Home > The Citizens Bank > Performance and Condition Ratios
The Citizens Bank, Performance and Condition Ratios
| 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 | 4.2726% | 4,311 |
| Cost of funding earning assets | 0.9522% | 1,631 |
| Net interest margin | 3.3203% | 5,179 |
| Noninterest income to average assets | 0.4448% | 4,286 |
| Noninterest expense to average assets | 1.4790% | 6,880 |
| Loan and lease loss provision to assets | 0.2537% | 2,623 |
| Net operating income to assets | 1.1389% | 1,810 |
| Return on assets (ROA) | 1.1369% | 1,986 |
| Pretax return on assets | 1.6714% | 1,206 |
| Return on Equity (ROE) | 6.8362% | 3,739 |
| Retained earnings to average equity (ytd only) | 5.5768% | 2,334 |
| Net charge-offs to loans | 0.8151% | 1,436 |
| Credit loss provision to net charge-offs | 117.4863% | 2,449 |
| Earnings coverage of net charge-offs (x) | 8.9290% | 2,333 |
| Efficiency ratio | 43.4113% | 6,865 |
| Assets per employee ($millions) | 7.1832% | 716 |
| Cash dividends to net income (ytd only)* | 18.4224% | 3,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8732% | 754 |
| Loan loss allowance to noncurrent loans | 75.9902% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.6085% | 2,979 |
| Noncurrent loans to loans | 3.7810% | 1,279 |
| Net loans and leases to total assets | 24.4517% | 6,851 |
| Net loans and leases to deposits | 29.4559% | 6,844 |
| Net loans and leases to core deposits | 30.8588% | 6,830 |
| Total domestic deposits to total assets | 83.0113% | 4,724 |
| Equity capital to assets | 16.7909% | 439 |
| Core capital (leverage) ratio | 17.0932% | 344 |
| Tier 1 risk-based capital ratio | 51.0084% | 135 |
| Total risk-based capital ratio | 52.2708% | 136 |
| Memoranda: | ||
| Average total assets | $169,502,000 | 3,464 |
| Average earning assets | $151,221,000 | 3,524 |
| Average equity | $28,188,200 | 2,380 |
| Average total loans | $44,901,600 | 5,287 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 3,875 |
| Cost of funding earning assets | 1.0218% | 1,440 |
| Net interest margin | 3.4201% | 4,964 |
| Noninterest income to average assets | 0.3389% | 5,093 |
| Noninterest expense to average assets | 1.2339% | 7,071 |
| Loan and lease loss provision to assets | 0.2449% | 2,606 |
| Net operating income to assets | 1.3901% | 1,251 |
| Return on assets (ROA) | 1.3872% | 1,381 |
| Pretax return on assets | 1.8888% | 895 |
| Return on Equity (ROE) | 8.3621% | 3,100 |
| Retained earnings to average equity (ytd only) | 6.6716% | 2,297 |
| Net charge-offs to loans | 0.7804% | 1,418 |
| Credit loss provision to net charge-offs | 116.9811% | 2,484 |
| Earnings coverage of net charge-offs (x) | 10.2115% | 2,213 |
| Efficiency ratio | 36.5979% | 7,064 |
| Assets per employee ($millions) | 7.5826% | 568 |
| Cash dividends to net income (ytd only)* | 20.2164% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7138% | 965 |
| Loan loss allowance to noncurrent loans | 66.3784% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.7414% | 2,996 |
| Noncurrent loans to loans | 4.0883% | 1,236 |
| Net loans and leases to total assets | 26.3900% | 6,914 |
| Net loans and leases to deposits | 31.9517% | 6,914 |
| Net loans and leases to core deposits | 33.8857% | 6,904 |
| Total domestic deposits to total assets | 82.5935% | 4,791 |
| Equity capital to assets | 17.2494% | 426 |
| Core capital (leverage) ratio | 16.8259% | 387 |
| Tier 1 risk-based capital ratio | 46.1435% | 166 |
| Total risk-based capital ratio | 47.4028% | 164 |
| Memoranda: | ||
| Average total assets | $168,778,250 | 3,510 |
| Average earning assets | $149,661,500 | 3,594 |
| Average equity | $27,998,500 | 2,409 |
| Average total loans | $45,276,750 | 5,331 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4098% | 4,147 |
| Cost of funding earning assets | 1.0493% | 1,475 |
| Net interest margin | 3.3605% | 5,231 |
| Noninterest income to average assets | 0.3152% | 5,302 |
| Noninterest expense to average assets | 1.2005% | 7,142 |
| Loan and lease loss provision to assets | 0.2656% | 2,457 |
| Net operating income to assets | 1.3842% | 1,220 |
| Return on assets (ROA) | 1.3799% | 1,386 |
| Pretax return on assets | 1.9052% | 837 |
| Return on Equity (ROE) | 8.4284% | 3,055 |
| Retained earnings to average equity (ytd only) | 5.8689% | 2,787 |
| Net charge-offs to loans | 0.8082% | 1,362 |
| Credit loss provision to net charge-offs | 122.9508% | 2,228 |
| Earnings coverage of net charge-offs (x) | 10.0765% | 2,099 |
| Efficiency ratio | 35.5470% | 7,127 |
| Assets per employee ($millions) | 6.8169% | 806 |
| Cash dividends to net income (ytd only)* | 30.3678% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6794% | 1,064 |
| Loan loss allowance to noncurrent loans | 72.0165% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.7697% | 3,079 |
| Noncurrent loans to loans | 3.7205% | 1,520 |
| Net loans and leases to total assets | 26.1087% | 6,974 |
| Net loans and leases to deposits | 31.4053% | 6,979 |
| Net loans and leases to core deposits | 33.3166% | 6,968 |
| Total domestic deposits to total assets | 83.1348% | 4,701 |
| Equity capital to assets | 16.5331% | 503 |
| Core capital (leverage) ratio | 16.4012% | 421 |
| Tier 1 risk-based capital ratio | 43.9694% | 180 |
| Total risk-based capital ratio | 45.2246% | 178 |
| Memoranda: | ||
| Average total assets | $169,432,000 | 3,506 |
| Average earning assets | $154,384,000 | 3,529 |
| Average equity | $27,739,670 | 2,419 |
| Average total loans | $45,285,330 | 5,368 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 4,569 |
| Cost of funding earning assets | 1.0729% | 1,534 |
| Net interest margin | 3.2668% | 5,587 |
| Noninterest income to average assets | 0.3149% | 5,349 |
| Noninterest expense to average assets | 1.2620% | 7,188 |
| Loan and lease loss provision to assets | 0.2486% | 2,473 |
| Net operating income to assets | 1.3976% | 1,226 |
| Return on assets (ROA) | 1.3922% | 1,380 |
| Pretax return on assets | 1.8539% | 966 |
| Return on Equity (ROE) | 8.5460% | 3,035 |
| Retained earnings to average equity (ytd only) | 8.5460% | 1,762 |
| Net charge-offs to loans | 0.8964% | 1,148 |
| Credit loss provision to net charge-offs | 103.9604% | 2,223 |
| Earnings coverage of net charge-offs (x) | 8.8218% | 1,918 |
| Efficiency ratio | 37.4298% | 7,162 |
| Assets per employee ($millions) | 6.7705% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6747% | 1,149 |
| Loan loss allowance to noncurrent loans | 130.8710% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.2938% | 3,977 |
| Noncurrent loans to loans | 2.0438% | 3,096 |
| Net loans and leases to total assets | 25.5177% | 7,052 |
| Net loans and leases to deposits | 30.6328% | 7,038 |
| Net loans and leases to core deposits | 32.4388% | 7,030 |
| Total domestic deposits to total assets | 83.3017% | 4,813 |
| Equity capital to assets | 16.3946% | 514 |
| Core capital (leverage) ratio | 16.3339% | 431 |
| Tier 1 risk-based capital ratio | 44.1394% | 176 |
| Total risk-based capital ratio | 45.3970% | 171 |
| Memoranda: | ||
| Average total assets | $168,937,000 | 3,535 |
| Average earning assets | $158,073,500 | 3,472 |
| Average equity | $27,521,500 | 2,430 |
| Average total loans | $45,068,000 | 5,414 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8197% | 3,714 |
| Cost of funding earning assets | 1.3801% | 1,120 |
| Net interest margin | 3.4396% | 5,368 |
| Noninterest income to average assets | 0.3693% | 4,866 |
| Noninterest expense to average assets | 1.6224% | 7,106 |
| Loan and lease loss provision to assets | 0.9233% | 1,039 |
| Net operating income to assets | 0.8656% | 2,753 |
| Return on assets (ROA) | 0.8761% | 2,848 |
| Pretax return on assets | 1.0773% | 2,917 |
| Return on Equity (ROE) | 5.5093% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.0422% | 4,064 |
| Net charge-offs to loans | 3.4372% | 230 |
| Credit loss provision to net charge-offs | 92.2216% | 3,912 |
| Earnings coverage of net charge-offs (x) | 1.9853% | 4,293 |
| Efficiency ratio | 44.9420% | 7,094 |
| Assets per employee ($millions) | 6.7444% | 842 |
| Cash dividends to net income (ytd only)* | 44.7811% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5854% | 1,213 |
| Loan loss allowance to noncurrent loans | 124.9208% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.4127% | 3,871 |
| Noncurrent loans to loans | 2.0696% | 3,113 |
| Net loans and leases to total assets | 26.4360% | 7,109 |
| Net loans and leases to deposits | 31.6795% | 7,099 |
| Net loans and leases to core deposits | 33.5509% | 7,085 |
| Total domestic deposits to total assets | 83.4483% | 4,567 |
| Equity capital to assets | 16.1870% | 557 |
| Core capital (leverage) ratio | 15.8867% | 474 |
| Tier 1 risk-based capital ratio | 42.0115% | 201 |
| Total risk-based capital ratio | 43.2687% | 193 |
| Memoranda: | ||
| Average total assets | $169,504,000 | 3,496 |
| Average earning assets | $159,699,800 | 3,414 |
| Average equity | $26,954,200 | 2,402 |
| Average total loans | $49,371,000 | 5,287 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9523% | 3,316 |
| Cost of funding earning assets | 1.4693% | 955 |
| Net interest margin | 3.4829% | 5,254 |
| Noninterest income to average assets | 0.3354% | 5,175 |
| Noninterest expense to average assets | 1.4329% | 7,266 |
| Loan and lease loss provision to assets | 0.9780% | 893 |
| Net operating income to assets | 0.8784% | 2,828 |
| Return on assets (ROA) | 0.8916% | 2,925 |
| Pretax return on assets | 1.2200% | 2,561 |
| Return on Equity (ROE) | 5.6320% | 4,217 |
| Retained earnings to average equity (ytd only) | 3.8704% | 3,972 |
| Net charge-offs to loans | 3.9860% | 167 |
| Credit loss provision to net charge-offs | 82.8343% | 4,043 |
| Earnings coverage of net charge-offs (x) | 1.8463% | 4,280 |
| Efficiency ratio | 39.6608% | 7,269 |
| Assets per employee ($millions) | 6.5396% | 926 |
| Cash dividends to net income (ytd only)* | 31.2773% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1811% | 1,901 |
| Loan loss allowance to noncurrent loans | 201.7176% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 4,834 |
| Noncurrent loans to loans | 1.0813% | 4,749 |
| Net loans and leases to total assets | 27.8798% | 7,149 |
| Net loans and leases to deposits | 33.2811% | 7,153 |
| Net loans and leases to core deposits | 35.1456% | 7,141 |
| Total domestic deposits to total assets | 83.7705% | 4,337 |
| Equity capital to assets | 16.0483% | 620 |
| Core capital (leverage) ratio | 15.8840% | 519 |
| Tier 1 risk-based capital ratio | 40.8029% | 234 |
| Total risk-based capital ratio | 42.0575% | 231 |
| Memoranda: | ||
| Average total assets | $169,727,250 | 3,526 |
| Average earning assets | $159,707,500 | 3,431 |
| Average equity | $26,869,500 | 2,405 |
| Average total loans | $50,274,500 | 5,300 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 3,643 |
| Cost of funding earning assets | 1.5127% | 962 |
| Net interest margin | 3.3828% | 5,600 |
| Noninterest income to average assets | 0.3195% | 5,343 |
| Noninterest expense to average assets | 1.3783% | 7,366 |
| Loan and lease loss provision to assets | 0.5542% | 1,749 |
| Net operating income to assets | 1.1793% | 1,637 |
| Return on assets (ROA) | 1.1767% | 1,728 |
| Pretax return on assets | 1.5870% | 1,280 |
| Return on Equity (ROE) | 7.4672% | 3,208 |
| Retained earnings to average equity (ytd only) | 4.8110% | 3,111 |
| Net charge-offs to loans | 1.7178% | 831 |
| Credit loss provision to net charge-offs | 107.5515% | 2,862 |
| Earnings coverage of net charge-offs (x) | 4.1625% | 2,945 |
| Efficiency ratio | 39.1232% | 7,347 |
| Assets per employee ($millions) | 6.5134% | 925 |
| Cash dividends to net income (ytd only)* | 35.5711% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6926% | 1,187 |
| Loan loss allowance to noncurrent loans | 149.2802% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 4,692 |
| Noncurrent loans to loans | 1.8037% | 3,750 |
| Net loans and leases to total assets | 28.7668% | 7,221 |
| Net loans and leases to deposits | 34.4027% | 7,206 |
| Net loans and leases to core deposits | 36.1999% | 7,216 |
| Total domestic deposits to total assets | 83.6178% | 4,501 |
| Equity capital to assets | 16.0191% | 608 |
| Core capital (leverage) ratio | 15.8675% | 522 |
| Tier 1 risk-based capital ratio | 39.8200% | 248 |
| Total risk-based capital ratio | 41.0788% | 243 |
| Memoranda: | ||
| Average total assets | $169,626,330 | 3,545 |
| Average earning assets | $160,635,330 | 3,431 |
| Average equity | $26,730,330 | 2,403 |
| Average total loans | $50,879,000 | 5,317 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8654% | 3,745 |
| Cost of funding earning assets | 1.5804% | 875 |
| Net interest margin | 3.2850% | 5,830 |
| Noninterest income to average assets | 0.3157% | 5,407 |
| Noninterest expense to average assets | 1.3572% | 7,431 |
| Loan and lease loss provision to assets | 0.4712% | 1,865 |
| Net operating income to assets | 1.1952% | 1,535 |
| Return on assets (ROA) | 1.1899% | 1,594 |
| Pretax return on assets | 1.5951% | 1,203 |
| Return on Equity (ROE) | 7.6136% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.6136% | 1,880 |
| Net charge-offs to loans | 1.2089% | 1,152 |
| Credit loss provision to net charge-offs | 129.0323% | 2,142 |
| Earnings coverage of net charge-offs (x) | 5.6774% | 2,231 |
| Efficiency ratio | 39.5604% | 7,398 |
| Assets per employee ($millions) | 6.7995% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6843% | 1,222 |
| Loan loss allowance to noncurrent loans | 111.8421% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3107% | 4,346 |
| Noncurrent loans to loans | 2.4001% | 3,088 |
| Net loans and leases to total assets | 29.0052% | 7,262 |
| Net loans and leases to deposits | 34.5578% | 7,260 |
| Net loans and leases to core deposits | 36.1487% | 7,260 |
| Total domestic deposits to total assets | 83.9323% | 4,514 |
| Equity capital to assets | 15.7600% | 613 |
| Core capital (leverage) ratio | 15.7283% | 549 |
| Tier 1 risk-based capital ratio | 39.3505% | 249 |
| Total risk-based capital ratio | 40.6097% | 245 |
| Memoranda: | ||
| Average total assets | $169,765,500 | 3,561 |
| Average earning assets | $160,974,500 | 3,441 |
| Average equity | $26,531,500 | 2,408 |
| Average total loans | $51,286,500 | 5,353 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4236% | 2,565 |
| Cost of funding earning assets | 2.0812% | 453 |
| Net interest margin | 3.3424% | 5,825 |
| Noninterest income to average assets | 0.3562% | 5,264 |
| Noninterest expense to average assets | 1.4201% | 7,473 |
| Loan and lease loss provision to assets | 0.4055% | 3,681 |
| Net operating income to assets | 1.2690% | 1,252 |
| Return on assets (ROA) | 1.1894% | 1,518 |
| Pretax return on assets | 1.5366% | 1,282 |
| Return on Equity (ROE) | 7.6997% | 2,816 |
| Retained earnings to average equity (ytd only) | 5.2848% | 2,259 |
| Net charge-offs to loans | 0.8626% | 2,473 |
| Credit loss provision to net charge-offs | 145.7883% | 2,526 |
| Earnings coverage of net charge-offs (x) | 7.3542% | 2,150 |
| Efficiency ratio | 40.9776% | 7,489 |
| Assets per employee ($millions) | 6.7818% | 827 |
| Cash dividends to net income (ytd only)* | 31.3636% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5333% | 1,373 |
| Loan loss allowance to noncurrent loans | 181.3793% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 1.0646% | 4,878 |
| Noncurrent loans to loans | 1.3967% | 4,388 |
| Net loans and leases to total assets | 29.8406% | 7,361 |
| Net loans and leases to deposits | 35.4817% | 7,358 |
| Net loans and leases to core deposits | 37.7357% | 7,358 |
| Total domestic deposits to total assets | 84.1015% | 4,311 |
| Equity capital to assets | 15.4963% | 679 |
| Core capital (leverage) ratio | 15.4481% | 594 |
| Tier 1 risk-based capital ratio | 39.2237% | 250 |
| Total risk-based capital ratio | 40.4821% | 247 |
| Memoranda: | ||
| Average total assets | $166,469,400 | 3,599 |
| Average earning assets | $154,859,800 | 3,549 |
| Average equity | $25,715,400 | 2,481 |
| Average total loans | $53,672,200 | 5,333 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5869% | 2,114 |
| Cost of funding earning assets | 2.1795% | 404 |
| Net interest margin | 3.4073% | 5,647 |
| Noninterest income to average assets | 0.3629% | 5,254 |
| Noninterest expense to average assets | 1.2963% | 7,636 |
| Loan and lease loss provision to assets | 0.3903% | 3,553 |
| Net operating income to assets | 1.3286% | 1,290 |
| Return on assets (ROA) | 1.2400% | 1,569 |
| Pretax return on assets | 1.7107% | 1,093 |
| Return on Equity (ROE) | 8.0334% | 2,884 |
| Retained earnings to average equity (ytd only) | 6.1827% | 2,271 |
| Net charge-offs to loans | 0.8747% | 2,259 |
| Credit loss provision to net charge-offs | 136.6197% | 2,925 |
| Earnings coverage of net charge-offs (x) | 7.7859% | 2,266 |
| Efficiency ratio | 36.8229% | 7,628 |
| Assets per employee ($millions) | 6.7186% | 877 |
| Cash dividends to net income (ytd only)* | 23.0369% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3388% | 1,566 |
| Loan loss allowance to noncurrent loans | 137.9195% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 1.0615% | 4,995 |
| Noncurrent loans to loans | 1.6958% | 4,092 |
| Net loans and leases to total assets | 30.6536% | 7,447 |
| Net loans and leases to deposits | 36.4414% | 7,461 |
| Net loans and leases to core deposits | 38.9475% | 7,444 |
| Total domestic deposits to total assets | 84.1174% | 4,049 |
| Equity capital to assets | 15.6450% | 740 |
| Core capital (leverage) ratio | 15.5152% | 633 |
| Tier 1 risk-based capital ratio | 38.9093% | 271 |
| Total risk-based capital ratio | 40.1673% | 260 |
| Memoranda: | ||
| Average total assets | $165,700,750 | 3,656 |
| Average earning assets | $153,547,000 | 3,631 |
| Average equity | $25,576,000 | 2,533 |
| Average total loans | $54,113,250 | 5,384 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7302% | 1,654 |
| Cost of funding earning assets | 2.2515% | 397 |
| Net interest margin | 3.4787% | 5,328 |
| Noninterest income to average assets | 0.3444% | 5,391 |
| Noninterest expense to average assets | 1.2489% | 7,722 |
| Loan and lease loss provision to assets | 0.2486% | 4,438 |
| Net operating income to assets | 1.4690% | 958 |
| Return on assets (ROA) | 1.3544% | 1,254 |
| Pretax return on assets | 1.9243% | 705 |
| Return on Equity (ROE) | 8.8154% | 2,543 |
| Retained earnings to average equity (ytd only) | 6.0137% | 2,321 |
| Net charge-offs to loans | 0.2932% | 3,859 |
| Credit loss provision to net charge-offs | 256.2500% | 1,488 |
| Earnings coverage of net charge-offs (x) | 24.0875% | 1,089 |
| Efficiency ratio | 34.8326% | 7,710 |
| Assets per employee ($millions) | 6.6832% | 885 |
| Cash dividends to net income (ytd only)* | 31.7816% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2623% | 1,649 |
| Loan loss allowance to noncurrent loans | 180.3231% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 5,577 |
| Noncurrent loans to loans | 1.2546% | 4,869 |
| Net loans and leases to total assets | 31.7538% | 7,490 |
| Net loans and leases to deposits | 37.7356% | 7,499 |
| Net loans and leases to core deposits | 40.1748% | 7,488 |
| Total domestic deposits to total assets | 84.1482% | 4,040 |
| Equity capital to assets | 15.3981% | 798 |
| Core capital (leverage) ratio | 15.3363% | 664 |
| Tier 1 risk-based capital ratio | 37.0727% | 301 |
| Total risk-based capital ratio | 38.3288% | 291 |
| Memoranda: | ||
| Average total assets | $164,946,330 | 3,691 |
| Average earning assets | $153,677,000 | 3,643 |
| Average equity | $25,342,000 | 2,555 |
| Average total loans | $54,577,670 | 5,393 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6773% | 1,863 |
| Cost of funding earning assets | 2.2833% | 453 |
| Net interest margin | 3.3940% | 5,604 |
| Noninterest income to average assets | 0.3490% | 5,348 |
| Noninterest expense to average assets | 1.1521% | 7,846 |
| Loan and lease loss provision to assets | 0.1709% | 4,822 |
| Net operating income to assets | 1.6762% | 646 |
| Return on assets (ROA) | 1.6158% | 774 |
| Pretax return on assets | 2.1528% | 457 |
| Return on Equity (ROE) | 10.5290% | 1,933 |
| Retained earnings to average equity (ytd only) | 10.5290% | 1,032 |
| Net charge-offs to loans | 0.1973% | 3,726 |
| Credit loss provision to net charge-offs | 259.2593% | 1,502 |
| Earnings coverage of net charge-offs (x) | 36.4815% | 751 |
| Efficiency ratio | 32.3953% | 7,829 |
| Assets per employee ($millions) | 6.6560% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1176% | 1,916 |
| Loan loss allowance to noncurrent loans | 264.0553% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5355% | 6,166 |
| Noncurrent loans to loans | 0.8019% | 5,710 |
| Net loans and leases to total assets | 31.8347% | 7,573 |
| Net loans and leases to deposits | 37.7591% | 7,587 |
| Net loans and leases to core deposits | 40.2106% | 7,571 |
| Total domestic deposits to total assets | 84.3101% | 3,992 |
| Equity capital to assets | 15.3377% | 801 |
| Core capital (leverage) ratio | 15.5599% | 647 |
| Tier 1 risk-based capital ratio | 37.0304% | 309 |
| Total risk-based capital ratio | 38.2856% | 301 |
| Memoranda: | ||
| Average total assets | $163,880,000 | 3,770 |
| Average earning assets | $154,862,000 | 3,674 |
| Average equity | $25,149,500 | 2,599 |
| Average total loans | $54,725,500 | 5,462 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8988% | 2,241 |
| Cost of funding earning assets | 2.8652% | 349 |
| Net interest margin | 3.0336% | 6,554 |
| Noninterest income to average assets | 0.4574% | 4,742 |
| Noninterest expense to average assets | 1.3034% | 7,873 |
| Loan and lease loss provision to assets | 0.2863% | 5,137 |
| Net operating income to assets | 1.3172% | 1,004 |
| Return on assets (ROA) | 1.1978% | 1,302 |
| Pretax return on assets | 1.5763% | 1,015 |
| Return on Equity (ROE) | 7.6557% | 2,514 |
| Retained earnings to average equity (ytd only) | 1.5246% | 4,004 |
| Net charge-offs to loans | 0.3751% | 4,335 |
| Credit loss provision to net charge-offs | 219.5122% | 1,718 |
| Earnings coverage of net charge-offs (x) | 15.4878% | 1,309 |
| Efficiency ratio | 39.2228% | 7,874 |
| Assets per employee ($millions) | 6.4544% | 1,007 |
| Cash dividends to net income (ytd only)* | 80.0850% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9934% | 2,045 |
| Loan loss allowance to noncurrent loans | 220.1597% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 5,948 |
| Noncurrent loans to loans | 0.9054% | 5,497 |
| Net loans and leases to total assets | 33.6075% | 7,607 |
| Net loans and leases to deposits | 39.9433% | 7,628 |
| Net loans and leases to core deposits | 53.8210% | 7,473 |
| Total domestic deposits to total assets | 84.1380% | 3,967 |
| Equity capital to assets | 15.3551% | 832 |
| Core capital (leverage) ratio | 15.3798% | 711 |
| Tier 1 risk-based capital ratio | 35.8880% | 324 |
| Total risk-based capital ratio | 37.1427% | 321 |
| Memoranda: | ||
| Average total assets | $157,203,200 | 3,828 |
| Average earning assets | $148,504,000 | 3,742 |
| Average equity | $24,596,200 | 2,652 |
| Average total loans | $54,648,400 | 5,477 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9079% | 2,415 |
| Cost of funding earning assets | 2.9743% | 358 |
| Net interest margin | 2.9336% | 6,769 |
| Noninterest income to average assets | 0.4004% | 5,280 |
| Noninterest expense to average assets | 1.1714% | 8,000 |
| Loan and lease loss provision to assets | 0.1366% | 5,990 |
| Net operating income to assets | 1.4695% | 877 |
| Return on assets (ROA) | 1.3285% | 1,227 |
| Pretax return on assets | 1.6828% | 1,004 |
| Return on Equity (ROE) | 8.4502% | 2,470 |
| Retained earnings to average equity (ytd only) | 1.7053% | 4,359 |
| Net charge-offs to loans | 0.3793% | 3,754 |
| Credit loss provision to net charge-offs | 103.2258% | 4,933 |
| Earnings coverage of net charge-offs (x) | 15.0969% | 1,551 |
| Efficiency ratio | 36.9612% | 7,963 |
| Assets per employee ($millions) | 6.3820% | 1,044 |
| Cash dividends to net income (ytd only)* | 79.8203% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 3,160 |
| Loan loss allowance to noncurrent loans | 1,487.9310% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 6,605 |
| Noncurrent loans to loans | 0.1048% | 7,214 |
| Net loans and leases to total assets | 34.1458% | 7,685 |
| Net loans and leases to deposits | 40.5593% | 7,712 |
| Net loans and leases to core deposits | 55.1964% | 7,569 |
| Total domestic deposits to total assets | 84.1875% | 3,637 |
| Equity capital to assets | 15.5229% | 882 |
| Core capital (leverage) ratio | 15.6470% | 735 |
| Tier 1 risk-based capital ratio | 35.9567% | 357 |
| Total risk-based capital ratio | 37.2067% | 351 |
| Memoranda: | ||
| Average total assets | $156,164,000 | 3,873 |
| Average earning assets | $147,391,250 | 3,771 |
| Average equity | $24,551,000 | 2,684 |
| Average total loans | $54,477,500 | 5,539 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9182% | 2,504 |
| Cost of funding earning assets | 3.0616% | 398 |
| Net interest margin | 2.8565% | 6,893 |
| Noninterest income to average assets | 0.3741% | 5,516 |
| Noninterest expense to average assets | 1.2229% | 8,080 |
| Loan and lease loss provision to assets | 0.1032% | 6,136 |
| Net operating income to assets | 1.4156% | 989 |
| Return on assets (ROA) | 1.2307% | 1,479 |
| Pretax return on assets | 1.5145% | 1,400 |
| Return on Equity (ROE) | 7.7944% | 2,855 |
| Retained earnings to average equity (ytd only) | -2.3530% | 5,826 |
| Net charge-offs to loans | 0.3100% | 3,640 |
| Credit loss provision to net charge-offs | 95.2381% | 4,763 |
| Earnings coverage of net charge-offs (x) | 17.0357% | 1,501 |
| Efficiency ratio | 39.8487% | 8,021 |
| Assets per employee ($millions) | 6.0417% | 1,191 |
| Cash dividends to net income (ytd only)* | 130.1887% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 2,841 |
| Loan loss allowance to noncurrent loans | 312.0438% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 6,163 |
| Noncurrent loans to loans | 0.5049% | 6,265 |
| Net loans and leases to total assets | 34.0030% | 7,771 |
| Net loans and leases to deposits | 40.4172% | 7,802 |
| Net loans and leases to core deposits | 54.8692% | 7,637 |
| Total domestic deposits to total assets | 84.1300% | 3,692 |
| Equity capital to assets | 15.3467% | 960 |
| Core capital (leverage) ratio | 15.4636% | 829 |
| Tier 1 risk-based capital ratio | 35.4882% | 403 |
| Total risk-based capital ratio | 36.7380% | 401 |
| Memoranda: | ||
| Average total assets | $155,035,000 | 3,922 |
| Average earning assets | $146,261,330 | 3,812 |
| Average equity | $24,479,000 | 2,695 |
| Average total loans | $54,189,000 | 5,593 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9227% | 2,684 |
| Cost of funding earning assets | 3.1162% | 439 |
| Net interest margin | 2.8065% | 6,982 |
| Noninterest income to average assets | 0.3688% | 5,475 |
| Noninterest expense to average assets | 1.0467% | 8,159 |
| Loan and lease loss provision to assets | 0.1039% | 5,640 |
| Net operating income to assets | 1.5578% | 844 |
| Return on assets (ROA) | 1.3272% | 1,423 |
| Pretax return on assets | 1.5999% | 1,406 |
| Return on Equity (ROE) | 8.2870% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.2870% | 1,713 |
| Net charge-offs to loans | 0.3767% | 2,588 |
| Credit loss provision to net charge-offs | 78.4314% | 4,216 |
| Earnings coverage of net charge-offs (x) | 14.9608% | 1,636 |
| Efficiency ratio | 34.5626% | 8,118 |
| Assets per employee ($millions) | 5.9907% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 2,551 |
| Loan loss allowance to noncurrent loans | 1,325.0000% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 6,366 |
| Noncurrent loans to loans | 0.1202% | 7,178 |
| Net loans and leases to total assets | 33.6353% | 7,818 |
| Net loans and leases to deposits | 40.2239% | 7,835 |
| Net loans and leases to core deposits | 53.9719% | 7,681 |
| Total domestic deposits to total assets | 83.6202% | 3,869 |
| Equity capital to assets | 15.9862% | 875 |
| Core capital (leverage) ratio | 16.2007% | 755 |
| Tier 1 risk-based capital ratio | 37.1766% | 376 |
| Total risk-based capital ratio | 38.4262% | 371 |
| Memoranda: | ||
| Average total assets | $154,011,000 | 3,941 |
| Average earning assets | $145,946,000 | 3,830 |
| Average equity | $24,665,000 | 2,688 |
| Average total loans | $54,149,500 | 5,627 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1823% | 4,602 |
| Cost of funding earning assets | 3.4624% | 581 |
| Net interest margin | 2.7199% | 7,461 |
| Noninterest income to average assets | 0.4120% | 5,375 |
| Noninterest expense to average assets | 1.2802% | 8,127 |
| Loan and lease loss provision to assets | 0.2147% | 4,745 |
| Net operating income to assets | 1.2278% | 1,691 |
| Return on assets (ROA) | 1.2278% | 1,633 |
| Pretax return on assets | 1.5298% | 1,595 |
| Return on Equity (ROE) | 7.6354% | 3,221 |
| Retained earnings to average equity (ytd only) | 4.1181% | 2,566 |
| Net charge-offs to loans | 0.5928% | 2,053 |
| Credit loss provision to net charge-offs | 100.3135% | 5,282 |
| Earnings coverage of net charge-offs (x) | 8.1505% | 2,929 |
| Efficiency ratio | 42.3248% | 8,065 |
| Assets per employee ($millions) | 5.8563% | 1,225 |
| Cash dividends to net income (ytd only)* | 46.0656% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 2,399 |
| Loan loss allowance to noncurrent loans | 660.7692% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 7,018 |
| Noncurrent loans to loans | 0.2361% | 6,676 |
| Net loans and leases to total assets | 35.5976% | 7,846 |
| Net loans and leases to deposits | 42.7521% | 7,882 |
| Net loans and leases to core deposits | 61.3464% | 7,529 |
| Total domestic deposits to total assets | 83.2651% | 3,667 |
| Equity capital to assets | 16.0446% | 923 |
| Core capital (leverage) ratio | 16.0133% | 820 |
| Tier 1 risk-based capital ratio | 35.8826% | 423 |
| Total risk-based capital ratio | 37.1328% | 416 |
| Memoranda: | ||
| Average total assets | $149,043,400 | 3,915 |
| Average earning assets | $143,166,400 | 3,782 |
| Average equity | $23,967,400 | 2,735 |
| Average total loans | $53,812,400 | 5,534 |