Home > The Citizens National Bank of Chillicothe > Performance and Condition Ratios
The Citizens National Bank of Chillicothe, 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 | 4.7096% | 2,555 |
| Cost of funding earning assets | 0.5359% | 4,947 |
| Net interest margin | 4.1737% | 1,732 |
| Noninterest income to average assets | 0.4600% | 4,174 |
| Noninterest expense to average assets | 3.1513% | 2,763 |
| Loan and lease loss provision to assets | 0.1782% | 3,400 |
| Net operating income to assets | 0.6427% | 4,024 |
| Return on assets (ROA) | 0.6474% | 4,261 |
| Pretax return on assets | 0.9048% | 3,899 |
| Return on Equity (ROE) | 6.4024% | 3,960 |
| Retained earnings to average equity (ytd only) | 1.4097% | 5,170 |
| Net charge-offs to loans | 0.0924% | 4,750 |
| Credit loss provision to net charge-offs | 281.2500% | 859 |
| Earnings coverage of net charge-offs (x) | 16.9896% | 1,536 |
| Efficiency ratio | 74.1805% | 3,043 |
| Assets per employee ($millions) | 3.3711% | 5,280 |
| Cash dividends to net income (ytd only)* | 77.9817% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 5,071 |
| Loan loss allowance to noncurrent loans | 105.3987% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 4,150 |
| Noncurrent loans to loans | 1.1482% | 3,929 |
| Net loans and leases to total assets | 68.2861% | 2,136 |
| Net loans and leases to deposits | 76.4502% | 2,725 |
| Net loans and leases to core deposits | 76.7976% | 3,429 |
| Total domestic deposits to total assets | 89.3210% | 1,356 |
| Equity capital to assets | 10.1714% | 3,930 |
| Core capital (leverage) ratio | 9.2129% | 4,559 |
| Tier 1 risk-based capital ratio | 14.2469% | 4,206 |
| Total risk-based capital ratio | 15.4998% | 4,164 |
| Memoranda: | ||
| Average total assets | $151,524,000 | 3,746 |
| Average earning assets | $136,785,800 | 3,779 |
| Average equity | $15,322,400 | 3,890 |
| Average total loans | $103,902,400 | 3,433 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7349% | 2,640 |
| Cost of funding earning assets | 0.5591% | 5,003 |
| Net interest margin | 4.1758% | 1,805 |
| Noninterest income to average assets | 0.4595% | 4,216 |
| Noninterest expense to average assets | 3.1977% | 2,576 |
| Loan and lease loss provision to assets | 0.2376% | 2,672 |
| Net operating income to assets | 0.5737% | 4,502 |
| Return on assets (ROA) | 0.5800% | 4,752 |
| Pretax return on assets | 0.8001% | 4,483 |
| Return on Equity (ROE) | 5.7444% | 4,464 |
| Retained earnings to average equity (ytd only) | 2.6935% | 4,944 |
| Net charge-offs to loans | 0.0656% | 4,763 |
| Credit loss provision to net charge-offs | 529.4118% | 510 |
| Earnings coverage of net charge-offs (x) | 22.9210% | 1,336 |
| Efficiency ratio | 75.3020% | 2,778 |
| Assets per employee ($millions) | 3.2352% | 5,575 |
| Cash dividends to net income (ytd only)* | 53.1116% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 4,912 |
| Loan loss allowance to noncurrent loans | 106.0680% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 4,550 |
| Noncurrent loans to loans | 1.2039% | 4,043 |
| Net loans and leases to total assets | 66.6590% | 2,530 |
| Net loans and leases to deposits | 74.7204% | 3,182 |
| Net loans and leases to core deposits | 75.0591% | 3,844 |
| Total domestic deposits to total assets | 89.2112% | 1,304 |
| Equity capital to assets | 10.2416% | 4,148 |
| Core capital (leverage) ratio | 9.2945% | 4,594 |
| Tier 1 risk-based capital ratio | 14.5668% | 4,142 |
| Total risk-based capital ratio | 15.8221% | 4,102 |
| Memoranda: | ||
| Average total assets | $151,480,000 | 3,792 |
| Average earning assets | $136,656,250 | 3,817 |
| Average equity | $15,295,500 | 3,937 |
| Average total loans | $103,663,250 | 3,470 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8141% | 2,448 |
| Cost of funding earning assets | 0.5753% | 5,115 |
| Net interest margin | 4.2387% | 1,639 |
| Noninterest income to average assets | 0.4587% | 4,220 |
| Noninterest expense to average assets | 3.2018% | 2,585 |
| Loan and lease loss provision to assets | 0.2380% | 2,691 |
| Net operating income to assets | 0.6055% | 4,350 |
| Return on assets (ROA) | 0.6055% | 4,600 |
| Pretax return on assets | 0.8368% | 4,323 |
| Return on Equity (ROE) | 6.0251% | 4,315 |
| Retained earnings to average equity (ytd only) | 1.4208% | 5,482 |
| Net charge-offs to loans | 0.0923% | 4,233 |
| Credit loss provision to net charge-offs | 375.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 16.9375% | 1,556 |
| Efficiency ratio | 74.4977% | 2,993 |
| Assets per employee ($millions) | 3.3939% | 5,225 |
| Cash dividends to net income (ytd only)* | 76.4192% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 5,356 |
| Loan loss allowance to noncurrent loans | 178.6647% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 5,492 |
| Noncurrent loans to loans | 0.6708% | 5,162 |
| Net loans and leases to total assets | 66.4440% | 2,581 |
| Net loans and leases to deposits | 74.4926% | 3,211 |
| Net loans and leases to core deposits | 74.8282% | 3,915 |
| Total domestic deposits to total assets | 89.1955% | 1,391 |
| Equity capital to assets | 10.0580% | 4,245 |
| Core capital (leverage) ratio | 9.1405% | 4,703 |
| Tier 1 risk-based capital ratio | 14.2727% | 4,254 |
| Total risk-based capital ratio | 15.5264% | 4,214 |
| Memoranda: | ||
| Average total assets | $151,288,000 | 3,816 |
| Average earning assets | $136,267,670 | 3,842 |
| Average equity | $15,203,000 | 3,944 |
| Average total loans | $103,994,330 | 3,472 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9381% | 2,097 |
| Cost of funding earning assets | 0.6018% | 5,109 |
| Net interest margin | 4.3364% | 1,362 |
| Noninterest income to average assets | 0.4383% | 4,390 |
| Noninterest expense to average assets | 3.3207% | 2,227 |
| Loan and lease loss provision to assets | 0.2391% | 2,556 |
| Net operating income to assets | 0.5685% | 4,498 |
| Return on assets (ROA) | 0.5685% | 4,726 |
| Pretax return on assets | 0.7837% | 4,479 |
| Return on Equity (ROE) | 5.6599% | 4,474 |
| Retained earnings to average equity (ytd only) | 5.6599% | 3,164 |
| Net charge-offs to loans | 0.1988% | 2,930 |
| Credit loss provision to net charge-offs | 173.0769% | 1,473 |
| Earnings coverage of net charge-offs (x) | 7.4038% | 2,082 |
| Efficiency ratio | 76.0856% | 2,777 |
| Assets per employee ($millions) | 3.2440% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 5,902 |
| Loan loss allowance to noncurrent loans | 115.0657% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7057% | 5,136 |
| Noncurrent loans to loans | 0.9572% | 4,760 |
| Net loans and leases to total assets | 67.0173% | 2,284 |
| Net loans and leases to deposits | 75.0794% | 2,959 |
| Net loans and leases to core deposits | 75.4174% | 3,698 |
| Total domestic deposits to total assets | 89.2620% | 1,508 |
| Equity capital to assets | 9.9765% | 4,149 |
| Core capital (leverage) ratio | 9.3252% | 4,323 |
| Tier 1 risk-based capital ratio | 14.1607% | 4,351 |
| Total risk-based capital ratio | 15.3661% | 4,354 |
| Memoranda: | ||
| Average total assets | $150,570,000 | 3,861 |
| Average earning assets | $135,597,500 | 3,891 |
| Average equity | $15,124,000 | 3,965 |
| Average total loans | $104,638,000 | 3,488 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2351% | 1,932 |
| Cost of funding earning assets | 0.7653% | 5,094 |
| Net interest margin | 4.4698% | 1,211 |
| Noninterest income to average assets | 0.5482% | 3,521 |
| Noninterest expense to average assets | 3.3176% | 2,466 |
| Loan and lease loss provision to assets | 0.3084% | 3,205 |
| Net operating income to assets | 0.6606% | 3,694 |
| Return on assets (ROA) | 0.6606% | 3,873 |
| Pretax return on assets | 0.9087% | 3,582 |
| Return on Equity (ROE) | 6.4548% | 3,668 |
| Retained earnings to average equity (ytd only) | 2.3703% | 4,537 |
| Net charge-offs to loans | 0.3840% | 3,490 |
| Credit loss provision to net charge-offs | 113.6364% | 2,887 |
| Earnings coverage of net charge-offs (x) | 4.4848% | 3,095 |
| Efficiency ratio | 72.8125% | 3,425 |
| Assets per employee ($millions) | 3.1632% | 5,786 |
| Cash dividends to net income (ytd only)* | 63.2780% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 6,055 |
| Loan loss allowance to noncurrent loans | 85.6808% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.4535% | 3,803 |
| Noncurrent loans to loans | 1.2061% | 4,361 |
| Net loans and leases to total assets | 70.5331% | 1,921 |
| Net loans and leases to deposits | 79.2747% | 2,646 |
| Net loans and leases to core deposits | 79.6414% | 3,495 |
| Total domestic deposits to total assets | 88.9730% | 1,553 |
| Equity capital to assets | 10.1142% | 4,019 |
| Core capital (leverage) ratio | 9.2507% | 4,388 |
| Tier 1 risk-based capital ratio | 13.5062% | 4,691 |
| Total risk-based capital ratio | 14.6376% | 4,752 |
| Memoranda: | ||
| Average total assets | $145,919,000 | 3,878 |
| Average earning assets | $130,140,200 | 3,930 |
| Average equity | $14,934,600 | 3,923 |
| Average total loans | $103,114,400 | 3,543 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2871% | 1,914 |
| Cost of funding earning assets | 0.7905% | 5,212 |
| Net interest margin | 4.4966% | 1,158 |
| Noninterest income to average assets | 0.5490% | 3,518 |
| Noninterest expense to average assets | 3.3087% | 2,471 |
| Loan and lease loss provision to assets | 0.3443% | 2,815 |
| Net operating income to assets | 0.6573% | 3,838 |
| Return on assets (ROA) | 0.6573% | 4,005 |
| Pretax return on assets | 0.9015% | 3,762 |
| Return on Equity (ROE) | 6.4031% | 3,820 |
| Retained earnings to average equity (ytd only) | 3.9439% | 3,913 |
| Net charge-offs to loans | 0.4401% | 2,967 |
| Credit loss provision to net charge-offs | 110.9467% | 2,964 |
| Earnings coverage of net charge-offs (x) | 4.0148% | 3,213 |
| Efficiency ratio | 72.3040% | 3,490 |
| Assets per employee ($millions) | 3.1010% | 5,896 |
| Cash dividends to net income (ytd only)* | 38.4082% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 6,112 |
| Loan loss allowance to noncurrent loans | 132.2621% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.1609% | 4,464 |
| Noncurrent loans to loans | 0.7808% | 5,315 |
| Net loans and leases to total assets | 70.3606% | 2,003 |
| Net loans and leases to deposits | 79.1930% | 2,777 |
| Net loans and leases to core deposits | 79.7857% | 3,671 |
| Total domestic deposits to total assets | 88.8470% | 1,519 |
| Equity capital to assets | 10.4223% | 3,796 |
| Core capital (leverage) ratio | 9.5076% | 4,134 |
| Tier 1 risk-based capital ratio | 13.8883% | 4,426 |
| Total risk-based capital ratio | 15.0267% | 4,479 |
| Memoranda: | ||
| Average total assets | $145,230,750 | 3,904 |
| Average earning assets | $129,368,500 | 3,968 |
| Average equity | $14,909,000 | 3,934 |
| Average total loans | $102,403,500 | 3,588 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3011% | 1,886 |
| Cost of funding earning assets | 0.8058% | 5,327 |
| Net interest margin | 4.4953% | 1,142 |
| Noninterest income to average assets | 0.5239% | 3,670 |
| Noninterest expense to average assets | 3.3504% | 2,401 |
| Loan and lease loss provision to assets | 0.4136% | 2,361 |
| Net operating income to assets | 0.5653% | 4,237 |
| Return on assets (ROA) | 0.5653% | 4,361 |
| Pretax return on assets | 0.7597% | 4,178 |
| Return on Equity (ROE) | 5.5348% | 4,193 |
| Retained earnings to average equity (ytd only) | 1.8224% | 5,081 |
| Net charge-offs to loans | 0.6667% | 2,167 |
| Credit loss provision to net charge-offs | 88.2353% | 3,508 |
| Earnings coverage of net charge-offs (x) | 2.5029% | 3,572 |
| Efficiency ratio | 73.6970% | 3,417 |
| Assets per employee ($millions) | 3.1523% | 5,749 |
| Cash dividends to net income (ytd only)* | 67.0732% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 6,437 |
| Loan loss allowance to noncurrent loans | 64.2031% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.7937% | 3,517 |
| Noncurrent loans to loans | 1.5161% | 4,151 |
| Net loans and leases to total assets | 70.0877% | 2,202 |
| Net loans and leases to deposits | 78.8713% | 2,984 |
| Net loans and leases to core deposits | 79.4639% | 3,864 |
| Total domestic deposits to total assets | 88.8633% | 1,625 |
| Equity capital to assets | 10.2361% | 3,834 |
| Core capital (leverage) ratio | 9.2613% | 4,314 |
| Tier 1 risk-based capital ratio | 13.9827% | 4,184 |
| Total risk-based capital ratio | 15.0754% | 4,261 |
| Memoranda: | ||
| Average total assets | $145,059,330 | 3,934 |
| Average earning assets | $129,068,000 | 4,011 |
| Average equity | $14,815,330 | 3,941 |
| Average total loans | $101,999,000 | 3,632 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2745% | 1,958 |
| Cost of funding earning assets | 0.8243% | 5,437 |
| Net interest margin | 4.4501% | 1,174 |
| Noninterest income to average assets | 0.4659% | 4,144 |
| Noninterest expense to average assets | 3.4242% | 2,213 |
| Loan and lease loss provision to assets | 0.4963% | 1,763 |
| Net operating income to assets | 0.4080% | 4,912 |
| Return on assets (ROA) | 0.4080% | 5,000 |
| Pretax return on assets | 0.5045% | 5,015 |
| Return on Equity (ROE) | 3.9996% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.9996% | 3,775 |
| Net charge-offs to loans | 1.2431% | 1,119 |
| Credit loss provision to net charge-offs | 56.9620% | 3,602 |
| Earnings coverage of net charge-offs (x) | 1.1487% | 3,799 |
| Efficiency ratio | 77.0093% | 2,984 |
| Assets per employee ($millions) | 3.1811% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 6,734 |
| Loan loss allowance to noncurrent loans | 49.9445% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 1.9552% | 3,369 |
| Noncurrent loans to loans | 1.7742% | 3,860 |
| Net loans and leases to total assets | 68.7940% | 2,376 |
| Net loans and leases to deposits | 77.0946% | 3,234 |
| Net loans and leases to core deposits | 77.8530% | 4,040 |
| Total domestic deposits to total assets | 89.2333% | 1,631 |
| Equity capital to assets | 10.0922% | 3,655 |
| Core capital (leverage) ratio | 9.3351% | 4,074 |
| Tier 1 risk-based capital ratio | 13.8432% | 4,183 |
| Total risk-based capital ratio | 14.8235% | 4,341 |
| Memoranda: | ||
| Average total assets | $145,085,500 | 3,975 |
| Average earning assets | $129,074,500 | 4,045 |
| Average equity | $14,801,500 | 3,937 |
| Average total loans | $101,683,000 | 3,679 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6750% | 1,663 |
| Cost of funding earning assets | 1.0740% | 5,293 |
| Net interest margin | 4.6009% | 1,013 |
| Noninterest income to average assets | 0.5687% | 3,685 |
| Noninterest expense to average assets | 3.4702% | 2,252 |
| Loan and lease loss provision to assets | 0.3191% | 4,257 |
| Net operating income to assets | 0.6318% | 3,523 |
| Return on assets (ROA) | 0.6339% | 3,667 |
| Pretax return on assets | 0.8495% | 3,471 |
| Return on Equity (ROE) | 6.0371% | 3,587 |
| Retained earnings to average equity (ytd only) | 2.0867% | 4,421 |
| Net charge-offs to loans | 0.1556% | 5,417 |
| Credit loss provision to net charge-offs | 281.2500% | 964 |
| Earnings coverage of net charge-offs (x) | 10.2750% | 1,733 |
| Efficiency ratio | 74.5029% | 3,295 |
| Assets per employee ($millions) | 3.1270% | 5,828 |
| Cash dividends to net income (ytd only)* | 65.4362% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 6,252 |
| Loan loss allowance to noncurrent loans | 49.3623% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 2.5487% | 2,724 |
| Noncurrent loans to loans | 2.0796% | 3,450 |
| Net loans and leases to total assets | 70.0459% | 2,524 |
| Net loans and leases to deposits | 78.5582% | 3,417 |
| Net loans and leases to core deposits | 79.3432% | 4,301 |
| Total domestic deposits to total assets | 89.1643% | 1,554 |
| Equity capital to assets | 10.3135% | 3,375 |
| Core capital (leverage) ratio | 9.2818% | 4,038 |
| Tier 1 risk-based capital ratio | 13.7039% | 4,060 |
| Total risk-based capital ratio | 14.8278% | 4,117 |
| Memoranda: | ||
| Average total assets | $141,030,200 | 4,038 |
| Average earning assets | $124,670,200 | 4,142 |
| Average equity | $14,808,400 | 3,971 |
| Average total loans | $102,807,400 | 3,718 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7179% | 1,652 |
| Cost of funding earning assets | 1.0958% | 5,442 |
| Net interest margin | 4.6221% | 1,002 |
| Noninterest income to average assets | 0.5805% | 3,578 |
| Noninterest expense to average assets | 3.5326% | 1,956 |
| Loan and lease loss provision to assets | 0.3563% | 3,763 |
| Net operating income to assets | 0.5843% | 3,939 |
| Return on assets (ROA) | 0.5872% | 4,097 |
| Pretax return on assets | 0.7753% | 3,991 |
| Return on Equity (ROE) | 5.5668% | 4,018 |
| Retained earnings to average equity (ytd only) | 3.2248% | 4,172 |
| Net charge-offs to loans | 0.1656% | 4,990 |
| Credit loss provision to net charge-offs | 292.9688% | 1,091 |
| Earnings coverage of net charge-offs (x) | 9.2736% | 2,047 |
| Efficiency ratio | 75.4536% | 3,049 |
| Assets per employee ($millions) | 3.1286% | 5,857 |
| Cash dividends to net income (ytd only)* | 42.0714% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 6,477 |
| Loan loss allowance to noncurrent loans | 37.9402% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 2.9761% | 2,442 |
| Noncurrent loans to loans | 2.5843% | 3,043 |
| Net loans and leases to total assets | 71.8752% | 2,279 |
| Net loans and leases to deposits | 80.7454% | 3,314 |
| Net loans and leases to core deposits | 81.5826% | 4,301 |
| Total domestic deposits to total assets | 89.0146% | 1,382 |
| Equity capital to assets | 10.6246% | 3,381 |
| Core capital (leverage) ratio | 9.5925% | 3,777 |
| Tier 1 risk-based capital ratio | 13.4932% | 4,211 |
| Total risk-based capital ratio | 14.5527% | 4,319 |
| Memoranda: | ||
| Average total assets | $140,327,750 | 4,102 |
| Average earning assets | $123,865,000 | 4,202 |
| Average equity | $14,801,750 | 4,030 |
| Average total loans | $103,059,500 | 3,763 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7350% | 1,617 |
| Cost of funding earning assets | 1.1118% | 5,613 |
| Net interest margin | 4.6232% | 946 |
| Noninterest income to average assets | 0.6406% | 3,058 |
| Noninterest expense to average assets | 3.5770% | 1,841 |
| Loan and lease loss provision to assets | 0.4280% | 3,186 |
| Net operating income to assets | 0.5536% | 4,069 |
| Return on assets (ROA) | 0.5536% | 4,213 |
| Pretax return on assets | 0.7177% | 4,172 |
| Return on Equity (ROE) | 5.2611% | 4,147 |
| Retained earnings to average equity (ytd only) | 1.7356% | 5,002 |
| Net charge-offs to loans | 0.1993% | 4,414 |
| Credit loss provision to net charge-offs | 291.2621% | 1,274 |
| Earnings coverage of net charge-offs (x) | 7.7961% | 2,235 |
| Efficiency ratio | 75.4079% | 3,179 |
| Assets per employee ($millions) | 3.0870% | 5,953 |
| Cash dividends to net income (ytd only)* | 67.0103% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 6,737 |
| Loan loss allowance to noncurrent loans | 38.4146% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 2.8225% | 2,560 |
| Noncurrent loans to loans | 2.3591% | 3,306 |
| Net loans and leases to total assets | 74.3854% | 1,834 |
| Net loans and leases to deposits | 83.9500% | 2,879 |
| Net loans and leases to core deposits | 84.8335% | 4,015 |
| Total domestic deposits to total assets | 88.6069% | 1,675 |
| Equity capital to assets | 10.6193% | 3,258 |
| Core capital (leverage) ratio | 9.3810% | 3,990 |
| Tier 1 risk-based capital ratio | 13.0392% | 4,406 |
| Total risk-based capital ratio | 14.0317% | 4,590 |
| Memoranda: | ||
| Average total assets | $140,174,670 | 4,134 |
| Average earning assets | $123,766,330 | 4,236 |
| Average equity | $14,749,670 | 4,040 |
| Average total loans | $103,348,330 | 3,793 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2379% | 592 |
| Cost of funding earning assets | 1.1453% | 5,679 |
| Net interest margin | 5.0926% | 349 |
| Noninterest income to average assets | 0.5398% | 3,729 |
| Noninterest expense to average assets | 3.6363% | 1,651 |
| Loan and lease loss provision to assets | 0.4261% | 2,830 |
| Net operating income to assets | 0.7159% | 3,366 |
| Return on assets (ROA) | 0.7159% | 3,478 |
| Pretax return on assets | 0.9744% | 3,190 |
| Return on Equity (ROE) | 6.8346% | 3,429 |
| Retained earnings to average equity (ytd only) | 6.8346% | 2,201 |
| Net charge-offs to loans | 0.0039% | 5,568 |
| Credit loss provision to net charge-offs | 15,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 493.0000% | 54 |
| Efficiency ratio | 71.8556% | 3,955 |
| Assets per employee ($millions) | 3.1762% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 6,944 |
| Loan loss allowance to noncurrent loans | 31.7421% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 2.9560% | 2,433 |
| Noncurrent loans to loans | 2.7204% | 2,936 |
| Net loans and leases to total assets | 73.1952% | 2,152 |
| Net loans and leases to deposits | 82.2242% | 3,248 |
| Net loans and leases to core deposits | 83.0864% | 4,327 |
| Total domestic deposits to total assets | 89.0190% | 1,505 |
| Equity capital to assets | 10.6489% | 3,091 |
| Core capital (leverage) ratio | 9.4275% | 3,883 |
| Tier 1 risk-based capital ratio | 13.3783% | 4,065 |
| Total risk-based capital ratio | 14.3369% | 4,244 |
| Memoranda: | ||
| Average total assets | $140,803,500 | 4,178 |
| Average earning assets | $124,337,500 | 4,273 |
| Average equity | $14,748,500 | 4,069 |
| Average total loans | $102,883,000 | 3,861 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8899% | 2,282 |
| Cost of funding earning assets | 1.6540% | 4,771 |
| Net interest margin | 4.2358% | 1,954 |
| Noninterest income to average assets | 0.4679% | 4,667 |
| Noninterest expense to average assets | 3.4859% | 2,405 |
| Loan and lease loss provision to assets | 0.3906% | 4,451 |
| Net operating income to assets | 0.3465% | 4,338 |
| Return on assets (ROA) | 0.3465% | 4,431 |
| Pretax return on assets | 0.3754% | 4,564 |
| Return on Equity (ROE) | 3.4814% | 4,296 |
| Retained earnings to average equity (ytd only) | 1.3870% | 4,089 |
| Net charge-offs to loans | 0.4453% | 4,010 |
| Credit loss provision to net charge-offs | 121.9828% | 4,343 |
| Earnings coverage of net charge-offs (x) | 2.3922% | 3,939 |
| Efficiency ratio | 81.6101% | 2,656 |
| Assets per employee ($millions) | 3.1524% | 5,852 |
| Cash dividends to net income (ytd only)* | 60.1594% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7311% | 7,304 |
| Loan loss allowance to noncurrent loans | 23.9464% | 6,857 |
| Noncurrent assets plus other real estate owned to assets | 3.1208% | 2,219 |
| Noncurrent loans to loans | 3.0531% | 2,520 |
| Net loans and leases to total assets | 71.7869% | 2,812 |
| Net loans and leases to deposits | 80.6459% | 3,867 |
| Net loans and leases to core deposits | 87.1076% | 5,421 |
| Total domestic deposits to total assets | 89.0149% | 1,479 |
| Equity capital to assets | 10.3027% | 3,400 |
| Core capital (leverage) ratio | 9.1194% | 4,243 |
| Tier 1 risk-based capital ratio | 13.0500% | 4,110 |
| Total risk-based capital ratio | 13.8622% | 4,375 |
| Memoranda: | ||
| Average total assets | $144,898,000 | 4,029 |
| Average earning assets | $129,442,800 | 4,098 |
| Average equity | $14,419,600 | 4,169 |
| Average total loans | $104,203,400 | 3,830 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8938% | 2,477 |
| Cost of funding earning assets | 1.7616% | 4,579 |
| Net interest margin | 4.1322% | 2,280 |
| Noninterest income to average assets | 0.4558% | 4,863 |
| Noninterest expense to average assets | 3.5150% | 2,242 |
| Loan and lease loss provision to assets | 0.2893% | 4,662 |
| Net operating income to assets | 0.3323% | 4,669 |
| Return on assets (ROA) | 0.3323% | 4,773 |
| Pretax return on assets | 0.3533% | 4,918 |
| Return on Equity (ROE) | 3.3679% | 4,635 |
| Retained earnings to average equity (ytd only) | 1.8370% | 4,291 |
| Net charge-offs to loans | 0.5251% | 3,109 |
| Credit loss provision to net charge-offs | 76.6990% | 5,844 |
| Earnings coverage of net charge-offs (x) | 1.7039% | 4,521 |
| Efficiency ratio | 84.1700% | 2,275 |
| Assets per employee ($millions) | 3.1426% | 5,800 |
| Cash dividends to net income (ytd only)* | 45.4534% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5351% | 7,668 |
| Loan loss allowance to noncurrent loans | 15.2071% | 7,325 |
| Noncurrent assets plus other real estate owned to assets | 3.1842% | 2,129 |
| Noncurrent loans to loans | 3.5187% | 2,131 |
| Net loans and leases to total assets | 71.8992% | 3,062 |
| Net loans and leases to deposits | 80.6589% | 4,261 |
| Net loans and leases to core deposits | 86.8886% | 5,772 |
| Total domestic deposits to total assets | 89.1398% | 1,135 |
| Equity capital to assets | 10.3086% | 3,722 |
| Core capital (leverage) ratio | 9.1491% | 4,417 |
| Tier 1 risk-based capital ratio | 13.4122% | 3,916 |
| Total risk-based capital ratio | 14.0405% | 4,269 |
| Memoranda: | ||
| Average total assets | $145,658,500 | 4,047 |
| Average earning assets | $130,484,000 | 4,095 |
| Average equity | $14,370,750 | 4,216 |
| Average total loans | $104,608,250 | 3,862 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9143% | 2,519 |
| Cost of funding earning assets | 1.8747% | 4,397 |
| Net interest margin | 4.0396% | 2,540 |
| Noninterest income to average assets | 0.4352% | 4,981 |
| Noninterest expense to average assets | 3.6241% | 2,017 |
| Loan and lease loss provision to assets | 0.1088% | 6,068 |
| Net operating income to assets | 0.3087% | 4,856 |
| Return on assets (ROA) | 0.3087% | 4,968 |
| Pretax return on assets | 0.3182% | 5,170 |
| Return on Equity (ROE) | 3.1745% | 4,832 |
| Retained earnings to average equity (ytd only) | 0.8670% | 4,834 |
| Net charge-offs to loans | 0.4023% | 3,186 |
| Credit loss provision to net charge-offs | 37.7358% | 5,933 |
| Earnings coverage of net charge-offs (x) | 1.4811% | 4,423 |
| Efficiency ratio | 89.0903% | 1,897 |
| Assets per employee ($millions) | 2.8820% | 6,441 |
| Cash dividends to net income (ytd only)* | 72.6872% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4982% | 7,790 |
| Loan loss allowance to noncurrent loans | 17.1174% | 7,277 |
| Noncurrent assets plus other real estate owned to assets | 2.8254% | 2,273 |
| Noncurrent loans to loans | 2.9107% | 2,473 |
| Net loans and leases to total assets | 73.3965% | 2,864 |
| Net loans and leases to deposits | 82.3206% | 4,171 |
| Net loans and leases to core deposits | 90.0231% | 5,533 |
| Total domestic deposits to total assets | 89.1593% | 1,194 |
| Equity capital to assets | 10.1531% | 3,764 |
| Core capital (leverage) ratio | 8.6141% | 5,241 |
| Tier 1 risk-based capital ratio | 13.0848% | 4,080 |
| Total risk-based capital ratio | 13.6675% | 4,511 |
| Memoranda: | ||
| Average total assets | $147,072,670 | 4,051 |
| Average earning assets | $131,646,670 | 4,108 |
| Average equity | $14,301,670 | 4,240 |
| Average total loans | $105,403,000 | 3,881 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7531% | 3,512 |
| Cost of funding earning assets | 1.9355% | 4,465 |
| Net interest margin | 3.8176% | 3,377 |
| Noninterest income to average assets | 0.4080% | 5,150 |
| Noninterest expense to average assets | 3.4293% | 2,281 |
| Loan and lease loss provision to assets | 0.0933% | 5,761 |
| Net operating income to assets | 0.3040% | 5,284 |
| Return on assets (ROA) | 0.3040% | 5,456 |
| Pretax return on assets | 0.3147% | 5,642 |
| Return on Equity (ROE) | 3.1925% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.1925% | 4,098 |
| Net charge-offs to loans | 0.0226% | 5,244 |
| Credit loss provision to net charge-offs | 583.3333% | 971 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,204 |
| Efficiency ratio | 88.9507% | 1,811 |
| Assets per employee ($millions) | 3.0375% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6448% | 7,577 |
| Loan loss allowance to noncurrent loans | 16.4966% | 7,334 |
| Noncurrent assets plus other real estate owned to assets | 2.7569% | 2,058 |
| Noncurrent loans to loans | 3.9086% | 1,560 |
| Net loans and leases to total assets | 68.8911% | 3,943 |
| Net loans and leases to deposits | 79.4271% | 4,697 |
| Net loans and leases to core deposits | 86.9804% | 5,835 |
| Total domestic deposits to total assets | 86.7350% | 2,343 |
| Equity capital to assets | 9.4895% | 4,682 |
| Core capital (leverage) ratio | 8.6788% | 5,189 |
| Tier 1 risk-based capital ratio | 12.8508% | 4,292 |
| Total risk-based capital ratio | 13.5836% | 4,593 |
| Memoranda: | ||
| Average total assets | $150,000,000 | 4,012 |
| Average earning assets | $134,745,000 | 4,059 |
| Average equity | $14,283,500 | 4,273 |
| Average total loans | $106,020,500 | 3,883 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5710% | 2,619 |
| Cost of funding earning assets | 2.5231% | 4,081 |
| Net interest margin | 4.0479% | 2,915 |
| Noninterest income to average assets | 0.4485% | 5,048 |
| Noninterest expense to average assets | 3.3897% | 2,711 |
| Loan and lease loss provision to assets | 0.0780% | 6,420 |
| Net operating income to assets | 0.5045% | 4,713 |
| Return on assets (ROA) | 0.5057% | 4,553 |
| Pretax return on assets | 0.5971% | 4,702 |
| Return on Equity (ROE) | 5.4201% | 4,192 |
| Retained earnings to average equity (ytd only) | 3.3299% | 3,073 |
| Net charge-offs to loans | 0.0828% | 5,581 |
| Credit loss provision to net charge-offs | 130.3371% | 4,081 |
| Earnings coverage of net charge-offs (x) | 11.2584% | 2,391 |
| Efficiency ratio | 83.0382% | 2,174 |
| Assets per employee ($millions) | 2.8486% | 6,450 |
| Cash dividends to net income (ytd only)* | 38.5638% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6118% | 7,656 |
| Loan loss allowance to noncurrent loans | 24.8100% | 7,015 |
| Noncurrent assets plus other real estate owned to assets | 1.8248% | 2,702 |
| Noncurrent loans to loans | 2.4659% | 2,216 |
| Net loans and leases to total assets | 71.6156% | 3,670 |
| Net loans and leases to deposits | 82.7634% | 4,614 |
| Net loans and leases to core deposits | 90.8197% | 5,735 |
| Total domestic deposits to total assets | 86.5305% | 2,161 |
| Equity capital to assets | 9.5560% | 4,604 |
| Core capital (leverage) ratio | 8.6148% | 5,350 |
| Tier 1 risk-based capital ratio | 12.7938% | 4,222 |
| Total risk-based capital ratio | 13.5008% | 4,519 |
| Memoranda: | ||
| Average total assets | $148,716,000 | 3,926 |
| Average earning assets | $132,810,200 | 3,992 |
| Average equity | $13,874,200 | 4,370 |
| Average total loans | $107,473,600 | 3,753 |