Home > Condon Bank & Trust > Performance and Condition Ratios
Condon Bank & Trust, 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 | 2.8544% | 6,526 |
| Cost of funding earning assets | 0.4147% | 4,675 |
| Net interest margin | 2.4397% | 6,480 |
| Noninterest income to average assets | 0.3782% | 4,690 |
| Noninterest expense to average assets | 2.3746% | 5,099 |
| Loan and lease loss provision to assets | -0.2300% | 6,741 |
| Net operating income to assets | 0.4939% | 4,820 |
| Return on assets (ROA) | 0.4939% | 4,984 |
| Pretax return on assets | 0.5121% | 5,320 |
| Return on Equity (ROE) | 5.3752% | 4,523 |
| Retained earnings to average equity (ytd only) | 2.8998% | 4,589 |
| Net charge-offs to loans | -1.0853% | 6,835 |
| Credit loss provision to net charge-offs | 90.3061% | 2,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3836% | 1,045 |
| Assets per employee ($millions) | 4.5551% | 2,797 |
| Cash dividends to net income (ytd only)* | 46.0535% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 3,085 |
| Loan loss allowance to noncurrent loans | 87.0504% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5326% | 4,849 |
| Noncurrent loans to loans | 1.8171% | 2,472 |
| Net loans and leases to total assets | 21.5581% | 6,725 |
| Net loans and leases to deposits | 23.8370% | 6,753 |
| Net loans and leases to core deposits | 24.4081% | 6,754 |
| Total domestic deposits to total assets | 90.4398% | 769 |
| Equity capital to assets | 8.8577% | 5,345 |
| Core capital (leverage) ratio | 8.8916% | 5,270 |
| Tier 1 risk-based capital ratio | 26.4555% | 749 |
| Total risk-based capital ratio | 27.4924% | 760 |
| Memoranda: | ||
| Average total assets | $102,582,750 | 4,726 |
| Average earning assets | $95,802,750 | 4,670 |
| Average equity | $9,425,750 | 5,047 |
| Average total loans | $24,079,000 | 6,089 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9135% | 6,521 |
| Cost of funding earning assets | 0.4285% | 4,676 |
| Net interest margin | 2.4850% | 6,464 |
| Noninterest income to average assets | 0.3711% | 4,738 |
| Noninterest expense to average assets | 2.5252% | 4,647 |
| Loan and lease loss provision to assets | 0.0589% | 3,828 |
| Net operating income to assets | 0.2415% | 5,796 |
| Return on assets (ROA) | 0.2415% | 5,919 |
| Pretax return on assets | 0.1100% | 6,216 |
| Return on Equity (ROE) | 2.5965% | 5,761 |
| Retained earnings to average equity (ytd only) | -0.0422% | 5,864 |
| Net charge-offs to loans | 0.1145% | 3,217 |
| Credit loss provision to net charge-offs | 214.2857% | 1,128 |
| Earnings coverage of net charge-offs (x) | 6.1429% | 2,767 |
| Efficiency ratio | 93.7318% | 774 |
| Assets per employee ($millions) | 4.3004% | 3,171 |
| Cash dividends to net income (ytd only)* | 101.6260% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 3,635 |
| Loan loss allowance to noncurrent loans | 167.4419% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3692% | 5,375 |
| Noncurrent loans to loans | 0.8892% | 4,149 |
| Net loans and leases to total assets | 23.0792% | 6,738 |
| Net loans and leases to deposits | 25.4969% | 6,775 |
| Net loans and leases to core deposits | 26.1161% | 6,779 |
| Total domestic deposits to total assets | 90.5174% | 748 |
| Equity capital to assets | 8.7366% | 5,506 |
| Core capital (leverage) ratio | 8.7321% | 5,377 |
| Tier 1 risk-based capital ratio | 25.4133% | 833 |
| Total risk-based capital ratio | 26.4238% | 841 |
| Memoranda: | ||
| Average total assets | $101,854,330 | 4,771 |
| Average earning assets | $95,210,330 | 4,717 |
| Average equity | $9,474,330 | 5,066 |
| Average total loans | $24,455,670 | 6,097 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0480% | 6,458 |
| Cost of funding earning assets | 0.4445% | 4,654 |
| Net interest margin | 2.6035% | 6,369 |
| Noninterest income to average assets | 0.3914% | 4,528 |
| Noninterest expense to average assets | 2.5619% | 4,522 |
| Loan and lease loss provision to assets | 0.1186% | 2,749 |
| Net operating income to assets | 0.2451% | 5,741 |
| Return on assets (ROA) | 0.2451% | 5,862 |
| Pretax return on assets | 0.1423% | 6,186 |
| Return on Equity (ROE) | 2.5559% | 5,755 |
| Retained earnings to average equity (ytd only) | -2.5971% | 6,149 |
| Net charge-offs to loans | 0.3578% | 1,570 |
| Credit loss provision to net charge-offs | 136.3636% | 1,457 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,872 |
| Efficiency ratio | 90.7563% | 1,078 |
| Assets per employee ($millions) | 4.2469% | 3,442 |
| Cash dividends to net income (ytd only)* | 201.6129% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 4,049 |
| Loan loss allowance to noncurrent loans | 181.4433% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 5,692 |
| Noncurrent loans to loans | 0.7939% | 4,532 |
| Net loans and leases to total assets | 23.6282% | 6,782 |
| Net loans and leases to deposits | 26.3297% | 6,814 |
| Net loans and leases to core deposits | 27.1740% | 6,823 |
| Total domestic deposits to total assets | 89.7395% | 1,194 |
| Equity capital to assets | 9.4638% | 4,898 |
| Core capital (leverage) ratio | 8.8062% | 5,181 |
| Tier 1 risk-based capital ratio | 25.5331% | 834 |
| Total risk-based capital ratio | 26.5325% | 844 |
| Memoranda: | ||
| Average total assets | $101,176,500 | 4,836 |
| Average earning assets | $94,488,000 | 4,781 |
| Average equity | $9,703,000 | 5,068 |
| Average total loans | $24,593,500 | 6,138 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3681% | 6,518 |
| Cost of funding earning assets | 0.5844% | 4,496 |
| Net interest margin | 2.7837% | 6,401 |
| Noninterest income to average assets | 0.4249% | 4,414 |
| Noninterest expense to average assets | 2.8515% | 3,839 |
| Loan and lease loss provision to assets | 0.1707% | 3,485 |
| Net operating income to assets | 0.1570% | 5,874 |
| Return on assets (ROA) | 0.4916% | 4,968 |
| Pretax return on assets | 0.3268% | 5,772 |
| Return on Equity (ROE) | 4.9311% | 4,706 |
| Retained earnings to average equity (ytd only) | -1.4665% | 6,085 |
| Net charge-offs to loans | 1.5258% | 577 |
| Credit loss provision to net charge-offs | 43.5000% | 4,851 |
| Earnings coverage of net charge-offs (x) | 0.4150% | 5,276 |
| Efficiency ratio | 94.5964% | 773 |
| Assets per employee ($millions) | 4.0171% | 3,907 |
| Cash dividends to net income (ytd only)* | 129.7405% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 4,213 |
| Loan loss allowance to noncurrent loans | 73.1915% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 5,263 |
| Noncurrent loans to loans | 1.8988% | 2,806 |
| Net loans and leases to total assets | 24.3040% | 6,853 |
| Net loans and leases to deposits | 27.2627% | 6,888 |
| Net loans and leases to core deposits | 28.1552% | 6,884 |
| Total domestic deposits to total assets | 89.1474% | 1,474 |
| Equity capital to assets | 9.7184% | 4,569 |
| Core capital (leverage) ratio | 8.8343% | 5,126 |
| Tier 1 risk-based capital ratio | 25.3862% | 811 |
| Total risk-based capital ratio | 26.3506% | 829 |
| Memoranda: | ||
| Average total assets | $101,911,000 | 4,779 |
| Average earning assets | $94,801,800 | 4,736 |
| Average equity | $10,160,000 | 4,947 |
| Average total loans | $26,215,200 | 6,126 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4213% | 6,603 |
| Cost of funding earning assets | 0.6092% | 4,544 |
| Net interest margin | 2.8121% | 6,483 |
| Noninterest income to average assets | 0.4302% | 4,411 |
| Noninterest expense to average assets | 2.6110% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4247% | 5,138 |
| Return on assets (ROA) | 0.8603% | 3,415 |
| Pretax return on assets | 0.8812% | 4,189 |
| Return on Equity (ROE) | 8.5768% | 3,004 |
| Retained earnings to average equity (ytd only) | 2.0792% | 5,283 |
| Net charge-offs to loans | -0.9681% | 7,119 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6715% | 1,412 |
| Assets per employee ($millions) | 4.0369% | 3,792 |
| Cash dividends to net income (ytd only)* | 75.7574% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0082% | 704 |
| Loan loss allowance to noncurrent loans | 76.3764% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 4,325 |
| Noncurrent loans to loans | 3.9387% | 1,312 |
| Net loans and leases to total assets | 23.4387% | 6,979 |
| Net loans and leases to deposits | 26.3146% | 7,007 |
| Net loans and leases to core deposits | 27.1444% | 7,003 |
| Total domestic deposits to total assets | 89.0710% | 1,389 |
| Equity capital to assets | 9.7352% | 4,881 |
| Core capital (leverage) ratio | 8.9572% | 5,126 |
| Tier 1 risk-based capital ratio | 26.5794% | 774 |
| Total risk-based capital ratio | 27.8396% | 758 |
| Memoranda: | ||
| Average total assets | $102,281,750 | 4,818 |
| Average earning assets | $95,204,250 | 4,763 |
| Average equity | $10,260,000 | 4,969 |
| Average total loans | $26,581,000 | 6,188 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5340% | 6,568 |
| Cost of funding earning assets | 0.6354% | 4,567 |
| Net interest margin | 2.8986% | 6,430 |
| Noninterest income to average assets | 0.4458% | 4,327 |
| Noninterest expense to average assets | 2.7123% | 4,363 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4207% | 5,146 |
| Return on assets (ROA) | 1.0632% | 2,419 |
| Pretax return on assets | 1.0731% | 3,401 |
| Return on Equity (ROE) | 10.4925% | 2,169 |
| Retained earnings to average equity (ytd only) | 4.1659% | 3,834 |
| Net charge-offs to loans | -1.3266% | 7,187 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4780% | 1,384 |
| Assets per employee ($millions) | 3.7051% | 4,508 |
| Cash dividends to net income (ytd only)* | 60.2968% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8496% | 899 |
| Loan loss allowance to noncurrent loans | 386.0825% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 6,234 |
| Noncurrent loans to loans | 0.7381% | 5,034 |
| Net loans and leases to total assets | 24.6139% | 7,017 |
| Net loans and leases to deposits | 27.6790% | 7,048 |
| Net loans and leases to core deposits | 28.6582% | 7,045 |
| Total domestic deposits to total assets | 88.9264% | 1,554 |
| Equity capital to assets | 9.8600% | 4,530 |
| Core capital (leverage) ratio | 9.1762% | 4,646 |
| Tier 1 risk-based capital ratio | 27.0684% | 722 |
| Total risk-based capital ratio | 28.3300% | 706 |
| Memoranda: | ||
| Average total assets | $101,389,330 | 4,871 |
| Average earning assets | $94,113,330 | 4,812 |
| Average equity | $10,274,000 | 4,967 |
| Average total loans | $26,986,670 | 6,204 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7060% | 6,427 |
| Cost of funding earning assets | 0.6530% | 4,704 |
| Net interest margin | 3.0530% | 6,174 |
| Noninterest income to average assets | 0.4670% | 4,169 |
| Noninterest expense to average assets | 2.7940% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4853% | 4,890 |
| Return on assets (ROA) | 1.7722% | 711 |
| Pretax return on assets | 1.8042% | 1,061 |
| Return on Equity (ROE) | 17.2486% | 633 |
| Retained earnings to average equity (ytd only) | 11.4214% | 938 |
| Net charge-offs to loans | -1.2144% | 7,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0547% | 1,575 |
| Assets per employee ($millions) | 3.5581% | 4,983 |
| Cash dividends to net income (ytd only)* | 33.7838% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3805% | 1,541 |
| Loan loss allowance to noncurrent loans | 1,592.6829% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 6,711 |
| Noncurrent loans to loans | 0.1495% | 6,383 |
| Net loans and leases to total assets | 25.9512% | 7,041 |
| Net loans and leases to deposits | 29.2909% | 7,071 |
| Net loans and leases to core deposits | 30.3354% | 7,070 |
| Total domestic deposits to total assets | 88.5983% | 1,956 |
| Equity capital to assets | 10.0450% | 4,073 |
| Core capital (leverage) ratio | 9.4118% | 4,178 |
| Tier 1 risk-based capital ratio | 26.2563% | 784 |
| Total risk-based capital ratio | 27.5140% | 769 |
| Memoranda: | ||
| Average total assets | $100,213,000 | 4,930 |
| Average earning assets | $92,498,500 | 4,890 |
| Average equity | $10,296,500 | 4,973 |
| Average total loans | $27,338,000 | 6,233 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 6,389 |
| Cost of funding earning assets | 0.7788% | 5,009 |
| Net interest margin | 3.2583% | 5,936 |
| Noninterest income to average assets | 0.5122% | 3,767 |
| Noninterest expense to average assets | 2.7960% | 4,363 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5842% | 4,079 |
| Return on assets (ROA) | 0.9191% | 2,642 |
| Pretax return on assets | 1.1736% | 2,559 |
| Return on Equity (ROE) | 9.3535% | 2,305 |
| Retained earnings to average equity (ytd only) | 4.9316% | 2,691 |
| Net charge-offs to loans | 0.4587% | 3,149 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 5.3926% | 2,808 |
| Efficiency ratio | 78.9778% | 2,454 |
| Assets per employee ($millions) | 3.6015% | 4,766 |
| Cash dividends to net income (ytd only)* | 47.2747% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0921% | 2,024 |
| Loan loss allowance to noncurrent loans | 491.3793% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,341 |
| Noncurrent loans to loans | 0.4258% | 5,856 |
| Net loans and leases to total assets | 27.4321% | 7,078 |
| Net loans and leases to deposits | 31.1711% | 7,110 |
| Net loans and leases to core deposits | 32.1080% | 7,112 |
| Total domestic deposits to total assets | 88.0049% | 2,148 |
| Equity capital to assets | 10.5183% | 3,519 |
| Core capital (leverage) ratio | 9.3713% | 4,223 |
| Tier 1 risk-based capital ratio | 25.1166% | 860 |
| Total risk-based capital ratio | 26.3391% | 849 |
| Memoranda: | ||
| Average total assets | $97,817,000 | 4,955 |
| Average earning assets | $90,905,000 | 4,896 |
| Average equity | $9,611,400 | 5,117 |
| Average total loans | $29,428,600 | 6,184 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0743% | 6,464 |
| Cost of funding earning assets | 0.8055% | 5,113 |
| Net interest margin | 3.2688% | 5,957 |
| Noninterest income to average assets | 0.4532% | 4,273 |
| Noninterest expense to average assets | 2.8228% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5313% | 4,399 |
| Return on assets (ROA) | 0.9119% | 2,828 |
| Pretax return on assets | 1.1610% | 2,779 |
| Return on Equity (ROE) | 9.4458% | 2,411 |
| Retained earnings to average equity (ytd only) | 4.8639% | 3,269 |
| Net charge-offs to loans | 0.6761% | 2,221 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.2829% | 3,506 |
| Efficiency ratio | 80.6063% | 2,171 |
| Assets per employee ($millions) | 3.5634% | 4,842 |
| Cash dividends to net income (ytd only)* | 48.5072% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 2,525 |
| Loan loss allowance to noncurrent loans | 42.6040% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 1.3520% | 4,117 |
| Noncurrent loans to loans | 4.5386% | 1,422 |
| Net loans and leases to total assets | 28.1092% | 7,143 |
| Net loans and leases to deposits | 31.8310% | 7,178 |
| Net loans and leases to core deposits | 32.7648% | 7,186 |
| Total domestic deposits to total assets | 88.3077% | 1,868 |
| Equity capital to assets | 10.0737% | 4,245 |
| Core capital (leverage) ratio | 8.9101% | 5,081 |
| Tier 1 risk-based capital ratio | 25.5080% | 872 |
| Total risk-based capital ratio | 26.7615% | 860 |
| Memoranda: | ||
| Average total assets | $97,961,250 | 4,982 |
| Average earning assets | $91,367,750 | 4,915 |
| Average equity | $9,457,250 | 5,188 |
| Average total loans | $29,974,500 | 6,220 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0766% | 6,535 |
| Cost of funding earning assets | 0.8338% | 5,173 |
| Net interest margin | 3.2428% | 6,016 |
| Noninterest income to average assets | 0.4335% | 4,404 |
| Noninterest expense to average assets | 2.8308% | 4,309 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5332% | 4,364 |
| Return on assets (ROA) | 0.7026% | 3,644 |
| Pretax return on assets | 0.8299% | 3,910 |
| Return on Equity (ROE) | 7.3871% | 3,245 |
| Retained earnings to average equity (ytd only) | 2.5272% | 4,682 |
| Net charge-offs to loans | 0.9792% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.0604% | 3,826 |
| Efficiency ratio | 81.7804% | 2,134 |
| Assets per employee ($millions) | 3.6576% | 4,544 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9080% | 2,643 |
| Loan loss allowance to noncurrent loans | 40.5543% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 1.3924% | 4,139 |
| Noncurrent loans to loans | 4.7049% | 1,398 |
| Net loans and leases to total assets | 27.9108% | 7,243 |
| Net loans and leases to deposits | 31.3521% | 7,286 |
| Net loans and leases to core deposits | 32.2367% | 7,295 |
| Total domestic deposits to total assets | 89.0237% | 1,517 |
| Equity capital to assets | 9.4315% | 4,924 |
| Core capital (leverage) ratio | 8.9874% | 4,744 |
| Tier 1 risk-based capital ratio | 24.0826% | 996 |
| Total risk-based capital ratio | 25.3348% | 979 |
| Memoranda: | ||
| Average total assets | $97,356,670 | 5,038 |
| Average earning assets | $90,909,000 | 4,970 |
| Average equity | $9,259,330 | 5,251 |
| Average total loans | $30,433,000 | 6,258 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 6,276 |
| Cost of funding earning assets | 0.8695% | 5,140 |
| Net interest margin | 3.3332% | 5,662 |
| Noninterest income to average assets | 0.3881% | 4,807 |
| Noninterest expense to average assets | 2.9653% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4520% | 4,709 |
| Return on assets (ROA) | 0.6707% | 3,727 |
| Pretax return on assets | 0.7846% | 3,955 |
| Return on Equity (ROE) | 7.0203% | 3,369 |
| Retained earnings to average equity (ytd only) | 0.3974% | 5,656 |
| Net charge-offs to loans | 1.7246% | 764 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.9328% | 3,954 |
| Efficiency ratio | 84.9034% | 1,854 |
| Assets per employee ($millions) | 3.3108% | 5,449 |
| Cash dividends to net income (ytd only)* | 94.3396% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 2,826 |
| Loan loss allowance to noncurrent loans | 39.5429% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 1.5612% | 3,906 |
| Noncurrent loans to loans | 4.7033% | 1,472 |
| Net loans and leases to total assets | 31.3819% | 7,189 |
| Net loans and leases to deposits | 35.2475% | 7,242 |
| Net loans and leases to core deposits | 36.3063% | 7,254 |
| Total domestic deposits to total assets | 89.0328% | 1,753 |
| Equity capital to assets | 9.4944% | 4,446 |
| Core capital (leverage) ratio | 9.3369% | 4,073 |
| Tier 1 risk-based capital ratio | 23.0257% | 1,077 |
| Total risk-based capital ratio | 24.2795% | 1,064 |
| Memoranda: | ||
| Average total assets | $94,829,000 | 5,143 |
| Average earning assets | $88,324,500 | 5,082 |
| Average equity | $9,059,500 | 5,306 |
| Average total loans | $31,079,500 | 6,286 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 6,338 |
| Cost of funding earning assets | 1.0161% | 5,608 |
| Net interest margin | 3.5039% | 5,237 |
| Noninterest income to average assets | 0.4604% | 4,439 |
| Noninterest expense to average assets | 3.0451% | 3,673 |
| Loan and lease loss provision to assets | 0.5356% | 3,011 |
| Net operating income to assets | 0.1852% | 5,319 |
| Return on assets (ROA) | 0.4011% | 4,671 |
| Pretax return on assets | 0.3440% | 5,103 |
| Return on Equity (ROE) | 4.0216% | 4,511 |
| Retained earnings to average equity (ytd only) | -0.4881% | 5,705 |
| Net charge-offs to loans | 0.8550% | 2,497 |
| Credit loss provision to net charge-offs | 175.0865% | 1,908 |
| Earnings coverage of net charge-offs (x) | 2.1696% | 4,091 |
| Efficiency ratio | 82.1062% | 2,150 |
| Assets per employee ($millions) | 3.3444% | 5,323 |
| Cash dividends to net income (ytd only)* | 112.1372% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2412% | 1,790 |
| Loan loss allowance to noncurrent loans | 45.6311% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 1.7332% | 3,702 |
| Noncurrent loans to loans | 4.9115% | 1,386 |
| Net loans and leases to total assets | 32.8393% | 7,261 |
| Net loans and leases to deposits | 36.9571% | 7,328 |
| Net loans and leases to core deposits | 37.9177% | 7,351 |
| Total domestic deposits to total assets | 88.8578% | 1,739 |
| Equity capital to assets | 9.6141% | 4,257 |
| Core capital (leverage) ratio | 9.4250% | 3,809 |
| Tier 1 risk-based capital ratio | 22.2236% | 1,142 |
| Total risk-based capital ratio | 23.4810% | 1,118 |
| Memoranda: | ||
| Average total assets | $94,479,800 | 5,143 |
| Average earning assets | $87,589,000 | 5,095 |
| Average equity | $9,424,000 | 5,290 |
| Average total loans | $33,801,800 | 6,217 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5965% | 6,341 |
| Cost of funding earning assets | 1.0431% | 5,728 |
| Net interest margin | 3.5534% | 5,093 |
| Noninterest income to average assets | 0.4309% | 4,711 |
| Noninterest expense to average assets | 3.1076% | 3,303 |
| Loan and lease loss provision to assets | 0.7125% | 2,144 |
| Net operating income to assets | 0.0239% | 5,946 |
| Return on assets (ROA) | 0.3112% | 5,293 |
| Pretax return on assets | 0.1887% | 5,756 |
| Return on Equity (ROE) | 3.0922% | 5,185 |
| Retained earnings to average equity (ytd only) | -2.5045% | 6,285 |
| Net charge-offs to loans | 1.0313% | 1,956 |
| Credit loss provision to net charge-offs | 190.2256% | 1,894 |
| Earnings coverage of net charge-offs (x) | 1.6391% | 4,479 |
| Efficiency ratio | 83.5036% | 1,889 |
| Assets per employee ($millions) | 3.3129% | 5,423 |
| Cash dividends to net income (ytd only)* | 180.9950% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1547% | 1,879 |
| Loan loss allowance to noncurrent loans | 206.8182% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 6,201 |
| Noncurrent loans to loans | 1.0418% | 5,164 |
| Net loans and leases to total assets | 35.6393% | 7,276 |
| Net loans and leases to deposits | 40.5786% | 7,354 |
| Net loans and leases to core deposits | 42.0555% | 7,375 |
| Total domestic deposits to total assets | 87.8277% | 2,071 |
| Equity capital to assets | 10.3148% | 3,742 |
| Core capital (leverage) ratio | 8.8968% | 4,854 |
| Tier 1 risk-based capital ratio | 20.6505% | 1,417 |
| Total risk-based capital ratio | 21.9068% | 1,399 |
| Memoranda: | ||
| Average total assets | $94,688,750 | 5,202 |
| Average earning assets | $87,687,500 | 5,153 |
| Average equity | $9,529,250 | 5,334 |
| Average total loans | $34,388,000 | 6,273 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 6,505 |
| Cost of funding earning assets | 1.0565% | 5,893 |
| Net interest margin | 3.5277% | 5,131 |
| Noninterest income to average assets | 0.5413% | 3,780 |
| Noninterest expense to average assets | 3.0168% | 3,645 |
| Loan and lease loss provision to assets | 0.0504% | 6,465 |
| Net operating income to assets | 0.5941% | 3,903 |
| Return on assets (ROA) | 0.7217% | 3,460 |
| Pretax return on assets | 0.8979% | 3,500 |
| Return on Equity (ROE) | 7.2297% | 3,203 |
| Retained earnings to average equity (ytd only) | 1.9756% | 4,876 |
| Net charge-offs to loans | 0.3122% | 3,759 |
| Credit loss provision to net charge-offs | 44.4444% | 5,531 |
| Earnings coverage of net charge-offs (x) | 6.9630% | 2,379 |
| Efficiency ratio | 79.2723% | 2,533 |
| Assets per employee ($millions) | 3.2774% | 5,487 |
| Cash dividends to net income (ytd only)* | 72.6744% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,676 |
| Loan loss allowance to noncurrent loans | 217.0616% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 6,474 |
| Noncurrent loans to loans | 0.6225% | 6,002 |
| Net loans and leases to total assets | 34.0107% | 7,420 |
| Net loans and leases to deposits | 38.2416% | 7,489 |
| Net loans and leases to core deposits | 39.5300% | 7,494 |
| Total domestic deposits to total assets | 88.9364% | 1,476 |
| Equity capital to assets | 9.7669% | 4,317 |
| Core capital (leverage) ratio | 9.2814% | 4,155 |
| Tier 1 risk-based capital ratio | 19.9245% | 1,530 |
| Total risk-based capital ratio | 20.9532% | 1,540 |
| Memoranda: | ||
| Average total assets | $95,331,670 | 5,210 |
| Average earning assets | $88,215,670 | 5,164 |
| Average equity | $9,516,330 | 5,335 |
| Average total loans | $34,588,330 | 6,307 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7671% | 6,010 |
| Cost of funding earning assets | 1.0773% | 6,009 |
| Net interest margin | 3.6897% | 4,299 |
| Noninterest income to average assets | 0.5456% | 3,681 |
| Noninterest expense to average assets | 3.2141% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5691% | 4,035 |
| Return on assets (ROA) | 0.8184% | 2,978 |
| Pretax return on assets | 1.0529% | 2,898 |
| Return on Equity (ROE) | 8.1073% | 2,832 |
| Retained earnings to average equity (ytd only) | 2.8291% | 4,439 |
| Net charge-offs to loans | 0.4924% | 2,587 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,724 |
| Efficiency ratio | 81.4255% | 2,362 |
| Assets per employee ($millions) | 3.2701% | 5,609 |
| Cash dividends to net income (ytd only)* | 65.1042% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 4,975 |
| Loan loss allowance to noncurrent loans | 132.0475% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 5,962 |
| Noncurrent loans to loans | 0.9791% | 5,370 |
| Net loans and leases to total assets | 35.8268% | 7,428 |
| Net loans and leases to deposits | 40.4601% | 7,506 |
| Net loans and leases to core deposits | 41.8759% | 7,529 |
| Total domestic deposits to total assets | 88.5484% | 1,760 |
| Equity capital to assets | 10.0628% | 3,785 |
| Core capital (leverage) ratio | 9.4673% | 3,823 |
| Tier 1 risk-based capital ratio | 19.7830% | 1,563 |
| Total risk-based capital ratio | 20.7784% | 1,581 |
| Memoranda: | ||
| Average total assets | $93,836,500 | 5,323 |
| Average earning assets | $86,510,500 | 5,291 |
| Average equity | $9,473,000 | 5,397 |
| Average total loans | $34,933,500 | 6,373 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 5,912 |
| Cost of funding earning assets | 1.2336% | 6,531 |
| Net interest margin | 3.9086% | 3,234 |
| Noninterest income to average assets | 0.5407% | 4,104 |
| Noninterest expense to average assets | 3.4710% | 2,451 |
| Loan and lease loss provision to assets | 0.3708% | 4,562 |
| Net operating income to assets | 0.2868% | 4,585 |
| Return on assets (ROA) | 0.5510% | 3,610 |
| Pretax return on assets | 0.5830% | 3,954 |
| Return on Equity (ROE) | 6.1465% | 3,155 |
| Retained earnings to average equity (ytd only) | 1.2638% | 4,156 |
| Net charge-offs to loans | 1.1604% | 2,108 |
| Credit loss provision to net charge-offs | 76.9231% | 6,359 |
| Earnings coverage of net charge-offs (x) | 1.4017% | 4,729 |
| Efficiency ratio | 83.7059% | 2,387 |
| Assets per employee ($millions) | 3.2013% | 5,717 |
| Cash dividends to net income (ytd only)* | 79.4393% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 4,359 |
| Loan loss allowance to noncurrent loans | 155.9105% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 5,799 |
| Noncurrent loans to loans | 0.8830% | 5,539 |
| Net loans and leases to total assets | 37.6544% | 7,457 |
| Net loans and leases to deposits | 42.6603% | 7,549 |
| Net loans and leases to core deposits | 47.3166% | 7,642 |
| Total domestic deposits to total assets | 88.2657% | 1,846 |
| Equity capital to assets | 10.1283% | 3,591 |
| Core capital (leverage) ratio | 9.3034% | 3,969 |
| Tier 1 risk-based capital ratio | 19.3402% | 1,584 |
| Total risk-based capital ratio | 20.4156% | 1,584 |
| Memoranda: | ||
| Average total assets | $97,090,800 | 5,166 |
| Average earning assets | $89,572,200 | 5,135 |
| Average equity | $8,704,200 | 5,700 |
| Average total loans | $40,330,800 | 6,089 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1721% | 6,000 |
| Cost of funding earning assets | 1.2530% | 6,706 |
| Net interest margin | 3.9192% | 3,161 |
| Noninterest income to average assets | 0.5406% | 4,154 |
| Noninterest expense to average assets | 3.3579% | 2,695 |
| Loan and lease loss provision to assets | 0.4347% | 3,731 |
| Net operating income to assets | 0.3803% | 4,478 |
| Return on assets (ROA) | 0.4659% | 4,234 |
| Pretax return on assets | 0.4537% | 4,655 |
| Return on Equity (ROE) | 5.3616% | 3,806 |
| Retained earnings to average equity (ytd only) | 0.2814% | 5,079 |
| Net charge-offs to loans | 1.3926% | 1,479 |
| Credit loss provision to net charge-offs | 73.7327% | 5,908 |
| Earnings coverage of net charge-offs (x) | 1.3618% | 4,764 |
| Efficiency ratio | 80.7052% | 2,745 |
| Assets per employee ($millions) | 3.2009% | 5,645 |
| Cash dividends to net income (ytd only)* | 94.7520% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 4,666 |
| Loan loss allowance to noncurrent loans | 174.0072% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6207% | 5,898 |
| Noncurrent loans to loans | 0.7315% | 5,847 |
| Net loans and leases to total assets | 38.9332% | 7,509 |
| Net loans and leases to deposits | 43.5521% | 7,634 |
| Net loans and leases to core deposits | 47.8700% | 7,734 |
| Total domestic deposits to total assets | 89.3945% | 1,019 |
| Equity capital to assets | 9.4360% | 4,827 |
| Core capital (leverage) ratio | 8.1802% | 6,054 |
| Tier 1 risk-based capital ratio | 17.1990% | 2,215 |
| Total risk-based capital ratio | 18.2288% | 2,231 |
| Memoranda: | ||
| Average total assets | $98,153,750 | 5,170 |
| Average earning assets | $90,663,000 | 5,140 |
| Average equity | $8,529,500 | 5,814 |
| Average total loans | $41,552,000 | 6,084 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2163% | 6,020 |
| Cost of funding earning assets | 1.2626% | 6,917 |
| Net interest margin | 3.9536% | 2,878 |
| Noninterest income to average assets | 0.5179% | 4,285 |
| Noninterest expense to average assets | 3.2206% | 3,269 |
| Loan and lease loss provision to assets | 0.5685% | 2,744 |
| Net operating income to assets | 0.4086% | 4,481 |
| Return on assets (ROA) | 0.5300% | 4,094 |
| Pretax return on assets | 0.5179% | 4,560 |
| Return on Equity (ROE) | 6.2737% | 3,529 |
| Retained earnings to average equity (ytd only) | -1.5086% | 5,616 |
| Net charge-offs to loans | 1.7251% | 1,100 |
| Credit loss provision to net charge-offs | 76.1518% | 5,300 |
| Earnings coverage of net charge-offs (x) | 1.2927% | 4,554 |
| Efficiency ratio | 76.9454% | 3,517 |
| Assets per employee ($millions) | 3.1720% | 5,652 |
| Cash dividends to net income (ytd only)* | 124.0458% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 4,736 |
| Loan loss allowance to noncurrent loans | 142.6966% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 5,907 |
| Noncurrent loans to loans | 0.8628% | 5,491 |
| Net loans and leases to total assets | 41.4443% | 7,478 |
| Net loans and leases to deposits | 45.6831% | 7,647 |
| Net loans and leases to core deposits | 50.4725% | 7,754 |
| Total domestic deposits to total assets | 90.7212% | 548 |
| Equity capital to assets | 8.3971% | 6,198 |
| Core capital (leverage) ratio | 8.1005% | 6,167 |
| Tier 1 risk-based capital ratio | 16.2589% | 2,534 |
| Total risk-based capital ratio | 17.2955% | 2,554 |
| Memoranda: | ||
| Average total assets | $98,863,000 | 5,189 |
| Average earning assets | $91,713,330 | 5,136 |
| Average equity | $8,352,330 | 5,900 |
| Average total loans | $42,780,000 | 6,074 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3424% | 5,696 |
| Cost of funding earning assets | 1.2974% | 7,019 |
| Net interest margin | 4.0450% | 2,469 |
| Noninterest income to average assets | 0.5084% | 4,245 |
| Noninterest expense to average assets | 3.1595% | 3,153 |
| Loan and lease loss provision to assets | 0.6618% | 1,910 |
| Net operating income to assets | 0.3575% | 5,033 |
| Return on assets (ROA) | 0.5609% | 4,364 |
| Pretax return on assets | 0.6658% | 4,542 |
| Return on Equity (ROE) | 6.6190% | 3,767 |
| Retained earnings to average equity (ytd only) | -2.9048% | 6,258 |
| Net charge-offs to loans | 1.8282% | 792 |
| Credit loss provision to net charge-offs | 82.4121% | 4,155 |
| Earnings coverage of net charge-offs (x) | 1.3518% | 4,061 |
| Efficiency ratio | 74.4297% | 3,747 |
| Assets per employee ($millions) | 3.1888% | 5,627 |
| Cash dividends to net income (ytd only)* | 143.8849% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 4,095 |
| Loan loss allowance to noncurrent loans | 85.1290% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 5,287 |
| Noncurrent loans to loans | 1.5244% | 3,997 |
| Net loans and leases to total assets | 43.1655% | 7,401 |
| Net loans and leases to deposits | 47.7005% | 7,590 |
| Net loans and leases to core deposits | 52.4285% | 7,720 |
| Total domestic deposits to total assets | 90.4929% | 592 |
| Equity capital to assets | 8.5077% | 6,060 |
| Core capital (leverage) ratio | 7.9966% | 6,449 |
| Tier 1 risk-based capital ratio | 15.7488% | 2,770 |
| Total risk-based capital ratio | 16.8574% | 2,750 |
| Memoranda: | ||
| Average total assets | $99,128,500 | 5,202 |
| Average earning assets | $91,569,000 | 5,164 |
| Average equity | $8,400,000 | 5,920 |
| Average total loans | $43,539,500 | 6,072 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1307% | 4,894 |
| Cost of funding earning assets | 2.0207% | 6,346 |
| Net interest margin | 4.1101% | 2,665 |
| Noninterest income to average assets | 0.6000% | 3,843 |
| Noninterest expense to average assets | 2.9492% | 4,259 |
| Loan and lease loss provision to assets | 0.4900% | 2,855 |
| Net operating income to assets | 0.8020% | 3,428 |
| Return on assets (ROA) | 0.8191% | 3,194 |
| Pretax return on assets | 1.0061% | 3,364 |
| Return on Equity (ROE) | 10.6413% | 2,030 |
| Retained earnings to average equity (ytd only) | 6.0938% | 1,486 |
| Net charge-offs to loans | 0.3028% | 3,377 |
| Credit loss provision to net charge-offs | 347.5177% | 1,298 |
| Earnings coverage of net charge-offs (x) | 10.4610% | 2,509 |
| Efficiency ratio | 66.6591% | 4,990 |
| Assets per employee ($millions) | 3.4278% | 4,861 |
| Cash dividends to net income (ytd only)* | 42.7350% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 3,427 |
| Loan loss allowance to noncurrent loans | 73.3087% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 0.9004% | 4,591 |
| Noncurrent loans to loans | 1.8541% | 2,979 |
| Net loans and leases to total assets | 43.5109% | 7,501 |
| Net loans and leases to deposits | 48.3225% | 7,699 |
| Net loans and leases to core deposits | 54.0184% | 7,802 |
| Total domestic deposits to total assets | 90.0428% | 636 |
| Equity capital to assets | 8.4402% | 6,185 |
| Core capital (leverage) ratio | 8.4069% | 5,746 |
| Tier 1 risk-based capital ratio | 15.6431% | 2,800 |
| Total risk-based capital ratio | 16.8040% | 2,759 |
| Memoranda: | ||
| Average total assets | $99,993,600 | 5,045 |
| Average earning assets | $93,039,200 | 5,000 |
| Average equity | $7,696,400 | 6,213 |
| Average total loans | $46,564,200 | 5,845 |