Home > North Cascades National Bank > Performance and Condition Ratios
North Cascades National Bank, Performance and Condition Ratios
| 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 | 4.2381% | 3,193 |
| Cost of funding earning assets | 0.2454% | 6,206 |
| Net interest margin | 3.9927% | 1,887 |
| Noninterest income to average assets | 0.4787% | 3,969 |
| Noninterest expense to average assets | 3.0008% | 2,998 |
| Loan and lease loss provision to assets | 0.0812% | 3,439 |
| Net operating income to assets | 0.6612% | 4,014 |
| Return on assets (ROA) | 0.6612% | 4,162 |
| Pretax return on assets | 0.9254% | 3,804 |
| Return on Equity (ROE) | 5.5990% | 4,405 |
| Retained earnings to average equity (ytd only) | -18.8690% | 6,792 |
| Net charge-offs to loans | 0.0281% | 4,301 |
| Credit loss provision to net charge-offs | 456.6667% | 597 |
| Earnings coverage of net charge-offs (x) | 56.6333% | 734 |
| Efficiency ratio | 74.0242% | 3,124 |
| Assets per employee ($millions) | 3.7925% | 4,227 |
| Cash dividends to net income (ytd only)* | 437.0072% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 3,233 |
| Loan loss allowance to noncurrent loans | 411.1656% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 4,640 |
| Noncurrent loans to loans | 0.3837% | 5,317 |
| Net loans and leases to total assets | 63.3656% | 3,032 |
| Net loans and leases to deposits | 72.5334% | 3,374 |
| Net loans and leases to core deposits | 73.0678% | 3,915 |
| Total domestic deposits to total assets | 87.3605% | 2,612 |
| Equity capital to assets | 11.1890% | 2,561 |
| Core capital (leverage) ratio | 9.7611% | 3,851 |
| Tier 1 risk-based capital ratio | 14.0201% | 4,409 |
| Total risk-based capital ratio | 15.2730% | 4,371 |
| Memoranda: | ||
| Average total assets | $337,580,000 | 1,922 |
| Average earning assets | $298,341,330 | 1,995 |
| Average equity | $39,864,330 | 1,767 |
| Average total loans | $213,749,670 | 1,910 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 3,371 |
| Cost of funding earning assets | 0.2514% | 6,283 |
| Net interest margin | 3.9310% | 2,011 |
| Noninterest income to average assets | 0.4159% | 4,342 |
| Noninterest expense to average assets | 3.1178% | 2,619 |
| Loan and lease loss provision to assets | 0.0961% | 3,073 |
| Net operating income to assets | 0.5003% | 4,657 |
| Return on assets (ROA) | 0.5003% | 4,812 |
| Pretax return on assets | 0.6831% | 4,648 |
| Return on Equity (ROE) | 4.1318% | 5,026 |
| Retained earnings to average equity (ytd only) | 4.1318% | 3,742 |
| Net charge-offs to loans | 0.1754% | 2,343 |
| Credit loss provision to net charge-offs | 87.2340% | 2,065 |
| Earnings coverage of net charge-offs (x) | 7.0745% | 2,120 |
| Efficiency ratio | 79.1341% | 2,452 |
| Assets per employee ($millions) | 3.8708% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 3,655 |
| Loan loss allowance to noncurrent loans | 343.8298% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 4,280 |
| Noncurrent loans to loans | 0.4483% | 5,299 |
| Net loans and leases to total assets | 61.3077% | 3,205 |
| Net loans and leases to deposits | 71.2187% | 3,292 |
| Net loans and leases to core deposits | 71.8400% | 3,839 |
| Total domestic deposits to total assets | 86.0837% | 3,487 |
| Equity capital to assets | 12.3427% | 1,812 |
| Core capital (leverage) ratio | 10.7297% | 2,516 |
| Tier 1 risk-based capital ratio | 15.9489% | 3,300 |
| Total risk-based capital ratio | 17.2014% | 3,258 |
| Memoranda: | ||
| Average total assets | $341,395,500 | 1,930 |
| Average earning assets | $302,312,500 | 1,993 |
| Average equity | $41,337,500 | 1,735 |
| Average total loans | $214,412,000 | 1,913 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6000% | 3,004 |
| Cost of funding earning assets | 0.3871% | 6,002 |
| Net interest margin | 4.2130% | 1,625 |
| Noninterest income to average assets | 0.4141% | 4,500 |
| Noninterest expense to average assets | 3.2397% | 2,492 |
| Loan and lease loss provision to assets | 0.0639% | 4,962 |
| Net operating income to assets | 0.5777% | 4,349 |
| Return on assets (ROA) | 0.7081% | 3,955 |
| Pretax return on assets | 0.9991% | 3,549 |
| Return on Equity (ROE) | 5.9666% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.6961% | 2,258 |
| Net charge-offs to loans | 0.5042% | 2,227 |
| Credit loss provision to net charge-offs | 20.1878% | 5,285 |
| Earnings coverage of net charge-offs (x) | 2.7775% | 4,041 |
| Efficiency ratio | 77.8074% | 2,477 |
| Assets per employee ($millions) | 3.9322% | 4,072 |
| Cash dividends to net income (ytd only)* | 4.5340% | 4,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 3,827 |
| Loan loss allowance to noncurrent loans | 91.9501% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.7362% | 2,787 |
| Noncurrent loans to loans | 1.6100% | 3,209 |
| Net loans and leases to total assets | 62.3898% | 3,192 |
| Net loans and leases to deposits | 71.9849% | 3,415 |
| Net loans and leases to core deposits | 72.6616% | 3,956 |
| Total domestic deposits to total assets | 86.6707% | 3,015 |
| Equity capital to assets | 11.8803% | 2,124 |
| Core capital (leverage) ratio | 10.3754% | 2,921 |
| Tier 1 risk-based capital ratio | 14.9470% | 3,744 |
| Total risk-based capital ratio | 16.1984% | 3,701 |
| Memoranda: | ||
| Average total assets | $336,390,200 | 1,923 |
| Average earning assets | $295,824,200 | 1,995 |
| Average equity | $39,922,200 | 1,744 |
| Average total loans | $211,230,600 | 1,913 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 2,851 |
| Cost of funding earning assets | 0.4170% | 6,008 |
| Net interest margin | 4.2708% | 1,551 |
| Noninterest income to average assets | 0.4870% | 4,007 |
| Noninterest expense to average assets | 3.2820% | 2,320 |
| Loan and lease loss provision to assets | 0.0838% | 4,566 |
| Net operating income to assets | 0.6126% | 4,336 |
| Return on assets (ROA) | 0.7853% | 3,771 |
| Pretax return on assets | 1.1174% | 3,287 |
| Return on Equity (ROE) | 6.6185% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.2551% | 2,521 |
| Net charge-offs to loans | 0.6556% | 1,665 |
| Credit loss provision to net charge-offs | 20.4082% | 4,948 |
| Earnings coverage of net charge-offs (x) | 2.3236% | 4,114 |
| Efficiency ratio | 76.6397% | 2,577 |
| Assets per employee ($millions) | 3.8998% | 4,088 |
| Cash dividends to net income (ytd only)* | 5.4907% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 3,729 |
| Loan loss allowance to noncurrent loans | 69.6068% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.0070% | 2,626 |
| Noncurrent loans to loans | 2.2279% | 2,584 |
| Net loans and leases to total assets | 59.9006% | 3,802 |
| Net loans and leases to deposits | 69.0803% | 4,010 |
| Net loans and leases to core deposits | 69.7854% | 4,521 |
| Total domestic deposits to total assets | 86.7116% | 2,845 |
| Equity capital to assets | 11.7369% | 2,496 |
| Core capital (leverage) ratio | 10.4222% | 3,007 |
| Tier 1 risk-based capital ratio | 15.5457% | 3,507 |
| Total risk-based capital ratio | 16.7983% | 3,468 |
| Memoranda: | ||
| Average total assets | $333,979,250 | 1,954 |
| Average earning assets | $293,207,500 | 2,035 |
| Average equity | $39,625,250 | 1,768 |
| Average total loans | $209,254,750 | 1,947 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 2,640 |
| Cost of funding earning assets | 0.4496% | 5,978 |
| Net interest margin | 4.3207% | 1,427 |
| Noninterest income to average assets | 0.4957% | 3,947 |
| Noninterest expense to average assets | 3.3312% | 2,215 |
| Loan and lease loss provision to assets | 0.1183% | 4,050 |
| Net operating income to assets | 0.5839% | 4,435 |
| Return on assets (ROA) | 0.7797% | 3,740 |
| Pretax return on assets | 1.1104% | 3,268 |
| Return on Equity (ROE) | 6.5470% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.9967% | 2,717 |
| Net charge-offs to loans | 1.0728% | 1,020 |
| Credit loss provision to net charge-offs | 17.4263% | 4,649 |
| Earnings coverage of net charge-offs (x) | 1.3977% | 4,307 |
| Efficiency ratio | 77.0060% | 2,589 |
| Assets per employee ($millions) | 3.7391% | 4,441 |
| Cash dividends to net income (ytd only)* | 8.4047% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 4,168 |
| Loan loss allowance to noncurrent loans | 64.1311% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.3030% | 2,429 |
| Noncurrent loans to loans | 2.2870% | 2,630 |
| Net loans and leases to total assets | 63.9967% | 3,029 |
| Net loans and leases to deposits | 75.7245% | 3,023 |
| Net loans and leases to core deposits | 76.9861% | 3,661 |
| Total domestic deposits to total assets | 84.5126% | 4,095 |
| Equity capital to assets | 11.9872% | 2,160 |
| Core capital (leverage) ratio | 10.7007% | 2,596 |
| Tier 1 risk-based capital ratio | 14.6938% | 3,969 |
| Total risk-based capital ratio | 15.9453% | 3,928 |
| Memoranda: | ||
| Average total assets | $329,610,670 | 1,968 |
| Average earning assets | $288,704,000 | 2,065 |
| Average equity | $39,254,670 | 1,769 |
| Average total loans | $208,612,670 | 1,953 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8775% | 2,331 |
| Cost of funding earning assets | 0.4830% | 5,922 |
| Net interest margin | 4.3945% | 1,236 |
| Noninterest income to average assets | 0.5073% | 3,864 |
| Noninterest expense to average assets | 3.4217% | 1,951 |
| Loan and lease loss provision to assets | 0.2378% | 2,568 |
| Net operating income to assets | 0.4874% | 4,882 |
| Return on assets (ROA) | 0.8621% | 3,329 |
| Pretax return on assets | 1.2328% | 2,794 |
| Return on Equity (ROE) | 7.2631% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.1536% | 2,866 |
| Net charge-offs to loans | 1.2536% | 807 |
| Credit loss provision to net charge-offs | 30.3738% | 3,617 |
| Earnings coverage of net charge-offs (x) | 1.1947% | 3,739 |
| Efficiency ratio | 77.7218% | 2,532 |
| Assets per employee ($millions) | 3.4825% | 5,157 |
| Cash dividends to net income (ytd only)* | 15.2758% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 2,982 |
| Loan loss allowance to noncurrent loans | 52.5732% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 2.7108% | 2,176 |
| Noncurrent loans to loans | 3.4321% | 1,824 |
| Net loans and leases to total assets | 60.6301% | 3,527 |
| Net loans and leases to deposits | 70.0889% | 3,722 |
| Net loans and leases to core deposits | 71.3866% | 4,239 |
| Total domestic deposits to total assets | 86.5046% | 3,241 |
| Equity capital to assets | 11.9753% | 2,060 |
| Core capital (leverage) ratio | 10.4973% | 2,754 |
| Tier 1 risk-based capital ratio | 15.1340% | 3,665 |
| Total risk-based capital ratio | 16.3888% | 3,626 |
| Memoranda: | ||
| Average total assets | $328,025,500 | 1,981 |
| Average earning assets | $287,358,500 | 2,079 |
| Average equity | $38,936,500 | 1,784 |
| Average total loans | $204,849,500 | 1,980 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 2,052 |
| Cost of funding earning assets | 0.7695% | 5,060 |
| Net interest margin | 4.4321% | 1,307 |
| Noninterest income to average assets | 0.5117% | 3,769 |
| Noninterest expense to average assets | 3.3881% | 2,273 |
| Loan and lease loss provision to assets | 0.1323% | 4,959 |
| Net operating income to assets | 0.6177% | 3,900 |
| Return on assets (ROA) | 0.8742% | 2,858 |
| Pretax return on assets | 1.2227% | 2,380 |
| Return on Equity (ROE) | 7.9989% | 2,898 |
| Retained earnings to average equity (ytd only) | 7.5313% | 1,264 |
| Net charge-offs to loans | 0.1931% | 4,596 |
| Credit loss provision to net charge-offs | 108.9109% | 3,091 |
| Earnings coverage of net charge-offs (x) | 8.2228% | 2,184 |
| Efficiency ratio | 76.1513% | 2,869 |
| Assets per employee ($millions) | 3.5343% | 4,931 |
| Cash dividends to net income (ytd only)* | 5.8459% | 3,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 2,361 |
| Loan loss allowance to noncurrent loans | 50.9394% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 3.0630% | 1,955 |
| Noncurrent loans to loans | 3.8719% | 1,620 |
| Net loans and leases to total assets | 61.9059% | 3,617 |
| Net loans and leases to deposits | 71.2007% | 3,916 |
| Net loans and leases to core deposits | 72.6663% | 4,415 |
| Total domestic deposits to total assets | 86.9456% | 2,795 |
| Equity capital to assets | 11.7650% | 2,294 |
| Core capital (leverage) ratio | 10.0173% | 3,319 |
| Tier 1 risk-based capital ratio | 14.7180% | 3,821 |
| Total risk-based capital ratio | 15.9751% | 3,793 |
| Memoranda: | ||
| Average total assets | $332,635,000 | 1,944 |
| Average earning assets | $290,833,800 | 2,016 |
| Average equity | $36,354,800 | 1,864 |
| Average total loans | $209,203,000 | 1,963 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2245% | 2,113 |
| Cost of funding earning assets | 0.8461% | 4,798 |
| Net interest margin | 4.3784% | 1,466 |
| Noninterest income to average assets | 0.4884% | 3,965 |
| Noninterest expense to average assets | 3.3426% | 2,367 |
| Loan and lease loss provision to assets | 0.1659% | 4,402 |
| Net operating income to assets | 0.5691% | 4,225 |
| Return on assets (ROA) | 0.9048% | 2,858 |
| Pretax return on assets | 1.2877% | 2,330 |
| Return on Equity (ROE) | 8.4375% | 2,859 |
| Retained earnings to average equity (ytd only) | 7.8040% | 1,589 |
| Net charge-offs to loans | 0.2805% | 3,680 |
| Credit loss provision to net charge-offs | 94.1043% | 3,628 |
| Earnings coverage of net charge-offs (x) | 5.5260% | 2,760 |
| Efficiency ratio | 76.6225% | 2,742 |
| Assets per employee ($millions) | 3.6120% | 4,731 |
| Cash dividends to net income (ytd only)* | 7.5088% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9050% | 2,597 |
| Loan loss allowance to noncurrent loans | 68.6999% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.4145% | 2,669 |
| Noncurrent loans to loans | 2.7730% | 2,509 |
| Net loans and leases to total assets | 60.5060% | 4,042 |
| Net loans and leases to deposits | 69.0433% | 4,444 |
| Net loans and leases to core deposits | 70.5696% | 4,877 |
| Total domestic deposits to total assets | 87.6349% | 2,273 |
| Equity capital to assets | 10.8441% | 3,295 |
| Core capital (leverage) ratio | 9.2799% | 4,485 |
| Tier 1 risk-based capital ratio | 13.7485% | 4,539 |
| Total risk-based capital ratio | 15.0051% | 4,495 |
| Memoranda: | ||
| Average total assets | $333,620,250 | 1,946 |
| Average earning assets | $291,695,250 | 2,018 |
| Average equity | $35,775,750 | 1,893 |
| Average total loans | $209,610,000 | 1,979 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2721% | 1,986 |
| Cost of funding earning assets | 0.9071% | 4,606 |
| Net interest margin | 4.3650% | 1,477 |
| Noninterest income to average assets | 0.5078% | 3,797 |
| Noninterest expense to average assets | 3.4020% | 2,250 |
| Loan and lease loss provision to assets | 0.1574% | 4,347 |
| Net operating income to assets | 0.5312% | 4,373 |
| Return on assets (ROA) | 0.9303% | 2,618 |
| Pretax return on assets | 1.3309% | 2,035 |
| Return on Equity (ROE) | 8.7088% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.0459% | 1,449 |
| Net charge-offs to loans | 0.4643% | 2,722 |
| Credit loss provision to net charge-offs | 53.6082% | 4,494 |
| Earnings coverage of net charge-offs (x) | 3.1278% | 3,290 |
| Efficiency ratio | 77.9210% | 2,724 |
| Assets per employee ($millions) | 3.5213% | 4,891 |
| Cash dividends to net income (ytd only)* | 7.6122% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 2,796 |
| Loan loss allowance to noncurrent loans | 70.9027% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.4109% | 2,745 |
| Noncurrent loans to loans | 2.6248% | 2,758 |
| Net loans and leases to total assets | 59.7926% | 4,311 |
| Net loans and leases to deposits | 68.4909% | 4,637 |
| Net loans and leases to core deposits | 69.9365% | 5,081 |
| Total domestic deposits to total assets | 87.3000% | 2,570 |
| Equity capital to assets | 10.7100% | 3,272 |
| Core capital (leverage) ratio | 9.4827% | 3,984 |
| Tier 1 risk-based capital ratio | 14.0241% | 4,156 |
| Total risk-based capital ratio | 15.2805% | 4,125 |
| Memoranda: | ||
| Average total assets | $330,448,330 | 1,972 |
| Average earning assets | $288,612,670 | 2,045 |
| Average equity | $35,297,670 | 1,898 |
| Average total loans | $208,930,000 | 2,007 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3362% | 1,763 |
| Cost of funding earning assets | 0.9809% | 4,342 |
| Net interest margin | 4.3553% | 1,412 |
| Noninterest income to average assets | 0.4849% | 4,009 |
| Noninterest expense to average assets | 3.4655% | 2,101 |
| Loan and lease loss provision to assets | 0.0735% | 5,084 |
| Net operating income to assets | 0.5501% | 4,270 |
| Return on assets (ROA) | 0.5474% | 4,364 |
| Pretax return on assets | 0.7482% | 4,102 |
| Return on Equity (ROE) | 5.1314% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.1314% | 3,100 |
| Net charge-offs to loans | 0.3441% | 2,684 |
| Credit loss provision to net charge-offs | 33.1492% | 4,068 |
| Earnings coverage of net charge-offs (x) | 3.7238% | 2,653 |
| Efficiency ratio | 79.9372% | 2,548 |
| Assets per employee ($millions) | 3.3084% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 2,699 |
| Loan loss allowance to noncurrent loans | 61.3622% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 2.8348% | 2,432 |
| Noncurrent loans to loans | 3.0930% | 2,424 |
| Net loans and leases to total assets | 62.1302% | 3,824 |
| Net loans and leases to deposits | 71.1277% | 4,181 |
| Net loans and leases to core deposits | 72.8099% | 4,673 |
| Total domestic deposits to total assets | 87.3503% | 2,738 |
| Equity capital to assets | 10.7247% | 2,959 |
| Core capital (leverage) ratio | 9.3259% | 4,087 |
| Tier 1 risk-based capital ratio | 13.2837% | 4,591 |
| Total risk-based capital ratio | 14.5400% | 4,568 |
| Memoranda: | ||
| Average total assets | $326,649,000 | 2,001 |
| Average earning assets | $285,446,000 | 2,079 |
| Average equity | $34,844,000 | 1,903 |
| Average total loans | $210,415,000 | 2,009 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5961% | 1,906 |
| Cost of funding earning assets | 1.1277% | 4,980 |
| Net interest margin | 4.4684% | 1,304 |
| Noninterest income to average assets | 0.5044% | 4,132 |
| Noninterest expense to average assets | 3.5355% | 2,083 |
| Loan and lease loss provision to assets | 0.5746% | 2,834 |
| Net operating income to assets | 0.2249% | 5,199 |
| Return on assets (ROA) | 0.2328% | 5,324 |
| Pretax return on assets | 0.2834% | 5,279 |
| Return on Equity (ROE) | 2.1508% | 5,328 |
| Retained earnings to average equity (ytd only) | 1.8625% | 4,557 |
| Net charge-offs to loans | 1.1049% | 2,017 |
| Credit loss provision to net charge-offs | 75.1429% | 5,729 |
| Earnings coverage of net charge-offs (x) | 1.1094% | 5,002 |
| Efficiency ratio | 79.8163% | 2,440 |
| Assets per employee ($millions) | 3.1938% | 5,686 |
| Cash dividends to net income (ytd only)* | 13.4048% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9016% | 2,559 |
| Loan loss allowance to noncurrent loans | 66.3506% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.6206% | 2,658 |
| Noncurrent loans to loans | 2.8660% | 2,659 |
| Net loans and leases to total assets | 64.2604% | 3,821 |
| Net loans and leases to deposits | 74.9722% | 4,030 |
| Net loans and leases to core deposits | 77.0007% | 4,590 |
| Total domestic deposits to total assets | 85.7124% | 3,491 |
| Equity capital to assets | 10.6092% | 3,055 |
| Core capital (leverage) ratio | 9.1663% | 4,233 |
| Tier 1 risk-based capital ratio | 12.8755% | 4,704 |
| Total risk-based capital ratio | 14.1324% | 4,670 |
| Memoranda: | ||
| Average total assets | $320,407,400 | 2,035 |
| Average earning assets | $278,176,800 | 2,129 |
| Average equity | $34,685,400 | 1,911 |
| Average total loans | $221,742,600 | 1,954 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6649% | 1,827 |
| Cost of funding earning assets | 1.1633% | 5,069 |
| Net interest margin | 4.5017% | 1,255 |
| Noninterest income to average assets | 0.5014% | 4,175 |
| Noninterest expense to average assets | 3.5415% | 1,931 |
| Loan and lease loss provision to assets | 0.1320% | 5,708 |
| Net operating income to assets | 0.5344% | 4,168 |
| Return on assets (ROA) | 0.4902% | 4,558 |
| Pretax return on assets | 0.6694% | 4,352 |
| Return on Equity (ROE) | 4.5049% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.5049% | 3,344 |
| Net charge-offs to loans | 0.4807% | 3,354 |
| Credit loss provision to net charge-offs | 39.1574% | 6,026 |
| Earnings coverage of net charge-offs (x) | 2.5564% | 3,881 |
| Efficiency ratio | 79.5882% | 2,411 |
| Assets per employee ($millions) | 3.2393% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 2,468 |
| Loan loss allowance to noncurrent loans | 98.4209% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 2.0347% | 3,423 |
| Noncurrent loans to loans | 1.9368% | 3,764 |
| Net loans and leases to total assets | 67.0121% | 3,458 |
| Net loans and leases to deposits | 78.6299% | 3,702 |
| Net loans and leases to core deposits | 80.9624% | 4,387 |
| Total domestic deposits to total assets | 85.2247% | 3,506 |
| Equity capital to assets | 11.0755% | 2,884 |
| Core capital (leverage) ratio | 9.4960% | 3,907 |
| Tier 1 risk-based capital ratio | 12.9725% | 4,598 |
| Total risk-based capital ratio | 14.2290% | 4,570 |
| Memoranda: | ||
| Average total assets | $319,068,000 | 2,071 |
| Average earning assets | $276,572,250 | 2,172 |
| Average equity | $34,716,500 | 1,929 |
| Average total loans | $223,829,250 | 1,969 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6499% | 1,943 |
| Cost of funding earning assets | 1.1941% | 5,162 |
| Net interest margin | 4.4558% | 1,304 |
| Noninterest income to average assets | 0.4634% | 4,413 |
| Noninterest expense to average assets | 3.5375% | 1,937 |
| Loan and lease loss provision to assets | 0.1984% | 4,884 |
| Net operating income to assets | 0.4362% | 4,598 |
| Return on assets (ROA) | 0.3962% | 4,933 |
| Pretax return on assets | 0.5306% | 4,810 |
| Return on Equity (ROE) | 3.6634% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.6634% | 3,768 |
| Net charge-offs to loans | 0.7444% | 2,376 |
| Credit loss provision to net charge-offs | 37.6639% | 5,641 |
| Earnings coverage of net charge-offs (x) | 1.4851% | 4,371 |
| Efficiency ratio | 81.0465% | 2,293 |
| Assets per employee ($millions) | 3.0363% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 2,521 |
| Loan loss allowance to noncurrent loans | 73.4231% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 2.5489% | 2,836 |
| Noncurrent loans to loans | 2.5411% | 3,119 |
| Net loans and leases to total assets | 70.3777% | 2,819 |
| Net loans and leases to deposits | 82.8548% | 3,104 |
| Net loans and leases to core deposits | 85.1454% | 3,966 |
| Total domestic deposits to total assets | 84.9411% | 3,662 |
| Equity capital to assets | 11.2727% | 2,614 |
| Core capital (leverage) ratio | 9.6641% | 3,590 |
| Tier 1 risk-based capital ratio | 12.4996% | 4,863 |
| Total risk-based capital ratio | 13.7562% | 4,832 |
| Memoranda: | ||
| Average total assets | $318,527,330 | 2,082 |
| Average earning assets | $275,686,330 | 2,193 |
| Average equity | $34,449,330 | 1,940 |
| Average total loans | $225,413,330 | 1,982 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5436% | 2,390 |
| Cost of funding earning assets | 1.2078% | 5,361 |
| Net interest margin | 4.3358% | 1,577 |
| Noninterest income to average assets | 0.3604% | 5,256 |
| Noninterest expense to average assets | 3.5065% | 1,964 |
| Loan and lease loss provision to assets | 0.2230% | 4,266 |
| Net operating income to assets | 0.3181% | 5,216 |
| Return on assets (ROA) | 0.2329% | 5,680 |
| Pretax return on assets | 0.2874% | 5,646 |
| Return on Equity (ROE) | 2.1977% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.1977% | 4,812 |
| Net charge-offs to loans | 0.8649% | 1,816 |
| Credit loss provision to net charge-offs | 36.6599% | 4,700 |
| Earnings coverage of net charge-offs (x) | 1.0122% | 4,163 |
| Efficiency ratio | 84.1947% | 2,008 |
| Assets per employee ($millions) | 3.0781% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9458% | 2,326 |
| Loan loss allowance to noncurrent loans | 56.0907% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 3.7498% | 1,856 |
| Noncurrent loans to loans | 3.4690% | 2,300 |
| Net loans and leases to total assets | 70.6073% | 2,780 |
| Net loans and leases to deposits | 83.0529% | 3,097 |
| Net loans and leases to core deposits | 89.1184% | 3,481 |
| Total domestic deposits to total assets | 85.0148% | 3,673 |
| Equity capital to assets | 11.0366% | 2,726 |
| Core capital (leverage) ratio | 9.2266% | 4,177 |
| Tier 1 risk-based capital ratio | 12.1961% | 4,998 |
| Total risk-based capital ratio | 13.4533% | 4,965 |
| Memoranda: | ||
| Average total assets | $322,939,500 | 2,101 |
| Average earning assets | $280,179,500 | 2,207 |
| Average equity | $34,218,000 | 1,976 |
| Average total loans | $227,067,000 | 2,012 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5160% | 648 |
| Cost of funding earning assets | 1.4357% | 5,778 |
| Net interest margin | 5.0803% | 379 |
| Noninterest income to average assets | 0.6510% | 3,284 |
| Noninterest expense to average assets | 3.6581% | 2,010 |
| Loan and lease loss provision to assets | 1.0350% | 2,209 |
| Net operating income to assets | 0.2707% | 4,641 |
| Return on assets (ROA) | 0.3892% | 4,269 |
| Pretax return on assets | 0.5066% | 4,165 |
| Return on Equity (ROE) | 3.8997% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.6683% | 2,624 |
| Net charge-offs to loans | 0.8451% | 2,714 |
| Credit loss provision to net charge-offs | 161.1990% | 2,756 |
| Earnings coverage of net charge-offs (x) | 2.1612% | 4,103 |
| Efficiency ratio | 71.7852% | 4,299 |
| Assets per employee ($millions) | 3.3499% | 5,376 |
| Cash dividends to net income (ytd only)* | 5.9335% | 3,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0268% | 1,962 |
| Loan loss allowance to noncurrent loans | 79.4383% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 2.4102% | 2,886 |
| Noncurrent loans to loans | 2.5514% | 3,002 |
| Net loans and leases to total assets | 67.3455% | 3,847 |
| Net loans and leases to deposits | 77.9182% | 4,392 |
| Net loans and leases to core deposits | 91.9307% | 4,895 |
| Total domestic deposits to total assets | 86.4311% | 2,804 |
| Equity capital to assets | 10.1867% | 3,527 |
| Core capital (leverage) ratio | 8.8295% | 4,722 |
| Tier 1 risk-based capital ratio | 11.7010% | 5,197 |
| Total risk-based capital ratio | 12.9643% | 5,146 |
| Memoranda: | ||
| Average total assets | $324,730,200 | 2,085 |
| Average earning assets | $280,910,600 | 2,181 |
| Average equity | $32,412,400 | 2,067 |
| Average total loans | $246,730,200 | 1,910 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7218% | 491 |
| Cost of funding earning assets | 1.5028% | 5,812 |
| Net interest margin | 5.2189% | 292 |
| Noninterest income to average assets | 0.6510% | 3,343 |
| Noninterest expense to average assets | 3.7466% | 1,711 |
| Loan and lease loss provision to assets | 0.9854% | 1,940 |
| Net operating income to assets | 0.3263% | 4,695 |
| Return on assets (ROA) | 0.3824% | 4,572 |
| Pretax return on assets | 0.4946% | 4,534 |
| Return on Equity (ROE) | 3.8518% | 4,438 |
| Retained earnings to average equity (ytd only) | 3.5391% | 3,313 |
| Net charge-offs to loans | 0.3476% | 3,900 |
| Credit loss provision to net charge-offs | 364.0673% | 1,116 |
| Earnings coverage of net charge-offs (x) | 5.1988% | 2,900 |
| Efficiency ratio | 71.9987% | 4,241 |
| Assets per employee ($millions) | 3.1276% | 5,838 |
| Cash dividends to net income (ytd only)* | 8.1171% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0685% | 1,655 |
| Loan loss allowance to noncurrent loans | 76.4223% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 2.2815% | 3,001 |
| Noncurrent loans to loans | 2.7067% | 2,801 |
| Net loans and leases to total assets | 74.4933% | 2,384 |
| Net loans and leases to deposits | 86.5231% | 3,223 |
| Net loans and leases to core deposits | 105.0796% | 3,809 |
| Total domestic deposits to total assets | 86.0963% | 2,654 |
| Equity capital to assets | 10.0634% | 4,009 |
| Core capital (leverage) ratio | 8.3336% | 5,776 |
| Tier 1 risk-based capital ratio | 10.2410% | 6,741 |
| Total risk-based capital ratio | 11.5088% | 6,668 |
| Memoranda: | ||
| Average total assets | $322,166,250 | 2,114 |
| Average earning assets | $277,955,750 | 2,207 |
| Average equity | $31,984,500 | 2,109 |
| Average total loans | $250,846,500 | 1,909 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8734% | 396 |
| Cost of funding earning assets | 1.5855% | 5,791 |
| Net interest margin | 5.2880% | 250 |
| Noninterest income to average assets | 0.6022% | 3,676 |
| Noninterest expense to average assets | 3.7878% | 1,678 |
| Loan and lease loss provision to assets | 0.9971% | 1,688 |
| Net operating income to assets | 0.2876% | 4,954 |
| Return on assets (ROA) | 0.3724% | 4,708 |
| Pretax return on assets | 0.4808% | 4,682 |
| Return on Equity (ROE) | 3.7687% | 4,593 |
| Retained earnings to average equity (ytd only) | 3.2960% | 3,491 |
| Net charge-offs to loans | 0.3302% | 3,534 |
| Credit loss provision to net charge-offs | 384.8558% | 1,203 |
| Earnings coverage of net charge-offs (x) | 5.2788% | 2,869 |
| Efficiency ratio | 72.7712% | 4,254 |
| Assets per employee ($millions) | 2.6737% | 6,895 |
| Cash dividends to net income (ytd only)* | 12.5418% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8236% | 1,979 |
| Loan loss allowance to noncurrent loans | 69.8413% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 2.0767% | 3,092 |
| Noncurrent loans to loans | 2.6111% | 2,769 |
| Net loans and leases to total assets | 78.0848% | 1,724 |
| Net loans and leases to deposits | 91.5177% | 2,566 |
| Net loans and leases to core deposits | 110.7534% | 3,298 |
| Total domestic deposits to total assets | 85.3220% | 3,098 |
| Equity capital to assets | 10.1571% | 3,762 |
| Core capital (leverage) ratio | 8.3176% | 5,765 |
| Tier 1 risk-based capital ratio | 10.1127% | 6,812 |
| Total risk-based capital ratio | 11.3716% | 6,729 |
| Memoranda: | ||
| Average total assets | $321,132,670 | 2,144 |
| Average earning assets | $276,513,330 | 2,240 |
| Average equity | $31,735,000 | 2,133 |
| Average total loans | $251,988,670 | 1,938 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9119% | 396 |
| Cost of funding earning assets | 1.6492% | 5,818 |
| Net interest margin | 5.2627% | 248 |
| Noninterest income to average assets | 0.5309% | 4,051 |
| Noninterest expense to average assets | 3.6598% | 1,730 |
| Loan and lease loss provision to assets | 1.7694% | 698 |
| Net operating income to assets | -0.2082% | 6,565 |
| Return on assets (ROA) | -0.0691% | 6,479 |
| Pretax return on assets | -0.1852% | 6,560 |
| Return on Equity (ROE) | -0.7093% | 6,497 |
| Retained earnings to average equity (ytd only) | -0.7093% | 5,815 |
| Net charge-offs to loans | 0.0016% | 5,716 |
| Credit loss provision to net charge-offs | 143,300.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 1,107.0000% | 10 |
| Efficiency ratio | 72.0953% | 4,178 |
| Assets per employee ($millions) | 2.7922% | 6,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 1,630 |
| Loan loss allowance to noncurrent loans | 82.0657% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.8145% | 3,195 |
| Noncurrent loans to loans | 2.3063% | 2,851 |
| Net loans and leases to total assets | 77.1882% | 1,995 |
| Net loans and leases to deposits | 89.8097% | 2,961 |
| Net loans and leases to core deposits | 115.3543% | 2,866 |
| Total domestic deposits to total assets | 85.9465% | 2,756 |
| Equity capital to assets | 9.7305% | 4,334 |
| Core capital (leverage) ratio | 8.1249% | 6,244 |
| Tier 1 risk-based capital ratio | 9.4195% | 7,498 |
| Total risk-based capital ratio | 10.6779% | 7,440 |
| Memoranda: | ||
| Average total assets | $323,952,500 | 2,141 |
| Average earning assets | $276,739,000 | 2,256 |
| Average equity | $31,580,000 | 2,143 |
| Average total loans | $252,519,000 | 1,948 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1593% | 804 |
| Cost of funding earning assets | 2.0424% | 6,273 |
| Net interest margin | 5.1169% | 387 |
| Noninterest income to average assets | 0.6345% | 3,600 |
| Noninterest expense to average assets | 3.6396% | 2,062 |
| Loan and lease loss provision to assets | 0.4150% | 3,208 |
| Net operating income to assets | 0.7190% | 3,812 |
| Return on assets (ROA) | 0.5489% | 4,385 |
| Pretax return on assets | 0.7439% | 4,267 |
| Return on Equity (ROE) | 5.2902% | 4,244 |
| Retained earnings to average equity (ytd only) | 0.7836% | 4,751 |
| Net charge-offs to loans | 0.1754% | 4,443 |
| Credit loss provision to net charge-offs | 325.0639% | 1,386 |
| Earnings coverage of net charge-offs (x) | 10.8772% | 2,451 |
| Efficiency ratio | 71.6215% | 4,009 |
| Assets per employee ($millions) | 2.8930% | 6,330 |
| Cash dividends to net income (ytd only)* | 85.1874% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 3,449 |
| Loan loss allowance to noncurrent loans | 62.3919% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.6774% | 2,897 |
| Noncurrent loans to loans | 2.1722% | 2,543 |
| Net loans and leases to total assets | 76.1752% | 2,572 |
| Net loans and leases to deposits | 90.7426% | 3,328 |
| Net loans and leases to core deposits | 113.3632% | 3,410 |
| Total domestic deposits to total assets | 83.9464% | 3,351 |
| Equity capital to assets | 9.7662% | 4,335 |
| Core capital (leverage) ratio | 8.2742% | 6,002 |
| Tier 1 risk-based capital ratio | 9.5137% | 7,287 |
| Total risk-based capital ratio | 10.7656% | 7,213 |
| Memoranda: | ||
| Average total assets | $306,238,600 | 2,171 |
| Average earning assets | $262,971,200 | 2,265 |
| Average equity | $31,775,600 | 2,125 |
| Average total loans | $222,917,000 | 2,102 |