Home > THE BANK - Oldham County, Inc. > Performance and Condition Ratios
THE BANK - Oldham County, Inc., 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 | 2.4620% | 6,827 |
| Cost of funding earning assets | 0.1039% | 6,902 |
| Net interest margin | 2.3580% | 6,636 |
| Noninterest income to average assets | 0.9912% | 1,485 |
| Noninterest expense to average assets | 2.9201% | 3,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2754% | 5,643 |
| Return on assets (ROA) | 0.2780% | 5,759 |
| Pretax return on assets | 0.3032% | 5,843 |
| Return on Equity (ROE) | 2.3252% | 5,837 |
| Retained earnings to average equity (ytd only) | 2.3252% | 4,861 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6713% | 1,086 |
| Assets per employee ($millions) | 3.6754% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7906% | 827 |
| Loan loss allowance to noncurrent loans | 867.9104% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 5,646 |
| Noncurrent loans to loans | 0.3215% | 5,591 |
| Net loans and leases to total assets | 28.2629% | 6,655 |
| Net loans and leases to deposits | 33.2758% | 6,660 |
| Net loans and leases to core deposits | 33.6085% | 6,684 |
| Total domestic deposits to total assets | 84.9351% | 4,073 |
| Equity capital to assets | 11.8934% | 2,113 |
| Core capital (leverage) ratio | 11.6513% | 1,781 |
| Tier 1 risk-based capital ratio | 26.7449% | 732 |
| Total risk-based capital ratio | 28.0031% | 721 |
| Memoranda: | ||
| Average total assets | $142,458,500 | 3,940 |
| Average earning assets | $134,688,500 | 3,853 |
| Average equity | $17,030,500 | 3,670 |
| Average total loans | $43,569,000 | 5,315 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9548% | 6,790 |
| Cost of funding earning assets | 0.1343% | 6,954 |
| Net interest margin | 2.8205% | 6,362 |
| Noninterest income to average assets | 1.0784% | 1,335 |
| Noninterest expense to average assets | 3.3865% | 2,084 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2809% | 5,537 |
| Return on assets (ROA) | 0.2942% | 5,698 |
| Pretax return on assets | 0.3478% | 5,724 |
| Return on Equity (ROE) | 2.4434% | 5,777 |
| Retained earnings to average equity (ytd only) | 2.4434% | 4,520 |
| Net charge-offs to loans | -0.6425% | 7,017 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0697% | 985 |
| Assets per employee ($millions) | 3.5394% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5581% | 1,065 |
| Loan loss allowance to noncurrent loans | 836.6906% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 5,055 |
| Noncurrent loans to loans | 0.3057% | 5,715 |
| Net loans and leases to total assets | 31.2904% | 6,652 |
| Net loans and leases to deposits | 36.4570% | 6,669 |
| Net loans and leases to core deposits | 36.9653% | 6,704 |
| Total domestic deposits to total assets | 85.8282% | 3,442 |
| Equity capital to assets | 12.0168% | 2,036 |
| Core capital (leverage) ratio | 10.7530% | 2,489 |
| Tier 1 risk-based capital ratio | 25.7888% | 784 |
| Total risk-based capital ratio | 27.0461% | 780 |
| Memoranda: | ||
| Average total assets | $140,025,600 | 3,956 |
| Average earning assets | $131,074,800 | 3,872 |
| Average equity | $16,862,000 | 3,648 |
| Average total loans | $47,315,800 | 5,202 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0277% | 6,892 |
| Cost of funding earning assets | 0.1390% | 7,060 |
| Net interest margin | 2.8887% | 6,382 |
| Noninterest income to average assets | 1.0856% | 1,277 |
| Noninterest expense to average assets | 3.4708% | 1,827 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2881% | 5,652 |
| Return on assets (ROA) | 0.3075% | 5,793 |
| Pretax return on assets | 0.3342% | 5,889 |
| Return on Equity (ROE) | 2.5518% | 5,859 |
| Retained earnings to average equity (ytd only) | 2.5518% | 5,036 |
| Net charge-offs to loans | -0.8176% | 7,114 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7234% | 902 |
| Assets per employee ($millions) | 3.3196% | 5,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4635% | 1,249 |
| Loan loss allowance to noncurrent loans | 794.4828% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 4,837 |
| Noncurrent loans to loans | 0.3101% | 5,864 |
| Net loans and leases to total assets | 33.5116% | 6,679 |
| Net loans and leases to deposits | 39.5690% | 6,690 |
| Net loans and leases to core deposits | 40.3471% | 6,728 |
| Total domestic deposits to total assets | 84.6916% | 3,894 |
| Equity capital to assets | 12.5149% | 1,881 |
| Core capital (leverage) ratio | 11.7611% | 1,800 |
| Tier 1 risk-based capital ratio | 25.2832% | 885 |
| Total risk-based capital ratio | 26.5400% | 873 |
| Memoranda: | ||
| Average total assets | $139,637,750 | 3,996 |
| Average earning assets | $130,435,000 | 3,927 |
| Average equity | $16,824,250 | 3,687 |
| Average total loans | $47,779,000 | 5,244 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0756% | 6,943 |
| Cost of funding earning assets | 0.1432% | 7,128 |
| Net interest margin | 2.9324% | 6,373 |
| Noninterest income to average assets | 1.0439% | 1,333 |
| Noninterest expense to average assets | 3.4371% | 1,944 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3045% | 5,599 |
| Return on assets (ROA) | 0.3323% | 5,714 |
| Pretax return on assets | 0.3721% | 5,776 |
| Return on Equity (ROE) | 2.7933% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.7933% | 4,763 |
| Net charge-offs to loans | -1.1389% | 7,181 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9774% | 998 |
| Assets per employee ($millions) | 3.2849% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3971% | 1,419 |
| Loan loss allowance to noncurrent loans | 740.5229% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 4,497 |
| Noncurrent loans to loans | 0.3237% | 5,908 |
| Net loans and leases to total assets | 33.4379% | 6,752 |
| Net loans and leases to deposits | 39.4437% | 6,752 |
| Net loans and leases to core deposits | 40.2073% | 6,801 |
| Total domestic deposits to total assets | 84.7738% | 3,961 |
| Equity capital to assets | 12.2407% | 1,971 |
| Core capital (leverage) ratio | 11.6511% | 1,808 |
| Tier 1 risk-based capital ratio | 24.3867% | 972 |
| Total risk-based capital ratio | 25.6422% | 953 |
| Memoranda: | ||
| Average total assets | $140,816,330 | 3,994 |
| Average earning assets | $131,291,670 | 3,933 |
| Average equity | $16,754,670 | 3,693 |
| Average total loans | $48,118,000 | 5,265 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0873% | 7,009 |
| Cost of funding earning assets | 0.1499% | 7,188 |
| Net interest margin | 2.9375% | 6,418 |
| Noninterest income to average assets | 1.0039% | 1,415 |
| Noninterest expense to average assets | 3.3774% | 2,065 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3288% | 5,555 |
| Return on assets (ROA) | 0.3796% | 5,536 |
| Pretax return on assets | 0.4415% | 5,611 |
| Return on Equity (ROE) | 3.2359% | 5,619 |
| Retained earnings to average equity (ytd only) | 3.2359% | 4,627 |
| Net charge-offs to loans | 0.7581% | 1,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.4783% | 3,586 |
| Efficiency ratio | 89.8280% | 1,114 |
| Assets per employee ($millions) | 3.3785% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 3,619 |
| Loan loss allowance to noncurrent loans | 462.0482% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.9204% | 4,680 |
| Noncurrent loans to loans | 0.3521% | 5,970 |
| Net loans and leases to total assets | 32.6819% | 6,792 |
| Net loans and leases to deposits | 38.6194% | 6,800 |
| Net loans and leases to core deposits | 39.5162% | 6,831 |
| Total domestic deposits to total assets | 84.6256% | 4,200 |
| Equity capital to assets | 11.7697% | 2,204 |
| Core capital (leverage) ratio | 11.1876% | 2,118 |
| Tier 1 risk-based capital ratio | 23.8993% | 1,020 |
| Total risk-based capital ratio | 25.0518% | 1,015 |
| Memoranda: | ||
| Average total assets | $142,241,500 | 3,997 |
| Average earning assets | $133,448,000 | 3,920 |
| Average equity | $16,688,000 | 3,692 |
| Average total loans | $48,544,000 | 5,286 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3808% | 7,061 |
| Cost of funding earning assets | 0.2337% | 7,198 |
| Net interest margin | 3.1471% | 6,226 |
| Noninterest income to average assets | 0.9996% | 1,369 |
| Noninterest expense to average assets | 3.4820% | 2,027 |
| Loan and lease loss provision to assets | 0.0418% | 6,052 |
| Net operating income to assets | 0.3666% | 5,004 |
| Return on assets (ROA) | 0.3848% | 5,095 |
| Pretax return on assets | 0.4447% | 5,150 |
| Return on Equity (ROE) | 3.4063% | 5,115 |
| Retained earnings to average equity (ytd only) | 2.7892% | 4,253 |
| Net charge-offs to loans | 1.1031% | 1,563 |
| Credit loss provision to net charge-offs | 10.1351% | 6,007 |
| Earnings coverage of net charge-offs (x) | 1.1284% | 4,943 |
| Efficiency ratio | 88.2041% | 1,346 |
| Assets per employee ($millions) | 3.3949% | 5,260 |
| Cash dividends to net income (ytd only)* | 18.1159% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7199% | 3,126 |
| Loan loss allowance to noncurrent loans | 82.2797% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.2813% | 4,076 |
| Noncurrent loans to loans | 2.0903% | 3,077 |
| Net loans and leases to total assets | 34.4265% | 6,849 |
| Net loans and leases to deposits | 40.6050% | 6,847 |
| Net loans and leases to core deposits | 41.9131% | 6,887 |
| Total domestic deposits to total assets | 84.7838% | 3,968 |
| Equity capital to assets | 11.6948% | 2,344 |
| Core capital (leverage) ratio | 10.3702% | 2,882 |
| Tier 1 risk-based capital ratio | 23.1892% | 1,080 |
| Total risk-based capital ratio | 24.4391% | 1,061 |
| Memoranda: | ||
| Average total assets | $143,453,200 | 3,921 |
| Average earning assets | $134,377,800 | 3,845 |
| Average equity | $16,205,400 | 3,690 |
| Average total loans | $53,666,800 | 5,124 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4502% | 7,109 |
| Cost of funding earning assets | 0.2535% | 7,274 |
| Net interest margin | 3.1967% | 6,165 |
| Noninterest income to average assets | 0.9837% | 1,378 |
| Noninterest expense to average assets | 3.5144% | 1,906 |
| Loan and lease loss provision to assets | 0.0557% | 5,749 |
| Net operating income to assets | 0.3591% | 5,168 |
| Return on assets (ROA) | 0.3721% | 5,305 |
| Pretax return on assets | 0.4241% | 5,389 |
| Return on Equity (ROE) | 3.3233% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.3233% | 4,357 |
| Net charge-offs to loans | 1.4384% | 1,021 |
| Credit loss provision to net charge-offs | 10.1868% | 5,660 |
| Earnings coverage of net charge-offs (x) | 0.8506% | 4,977 |
| Efficiency ratio | 88.3162% | 1,316 |
| Assets per employee ($millions) | 3.3370% | 5,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 3,171 |
| Loan loss allowance to noncurrent loans | 82.3305% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.3100% | 4,187 |
| Noncurrent loans to loans | 2.1012% | 3,244 |
| Net loans and leases to total assets | 34.9370% | 6,915 |
| Net loans and leases to deposits | 41.7414% | 6,920 |
| Net loans and leases to core deposits | 43.5532% | 6,934 |
| Total domestic deposits to total assets | 83.6988% | 4,379 |
| Equity capital to assets | 11.9275% | 2,309 |
| Core capital (leverage) ratio | 11.3004% | 2,165 |
| Tier 1 risk-based capital ratio | 23.3419% | 1,100 |
| Total risk-based capital ratio | 24.5921% | 1,083 |
| Memoranda: | ||
| Average total assets | $143,670,250 | 3,931 |
| Average earning assets | $134,637,000 | 3,873 |
| Average equity | $16,088,000 | 3,722 |
| Average total loans | $54,597,000 | 5,134 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4388% | 7,195 |
| Cost of funding earning assets | 0.2770% | 7,340 |
| Net interest margin | 3.1618% | 6,255 |
| Noninterest income to average assets | 0.9279% | 1,544 |
| Noninterest expense to average assets | 3.4700% | 2,067 |
| Loan and lease loss provision to assets | 0.0621% | 5,526 |
| Net operating income to assets | 0.3286% | 5,255 |
| Return on assets (ROA) | 0.3286% | 5,389 |
| Pretax return on assets | 0.3590% | 5,521 |
| Return on Equity (ROE) | 2.9978% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.9978% | 4,370 |
| Net charge-offs to loans | 1.8901% | 719 |
| Credit loss provision to net charge-offs | 8.4746% | 5,264 |
| Earnings coverage of net charge-offs (x) | 0.5744% | 4,871 |
| Efficiency ratio | 89.1767% | 1,305 |
| Assets per employee ($millions) | 3.4141% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 3,340 |
| Loan loss allowance to noncurrent loans | 55.1157% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.2985% | 4,306 |
| Noncurrent loans to loans | 3.0747% | 2,345 |
| Net loans and leases to total assets | 36.6125% | 6,930 |
| Net loans and leases to deposits | 42.8633% | 6,962 |
| Net loans and leases to core deposits | 44.6386% | 6,990 |
| Total domestic deposits to total assets | 85.4168% | 3,662 |
| Equity capital to assets | 11.3996% | 2,602 |
| Core capital (leverage) ratio | 10.6721% | 2,545 |
| Tier 1 risk-based capital ratio | 22.1134% | 1,241 |
| Total risk-based capital ratio | 23.3643% | 1,209 |
| Memoranda: | ||
| Average total assets | $144,842,000 | 3,938 |
| Average earning assets | $135,745,000 | 3,867 |
| Average equity | $15,878,330 | 3,752 |
| Average total loans | $56,186,670 | 5,110 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4665% | 7,228 |
| Cost of funding earning assets | 0.3082% | 7,375 |
| Net interest margin | 3.1583% | 6,196 |
| Noninterest income to average assets | 0.9508% | 1,467 |
| Noninterest expense to average assets | 3.4815% | 2,056 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3737% | 5,051 |
| Return on assets (ROA) | 0.3737% | 5,135 |
| Pretax return on assets | 0.4259% | 5,256 |
| Return on Equity (ROE) | 3.4773% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.4773% | 4,096 |
| Net charge-offs to loans | 3.6959% | 266 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.2914% | 4,396 |
| Efficiency ratio | 89.0999% | 1,410 |
| Assets per employee ($millions) | 3.4788% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 4,001 |
| Loan loss allowance to noncurrent loans | 52.2188% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 1.6234% | 3,814 |
| Noncurrent loans to loans | 2.9528% | 2,546 |
| Net loans and leases to total assets | 37.5409% | 6,929 |
| Net loans and leases to deposits | 43.3862% | 6,967 |
| Net loans and leases to core deposits | 45.3123% | 6,999 |
| Total domestic deposits to total assets | 86.5273% | 3,219 |
| Equity capital to assets | 10.8117% | 2,866 |
| Core capital (leverage) ratio | 10.7586% | 2,391 |
| Tier 1 risk-based capital ratio | 20.5205% | 1,472 |
| Total risk-based capital ratio | 21.6610% | 1,476 |
| Memoranda: | ||
| Average total assets | $145,567,500 | 3,966 |
| Average earning assets | $136,277,000 | 3,892 |
| Average equity | $15,644,500 | 3,788 |
| Average total loans | $57,578,000 | 5,106 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 7,154 |
| Cost of funding earning assets | 0.4352% | 7,391 |
| Net interest margin | 3.5414% | 5,071 |
| Noninterest income to average assets | 1.0655% | 1,318 |
| Noninterest expense to average assets | 3.6874% | 1,731 |
| Loan and lease loss provision to assets | 0.2070% | 5,178 |
| Net operating income to assets | 0.4211% | 4,458 |
| Return on assets (ROA) | 0.4409% | 4,518 |
| Pretax return on assets | 0.5157% | 4,563 |
| Return on Equity (ROE) | 3.8486% | 4,589 |
| Retained earnings to average equity (ytd only) | 3.2146% | 3,617 |
| Net charge-offs to loans | 0.3099% | 4,469 |
| Credit loss provision to net charge-offs | 147.6684% | 2,479 |
| Earnings coverage of net charge-offs (x) | 4.9896% | 2,746 |
| Efficiency ratio | 84.0563% | 1,916 |
| Assets per employee ($millions) | 3.5372% | 4,856 |
| Cash dividends to net income (ytd only)* | 16.4745% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3399% | 1,633 |
| Loan loss allowance to noncurrent loans | 65.1522% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 2.0403% | 3,296 |
| Noncurrent loans to loans | 3.5915% | 2,090 |
| Net loans and leases to total assets | 40.0310% | 6,961 |
| Net loans and leases to deposits | 46.2811% | 7,034 |
| Net loans and leases to core deposits | 48.3481% | 7,054 |
| Total domestic deposits to total assets | 86.4954% | 3,081 |
| Equity capital to assets | 10.6823% | 2,975 |
| Core capital (leverage) ratio | 10.2040% | 2,858 |
| Tier 1 risk-based capital ratio | 19.6923% | 1,555 |
| Total risk-based capital ratio | 20.9495% | 1,521 |
| Memoranda: | ||
| Average total assets | $137,686,400 | 4,100 |
| Average earning assets | $129,131,400 | 4,038 |
| Average equity | $15,772,000 | 3,809 |
| Average total loans | $62,279,800 | 4,983 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 7,195 |
| Cost of funding earning assets | 0.4579% | 7,510 |
| Net interest margin | 3.6506% | 4,633 |
| Noninterest income to average assets | 1.0541% | 1,296 |
| Noninterest expense to average assets | 3.7246% | 1,521 |
| Loan and lease loss provision to assets | 0.0785% | 6,263 |
| Net operating income to assets | 0.5399% | 4,133 |
| Return on assets (ROA) | 0.5653% | 4,193 |
| Pretax return on assets | 0.7017% | 4,224 |
| Return on Equity (ROE) | 4.8477% | 4,371 |
| Retained earnings to average equity (ytd only) | 4.8477% | 3,084 |
| Net charge-offs to loans | 0.0423% | 6,118 |
| Credit loss provision to net charge-offs | 400.0000% | 754 |
| Earnings coverage of net charge-offs (x) | 38.1444% | 715 |
| Efficiency ratio | 83.2602% | 1,924 |
| Assets per employee ($millions) | 3.1042% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2486% | 1,701 |
| Loan loss allowance to noncurrent loans | 63.0626% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.6942% | 3,903 |
| Noncurrent loans to loans | 3.5656% | 2,200 |
| Net loans and leases to total assets | 43.2541% | 6,890 |
| Net loans and leases to deposits | 51.1347% | 6,939 |
| Net loans and leases to core deposits | 53.4216% | 6,986 |
| Total domestic deposits to total assets | 84.5885% | 3,834 |
| Equity capital to assets | 11.9331% | 2,202 |
| Core capital (leverage) ratio | 11.3185% | 2,054 |
| Tier 1 risk-based capital ratio | 20.2343% | 1,503 |
| Total risk-based capital ratio | 21.4914% | 1,470 |
| Memoranda: | ||
| Average total assets | $135,851,750 | 4,193 |
| Average earning assets | $127,244,250 | 4,130 |
| Average equity | $15,842,000 | 3,835 |
| Average total loans | $62,988,250 | 5,027 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 7,174 |
| Cost of funding earning assets | 0.4749% | 7,577 |
| Net interest margin | 3.7231% | 4,258 |
| Noninterest income to average assets | 1.0073% | 1,363 |
| Noninterest expense to average assets | 3.6016% | 1,777 |
| Loan and lease loss provision to assets | 0.0737% | 6,207 |
| Net operating income to assets | 0.6352% | 3,705 |
| Return on assets (ROA) | 0.6652% | 3,704 |
| Pretax return on assets | 0.8510% | 3,698 |
| Return on Equity (ROE) | 5.7490% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.7490% | 2,470 |
| Net charge-offs to loans | -0.0877% | 7,536 |
| Credit loss provision to net charge-offs | -178.5714% | 6,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2498% | 2,412 |
| Assets per employee ($millions) | 3.1169% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 1,756 |
| Loan loss allowance to noncurrent loans | 61.3090% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.6758% | 3,923 |
| Noncurrent loans to loans | 3.5856% | 2,200 |
| Net loans and leases to total assets | 45.7101% | 6,792 |
| Net loans and leases to deposits | 53.9463% | 6,867 |
| Net loans and leases to core deposits | 56.5272% | 6,910 |
| Total domestic deposits to total assets | 84.7327% | 3,759 |
| Equity capital to assets | 11.9142% | 2,151 |
| Core capital (leverage) ratio | 11.5045% | 1,914 |
| Tier 1 risk-based capital ratio | 19.5261% | 1,599 |
| Total risk-based capital ratio | 20.7824% | 1,572 |
| Memoranda: | ||
| Average total assets | $135,607,000 | 4,222 |
| Average earning assets | $126,775,330 | 4,159 |
| Average equity | $15,689,670 | 3,858 |
| Average total loans | $63,838,330 | 5,022 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 7,268 |
| Cost of funding earning assets | 0.4883% | 7,688 |
| Net interest margin | 3.7078% | 4,202 |
| Noninterest income to average assets | 0.9531% | 1,442 |
| Noninterest expense to average assets | 3.5895% | 1,765 |
| Loan and lease loss provision to assets | 0.0587% | 6,055 |
| Net operating income to assets | 0.5948% | 3,911 |
| Return on assets (ROA) | 0.6481% | 3,793 |
| Pretax return on assets | 0.8241% | 3,773 |
| Return on Equity (ROE) | 5.6847% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.6847% | 2,772 |
| Net charge-offs to loans | -0.1862% | 7,657 |
| Credit loss provision to net charge-offs | -66.6667% | 6,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4913% | 2,351 |
| Assets per employee ($millions) | 3.2028% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1039% | 1,947 |
| Loan loss allowance to noncurrent loans | 485.2518% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 6,946 |
| Noncurrent loans to loans | 0.4336% | 6,433 |
| Net loans and leases to total assets | 46.6636% | 6,779 |
| Net loans and leases to deposits | 55.4083% | 6,816 |
| Net loans and leases to core deposits | 58.0573% | 6,876 |
| Total domestic deposits to total assets | 84.2177% | 4,039 |
| Equity capital to assets | 11.6691% | 2,249 |
| Core capital (leverage) ratio | 11.1786% | 2,111 |
| Tier 1 risk-based capital ratio | 18.8922% | 1,744 |
| Total risk-based capital ratio | 20.1475% | 1,702 |
| Memoranda: | ||
| Average total assets | $136,398,000 | 4,263 |
| Average earning assets | $126,974,000 | 4,217 |
| Average equity | $15,550,500 | 3,908 |
| Average total loans | $64,437,500 | 5,066 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7413% | 7,074 |
| Cost of funding earning assets | 0.6873% | 7,699 |
| Net interest margin | 4.0539% | 2,634 |
| Noninterest income to average assets | 1.0398% | 1,439 |
| Noninterest expense to average assets | 3.7329% | 1,837 |
| Loan and lease loss provision to assets | 0.2476% | 5,410 |
| Net operating income to assets | 0.6664% | 3,076 |
| Return on assets (ROA) | 0.6733% | 3,094 |
| Pretax return on assets | 0.8691% | 3,019 |
| Return on Equity (ROE) | 6.0661% | 3,182 |
| Retained earnings to average equity (ytd only) | 4.0685% | 2,374 |
| Net charge-offs to loans | 0.5448% | 3,609 |
| Credit loss provision to net charge-offs | 92.2865% | 5,928 |
| Earnings coverage of net charge-offs (x) | 4.1295% | 3,046 |
| Efficiency ratio | 77.1145% | 3,343 |
| Assets per employee ($millions) | 3.2923% | 5,508 |
| Cash dividends to net income (ytd only)* | 32.9308% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0060% | 2,008 |
| Loan loss allowance to noncurrent loans | 431.5615% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 6,918 |
| Noncurrent loans to loans | 0.4648% | 6,333 |
| Net loans and leases to total assets | 45.8902% | 6,986 |
| Net loans and leases to deposits | 54.2725% | 7,035 |
| Net loans and leases to core deposits | 62.6188% | 7,167 |
| Total domestic deposits to total assets | 84.5550% | 3,772 |
| Equity capital to assets | 11.1399% | 2,593 |
| Core capital (leverage) ratio | 10.6180% | 2,491 |
| Tier 1 risk-based capital ratio | 18.3891% | 1,777 |
| Total risk-based capital ratio | 19.6442% | 1,735 |
| Memoranda: | ||
| Average total assets | $135,310,800 | 4,231 |
| Average earning assets | $126,864,800 | 4,156 |
| Average equity | $15,017,800 | 4,053 |
| Average total loans | $66,630,600 | 4,994 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8285% | 7,053 |
| Cost of funding earning assets | 0.7339% | 7,776 |
| Net interest margin | 4.0947% | 2,420 |
| Noninterest income to average assets | 1.0245% | 1,515 |
| Noninterest expense to average assets | 3.7650% | 1,674 |
| Loan and lease loss provision to assets | 0.0991% | 6,374 |
| Net operating income to assets | 0.7754% | 2,916 |
| Return on assets (ROA) | 0.7837% | 2,943 |
| Pretax return on assets | 1.0245% | 2,823 |
| Return on Equity (ROE) | 7.0680% | 3,044 |
| Retained earnings to average equity (ytd only) | 4.3874% | 2,822 |
| Net charge-offs to loans | 0.2802% | 4,279 |
| Credit loss provision to net charge-offs | 70.9220% | 5,966 |
| Earnings coverage of net charge-offs (x) | 7.9644% | 2,325 |
| Efficiency ratio | 77.1887% | 3,289 |
| Assets per employee ($millions) | 2.9678% | 6,250 |
| Cash dividends to net income (ytd only)* | 37.9267% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9848% | 1,838 |
| Loan loss allowance to noncurrent loans | 259.7980% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 6,487 |
| Noncurrent loans to loans | 0.7640% | 5,778 |
| Net loans and leases to total assets | 49.7630% | 6,797 |
| Net loans and leases to deposits | 59.5406% | 6,862 |
| Net loans and leases to core deposits | 69.3115% | 6,998 |
| Total domestic deposits to total assets | 83.5782% | 3,915 |
| Equity capital to assets | 12.0916% | 2,193 |
| Core capital (leverage) ratio | 11.2557% | 2,217 |
| Tier 1 risk-based capital ratio | 19.1002% | 1,728 |
| Total risk-based capital ratio | 20.3559% | 1,686 |
| Memoranda: | ||
| Average total assets | $134,569,000 | 4,268 |
| Average earning assets | $126,633,500 | 4,190 |
| Average equity | $14,921,250 | 4,107 |
| Average total loans | $67,099,500 | 5,016 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8147% | 7,201 |
| Cost of funding earning assets | 0.7846% | 7,838 |
| Net interest margin | 4.0301% | 2,580 |
| Noninterest income to average assets | 0.9891% | 1,636 |
| Noninterest expense to average assets | 3.6512% | 1,943 |
| Loan and lease loss provision to assets | 0.0438% | 6,794 |
| Net operating income to assets | 0.8365% | 2,713 |
| Return on assets (ROA) | 0.8489% | 2,759 |
| Pretax return on assets | 1.1075% | 2,611 |
| Return on Equity (ROE) | 7.8773% | 2,826 |
| Retained earnings to average equity (ytd only) | 3.8098% | 3,174 |
| Net charge-offs to loans | 0.4126% | 3,145 |
| Credit loss provision to net charge-offs | 21.4286% | 6,113 |
| Earnings coverage of net charge-offs (x) | 5.5500% | 2,812 |
| Efficiency ratio | 76.2821% | 3,640 |
| Assets per employee ($millions) | 3.0751% | 5,932 |
| Cash dividends to net income (ytd only)* | 51.6351% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 1,927 |
| Loan loss allowance to noncurrent loans | 271.6518% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 6,611 |
| Noncurrent loans to loans | 0.6793% | 5,891 |
| Net loans and leases to total assets | 48.9541% | 6,963 |
| Net loans and leases to deposits | 58.3113% | 7,001 |
| Net loans and leases to core deposits | 67.4580% | 7,147 |
| Total domestic deposits to total assets | 83.9530% | 3,798 |
| Equity capital to assets | 11.1601% | 2,787 |
| Core capital (leverage) ratio | 10.7489% | 2,607 |
| Tier 1 risk-based capital ratio | 17.9712% | 2,034 |
| Total risk-based capital ratio | 19.2245% | 1,964 |
| Memoranda: | ||
| Average total assets | $136,886,330 | 4,238 |
| Average earning assets | $128,979,000 | 4,157 |
| Average equity | $14,751,330 | 4,150 |
| Average total loans | $67,868,670 | 5,035 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 7,373 |
| Cost of funding earning assets | 0.8238% | 7,884 |
| Net interest margin | 3.9727% | 2,763 |
| Noninterest income to average assets | 0.9108% | 1,809 |
| Noninterest expense to average assets | 3.5801% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8031% | 3,117 |
| Return on assets (ROA) | 0.8246% | 3,182 |
| Pretax return on assets | 1.1005% | 2,985 |
| Return on Equity (ROE) | 7.7838% | 3,252 |
| Retained earnings to average equity (ytd only) | 4.3937% | 3,469 |
| Net charge-offs to loans | 0.8252% | 1,572 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.6268% | 3,445 |
| Efficiency ratio | 76.9611% | 3,331 |
| Assets per employee ($millions) | 3.1943% | 5,610 |
| Cash dividends to net income (ytd only)* | 43.5540% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 2,066 |
| Loan loss allowance to noncurrent loans | 286.9249% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 6,621 |
| Noncurrent loans to loans | 0.6007% | 5,891 |
| Net loans and leases to total assets | 49.1926% | 6,932 |
| Net loans and leases to deposits | 59.1885% | 6,959 |
| Net loans and leases to core deposits | 68.3102% | 7,122 |
| Total domestic deposits to total assets | 83.1118% | 4,084 |
| Equity capital to assets | 10.8186% | 3,160 |
| Core capital (leverage) ratio | 10.6711% | 2,765 |
| Tier 1 risk-based capital ratio | 17.0470% | 2,323 |
| Total risk-based capital ratio | 18.2991% | 2,260 |
| Memoranda: | ||
| Average total assets | $139,214,500 | 4,202 |
| Average earning assets | $131,093,500 | 4,130 |
| Average equity | $14,748,500 | 4,184 |
| Average total loans | $68,828,500 | 5,021 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4677% | 7,370 |
| Cost of funding earning assets | 1.2621% | 7,879 |
| Net interest margin | 4.2055% | 2,292 |
| Noninterest income to average assets | 0.9808% | 1,644 |
| Noninterest expense to average assets | 3.6387% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9363% | 2,849 |
| Return on assets (ROA) | 0.9837% | 2,499 |
| Pretax return on assets | 1.3464% | 2,146 |
| Return on Equity (ROE) | 9.6542% | 2,377 |
| Retained earnings to average equity (ytd only) | 7.1476% | 1,104 |
| Net charge-offs to loans | -0.1344% | 8,123 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9543% | 3,583 |
| Assets per employee ($millions) | 3.2808% | 5,259 |
| Cash dividends to net income (ytd only)* | 25.9644% | 4,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9259% | 1,369 |
| Loan loss allowance to noncurrent loans | 319.7590% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 6,410 |
| Noncurrent loans to loans | 0.6023% | 5,570 |
| Net loans and leases to total assets | 47.9014% | 7,195 |
| Net loans and leases to deposits | 58.2994% | 7,189 |
| Net loans and leases to core deposits | 67.0430% | 7,327 |
| Total domestic deposits to total assets | 82.1646% | 4,137 |
| Equity capital to assets | 10.3755% | 3,638 |
| Core capital (leverage) ratio | 9.7858% | 3,669 |
| Tier 1 risk-based capital ratio | 16.9253% | 2,334 |
| Total risk-based capital ratio | 18.1790% | 2,281 |
| Memoranda: | ||
| Average total assets | $137,027,200 | 4,141 |
| Average earning assets | $128,354,200 | 4,073 |
| Average equity | $13,962,800 | 4,346 |
| Average total loans | $66,941,400 | 4,978 |