Home > Randolph Bank & Trust Company > Performance and Condition Ratios
Randolph Bank & 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 | 4.4720% | 2,339 |
| Cost of funding earning assets | 0.7575% | 1,553 |
| Net interest margin | 3.7145% | 2,975 |
| Noninterest income to average assets | 1.0171% | 1,407 |
| Noninterest expense to average assets | 4.6608% | 455 |
| Loan and lease loss provision to assets | 0.4270% | 683 |
| Net operating income to assets | -0.6396% | 6,638 |
| Return on assets (ROA) | -1.0865% | 6,718 |
| Pretax return on assets | -1.7207% | 6,775 |
| Return on Equity (ROE) | -13.8869% | 6,725 |
| Retained earnings to average equity (ytd only) | -13.8869% | 6,693 |
| Net charge-offs to loans | 3.2676% | 68 |
| Credit loss provision to net charge-offs | 22.6849% | 4,025 |
| Earnings coverage of net charge-offs (x) | -0.3163% | 4,931 |
| Efficiency ratio | 114.6482% | 214 |
| Assets per employee ($millions) | 3.3770% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1443% | 6,808 |
| Loan loss allowance to noncurrent loans | 9.5727% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 2.5657% | 1,484 |
| Noncurrent loans to loans | 1.5076% | 2,910 |
| Net loans and leases to total assets | 56.8348% | 4,201 |
| Net loans and leases to deposits | 61.8780% | 4,779 |
| Net loans and leases to core deposits | 64.3251% | 4,868 |
| Total domestic deposits to total assets | 91.8499% | 270 |
| Equity capital to assets | 5.5471% | 6,733 |
| Core capital (leverage) ratio | 3.7989% | 6,834 |
| Tier 1 risk-based capital ratio | 4.4733% | 6,861 |
| Total risk-based capital ratio | 4.6581% | 6,875 |
| Memoranda: | ||
| Average total assets | $295,994,250 | 2,181 |
| Average earning assets | $242,900,500 | 2,413 |
| Average equity | $23,158,000 | 2,832 |
| Average total loans | $170,518,000 | 2,309 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 3,467 |
| Cost of funding earning assets | 0.6900% | 2,143 |
| Net interest margin | 3.4823% | 3,850 |
| Noninterest income to average assets | 1.9440% | 464 |
| Noninterest expense to average assets | 3.8913% | 991 |
| Loan and lease loss provision to assets | 0.6318% | 395 |
| Net operating income to assets | 0.3294% | 5,489 |
| Return on assets (ROA) | 0.4245% | 5,284 |
| Pretax return on assets | 0.6638% | 4,805 |
| Return on Equity (ROE) | 4.9703% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.9703% | 3,075 |
| Net charge-offs to loans | 1.6457% | 302 |
| Credit loss provision to net charge-offs | 66.3866% | 2,908 |
| Earnings coverage of net charge-offs (x) | 1.2052% | 4,139 |
| Efficiency ratio | 77.2354% | 2,587 |
| Assets per employee ($millions) | 3.6448% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 2,689 |
| Loan loss allowance to noncurrent loans | 57.3626% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 3.9416% | 890 |
| Noncurrent loans to loans | 3.0078% | 1,478 |
| Net loans and leases to total assets | 56.1841% | 4,251 |
| Net loans and leases to deposits | 63.0777% | 4,614 |
| Net loans and leases to core deposits | 65.6032% | 4,728 |
| Total domestic deposits to total assets | 89.0711% | 1,589 |
| Equity capital to assets | 8.5085% | 5,755 |
| Core capital (leverage) ratio | 7.6165% | 6,408 |
| Tier 1 risk-based capital ratio | 12.1789% | 5,692 |
| Total risk-based capital ratio | 13.5372% | 5,578 |
| Memoranda: | ||
| Average total assets | $300,104,330 | 2,164 |
| Average earning assets | $266,664,670 | 2,217 |
| Average equity | $25,632,330 | 2,611 |
| Average total loans | $173,539,670 | 2,275 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2810% | 2,971 |
| Cost of funding earning assets | 0.7107% | 2,122 |
| Net interest margin | 3.5703% | 3,382 |
| Noninterest income to average assets | 2.3781% | 338 |
| Noninterest expense to average assets | 4.0174% | 867 |
| Loan and lease loss provision to assets | 1.2687% | 122 |
| Net operating income to assets | 0.1738% | 5,971 |
| Return on assets (ROA) | 0.3319% | 5,575 |
| Pretax return on assets | 0.5045% | 5,239 |
| Return on Equity (ROE) | 3.8783% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.8783% | 3,910 |
| Net charge-offs to loans | 1.4013% | 391 |
| Credit loss provision to net charge-offs | 155.6650% | 1,326 |
| Earnings coverage of net charge-offs (x) | 1.8818% | 3,209 |
| Efficiency ratio | 72.3722% | 3,551 |
| Assets per employee ($millions) | 3.8258% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2467% | 1,492 |
| Loan loss allowance to noncurrent loans | 66.2544% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 3.4135% | 1,264 |
| Noncurrent loans to loans | 3.3910% | 1,426 |
| Net loans and leases to total assets | 54.7469% | 4,282 |
| Net loans and leases to deposits | 61.3816% | 4,635 |
| Net loans and leases to core deposits | 63.7407% | 4,772 |
| Total domestic deposits to total assets | 89.1910% | 1,564 |
| Equity capital to assets | 8.5088% | 6,013 |
| Core capital (leverage) ratio | 7.5529% | 6,448 |
| Tier 1 risk-based capital ratio | 12.1247% | 5,836 |
| Total risk-based capital ratio | 13.4947% | 5,717 |
| Memoranda: | ||
| Average total assets | $298,896,500 | 2,198 |
| Average earning assets | $265,638,000 | 2,247 |
| Average equity | $25,578,500 | 2,652 |
| Average total loans | $173,833,500 | 2,283 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7412% | 2,425 |
| Cost of funding earning assets | 0.9534% | 1,620 |
| Net interest margin | 3.7878% | 3,280 |
| Noninterest income to average assets | 1.3082% | 896 |
| Noninterest expense to average assets | 4.0882% | 871 |
| Loan and lease loss provision to assets | 0.5651% | 1,005 |
| Net operating income to assets | -0.0348% | 6,218 |
| Return on assets (ROA) | -0.0493% | 6,345 |
| Pretax return on assets | -0.0997% | 6,363 |
| Return on Equity (ROE) | -0.5797% | 6,353 |
| Retained earnings to average equity (ytd only) | -1.1277% | 6,036 |
| Net charge-offs to loans | 0.7569% | 1,549 |
| Credit loss provision to net charge-offs | 121.8659% | 2,344 |
| Earnings coverage of net charge-offs (x) | 1.0525% | 4,942 |
| Efficiency ratio | 89.3361% | 1,120 |
| Assets per employee ($millions) | 3.6043% | 4,769 |
| Cash dividends to net income (ytd only)* | -94.5205% | 7,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9417% | 2,169 |
| Loan loss allowance to noncurrent loans | 72.3778% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 3.7256% | 1,194 |
| Noncurrent loans to loans | 2.6828% | 1,970 |
| Net loans and leases to total assets | 59.1884% | 3,756 |
| Net loans and leases to deposits | 66.4735% | 4,208 |
| Net loans and leases to core deposits | 70.0654% | 4,297 |
| Total domestic deposits to total assets | 89.0405% | 1,535 |
| Equity capital to assets | 8.6076% | 5,960 |
| Core capital (leverage) ratio | 7.4077% | 6,534 |
| Tier 1 risk-based capital ratio | 11.7048% | 5,954 |
| Total risk-based capital ratio | 13.0482% | 5,875 |
| Memoranda: | ||
| Average total assets | $295,900,200 | 2,166 |
| Average earning assets | $255,294,400 | 2,273 |
| Average equity | $25,184,000 | 2,638 |
| Average total loans | $181,263,400 | 2,185 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 2,554 |
| Cost of funding earning assets | 0.9859% | 1,647 |
| Net interest margin | 3.7709% | 3,464 |
| Noninterest income to average assets | 1.7338% | 522 |
| Noninterest expense to average assets | 4.3627% | 621 |
| Loan and lease loss provision to assets | 0.7536% | 657 |
| Net operating income to assets | -0.0763% | 6,380 |
| Return on assets (ROA) | -0.0901% | 6,490 |
| Pretax return on assets | -0.1667% | 6,527 |
| Return on Equity (ROE) | -1.0615% | 6,510 |
| Retained earnings to average equity (ytd only) | -1.7993% | 6,371 |
| Net charge-offs to loans | 0.9810% | 1,087 |
| Credit loss provision to net charge-offs | 124.9440% | 2,314 |
| Earnings coverage of net charge-offs (x) | 1.0090% | 4,815 |
| Efficiency ratio | 87.7582% | 1,220 |
| Assets per employee ($millions) | 3.4379% | 5,123 |
| Cash dividends to net income (ytd only)* | -69.5005% | 7,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9771% | 2,234 |
| Loan loss allowance to noncurrent loans | 59.7030% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 4.1229% | 1,164 |
| Noncurrent loans to loans | 3.3115% | 1,659 |
| Net loans and leases to total assets | 56.6822% | 4,346 |
| Net loans and leases to deposits | 63.2960% | 4,802 |
| Net loans and leases to core deposits | 67.1508% | 4,820 |
| Total domestic deposits to total assets | 89.5510% | 1,093 |
| Equity capital to assets | 8.2384% | 6,463 |
| Core capital (leverage) ratio | 7.4461% | 6,648 |
| Tier 1 risk-based capital ratio | 11.2688% | 6,372 |
| Total risk-based capital ratio | 12.6080% | 6,283 |
| Memoranda: | ||
| Average total assets | $295,987,000 | 2,184 |
| Average earning assets | $254,113,750 | 2,306 |
| Average equity | $25,120,000 | 2,672 |
| Average total loans | $181,980,000 | 2,201 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8908% | 2,145 |
| Cost of funding earning assets | 1.0255% | 1,605 |
| Net interest margin | 3.8653% | 3,063 |
| Noninterest income to average assets | 1.4406% | 699 |
| Noninterest expense to average assets | 3.9691% | 985 |
| Loan and lease loss provision to assets | 0.8870% | 530 |
| Net operating income to assets | -0.0671% | 6,399 |
| Return on assets (ROA) | -0.0820% | 6,527 |
| Pretax return on assets | -0.1544% | 6,561 |
| Return on Equity (ROE) | -0.9565% | 6,540 |
| Retained earnings to average equity (ytd only) | -2.0645% | 6,368 |
| Net charge-offs to loans | 0.3746% | 2,519 |
| Credit loss provision to net charge-offs | 377.3256% | 790 |
| Earnings coverage of net charge-offs (x) | 3.2151% | 3,454 |
| Efficiency ratio | 84.0035% | 1,633 |
| Assets per employee ($millions) | 3.1948% | 5,654 |
| Cash dividends to net income (ytd only)* | -115.8333% | 7,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2601% | 1,658 |
| Loan loss allowance to noncurrent loans | 120.7979% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 3.5693% | 1,485 |
| Noncurrent loans to loans | 1.8709% | 3,115 |
| Net loans and leases to total assets | 59.9386% | 3,833 |
| Net loans and leases to deposits | 67.1882% | 4,331 |
| Net loans and leases to core deposits | 71.6766% | 4,330 |
| Total domestic deposits to total assets | 89.2100% | 1,384 |
| Equity capital to assets | 8.4518% | 6,258 |
| Core capital (leverage) ratio | 7.6127% | 6,560 |
| Tier 1 risk-based capital ratio | 11.5881% | 6,174 |
| Total risk-based capital ratio | 12.9085% | 6,117 |
| Memoranda: | ||
| Average total assets | $292,659,000 | 2,209 |
| Average earning assets | $248,671,000 | 2,366 |
| Average equity | $25,091,000 | 2,659 |
| Average total loans | $183,663,670 | 2,177 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0662% | 1,674 |
| Cost of funding earning assets | 1.0711% | 1,544 |
| Net interest margin | 3.9951% | 2,526 |
| Noninterest income to average assets | 1.6748% | 526 |
| Noninterest expense to average assets | 4.3219% | 642 |
| Loan and lease loss provision to assets | 0.2396% | 2,551 |
| Net operating income to assets | 0.2972% | 5,669 |
| Return on assets (ROA) | 0.2658% | 5,926 |
| Pretax return on assets | 0.3953% | 5,739 |
| Return on Equity (ROE) | 3.0781% | 5,688 |
| Retained earnings to average equity (ytd only) | 3.0781% | 4,713 |
| Net charge-offs to loans | 0.2755% | 2,569 |
| Credit loss provision to net charge-offs | 137.0079% | 1,796 |
| Earnings coverage of net charge-offs (x) | 3.8976% | 2,717 |
| Efficiency ratio | 86.3749% | 1,445 |
| Assets per employee ($millions) | 3.1768% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7619% | 3,113 |
| Loan loss allowance to noncurrent loans | 173.4738% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 3.7644% | 1,490 |
| Noncurrent loans to loans | 1.0157% | 4,648 |
| Net loans and leases to total assets | 61.2567% | 3,400 |
| Net loans and leases to deposits | 68.8182% | 3,905 |
| Net loans and leases to core deposits | 73.5952% | 3,947 |
| Total domestic deposits to total assets | 89.0124% | 1,691 |
| Equity capital to assets | 8.6110% | 5,982 |
| Core capital (leverage) ratio | 7.9268% | 6,314 |
| Tier 1 risk-based capital ratio | 11.6324% | 6,199 |
| Total risk-based capital ratio | 12.9185% | 6,155 |
| Memoranda: | ||
| Average total assets | $290,429,000 | 2,240 |
| Average earning assets | $241,997,000 | 2,432 |
| Average equity | $25,080,500 | 2,656 |
| Average total loans | $184,392,000 | 2,179 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 2,315 |
| Cost of funding earning assets | 1.1654% | 2,248 |
| Net interest margin | 3.9680% | 3,029 |
| Noninterest income to average assets | 1.4521% | 616 |
| Noninterest expense to average assets | 4.1271% | 883 |
| Loan and lease loss provision to assets | 1.0447% | 895 |
| Net operating income to assets | -0.2854% | 6,331 |
| Return on assets (ROA) | -0.3030% | 6,399 |
| Pretax return on assets | -0.3514% | 6,386 |
| Return on Equity (ROE) | -3.3729% | 6,434 |
| Retained earnings to average equity (ytd only) | -4.4534% | 6,404 |
| Net charge-offs to loans | 1.4802% | 1,086 |
| Credit loss provision to net charge-offs | 104.0541% | 3,310 |
| Earnings coverage of net charge-offs (x) | 0.7110% | 5,278 |
| Efficiency ratio | 85.2533% | 1,649 |
| Assets per employee ($millions) | 3.1714% | 5,768 |
| Cash dividends to net income (ytd only)* | -32.0321% | 7,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6961% | 3,217 |
| Loan loss allowance to noncurrent loans | 187.1082% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 3.8605% | 1,492 |
| Noncurrent loans to loans | 0.9065% | 4,869 |
| Net loans and leases to total assets | 63.5417% | 3,282 |
| Net loans and leases to deposits | 72.0856% | 3,779 |
| Net loans and leases to core deposits | 77.3700% | 3,765 |
| Total domestic deposits to total assets | 88.1477% | 2,063 |
| Equity capital to assets | 8.6606% | 5,948 |
| Core capital (leverage) ratio | 7.9494% | 6,314 |
| Tier 1 risk-based capital ratio | 11.5773% | 6,115 |
| Total risk-based capital ratio | 12.8569% | 6,071 |
| Memoranda: | ||
| Average total assets | $287,443,600 | 2,213 |
| Average earning assets | $245,488,600 | 2,342 |
| Average equity | $25,823,200 | 2,497 |
| Average total loans | $194,973,400 | 2,082 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0795% | 2,711 |
| Cost of funding earning assets | 1.1671% | 2,519 |
| Net interest margin | 3.9124% | 3,324 |
| Noninterest income to average assets | 1.2810% | 789 |
| Noninterest expense to average assets | 3.8784% | 1,188 |
| Loan and lease loss provision to assets | 1.3470% | 548 |
| Net operating income to assets | -0.3172% | 6,514 |
| Return on assets (ROA) | -0.3199% | 6,571 |
| Pretax return on assets | -0.5414% | 6,645 |
| Return on Equity (ROE) | -3.5291% | 6,599 |
| Retained earnings to average equity (ytd only) | -4.9581% | 6,594 |
| Net charge-offs to loans | 1.9098% | 682 |
| Credit loss provision to net charge-offs | 102.7630% | 3,240 |
| Earnings coverage of net charge-offs (x) | 0.6178% | 5,166 |
| Efficiency ratio | 82.7275% | 1,879 |
| Assets per employee ($millions) | 2.9375% | 6,248 |
| Cash dividends to net income (ytd only)* | -40.4936% | 7,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 3,675 |
| Loan loss allowance to noncurrent loans | 170.2997% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 3.1770% | 2,013 |
| Noncurrent loans to loans | 0.9389% | 5,003 |
| Net loans and leases to total assets | 66.1291% | 2,875 |
| Net loans and leases to deposits | 75.6247% | 3,385 |
| Net loans and leases to core deposits | 81.4536% | 3,419 |
| Total domestic deposits to total assets | 87.4438% | 2,379 |
| Equity capital to assets | 8.6685% | 6,120 |
| Core capital (leverage) ratio | 8.0517% | 6,342 |
| Tier 1 risk-based capital ratio | 11.3452% | 6,332 |
| Total risk-based capital ratio | 12.5988% | 6,321 |
| Memoranda: | ||
| Average total assets | $287,156,250 | 2,224 |
| Average earning assets | $250,069,000 | 2,320 |
| Average equity | $26,030,500 | 2,477 |
| Average total loans | $197,081,500 | 2,089 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9522% | 3,392 |
| Cost of funding earning assets | 1.1618% | 2,839 |
| Net interest margin | 3.7904% | 3,831 |
| Noninterest income to average assets | 1.0918% | 1,084 |
| Noninterest expense to average assets | 3.8022% | 1,342 |
| Loan and lease loss provision to assets | 0.2847% | 3,103 |
| Net operating income to assets | 0.2581% | 5,527 |
| Return on assets (ROA) | 0.2539% | 5,670 |
| Pretax return on assets | 0.3805% | 5,454 |
| Return on Equity (ROE) | 2.7600% | 5,498 |
| Retained earnings to average equity (ytd only) | 1.7183% | 5,136 |
| Net charge-offs to loans | 0.3461% | 3,167 |
| Credit loss provision to net charge-offs | 119.0058% | 2,575 |
| Earnings coverage of net charge-offs (x) | 2.8070% | 3,444 |
| Efficiency ratio | 84.9906% | 1,706 |
| Assets per employee ($millions) | 3.0446% | 5,986 |
| Cash dividends to net income (ytd only)* | 37.7410% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 3,693 |
| Loan loss allowance to noncurrent loans | 69.1402% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 4.1540% | 1,533 |
| Noncurrent loans to loans | 2.3144% | 3,080 |
| Net loans and leases to total assets | 67.5848% | 2,694 |
| Net loans and leases to deposits | 78.0093% | 3,117 |
| Net loans and leases to core deposits | 85.7364% | 2,947 |
| Total domestic deposits to total assets | 86.6368% | 2,964 |
| Equity capital to assets | 9.3445% | 5,086 |
| Core capital (leverage) ratio | 8.6073% | 5,389 |
| Tier 1 risk-based capital ratio | 11.8756% | 5,881 |
| Total risk-based capital ratio | 13.1480% | 5,841 |
| Memoranda: | ||
| Average total assets | $285,937,330 | 2,244 |
| Average earning assets | $255,119,330 | 2,291 |
| Average equity | $26,304,330 | 2,440 |
| Average total loans | $197,629,670 | 2,107 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 3,527 |
| Cost of funding earning assets | 1.1880% | 2,896 |
| Net interest margin | 3.7252% | 3,974 |
| Noninterest income to average assets | 1.1736% | 937 |
| Noninterest expense to average assets | 3.9133% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3933% | 4,981 |
| Return on assets (ROA) | 0.3661% | 5,178 |
| Pretax return on assets | 0.5624% | 4,824 |
| Return on Equity (ROE) | 4.0111% | 4,901 |
| Retained earnings to average equity (ytd only) | 1.9064% | 4,984 |
| Net charge-offs to loans | -0.0683% | 6,983 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6256% | 1,647 |
| Assets per employee ($millions) | 2.7204% | 6,672 |
| Cash dividends to net income (ytd only)* | 52.4715% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 3,898 |
| Loan loss allowance to noncurrent loans | 32.6654% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 4.2354% | 1,551 |
| Noncurrent loans to loans | 4.7881% | 1,426 |
| Net loans and leases to total assets | 68.5368% | 2,443 |
| Net loans and leases to deposits | 79.3858% | 2,830 |
| Net loans and leases to core deposits | 86.0864% | 2,859 |
| Total domestic deposits to total assets | 86.3338% | 3,321 |
| Equity capital to assets | 9.3032% | 4,722 |
| Core capital (leverage) ratio | 8.4927% | 5,468 |
| Tier 1 risk-based capital ratio | 11.7872% | 5,864 |
| Total risk-based capital ratio | 13.0556% | 5,853 |
| Memoranda: | ||
| Average total assets | $287,330,500 | 2,252 |
| Average earning assets | $257,921,000 | 2,288 |
| Average equity | $26,227,000 | 2,434 |
| Average total loans | $199,205,000 | 2,115 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4569% | 2,449 |
| Cost of funding earning assets | 1.7056% | 1,578 |
| Net interest margin | 3.7513% | 4,146 |
| Noninterest income to average assets | 1.1266% | 1,165 |
| Noninterest expense to average assets | 3.8458% | 1,404 |
| Loan and lease loss provision to assets | 0.7275% | 2,256 |
| Net operating income to assets | -0.1076% | 6,004 |
| Return on assets (ROA) | -0.3898% | 6,331 |
| Pretax return on assets | -0.3919% | 6,239 |
| Return on Equity (ROE) | -4.1894% | 6,370 |
| Retained earnings to average equity (ytd only) | -6.3138% | 6,412 |
| Net charge-offs to loans | 0.8702% | 2,452 |
| Credit loss provision to net charge-offs | 115.8503% | 3,721 |
| Earnings coverage of net charge-offs (x) | 0.9884% | 5,119 |
| Efficiency ratio | 86.1034% | 1,685 |
| Assets per employee ($millions) | 2.8324% | 6,470 |
| Cash dividends to net income (ytd only)* | -50.7092% | 7,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 3,936 |
| Loan loss allowance to noncurrent loans | 39.2655% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 3.3417% | 2,107 |
| Noncurrent loans to loans | 3.8526% | 1,909 |
| Net loans and leases to total assets | 67.9979% | 2,982 |
| Net loans and leases to deposits | 78.3561% | 3,454 |
| Net loans and leases to core deposits | 85.9693% | 3,323 |
| Total domestic deposits to total assets | 86.7806% | 2,937 |
| Equity capital to assets | 8.9577% | 5,203 |
| Core capital (leverage) ratio | 8.3550% | 5,603 |
| Tier 1 risk-based capital ratio | 11.3906% | 6,001 |
| Total risk-based capital ratio | 12.6657% | 5,975 |
| Memoranda: | ||
| Average total assets | $289,356,400 | 2,217 |
| Average earning assets | $257,619,400 | 2,277 |
| Average equity | $26,925,000 | 2,381 |
| Average total loans | $208,809,600 | 2,083 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4885% | 2,475 |
| Cost of funding earning assets | 1.7465% | 1,642 |
| Net interest margin | 3.7420% | 4,224 |
| Noninterest income to average assets | 1.0001% | 1,462 |
| Noninterest expense to average assets | 3.5387% | 1,938 |
| Loan and lease loss provision to assets | 0.5273% | 2,825 |
| Net operating income to assets | 0.1891% | 5,540 |
| Return on assets (ROA) | 0.0042% | 6,116 |
| Pretax return on assets | -0.0240% | 6,125 |
| Return on Equity (ROE) | 0.0442% | 6,115 |
| Retained earnings to average equity (ytd only) | -2.0794% | 6,216 |
| Net charge-offs to loans | 0.6209% | 2,883 |
| Credit loss provision to net charge-offs | 116.4118% | 3,581 |
| Earnings coverage of net charge-offs (x) | 1.7492% | 4,400 |
| Efficiency ratio | 81.7058% | 2,094 |
| Assets per employee ($millions) | 2.8194% | 6,550 |
| Cash dividends to net income (ytd only)* | 4,799.9167% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 4,382 |
| Loan loss allowance to noncurrent loans | 59.2412% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 2.4903% | 2,882 |
| Noncurrent loans to loans | 2.3845% | 3,251 |
| Net loans and leases to total assets | 70.1735% | 2,696 |
| Net loans and leases to deposits | 82.3890% | 3,033 |
| Net loans and leases to core deposits | 93.3116% | 2,619 |
| Total domestic deposits to total assets | 85.1734% | 3,530 |
| Equity capital to assets | 9.3835% | 5,007 |
| Core capital (leverage) ratio | 8.9492% | 4,764 |
| Tier 1 risk-based capital ratio | 11.8913% | 5,560 |
| Total risk-based capital ratio | 13.1424% | 5,535 |
| Memoranda: | ||
| Average total assets | $288,761,250 | 2,253 |
| Average earning assets | $257,039,000 | 2,314 |
| Average equity | $27,123,000 | 2,400 |
| Average total loans | $210,656,500 | 2,092 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5074% | 2,481 |
| Cost of funding earning assets | 1.7955% | 1,658 |
| Net interest margin | 3.7119% | 4,304 |
| Noninterest income to average assets | 0.8827% | 1,748 |
| Noninterest expense to average assets | 3.4266% | 2,202 |
| Loan and lease loss provision to assets | 0.1610% | 5,281 |
| Net operating income to assets | 0.3970% | 4,769 |
| Return on assets (ROA) | 0.3581% | 5,095 |
| Pretax return on assets | 0.5385% | 4,786 |
| Return on Equity (ROE) | 3.8108% | 4,876 |
| Retained earnings to average equity (ytd only) | 1.6543% | 5,045 |
| Net charge-offs to loans | 0.0274% | 5,946 |
| Credit loss provision to net charge-offs | 800.0000% | 462 |
| Earnings coverage of net charge-offs (x) | 37.6897% | 764 |
| Efficiency ratio | 81.8770% | 2,186 |
| Assets per employee ($millions) | 2.8048% | 6,564 |
| Cash dividends to net income (ytd only)* | 56.5891% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 4,363 |
| Loan loss allowance to noncurrent loans | 266.6067% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 1.1589% | 4,813 |
| Noncurrent loans to loans | 0.5299% | 6,196 |
| Net loans and leases to total assets | 71.5417% | 2,526 |
| Net loans and leases to deposits | 86.6220% | 2,416 |
| Net loans and leases to core deposits | 95.1180% | 2,573 |
| Total domestic deposits to total assets | 82.5906% | 4,745 |
| Equity capital to assets | 9.4733% | 4,743 |
| Core capital (leverage) ratio | 9.1673% | 4,351 |
| Tier 1 risk-based capital ratio | 11.9486% | 5,354 |
| Total risk-based capital ratio | 13.1997% | 5,322 |
| Memoranda: | ||
| Average total assets | $288,214,000 | 2,275 |
| Average earning assets | $256,418,670 | 2,342 |
| Average equity | $27,080,670 | 2,408 |
| Average total loans | $211,973,330 | 2,103 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4931% | 2,619 |
| Cost of funding earning assets | 1.8383% | 1,706 |
| Net interest margin | 3.6548% | 4,465 |
| Noninterest income to average assets | 0.7059% | 2,556 |
| Noninterest expense to average assets | 3.2625% | 2,666 |
| Loan and lease loss provision to assets | 0.0417% | 6,256 |
| Net operating income to assets | 0.4307% | 4,707 |
| Return on assets (ROA) | 0.3766% | 5,071 |
| Pretax return on assets | 0.5753% | 4,699 |
| Return on Equity (ROE) | 4.0242% | 4,886 |
| Retained earnings to average equity (ytd only) | 1.7522% | 5,065 |
| Net charge-offs to loans | -0.0413% | 7,296 |
| Credit loss provision to net charge-offs | -136.3636% | 6,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3282% | 2,236 |
| Assets per employee ($millions) | 2.9440% | 6,347 |
| Cash dividends to net income (ytd only)* | 56.4576% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 4,865 |
| Loan loss allowance to noncurrent loans | 69.2194% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 2.1070% | 3,377 |
| Noncurrent loans to loans | 1.8960% | 3,925 |
| Net loans and leases to total assets | 74.0171% | 1,968 |
| Net loans and leases to deposits | 89.6799% | 1,952 |
| Net loans and leases to core deposits | 93.8193% | 2,860 |
| Total domestic deposits to total assets | 82.5347% | 4,835 |
| Equity capital to assets | 9.4085% | 4,666 |
| Core capital (leverage) ratio | 9.0910% | 4,392 |
| Tier 1 risk-based capital ratio | 11.9436% | 5,257 |
| Total risk-based capital ratio | 13.1941% | 5,216 |
| Memoranda: | ||
| Average total assets | $287,873,000 | 2,330 |
| Average earning assets | $256,538,000 | 2,386 |
| Average equity | $26,937,000 | 2,442 |
| Average total loans | $213,138,500 | 2,148 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8730% | 2,360 |
| Cost of funding earning assets | 2.1296% | 2,328 |
| Net interest margin | 3.7434% | 3,937 |
| Noninterest income to average assets | 1.0286% | 1,473 |
| Noninterest expense to average assets | 3.7376% | 1,825 |
| Loan and lease loss provision to assets | 1.0188% | 2,239 |
| Net operating income to assets | -0.1694% | 5,798 |
| Return on assets (ROA) | -0.2417% | 5,888 |
| Pretax return on assets | -0.4597% | 5,976 |
| Return on Equity (ROE) | -2.9917% | 5,984 |
| Retained earnings to average equity (ytd only) | -3.9828% | 5,857 |
| Net charge-offs to loans | 1.3194% | 1,891 |
| Credit loss provision to net charge-offs | 100.8324% | 5,473 |
| Earnings coverage of net charge-offs (x) | 0.6652% | 5,426 |
| Efficiency ratio | 80.0232% | 2,886 |
| Assets per employee ($millions) | 3.0226% | 6,165 |
| Cash dividends to net income (ytd only)* | -33.1316% | 7,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 4,762 |
| Loan loss allowance to noncurrent loans | 232.2391% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0714% | 4,950 |
| Noncurrent loans to loans | 0.5601% | 6,127 |
| Net loans and leases to total assets | 72.1412% | 2,724 |
| Net loans and leases to deposits | 88.6123% | 2,452 |
| Net loans and leases to core deposits | 115.2485% | 2,391 |
| Total domestic deposits to total assets | 81.4122% | 5,191 |
| Equity capital to assets | 9.3068% | 4,693 |
| Core capital (leverage) ratio | 9.4512% | 3,780 |
| Tier 1 risk-based capital ratio | 11.6100% | 5,286 |
| Total risk-based capital ratio | 12.8275% | 5,275 |
| Memoranda: | ||
| Average total assets | $273,466,800 | 2,392 |
| Average earning assets | $246,993,400 | 2,433 |
| Average equity | $22,094,800 | 2,937 |
| Average total loans | $209,412,800 | 2,206 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9444% | 2,255 |
| Cost of funding earning assets | 2.1872% | 2,465 |
| Net interest margin | 3.7572% | 3,828 |
| Noninterest income to average assets | 1.0734% | 1,376 |
| Noninterest expense to average assets | 3.4203% | 2,510 |
| Loan and lease loss provision to assets | 1.3160% | 1,468 |
| Net operating income to assets | -0.1372% | 5,964 |
| Return on assets (ROA) | -0.1654% | 6,016 |
| Pretax return on assets | -0.3015% | 6,100 |
| Return on Equity (ROE) | -2.1341% | 6,115 |
| Retained earnings to average equity (ytd only) | -3.1820% | 5,972 |
| Net charge-offs to loans | 1.6805% | 1,206 |
| Credit loss provision to net charge-offs | 101.0262% | 5,032 |
| Earnings coverage of net charge-offs (x) | 0.8126% | 5,238 |
| Efficiency ratio | 76.3652% | 3,441 |
| Assets per employee ($millions) | 2.8312% | 6,584 |
| Cash dividends to net income (ytd only)* | -49.1018% | 7,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 4,503 |
| Loan loss allowance to noncurrent loans | 207.4324% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 1.1968% | 4,678 |
| Noncurrent loans to loans | 0.6267% | 6,046 |
| Net loans and leases to total assets | 77.1871% | 1,744 |
| Net loans and leases to deposits | 93.5590% | 1,955 |
| Net loans and leases to core deposits | 118.3299% | 2,384 |
| Total domestic deposits to total assets | 82.5010% | 4,452 |
| Equity capital to assets | 7.5777% | 7,239 |
| Core capital (leverage) ratio | 7.4846% | 6,999 |
| Tier 1 risk-based capital ratio | 9.2498% | 7,515 |
| Total risk-based capital ratio | 10.5001% | 7,505 |
| Memoranda: | ||
| Average total assets | $269,290,000 | 2,437 |
| Average earning assets | $244,077,000 | 2,476 |
| Average equity | $20,867,000 | 3,114 |
| Average total loans | $208,742,500 | 2,231 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9510% | 2,386 |
| Cost of funding earning assets | 2.2374% | 2,637 |
| Net interest margin | 3.7136% | 3,895 |
| Noninterest income to average assets | 1.2069% | 1,070 |
| Noninterest expense to average assets | 3.4077% | 2,603 |
| Loan and lease loss provision to assets | 0.5528% | 2,804 |
| Net operating income to assets | 0.4013% | 4,509 |
| Return on assets (ROA) | 0.3427% | 4,823 |
| Pretax return on assets | 0.5297% | 4,523 |
| Return on Equity (ROE) | 4.3899% | 4,346 |
| Retained earnings to average equity (ytd only) | 3.3497% | 3,462 |
| Net charge-offs to loans | 0.7211% | 2,255 |
| Credit loss provision to net charge-offs | 99.1979% | 4,641 |
| Earnings coverage of net charge-offs (x) | 2.1043% | 4,020 |
| Efficiency ratio | 74.3982% | 3,970 |
| Assets per employee ($millions) | 2.8317% | 6,557 |
| Cash dividends to net income (ytd only)* | 23.6957% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,149 |
| Loan loss allowance to noncurrent loans | 245.5036% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.9884% | 4,993 |
| Noncurrent loans to loans | 0.5383% | 6,191 |
| Net loans and leases to total assets | 76.5798% | 2,041 |
| Net loans and leases to deposits | 93.6287% | 2,151 |
| Net loans and leases to core deposits | 116.9746% | 2,629 |
| Total domestic deposits to total assets | 81.7909% | 4,775 |
| Equity capital to assets | 7.8454% | 6,919 |
| Core capital (leverage) ratio | 7.7073% | 6,746 |
| Tier 1 risk-based capital ratio | 9.9263% | 7,013 |
| Total risk-based capital ratio | 11.2855% | 6,809 |
| Memoranda: | ||
| Average total assets | $268,454,000 | 2,458 |
| Average earning assets | $243,858,670 | 2,489 |
| Average equity | $20,957,330 | 3,106 |
| Average total loans | $207,471,330 | 2,268 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9801% | 2,443 |
| Cost of funding earning assets | 2.2638% | 2,869 |
| Net interest margin | 3.7163% | 3,824 |
| Noninterest income to average assets | 1.2597% | 900 |
| Noninterest expense to average assets | 3.4823% | 2,153 |
| Loan and lease loss provision to assets | 0.1039% | 5,641 |
| Net operating income to assets | 0.6766% | 3,676 |
| Return on assets (ROA) | 0.6766% | 3,858 |
| Pretax return on assets | 1.0445% | 3,187 |
| Return on Equity (ROE) | 8.6880% | 2,845 |
| Retained earnings to average equity (ytd only) | 7.6591% | 1,951 |
| Net charge-offs to loans | 0.0943% | 4,233 |
| Credit loss provision to net charge-offs | 142.8571% | 2,868 |
| Earnings coverage of net charge-offs (x) | 15.7959% | 1,586 |
| Efficiency ratio | 75.2003% | 3,620 |
| Assets per employee ($millions) | 2.8923% | 6,430 |
| Cash dividends to net income (ytd only)* | 11.8421% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 3,867 |
| Loan loss allowance to noncurrent loans | 251.7808% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 4,753 |
| Noncurrent loans to loans | 0.5314% | 6,092 |
| Net loans and leases to total assets | 75.5789% | 2,371 |
| Net loans and leases to deposits | 91.4601% | 2,699 |
| Net loans and leases to core deposits | 111.9264% | 3,224 |
| Total domestic deposits to total assets | 82.6359% | 4,320 |
| Equity capital to assets | 7.8225% | 7,035 |
| Core capital (leverage) ratio | 7.8545% | 6,683 |
| Tier 1 risk-based capital ratio | 10.1238% | 6,785 |
| Total risk-based capital ratio | 11.5401% | 6,530 |
| Memoranda: | ||
| Average total assets | $269,591,000 | 2,465 |
| Average earning assets | $244,544,000 | 2,499 |
| Average equity | $20,994,500 | 3,121 |
| Average total loans | $207,922,000 | 2,289 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3740% | 3,553 |
| Cost of funding earning assets | 2.9934% | 1,890 |
| Net interest margin | 3.3806% | 5,740 |
| Noninterest income to average assets | 1.0622% | 1,393 |
| Noninterest expense to average assets | 3.8305% | 1,700 |
| Loan and lease loss provision to assets | 0.4731% | 2,936 |
| Net operating income to assets | -0.0758% | 6,476 |
| Return on assets (ROA) | -0.0718% | 6,317 |
| Pretax return on assets | -0.1642% | 6,339 |
| Return on Equity (ROE) | -0.9205% | 6,355 |
| Retained earnings to average equity (ytd only) | -1.9285% | 5,852 |
| Net charge-offs to loans | 0.7471% | 1,658 |
| Credit loss provision to net charge-offs | 85.6307% | 5,772 |
| Earnings coverage of net charge-offs (x) | 0.5481% | 5,903 |
| Efficiency ratio | 92.6734% | 1,349 |
| Assets per employee ($millions) | 2.7572% | 6,662 |
| Cash dividends to net income (ytd only)* | -109.5000% | 8,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 3,759 |
| Loan loss allowance to noncurrent loans | 212.2671% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 1.0492% | 4,192 |
| Noncurrent loans to loans | 0.6139% | 5,530 |
| Net loans and leases to total assets | 76.6319% | 2,467 |
| Net loans and leases to deposits | 93.9150% | 2,779 |
| Net loans and leases to core deposits | 114.8355% | 3,253 |
| Total domestic deposits to total assets | 81.5971% | 4,368 |
| Equity capital to assets | 7.7527% | 7,152 |
| Core capital (leverage) ratio | 7.8974% | 6,657 |
| Tier 1 risk-based capital ratio | 10.1750% | 6,546 |
| Total risk-based capital ratio | 11.5885% | 6,253 |
| Memoranda: | ||
| Average total assets | $278,371,800 | 2,323 |
| Average earning assets | $252,887,600 | 2,348 |
| Average equity | $21,726,200 | 3,011 |
| Average total loans | $205,870,400 | 2,242 |