Home > Mayflower Co-operative Bank > Performance and Condition Ratios
Mayflower Co-operative Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5982% | 5,443 |
| Cost of funding earning assets | 0.3621% | 5,176 |
| Net interest margin | 3.2362% | 4,871 |
| Noninterest income to average assets | 0.5958% | 3,174 |
| Noninterest expense to average assets | 3.3352% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1658% | 6,002 |
| Return on assets (ROA) | 0.1960% | 6,001 |
| Pretax return on assets | 0.3006% | 5,874 |
| Return on Equity (ROE) | 2.2214% | 5,871 |
| Retained earnings to average equity (ytd only) | 0.5928% | 5,730 |
| Net charge-offs to loans | -0.0058% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9639% | 923 |
| Assets per employee ($millions) | 4.2088% | 3,405 |
| Cash dividends to net income (ytd only)* | 73.3165% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 5,984 |
| Loan loss allowance to noncurrent loans | 108.5049% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 4,744 |
| Noncurrent loans to loans | 0.8549% | 4,111 |
| Net loans and leases to total assets | 53.0310% | 4,748 |
| Net loans and leases to deposits | 58.8225% | 5,101 |
| Net loans and leases to core deposits | 61.8280% | 5,134 |
| Total domestic deposits to total assets | 90.1544% | 914 |
| Equity capital to assets | 9.0120% | 5,171 |
| Core capital (leverage) ratio | 8.8741% | 5,286 |
| Tier 1 risk-based capital ratio | 17.9163% | 2,353 |
| Total risk-based capital ratio | 18.9983% | 2,390 |
| Memoranda: | ||
| Average total assets | $252,413,500 | 2,523 |
| Average earning assets | $233,478,000 | 2,499 |
| Average equity | $22,267,000 | 2,932 |
| Average total loans | $137,545,250 | 2,750 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6575% | 5,267 |
| Cost of funding earning assets | 0.3713% | 5,218 |
| Net interest margin | 3.2863% | 4,635 |
| Noninterest income to average assets | 0.6701% | 2,790 |
| Noninterest expense to average assets | 3.2839% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2631% | 5,735 |
| Return on assets (ROA) | 0.3072% | 5,730 |
| Pretax return on assets | 0.4938% | 5,402 |
| Return on Equity (ROE) | 3.5068% | 5,422 |
| Retained earnings to average equity (ytd only) | 1.3956% | 5,325 |
| Net charge-offs to loans | -0.0072% | 5,703 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5807% | 1,359 |
| Assets per employee ($millions) | 4.0151% | 3,768 |
| Cash dividends to net income (ytd only)* | 60.2041% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 6,156 |
| Loan loss allowance to noncurrent loans | 275.2273% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 5,627 |
| Noncurrent loans to loans | 0.3244% | 5,483 |
| Net loans and leases to total assets | 53.9970% | 4,589 |
| Net loans and leases to deposits | 59.7312% | 5,003 |
| Net loans and leases to core deposits | 63.0493% | 4,996 |
| Total domestic deposits to total assets | 90.3999% | 805 |
| Equity capital to assets | 8.8139% | 5,429 |
| Core capital (leverage) ratio | 8.5975% | 5,561 |
| Tier 1 risk-based capital ratio | 17.3846% | 2,563 |
| Total risk-based capital ratio | 18.4311% | 2,620 |
| Memoranda: | ||
| Average total assets | $255,182,000 | 2,506 |
| Average earning assets | $235,952,330 | 2,490 |
| Average equity | $22,356,330 | 2,948 |
| Average total loans | $139,838,670 | 2,723 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6146% | 5,415 |
| Cost of funding earning assets | 0.3802% | 5,283 |
| Net interest margin | 3.2344% | 4,786 |
| Noninterest income to average assets | 0.6736% | 2,731 |
| Noninterest expense to average assets | 3.0894% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3739% | 5,239 |
| Return on assets (ROA) | 0.4615% | 5,025 |
| Pretax return on assets | 0.7092% | 4,540 |
| Return on Equity (ROE) | 5.2828% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.1023% | 4,419 |
| Net charge-offs to loans | -0.0056% | 5,294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3331% | 1,989 |
| Assets per employee ($millions) | 4.2159% | 3,508 |
| Cash dividends to net income (ytd only)* | 41.2752% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 6,348 |
| Loan loss allowance to noncurrent loans | 270.8520% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 5,895 |
| Noncurrent loans to loans | 0.3173% | 5,608 |
| Net loans and leases to total assets | 53.3091% | 4,515 |
| Net loans and leases to deposits | 58.8698% | 4,927 |
| Net loans and leases to core deposits | 62.3001% | 4,929 |
| Total domestic deposits to total assets | 90.5542% | 739 |
| Equity capital to assets | 8.6378% | 5,874 |
| Core capital (leverage) ratio | 8.5814% | 5,468 |
| Tier 1 risk-based capital ratio | 16.6865% | 2,910 |
| Total risk-based capital ratio | 17.6915% | 2,990 |
| Memoranda: | ||
| Average total assets | $258,305,000 | 2,511 |
| Average earning assets | $238,808,000 | 2,484 |
| Average equity | $22,564,000 | 2,976 |
| Average total loans | $141,943,500 | 2,695 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 5,082 |
| Cost of funding earning assets | 0.4797% | 5,355 |
| Net interest margin | 3.5852% | 4,151 |
| Noninterest income to average assets | 0.7415% | 2,535 |
| Noninterest expense to average assets | 3.1994% | 2,616 |
| Loan and lease loss provision to assets | 0.0473% | 5,241 |
| Net operating income to assets | 0.5142% | 4,623 |
| Return on assets (ROA) | 0.5997% | 4,501 |
| Pretax return on assets | 0.9200% | 3,863 |
| Return on Equity (ROE) | 6.8337% | 3,741 |
| Retained earnings to average equity (ytd only) | 4.6464% | 2,946 |
| Net charge-offs to loans | 0.0601% | 5,092 |
| Credit loss provision to net charge-offs | 146.9136% | 1,853 |
| Earnings coverage of net charge-offs (x) | 25.9630% | 1,117 |
| Efficiency ratio | 76.9549% | 2,598 |
| Assets per employee ($millions) | 4.1165% | 3,706 |
| Cash dividends to net income (ytd only)* | 32.0080% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 6,408 |
| Loan loss allowance to noncurrent loans | 498.3471% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 5,940 |
| Noncurrent loans to loans | 0.1688% | 6,059 |
| Net loans and leases to total assets | 55.6886% | 4,350 |
| Net loans and leases to deposits | 61.6635% | 4,821 |
| Net loans and leases to core deposits | 65.5336% | 4,787 |
| Total domestic deposits to total assets | 90.3104% | 793 |
| Equity capital to assets | 8.8354% | 5,706 |
| Core capital (leverage) ratio | 8.6900% | 5,340 |
| Tier 1 risk-based capital ratio | 16.5802% | 2,846 |
| Total risk-based capital ratio | 17.5814% | 2,936 |
| Memoranda: | ||
| Average total assets | $251,641,800 | 2,515 |
| Average earning assets | $231,169,400 | 2,493 |
| Average equity | $22,081,800 | 2,962 |
| Average total loans | $134,730,200 | 2,794 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 5,088 |
| Cost of funding earning assets | 0.4993% | 5,437 |
| Net interest margin | 3.6279% | 4,113 |
| Noninterest income to average assets | 0.7226% | 2,608 |
| Noninterest expense to average assets | 3.2111% | 2,529 |
| Loan and lease loss provision to assets | 0.0580% | 5,007 |
| Net operating income to assets | 0.5174% | 4,777 |
| Return on assets (ROA) | 0.5854% | 4,734 |
| Pretax return on assets | 0.8869% | 4,167 |
| Return on Equity (ROE) | 6.6833% | 3,969 |
| Retained earnings to average equity (ytd only) | 4.0792% | 4,021 |
| Net charge-offs to loans | 0.0835% | 4,557 |
| Credit loss provision to net charge-offs | 131.3253% | 2,192 |
| Earnings coverage of net charge-offs (x) | 19.0729% | 1,518 |
| Efficiency ratio | 76.9483% | 2,530 |
| Assets per employee ($millions) | 3.9908% | 3,889 |
| Cash dividends to net income (ytd only)* | 38.9650% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8855% | 6,419 |
| Loan loss allowance to noncurrent loans | 970.7317% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 6,267 |
| Noncurrent loans to loans | 0.0912% | 6,389 |
| Net loans and leases to total assets | 53.1561% | 4,882 |
| Net loans and leases to deposits | 58.8590% | 5,334 |
| Net loans and leases to core deposits | 62.5215% | 5,307 |
| Total domestic deposits to total assets | 90.3110% | 672 |
| Equity capital to assets | 8.9091% | 5,910 |
| Core capital (leverage) ratio | 8.6254% | 5,588 |
| Tier 1 risk-based capital ratio | 16.7196% | 2,888 |
| Total risk-based capital ratio | 17.7495% | 2,968 |
| Memoranda: | ||
| Average total assets | $250,746,500 | 2,546 |
| Average earning assets | $230,176,000 | 2,521 |
| Average equity | $21,964,750 | 2,999 |
| Average total loans | $132,578,750 | 2,865 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 4,998 |
| Cost of funding earning assets | 0.5173% | 5,503 |
| Net interest margin | 3.6691% | 3,960 |
| Noninterest income to average assets | 0.6746% | 2,806 |
| Noninterest expense to average assets | 3.1973% | 2,600 |
| Loan and lease loss provision to assets | 0.0711% | 4,740 |
| Net operating income to assets | 0.5133% | 4,754 |
| Return on assets (ROA) | 0.5796% | 4,726 |
| Pretax return on assets | 0.8686% | 4,205 |
| Return on Equity (ROE) | 6.6544% | 3,963 |
| Retained earnings to average equity (ytd only) | 3.8588% | 4,047 |
| Net charge-offs to loans | 0.0425% | 4,780 |
| Credit loss provision to net charge-offs | 317.8571% | 929 |
| Earnings coverage of net charge-offs (x) | 37.6071% | 918 |
| Efficiency ratio | 76.9079% | 2,612 |
| Assets per employee ($millions) | 3.9376% | 4,000 |
| Cash dividends to net income (ytd only)* | 42.0110% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 6,432 |
| Loan loss allowance to noncurrent loans | 333.9674% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 6,219 |
| Noncurrent loans to loans | 0.2723% | 6,035 |
| Net loans and leases to total assets | 53.1418% | 4,942 |
| Net loans and leases to deposits | 58.7234% | 5,376 |
| Net loans and leases to core deposits | 62.6638% | 5,334 |
| Total domestic deposits to total assets | 90.4950% | 667 |
| Equity capital to assets | 8.7578% | 5,963 |
| Core capital (leverage) ratio | 8.3939% | 5,799 |
| Tier 1 risk-based capital ratio | 16.2208% | 3,054 |
| Total risk-based capital ratio | 17.2472% | 3,138 |
| Memoranda: | ||
| Average total assets | $250,522,670 | 2,547 |
| Average earning assets | $229,649,330 | 2,526 |
| Average equity | $21,820,000 | 3,004 |
| Average total loans | $131,825,670 | 2,896 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 5,018 |
| Cost of funding earning assets | 0.5365% | 5,575 |
| Net interest margin | 3.6873% | 3,888 |
| Noninterest income to average assets | 0.6133% | 3,146 |
| Noninterest expense to average assets | 3.1660% | 2,712 |
| Loan and lease loss provision to assets | 0.1265% | 3,761 |
| Net operating income to assets | 0.4584% | 5,001 |
| Return on assets (ROA) | 0.5365% | 4,872 |
| Pretax return on assets | 0.8199% | 4,340 |
| Return on Equity (ROE) | 6.1765% | 4,198 |
| Retained earnings to average equity (ytd only) | 3.7797% | 4,317 |
| Net charge-offs to loans | 0.0922% | 3,599 |
| Credit loss provision to net charge-offs | 263.3333% | 1,099 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,315 |
| Efficiency ratio | 77.1761% | 2,622 |
| Assets per employee ($millions) | 3.9310% | 4,146 |
| Cash dividends to net income (ytd only)* | 38.8060% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 6,540 |
| Loan loss allowance to noncurrent loans | 216.5480% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 6,144 |
| Noncurrent loans to loans | 0.4145% | 5,843 |
| Net loans and leases to total assets | 53.4032% | 4,818 |
| Net loans and leases to deposits | 59.0502% | 5,273 |
| Net loans and leases to core deposits | 62.9762% | 5,222 |
| Total domestic deposits to total assets | 90.4370% | 842 |
| Equity capital to assets | 8.6738% | 5,906 |
| Core capital (leverage) ratio | 8.4061% | 5,732 |
| Tier 1 risk-based capital ratio | 15.9538% | 3,201 |
| Total risk-based capital ratio | 16.9767% | 3,295 |
| Memoranda: | ||
| Average total assets | $249,781,500 | 2,562 |
| Average earning assets | $228,893,000 | 2,548 |
| Average equity | $21,695,000 | 3,009 |
| Average total loans | $130,164,000 | 2,938 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 5,095 |
| Cost of funding earning assets | 0.7006% | 5,535 |
| Net interest margin | 3.7933% | 3,856 |
| Noninterest income to average assets | 0.5826% | 3,277 |
| Noninterest expense to average assets | 3.3038% | 2,509 |
| Loan and lease loss provision to assets | 0.0871% | 5,501 |
| Net operating income to assets | 0.4274% | 4,746 |
| Return on assets (ROA) | 0.5257% | 4,525 |
| Pretax return on assets | 0.7926% | 4,007 |
| Return on Equity (ROE) | 6.1004% | 3,817 |
| Retained earnings to average equity (ytd only) | 3.1258% | 4,002 |
| Net charge-offs to loans | 0.2534% | 4,193 |
| Credit loss provision to net charge-offs | 67.5079% | 4,944 |
| Earnings coverage of net charge-offs (x) | 5.6656% | 2,715 |
| Efficiency ratio | 80.0625% | 2,290 |
| Assets per employee ($millions) | 3.8747% | 4,150 |
| Cash dividends to net income (ytd only)* | 48.7616% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 6,439 |
| Loan loss allowance to noncurrent loans | 146.3659% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 5,893 |
| Noncurrent loans to loans | 0.6396% | 5,430 |
| Net loans and leases to total assets | 49.8385% | 5,603 |
| Net loans and leases to deposits | 55.4435% | 5,937 |
| Net loans and leases to core deposits | 59.1309% | 5,921 |
| Total domestic deposits to total assets | 89.8907% | 1,048 |
| Equity capital to assets | 8.6975% | 5,903 |
| Core capital (leverage) ratio | 8.3034% | 5,853 |
| Tier 1 risk-based capital ratio | 16.2754% | 2,917 |
| Total risk-based capital ratio | 17.2819% | 2,983 |
| Memoranda: | ||
| Average total assets | $245,777,400 | 2,574 |
| Average earning assets | $223,659,200 | 2,570 |
| Average equity | $21,178,800 | 2,991 |
| Average total loans | $125,099,200 | 3,079 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 5,098 |
| Cost of funding earning assets | 0.7320% | 5,583 |
| Net interest margin | 3.8151% | 3,798 |
| Noninterest income to average assets | 0.5741% | 3,342 |
| Noninterest expense to average assets | 3.3122% | 2,458 |
| Loan and lease loss provision to assets | 0.0935% | 5,293 |
| Net operating income to assets | 0.4255% | 4,879 |
| Return on assets (ROA) | 0.5056% | 4,709 |
| Pretax return on assets | 0.7563% | 4,294 |
| Return on Equity (ROE) | 5.8818% | 4,080 |
| Retained earnings to average equity (ytd only) | 2.9093% | 4,618 |
| Net charge-offs to loans | 0.2716% | 3,743 |
| Credit loss provision to net charge-offs | 67.4510% | 4,561 |
| Earnings coverage of net charge-offs (x) | 5.2667% | 2,830 |
| Efficiency ratio | 80.3228% | 2,210 |
| Assets per employee ($millions) | 3.9308% | 4,003 |
| Cash dividends to net income (ytd only)* | 50.5375% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 6,383 |
| Loan loss allowance to noncurrent loans | 68.1975% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 0.9017% | 4,932 |
| Noncurrent loans to loans | 1.4249% | 4,154 |
| Net loans and leases to total assets | 48.8871% | 5,849 |
| Net loans and leases to deposits | 54.3572% | 6,184 |
| Net loans and leases to core deposits | 57.9694% | 6,132 |
| Total domestic deposits to total assets | 89.9367% | 900 |
| Equity capital to assets | 8.6738% | 6,111 |
| Core capital (leverage) ratio | 8.2493% | 6,061 |
| Tier 1 risk-based capital ratio | 16.1478% | 3,038 |
| Total risk-based capital ratio | 17.1711% | 3,112 |
| Memoranda: | ||
| Average total assets | $245,227,000 | 2,582 |
| Average earning assets | $222,932,750 | 2,593 |
| Average equity | $21,081,500 | 2,997 |
| Average total loans | $125,184,750 | 3,097 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 4,943 |
| Cost of funding earning assets | 0.7640% | 5,599 |
| Net interest margin | 3.8406% | 3,580 |
| Noninterest income to average assets | 0.5801% | 3,263 |
| Noninterest expense to average assets | 3.3238% | 2,484 |
| Loan and lease loss provision to assets | 0.0614% | 5,536 |
| Net operating income to assets | 0.4439% | 4,748 |
| Return on assets (ROA) | 0.5327% | 4,511 |
| Pretax return on assets | 0.8158% | 3,966 |
| Return on Equity (ROE) | 6.2152% | 3,849 |
| Retained earnings to average equity (ytd only) | 3.1601% | 4,260 |
| Net charge-offs to loans | 0.2774% | 3,504 |
| Credit loss provision to net charge-offs | 42.8571% | 4,760 |
| Earnings coverage of net charge-offs (x) | 5.1714% | 2,675 |
| Efficiency ratio | 80.3100% | 2,337 |
| Assets per employee ($millions) | 3.7994% | 4,194 |
| Cash dividends to net income (ytd only)* | 49.1551% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 6,519 |
| Loan loss allowance to noncurrent loans | 86.3569% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 5,413 |
| Noncurrent loans to loans | 1.0975% | 4,835 |
| Net loans and leases to total assets | 49.5544% | 5,880 |
| Net loans and leases to deposits | 55.0812% | 6,220 |
| Net loans and leases to core deposits | 58.8272% | 6,207 |
| Total domestic deposits to total assets | 89.9660% | 994 |
| Equity capital to assets | 8.6342% | 6,021 |
| Core capital (leverage) ratio | 7.9718% | 6,333 |
| Tier 1 risk-based capital ratio | 15.9188% | 3,018 |
| Total risk-based capital ratio | 16.9678% | 3,095 |
| Memoranda: | ||
| Average total assets | $244,422,000 | 2,608 |
| Average earning assets | $221,738,670 | 2,630 |
| Average equity | $20,948,670 | 3,005 |
| Average total loans | $126,162,000 | 3,103 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 4,669 |
| Cost of funding earning assets | 0.7817% | 5,662 |
| Net interest margin | 3.8833% | 3,226 |
| Noninterest income to average assets | 0.5182% | 3,742 |
| Noninterest expense to average assets | 3.3905% | 2,307 |
| Loan and lease loss provision to assets | 0.0329% | 5,560 |
| Net operating income to assets | 0.4023% | 4,936 |
| Return on assets (ROA) | 0.4968% | 4,585 |
| Pretax return on assets | 0.7518% | 4,091 |
| Return on Equity (ROE) | 5.8185% | 4,006 |
| Retained earnings to average equity (ytd only) | 2.7358% | 4,532 |
| Net charge-offs to loans | -0.0031% | 6,204 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7009% | 2,122 |
| Assets per employee ($millions) | 3.8744% | 4,128 |
| Cash dividends to net income (ytd only)* | 52.9801% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 6,310 |
| Loan loss allowance to noncurrent loans | 87.3563% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.1021% | 4,715 |
| Noncurrent loans to loans | 1.1678% | 4,752 |
| Net loans and leases to total assets | 51.3573% | 5,669 |
| Net loans and leases to deposits | 57.2877% | 5,995 |
| Net loans and leases to core deposits | 61.2307% | 5,997 |
| Total domestic deposits to total assets | 89.6480% | 1,392 |
| Equity capital to assets | 8.5150% | 5,884 |
| Core capital (leverage) ratio | 8.3000% | 5,812 |
| Tier 1 risk-based capital ratio | 15.5856% | 3,112 |
| Total risk-based capital ratio | 16.6660% | 3,160 |
| Memoranda: | ||
| Average total assets | $243,152,500 | 2,637 |
| Average earning assets | $220,021,500 | 2,662 |
| Average equity | $20,761,500 | 3,017 |
| Average total loans | $127,467,500 | 3,113 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 5,262 |
| Cost of funding earning assets | 0.9616% | 5,880 |
| Net interest margin | 3.8815% | 3,577 |
| Noninterest income to average assets | 0.6547% | 3,123 |
| Noninterest expense to average assets | 3.2957% | 2,751 |
| Loan and lease loss provision to assets | 0.1430% | 5,754 |
| Net operating income to assets | 0.4548% | 4,291 |
| Return on assets (ROA) | 0.5210% | 4,154 |
| Pretax return on assets | 0.8286% | 3,535 |
| Return on Equity (ROE) | 6.2269% | 3,497 |
| Retained earnings to average equity (ytd only) | 3.7244% | 3,259 |
| Net charge-offs to loans | 0.2175% | 4,990 |
| Credit loss provision to net charge-offs | 129.5203% | 3,081 |
| Earnings coverage of net charge-offs (x) | 7.8635% | 2,054 |
| Efficiency ratio | 77.1647% | 2,846 |
| Assets per employee ($millions) | 3.9708% | 3,847 |
| Cash dividends to net income (ytd only)* | 40.1876% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 6,424 |
| Loan loss allowance to noncurrent loans | 112.3784% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9669% | 5,072 |
| Noncurrent loans to loans | 0.8816% | 5,302 |
| Net loans and leases to total assets | 52.4385% | 5,855 |
| Net loans and leases to deposits | 58.7959% | 6,179 |
| Net loans and leases to core deposits | 62.8996% | 6,160 |
| Total domestic deposits to total assets | 89.1874% | 1,543 |
| Equity capital to assets | 8.5622% | 5,772 |
| Core capital (leverage) ratio | 8.1716% | 5,871 |
| Tier 1 risk-based capital ratio | 15.4321% | 3,028 |
| Total risk-based capital ratio | 16.4926% | 3,081 |
| Memoranda: | ||
| Average total assets | $245,470,600 | 2,589 |
| Average earning assets | $221,925,800 | 2,607 |
| Average equity | $20,540,000 | 3,073 |
| Average total loans | $124,608,200 | 3,222 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 5,400 |
| Cost of funding earning assets | 0.9946% | 5,965 |
| Net interest margin | 3.8741% | 3,644 |
| Noninterest income to average assets | 0.6789% | 2,953 |
| Noninterest expense to average assets | 3.2791% | 2,640 |
| Loan and lease loss provision to assets | 0.1489% | 5,550 |
| Net operating income to assets | 0.4658% | 4,458 |
| Return on assets (ROA) | 0.5192% | 4,402 |
| Pretax return on assets | 0.8370% | 3,779 |
| Return on Equity (ROE) | 6.2402% | 3,709 |
| Retained earnings to average equity (ytd only) | 3.7090% | 3,853 |
| Net charge-offs to loans | 0.2469% | 4,459 |
| Credit loss provision to net charge-offs | 120.0873% | 3,435 |
| Earnings coverage of net charge-offs (x) | 7.2794% | 2,360 |
| Efficiency ratio | 76.6572% | 2,822 |
| Assets per employee ($millions) | 3.6760% | 4,554 |
| Cash dividends to net income (ytd only)* | 40.5629% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 6,427 |
| Loan loss allowance to noncurrent loans | 1,249.4949% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 5,387 |
| Noncurrent loans to loans | 0.0794% | 7,041 |
| Net loans and leases to total assets | 50.0916% | 6,317 |
| Net loans and leases to deposits | 56.3791% | 6,591 |
| Net loans and leases to core deposits | 60.8434% | 6,549 |
| Total domestic deposits to total assets | 88.8477% | 1,481 |
| Equity capital to assets | 8.4814% | 6,298 |
| Core capital (leverage) ratio | 7.9864% | 6,362 |
| Tier 1 risk-based capital ratio | 15.3522% | 3,075 |
| Total risk-based capital ratio | 16.3912% | 3,163 |
| Memoranda: | ||
| Average total assets | $246,284,000 | 2,612 |
| Average earning assets | $222,671,750 | 2,635 |
| Average equity | $20,490,250 | 3,124 |
| Average total loans | $123,688,750 | 3,290 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 5,418 |
| Cost of funding earning assets | 1.0293% | 6,003 |
| Net interest margin | 3.8647% | 3,611 |
| Noninterest income to average assets | 0.6424% | 3,049 |
| Noninterest expense to average assets | 3.2751% | 2,646 |
| Loan and lease loss provision to assets | 0.1746% | 5,119 |
| Net operating income to assets | 0.4164% | 4,681 |
| Return on assets (ROA) | 0.4897% | 4,534 |
| Pretax return on assets | 0.7983% | 3,889 |
| Return on Equity (ROE) | 5.9242% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.3305% | 3,988 |
| Net charge-offs to loans | 0.3728% | 3,494 |
| Credit loss provision to net charge-offs | 93.4783% | 4,315 |
| Earnings coverage of net charge-offs (x) | 4.5957% | 2,904 |
| Efficiency ratio | 77.5049% | 2,809 |
| Assets per employee ($millions) | 3.7765% | 4,279 |
| Cash dividends to net income (ytd only)* | 43.7811% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 6,622 |
| Loan loss allowance to noncurrent loans | 237.5758% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.9328% | 5,261 |
| Noncurrent loans to loans | 0.3967% | 6,449 |
| Net loans and leases to total assets | 49.5900% | 6,479 |
| Net loans and leases to deposits | 55.9071% | 6,735 |
| Net loans and leases to core deposits | 60.3205% | 6,692 |
| Total domestic deposits to total assets | 88.7007% | 1,601 |
| Equity capital to assets | 8.2922% | 6,433 |
| Core capital (leverage) ratio | 7.8347% | 6,457 |
| Tier 1 risk-based capital ratio | 14.7712% | 3,273 |
| Total risk-based capital ratio | 15.7418% | 3,416 |
| Memoranda: | ||
| Average total assets | $246,281,670 | 2,637 |
| Average earning assets | $222,473,670 | 2,657 |
| Average equity | $20,357,330 | 3,131 |
| Average total loans | $123,382,330 | 3,338 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8209% | 5,810 |
| Cost of funding earning assets | 1.0804% | 5,988 |
| Net interest margin | 3.7406% | 4,051 |
| Noninterest income to average assets | 0.5899% | 3,341 |
| Noninterest expense to average assets | 3.2418% | 2,727 |
| Loan and lease loss provision to assets | 0.1225% | 5,356 |
| Net operating income to assets | 0.4791% | 4,495 |
| Return on assets (ROA) | 0.5719% | 4,166 |
| Pretax return on assets | 0.7190% | 4,166 |
| Return on Equity (ROE) | 6.9300% | 3,380 |
| Retained earnings to average equity (ytd only) | 4.1778% | 3,640 |
| Net charge-offs to loans | 0.6912% | 2,109 |
| Credit loss provision to net charge-offs | 35.3774% | 4,734 |
| Earnings coverage of net charge-offs (x) | 2.0943% | 3,492 |
| Efficiency ratio | 80.2306% | 2,530 |
| Assets per employee ($millions) | 3.8382% | 4,228 |
| Cash dividends to net income (ytd only)* | 39.7143% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 6,945 |
| Loan loss allowance to noncurrent loans | 34.5687% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 2.0648% | 3,426 |
| Noncurrent loans to loans | 2.4978% | 3,179 |
| Net loans and leases to total assets | 49.2630% | 6,547 |
| Net loans and leases to deposits | 55.8321% | 6,787 |
| Net loans and leases to core deposits | 60.2332% | 6,726 |
| Total domestic deposits to total assets | 88.2341% | 1,931 |
| Equity capital to assets | 8.2909% | 6,314 |
| Core capital (leverage) ratio | 7.9648% | 6,285 |
| Tier 1 risk-based capital ratio | 15.0694% | 3,088 |
| Total risk-based capital ratio | 15.9683% | 3,214 |
| Memoranda: | ||
| Average total assets | $244,799,500 | 2,700 |
| Average earning assets | $221,036,500 | 2,726 |
| Average equity | $20,202,000 | 3,176 |
| Average total loans | $122,685,000 | 3,413 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2656% | 5,344 |
| Cost of funding earning assets | 1.8459% | 3,758 |
| Net interest margin | 3.4197% | 5,295 |
| Noninterest income to average assets | 0.7436% | 2,715 |
| Noninterest expense to average assets | 3.2077% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4540% | 3,908 |
| Return on assets (ROA) | 0.4992% | 3,830 |
| Pretax return on assets | 0.7082% | 3,541 |
| Return on Equity (ROE) | 6.2875% | 3,084 |
| Retained earnings to average equity (ytd only) | 2.6625% | 3,286 |
| Net charge-offs to loans | 0.1466% | 5,774 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 8.5108% | 1,933 |
| Efficiency ratio | 80.7769% | 2,778 |
| Assets per employee ($millions) | 3.7532% | 4,390 |
| Cash dividends to net income (ytd only)* | 57.6547% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 6,552 |
| Loan loss allowance to noncurrent loans | 83.6376% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 5,425 |
| Noncurrent loans to loans | 1.1549% | 5,020 |
| Net loans and leases to total assets | 50.0557% | 6,633 |
| Net loans and leases to deposits | 57.3429% | 6,824 |
| Net loans and leases to core deposits | 69.7420% | 6,792 |
| Total domestic deposits to total assets | 87.2920% | 2,333 |
| Equity capital to assets | 8.2138% | 6,330 |
| Core capital (leverage) ratio | 7.7554% | 6,497 |
| Tier 1 risk-based capital ratio | 14.8061% | 3,044 |
| Total risk-based capital ratio | 15.8093% | 3,120 |
| Memoranda: | ||
| Average total assets | $245,974,400 | 2,649 |
| Average earning assets | $223,525,600 | 2,667 |
| Average equity | $19,530,800 | 3,276 |
| Average total loans | $126,857,600 | 3,337 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 5,344 |
| Cost of funding earning assets | 1.9719% | 3,505 |
| Net interest margin | 3.3431% | 5,474 |
| Noninterest income to average assets | 0.7795% | 2,552 |
| Noninterest expense to average assets | 3.2170% | 3,245 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4211% | 4,315 |
| Return on assets (ROA) | 0.4620% | 4,257 |
| Pretax return on assets | 0.6621% | 3,978 |
| Return on Equity (ROE) | 5.8681% | 3,579 |
| Retained earnings to average equity (ytd only) | 1.8552% | 4,279 |
| Net charge-offs to loans | 0.1179% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 9.8763% | 2,044 |
| Efficiency ratio | 81.4951% | 2,646 |
| Assets per employee ($millions) | 3.7993% | 4,189 |
| Cash dividends to net income (ytd only)* | 68.3842% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 6,088 |
| Loan loss allowance to noncurrent loans | 330.0261% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 6,369 |
| Noncurrent loans to loans | 0.3134% | 6,731 |
| Net loans and leases to total assets | 48.9804% | 6,869 |
| Net loans and leases to deposits | 56.8962% | 7,031 |
| Net loans and leases to core deposits | 71.1888% | 6,899 |
| Total domestic deposits to total assets | 86.0873% | 2,662 |
| Equity capital to assets | 8.0942% | 6,751 |
| Core capital (leverage) ratio | 7.7036% | 6,727 |
| Tier 1 risk-based capital ratio | 14.6625% | 3,195 |
| Total risk-based capital ratio | 15.7260% | 3,239 |
| Memoranda: | ||
| Average total assets | $246,479,000 | 2,657 |
| Average earning assets | $224,214,500 | 2,683 |
| Average equity | $19,404,000 | 3,326 |
| Average total loans | $127,745,750 | 3,343 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3707% | 5,295 |
| Cost of funding earning assets | 2.0572% | 3,488 |
| Net interest margin | 3.3135% | 5,506 |
| Noninterest income to average assets | 0.8436% | 2,200 |
| Noninterest expense to average assets | 3.1609% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4712% | 4,215 |
| Return on assets (ROA) | 0.4734% | 4,317 |
| Pretax return on assets | 0.6991% | 3,995 |
| Return on Equity (ROE) | 6.0701% | 3,615 |
| Retained earnings to average equity (ytd only) | 1.5514% | 4,464 |
| Net charge-offs to loans | 0.1420% | 4,750 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 9.3152% | 2,147 |
| Efficiency ratio | 79.0526% | 3,186 |
| Assets per employee ($millions) | 3.7928% | 4,113 |
| Cash dividends to net income (ytd only)* | 74.4425% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 6,198 |
| Loan loss allowance to noncurrent loans | 333.7662% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 6,399 |
| Noncurrent loans to loans | 0.3011% | 6,763 |
| Net loans and leases to total assets | 51.3359% | 6,754 |
| Net loans and leases to deposits | 59.4260% | 6,936 |
| Net loans and leases to core deposits | 74.8365% | 6,743 |
| Total domestic deposits to total assets | 86.3863% | 2,577 |
| Equity capital to assets | 7.9110% | 6,856 |
| Core capital (leverage) ratio | 7.5887% | 6,918 |
| Tier 1 risk-based capital ratio | 13.9854% | 3,525 |
| Total risk-based capital ratio | 15.0265% | 3,573 |
| Memoranda: | ||
| Average total assets | $246,320,670 | 2,678 |
| Average earning assets | $223,995,000 | 2,700 |
| Average equity | $19,209,000 | 3,365 |
| Average total loans | $129,586,670 | 3,346 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3772% | 5,541 |
| Cost of funding earning assets | 2.1427% | 3,449 |
| Net interest margin | 3.2345% | 5,740 |
| Noninterest income to average assets | 0.8838% | 1,916 |
| Noninterest expense to average assets | 3.0965% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5042% | 4,401 |
| Return on assets (ROA) | 0.5052% | 4,584 |
| Pretax return on assets | 0.7489% | 4,258 |
| Return on Equity (ROE) | 6.5261% | 3,809 |
| Retained earnings to average equity (ytd only) | 2.1404% | 4,677 |
| Net charge-offs to loans | -0.0061% | 7,204 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5148% | 3,250 |
| Assets per employee ($millions) | 3.9629% | 3,740 |
| Cash dividends to net income (ytd only)* | 67.2026% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 5,675 |
| Loan loss allowance to noncurrent loans | 134.7996% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 5,627 |
| Noncurrent loans to loans | 0.7951% | 5,448 |
| Net loans and leases to total assets | 50.9833% | 6,766 |
| Net loans and leases to deposits | 59.6121% | 6,927 |
| Net loans and leases to core deposits | 75.6586% | 6,702 |
| Total domestic deposits to total assets | 85.5251% | 2,954 |
| Equity capital to assets | 7.6660% | 7,209 |
| Core capital (leverage) ratio | 7.5319% | 7,121 |
| Tier 1 risk-based capital ratio | 13.8465% | 3,670 |
| Total risk-based capital ratio | 14.9630% | 3,663 |
| Memoranda: | ||
| Average total assets | $246,215,500 | 2,694 |
| Average earning assets | $225,320,000 | 2,702 |
| Average equity | $19,062,000 | 3,408 |
| Average total loans | $130,458,000 | 3,352 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8135% | 6,381 |
| Cost of funding earning assets | 2.5369% | 4,014 |
| Net interest margin | 3.2765% | 6,116 |
| Noninterest income to average assets | 0.6014% | 3,835 |
| Noninterest expense to average assets | 2.9405% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4940% | 4,765 |
| Return on assets (ROA) | 0.0062% | 6,214 |
| Pretax return on assets | -0.1065% | 6,277 |
| Return on Equity (ROE) | 0.0789% | 6,207 |
| Retained earnings to average equity (ytd only) | -4.3315% | 6,384 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1313% | 2,580 |
| Assets per employee ($millions) | 3.9799% | 3,566 |
| Cash dividends to net income (ytd only)* | 5,586.6667% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 5,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 6,984 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 53.9088% | 6,666 |
| Net loans and leases to deposits | 63.6112% | 6,832 |
| Net loans and leases to core deposits | 81.2172% | 6,519 |
| Total domestic deposits to total assets | 84.7474% | 2,953 |
| Equity capital to assets | 7.8201% | 7,069 |
| Core capital (leverage) ratio | 7.7258% | 6,889 |
| Tier 1 risk-based capital ratio | 13.6136% | 3,754 |
| Total risk-based capital ratio | 14.7054% | 3,748 |
| Memoranda: | ||
| Average total assets | $241,425,400 | 2,644 |
| Average earning assets | $220,659,600 | 2,651 |
| Average equity | $19,000,400 | 3,394 |
| Average total loans | $129,406,800 | 3,281 |