.1759% | 3,535 |
| Retained earnings to average equity (ytd only) | 3.4967% | 3,419 |
| Net charge-offs to loans | -0.0040% | 7,254 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3167% | 3,524 |
| Assets per employee ($millions) | 3.1434% | 5,780 |
| Cash dividends to net income (ytd only)* | 43.3824% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 4,242 |
| Loan loss allowance to noncurrent loans | 4,400.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 7,198 |
| Noncurrent loans to loans | 0.0331% | 7,047 |
| Net loans and leases to total assets | 54.0959% | 5,618 |
| Net loans and leases to deposits | 60.2897% | 6,026 |
| Net loans and leases to core deposits | 60.6832% | 6,339 |
| Total domestic deposits to total assets | 89.7266% | 1,252 |
| Equity capital to assets | 9.8893% | 3,889 |
| Core capital (leverage) ratio | 9.6478% | 3,488 |
| Tier 1 risk-based capital ratio | 14.7820% | 3,378 |
| Total risk-based capital ratio | 16.0147% | 3,344 |
| Memoranda: | ||
| Average total assets | $44,099,600 | 6,728 |
| Average earning assets | $40,322,200 | 6,700 |
| Average equity | $4,404,200 | 6,854 |
| Average total loans | $24,890,200 | 6,681 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 5,568 |
| Cost of funding earning assets | 1.0352% | 5,775 |
| Net interest margin | 3.7870% | 4,025 |
| Noninterest income to average assets | 0.2327% | 6,222 |
| Noninterest expense to average assets | 2.6592% | 5,070 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6588% | 3,605 |
| Return on assets (ROA) | 0.6588% | 3,770 |
| Pretax return on assets | 1.0335% | 3,059 |
| Return on Equity (ROE) | 6.5801% | 3,540 |
| Retained earnings to average equity (ytd only) | 6.5801% | 2,052 |
| Net charge-offs to loans | -0.0372% | 7,432 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0131% | 3,694 |
| Assets per employee ($millions) | 3.0174% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 4,497 |
| Loan loss allowance to noncurrent loans | 942.1053% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 7,126 |
| Noncurrent loans to loans | 0.1479% | 6,878 |
| Net loans and leases to total assets | 59.9754% | 4,920 |
| Net loans and leases to deposits | 68.3482% | 5,375 |
| Net loans and leases to core deposits | 68.8235% | 5,863 |
| Total domestic deposits to total assets | 87.7497% | 2,132 |
| Equity capital to assets | 10.7471% | 3,230 |
| Core capital (leverage) ratio | 10.0568% | 3,200 |
| Tier 1 risk-based capital ratio | 14.8516% | 3,326 |
| Total risk-based capital ratio | 16.0923% | 3,307 |
| Memoranda: | ||
| Average total assets | $44,122,750 | 6,812 |
| Average earning assets | $40,312,250 | 6,785 |
| Average equity | $4,417,250 | 6,936 |
| Average total loans | $25,073,250 | 6,750 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 6,118 |
| Cost of funding earning assets | 1.0229% | 6,041 |
| Net interest margin | 3.6855% | 4,427 |
| Noninterest income to average assets | 0.2101% | 6,418 |
| Noninterest expense to average assets | 2.6637% | 5,065 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5855% | 3,932 |
| Return on assets (ROA) | 0.5855% | 4,076 |
| Pretax return on assets | 0.9118% | 3,447 |
| Return on Equity (ROE) | 5.9868% | 3,807 |
| Retained earnings to average equity (ytd only) | 5.9868% | 2,334 |
| Net charge-offs to loans | -0.0643% | 7,484 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5000% | 3,373 |
| Assets per employee ($millions) | 3.1555% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 4,589 |
| Loan loss allowance to noncurrent loans | 5,983.3333% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 7,378 |
| Noncurrent loans to loans | 0.0229% | 7,266 |
| Net loans and leases to total assets | 58.5984% | 5,316 |
| Net loans and leases to deposits | 66.3531% | 5,764 |
| Net loans and leases to core deposits | 66.7914% | 6,177 |
| Total domestic deposits to total assets | 88.3129% | 1,822 |
| Equity capital to assets | 10.1501% | 3,833 |
| Core capital (leverage) ratio | 9.6567% | 3,597 |
| Tier 1 risk-based capital ratio | 14.5105% | 3,441 |
| Total risk-based capital ratio | 15.7644% | 3,401 |
| Memoranda: | ||
| Average total assets | $44,749,000 | 6,838 |
| Average earning assets | $40,862,330 | 6,816 |
| Average equity | $4,376,330 | 6,985 |
| Average total loans | $24,866,330 | 6,816 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 6,272 |
| Cost of funding earning assets | 1.0361% | 6,193 |
| Net interest margin | 3.6556% | 4,459 |
| Noninterest income to average assets | 0.2132% | 6,441 |
| Noninterest expense to average assets | 2.6824% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5596% | 4,086 |
| Return on assets (ROA) | 0.5596% | 4,230 |
| Pretax return on assets | 0.8527% | 3,653 |
| Return on Equity (ROE) | 5.8300% | 3,951 |
| Retained earnings to average equity (ytd only) | 5.8300% | 2,697 |
| Net charge-offs to loans | -0.1158% | 7,549 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8794% | 3,237 |
| Assets per employee ($millions) | 3.0142% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 3,701 |
| Loan loss allowance to noncurrent loans | 3,977.7778% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 7,443 |
| Noncurrent loans to loans | 0.0387% | 7,314 |
| Net loans and leases to total assets | 50.6359% | 6,411 |
| Net loans and leases to deposits | 57.0013% | 6,699 |
| Net loans and leases to core deposits | 57.3669% | 6,914 |
| Total domestic deposits to total assets | 88.8329% | 1,604 |
| Equity capital to assets | 9.6189% | 4,348 |
| Core capital (leverage) ratio | 9.4521% | 3,846 |
| Tier 1 risk-based capital ratio | 15.1415% | 3,050 |
| Total risk-based capital ratio | 16.3957% | 3,001 |
| Memoranda: | ||
| Average total assets | $45,035,000 | 6,912 |
| Average earning assets | $40,924,000 | 6,901 |
| Average equity | $4,322,500 | 7,059 |
| Average total loans | $24,176,500 | 6,931 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1021% | 6,079 |
| Cost of funding earning assets | 1.2960% | 6,319 |
| Net interest margin | 3.8060% | 3,680 |
| Noninterest income to average assets | 0.2340% | 6,441 |
| Noninterest expense to average assets | 2.6195% | 5,714 |
| Loan and lease loss provision to assets | 0.0918% | 6,683 |
| Net operating income to assets | 0.6583% | 3,107 |
| Return on assets (ROA) | 0.6583% | 3,157 |
| Pretax return on assets | 1.0322% | 2,488 |
| Return on Equity (ROE) | 6.7657% | 2,882 |
| Retained earnings to average equity (ytd only) | -1.0372% | 5,271 |
| Net charge-offs to loans | 0.1147% | 6,017 |
| Credit loss provision to net charge-offs | 137.9310% | 3,560 |
| Earnings coverage of net charge-offs (x) | 16.8966% | 1,225 |
| Efficiency ratio | 69.9755% | 4,636 |
| Assets per employee ($millions) | 3.2041% | 5,713 |
| Cash dividends to net income (ytd only)* | 115.3310% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 4,247 |
| Loan loss allowance to noncurrent loans | 68.0233% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.1503% | 4,790 |
| Noncurrent loans to loans | 2.0557% | 3,581 |
| Net loans and leases to total assets | 55.1753% | 6,062 |
| Net loans and leases to deposits | 62.2016% | 6,448 |
| Net loans and leases to core deposits | 73.1880% | 6,581 |
| Total domestic deposits to total assets | 88.7041% | 1,625 |
| Equity capital to assets | 9.5771% | 4,297 |
| Core capital (leverage) ratio | 9.6070% | 3,588 |
| Tier 1 risk-based capital ratio | 13.8632% | 3,591 |
| Total risk-based capital ratio | 15.0757% | 3,554 |
| Memoranda: | ||
| Average total assets | $43,595,800 | 6,962 |
| Average earning assets | $40,199,400 | 6,933 |
| Average equity | $4,242,000 | 7,196 |
| Average total loans | $25,280,800 | 6,895 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 6,134 |
| Cost of funding earning assets | 1.3454% | 6,414 |
| Net interest margin | 3.7968% | 3,671 |
| Noninterest income to average assets | 0.2311% | 6,574 |
| Noninterest expense to average assets | 2.6401% | 5,561 |
| Loan and lease loss provision to assets | 0.0924% | 6,442 |
| Net operating income to assets | 0.6531% | 3,392 |
| Return on assets (ROA) | 0.6531% | 3,454 |
| Pretax return on assets | 1.0197% | 2,841 |
| Return on Equity (ROE) | 6.6846% | 3,225 |
| Retained earnings to average equity (ytd only) | -3.7522% | 6,067 |
| Net charge-offs to loans | 0.1579% | 5,127 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 12.0330% | 1,802 |
| Efficiency ratio | 70.3612% | 4,519 |
| Assets per employee ($millions) | 2.8125% | 6,631 |
| Cash dividends to net income (ytd only)* | 156.1310% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 4,320 |
| Loan loss allowance to noncurrent loans | 8,500.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 7,573 |
| Noncurrent loans to loans | 0.0156% | 7,488 |
| Net loans and leases to total assets | 59.8123% | 5,614 |
| Net loans and leases to deposits | 67.6579% | 6,159 |
| Net loans and leases to core deposits | 79.9271% | 6,359 |
| Total domestic deposits to total assets | 88.4040% | 1,473 |
| Equity capital to assets | 10.1358% | 3,925 |
| Core capital (leverage) ratio | 9.4786% | 3,938 |
| Tier 1 risk-based capital ratio | 13.7864% | 3,671 |
| Total risk-based capital ratio | 14.9774% | 3,647 |
| Memoranda: | ||
| Average total assets | $43,280,500 | 7,027 |
| Average earning assets | $40,137,500 | 6,995 |
| Average equity | $4,228,500 | 7,270 |
| Average total loans | $25,325,750 | 6,951 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1269% | 6,328 |
| Cost of funding earning assets | 1.3767% | 6,556 |
| Net interest margin | 3.7502% | 3,755 |
| Noninterest income to average assets | 0.2337% | 6,606 |
| Noninterest expense to average assets | 2.5845% | 5,801 |
| Loan and lease loss provision to assets | 0.0916% | 6,253 |
| Net operating income to assets | 0.6690% | 3,390 |
| Return on assets (ROA) | 0.6690% | 3,501 |
| Pretax return on assets | 1.0402% | 2,843 |
| Return on Equity (ROE) | 6.9315% | 3,230 |
| Retained earnings to average equity (ytd only) | -8.7830% | 6,750 |
| Net charge-offs to loans | 0.2139% | 4,169 |
| Credit loss provision to net charge-offs | 74.0741% | 5,337 |
| Earnings coverage of net charge-offs (x) | 9.1481% | 2,165 |
| Efficiency ratio | 69.5438% | 4,868 |
| Assets per employee ($millions) | 2.8535% | 6,504 |
| Cash dividends to net income (ytd only)* | 226.7123% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,131 |
| Loan loss allowance to noncurrent loans | 8,325.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 7,620 |
| Noncurrent loans to loans | 0.0159% | 7,516 |
| Net loans and leases to total assets | 57.9693% | 5,967 |
| Net loans and leases to deposits | 65.3980% | 6,446 |
| Net loans and leases to core deposits | 76.5330% | 6,643 |
| Total domestic deposits to total assets | 88.6407% | 1,466 |
| Equity capital to assets | 9.6865% | 4,368 |
| Core capital (leverage) ratio | 9.1716% | 4,346 |
| Tier 1 risk-based capital ratio | 13.8776% | 3,590 |
| Total risk-based capital ratio | 15.0717% | 3,555 |
| Memoranda: | ||
| Average total assets | $43,645,000 | 7,070 |
| Average earning assets | $40,531,670 | 7,031 |
| Average equity | $4,212,670 | 7,335 |
| Average total loans | $25,243,330 | 7,013 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 5,942 |
| Cost of funding earning assets | 1.4103% | 6,694 |
| Net interest margin | 3.8783% | 3,142 |
| Noninterest income to average assets | 0.2542% | 6,426 |
| Noninterest expense to average assets | 2.5325% | 5,724 |
| Loan and lease loss provision to assets | 0.0908% | 5,794 |
| Net operating income to assets | 0.7988% | 3,137 |
| Return on assets (ROA) | 0.7988% | 3,297 |
| Pretax return on assets | 1.2254% | 2,531 |
| Return on Equity (ROE) | 8.2902% | 3,020 |
| Retained earnings to average equity (ytd only) | -22.8921% | 7,719 |
| Net charge-offs to loans | 0.3479% | 2,691 |
| Credit loss provision to net charge-offs | 45.4545% | 4,745 |
| Earnings coverage of net charge-offs (x) | 6.5909% | 2,476 |
| Efficiency ratio | 65.8019% | 5,362 |
| Assets per employee ($millions) | 3.1619% | 5,697 |
| Cash dividends to net income (ytd only)* | 376.1364% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 3,658 |
| Loan loss allowance to noncurrent loans | 2,733.3333% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 7,540 |
| Noncurrent loans to loans | 0.0502% | 7,395 |
| Net loans and leases to total assets | 53.2541% | 6,556 |
| Net loans and leases to deposits | 59.6176% | 6,926 |
| Net loans and leases to core deposits | 69.0631% | 7,078 |
| Total domestic deposits to total assets | 89.3261% | 1,085 |
| Equity capital to assets | 9.3230% | 4,905 |
| Core capital (leverage) ratio | 8.9608% | 4,774 |
| Tier 1 risk-based capital ratio | 13.9616% | 3,613 |
| Total risk-based capital ratio | 15.1632% | 3,560 |
| Memoranda: | ||
| Average total assets | $44,066,500 | 7,101 |
| Average earning assets | $40,843,000 | 7,064 |
| Average equity | $4,246,000 | 7,366 |
| Average total loans | $25,292,500 | 7,047 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3943% | 3,450 |
| Cost of funding earning assets | 1.8609% | 6,848 |
| Net interest margin | 4.5334% | 1,344 |
| Noninterest income to average assets | 0.3444% | 5,981 |
| Noninterest expense to average assets | 2.7839% | 4,893 |
| Loan and lease loss provision to assets | 0.0950% | 6,173 |
| Net operating income to assets | 1.0095% | 2,513 |
| Return on assets (ROA) | 1.0095% | 2,398 |
| Pretax return on assets | 1.6319% | 1,308 |
| Return on Equity (ROE) | 10.1432% | 2,206 |
| Retained earnings to average equity (ytd only) | -1.6468% | 5,778 |
| Net charge-offs to loans | 0.0040% | 6,943 |
| Credit loss provision to net charge-offs | 4,000.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 727.0000% | 76 |
| Efficiency ratio | 61.7167% | 6,005 |
| Assets per employee ($millions) | 2.9244% | 6,237 |
| Cash dividends to net income (ytd only)* | 116.2353% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 3,964 |
| Loan loss allowance to noncurrent loans | 723.4043% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 7,148 |
| Noncurrent loans to loans | 0.1761% | 6,861 |
| Net loans and leases to total assets | 60.0533% | 5,901 |
| Net loans and leases to deposits | 69.6849% | 6,302 |
| Net loans and leases to core deposits | 80.7745% | 6,557 |
| Total domestic deposits to total assets | 86.1784% | 2,327 |
| Equity capital to assets | 9.9508% | 4,102 |
| Core capital (leverage) ratio | 9.6985% | 3,766 |
| Tier 1 risk-based capital ratio | 13.8198% | 3,639 |
| Total risk-based capital ratio | 14.9797% | 3,600 |
| Memoranda: | ||
| Average total assets | $42,098,800 | 7,123 |
| Average earning assets | $38,690,800 | 7,102 |
| Average equity | $4,190,000 | 7,435 |
| Average total loans | $25,278,600 | 7,013 |