Home > Somerset Hills Bank > Performance and Condition Ratios
Somerset Hills Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5697% | 5,531 |
| Cost of funding earning assets | 0.2779% | 6,120 |
| Net interest margin | 3.2918% | 4,547 |
| Noninterest income to average assets | 0.5735% | 3,282 |
| Noninterest expense to average assets | 2.7925% | 3,726 |
| Loan and lease loss provision to assets | 0.0276% | 4,120 |
| Net operating income to assets | 0.4674% | 4,837 |
| Return on assets (ROA) | 0.4674% | 5,000 |
| Pretax return on assets | 0.8299% | 4,044 |
| Return on Equity (ROE) | 4.1491% | 5,015 |
| Retained earnings to average equity (ytd only) | -0.0589% | 5,785 |
| Net charge-offs to loans | -0.0145% | 5,578 |
| Credit loss provision to net charge-offs | -277.7778% | 5,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5062% | 2,844 |
| Assets per employee ($millions) | 6.3476% | 1,052 |
| Cash dividends to net income (ytd only)* | 101.4184% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 4,762 |
| Loan loss allowance to noncurrent loans | 274.6988% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 5,604 |
| Noncurrent loans to loans | 0.4693% | 5,250 |
| Net loans and leases to total assets | 68.7646% | 1,880 |
| Net loans and leases to deposits | 79.3322% | 2,169 |
| Net loans and leases to core deposits | 79.9785% | 2,807 |
| Total domestic deposits to total assets | 86.6793% | 3,143 |
| Equity capital to assets | 11.4638% | 2,445 |
| Core capital (leverage) ratio | 11.2225% | 2,077 |
| Tier 1 risk-based capital ratio | 15.0397% | 3,812 |
| Total risk-based capital ratio | 16.2271% | 3,811 |
| Memoranda: | ||
| Average total assets | $361,975,500 | 1,824 |
| Average earning assets | $338,291,000 | 1,789 |
| Average equity | $40,779,500 | 1,752 |
| Average total loans | $248,087,000 | 1,676 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 5,395 |
| Cost of funding earning assets | 0.3876% | 5,997 |
| Net interest margin | 3.5830% | 4,171 |
| Noninterest income to average assets | 0.6595% | 2,943 |
| Noninterest expense to average assets | 2.5688% | 4,866 |
| Loan and lease loss provision to assets | 0.0815% | 4,681 |
| Net operating income to assets | 0.8798% | 2,916 |
| Return on assets (ROA) | 0.9711% | 2,689 |
| Pretax return on assets | 1.4966% | 1,686 |
| Return on Equity (ROE) | 8.7809% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.7809% | 885 |
| Net charge-offs to loans | 0.0476% | 5,250 |
| Credit loss provision to net charge-offs | 254.3860% | 947 |
| Earnings coverage of net charge-offs (x) | 44.8947% | 731 |
| Efficiency ratio | 64.1169% | 4,859 |
| Assets per employee ($millions) | 6.5801% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 4,779 |
| Loan loss allowance to noncurrent loans | 270.8405% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 5,725 |
| Noncurrent loans to loans | 0.4691% | 5,352 |
| Net loans and leases to total assets | 66.5941% | 2,439 |
| Net loans and leases to deposits | 76.4908% | 2,720 |
| Net loans and leases to core deposits | 77.0887% | 3,387 |
| Total domestic deposits to total assets | 87.0615% | 2,811 |
| Equity capital to assets | 11.0749% | 2,866 |
| Core capital (leverage) ratio | 11.0367% | 2,227 |
| Tier 1 risk-based capital ratio | 15.1227% | 3,660 |
| Total risk-based capital ratio | 16.3038% | 3,639 |
| Memoranda: | ||
| Average total assets | $356,004,600 | 1,823 |
| Average earning assets | $332,547,200 | 1,776 |
| Average equity | $39,369,400 | 1,768 |
| Average total loans | $239,592,000 | 1,719 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 5,295 |
| Cost of funding earning assets | 0.4132% | 6,043 |
| Net interest margin | 3.6543% | 3,992 |
| Noninterest income to average assets | 0.6359% | 3,070 |
| Noninterest expense to average assets | 2.5061% | 5,057 |
| Loan and lease loss provision to assets | 0.0907% | 4,466 |
| Net operating income to assets | 0.9417% | 2,788 |
| Return on assets (ROA) | 0.9812% | 2,832 |
| Pretax return on assets | 1.5151% | 1,828 |
| Return on Equity (ROE) | 8.8762% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.8762% | 1,277 |
| Net charge-offs to loans | 0.0309% | 5,219 |
| Credit loss provision to net charge-offs | 436.3636% | 616 |
| Earnings coverage of net charge-offs (x) | 74.3469% | 552 |
| Efficiency ratio | 61.8635% | 5,171 |
| Assets per employee ($millions) | 6.3896% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,743 |
| Loan loss allowance to noncurrent loans | 296.8135% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 5,934 |
| Noncurrent loans to loans | 0.4432% | 5,562 |
| Net loans and leases to total assets | 67.6029% | 2,351 |
| Net loans and leases to deposits | 78.5953% | 2,582 |
| Net loans and leases to core deposits | 79.3402% | 3,289 |
| Total domestic deposits to total assets | 86.0140% | 3,253 |
| Equity capital to assets | 11.4620% | 2,788 |
| Core capital (leverage) ratio | 11.2184% | 2,202 |
| Tier 1 risk-based capital ratio | 15.0217% | 3,836 |
| Total risk-based capital ratio | 16.2238% | 3,816 |
| Memoranda: | ||
| Average total assets | $352,885,000 | 1,852 |
| Average earning assets | $329,794,000 | 1,818 |
| Average equity | $39,009,500 | 1,798 |
| Average total loans | $237,353,500 | 1,742 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 5,327 |
| Cost of funding earning assets | 0.4209% | 6,160 |
| Net interest margin | 3.6751% | 3,944 |
| Noninterest income to average assets | 0.6237% | 3,105 |
| Noninterest expense to average assets | 2.5135% | 5,095 |
| Loan and lease loss provision to assets | 0.0934% | 4,390 |
| Net operating income to assets | 0.9397% | 2,714 |
| Return on assets (ROA) | 0.9990% | 2,692 |
| Pretax return on assets | 1.5423% | 1,734 |
| Return on Equity (ROE) | 9.1485% | 2,743 |
| Retained earnings to average equity (ytd only) | 9.1485% | 1,219 |
| Net charge-offs to loans | 0.0491% | 4,712 |
| Credit loss provision to net charge-offs | 284.4828% | 1,030 |
| Earnings coverage of net charge-offs (x) | 47.0517% | 769 |
| Efficiency ratio | 61.9386% | 5,260 |
| Assets per employee ($millions) | 6.0884% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 4,963 |
| Loan loss allowance to noncurrent loans | 2,190.7801% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 6,732 |
| Noncurrent loans to loans | 0.0586% | 6,532 |
| Net loans and leases to total assets | 67.2661% | 2,412 |
| Net loans and leases to deposits | 77.9549% | 2,676 |
| Net loans and leases to core deposits | 78.8408% | 3,388 |
| Total domestic deposits to total assets | 86.2885% | 3,203 |
| Equity capital to assets | 11.1586% | 2,943 |
| Core capital (leverage) ratio | 11.1729% | 2,144 |
| Tier 1 risk-based capital ratio | 14.5175% | 4,090 |
| Total risk-based capital ratio | 15.6749% | 4,121 |
| Memoranda: | ||
| Average total assets | $353,370,000 | 1,859 |
| Average earning assets | $330,226,000 | 1,821 |
| Average equity | $38,585,670 | 1,808 |
| Average total loans | $236,223,330 | 1,746 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 5,194 |
| Cost of funding earning assets | 0.4303% | 6,252 |
| Net interest margin | 3.7456% | 3,611 |
| Noninterest income to average assets | 0.6235% | 3,087 |
| Noninterest expense to average assets | 2.5822% | 4,885 |
| Loan and lease loss provision to assets | 0.0849% | 4,320 |
| Net operating income to assets | 0.9539% | 2,667 |
| Return on assets (ROA) | 0.9539% | 2,878 |
| Pretax return on assets | 1.4631% | 1,983 |
| Return on Equity (ROE) | 8.8327% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.8327% | 1,649 |
| Net charge-offs to loans | 0.0957% | 3,568 |
| Credit loss provision to net charge-offs | 133.9286% | 1,825 |
| Earnings coverage of net charge-offs (x) | 24.4286% | 1,055 |
| Efficiency ratio | 62.5205% | 5,184 |
| Assets per employee ($millions) | 5.8189% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 5,070 |
| Loan loss allowance to noncurrent loans | 2,098.6014% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 6,802 |
| Noncurrent loans to loans | 0.0614% | 6,600 |
| Net loans and leases to total assets | 66.9771% | 2,290 |
| Net loans and leases to deposits | 77.6845% | 2,575 |
| Net loans and leases to core deposits | 78.7490% | 3,222 |
| Total domestic deposits to total assets | 86.2168% | 3,406 |
| Equity capital to assets | 11.2386% | 2,684 |
| Core capital (leverage) ratio | 10.7929% | 2,445 |
| Tier 1 risk-based capital ratio | 14.2065% | 4,309 |
| Total risk-based capital ratio | 15.3336% | 4,379 |
| Memoranda: | ||
| Average total assets | $353,492,000 | 1,871 |
| Average earning assets | $330,950,500 | 1,826 |
| Average equity | $38,176,500 | 1,824 |
| Average total loans | $234,023,500 | 1,763 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 5,703 |
| Cost of funding earning assets | 0.5678% | 6,252 |
| Net interest margin | 3.7517% | 4,072 |
| Noninterest income to average assets | 0.5871% | 3,241 |
| Noninterest expense to average assets | 2.8045% | 4,332 |
| Loan and lease loss provision to assets | 0.0648% | 5,801 |
| Net operating income to assets | 0.8380% | 2,886 |
| Return on assets (ROA) | 0.8399% | 3,030 |
| Pretax return on assets | 1.2105% | 2,423 |
| Return on Equity (ROE) | 7.8722% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.8722% | 1,126 |
| Net charge-offs to loans | 0.0502% | 5,813 |
| Credit loss provision to net charge-offs | 194.6903% | 1,307 |
| Earnings coverage of net charge-offs (x) | 38.2301% | 703 |
| Efficiency ratio | 68.7861% | 4,193 |
| Assets per employee ($millions) | 6.1639% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 5,075 |
| Loan loss allowance to noncurrent loans | 2,042.4658% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 6,866 |
| Noncurrent loans to loans | 0.0621% | 6,662 |
| Net loans and leases to total assets | 63.8277% | 3,229 |
| Net loans and leases to deposits | 73.2358% | 3,631 |
| Net loans and leases to core deposits | 74.1703% | 4,215 |
| Total domestic deposits to total assets | 87.1537% | 2,666 |
| Equity capital to assets | 10.3856% | 3,675 |
| Core capital (leverage) ratio | 10.1560% | 3,160 |
| Tier 1 risk-based capital ratio | 13.9118% | 4,388 |
| Total risk-based capital ratio | 15.0337% | 4,453 |
| Memoranda: | ||
| Average total assets | $339,455,000 | 1,903 |
| Average earning assets | $315,773,400 | 1,866 |
| Average equity | $36,216,000 | 1,874 |
| Average total loans | $225,138,600 | 1,839 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3915% | 5,632 |
| Cost of funding earning assets | 0.5859% | 6,347 |
| Net interest margin | 3.8056% | 3,847 |
| Noninterest income to average assets | 0.5959% | 3,194 |
| Noninterest expense to average assets | 2.9181% | 3,846 |
| Loan and lease loss provision to assets | 0.0800% | 5,441 |
| Net operating income to assets | 0.8021% | 3,148 |
| Return on assets (ROA) | 0.8046% | 3,301 |
| Pretax return on assets | 1.1313% | 2,892 |
| Return on Equity (ROE) | 7.4875% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.4875% | 1,716 |
| Net charge-offs to loans | 0.0647% | 5,316 |
| Credit loss provision to net charge-offs | 185.1852% | 1,587 |
| Earnings coverage of net charge-offs (x) | 27.9623% | 977 |
| Efficiency ratio | 70.7279% | 3,803 |
| Assets per employee ($millions) | 5.8326% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 5,217 |
| Loan loss allowance to noncurrent loans | 1,041.0526% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 6,845 |
| Noncurrent loans to loans | 0.1206% | 6,632 |
| Net loans and leases to total assets | 67.8086% | 2,517 |
| Net loans and leases to deposits | 78.2293% | 2,935 |
| Net loans and leases to core deposits | 79.2886% | 3,737 |
| Total domestic deposits to total assets | 86.6793% | 2,837 |
| Equity capital to assets | 10.7693% | 3,398 |
| Core capital (leverage) ratio | 10.5068% | 2,859 |
| Tier 1 risk-based capital ratio | 13.5877% | 4,663 |
| Total risk-based capital ratio | 14.7031% | 4,741 |
| Memoranda: | ||
| Average total assets | $333,401,750 | 1,948 |
| Average earning assets | $309,254,500 | 1,909 |
| Average equity | $35,827,750 | 1,889 |
| Average total loans | $222,647,500 | 1,868 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 5,760 |
| Cost of funding earning assets | 0.5975% | 6,474 |
| Net interest margin | 3.7838% | 3,872 |
| Noninterest income to average assets | 0.4584% | 4,213 |
| Noninterest expense to average assets | 2.7754% | 4,523 |
| Loan and lease loss provision to assets | 0.0637% | 5,507 |
| Net operating income to assets | 0.7610% | 3,241 |
| Return on assets (ROA) | 0.7646% | 3,353 |
| Pretax return on assets | 1.1345% | 2,714 |
| Return on Equity (ROE) | 7.1209% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.1209% | 1,821 |
| Net charge-offs to loans | -0.0055% | 6,597 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9419% | 4,132 |
| Assets per employee ($millions) | 5.4469% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 4,935 |
| Loan loss allowance to noncurrent loans | 1,180.2372% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 6,913 |
| Noncurrent loans to loans | 0.1125% | 6,697 |
| Net loans and leases to total assets | 65.7111% | 3,087 |
| Net loans and leases to deposits | 76.6898% | 3,344 |
| Net loans and leases to core deposits | 77.8269% | 4,073 |
| Total domestic deposits to total assets | 85.6843% | 3,501 |
| Equity capital to assets | 10.7072% | 3,277 |
| Core capital (leverage) ratio | 10.6716% | 2,546 |
| Tier 1 risk-based capital ratio | 13.8297% | 4,286 |
| Total risk-based capital ratio | 14.9965% | 4,320 |
| Memoranda: | ||
| Average total assets | $329,827,000 | 1,975 |
| Average earning assets | $305,938,330 | 1,937 |
| Average equity | $35,417,000 | 1,893 |
| Average total loans | $218,092,000 | 1,919 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 5,672 |
| Cost of funding earning assets | 0.5963% | 6,623 |
| Net interest margin | 3.8097% | 3,569 |
| Noninterest income to average assets | 0.4750% | 4,083 |
| Noninterest expense to average assets | 2.8537% | 4,251 |
| Loan and lease loss provision to assets | 0.0921% | 4,865 |
| Net operating income to assets | 0.7216% | 3,425 |
| Return on assets (ROA) | 0.7291% | 3,449 |
| Pretax return on assets | 1.0691% | 2,872 |
| Return on Equity (ROE) | 6.7797% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.7797% | 2,245 |
| Net charge-offs to loans | -0.0056% | 6,257 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2753% | 3,993 |
| Assets per employee ($millions) | 5.1351% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 4,937 |
| Loan loss allowance to noncurrent loans | 1,162.5984% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 6,968 |
| Noncurrent loans to loans | 0.1153% | 6,759 |
| Net loans and leases to total assets | 67.1683% | 2,720 |
| Net loans and leases to deposits | 78.7780% | 2,931 |
| Net loans and leases to core deposits | 80.0881% | 3,744 |
| Total domestic deposits to total assets | 85.2628% | 3,910 |
| Equity capital to assets | 10.9167% | 2,762 |
| Core capital (leverage) ratio | 10.9375% | 2,236 |
| Tier 1 risk-based capital ratio | 13.8430% | 4,184 |
| Total risk-based capital ratio | 15.0202% | 4,208 |
| Memoranda: | ||
| Average total assets | $325,887,000 | 2,003 |
| Average earning assets | $301,864,500 | 1,977 |
| Average equity | $35,046,000 | 1,894 |
| Average total loans | $214,689,500 | 1,973 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 6,360 |
| Cost of funding earning assets | 0.7347% | 6,779 |
| Net interest margin | 3.7791% | 4,034 |
| Noninterest income to average assets | 0.6881% | 2,914 |
| Noninterest expense to average assets | 2.9689% | 3,964 |
| Loan and lease loss provision to assets | 0.0388% | 6,771 |
| Net operating income to assets | 0.7987% | 2,807 |
| Return on assets (ROA) | 0.7987% | 2,939 |
| Pretax return on assets | 1.1859% | 2,270 |
| Return on Equity (ROE) | 7.6746% | 2,823 |
| Retained earnings to average equity (ytd only) | 7.6746% | 1,093 |
| Net charge-offs to loans | 0.1711% | 5,299 |
| Credit loss provision to net charge-offs | 34.6260% | 6,454 |
| Earnings coverage of net charge-offs (x) | 10.9169% | 1,661 |
| Efficiency ratio | 70.7944% | 4,020 |
| Assets per employee ($millions) | 4.9736% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 4,636 |
| Loan loss allowance to noncurrent loans | 1,131.8898% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 7,040 |
| Noncurrent loans to loans | 0.1215% | 6,834 |
| Net loans and leases to total assets | 62.8319% | 4,105 |
| Net loans and leases to deposits | 73.4346% | 4,288 |
| Net loans and leases to core deposits | 74.7680% | 4,880 |
| Total domestic deposits to total assets | 85.5617% | 3,573 |
| Equity capital to assets | 10.5937% | 3,070 |
| Core capital (leverage) ratio | 10.4401% | 2,621 |
| Tier 1 risk-based capital ratio | 14.2778% | 3,690 |
| Total risk-based capital ratio | 15.4806% | 3,677 |
| Memoranda: | ||
| Average total assets | $321,768,000 | 2,022 |
| Average earning assets | $298,480,600 | 1,991 |
| Average equity | $33,487,000 | 1,975 |
| Average total loans | $211,036,400 | 2,058 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 6,511 |
| Cost of funding earning assets | 0.7703% | 6,839 |
| Net interest margin | 3.7659% | 4,111 |
| Noninterest income to average assets | 0.6189% | 3,322 |
| Noninterest expense to average assets | 3.0019% | 3,735 |
| Loan and lease loss provision to assets | 0.0416% | 6,670 |
| Net operating income to assets | 0.7267% | 3,291 |
| Return on assets (ROA) | 0.7267% | 3,446 |
| Pretax return on assets | 1.0670% | 2,944 |
| Return on Equity (ROE) | 7.0153% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.0153% | 1,836 |
| Net charge-offs to loans | 0.0593% | 5,920 |
| Credit loss provision to net charge-offs | 106.3830% | 4,018 |
| Earnings coverage of net charge-offs (x) | 28.3192% | 914 |
| Efficiency ratio | 73.0294% | 3,518 |
| Assets per employee ($millions) | 4.9702% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 4,175 |
| Loan loss allowance to noncurrent loans | 551.6814% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 6,921 |
| Noncurrent loans to loans | 0.2640% | 6,659 |
| Net loans and leases to total assets | 65.2732% | 3,846 |
| Net loans and leases to deposits | 76.3402% | 4,119 |
| Net loans and leases to core deposits | 77.8992% | 4,815 |
| Total domestic deposits to total assets | 85.5031% | 3,339 |
| Equity capital to assets | 10.5695% | 3,446 |
| Core capital (leverage) ratio | 10.5298% | 2,656 |
| Tier 1 risk-based capital ratio | 13.7704% | 4,005 |
| Total risk-based capital ratio | 15.0208% | 3,960 |
| Memoranda: | ||
| Average total assets | $320,145,000 | 2,063 |
| Average earning assets | $296,833,000 | 2,027 |
| Average equity | $33,165,000 | 2,006 |
| Average total loans | $211,513,750 | 2,084 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 6,660 |
| Cost of funding earning assets | 0.8034% | 6,908 |
| Net interest margin | 3.7162% | 4,287 |
| Noninterest income to average assets | 0.5683% | 3,558 |
| Noninterest expense to average assets | 3.0272% | 3,607 |
| Loan and lease loss provision to assets | 0.0470% | 6,497 |
| Net operating income to assets | 0.6611% | 3,577 |
| Return on assets (ROA) | 0.6611% | 3,729 |
| Pretax return on assets | 0.9406% | 3,345 |
| Return on Equity (ROE) | 6.4255% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.4255% | 2,112 |
| Net charge-offs to loans | -0.0019% | 7,069 |
| Credit loss provision to net charge-offs | -3,750.0000% | 7,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4019% | 3,182 |
| Assets per employee ($millions) | 4.7157% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 3,808 |
| Loan loss allowance to noncurrent loans | 875.8242% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 7,102 |
| Noncurrent loans to loans | 0.1739% | 6,906 |
| Net loans and leases to total assets | 65.2543% | 3,994 |
| Net loans and leases to deposits | 76.3476% | 4,268 |
| Net loans and leases to core deposits | 77.7715% | 4,989 |
| Total domestic deposits to total assets | 85.4700% | 3,386 |
| Equity capital to assets | 10.6066% | 3,272 |
| Core capital (leverage) ratio | 10.6964% | 2,467 |
| Tier 1 risk-based capital ratio | 13.5889% | 4,009 |
| Total risk-based capital ratio | 14.8418% | 3,968 |
| Memoranda: | ||
| Average total assets | $319,172,670 | 2,079 |
| Average earning assets | $295,998,000 | 2,052 |
| Average equity | $32,838,000 | 2,022 |
| Average total loans | $210,688,330 | 2,115 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 6,910 |
| Cost of funding earning assets | 0.8610% | 6,895 |
| Net interest margin | 3.5838% | 4,796 |
| Noninterest income to average assets | 0.5262% | 3,848 |
| Noninterest expense to average assets | 3.0263% | 3,576 |
| Loan and lease loss provision to assets | 0.0935% | 5,694 |
| Net operating income to assets | 0.5399% | 4,184 |
| Return on assets (ROA) | 0.5399% | 4,323 |
| Pretax return on assets | 0.7332% | 4,114 |
| Return on Equity (ROE) | 5.3291% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.3291% | 2,973 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5437% | 2,807 |
| Assets per employee ($millions) | 5.6742% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 3,850 |
| Loan loss allowance to noncurrent loans | 851.8717% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 7,177 |
| Noncurrent loans to loans | 0.1774% | 6,981 |
| Net loans and leases to total assets | 66.5216% | 3,741 |
| Net loans and leases to deposits | 77.7693% | 4,090 |
| Net loans and leases to core deposits | 79.1567% | 4,873 |
| Total domestic deposits to total assets | 85.5371% | 3,393 |
| Equity capital to assets | 10.4969% | 3,245 |
| Core capital (leverage) ratio | 10.3836% | 2,734 |
| Tier 1 risk-based capital ratio | 13.2715% | 4,151 |
| Total risk-based capital ratio | 14.5223% | 4,093 |
| Memoranda: | ||
| Average total assets | $320,782,500 | 2,122 |
| Average earning assets | $297,780,500 | 2,091 |
| Average equity | $32,501,000 | 2,065 |
| Average total loans | $211,352,000 | 2,167 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7833% | 6,982 |
| Cost of funding earning assets | 1.1708% | 6,762 |
| Net interest margin | 3.6125% | 4,508 |
| Noninterest income to average assets | 0.9355% | 1,806 |
| Noninterest expense to average assets | 3.1956% | 3,394 |
| Loan and lease loss provision to assets | 0.3032% | 5,007 |
| Net operating income to assets | 0.6355% | 3,191 |
| Return on assets (ROA) | 0.6355% | 3,248 |
| Pretax return on assets | 0.7762% | 3,317 |
| Return on Equity (ROE) | 6.3658% | 3,049 |
| Retained earnings to average equity (ytd only) | 5.5377% | 1,558 |
| Net charge-offs to loans | 0.3091% | 4,699 |
| Credit loss provision to net charge-offs | 144.3769% | 3,309 |
| Earnings coverage of net charge-offs (x) | 5.1398% | 2,679 |
| Efficiency ratio | 74.7499% | 3,748 |
| Assets per employee ($millions) | 5.6807% | 1,485 |
| Cash dividends to net income (ytd only)* | 13.0085% | 3,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 3,899 |
| Loan loss allowance to noncurrent loans | 1,215.2344% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 7,302 |
| Noncurrent loans to loans | 0.1208% | 7,118 |
| Net loans and leases to total assets | 63.3735% | 4,728 |
| Net loans and leases to deposits | 73.3086% | 5,150 |
| Net loans and leases to core deposits | 80.1419% | 6,085 |
| Total domestic deposits to total assets | 86.4476% | 2,792 |
| Equity capital to assets | 9.7859% | 4,022 |
| Core capital (leverage) ratio | 9.9242% | 3,166 |
| Tier 1 risk-based capital ratio | 12.9444% | 4,178 |
| Total risk-based capital ratio | 14.1946% | 4,130 |
| Memoranda: | ||
| Average total assets | $313,310,200 | 2,143 |
| Average earning assets | $289,630,400 | 2,130 |
| Average equity | $31,276,600 | 2,145 |
| Average total loans | $212,902,600 | 2,161 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8562% | 6,997 |
| Cost of funding earning assets | 1.2264% | 6,817 |
| Net interest margin | 3.6298% | 4,370 |
| Noninterest income to average assets | 1.0265% | 1,504 |
| Noninterest expense to average assets | 3.3196% | 2,835 |
| Loan and lease loss provision to assets | 0.3233% | 4,400 |
| Net operating income to assets | 0.6350% | 3,477 |
| Return on assets (ROA) | 0.6350% | 3,544 |
| Pretax return on assets | 0.7329% | 3,752 |
| Return on Equity (ROE) | 6.3282% | 3,384 |
| Retained earnings to average equity (ytd only) | 5.2155% | 2,361 |
| Net charge-offs to loans | 0.4097% | 3,624 |
| Credit loss provision to net charge-offs | 114.5038% | 4,433 |
| Earnings coverage of net charge-offs (x) | 3.7405% | 3,399 |
| Efficiency ratio | 75.8621% | 3,539 |
| Assets per employee ($millions) | 5.2354% | 1,852 |
| Cash dividends to net income (ytd only)* | 17.5829% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 4,053 |
| Loan loss allowance to noncurrent loans | 2,533.9130% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 7,485 |
| Noncurrent loans to loans | 0.0545% | 7,372 |
| Net loans and leases to total assets | 67.3762% | 4,099 |
| Net loans and leases to deposits | 78.8282% | 4,590 |
| Net loans and leases to core deposits | 88.0238% | 5,638 |
| Total domestic deposits to total assets | 85.4722% | 2,984 |
| Equity capital to assets | 10.2972% | 3,740 |
| Core capital (leverage) ratio | 10.1514% | 3,114 |
| Tier 1 risk-based capital ratio | 12.7149% | 4,380 |
| Total risk-based capital ratio | 13.9086% | 4,377 |
| Memoranda: | ||
| Average total assets | $309,267,000 | 2,177 |
| Average earning assets | $285,372,250 | 2,167 |
| Average equity | $31,035,000 | 2,187 |
| Average total loans | $213,149,250 | 2,187 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8490% | 7,134 |
| Cost of funding earning assets | 1.2611% | 6,923 |
| Net interest margin | 3.5879% | 4,418 |
| Noninterest income to average assets | 1.1552% | 1,168 |
| Noninterest expense to average assets | 3.4022% | 2,621 |
| Loan and lease loss provision to assets | 0.3879% | 3,587 |
| Net operating income to assets | 0.6458% | 3,483 |
| Return on assets (ROA) | 0.6458% | 3,589 |
| Pretax return on assets | 0.6665% | 4,112 |
| Return on Equity (ROE) | 6.4917% | 3,441 |
| Retained earnings to average equity (ytd only) | 4.8087% | 2,635 |
| Net charge-offs to loans | 0.6032% | 2,532 |
| Credit loss provision to net charge-offs | 93.0233% | 4,836 |
| Earnings coverage of net charge-offs (x) | 2.5287% | 3,802 |
| Efficiency ratio | 76.3417% | 3,630 |
| Assets per employee ($millions) | 5.2107% | 1,844 |
| Cash dividends to net income (ytd only)* | 25.9259% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 4,473 |
| Loan loss allowance to noncurrent loans | 2,331.0924% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 7,513 |
| Noncurrent loans to loans | 0.0544% | 7,396 |
| Net loans and leases to total assets | 69.0338% | 3,938 |
| Net loans and leases to deposits | 80.4010% | 4,485 |
| Net loans and leases to core deposits | 90.0831% | 5,527 |
| Total domestic deposits to total assets | 85.8619% | 2,855 |
| Equity capital to assets | 9.9634% | 3,990 |
| Core capital (leverage) ratio | 9.7131% | 3,614 |
| Tier 1 risk-based capital ratio | 12.2293% | 4,733 |
| Total risk-based capital ratio | 13.3391% | 4,762 |
| Memoranda: | ||
| Average total assets | $309,392,330 | 2,205 |
| Average earning assets | $284,677,000 | 2,200 |
| Average equity | $30,777,670 | 2,207 |
| Average total loans | $213,854,670 | 2,211 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 7,170 |
| Cost of funding earning assets | 1.2470% | 7,178 |
| Net interest margin | 3.6560% | 4,075 |
| Noninterest income to average assets | 1.3920% | 728 |
| Noninterest expense to average assets | 3.4494% | 2,234 |
| Loan and lease loss provision to assets | 0.5849% | 2,152 |
| Net operating income to assets | 0.8214% | 3,037 |
| Return on assets (ROA) | 0.8214% | 3,191 |
| Pretax return on assets | 0.7148% | 4,380 |
| Return on Equity (ROE) | 8.2637% | 3,030 |
| Retained earnings to average equity (ytd only) | 4.8772% | 3,203 |
| Net charge-offs to loans | 1.2219% | 1,144 |
| Credit loss provision to net charge-offs | 69.6594% | 4,360 |
| Earnings coverage of net charge-offs (x) | 1.5480% | 3,951 |
| Efficiency ratio | 72.6327% | 4,078 |
| Assets per employee ($millions) | 5.4508% | 1,609 |
| Cash dividends to net income (ytd only)* | 40.9810% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 4,417 |
| Loan loss allowance to noncurrent loans | 2,065.3543% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 7,492 |
| Noncurrent loans to loans | 0.0606% | 7,361 |
| Net loans and leases to total assets | 65.4623% | 4,714 |
| Net loans and leases to deposits | 75.9437% | 5,231 |
| Net loans and leases to core deposits | 83.6797% | 6,085 |
| Total domestic deposits to total assets | 86.1984% | 2,616 |
| Equity capital to assets | 9.7620% | 4,294 |
| Core capital (leverage) ratio | 9.9421% | 3,466 |
| Tier 1 risk-based capital ratio | 12.3049% | 4,703 |
| Total risk-based capital ratio | 13.3737% | 4,752 |
| Memoranda: | ||
| Average total assets | $307,766,500 | 2,229 |
| Average earning assets | $282,607,500 | 2,229 |
| Average equity | $30,591,500 | 2,218 |
| Average total loans | $211,480,000 | 2,255 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7570% | 6,568 |
| Cost of funding earning assets | 1.6421% | 7,367 |
| Net interest margin | 4.1150% | 2,645 |
| Noninterest income to average assets | 0.6030% | 3,824 |
| Noninterest expense to average assets | 3.3752% | 2,749 |
| Loan and lease loss provision to assets | 0.1785% | 5,110 |
| Net operating income to assets | 0.5552% | 4,505 |
| Return on assets (ROA) | 0.5569% | 4,350 |
| Pretax return on assets | 0.7645% | 4,199 |
| Return on Equity (ROE) | 5.5083% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.5083% | 1,762 |
| Net charge-offs to loans | 0.4232% | 2,703 |
| Credit loss provision to net charge-offs | 57.4136% | 6,259 |
| Earnings coverage of net charge-offs (x) | 3.0256% | 4,573 |
| Efficiency ratio | 78.2061% | 2,890 |
| Assets per employee ($millions) | 5.0744% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 3,648 |
| Loan loss allowance to noncurrent loans | 206.5201% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.4559% | 5,857 |
| Noncurrent loans to loans | 0.6397% | 5,445 |
| Net loans and leases to total assets | 70.3309% | 3,943 |
| Net loans and leases to deposits | 82.0278% | 4,726 |
| Net loans and leases to core deposits | 90.9116% | 5,728 |
| Total domestic deposits to total assets | 85.7403% | 2,519 |
| Equity capital to assets | 10.1276% | 3,889 |
| Core capital (leverage) ratio | 10.1986% | 3,270 |
| Tier 1 risk-based capital ratio | 11.9303% | 4,881 |
| Total risk-based capital ratio | 13.0579% | 4,887 |
| Memoranda: | ||
| Average total assets | $288,549,400 | 2,265 |
| Average earning assets | $260,341,800 | 2,291 |
| Average equity | $29,174,400 | 2,321 |
| Average total loans | $211,945,200 | 2,189 |