Home > Country Bank > Performance and Condition Ratios
Country Bank, Performance and Condition Ratios
| 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 | 4.2401% | 6,111 |
| Cost of funding earning assets | 1.7921% | 268 |
| Net interest margin | 2.4480% | 7,158 |
| Noninterest income to average assets | 0.1621% | 6,438 |
| Noninterest expense to average assets | 2.4907% | 5,497 |
| Loan and lease loss provision to assets | 9.1347% | 3 |
| Net operating income to assets | -9.2219% | 7,424 |
| Return on assets (ROA) | -8.6915% | 7,423 |
| Pretax return on assets | -8.6915% | 7,424 |
| Return on Equity (ROE) | -992.8289% | 7,436 |
| Retained earnings to average equity (ytd only) | -992.8289% | 7,436 |
| Net charge-offs to loans | 6.7545% | 44 |
| Credit loss provision to net charge-offs | 172.0883% | 1,745 |
| Earnings coverage of net charge-offs (x) | -0.0164% | 5,613 |
| Efficiency ratio | 103.6261% | 561 |
| Assets per employee ($millions) | 6.5011% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 16.5664% | 4 |
| Loan loss allowance to noncurrent loans | 36.5951% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 33.5870% | 6 |
| Noncurrent loans to loans | 45.2694% | 3 |
| Net loans and leases to total assets | 61.0140% | 3,938 |
| Net loans and leases to deposits | 65.8047% | 4,934 |
| Net loans and leases to core deposits | 84.3814% | 3,007 |
| Total domestic deposits to total assets | 92.7197% | 148 |
| Equity capital to assets | -3.3753% | 7,436 |
| Core capital (leverage) ratio | -3.2345% | 7,436 |
| Tier 1 risk-based capital ratio | -4.6524% | 7,436 |
| Total risk-based capital ratio | -4.6524% | 7,436 |
| Memoranda: | ||
| Average total assets | $195,819,000 | 3,121 |
| Average earning assets | $179,301,250 | 3,121 |
| Average equity | $1,714,250 | 7,325 |
| Average total loans | $153,888,500 | 2,609 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 5,996 |
| Cost of funding earning assets | 1.7678% | 357 |
| Net interest margin | 2.5410% | 7,162 |
| Noninterest income to average assets | 0.1561% | 6,538 |
| Noninterest expense to average assets | 1.7370% | 7,145 |
| Loan and lease loss provision to assets | 6.2127% | 25 |
| Net operating income to assets | -5.4274% | 7,451 |
| Return on assets (ROA) | -4.6328% | 7,429 |
| Pretax return on assets | -4.6328% | 7,423 |
| Return on Equity (ROE) | -202.7679% | 7,488 |
| Retained earnings to average equity (ytd only) | -202.7679% | 7,488 |
| Net charge-offs to loans | 9.5291% | 22 |
| Credit loss provision to net charge-offs | 81.0944% | 3,734 |
| Earnings coverage of net charge-offs (x) | 0.1025% | 5,215 |
| Efficiency ratio | 68.8637% | 4,350 |
| Assets per employee ($millions) | 5.9563% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.0967% | 13 |
| Loan loss allowance to noncurrent loans | 25.6011% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 34.2532% | 5 |
| Noncurrent loans to loans | 43.3445% | 3 |
| Net loans and leases to total assets | 69.7258% | 2,279 |
| Net loans and leases to deposits | 79.3563% | 2,913 |
| Net loans and leases to core deposits | 104.5026% | 1,014 |
| Total domestic deposits to total assets | 87.8642% | 2,232 |
| Equity capital to assets | 0.6301% | 7,503 |
| Core capital (leverage) ratio | 0.5741% | 7,501 |
| Tier 1 risk-based capital ratio | 0.7931% | 7,501 |
| Total risk-based capital ratio | 1.5862% | 7,501 |
| Memoranda: | ||
| Average total assets | $196,080,670 | 3,134 |
| Average earning assets | $182,604,670 | 3,093 |
| Average equity | $4,480,000 | 6,685 |
| Average total loans | $157,642,670 | 2,571 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3976% | 1,564 |
| Cost of funding earning assets | 1.7647% | 429 |
| Net interest margin | 3.6330% | 4,410 |
| Noninterest income to average assets | 0.1489% | 6,658 |
| Noninterest expense to average assets | 2.3277% | 6,118 |
| Loan and lease loss provision to assets | 0.9053% | 886 |
| Net operating income to assets | 0.2326% | 5,671 |
| Return on assets (ROA) | 0.4366% | 4,857 |
| Pretax return on assets | 0.5613% | 4,826 |
| Return on Equity (ROE) | 14.1842% | 953 |
| Retained earnings to average equity (ytd only) | 14.1842% | 460 |
| Net charge-offs to loans | 0.0198% | 4,797 |
| Credit loss provision to net charge-offs | 5,625.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 74.8750% | 415 |
| Efficiency ratio | 65.8884% | 5,049 |
| Assets per employee ($millions) | 5.5139% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.4030% | 14 |
| Loan loss allowance to noncurrent loans | 48.5756% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 19.3787% | 73 |
| Noncurrent loans to loans | 23.4747% | 44 |
| Net loans and leases to total assets | 72.2163% | 1,675 |
| Net loans and leases to deposits | 84.7067% | 1,929 |
| Net loans and leases to core deposits | 114.8454% | 572 |
| Total domestic deposits to total assets | 85.2545% | 3,917 |
| Equity capital to assets | 3.1677% | 7,481 |
| Core capital (leverage) ratio | 2.8072% | 7,489 |
| Tier 1 risk-based capital ratio | 3.6723% | 7,499 |
| Total risk-based capital ratio | 5.0471% | 7,497 |
| Memoranda: | ||
| Average total assets | $198,820,500 | 3,130 |
| Average earning assets | $185,192,500 | 3,078 |
| Average equity | $6,119,500 | 6,205 |
| Average total loans | $161,721,000 | 2,537 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7114% | 1,530 |
| Cost of funding earning assets | 1.7772% | 1,269 |
| Net interest margin | 3.9342% | 3,324 |
| Noninterest income to average assets | 0.0602% | 7,060 |
| Noninterest expense to average assets | 2.0958% | 6,856 |
| Loan and lease loss provision to assets | 9.7117% | 7 |
| Net operating income to assets | -7.8653% | 7,616 |
| Return on assets (ROA) | -7.8412% | 7,617 |
| Pretax return on assets | -8.0341% | 7,623 |
| Return on Equity (ROE) | -82.7810% | 7,559 |
| Retained earnings to average equity (ytd only) | -85.5092% | 7,566 |
| Net charge-offs to loans | 2.9072% | 585 |
| Credit loss provision to net charge-offs | 431.9275% | 542 |
| Earnings coverage of net charge-offs (x) | 0.7351% | 5,382 |
| Efficiency ratio | 55.9069% | 6,608 |
| Assets per employee ($millions) | 5.3822% | 1,689 |
| Cash dividends to net income (ytd only)* | -3.2956% | 7,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.1407% | 16 |
| Loan loss allowance to noncurrent loans | 54.4196% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 16.7475% | 123 |
| Noncurrent loans to loans | 20.4718% | 66 |
| Net loans and leases to total assets | 72.1271% | 2,075 |
| Net loans and leases to deposits | 83.7628% | 2,491 |
| Net loans and leases to core deposits | 113.1832% | 765 |
| Total domestic deposits to total assets | 86.1088% | 3,303 |
| Equity capital to assets | 2.9883% | 7,564 |
| Core capital (leverage) ratio | 2.6006% | 7,581 |
| Tier 1 risk-based capital ratio | 3.5390% | 7,585 |
| Total risk-based capital ratio | 4.9110% | 7,583 |
| Memoranda: | ||
| Average total assets | $210,899,800 | 2,972 |
| Average earning assets | $197,728,000 | 2,908 |
| Average equity | $19,976,800 | 3,148 |
| Average total loans | $163,111,000 | 2,572 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1079% | 750 |
| Cost of funding earning assets | 1.7675% | 1,558 |
| Net interest margin | 4.3404% | 1,713 |
| Noninterest income to average assets | 0.0904% | 7,087 |
| Noninterest expense to average assets | 2.0276% | 6,999 |
| Loan and lease loss provision to assets | 0.5736% | 2,644 |
| Net operating income to assets | 1.0323% | 2,134 |
| Return on assets (ROA) | 1.0537% | 2,166 |
| Pretax return on assets | 1.5974% | 1,353 |
| Return on Equity (ROE) | 9.5953% | 2,292 |
| Retained earnings to average equity (ytd only) | 7.6365% | 1,543 |
| Net charge-offs to loans | 0.0905% | 5,618 |
| Credit loss provision to net charge-offs | 828.8288% | 361 |
| Earnings coverage of net charge-offs (x) | 30.9001% | 866 |
| Efficiency ratio | 48.6681% | 7,229 |
| Assets per employee ($millions) | 5.9859% | 1,252 |
| Cash dividends to net income (ytd only)* | 20.4142% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 2,651 |
| Loan loss allowance to noncurrent loans | 56.1291% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 2.6309% | 2,752 |
| Noncurrent loans to loans | 3.2845% | 2,411 |
| Net loans and leases to total assets | 73.9691% | 1,811 |
| Net loans and leases to deposits | 95.6129% | 1,034 |
| Net loans and leases to core deposits | 131.2866% | 362 |
| Total domestic deposits to total assets | 77.3631% | 6,403 |
| Equity capital to assets | 11.2300% | 2,751 |
| Core capital (leverage) ratio | 11.0876% | 2,198 |
| Tier 1 risk-based capital ratio | 13.2082% | 4,418 |
| Total risk-based capital ratio | 14.4637% | 4,386 |
| Memoranda: | ||
| Average total assets | $213,839,750 | 2,992 |
| Average earning assets | $200,804,500 | 2,906 |
| Average equity | $23,483,250 | 2,752 |
| Average total loans | $163,478,250 | 2,609 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0895% | 774 |
| Cost of funding earning assets | 1.7989% | 1,645 |
| Net interest margin | 4.2906% | 1,813 |
| Noninterest income to average assets | 0.0890% | 7,134 |
| Noninterest expense to average assets | 2.0143% | 7,085 |
| Loan and lease loss provision to assets | 0.3408% | 3,695 |
| Net operating income to assets | 1.1720% | 1,641 |
| Return on assets (ROA) | 1.2050% | 1,618 |
| Pretax return on assets | 1.8108% | 870 |
| Return on Equity (ROE) | 11.0598% | 1,733 |
| Retained earnings to average equity (ytd only) | 9.0181% | 1,101 |
| Net charge-offs to loans | 0.1306% | 4,900 |
| Credit loss provision to net charge-offs | 339.6226% | 1,073 |
| Earnings coverage of net charge-offs (x) | 20.9528% | 1,188 |
| Efficiency ratio | 48.9308% | 7,294 |
| Assets per employee ($millions) | 5.8617% | 1,329 |
| Cash dividends to net income (ytd only)* | 18.4603% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 3,528 |
| Loan loss allowance to noncurrent loans | 315.2500% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 6,114 |
| Noncurrent loans to loans | 0.5016% | 6,247 |
| Net loans and leases to total assets | 74.3778% | 1,836 |
| Net loans and leases to deposits | 96.1851% | 1,031 |
| Net loans and leases to core deposits | 128.2612% | 456 |
| Total domestic deposits to total assets | 77.3277% | 6,426 |
| Equity capital to assets | 11.5871% | 2,369 |
| Core capital (leverage) ratio | 11.2892% | 2,039 |
| Tier 1 risk-based capital ratio | 13.3723% | 4,153 |
| Total risk-based capital ratio | 14.6239% | 4,117 |
| Memoranda: | ||
| Average total assets | $211,293,330 | 3,038 |
| Average earning assets | $198,342,000 | 2,973 |
| Average equity | $23,020,330 | 2,799 |
| Average total loans | $162,336,670 | 2,660 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0873% | 797 |
| Cost of funding earning assets | 1.7948% | 1,899 |
| Net interest margin | 4.2925% | 1,710 |
| Noninterest income to average assets | 0.1003% | 7,207 |
| Noninterest expense to average assets | 2.0167% | 7,132 |
| Loan and lease loss provision to assets | 0.3405% | 3,343 |
| Net operating income to assets | 1.1767% | 1,600 |
| Return on assets (ROA) | 1.1767% | 1,681 |
| Pretax return on assets | 1.7746% | 930 |
| Return on Equity (ROE) | 11.1544% | 1,737 |
| Retained earnings to average equity (ytd only) | 9.8095% | 1,185 |
| Net charge-offs to loans | 0.1172% | 4,272 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 23.2917% | 1,058 |
| Efficiency ratio | 48.8095% | 7,388 |
| Assets per employee ($millions) | 6.4314% | 1,034 |
| Cash dividends to net income (ytd only)* | 12.0579% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 4,147 |
| Loan loss allowance to noncurrent loans | 298.8792% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 5,833 |
| Noncurrent loans to loans | 0.4870% | 6,326 |
| Net loans and leases to total assets | 76.5568% | 1,424 |
| Net loans and leases to deposits | 99.1149% | 815 |
| Net loans and leases to core deposits | 132.5056% | 429 |
| Total domestic deposits to total assets | 77.2404% | 6,507 |
| Equity capital to assets | 10.9783% | 2,786 |
| Core capital (leverage) ratio | 10.7746% | 2,387 |
| Tier 1 risk-based capital ratio | 12.6154% | 4,630 |
| Total risk-based capital ratio | 13.8666% | 4,592 |
| Memoranda: | ||
| Average total assets | $211,430,000 | 3,090 |
| Average earning assets | $198,578,500 | 3,020 |
| Average equity | $22,305,000 | 2,907 |
| Average total loans | $163,768,000 | 2,704 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5322% | 624 |
| Cost of funding earning assets | 2.0783% | 2,581 |
| Net interest margin | 4.4539% | 1,284 |
| Noninterest income to average assets | 0.0959% | 7,290 |
| Noninterest expense to average assets | 2.0888% | 7,206 |
| Loan and lease loss provision to assets | 0.6532% | 3,197 |
| Net operating income to assets | 1.0375% | 1,713 |
| Return on assets (ROA) | 1.0678% | 1,646 |
| Pretax return on assets | 1.5820% | 997 |
| Return on Equity (ROE) | 11.6651% | 1,245 |
| Retained earnings to average equity (ytd only) | 9.7660% | 393 |
| Net charge-offs to loans | 0.1699% | 5,584 |
| Credit loss provision to net charge-offs | 506.1224% | 608 |
| Earnings coverage of net charge-offs (x) | 16.9673% | 1,221 |
| Efficiency ratio | 48.8180% | 7,596 |
| Assets per employee ($millions) | 6.1948% | 1,136 |
| Cash dividends to net income (ytd only)* | 16.2802% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 4,263 |
| Loan loss allowance to noncurrent loans | 306.9012% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6466% | 5,847 |
| Noncurrent loans to loans | 0.4543% | 6,360 |
| Net loans and leases to total assets | 76.1485% | 1,752 |
| Net loans and leases to deposits | 100.5007% | 861 |
| Net loans and leases to core deposits | 123.8146% | 1,649 |
| Total domestic deposits to total assets | 75.7691% | 6,728 |
| Equity capital to assets | 10.1176% | 3,601 |
| Core capital (leverage) ratio | 9.9020% | 3,191 |
| Tier 1 risk-based capital ratio | 11.6616% | 5,239 |
| Total risk-based capital ratio | 12.9119% | 5,192 |
| Memoranda: | ||
| Average total assets | $189,824,200 | 3,290 |
| Average earning assets | $178,269,800 | 3,234 |
| Average equity | $17,376,600 | 3,599 |
| Average total loans | $144,223,800 | 3,016 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4744% | 796 |
| Cost of funding earning assets | 2.1548% | 2,625 |
| Net interest margin | 4.3196% | 1,680 |
| Noninterest income to average assets | 0.1119% | 7,335 |
| Noninterest expense to average assets | 2.1593% | 7,082 |
| Loan and lease loss provision to assets | 0.7352% | 2,539 |
| Net operating income to assets | 0.8752% | 2,519 |
| Return on assets (ROA) | 0.9135% | 2,440 |
| Pretax return on assets | 1.3324% | 1,869 |
| Return on Equity (ROE) | 10.2885% | 1,820 |
| Retained earnings to average equity (ytd only) | 8.8245% | 883 |
| Net charge-offs to loans | 0.1786% | 4,964 |
| Credit loss provision to net charge-offs | 544.3850% | 722 |
| Earnings coverage of net charge-offs (x) | 14.8982% | 1,567 |
| Efficiency ratio | 51.7659% | 7,431 |
| Assets per employee ($millions) | 5.9971% | 1,217 |
| Cash dividends to net income (ytd only)* | 14.2290% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 4,573 |
| Loan loss allowance to noncurrent loans | 447.6596% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 6,158 |
| Noncurrent loans to loans | 0.2880% | 6,790 |
| Net loans and leases to total assets | 76.7398% | 1,838 |
| Net loans and leases to deposits | 102.4259% | 893 |
| Net loans and leases to core deposits | 130.6820% | 1,390 |
| Total domestic deposits to total assets | 74.9222% | 6,781 |
| Equity capital to assets | 8.9962% | 5,481 |
| Core capital (leverage) ratio | 9.0483% | 4,579 |
| Tier 1 risk-based capital ratio | 10.1859% | 6,794 |
| Total risk-based capital ratio | 11.3669% | 6,810 |
| Memoranda: | ||
| Average total assets | $184,624,250 | 3,392 |
| Average earning assets | $173,500,000 | 3,326 |
| Average equity | $16,393,250 | 3,836 |
| Average total loans | $139,616,000 | 3,126 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1702% | 1,556 |
| Cost of funding earning assets | 2.2750% | 2,466 |
| Net interest margin | 3.8952% | 3,138 |
| Noninterest income to average assets | 0.1589% | 7,137 |
| Noninterest expense to average assets | 2.1532% | 7,165 |
| Loan and lease loss provision to assets | 0.7639% | 2,162 |
| Net operating income to assets | 0.6408% | 3,502 |
| Return on assets (ROA) | 0.7037% | 3,340 |
| Pretax return on assets | 0.9750% | 3,095 |
| Return on Equity (ROE) | 7.9674% | 2,786 |
| Retained earnings to average equity (ytd only) | 6.6181% | 1,734 |
| Net charge-offs to loans | 0.1852% | 4,410 |
| Credit loss provision to net charge-offs | 551.6393% | 841 |
| Earnings coverage of net charge-offs (x) | 11.9262% | 1,862 |
| Efficiency ratio | 56.5931% | 7,040 |
| Assets per employee ($millions) | 5.4997% | 1,579 |
| Cash dividends to net income (ytd only)* | 16.9355% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 4,590 |
| Loan loss allowance to noncurrent loans | 344.1509% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 5,989 |
| Noncurrent loans to loans | 0.3636% | 6,602 |
| Net loans and leases to total assets | 74.7689% | 2,504 |
| Net loans and leases to deposits | 94.1559% | 2,067 |
| Net loans and leases to core deposits | 121.1220% | 2,265 |
| Total domestic deposits to total assets | 79.4097% | 5,683 |
| Equity capital to assets | 9.2597% | 4,927 |
| Core capital (leverage) ratio | 9.5777% | 3,781 |
| Tier 1 risk-based capital ratio | 10.8159% | 6,061 |
| Total risk-based capital ratio | 11.9383% | 6,132 |
| Memoranda: | ||
| Average total assets | $176,199,330 | 3,536 |
| Average earning assets | $164,922,000 | 3,474 |
| Average equity | $15,563,330 | 4,007 |
| Average total loans | $131,761,330 | 3,308 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1639% | 1,713 |
| Cost of funding earning assets | 2.4135% | 2,237 |
| Net interest margin | 3.7504% | 3,652 |
| Noninterest income to average assets | 0.1190% | 7,429 |
| Noninterest expense to average assets | 2.0160% | 7,317 |
| Loan and lease loss provision to assets | 0.5141% | 2,410 |
| Net operating income to assets | 0.7578% | 3,311 |
| Return on assets (ROA) | 0.8711% | 2,982 |
| Pretax return on assets | 1.2496% | 2,453 |
| Return on Equity (ROE) | 10.1434% | 2,266 |
| Retained earnings to average equity (ytd only) | 7.2334% | 2,117 |
| Net charge-offs to loans | 0.2757% | 3,019 |
| Credit loss provision to net charge-offs | 251.1628% | 1,867 |
| Earnings coverage of net charge-offs (x) | 7.8256% | 2,292 |
| Efficiency ratio | 55.7237% | 7,006 |
| Assets per employee ($millions) | 5.0480% | 2,020 |
| Cash dividends to net income (ytd only)* | 28.6885% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 5,529 |
| Loan loss allowance to noncurrent loans | 85.0819% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.3296% | 4,003 |
| Noncurrent loans to loans | 1.2828% | 4,410 |
| Net loans and leases to total assets | 74.0810% | 2,731 |
| Net loans and leases to deposits | 90.4773% | 2,857 |
| Net loans and leases to core deposits | 122.4536% | 2,216 |
| Total domestic deposits to total assets | 81.8780% | 4,599 |
| Equity capital to assets | 8.4897% | 6,085 |
| Core capital (leverage) ratio | 8.5225% | 5,487 |
| Tier 1 risk-based capital ratio | 9.7331% | 7,219 |
| Total risk-based capital ratio | 10.6942% | 7,426 |
| Memoranda: | ||
| Average total assets | $168,054,500 | 3,690 |
| Average earning assets | $156,785,000 | 3,632 |
| Average equity | $14,433,000 | 4,240 |
| Average total loans | $124,769,000 | 3,466 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9350% | 1,293 |
| Cost of funding earning assets | 3.2062% | 1,169 |
| Net interest margin | 3.7288% | 4,333 |
| Noninterest income to average assets | 0.0325% | 7,970 |
| Noninterest expense to average assets | 2.1270% | 7,167 |
| Loan and lease loss provision to assets | 0.2840% | 4,112 |
| Net operating income to assets | 0.7532% | 3,653 |
| Return on assets (ROA) | 0.7829% | 3,354 |
| Pretax return on assets | 1.1081% | 3,001 |
| Return on Equity (ROE) | 9.2911% | 2,535 |
| Retained earnings to average equity (ytd only) | 6.5711% | 1,309 |
| Net charge-offs to loans | 0.0660% | 5,829 |
| Credit loss provision to net charge-offs | 600.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 28.5286% | 1,213 |
| Efficiency ratio | 61.1705% | 6,129 |
| Assets per employee ($millions) | 4.8376% | 2,133 |
| Cash dividends to net income (ytd only)* | 29.2746% | 4,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 5,607 |
| Loan loss allowance to noncurrent loans | 464.5985% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 5,627 |
| Noncurrent loans to loans | 0.2265% | 6,709 |
| Net loans and leases to total assets | 72.7854% | 3,417 |
| Net loans and leases to deposits | 90.6466% | 3,341 |
| Net loans and leases to core deposits | 124.2460% | 2,304 |
| Total domestic deposits to total assets | 80.2958% | 4,911 |
| Equity capital to assets | 8.6911% | 5,818 |
| Core capital (leverage) ratio | 8.8702% | 4,935 |
| Tier 1 risk-based capital ratio | 10.1707% | 6,551 |
| Total risk-based capital ratio | 11.0990% | 6,787 |
| Memoranda: | ||
| Average total assets | $147,908,800 | 3,940 |
| Average earning assets | $136,640,800 | 3,919 |
| Average equity | $12,463,600 | 4,707 |
| Average total loans | $106,107,000 | 3,790 |