Home > The Citizens National Bank of Paris > Performance and Condition Ratios
The Citizens National Bank of Paris, Performance and Condition Ratios
| 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 | 3.7248% | 6,397 |
| Cost of funding earning assets | 1.0987% | 1,412 |
| Net interest margin | 2.6261% | 6,859 |
| Noninterest income to average assets | 0.3504% | 5,057 |
| Noninterest expense to average assets | 2.3697% | 5,569 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2936% | 5,681 |
| Return on assets (ROA) | 0.2936% | 5,845 |
| Pretax return on assets | 0.3713% | 5,807 |
| Return on Equity (ROE) | 3.3488% | 5,573 |
| Retained earnings to average equity (ytd only) | 3.3488% | 4,559 |
| Net charge-offs to loans | -0.0038% | 5,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4547% | 1,433 |
| Assets per employee ($millions) | 4.5665% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4919% | 58 |
| Loan loss allowance to noncurrent loans | 92.2992% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 4.9868% | 1,046 |
| Noncurrent loans to loans | 7.0335% | 633 |
| Net loans and leases to total assets | 44.8037% | 5,915 |
| Net loans and leases to deposits | 53.0257% | 5,900 |
| Net loans and leases to core deposits | 55.5880% | 5,940 |
| Total domestic deposits to total assets | 84.4944% | 4,276 |
| Equity capital to assets | 8.7180% | 5,850 |
| Core capital (leverage) ratio | 7.8339% | 6,388 |
| Tier 1 risk-based capital ratio | 13.6559% | 4,713 |
| Total risk-based capital ratio | 14.9576% | 4,658 |
| Memoranda: | ||
| Average total assets | $211,168,500 | 2,977 |
| Average earning assets | $192,223,000 | 2,995 |
| Average equity | $18,514,000 | 3,424 |
| Average total loans | $106,482,500 | 3,442 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 6,351 |
| Cost of funding earning assets | 1.2503% | 1,734 |
| Net interest margin | 2.8059% | 6,815 |
| Noninterest income to average assets | -0.6397% | 7,283 |
| Noninterest expense to average assets | 2.8599% | 4,127 |
| Loan and lease loss provision to assets | 1.4997% | 492 |
| Net operating income to assets | -1.6304% | 6,942 |
| Return on assets (ROA) | -1.5631% | 6,942 |
| Pretax return on assets | -2.3762% | 7,100 |
| Return on Equity (ROE) | -15.8359% | 6,904 |
| Retained earnings to average equity (ytd only) | -16.5496% | 6,906 |
| Net charge-offs to loans | 0.0747% | 5,571 |
| Credit loss provision to net charge-offs | 3,801.1905% | 64 |
| Earnings coverage of net charge-offs (x) | -24.7976% | 6,413 |
| Efficiency ratio | 139.3410% | 181 |
| Assets per employee ($millions) | 3.8465% | 4,212 |
| Cash dividends to net income (ytd only)* | -4.5072% | 7,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0611% | 88 |
| Loan loss allowance to noncurrent loans | 92.1071% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 5.1595% | 1,021 |
| Noncurrent loans to loans | 6.5805% | 703 |
| Net loans and leases to total assets | 49.8065% | 5,609 |
| Net loans and leases to deposits | 60.9446% | 5,374 |
| Net loans and leases to core deposits | 64.1890% | 5,444 |
| Total domestic deposits to total assets | 81.7242% | 5,223 |
| Equity capital to assets | 8.8185% | 5,774 |
| Core capital (leverage) ratio | 7.7218% | 6,520 |
| Tier 1 risk-based capital ratio | 13.0081% | 5,065 |
| Total risk-based capital ratio | 14.3072% | 4,996 |
| Memoranda: | ||
| Average total assets | $212,907,000 | 2,911 |
| Average earning assets | $191,312,600 | 2,952 |
| Average equity | $21,015,600 | 3,009 |
| Average total loans | $112,492,800 | 3,321 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0022% | 6,584 |
| Cost of funding earning assets | 1.2602% | 1,935 |
| Net interest margin | 2.7420% | 6,954 |
| Noninterest income to average assets | 0.5011% | 3,863 |
| Noninterest expense to average assets | 2.6342% | 4,958 |
| Loan and lease loss provision to assets | 0.0467% | 5,856 |
| Net operating income to assets | 0.2222% | 5,641 |
| Return on assets (ROA) | 0.3318% | 5,452 |
| Pretax return on assets | 0.4139% | 5,422 |
| Return on Equity (ROE) | 3.2764% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.2764% | 4,384 |
| Net charge-offs to loans | -0.0684% | 7,110 |
| Credit loss provision to net charge-offs | -129.3103% | 6,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0572% | 1,242 |
| Assets per employee ($millions) | 4.1249% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3850% | 616 |
| Loan loss allowance to noncurrent loans | 53.3689% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 5.9185% | 911 |
| Noncurrent loans to loans | 6.3427% | 847 |
| Net loans and leases to total assets | 48.2923% | 5,922 |
| Net loans and leases to deposits | 60.8881% | 5,529 |
| Net loans and leases to core deposits | 64.8770% | 5,536 |
| Total domestic deposits to total assets | 79.3131% | 5,914 |
| Equity capital to assets | 10.3357% | 3,914 |
| Core capital (leverage) ratio | 9.2458% | 4,550 |
| Tier 1 risk-based capital ratio | 15.3296% | 3,474 |
| Total risk-based capital ratio | 16.5985% | 3,430 |
| Memoranda: | ||
| Average total assets | $214,205,750 | 2,910 |
| Average earning assets | $191,923,750 | 2,958 |
| Average equity | $21,690,250 | 2,916 |
| Average total loans | $113,083,750 | 3,345 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0115% | 6,643 |
| Cost of funding earning assets | 1.2964% | 1,959 |
| Net interest margin | 2.7151% | 7,012 |
| Noninterest income to average assets | 0.5096% | 3,781 |
| Noninterest expense to average assets | 2.7123% | 4,767 |
| Loan and lease loss provision to assets | 0.0235% | 5,999 |
| Net operating income to assets | 0.1716% | 5,828 |
| Return on assets (ROA) | 0.2755% | 5,588 |
| Pretax return on assets | 0.3168% | 5,630 |
| Return on Equity (ROE) | 2.7398% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.7398% | 4,541 |
| Net charge-offs to loans | 0.0017% | 5,862 |
| Credit loss provision to net charge-offs | 2,500.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 153 |
| Efficiency ratio | 92.4679% | 1,066 |
| Assets per employee ($millions) | 4.0221% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2183% | 749 |
| Loan loss allowance to noncurrent loans | 53.3591% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 5.8519% | 966 |
| Noncurrent loans to loans | 6.0315% | 985 |
| Net loans and leases to total assets | 49.7060% | 5,860 |
| Net loans and leases to deposits | 62.5481% | 5,439 |
| Net loans and leases to core deposits | 66.4320% | 5,455 |
| Total domestic deposits to total assets | 79.4685% | 5,959 |
| Equity capital to assets | 10.1780% | 3,907 |
| Core capital (leverage) ratio | 9.2115% | 4,384 |
| Tier 1 risk-based capital ratio | 14.7278% | 3,660 |
| Total risk-based capital ratio | 15.9959% | 3,617 |
| Memoranda: | ||
| Average total assets | $212,734,000 | 2,940 |
| Average earning assets | $189,903,670 | 2,998 |
| Average equity | $21,388,330 | 2,952 |
| Average total loans | $114,353,000 | 3,350 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9681% | 6,746 |
| Cost of funding earning assets | 1.3461% | 1,912 |
| Net interest margin | 2.6220% | 7,106 |
| Noninterest income to average assets | 0.5321% | 3,632 |
| Noninterest expense to average assets | 2.7648% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1520% | 5,938 |
| Return on assets (ROA) | 0.1520% | 5,995 |
| Pretax return on assets | 0.1102% | 6,147 |
| Return on Equity (ROE) | 1.5217% | 5,975 |
| Retained earnings to average equity (ytd only) | 1.5217% | 5,202 |
| Net charge-offs to loans | -0.0069% | 6,288 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1666% | 912 |
| Assets per employee ($millions) | 3.9272% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1521% | 802 |
| Loan loss allowance to noncurrent loans | 52.9141% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 6.4701% | 863 |
| Noncurrent loans to loans | 5.9570% | 1,064 |
| Net loans and leases to total assets | 50.7540% | 5,743 |
| Net loans and leases to deposits | 63.9245% | 5,264 |
| Net loans and leases to core deposits | 67.8467% | 5,307 |
| Total domestic deposits to total assets | 79.3967% | 6,086 |
| Equity capital to assets | 9.7641% | 4,082 |
| Core capital (leverage) ratio | 9.0567% | 4,515 |
| Tier 1 risk-based capital ratio | 14.3121% | 3,861 |
| Total risk-based capital ratio | 15.5795% | 3,808 |
| Memoranda: | ||
| Average total assets | $210,504,500 | 2,982 |
| Average earning assets | $188,101,000 | 3,039 |
| Average equity | $21,029,500 | 2,980 |
| Average total loans | $115,755,500 | 3,347 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7409% | 5,652 |
| Cost of funding earning assets | 1.6582% | 1,787 |
| Net interest margin | 3.0827% | 6,563 |
| Noninterest income to average assets | 1.3273% | 833 |
| Noninterest expense to average assets | 2.9170% | 4,155 |
| Loan and lease loss provision to assets | 1.5549% | 944 |
| Net operating income to assets | -0.3901% | 6,302 |
| Return on assets (ROA) | 0.2514% | 5,257 |
| Pretax return on assets | 0.2454% | 5,368 |
| Return on Equity (ROE) | 2.5988% | 5,133 |
| Retained earnings to average equity (ytd only) | 1.4154% | 4,824 |
| Net charge-offs to loans | 3.5693% | 394 |
| Credit loss provision to net charge-offs | 70.3397% | 5,857 |
| Earnings coverage of net charge-offs (x) | 0.5242% | 5,593 |
| Efficiency ratio | 71.5682% | 3,875 |
| Assets per employee ($millions) | 3.8682% | 4,088 |
| Cash dividends to net income (ytd only)* | 45.5373% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0139% | 859 |
| Loan loss allowance to noncurrent loans | 53.0181% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 6.8288% | 815 |
| Noncurrent loans to loans | 5.6847% | 1,134 |
| Net loans and leases to total assets | 55.9723% | 5,351 |
| Net loans and leases to deposits | 70.1425% | 4,801 |
| Net loans and leases to core deposits | 73.3364% | 5,060 |
| Total domestic deposits to total assets | 79.7980% | 5,889 |
| Equity capital to assets | 10.2281% | 3,465 |
| Core capital (leverage) ratio | 9.3135% | 3,989 |
| Tier 1 risk-based capital ratio | 14.0548% | 3,833 |
| Total risk-based capital ratio | 15.3134% | 3,797 |
| Memoranda: | ||
| Average total assets | $218,406,200 | 2,890 |
| Average earning assets | $194,729,800 | 2,942 |
| Average equity | $21,124,800 | 2,989 |
| Average total loans | $135,263,600 | 3,029 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 4,435 |
| Cost of funding earning assets | 1.7301% | 1,722 |
| Net interest margin | 3.3482% | 5,853 |
| Noninterest income to average assets | 1.2981% | 818 |
| Noninterest expense to average assets | 2.8295% | 4,353 |
| Loan and lease loss provision to assets | 1.5759% | 828 |
| Net operating income to assets | -0.1063% | 6,191 |
| Return on assets (ROA) | 0.3277% | 5,224 |
| Pretax return on assets | 0.3674% | 5,320 |
| Return on Equity (ROE) | 3.4335% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.4335% | 4,037 |
| Net charge-offs to loans | 3.4197% | 411 |
| Credit loss provision to net charge-offs | 73.2532% | 5,333 |
| Earnings coverage of net charge-offs (x) | 0.6766% | 5,368 |
| Efficiency ratio | 66.0306% | 4,849 |
| Assets per employee ($millions) | 3.9044% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2414% | 674 |
| Loan loss allowance to noncurrent loans | 43.7148% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 7.1313% | 749 |
| Noncurrent loans to loans | 7.4148% | 729 |
| Net loans and leases to total assets | 58.2935% | 5,213 |
| Net loans and leases to deposits | 74.2797% | 4,459 |
| Net loans and leases to core deposits | 78.2597% | 4,774 |
| Total domestic deposits to total assets | 78.4784% | 6,150 |
| Equity capital to assets | 10.6707% | 3,324 |
| Core capital (leverage) ratio | 10.5700% | 2,620 |
| Tier 1 risk-based capital ratio | 14.6485% | 3,427 |
| Total risk-based capital ratio | 15.9140% | 3,393 |
| Memoranda: | ||
| Average total assets | $221,754,250 | 2,886 |
| Average earning assets | $197,831,000 | 2,951 |
| Average equity | $21,163,750 | 3,026 |
| Average total loans | $139,500,250 | 2,989 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2137% | 3,881 |
| Cost of funding earning assets | 1.8552% | 1,406 |
| Net interest margin | 3.3586% | 5,807 |
| Noninterest income to average assets | 1.7839% | 422 |
| Noninterest expense to average assets | 2.8982% | 4,081 |
| Loan and lease loss provision to assets | 2.3124% | 503 |
| Net operating income to assets | -0.4031% | 6,572 |
| Return on assets (ROA) | 0.2920% | 5,363 |
| Pretax return on assets | 0.2982% | 5,503 |
| Return on Equity (ROE) | 3.1738% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.1738% | 4,091 |
| Net charge-offs to loans | 4.1372% | 306 |
| Credit loss provision to net charge-offs | 87.7175% | 4,490 |
| Earnings coverage of net charge-offs (x) | 0.7212% | 5,027 |
| Efficiency ratio | 60.3860% | 5,981 |
| Assets per employee ($millions) | 3.4615% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4829% | 550 |
| Loan loss allowance to noncurrent loans | 30.6101% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 7.9797% | 617 |
| Noncurrent loans to loans | 11.3782% | 337 |
| Net loans and leases to total assets | 66.2055% | 3,788 |
| Net loans and leases to deposits | 85.0931% | 2,684 |
| Net loans and leases to core deposits | 88.7830% | 3,442 |
| Total domestic deposits to total assets | 77.8036% | 6,310 |
| Equity capital to assets | 11.2024% | 2,688 |
| Core capital (leverage) ratio | 8.3726% | 5,624 |
| Tier 1 risk-based capital ratio | 14.4728% | 3,461 |
| Total risk-based capital ratio | 15.7476% | 3,413 |
| Memoranda: | ||
| Average total assets | $226,695,000 | 2,848 |
| Average earning assets | $203,539,330 | 2,893 |
| Average equity | $20,858,000 | 3,055 |
| Average total loans | $144,444,000 | 2,933 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7434% | 6,101 |
| Cost of funding earning assets | 1.7779% | 1,978 |
| Net interest margin | 2.9656% | 6,905 |
| Noninterest income to average assets | 0.1037% | 7,188 |
| Noninterest expense to average assets | 2.6867% | 4,970 |
| Loan and lease loss provision to assets | 0.9246% | 1,372 |
| Net operating income to assets | -0.3564% | 6,719 |
| Return on assets (ROA) | -0.3406% | 6,752 |
| Pretax return on assets | -0.8128% | 6,955 |
| Return on Equity (ROE) | -4.0530% | 6,823 |
| Retained earnings to average equity (ytd only) | -4.0530% | 6,501 |
| Net charge-offs to loans | 2.6954% | 598 |
| Credit loss provision to net charge-offs | 55.5336% | 4,394 |
| Earnings coverage of net charge-offs (x) | 0.0524% | 4,992 |
| Efficiency ratio | 96.8565% | 979 |
| Assets per employee ($millions) | 4.0360% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0698% | 773 |
| Loan loss allowance to noncurrent loans | 29.5728% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 6.3320% | 916 |
| Noncurrent loans to loans | 10.3803% | 397 |
| Net loans and leases to total assets | 58.3311% | 5,378 |
| Net loans and leases to deposits | 71.9690% | 5,055 |
| Net loans and leases to core deposits | 74.4649% | 5,446 |
| Total domestic deposits to total assets | 81.0502% | 5,443 |
| Equity capital to assets | 8.4531% | 6,067 |
| Core capital (leverage) ratio | 8.0938% | 6,087 |
| Tier 1 risk-based capital ratio | 11.8749% | 5,321 |
| Total risk-based capital ratio | 13.1303% | 5,267 |
| Memoranda: | ||
| Average total assets | $243,121,500 | 2,732 |
| Average earning assets | $218,912,500 | 2,751 |
| Average equity | $20,429,500 | 3,142 |
| Average total loans | $150,183,500 | 2,893 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 5,589 |
| Cost of funding earning assets | 2.2296% | 1,899 |
| Net interest margin | 2.9836% | 6,688 |
| Noninterest income to average assets | 1.2257% | 1,013 |
| Noninterest expense to average assets | 3.0809% | 3,830 |
| Loan and lease loss provision to assets | 3.1496% | 532 |
| Net operating income to assets | -1.3150% | 6,772 |
| Return on assets (ROA) | -1.2380% | 6,733 |
| Pretax return on assets | -2.1852% | 7,010 |
| Return on Equity (ROE) | -14.3222% | 6,895 |
| Retained earnings to average equity (ytd only) | -14.3222% | 6,838 |
| Net charge-offs to loans | 3.1064% | 661 |
| Credit loss provision to net charge-offs | 157.0351% | 2,873 |
| Earnings coverage of net charge-offs (x) | 0.4209% | 5,680 |
| Efficiency ratio | 78.4933% | 3,119 |
| Assets per employee ($millions) | 4.0686% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2836% | 613 |
| Loan loss allowance to noncurrent loans | 29.6476% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 7.0331% | 715 |
| Noncurrent loans to loans | 11.0753% | 341 |
| Net loans and leases to total assets | 61.3264% | 5,136 |
| Net loans and leases to deposits | 77.0185% | 4,560 |
| Net loans and leases to core deposits | 89.4831% | 5,182 |
| Total domestic deposits to total assets | 79.6255% | 5,805 |
| Equity capital to assets | 8.3516% | 6,123 |
| Core capital (leverage) ratio | 7.7903% | 6,463 |
| Tier 1 risk-based capital ratio | 11.0754% | 5,848 |
| Total risk-based capital ratio | 12.3433% | 5,788 |
| Memoranda: | ||
| Average total assets | $244,504,000 | 2,667 |
| Average earning assets | $221,205,600 | 2,689 |
| Average equity | $21,135,000 | 3,052 |
| Average total loans | $157,866,600 | 2,803 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3807% | 5,037 |
| Cost of funding earning assets | 2.3035% | 1,975 |
| Net interest margin | 3.0773% | 6,373 |
| Noninterest income to average assets | 1.5009% | 656 |
| Noninterest expense to average assets | 2.9813% | 4,121 |
| Loan and lease loss provision to assets | 2.1029% | 838 |
| Net operating income to assets | -0.3572% | 6,271 |
| Return on assets (ROA) | -0.2133% | 6,098 |
| Pretax return on assets | -0.5694% | 6,367 |
| Return on Equity (ROE) | -2.4478% | 6,157 |
| Retained earnings to average equity (ytd only) | -2.4478% | 5,811 |
| Net charge-offs to loans | 1.1100% | 1,801 |
| Credit loss provision to net charge-offs | 292.1569% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1.8182% | 4,438 |
| Efficiency ratio | 69.4926% | 4,697 |
| Assets per employee ($millions) | 3.8894% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0567% | 643 |
| Loan loss allowance to noncurrent loans | 23.3297% | 6,883 |
| Noncurrent assets plus other real estate owned to assets | 8.2500% | 508 |
| Noncurrent loans to loans | 13.1021% | 219 |
| Net loans and leases to total assets | 60.5071% | 5,502 |
| Net loans and leases to deposits | 76.2870% | 4,987 |
| Net loans and leases to core deposits | 87.7510% | 5,663 |
| Total domestic deposits to total assets | 79.3151% | 5,689 |
| Equity capital to assets | 9.0856% | 5,363 |
| Core capital (leverage) ratio | 8.6510% | 5,220 |
| Tier 1 risk-based capital ratio | 12.3056% | 4,703 |
| Total risk-based capital ratio | 13.5727% | 4,631 |
| Memoranda: | ||
| Average total assets | $245,617,500 | 2,666 |
| Average earning assets | $222,615,750 | 2,699 |
| Average equity | $21,406,750 | 3,040 |
| Average total loans | $159,280,250 | 2,802 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4253% | 5,011 |
| Cost of funding earning assets | 2.3657% | 2,096 |
| Net interest margin | 3.0596% | 6,366 |
| Noninterest income to average assets | 0.7157% | 2,895 |
| Noninterest expense to average assets | 3.0558% | 3,861 |
| Loan and lease loss provision to assets | 2.9389% | 519 |
| Net operating income to assets | -1.4210% | 7,208 |
| Return on assets (ROA) | -1.3545% | 7,191 |
| Pretax return on assets | -2.3908% | 7,391 |
| Return on Equity (ROE) | -15.7687% | 7,366 |
| Retained earnings to average equity (ytd only) | -15.7687% | 7,280 |
| Net charge-offs to loans | 0.7211% | 2,254 |
| Credit loss provision to net charge-offs | 620.5527% | 748 |
| Earnings coverage of net charge-offs (x) | 0.9378% | 4,827 |
| Efficiency ratio | 87.3101% | 2,096 |
| Assets per employee ($millions) | 3.4572% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2090% | 481 |
| Loan loss allowance to noncurrent loans | 26.1089% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 8.3940% | 432 |
| Noncurrent loans to loans | 12.2907% | 212 |
| Net loans and leases to total assets | 64.9973% | 4,763 |
| Net loans and leases to deposits | 81.2217% | 4,356 |
| Net loans and leases to core deposits | 93.3946% | 5,186 |
| Total domestic deposits to total assets | 80.0245% | 5,469 |
| Equity capital to assets | 8.6134% | 5,876 |
| Core capital (leverage) ratio | 8.0450% | 6,247 |
| Tier 1 risk-based capital ratio | 11.4586% | 5,435 |
| Total risk-based capital ratio | 12.7218% | 5,333 |
| Memoranda: | ||
| Average total assets | $244,516,330 | 2,707 |
| Average earning assets | $222,512,000 | 2,718 |
| Average equity | $21,003,670 | 3,101 |
| Average total loans | $160,585,670 | 2,816 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7787% | 3,407 |
| Cost of funding earning assets | 2.4142% | 2,233 |
| Net interest margin | 3.3645% | 5,270 |
| Noninterest income to average assets | 0.6673% | 3,094 |
| Noninterest expense to average assets | 2.6610% | 5,178 |
| Loan and lease loss provision to assets | 1.8310% | 672 |
| Net operating income to assets | -0.3469% | 6,736 |
| Return on assets (ROA) | -0.2864% | 6,741 |
| Pretax return on assets | -0.6705% | 6,952 |
| Return on Equity (ROE) | -3.3392% | 6,815 |
| Retained earnings to average equity (ytd only) | -3.3392% | 6,335 |
| Net charge-offs to loans | 0.3984% | 2,501 |
| Credit loss provision to net charge-offs | 707.5472% | 839 |
| Earnings coverage of net charge-offs (x) | 4.1195% | 2,972 |
| Efficiency ratio | 71.3974% | 4,292 |
| Assets per employee ($millions) | 3.6739% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0010% | 1,414 |
| Loan loss allowance to noncurrent loans | 137.8755% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 1.0258% | 4,648 |
| Noncurrent loans to loans | 1.4513% | 4,123 |
| Net loans and leases to total assets | 63.0117% | 5,160 |
| Net loans and leases to deposits | 79.7056% | 4,661 |
| Net loans and leases to core deposits | 93.1438% | 5,239 |
| Total domestic deposits to total assets | 79.0555% | 5,702 |
| Equity capital to assets | 8.5484% | 5,998 |
| Core capital (leverage) ratio | 8.2312% | 6,035 |
| Tier 1 risk-based capital ratio | 11.3603% | 5,542 |
| Total risk-based capital ratio | 12.6168% | 5,440 |
| Memoranda: | ||
| Average total assets | $245,771,000 | 2,698 |
| Average earning assets | $223,509,000 | 2,726 |
| Average equity | $21,083,000 | 3,109 |
| Average total loans | $159,622,000 | 2,853 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3377% | 3,742 |
| Cost of funding earning assets | 2.8333% | 2,566 |
| Net interest margin | 3.5044% | 5,280 |
| Noninterest income to average assets | 0.7474% | 2,800 |
| Noninterest expense to average assets | 2.5151% | 5,947 |
| Loan and lease loss provision to assets | 0.2963% | 4,014 |
| Net operating income to assets | 0.8304% | 3,305 |
| Return on assets (ROA) | 0.8317% | 3,141 |
| Pretax return on assets | 1.1550% | 2,820 |
| Return on Equity (ROE) | 9.3407% | 2,502 |
| Retained earnings to average equity (ytd only) | 5.4201% | 1,801 |
| Net charge-offs to loans | 0.1057% | 5,241 |
| Credit loss provision to net charge-offs | 411.5152% | 1,061 |
| Earnings coverage of net charge-offs (x) | 20.1333% | 1,591 |
| Efficiency ratio | 63.4383% | 5,683 |
| Assets per employee ($millions) | 4.1592% | 3,192 |
| Cash dividends to net income (ytd only)* | 41.9727% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 3,376 |
| Loan loss allowance to noncurrent loans | 200.8212% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 5,811 |
| Noncurrent loans to loans | 0.6809% | 5,335 |
| Net loans and leases to total assets | 64.7016% | 5,128 |
| Net loans and leases to deposits | 81.3773% | 4,813 |
| Net loans and leases to core deposits | 96.1590% | 5,244 |
| Total domestic deposits to total assets | 79.5082% | 5,201 |
| Equity capital to assets | 8.6083% | 5,925 |
| Core capital (leverage) ratio | 8.4352% | 5,687 |
| Tier 1 risk-based capital ratio | 11.2295% | 5,509 |
| Total risk-based capital ratio | 12.4524% | 5,419 |
| Memoranda: | ||
| Average total assets | $229,180,200 | 2,773 |
| Average earning assets | $210,393,400 | 2,769 |
| Average equity | $20,405,400 | 3,165 |
| Average total loans | $156,165,600 | 2,832 |