Home > Penn Security Bank and Trust Company > Performance and Condition Ratios
Penn Security Bank and Trust Company, 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 | 4.2292% | 3,276 |
| Cost of funding earning assets | 0.4742% | 4,026 |
| Net interest margin | 3.7550% | 2,824 |
| Noninterest income to average assets | 1.2720% | 906 |
| Noninterest expense to average assets | 3.0953% | 2,670 |
| Loan and lease loss provision to assets | 0.1926% | 1,896 |
| Net operating income to assets | 1.1249% | 1,911 |
| Return on assets (ROA) | 1.1314% | 1,950 |
| Pretax return on assets | 1.3827% | 1,988 |
| Return on Equity (ROE) | 8.0296% | 3,112 |
| Retained earnings to average equity (ytd only) | 3.7678% | 4,005 |
| Net charge-offs to loans | 0.0842% | 3,743 |
| Credit loss provision to net charge-offs | 327.9703% | 784 |
| Earnings coverage of net charge-offs (x) | 26.6932% | 1,341 |
| Efficiency ratio | 65.8407% | 4,514 |
| Assets per employee ($millions) | 4.3923% | 3,066 |
| Cash dividends to net income (ytd only)* | 53.0765% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 4,861 |
| Loan loss allowance to noncurrent loans | 236.7930% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 5,288 |
| Noncurrent loans to loans | 0.5067% | 4,929 |
| Net loans and leases to total assets | 70.9358% | 1,797 |
| Net loans and leases to deposits | 88.9827% | 1,271 |
| Net loans and leases to core deposits | 94.9492% | 1,478 |
| Total domestic deposits to total assets | 79.7187% | 5,576 |
| Equity capital to assets | 14.2367% | 898 |
| Core capital (leverage) ratio | 11.4461% | 2,086 |
| Tier 1 risk-based capital ratio | 15.7977% | 3,302 |
| Total risk-based capital ratio | 17.0288% | 3,269 |
| Memoranda: | ||
| Average total assets | $917,409,250 | 723 |
| Average earning assets | $828,381,000 | 725 |
| Average equity | $129,268,500 | 554 |
| Average total loans | $639,528,000 | 661 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 3,178 |
| Cost of funding earning assets | 0.4808% | 4,089 |
| Net interest margin | 3.7622% | 2,710 |
| Noninterest income to average assets | 1.2535% | 990 |
| Noninterest expense to average assets | 3.0363% | 2,886 |
| Loan and lease loss provision to assets | 0.1742% | 2,165 |
| Net operating income to assets | 1.1500% | 1,744 |
| Return on assets (ROA) | 1.1538% | 1,843 |
| Pretax return on assets | 1.4447% | 1,784 |
| Return on Equity (ROE) | 8.2169% | 2,978 |
| Retained earnings to average equity (ytd only) | 3.9503% | 3,783 |
| Net charge-offs to loans | 0.0625% | 3,812 |
| Credit loss provision to net charge-offs | 404.0404% | 651 |
| Earnings coverage of net charge-offs (x) | 37.4444% | 968 |
| Efficiency ratio | 64.7301% | 4,752 |
| Assets per employee ($millions) | 4.3818% | 3,034 |
| Cash dividends to net income (ytd only)* | 51.9245% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 5,119 |
| Loan loss allowance to noncurrent loans | 229.1958% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4634% | 5,115 |
| Noncurrent loans to loans | 0.5130% | 4,986 |
| Net loans and leases to total assets | 69.3161% | 2,015 |
| Net loans and leases to deposits | 86.5844% | 1,503 |
| Net loans and leases to core deposits | 92.2188% | 1,686 |
| Total domestic deposits to total assets | 80.0561% | 5,590 |
| Equity capital to assets | 14.0857% | 943 |
| Core capital (leverage) ratio | 11.2004% | 2,171 |
| Tier 1 risk-based capital ratio | 15.9686% | 3,213 |
| Total risk-based capital ratio | 17.1688% | 3,185 |
| Memoranda: | ||
| Average total assets | $918,676,330 | 722 |
| Average earning assets | $829,470,330 | 722 |
| Average equity | $129,002,000 | 559 |
| Average total loans | $634,055,330 | 661 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 3,026 |
| Cost of funding earning assets | 0.4970% | 4,121 |
| Net interest margin | 3.7725% | 2,552 |
| Noninterest income to average assets | 1.1846% | 1,069 |
| Noninterest expense to average assets | 3.0892% | 2,713 |
| Loan and lease loss provision to assets | 0.1304% | 2,616 |
| Net operating income to assets | 1.0677% | 1,969 |
| Return on assets (ROA) | 1.0677% | 2,082 |
| Pretax return on assets | 1.3737% | 1,951 |
| Return on Equity (ROE) | 7.6153% | 3,155 |
| Retained earnings to average equity (ytd only) | 3.3487% | 4,243 |
| Net charge-offs to loans | 0.0889% | 2,950 |
| Credit loss provision to net charge-offs | 214.2857% | 1,031 |
| Earnings coverage of net charge-offs (x) | 24.7143% | 1,074 |
| Efficiency ratio | 66.6477% | 4,546 |
| Assets per employee ($millions) | 4.4094% | 3,139 |
| Cash dividends to net income (ytd only)* | 56.0261% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 5,533 |
| Loan loss allowance to noncurrent loans | 183.1530% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4962% | 5,138 |
| Noncurrent loans to loans | 0.6101% | 4,919 |
| Net loans and leases to total assets | 67.9468% | 2,019 |
| Net loans and leases to deposits | 84.8648% | 1,487 |
| Net loans and leases to core deposits | 90.1576% | 1,682 |
| Total domestic deposits to total assets | 80.0648% | 5,739 |
| Equity capital to assets | 13.9712% | 1,034 |
| Core capital (leverage) ratio | 11.4102% | 1,941 |
| Tier 1 risk-based capital ratio | 16.2441% | 3,130 |
| Total risk-based capital ratio | 17.3888% | 3,145 |
| Memoranda: | ||
| Average total assets | $920,111,500 | 728 |
| Average earning assets | $831,387,000 | 726 |
| Average equity | $129,004,000 | 566 |
| Average total loans | $629,906,500 | 666 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 3,216 |
| Cost of funding earning assets | 0.6497% | 3,917 |
| Net interest margin | 3.8985% | 2,834 |
| Noninterest income to average assets | 1.2163% | 1,056 |
| Noninterest expense to average assets | 3.1750% | 2,696 |
| Loan and lease loss provision to assets | 0.1010% | 4,378 |
| Net operating income to assets | 1.1281% | 1,846 |
| Return on assets (ROA) | 1.1434% | 1,962 |
| Pretax return on assets | 1.4777% | 1,749 |
| Return on Equity (ROE) | 8.2245% | 2,993 |
| Retained earnings to average equity (ytd only) | 3.8956% | 3,452 |
| Net charge-offs to loans | 0.1080% | 4,585 |
| Credit loss provision to net charge-offs | 134.8905% | 2,070 |
| Earnings coverage of net charge-offs (x) | 20.8146% | 1,335 |
| Efficiency ratio | 66.4519% | 4,422 |
| Assets per employee ($millions) | 4.2523% | 3,457 |
| Cash dividends to net income (ytd only)* | 52.6346% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 5,490 |
| Loan loss allowance to noncurrent loans | 253.9277% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 5,584 |
| Noncurrent loans to loans | 0.4390% | 5,401 |
| Net loans and leases to total assets | 67.4415% | 2,291 |
| Net loans and leases to deposits | 85.4037% | 1,593 |
| Net loans and leases to core deposits | 90.9344% | 1,727 |
| Total domestic deposits to total assets | 78.9679% | 5,898 |
| Equity capital to assets | 14.0704% | 1,022 |
| Core capital (leverage) ratio | 11.0814% | 2,183 |
| Tier 1 risk-based capital ratio | 16.2135% | 3,042 |
| Total risk-based capital ratio | 17.3496% | 3,060 |
| Memoranda: | ||
| Average total assets | $914,569,600 | 720 |
| Average earning assets | $825,249,800 | 724 |
| Average equity | $127,144,400 | 565 |
| Average total loans | $634,082,000 | 653 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 3,282 |
| Cost of funding earning assets | 0.6699% | 4,020 |
| Net interest margin | 3.9110% | 2,879 |
| Noninterest income to average assets | 1.2407% | 971 |
| Noninterest expense to average assets | 3.1928% | 2,586 |
| Loan and lease loss provision to assets | 0.1133% | 4,146 |
| Net operating income to assets | 1.1353% | 1,968 |
| Return on assets (ROA) | 1.1481% | 2,113 |
| Pretax return on assets | 1.4831% | 1,941 |
| Return on Equity (ROE) | 8.2835% | 3,144 |
| Retained earnings to average equity (ytd only) | 3.9430% | 4,108 |
| Net charge-offs to loans | 0.1093% | 4,298 |
| Credit loss provision to net charge-offs | 148.8506% | 1,900 |
| Earnings coverage of net charge-offs (x) | 20.7606% | 1,433 |
| Efficiency ratio | 66.2798% | 4,401 |
| Assets per employee ($millions) | 4.2663% | 3,346 |
| Cash dividends to net income (ytd only)* | 52.3997% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 5,760 |
| Loan loss allowance to noncurrent loans | 167.3313% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 5,365 |
| Noncurrent loans to loans | 0.6514% | 5,144 |
| Net loans and leases to total assets | 69.8871% | 1,927 |
| Net loans and leases to deposits | 89.6391% | 1,193 |
| Net loans and leases to core deposits | 96.0720% | 1,409 |
| Total domestic deposits to total assets | 77.9650% | 6,087 |
| Equity capital to assets | 14.1904% | 1,081 |
| Core capital (leverage) ratio | 11.0937% | 2,305 |
| Tier 1 risk-based capital ratio | 15.6854% | 3,436 |
| Total risk-based capital ratio | 16.7967% | 3,469 |
| Memoranda: | ||
| Average total assets | $914,651,000 | 725 |
| Average earning assets | $825,989,750 | 728 |
| Average equity | $126,771,000 | 568 |
| Average total loans | $636,720,000 | 650 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6116% | 3,310 |
| Cost of funding earning assets | 0.6965% | 4,042 |
| Net interest margin | 3.9151% | 2,844 |
| Noninterest income to average assets | 1.1766% | 1,032 |
| Noninterest expense to average assets | 3.1748% | 2,670 |
| Loan and lease loss provision to assets | 0.0667% | 4,799 |
| Net operating income to assets | 1.1418% | 1,907 |
| Return on assets (ROA) | 1.1605% | 2,052 |
| Pretax return on assets | 1.4958% | 1,858 |
| Return on Equity (ROE) | 8.4391% | 3,051 |
| Retained earnings to average equity (ytd only) | 4.0793% | 3,891 |
| Net charge-offs to loans | 0.0248% | 5,038 |
| Credit loss provision to net charge-offs | 387.3418% | 767 |
| Earnings coverage of net charge-offs (x) | 89.3924% | 469 |
| Efficiency ratio | 66.7206% | 4,379 |
| Assets per employee ($millions) | 4.2163% | 3,427 |
| Cash dividends to net income (ytd only)* | 51.6613% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 5,841 |
| Loan loss allowance to noncurrent loans | 194.4507% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4715% | 5,586 |
| Noncurrent loans to loans | 0.5584% | 5,396 |
| Net loans and leases to total assets | 69.3999% | 2,028 |
| Net loans and leases to deposits | 88.7146% | 1,288 |
| Net loans and leases to core deposits | 96.8403% | 1,366 |
| Total domestic deposits to total assets | 78.2283% | 6,111 |
| Equity capital to assets | 13.9068% | 1,139 |
| Core capital (leverage) ratio | 10.8995% | 2,392 |
| Tier 1 risk-based capital ratio | 15.3650% | 3,530 |
| Total risk-based capital ratio | 16.4649% | 3,586 |
| Memoranda: | ||
| Average total assets | $918,051,330 | 723 |
| Average earning assets | $829,296,330 | 728 |
| Average equity | $126,246,330 | 570 |
| Average total loans | $635,940,000 | 654 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 3,336 |
| Cost of funding earning assets | 0.7112% | 4,189 |
| Net interest margin | 3.9248% | 2,825 |
| Noninterest income to average assets | 1.2359% | 933 |
| Noninterest expense to average assets | 3.1519% | 2,753 |
| Loan and lease loss provision to assets | 0.0833% | 4,343 |
| Net operating income to assets | 1.1877% | 1,776 |
| Return on assets (ROA) | 1.2034% | 1,907 |
| Pretax return on assets | 1.5679% | 1,672 |
| Return on Equity (ROE) | 8.8001% | 2,907 |
| Retained earnings to average equity (ytd only) | 4.4334% | 3,938 |
| Net charge-offs to loans | 0.0580% | 3,925 |
| Credit loss provision to net charge-offs | 208.6957% | 1,300 |
| Earnings coverage of net charge-offs (x) | 40.8478% | 740 |
| Efficiency ratio | 65.2300% | 4,691 |
| Assets per employee ($millions) | 4.2119% | 3,554 |
| Cash dividends to net income (ytd only)* | 49.6213% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 6,013 |
| Loan loss allowance to noncurrent loans | 197.9366% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 5,468 |
| Noncurrent loans to loans | 0.5399% | 5,580 |
| Net loans and leases to total assets | 68.3563% | 2,051 |
| Net loans and leases to deposits | 86.9759% | 1,295 |
| Net loans and leases to core deposits | 95.6841% | 1,318 |
| Total domestic deposits to total assets | 78.5922% | 6,163 |
| Equity capital to assets | 13.7403% | 1,121 |
| Core capital (leverage) ratio | 10.9149% | 2,331 |
| Tier 1 risk-based capital ratio | 15.4361% | 3,480 |
| Total risk-based capital ratio | 16.5157% | 3,539 |
| Memoranda: | ||
| Average total assets | $921,722,000 | 723 |
| Average earning assets | $832,958,000 | 722 |
| Average equity | $126,044,000 | 569 |
| Average total loans | $634,425,000 | 653 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 4,041 |
| Cost of funding earning assets | 0.8786% | 4,264 |
| Net interest margin | 3.8697% | 3,473 |
| Noninterest income to average assets | 1.3021% | 761 |
| Noninterest expense to average assets | 3.1054% | 3,177 |
| Loan and lease loss provision to assets | 0.2577% | 3,632 |
| Net operating income to assets | 1.1169% | 1,769 |
| Return on assets (ROA) | 1.1345% | 1,833 |
| Pretax return on assets | 1.4601% | 1,597 |
| Return on Equity (ROE) | 8.5851% | 2,640 |
| Retained earnings to average equity (ytd only) | 4.0771% | 3,291 |
| Net charge-offs to loans | 0.3484% | 3,656 |
| Credit loss provision to net charge-offs | 109.7235% | 3,055 |
| Earnings coverage of net charge-offs (x) | 7.2184% | 2,374 |
| Efficiency ratio | 64.0004% | 5,129 |
| Assets per employee ($millions) | 4.2445% | 3,382 |
| Cash dividends to net income (ytd only)* | 52.5091% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 5,949 |
| Loan loss allowance to noncurrent loans | 170.3299% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5983% | 5,465 |
| Noncurrent loans to loans | 0.6239% | 5,468 |
| Net loans and leases to total assets | 67.8371% | 2,433 |
| Net loans and leases to deposits | 86.7145% | 1,574 |
| Net loans and leases to core deposits | 95.3306% | 1,558 |
| Total domestic deposits to total assets | 78.2304% | 6,150 |
| Equity capital to assets | 13.6093% | 1,216 |
| Core capital (leverage) ratio | 10.4154% | 2,830 |
| Tier 1 risk-based capital ratio | 15.3689% | 3,409 |
| Total risk-based capital ratio | 16.4559% | 3,473 |
| Memoranda: | ||
| Average total assets | $923,951,800 | 706 |
| Average earning assets | $835,334,000 | 709 |
| Average equity | $122,095,200 | 570 |
| Average total loans | $622,858,600 | 668 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 4,173 |
| Cost of funding earning assets | 0.8940% | 4,439 |
| Net interest margin | 3.8702% | 3,521 |
| Noninterest income to average assets | 1.3656% | 702 |
| Noninterest expense to average assets | 3.1343% | 3,043 |
| Loan and lease loss provision to assets | 0.2470% | 3,536 |
| Net operating income to assets | 1.1377% | 1,851 |
| Return on assets (ROA) | 1.1574% | 1,902 |
| Pretax return on assets | 1.5081% | 1,633 |
| Return on Equity (ROE) | 8.8244% | 2,684 |
| Retained earnings to average equity (ytd only) | 4.2863% | 3,679 |
| Net charge-offs to loans | 0.3226% | 3,488 |
| Credit loss provision to net charge-offs | 114.0479% | 2,867 |
| Earnings coverage of net charge-offs (x) | 7.9853% | 2,268 |
| Efficiency ratio | 63.7603% | 5,117 |
| Assets per employee ($millions) | 4.3794% | 3,113 |
| Cash dividends to net income (ytd only)* | 51.4264% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 6,037 |
| Loan loss allowance to noncurrent loans | 159.1416% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6687% | 5,470 |
| Noncurrent loans to loans | 0.6611% | 5,564 |
| Net loans and leases to total assets | 66.7187% | 2,736 |
| Net loans and leases to deposits | 86.2568% | 1,655 |
| Net loans and leases to core deposits | 98.5280% | 1,387 |
| Total domestic deposits to total assets | 77.3489% | 6,321 |
| Equity capital to assets | 13.2051% | 1,514 |
| Core capital (leverage) ratio | 10.3068% | 3,075 |
| Tier 1 risk-based capital ratio | 15.1014% | 3,608 |
| Total risk-based capital ratio | 16.1852% | 3,673 |
| Memoranda: | ||
| Average total assets | $924,678,250 | 714 |
| Average earning assets | $835,765,500 | 713 |
| Average equity | $121,282,000 | 577 |
| Average total loans | $620,692,750 | 677 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 4,025 |
| Cost of funding earning assets | 0.9211% | 4,514 |
| Net interest margin | 3.8958% | 3,326 |
| Noninterest income to average assets | 1.3250% | 718 |
| Noninterest expense to average assets | 3.1153% | 3,194 |
| Loan and lease loss provision to assets | 0.2764% | 3,165 |
| Net operating income to assets | 1.1200% | 1,819 |
| Return on assets (ROA) | 1.1452% | 1,813 |
| Pretax return on assets | 1.4867% | 1,571 |
| Return on Equity (ROE) | 8.7515% | 2,617 |
| Retained earnings to average equity (ytd only) | 4.1675% | 3,542 |
| Net charge-offs to loans | 0.3438% | 3,188 |
| Credit loss provision to net charge-offs | 119.9622% | 2,551 |
| Earnings coverage of net charge-offs (x) | 7.5109% | 2,210 |
| Efficiency ratio | 63.5840% | 5,322 |
| Assets per employee ($millions) | 4.2255% | 3,303 |
| Cash dividends to net income (ytd only)* | 52.3791% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 6,016 |
| Loan loss allowance to noncurrent loans | 100.1044% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 5,431 |
| Noncurrent loans to loans | 1.0834% | 4,856 |
| Net loans and leases to total assets | 65.8440% | 3,062 |
| Net loans and leases to deposits | 85.3846% | 1,881 |
| Net loans and leases to core deposits | 98.2493% | 1,489 |
| Total domestic deposits to total assets | 77.1146% | 6,434 |
| Equity capital to assets | 13.1506% | 1,448 |
| Core capital (leverage) ratio | 10.2586% | 2,965 |
| Tier 1 risk-based capital ratio | 15.0646% | 3,458 |
| Total risk-based capital ratio | 16.1723% | 3,510 |
| Memoranda: | ||
| Average total assets | $917,585,670 | 726 |
| Average earning assets | $829,257,000 | 727 |
| Average equity | $120,071,330 | 584 |
| Average total loans | $614,976,670 | 694 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 3,746 |
| Cost of funding earning assets | 0.9200% | 4,777 |
| Net interest margin | 3.9451% | 2,937 |
| Noninterest income to average assets | 1.4463% | 606 |
| Noninterest expense to average assets | 3.2647% | 2,662 |
| Loan and lease loss provision to assets | 0.1619% | 4,009 |
| Net operating income to assets | 1.2129% | 1,494 |
| Return on assets (ROA) | 1.2146% | 1,541 |
| Pretax return on assets | 1.5915% | 1,214 |
| Return on Equity (ROE) | 9.3056% | 2,345 |
| Retained earnings to average equity (ytd only) | 4.6797% | 3,389 |
| Net charge-offs to loans | 0.0450% | 4,491 |
| Credit loss provision to net charge-offs | 534.7826% | 680 |
| Earnings coverage of net charge-offs (x) | 57.8406% | 511 |
| Efficiency ratio | 64.3601% | 5,306 |
| Assets per employee ($millions) | 4.0473% | 3,744 |
| Cash dividends to net income (ytd only)* | 49.7110% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 5,996 |
| Loan loss allowance to noncurrent loans | 112.5641% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 5,400 |
| Noncurrent loans to loans | 0.9887% | 5,064 |
| Net loans and leases to total assets | 66.3504% | 2,917 |
| Net loans and leases to deposits | 86.2575% | 1,689 |
| Net loans and leases to core deposits | 98.9512% | 1,434 |
| Total domestic deposits to total assets | 76.9213% | 6,547 |
| Equity capital to assets | 13.1379% | 1,321 |
| Core capital (leverage) ratio | 10.2544% | 2,859 |
| Tier 1 risk-based capital ratio | 15.1277% | 3,359 |
| Total risk-based capital ratio | 16.2683% | 3,375 |
| Memoranda: | ||
| Average total assets | $911,573,000 | 735 |
| Average earning assets | $824,819,000 | 737 |
| Average equity | $118,982,500 | 584 |
| Average total loans | $613,063,000 | 703 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2083% | 3,562 |
| Cost of funding earning assets | 1.0435% | 5,462 |
| Net interest margin | 4.1648% | 2,309 |
| Noninterest income to average assets | 1.3036% | 865 |
| Noninterest expense to average assets | 3.1971% | 3,106 |
| Loan and lease loss provision to assets | 0.2248% | 5,034 |
| Net operating income to assets | 1.2748% | 1,236 |
| Return on assets (ROA) | 1.2832% | 1,273 |
| Pretax return on assets | 1.6423% | 1,048 |
| Return on Equity (ROE) | 9.7471% | 2,021 |
| Retained earnings to average equity (ytd only) | 5.0465% | 2,382 |
| Net charge-offs to loans | 0.2945% | 4,548 |
| Credit loss provision to net charge-offs | 111.1173% | 3,953 |
| Earnings coverage of net charge-offs (x) | 9.1773% | 1,863 |
| Efficiency ratio | 62.5083% | 5,630 |
| Assets per employee ($millions) | 4.0736% | 3,630 |
| Cash dividends to net income (ytd only)* | 48.2257% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 6,123 |
| Loan loss allowance to noncurrent loans | 114.7599% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 5,581 |
| Noncurrent loans to loans | 0.9208% | 5,217 |
| Net loans and leases to total assets | 66.6969% | 3,300 |
| Net loans and leases to deposits | 88.0705% | 1,781 |
| Net loans and leases to core deposits | 101.5057% | 1,493 |
| Total domestic deposits to total assets | 75.7312% | 6,667 |
| Equity capital to assets | 12.9671% | 1,403 |
| Core capital (leverage) ratio | 10.1619% | 2,911 |
| Tier 1 risk-based capital ratio | 14.6603% | 3,442 |
| Total risk-based capital ratio | 15.7437% | 3,504 |
| Memoranda: | ||
| Average total assets | $889,428,800 | 756 |
| Average earning assets | $800,783,600 | 761 |
| Average equity | $117,090,800 | 577 |
| Average total loans | $610,835,800 | 729 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 3,530 |
| Cost of funding earning assets | 1.0599% | 5,648 |
| Net interest margin | 4.2005% | 2,212 |
| Noninterest income to average assets | 1.3098% | 803 |
| Noninterest expense to average assets | 3.1737% | 3,017 |
| Loan and lease loss provision to assets | 0.2600% | 4,505 |
| Net operating income to assets | 1.2820% | 1,371 |
| Return on assets (ROA) | 1.2916% | 1,435 |
| Pretax return on assets | 1.6667% | 1,175 |
| Return on Equity (ROE) | 9.7729% | 2,219 |
| Retained earnings to average equity (ytd only) | 5.0600% | 2,944 |
| Net charge-offs to loans | 0.3330% | 3,993 |
| Credit loss provision to net charge-offs | 113.1320% | 3,713 |
| Earnings coverage of net charge-offs (x) | 8.3303% | 2,180 |
| Efficiency ratio | 61.6115% | 5,681 |
| Assets per employee ($millions) | 4.0951% | 3,646 |
| Cash dividends to net income (ytd only)* | 48.2243% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 6,179 |
| Loan loss allowance to noncurrent loans | 108.9507% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.7684% | 5,567 |
| Noncurrent loans to loans | 0.9614% | 5,310 |
| Net loans and leases to total assets | 68.4689% | 3,109 |
| Net loans and leases to deposits | 90.6315% | 1,634 |
| Net loans and leases to core deposits | 102.5389% | 1,598 |
| Total domestic deposits to total assets | 75.5464% | 6,732 |
| Equity capital to assets | 13.3967% | 1,395 |
| Core capital (leverage) ratio | 10.4277% | 2,769 |
| Tier 1 risk-based capital ratio | 15.0064% | 3,252 |
| Total risk-based capital ratio | 16.0988% | 3,303 |
| Memoranda: | ||
| Average total assets | $883,662,500 | 762 |
| Average earning assets | $794,807,750 | 765 |
| Average equity | $116,782,500 | 573 |
| Average total loans | $609,768,500 | 729 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3023% | 3,462 |
| Cost of funding earning assets | 1.0635% | 5,857 |
| Net interest margin | 4.2388% | 2,024 |
| Noninterest income to average assets | 1.2035% | 893 |
| Noninterest expense to average assets | 3.1472% | 3,108 |
| Loan and lease loss provision to assets | 0.1968% | 4,897 |
| Net operating income to assets | 1.2979% | 1,312 |
| Return on assets (ROA) | 1.3124% | 1,346 |
| Pretax return on assets | 1.6887% | 1,073 |
| Return on Equity (ROE) | 9.9774% | 2,115 |
| Retained earnings to average equity (ytd only) | 5.2187% | 2,762 |
| Net charge-offs to loans | 0.2194% | 4,285 |
| Credit loss provision to net charge-offs | 130.0752% | 3,092 |
| Earnings coverage of net charge-offs (x) | 12.3414% | 1,684 |
| Efficiency ratio | 61.9743% | 5,694 |
| Assets per employee ($millions) | 4.0503% | 3,674 |
| Cash dividends to net income (ytd only)* | 47.6950% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 6,099 |
| Loan loss allowance to noncurrent loans | 179.8561% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 6,087 |
| Noncurrent loans to loans | 0.5927% | 6,062 |
| Net loans and leases to total assets | 68.6349% | 3,210 |
| Net loans and leases to deposits | 92.1980% | 1,497 |
| Net loans and leases to core deposits | 101.7251% | 1,849 |
| Total domestic deposits to total assets | 74.4430% | 6,920 |
| Equity capital to assets | 13.3827% | 1,397 |
| Core capital (leverage) ratio | 10.2583% | 2,883 |
| Tier 1 risk-based capital ratio | 14.8945% | 3,210 |
| Total risk-based capital ratio | 16.0116% | 3,261 |
| Memoranda: | ||
| Average total assets | $879,271,670 | 766 |
| Average earning assets | $790,405,330 | 771 |
| Average equity | $115,661,330 | 574 |
| Average total loans | $606,173,670 | 745 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 3,358 |
| Cost of funding earning assets | 1.0658% | 6,061 |
| Net interest margin | 4.2713% | 1,779 |
| Noninterest income to average assets | 1.2321% | 808 |
| Noninterest expense to average assets | 3.1988% | 2,869 |
| Loan and lease loss provision to assets | 0.1492% | 5,057 |
| Net operating income to assets | 1.3519% | 1,180 |
| Return on assets (ROA) | 1.3527% | 1,246 |
| Pretax return on assets | 1.7238% | 1,013 |
| Return on Equity (ROE) | 10.3731% | 1,994 |
| Retained earnings to average equity (ytd only) | 5.5737% | 2,828 |
| Net charge-offs to loans | 0.0847% | 4,581 |
| Credit loss provision to net charge-offs | 256.2500% | 1,514 |
| Earnings coverage of net charge-offs (x) | 32.1563% | 834 |
| Efficiency ratio | 62.2567% | 5,784 |
| Assets per employee ($millions) | 4.0707% | 3,708 |
| Cash dividends to net income (ytd only)* | 46.2677% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 6,125 |
| Loan loss allowance to noncurrent loans | 172.7804% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 6,132 |
| Noncurrent loans to loans | 0.6220% | 6,067 |
| Net loans and leases to total assets | 68.0467% | 3,376 |
| Net loans and leases to deposits | 92.2554% | 1,578 |
| Net loans and leases to core deposits | 99.0435% | 2,230 |
| Total domestic deposits to total assets | 73.7591% | 7,077 |
| Equity capital to assets | 13.1387% | 1,467 |
| Core capital (leverage) ratio | 10.2959% | 2,815 |
| Tier 1 risk-based capital ratio | 15.4087% | 2,913 |
| Total risk-based capital ratio | 16.5539% | 2,917 |
| Memoranda: | ||
| Average total assets | $879,455,000 | 784 |
| Average earning assets | $790,390,000 | 784 |
| Average equity | $114,681,500 | 584 |
| Average total loans | $604,392,500 | 762 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 3,065 |
| Cost of funding earning assets | 1.3635% | 6,077 |
| Net interest margin | 4.3440% | 1,591 |
| Noninterest income to average assets | 1.3288% | 845 |
| Noninterest expense to average assets | 3.6744% | 1,969 |
| Loan and lease loss provision to assets | 0.2921% | 5,090 |
| Net operating income to assets | 1.0504% | 1,666 |
| Return on assets (ROA) | 1.1402% | 1,439 |
| Pretax return on assets | 1.4188% | 1,387 |
| Return on Equity (ROE) | 9.2368% | 1,942 |
| Retained earnings to average equity (ytd only) | 3.9709% | 2,423 |
| Net charge-offs to loans | 0.2323% | 5,162 |
| Credit loss provision to net charge-offs | 182.9960% | 2,247 |
| Earnings coverage of net charge-offs (x) | 10.0162% | 1,731 |
| Efficiency ratio | 69.2351% | 4,782 |
| Assets per employee ($millions) | 3.9803% | 3,853 |
| Cash dividends to net income (ytd only)* | 57.0101% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 6,162 |
| Loan loss allowance to noncurrent loans | 156.0951% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 6,156 |
| Noncurrent loans to loans | 0.6682% | 5,901 |
| Net loans and leases to total assets | 67.9449% | 3,713 |
| Net loans and leases to deposits | 92.5974% | 1,802 |
| Net loans and leases to core deposits | 105.4562% | 3,403 |
| Total domestic deposits to total assets | 73.3767% | 7,106 |
| Equity capital to assets | 12.9414% | 1,530 |
| Core capital (leverage) ratio | 10.1369% | 2,964 |
| Tier 1 risk-based capital ratio | 15.1942% | 2,845 |
| Total risk-based capital ratio | 16.3102% | 2,862 |
| Memoranda: | ||
| Average total assets | $773,804,400 | 884 |
| Average earning assets | $702,607,000 | 888 |
| Average equity | $95,520,400 | 685 |
| Average total loans | $531,732,200 | 896 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7805% | 2,979 |
| Cost of funding earning assets | 1.4401% | 6,080 |
| Net interest margin | 4.3404% | 1,614 |
| Noninterest income to average assets | 1.4240% | 736 |
| Noninterest expense to average assets | 3.7604% | 1,687 |
| Loan and lease loss provision to assets | 0.2806% | 4,734 |
| Net operating income to assets | 1.0833% | 1,788 |
| Return on assets (ROA) | 1.1320% | 1,706 |
| Pretax return on assets | 1.3935% | 1,713 |
| Return on Equity (ROE) | 9.3025% | 2,160 |
| Retained earnings to average equity (ytd only) | 3.9453% | 3,074 |
| Net charge-offs to loans | 0.1422% | 5,277 |
| Credit loss provision to net charge-offs | 287.0438% | 1,454 |
| Earnings coverage of net charge-offs (x) | 16.5091% | 1,467 |
| Efficiency ratio | 69.5635% | 4,680 |
| Assets per employee ($millions) | 3.9106% | 3,910 |
| Cash dividends to net income (ytd only)* | 57.5887% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 5,987 |
| Loan loss allowance to noncurrent loans | 127.4788% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 5,973 |
| Noncurrent loans to loans | 0.8270% | 5,643 |
| Net loans and leases to total assets | 68.1067% | 3,933 |
| Net loans and leases to deposits | 92.8312% | 2,089 |
| Net loans and leases to core deposits | 106.4125% | 3,656 |
| Total domestic deposits to total assets | 73.3662% | 7,038 |
| Equity capital to assets | 13.0989% | 1,659 |
| Core capital (leverage) ratio | 10.1984% | 3,069 |
| Tier 1 risk-based capital ratio | 15.1607% | 2,972 |
| Total risk-based capital ratio | 16.2898% | 2,959 |
| Memoranda: | ||
| Average total assets | $747,345,750 | 925 |
| Average earning assets | $680,196,500 | 925 |
| Average equity | $90,941,000 | 716 |
| Average total loans | $513,672,750 | 944 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8126% | 2,990 |
| Cost of funding earning assets | 1.4705% | 6,255 |
| Net interest margin | 4.3421% | 1,544 |
| Noninterest income to average assets | 1.3766% | 809 |
| Noninterest expense to average assets | 3.9724% | 1,365 |
| Loan and lease loss provision to assets | 0.3482% | 3,835 |
| Net operating income to assets | 0.8490% | 2,657 |
| Return on assets (ROA) | 0.9218% | 2,467 |
| Pretax return on assets | 1.1068% | 2,615 |
| Return on Equity (ROE) | 7.8201% | 2,846 |
| Retained earnings to average equity (ytd only) | 2.3540% | 4,028 |
| Net charge-offs to loans | 0.1878% | 4,385 |
| Credit loss provision to net charge-offs | 269.9561% | 1,729 |
| Earnings coverage of net charge-offs (x) | 10.6009% | 1,979 |
| Efficiency ratio | 74.3935% | 3,972 |
| Assets per employee ($millions) | 3.8320% | 4,020 |
| Cash dividends to net income (ytd only)* | 69.8987% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 6,013 |
| Loan loss allowance to noncurrent loans | 162.8095% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 6,137 |
| Noncurrent loans to loans | 0.6334% | 5,981 |
| Net loans and leases to total assets | 68.2553% | 4,119 |
| Net loans and leases to deposits | 90.8258% | 2,690 |
| Net loans and leases to core deposits | 103.5418% | 4,114 |
| Total domestic deposits to total assets | 75.1497% | 6,735 |
| Equity capital to assets | 12.9040% | 1,734 |
| Core capital (leverage) ratio | 10.1206% | 3,169 |
| Tier 1 risk-based capital ratio | 15.0010% | 3,019 |
| Total risk-based capital ratio | 16.0973% | 3,019 |
| Memoranda: | ||
| Average total assets | $707,079,670 | 992 |
| Average earning assets | $645,356,670 | 989 |
| Average equity | $83,349,000 | 787 |
| Average total loans | $485,709,000 | 1,031 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4785% | 5,023 |
| Cost of funding earning assets | 1.3940% | 6,755 |
| Net interest margin | 4.0844% | 2,336 |
| Noninterest income to average assets | 1.5175% | 611 |
| Noninterest expense to average assets | 4.4793% | 726 |
| Loan and lease loss provision to assets | 0.6271% | 2,018 |
| Net operating income to assets | 0.2544% | 5,472 |
| Return on assets (ROA) | 0.2544% | 5,633 |
| Pretax return on assets | 0.1782% | 5,989 |
| Return on Equity (ROE) | 2.3041% | 5,663 |
| Retained earnings to average equity (ytd only) | -2.8402% | 6,247 |
| Net charge-offs to loans | 0.2031% | 3,418 |
| Credit loss provision to net charge-offs | 450.6787% | 1,174 |
| Earnings coverage of net charge-offs (x) | 5.7873% | 2,607 |
| Efficiency ratio | 84.7611% | 2,217 |
| Assets per employee ($millions) | 3.8619% | 3,955 |
| Cash dividends to net income (ytd only)* | 223.2673% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 3,453 |
| Loan loss allowance to noncurrent loans | 312.0165% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 6,388 |
| Noncurrent loans to loans | 0.4517% | 6,292 |
| Net loans and leases to total assets | 65.6236% | 4,663 |
| Net loans and leases to deposits | 97.2726% | 1,769 |
| Net loans and leases to core deposits | 106.8349% | 3,814 |
| Total domestic deposits to total assets | 67.4636% | 7,633 |
| Equity capital to assets | 10.8496% | 3,126 |
| Core capital (leverage) ratio | 11.4303% | 2,189 |
| Tier 1 risk-based capital ratio | 17.1250% | 2,301 |
| Total risk-based capital ratio | 18.3773% | 2,241 |
| Memoranda: | ||
| Average total assets | $635,273,000 | 1,125 |
| Average earning assets | $585,931,000 | 1,114 |
| Average equity | $70,137,000 | 962 |
| Average total loans | $435,217,000 | 1,159 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8887% | 6,095 |
| Cost of funding earning assets | 1.8875% | 6,767 |
| Net interest margin | 4.0012% | 3,104 |
| Noninterest income to average assets | 1.5971% | 550 |
| Noninterest expense to average assets | 3.5927% | 2,168 |
| Loan and lease loss provision to assets | 0.1398% | 5,569 |
| Net operating income to assets | 1.2367% | 1,659 |
| Return on assets (ROA) | 1.3918% | 1,196 |
| Pretax return on assets | 1.7908% | 963 |
| Return on Equity (ROE) | 12.5190% | 1,442 |
| Retained earnings to average equity (ytd only) | 7.3110% | 1,052 |
| Net charge-offs to loans | 0.0678% | 5,803 |
| Credit loss provision to net charge-offs | 301.0490% | 1,497 |
| Earnings coverage of net charge-offs (x) | 37.2972% | 992 |
| Efficiency ratio | 67.4737% | 4,820 |
| Assets per employee ($millions) | 3.7687% | 4,028 |
| Cash dividends to net income (ytd only)* | 41.6006% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 4,567 |
| Loan loss allowance to noncurrent loans | 202.3399% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 5,966 |
| Noncurrent loans to loans | 0.5910% | 5,608 |
| Net loans and leases to total assets | 69.6727% | 4,095 |
| Net loans and leases to deposits | 102.6209% | 1,515 |
| Net loans and leases to core deposits | 112.6925% | 3,487 |
| Total domestic deposits to total assets | 67.8933% | 7,485 |
| Equity capital to assets | 11.2372% | 2,853 |
| Core capital (leverage) ratio | 11.6709% | 2,141 |
| Tier 1 risk-based capital ratio | 17.7706% | 2,096 |
| Total risk-based capital ratio | 19.0210% | 2,039 |
| Memoranda: | ||
| Average total assets | $615,912,600 | 1,094 |
| Average earning assets | $573,776,600 | 1,077 |
| Average equity | $68,472,000 | 977 |
| Average total loans | $422,007,000 | 1,136 |