Home > Community National Bank > Performance and Condition Ratios
Community National Bank, 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 | 3.5880% | 6,408 |
| Cost of funding earning assets | 0.4573% | 5,741 |
| Net interest margin | 3.1307% | 5,871 |
| Noninterest income to average assets | 0.3398% | 5,089 |
| Noninterest expense to average assets | 3.8315% | 1,157 |
| Loan and lease loss provision to assets | 0.6458% | 817 |
| Net operating income to assets | -0.7295% | 6,789 |
| Return on assets (ROA) | -0.7295% | 6,815 |
| Pretax return on assets | -1.1734% | 6,905 |
| Return on Equity (ROE) | -7.5758% | 6,804 |
| Retained earnings to average equity (ytd only) | -7.5758% | 6,739 |
| Net charge-offs to loans | 2.1449% | 315 |
| Credit loss provision to net charge-offs | 79.4941% | 3,637 |
| Earnings coverage of net charge-offs (x) | -0.6495% | 5,529 |
| Efficiency ratio | 115.9707% | 229 |
| Assets per employee ($millions) | 6.3091% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 3,644 |
| Loan loss allowance to noncurrent loans | 107.2289% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 3,964 |
| Noncurrent loans to loans | 1.4647% | 3,594 |
| Net loans and leases to total assets | 36.5810% | 6,519 |
| Net loans and leases to deposits | 40.6568% | 6,655 |
| Net loans and leases to core deposits | 42.1476% | 6,665 |
| Total domestic deposits to total assets | 89.9751% | 858 |
| Equity capital to assets | 9.6440% | 5,005 |
| Core capital (leverage) ratio | 8.7463% | 5,408 |
| Tier 1 risk-based capital ratio | 18.7846% | 2,079 |
| Total risk-based capital ratio | 20.0350% | 2,044 |
| Memoranda: | ||
| Average total assets | $181,682,500 | 3,318 |
| Average earning assets | $172,013,000 | 3,235 |
| Average equity | $17,493,750 | 3,572 |
| Average total loans | $68,813,250 | 4,439 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 6,495 |
| Cost of funding earning assets | 0.4786% | 5,770 |
| Net interest margin | 3.1156% | 5,960 |
| Noninterest income to average assets | 0.3178% | 5,274 |
| Noninterest expense to average assets | 2.6019% | 4,773 |
| Loan and lease loss provision to assets | 0.7834% | 650 |
| Net operating income to assets | -0.0430% | 6,371 |
| Return on assets (ROA) | -0.0430% | 6,490 |
| Pretax return on assets | -0.1225% | 6,533 |
| Return on Equity (ROE) | -0.4472% | 6,494 |
| Retained earnings to average equity (ytd only) | -0.4472% | 6,112 |
| Net charge-offs to loans | 2.8226% | 219 |
| Credit loss provision to net charge-offs | 72.8205% | 3,500 |
| Earnings coverage of net charge-offs (x) | 0.6144% | 4,759 |
| Efficiency ratio | 79.7430% | 2,228 |
| Assets per employee ($millions) | 5.8244% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 4,003 |
| Loan loss allowance to noncurrent loans | 60.9467% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.3386% | 3,763 |
| Noncurrent loans to loans | 2.4620% | 2,439 |
| Net loans and leases to total assets | 37.4477% | 6,521 |
| Net loans and leases to deposits | 41.5884% | 6,674 |
| Net loans and leases to core deposits | 43.0616% | 6,694 |
| Total domestic deposits to total assets | 90.0435% | 898 |
| Equity capital to assets | 9.8319% | 4,575 |
| Core capital (leverage) ratio | 9.1879% | 4,630 |
| Tier 1 risk-based capital ratio | 19.4913% | 1,854 |
| Total risk-based capital ratio | 20.7092% | 1,830 |
| Memoranda: | ||
| Average total assets | $181,255,330 | 3,334 |
| Average earning assets | $171,328,670 | 3,253 |
| Average equity | $17,443,330 | 3,578 |
| Average total loans | $69,085,000 | 4,444 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5976% | 6,577 |
| Cost of funding earning assets | 0.5016% | 5,811 |
| Net interest margin | 3.0960% | 6,057 |
| Noninterest income to average assets | 0.3216% | 5,299 |
| Noninterest expense to average assets | 2.5902% | 4,856 |
| Loan and lease loss provision to assets | 0.0220% | 5,061 |
| Net operating income to assets | 0.4405% | 5,078 |
| Return on assets (ROA) | 0.4405% | 5,270 |
| Pretax return on assets | 0.6321% | 5,002 |
| Return on Equity (ROE) | 4.6272% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.6272% | 3,794 |
| Net charge-offs to loans | -0.0404% | 6,454 |
| Credit loss provision to net charge-offs | -142.8571% | 5,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8371% | 2,223 |
| Assets per employee ($millions) | 5.8984% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 2,647 |
| Loan loss allowance to noncurrent loans | 55.5461% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.6894% | 3,324 |
| Noncurrent loans to loans | 3.4401% | 1,816 |
| Net loans and leases to total assets | 36.8322% | 6,568 |
| Net loans and leases to deposits | 41.3998% | 6,684 |
| Net loans and leases to core deposits | 43.2736% | 6,690 |
| Total domestic deposits to total assets | 88.9670% | 1,711 |
| Equity capital to assets | 9.5362% | 4,747 |
| Core capital (leverage) ratio | 9.2694% | 4,411 |
| Tier 1 risk-based capital ratio | 18.9422% | 2,006 |
| Total risk-based capital ratio | 20.1954% | 1,961 |
| Memoranda: | ||
| Average total assets | $181,605,000 | 3,352 |
| Average earning assets | $171,449,000 | 3,264 |
| Average equity | $17,289,000 | 3,606 |
| Average total loans | $69,305,500 | 4,469 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 5,917 |
| Cost of funding earning assets | 0.6598% | 5,773 |
| Net interest margin | 3.5909% | 4,768 |
| Noninterest income to average assets | 0.4906% | 3,918 |
| Noninterest expense to average assets | 3.0324% | 3,470 |
| Loan and lease loss provision to assets | 0.2687% | 3,527 |
| Net operating income to assets | 0.3576% | 5,044 |
| Return on assets (ROA) | 0.3708% | 5,161 |
| Pretax return on assets | 0.5428% | 4,863 |
| Return on Equity (ROE) | 4.1324% | 4,790 |
| Retained earnings to average equity (ytd only) | 4.1324% | 3,242 |
| Net charge-offs to loans | 0.8223% | 2,103 |
| Credit loss provision to net charge-offs | 73.3138% | 4,725 |
| Earnings coverage of net charge-offs (x) | 2.1613% | 4,167 |
| Efficiency ratio | 79.2890% | 2,406 |
| Assets per employee ($millions) | 5.8180% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 2,706 |
| Loan loss allowance to noncurrent loans | 51.1251% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 1.8075% | 3,247 |
| Noncurrent loans to loans | 3.6211% | 1,759 |
| Net loans and leases to total assets | 38.0663% | 6,646 |
| Net loans and leases to deposits | 42.7117% | 6,780 |
| Net loans and leases to core deposits | 44.9584% | 6,772 |
| Total domestic deposits to total assets | 89.1239% | 1,463 |
| Equity capital to assets | 9.5038% | 4,887 |
| Core capital (leverage) ratio | 8.9485% | 4,865 |
| Tier 1 risk-based capital ratio | 18.4162% | 2,075 |
| Total risk-based capital ratio | 19.6691% | 2,036 |
| Memoranda: | ||
| Average total assets | $186,087,200 | 3,246 |
| Average earning assets | $172,771,200 | 3,190 |
| Average equity | $16,697,200 | 3,624 |
| Average total loans | $82,939,800 | 4,054 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 5,293 |
| Cost of funding earning assets | 0.6971% | 5,788 |
| Net interest margin | 3.7871% | 3,939 |
| Noninterest income to average assets | 0.6868% | 2,688 |
| Noninterest expense to average assets | 3.2195% | 2,770 |
| Loan and lease loss provision to assets | 0.3555% | 2,741 |
| Net operating income to assets | 0.4712% | 4,671 |
| Return on assets (ROA) | 0.4863% | 4,793 |
| Pretax return on assets | 0.6392% | 4,688 |
| Return on Equity (ROE) | 5.4984% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.4984% | 2,861 |
| Net charge-offs to loans | 1.0566% | 1,507 |
| Credit loss provision to net charge-offs | 73.2064% | 4,376 |
| Earnings coverage of net charge-offs (x) | 2.0073% | 4,141 |
| Efficiency ratio | 76.7588% | 2,714 |
| Assets per employee ($millions) | 5.6852% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8270% | 2,845 |
| Loan loss allowance to noncurrent loans | 88.7517% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.3181% | 4,168 |
| Noncurrent loans to loans | 2.0586% | 3,291 |
| Net loans and leases to total assets | 39.4528% | 6,674 |
| Net loans and leases to deposits | 43.8785% | 6,842 |
| Net loans and leases to core deposits | 45.9810% | 6,848 |
| Total domestic deposits to total assets | 89.9138% | 909 |
| Equity capital to assets | 9.8155% | 4,606 |
| Core capital (leverage) ratio | 9.1806% | 4,658 |
| Tier 1 risk-based capital ratio | 18.6688% | 2,042 |
| Total risk-based capital ratio | 19.9213% | 1,994 |
| Memoranda: | ||
| Average total assets | $187,519,250 | 3,239 |
| Average earning assets | $173,671,500 | 3,186 |
| Average equity | $16,586,250 | 3,649 |
| Average total loans | $86,187,000 | 4,003 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 5,054 |
| Cost of funding earning assets | 0.7318% | 5,768 |
| Net interest margin | 3.8482% | 3,545 |
| Noninterest income to average assets | 0.3095% | 5,414 |
| Noninterest expense to average assets | 3.3344% | 2,452 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4023% | 4,931 |
| Return on assets (ROA) | 0.4245% | 4,987 |
| Pretax return on assets | 0.5563% | 4,891 |
| Return on Equity (ROE) | 4.9668% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.9668% | 3,028 |
| Net charge-offs to loans | 0.5388% | 2,477 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.0488% | 3,833 |
| Efficiency ratio | 86.3526% | 1,562 |
| Assets per employee ($millions) | 5.0517% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 4,774 |
| Loan loss allowance to noncurrent loans | 88.3704% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.6216% | 3,758 |
| Noncurrent loans to loans | 1.5395% | 4,098 |
| Net loans and leases to total assets | 46.4947% | 6,217 |
| Net loans and leases to deposits | 51.0224% | 6,533 |
| Net loans and leases to core deposits | 53.3449% | 6,601 |
| Total domestic deposits to total assets | 91.1260% | 454 |
| Equity capital to assets | 8.6916% | 5,951 |
| Core capital (leverage) ratio | 8.2261% | 5,987 |
| Tier 1 risk-based capital ratio | 14.1864% | 4,026 |
| Total risk-based capital ratio | 15.3084% | 4,103 |
| Memoranda: | ||
| Average total assets | $191,278,670 | 3,206 |
| Average earning assets | $176,548,670 | 3,179 |
| Average equity | $16,348,670 | 3,673 |
| Average total loans | $91,307,330 | 3,912 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 5,100 |
| Cost of funding earning assets | 0.7470% | 5,877 |
| Net interest margin | 3.8191% | 3,519 |
| Noninterest income to average assets | 0.3876% | 4,813 |
| Noninterest expense to average assets | 3.2954% | 2,571 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4527% | 4,703 |
| Return on assets (ROA) | 0.4588% | 4,753 |
| Pretax return on assets | 0.6243% | 4,588 |
| Return on Equity (ROE) | 5.4139% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.4139% | 2,951 |
| Net charge-offs to loans | -0.0087% | 6,335 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2528% | 1,924 |
| Assets per employee ($millions) | 5.1915% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 3,725 |
| Loan loss allowance to noncurrent loans | 91.6357% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.7810% | 3,604 |
| Noncurrent loans to loans | 1.7461% | 3,896 |
| Net loans and leases to total assets | 47.3515% | 6,154 |
| Net loans and leases to deposits | 51.8144% | 6,490 |
| Net loans and leases to core deposits | 54.1589% | 6,541 |
| Total domestic deposits to total assets | 91.3867% | 448 |
| Equity capital to assets | 8.4420% | 5,998 |
| Core capital (leverage) ratio | 8.2139% | 5,954 |
| Tier 1 risk-based capital ratio | 14.0766% | 4,022 |
| Total risk-based capital ratio | 15.3278% | 3,999 |
| Memoranda: | ||
| Average total assets | $190,935,000 | 3,237 |
| Average earning assets | $176,165,000 | 3,207 |
| Average equity | $16,180,500 | 3,694 |
| Average total loans | $91,718,500 | 3,940 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7182% | 5,742 |
| Cost of funding earning assets | 0.9900% | 5,736 |
| Net interest margin | 3.7282% | 4,238 |
| Noninterest income to average assets | -0.2050% | 7,470 |
| Noninterest expense to average assets | 3.3829% | 2,480 |
| Loan and lease loss provision to assets | 0.3269% | 4,194 |
| Net operating income to assets | -0.2998% | 6,216 |
| Return on assets (ROA) | -0.2935% | 6,249 |
| Pretax return on assets | -0.4859% | 6,307 |
| Return on Equity (ROE) | -3.2622% | 6,298 |
| Retained earnings to average equity (ytd only) | -3.2622% | 6,126 |
| Net charge-offs to loans | 0.1519% | 5,442 |
| Credit loss provision to net charge-offs | 446.2687% | 515 |
| Earnings coverage of net charge-offs (x) | -2.3060% | 6,718 |
| Efficiency ratio | 105.2551% | 640 |
| Assets per employee ($millions) | 5.2718% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 3,493 |
| Loan loss allowance to noncurrent loans | 86.0723% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.8563% | 3,548 |
| Noncurrent loans to loans | 1.8857% | 3,706 |
| Net loans and leases to total assets | 47.1723% | 6,460 |
| Net loans and leases to deposits | 51.6447% | 6,769 |
| Net loans and leases to core deposits | 54.1031% | 6,807 |
| Total domestic deposits to total assets | 91.3401% | 445 |
| Equity capital to assets | 8.5071% | 5,846 |
| Core capital (leverage) ratio | 8.1285% | 5,947 |
| Tier 1 risk-based capital ratio | 14.0140% | 3,862 |
| Total risk-based capital ratio | 15.2654% | 3,827 |
| Memoranda: | ||
| Average total assets | $182,947,000 | 3,327 |
| Average earning assets | $167,775,600 | 3,320 |
| Average equity | $16,461,400 | 3,676 |
| Average total loans | $88,235,400 | 4,100 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 5,837 |
| Cost of funding earning assets | 1.0399% | 5,742 |
| Net interest margin | 3.7133% | 4,339 |
| Noninterest income to average assets | -0.4311% | 7,663 |
| Noninterest expense to average assets | 3.4959% | 2,040 |
| Loan and lease loss provision to assets | 0.1898% | 5,147 |
| Net operating income to assets | -0.4462% | 6,558 |
| Return on assets (ROA) | -0.4377% | 6,589 |
| Pretax return on assets | -0.7070% | 6,684 |
| Return on Equity (ROE) | -4.7962% | 6,637 |
| Retained earnings to average equity (ytd only) | -4.7962% | 6,542 |
| Net charge-offs to loans | 0.0990% | 5,539 |
| Credit loss provision to net charge-offs | 396.9231% | 767 |
| Earnings coverage of net charge-offs (x) | -11.0929% | 6,628 |
| Efficiency ratio | 117.8864% | 416 |
| Assets per employee ($millions) | 5.2244% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 4,978 |
| Loan loss allowance to noncurrent loans | 151.1278% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 1.3850% | 4,393 |
| Noncurrent loans to loans | 0.8592% | 5,503 |
| Net loans and leases to total assets | 48.7420% | 6,456 |
| Net loans and leases to deposits | 53.4206% | 6,806 |
| Net loans and leases to core deposits | 56.0697% | 6,851 |
| Total domestic deposits to total assets | 91.2420% | 369 |
| Equity capital to assets | 8.5761% | 6,187 |
| Core capital (leverage) ratio | 8.2606% | 5,946 |
| Tier 1 risk-based capital ratio | 13.8505% | 3,951 |
| Total risk-based capital ratio | 14.9437% | 4,014 |
| Memoranda: | ||
| Average total assets | $181,238,000 | 3,407 |
| Average earning assets | $165,776,750 | 3,394 |
| Average equity | $16,540,500 | 3,718 |
| Average total loans | $87,543,750 | 4,181 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 5,867 |
| Cost of funding earning assets | 1.0746% | 5,806 |
| Net interest margin | 3.7041% | 4,344 |
| Noninterest income to average assets | 0.1308% | 6,935 |
| Noninterest expense to average assets | 3.6601% | 1,645 |
| Loan and lease loss provision to assets | 0.1598% | 5,292 |
| Net operating income to assets | -0.1738% | 6,321 |
| Return on assets (ROA) | -0.1609% | 6,367 |
| Pretax return on assets | -0.2906% | 6,422 |
| Return on Equity (ROE) | -1.7269% | 6,397 |
| Retained earnings to average equity (ytd only) | -1.7269% | 6,104 |
| Net charge-offs to loans | 0.1469% | 4,763 |
| Credit loss provision to net charge-offs | 226.9841% | 1,707 |
| Earnings coverage of net charge-offs (x) | -2.1429% | 6,218 |
| Efficiency ratio | 104.2994% | 675 |
| Assets per employee ($millions) | 4.3593% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 5,442 |
| Loan loss allowance to noncurrent loans | 9,108.3333% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 6,945 |
| Noncurrent loans to loans | 0.0132% | 7,298 |
| Net loans and leases to total assets | 49.0147% | 6,544 |
| Net loans and leases to deposits | 53.9854% | 6,865 |
| Net loans and leases to core deposits | 56.9603% | 6,888 |
| Total domestic deposits to total assets | 90.7925% | 570 |
| Equity capital to assets | 9.0464% | 5,374 |
| Core capital (leverage) ratio | 8.8254% | 4,874 |
| Tier 1 risk-based capital ratio | 14.8088% | 3,260 |
| Total risk-based capital ratio | 15.8215% | 3,366 |
| Memoranda: | ||
| Average total assets | $178,957,330 | 3,455 |
| Average earning assets | $163,224,670 | 3,458 |
| Average equity | $16,677,330 | 3,690 |
| Average total loans | $85,765,000 | 4,259 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 6,002 |
| Cost of funding earning assets | 1.1113% | 5,845 |
| Net interest margin | 3.6580% | 4,448 |
| Noninterest income to average assets | 0.4048% | 4,881 |
| Noninterest expense to average assets | 3.6768% | 1,555 |
| Loan and lease loss provision to assets | 0.0905% | 5,729 |
| Net operating income to assets | 0.0023% | 6,279 |
| Return on assets (ROA) | 0.0023% | 6,390 |
| Pretax return on assets | -0.0430% | 6,405 |
| Return on Equity (ROE) | 0.0239% | 6,397 |
| Retained earnings to average equity (ytd only) | 0.0239% | 5,811 |
| Net charge-offs to loans | 0.2018% | 3,703 |
| Credit loss provision to net charge-offs | 95.2381% | 3,543 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 4,582 |
| Efficiency ratio | 98.7250% | 890 |
| Assets per employee ($millions) | 4.2849% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,587 |
| Loan loss allowance to noncurrent loans | 5,947.0588% | 62 |
| Noncurrent assets plus other real estate owned to assets | 1.1513% | 4,863 |
| Noncurrent loans to loans | 0.0199% | 7,366 |
| Net loans and leases to total assets | 46.9525% | 6,756 |
| Net loans and leases to deposits | 52.8400% | 6,990 |
| Net loans and leases to core deposits | 55.4948% | 7,017 |
| Total domestic deposits to total assets | 88.8578% | 1,595 |
| Equity capital to assets | 9.3063% | 4,824 |
| Core capital (leverage) ratio | 9.2704% | 4,105 |
| Tier 1 risk-based capital ratio | 15.5183% | 2,859 |
| Total risk-based capital ratio | 16.4854% | 2,951 |
| Memoranda: | ||
| Average total assets | $176,891,000 | 3,545 |
| Average earning assets | $160,525,500 | 3,558 |
| Average equity | $16,734,500 | 3,709 |
| Average total loans | $83,230,500 | 4,408 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2015% | 5,644 |
| Cost of funding earning assets | 1.5453% | 5,307 |
| Net interest margin | 3.6562% | 4,325 |
| Noninterest income to average assets | 0.3579% | 5,531 |
| Noninterest expense to average assets | 3.4397% | 2,555 |
| Loan and lease loss provision to assets | 0.2714% | 5,240 |
| Net operating income to assets | 0.0036% | 5,470 |
| Return on assets (ROA) | 0.0036% | 5,528 |
| Pretax return on assets | -0.0351% | 5,501 |
| Return on Equity (ROE) | 0.0362% | 5,526 |
| Retained earnings to average equity (ytd only) | 0.0362% | 4,888 |
| Net charge-offs to loans | 0.2437% | 5,099 |
| Credit loss provision to net charge-offs | 235.0785% | 1,543 |
| Earnings coverage of net charge-offs (x) | 2.0471% | 4,192 |
| Efficiency ratio | 93.5701% | 1,440 |
| Assets per employee ($millions) | 4.3454% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 5,040 |
| Loan loss allowance to noncurrent loans | 1,368.9189% | 282 |
| Noncurrent assets plus other real estate owned to assets | 1.2082% | 4,683 |
| Noncurrent loans to loans | 0.0914% | 7,182 |
| Net loans and leases to total assets | 45.9903% | 6,976 |
| Net loans and leases to deposits | 50.9708% | 7,205 |
| Net loans and leases to core deposits | 64.8729% | 7,040 |
| Total domestic deposits to total assets | 90.2288% | 864 |
| Equity capital to assets | 9.6199% | 4,249 |
| Core capital (leverage) ratio | 9.4358% | 3,794 |
| Tier 1 risk-based capital ratio | 15.7002% | 2,641 |
| Total risk-based capital ratio | 16.6825% | 2,696 |
| Memoranda: | ||
| Average total assets | $165,421,400 | 3,682 |
| Average earning assets | $150,130,000 | 3,716 |
| Average equity | $16,596,000 | 3,762 |
| Average total loans | $78,385,800 | 4,571 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2681% | 5,581 |
| Cost of funding earning assets | 1.6319% | 5,245 |
| Net interest margin | 3.6361% | 4,345 |
| Noninterest income to average assets | 0.3959% | 5,323 |
| Noninterest expense to average assets | 3.4467% | 2,431 |
| Loan and lease loss provision to assets | 0.2890% | 4,665 |
| Net operating income to assets | -0.0041% | 5,716 |
| Return on assets (ROA) | -0.0041% | 5,777 |
| Pretax return on assets | -0.0384% | 5,764 |
| Return on Equity (ROE) | -0.0403% | 5,783 |
| Retained earnings to average equity (ytd only) | -0.0403% | 5,217 |
| Net charge-offs to loans | 0.1080% | 5,590 |
| Credit loss provision to net charge-offs | 561.9048% | 691 |
| Earnings coverage of net charge-offs (x) | 4.8729% | 2,988 |
| Efficiency ratio | 93.2215% | 1,453 |
| Assets per employee ($millions) | 4.4523% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 4,609 |
| Loan loss allowance to noncurrent loans | 95.9633% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.4327% | 4,239 |
| Noncurrent loans to loans | 1.3354% | 4,701 |
| Net loans and leases to total assets | 47.6248% | 6,989 |
| Net loans and leases to deposits | 52.9600% | 7,262 |
| Net loans and leases to core deposits | 66.7431% | 7,128 |
| Total domestic deposits to total assets | 89.9259% | 794 |
| Equity capital to assets | 9.8459% | 4,289 |
| Core capital (leverage) ratio | 9.7438% | 3,578 |
| Tier 1 risk-based capital ratio | 15.9273% | 2,654 |
| Total risk-based capital ratio | 16.9555% | 2,670 |
| Memoranda: | ||
| Average total assets | $163,322,500 | 3,737 |
| Average earning assets | $148,285,500 | 3,754 |
| Average equity | $16,564,750 | 3,794 |
| Average total loans | $77,744,250 | 4,636 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3258% | 5,527 |
| Cost of funding earning assets | 1.7228% | 5,164 |
| Net interest margin | 3.6030% | 4,346 |
| Noninterest income to average assets | 0.3991% | 5,296 |
| Noninterest expense to average assets | 3.4753% | 2,417 |
| Loan and lease loss provision to assets | 0.3879% | 3,585 |
| Net operating income to assets | -0.1301% | 6,067 |
| Return on assets (ROA) | -0.1301% | 6,096 |
| Pretax return on assets | -0.2033% | 6,127 |
| Return on Equity (ROE) | -1.2701% | 6,115 |
| Retained earnings to average equity (ytd only) | -1.2701% | 5,556 |
| Net charge-offs to loans | 0.1622% | 4,582 |
| Credit loss provision to net charge-offs | 504.8387% | 910 |
| Earnings coverage of net charge-offs (x) | 2.4032% | 3,864 |
| Efficiency ratio | 94.9543% | 1,442 |
| Assets per employee ($millions) | 4.3518% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 4,335 |
| Loan loss allowance to noncurrent loans | 79.3375% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.5499% | 3,901 |
| Noncurrent loans to loans | 1.6237% | 4,059 |
| Net loans and leases to total assets | 46.6145% | 7,153 |
| Net loans and leases to deposits | 51.9503% | 7,387 |
| Net loans and leases to core deposits | 66.2934% | 7,198 |
| Total domestic deposits to total assets | 89.7290% | 947 |
| Equity capital to assets | 10.0103% | 3,927 |
| Core capital (leverage) ratio | 9.8932% | 3,402 |
| Tier 1 risk-based capital ratio | 16.1930% | 2,551 |
| Total risk-based capital ratio | 17.2057% | 2,581 |
| Memoranda: | ||
| Average total assets | $161,367,670 | 3,797 |
| Average earning assets | $146,044,330 | 3,822 |
| Average equity | $16,533,670 | 3,805 |
| Average total loans | $76,452,000 | 4,719 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4367% | 5,243 |
| Cost of funding earning assets | 1.8030% | 5,100 |
| Net interest margin | 3.6338% | 4,173 |
| Noninterest income to average assets | 0.4091% | 5,143 |
| Noninterest expense to average assets | 3.4286% | 2,283 |
| Loan and lease loss provision to assets | 0.1556% | 4,941 |
| Net operating income to assets | 0.0627% | 6,087 |
| Return on assets (ROA) | 0.0627% | 6,244 |
| Pretax return on assets | 0.0979% | 6,172 |
| Return on Equity (ROE) | 0.6052% | 6,250 |
| Retained earnings to average equity (ytd only) | 0.6052% | 5,415 |
| Net charge-offs to loans | 0.0423% | 4,887 |
| Credit loss provision to net charge-offs | 775.0000% | 770 |
| Earnings coverage of net charge-offs (x) | 12.6250% | 1,789 |
| Efficiency ratio | 93.1152% | 1,490 |
| Assets per employee ($millions) | 3.9847% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 5,744 |
| Loan loss allowance to noncurrent loans | 83.2305% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.3527% | 3,960 |
| Noncurrent loans to loans | 1.2746% | 4,434 |
| Net loans and leases to total assets | 47.3373% | 7,078 |
| Net loans and leases to deposits | 52.9753% | 7,342 |
| Net loans and leases to core deposits | 68.4851% | 7,107 |
| Total domestic deposits to total assets | 89.3574% | 1,075 |
| Equity capital to assets | 10.4299% | 3,531 |
| Core capital (leverage) ratio | 10.3024% | 3,107 |
| Tier 1 risk-based capital ratio | 16.7202% | 2,438 |
| Total risk-based capital ratio | 17.5508% | 2,527 |
| Memoranda: | ||
| Average total assets | $159,367,000 | 3,846 |
| Average earning assets | $143,542,500 | 3,882 |
| Average equity | $16,523,500 | 3,833 |
| Average total loans | $75,632,000 | 4,776 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6876% | 6,818 |
| Cost of funding earning assets | 2.3057% | 5,120 |
| Net interest margin | 3.3819% | 5,731 |
| Noninterest income to average assets | 0.5251% | 4,423 |
| Noninterest expense to average assets | 3.3796% | 2,736 |
| Loan and lease loss provision to assets | 0.1364% | 5,617 |
| Net operating income to assets | 0.0437% | 6,249 |
| Return on assets (ROA) | 0.0662% | 6,045 |
| Pretax return on assets | 0.0754% | 5,998 |
| Return on Equity (ROE) | 0.6192% | 6,032 |
| Retained earnings to average equity (ytd only) | 0.6192% | 4,872 |
| Net charge-offs to loans | 0.2614% | 3,667 |
| Credit loss provision to net charge-offs | 123.8095% | 4,329 |
| Earnings coverage of net charge-offs (x) | 1.6905% | 5,234 |
| Efficiency ratio | 94.7785% | 1,233 |
| Assets per employee ($millions) | 3.8865% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 5,976 |
| Loan loss allowance to noncurrent loans | 629.1667% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 5,070 |
| Noncurrent loans to loans | 0.1600% | 6,930 |
| Net loans and leases to total assets | 46.5967% | 7,273 |
| Net loans and leases to deposits | 52.0596% | 7,533 |
| Net loans and leases to core deposits | 67.1393% | 7,321 |
| Total domestic deposits to total assets | 89.5065% | 844 |
| Equity capital to assets | 10.3065% | 3,703 |
| Core capital (leverage) ratio | 10.3278% | 3,146 |
| Tier 1 risk-based capital ratio | 17.0037% | 2,309 |
| Total risk-based capital ratio | 17.7947% | 2,402 |
| Memoranda: | ||
| Average total assets | $152,532,400 | 3,860 |
| Average earning assets | $137,140,200 | 3,911 |
| Average equity | $16,312,400 | 3,863 |
| Average total loans | $64,273,600 | 5,088 |