Home > The Connecticut Bank and Trust Company > Performance and Condition Ratios
The Connecticut Bank and Trust Company, 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 | 4.6148% | 3,442 |
| Cost of funding earning assets | 1.0314% | 1,799 |
| Net interest margin | 3.5835% | 4,335 |
| Noninterest income to average assets | 0.3250% | 5,267 |
| Noninterest expense to average assets | 3.8747% | 1,099 |
| Loan and lease loss provision to assets | 1.9187% | 155 |
| Net operating income to assets | -2.0605% | 7,159 |
| Return on assets (ROA) | -2.0605% | 7,164 |
| Pretax return on assets | -2.0605% | 7,144 |
| Return on Equity (ROE) | -25.3457% | 7,149 |
| Retained earnings to average equity (ytd only) | -25.3457% | 7,106 |
| Net charge-offs to loans | 3.1082% | 229 |
| Credit loss provision to net charge-offs | 78.0431% | 2,765 |
| Earnings coverage of net charge-offs (x) | -0.0577% | 4,394 |
| Efficiency ratio | 103.7975% | 452 |
| Assets per employee ($millions) | 4.1521% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8038% | 2,983 |
| Loan loss allowance to noncurrent loans | 29.1569% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 5.4599% | 907 |
| Noncurrent loans to loans | 6.1864% | 804 |
| Net loans and leases to total assets | 75.7326% | 831 |
| Net loans and leases to deposits | 97.0071% | 480 |
| Net loans and leases to core deposits | 109.1221% | 563 |
| Total domestic deposits to total assets | 78.0691% | 6,252 |
| Equity capital to assets | 7.9262% | 6,570 |
| Core capital (leverage) ratio | 7.5588% | 6,591 |
| Tier 1 risk-based capital ratio | 9.7471% | 6,927 |
| Total risk-based capital ratio | 11.0043% | 6,923 |
| Memoranda: | ||
| Average total assets | $279,352,500 | 2,318 |
| Average earning assets | $265,664,500 | 2,235 |
| Average equity | $22,710,000 | 2,880 |
| Average total loans | $220,961,000 | 1,852 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8424% | 3,612 |
| Cost of funding earning assets | 1.1011% | 2,668 |
| Net interest margin | 3.7413% | 4,114 |
| Noninterest income to average assets | 0.3268% | 5,204 |
| Noninterest expense to average assets | 3.7512% | 1,440 |
| Loan and lease loss provision to assets | 1.0691% | 854 |
| Net operating income to assets | -0.6338% | 6,567 |
| Return on assets (ROA) | -0.5245% | 6,550 |
| Pretax return on assets | -0.7756% | 6,636 |
| Return on Equity (ROE) | -5.9303% | 6,575 |
| Retained earnings to average equity (ytd only) | -7.0336% | 6,574 |
| Net charge-offs to loans | 0.9460% | 1,838 |
| Credit loss provision to net charge-offs | 140.9650% | 2,083 |
| Earnings coverage of net charge-offs (x) | 0.1750% | 5,704 |
| Efficiency ratio | 96.5823% | 794 |
| Assets per employee ($millions) | 4.0073% | 3,834 |
| Cash dividends to net income (ytd only)* | -18.6047% | 7,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 2,661 |
| Loan loss allowance to noncurrent loans | 33.3333% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 5.3227% | 969 |
| Noncurrent loans to loans | 5.6036% | 939 |
| Net loans and leases to total assets | 79.5411% | 543 |
| Net loans and leases to deposits | 101.4172% | 398 |
| Net loans and leases to core deposits | 118.0495% | 394 |
| Total domestic deposits to total assets | 78.4295% | 6,109 |
| Equity capital to assets | 8.3312% | 6,317 |
| Core capital (leverage) ratio | 7.8104% | 6,433 |
| Tier 1 risk-based capital ratio | 9.8864% | 6,880 |
| Total risk-based capital ratio | 11.1444% | 6,872 |
| Memoranda: | ||
| Average total assets | $278,735,400 | 2,277 |
| Average earning assets | $265,012,800 | 2,209 |
| Average equity | $24,653,000 | 2,610 |
| Average total loans | $223,463,800 | 1,849 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8737% | 3,666 |
| Cost of funding earning assets | 1.1054% | 2,942 |
| Net interest margin | 3.7683% | 4,021 |
| Noninterest income to average assets | 0.3244% | 5,275 |
| Noninterest expense to average assets | 3.6182% | 1,670 |
| Loan and lease loss provision to assets | 1.3515% | 547 |
| Net operating income to assets | -0.6510% | 6,726 |
| Return on assets (ROA) | -0.5136% | 6,689 |
| Pretax return on assets | -0.8490% | 6,807 |
| Return on Equity (ROE) | -5.7232% | 6,708 |
| Retained earnings to average equity (ytd only) | -6.8123% | 6,692 |
| Net charge-offs to loans | 0.5657% | 2,546 |
| Credit loss provision to net charge-offs | 298.8347% | 963 |
| Earnings coverage of net charge-offs (x) | 0.6366% | 5,151 |
| Efficiency ratio | 92.6285% | 987 |
| Assets per employee ($millions) | 4.0289% | 3,781 |
| Cash dividends to net income (ytd only)* | -19.0296% | 7,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3751% | 1,576 |
| Loan loss allowance to noncurrent loans | 35.4384% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 5.9296% | 908 |
| Noncurrent loans to loans | 6.7022% | 768 |
| Net loans and leases to total assets | 76.6311% | 887 |
| Net loans and leases to deposits | 97.1125% | 631 |
| Net loans and leases to core deposits | 117.3604% | 457 |
| Total domestic deposits to total assets | 78.9096% | 6,007 |
| Equity capital to assets | 8.3780% | 6,416 |
| Core capital (leverage) ratio | 7.9998% | 6,399 |
| Tier 1 risk-based capital ratio | 10.3572% | 6,836 |
| Total risk-based capital ratio | 11.6215% | 6,816 |
| Memoranda: | ||
| Average total assets | $278,291,000 | 2,289 |
| Average earning assets | $264,515,250 | 2,216 |
| Average equity | $24,973,750 | 2,572 |
| Average total loans | $222,487,250 | 1,870 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8750% | 3,734 |
| Cost of funding earning assets | 1.1073% | 3,187 |
| Net interest margin | 3.7677% | 3,951 |
| Noninterest income to average assets | 0.3140% | 5,386 |
| Noninterest expense to average assets | 3.6514% | 1,622 |
| Loan and lease loss provision to assets | 0.1906% | 4,013 |
| Net operating income to assets | 0.5660% | 4,233 |
| Return on assets (ROA) | 0.6656% | 3,834 |
| Pretax return on assets | 0.1603% | 6,000 |
| Return on Equity (ROE) | 7.2535% | 3,319 |
| Retained earnings to average equity (ytd only) | 6.1835% | 2,308 |
| Net charge-offs to loans | 0.2163% | 3,837 |
| Credit loss provision to net charge-offs | 109.5436% | 2,806 |
| Earnings coverage of net charge-offs (x) | 1.4440% | 4,206 |
| Efficiency ratio | 93.5627% | 1,006 |
| Assets per employee ($millions) | 4.2280% | 3,301 |
| Cash dividends to net income (ytd only)* | 14.7505% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 4,008 |
| Loan loss allowance to noncurrent loans | 24.9049% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 4.8987% | 1,254 |
| Noncurrent loans to loans | 6.1256% | 959 |
| Net loans and leases to total assets | 77.5658% | 832 |
| Net loans and leases to deposits | 98.2600% | 583 |
| Net loans and leases to core deposits | 121.3038% | 387 |
| Total domestic deposits to total assets | 78.9393% | 6,104 |
| Equity capital to assets | 9.1366% | 5,377 |
| Core capital (leverage) ratio | 9.3030% | 4,249 |
| Tier 1 risk-based capital ratio | 11.4455% | 6,208 |
| Total risk-based capital ratio | 12.6969% | 6,200 |
| Memoranda: | ||
| Average total assets | $277,046,670 | 2,311 |
| Average earning assets | $263,876,670 | 2,224 |
| Average equity | $25,422,330 | 2,520 |
| Average total loans | $222,857,670 | 1,888 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9522% | 3,319 |
| Cost of funding earning assets | 1.1261% | 3,319 |
| Net interest margin | 3.8262% | 3,484 |
| Noninterest income to average assets | 0.3037% | 5,496 |
| Noninterest expense to average assets | 3.6900% | 1,554 |
| Loan and lease loss provision to assets | 0.2249% | 3,412 |
| Net operating income to assets | 1.0528% | 1,991 |
| Return on assets (ROA) | 1.1769% | 1,633 |
| Pretax return on assets | 0.1548% | 6,042 |
| Return on Equity (ROE) | 12.7975% | 1,245 |
| Retained earnings to average equity (ytd only) | 11.7178% | 775 |
| Net charge-offs to loans | 0.2730% | 2,978 |
| Credit loss provision to net charge-offs | 101.3158% | 2,605 |
| Earnings coverage of net charge-offs (x) | 1.1513% | 3,797 |
| Efficiency ratio | 93.5233% | 1,065 |
| Assets per employee ($millions) | 3.9657% | 3,902 |
| Cash dividends to net income (ytd only)* | 8.4367% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 4,058 |
| Loan loss allowance to noncurrent loans | 30.7322% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 4.2597% | 1,536 |
| Noncurrent loans to loans | 4.9735% | 1,360 |
| Net loans and leases to total assets | 79.6511% | 546 |
| Net loans and leases to deposits | 102.4996% | 366 |
| Net loans and leases to core deposits | 132.2318% | 245 |
| Total domestic deposits to total assets | 77.7087% | 6,411 |
| Equity capital to assets | 9.3257% | 4,682 |
| Core capital (leverage) ratio | 9.4016% | 3,962 |
| Tier 1 risk-based capital ratio | 11.4935% | 6,111 |
| Total risk-based capital ratio | 12.7460% | 6,089 |
| Memoranda: | ||
| Average total assets | $273,931,500 | 2,357 |
| Average earning assets | $260,731,000 | 2,264 |
| Average equity | $25,192,500 | 2,522 |
| Average total loans | $222,721,500 | 1,912 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2216% | 3,505 |
| Cost of funding earning assets | 1.3122% | 3,801 |
| Net interest margin | 3.9093% | 3,446 |
| Noninterest income to average assets | 0.2573% | 5,962 |
| Noninterest expense to average assets | 3.4154% | 2,397 |
| Loan and lease loss provision to assets | 0.3844% | 3,808 |
| Net operating income to assets | 0.1864% | 5,315 |
| Return on assets (ROA) | 0.2088% | 5,414 |
| Pretax return on assets | 0.2088% | 5,470 |
| Return on Equity (ROE) | 2.2638% | 5,275 |
| Retained earnings to average equity (ytd only) | 1.1602% | 4,967 |
| Net charge-offs to loans | 0.1663% | 5,337 |
| Credit loss provision to net charge-offs | 292.8977% | 921 |
| Earnings coverage of net charge-offs (x) | 4.3494% | 2,957 |
| Efficiency ratio | 85.6795% | 1,727 |
| Assets per employee ($millions) | 4.1550% | 3,468 |
| Cash dividends to net income (ytd only)* | 48.7500% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 3,962 |
| Loan loss allowance to noncurrent loans | 34.0415% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 3.8705% | 1,769 |
| Noncurrent loans to loans | 4.4318% | 1,610 |
| Net loans and leases to total assets | 80.4898% | 597 |
| Net loans and leases to deposits | 103.2433% | 435 |
| Net loans and leases to core deposits | 137.6015% | 244 |
| Total domestic deposits to total assets | 77.9613% | 6,322 |
| Equity capital to assets | 9.0679% | 5,048 |
| Core capital (leverage) ratio | 8.8652% | 4,758 |
| Tier 1 risk-based capital ratio | 11.0254% | 6,302 |
| Total risk-based capital ratio | 12.2791% | 6,274 |
| Memoranda: | ||
| Average total assets | $268,193,800 | 2,377 |
| Average earning assets | $255,822,800 | 2,289 |
| Average equity | $24,736,800 | 2,580 |
| Average total loans | $211,671,400 | 2,051 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2742% | 3,476 |
| Cost of funding earning assets | 1.3344% | 4,017 |
| Net interest margin | 3.9398% | 3,360 |
| Noninterest income to average assets | 0.2420% | 6,158 |
| Noninterest expense to average assets | 3.3977% | 2,304 |
| Loan and lease loss provision to assets | 0.4480% | 3,229 |
| Net operating income to assets | 0.1560% | 5,628 |
| Return on assets (ROA) | 0.1860% | 5,708 |
| Pretax return on assets | 0.1860% | 5,763 |
| Return on Equity (ROE) | 2.0077% | 5,604 |
| Retained earnings to average equity (ytd only) | 0.9067% | 5,442 |
| Net charge-offs to loans | 0.2244% | 4,592 |
| Credit loss provision to net charge-offs | 255.2707% | 1,303 |
| Earnings coverage of net charge-offs (x) | 3.4416% | 3,451 |
| Efficiency ratio | 84.9075% | 1,740 |
| Assets per employee ($millions) | 4.0641% | 3,709 |
| Cash dividends to net income (ytd only)* | 54.8378% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 4,037 |
| Loan loss allowance to noncurrent loans | 73.2131% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.7118% | 3,881 |
| Noncurrent loans to loans | 2.0272% | 3,645 |
| Net loans and leases to total assets | 79.1540% | 863 |
| Net loans and leases to deposits | 101.2092% | 571 |
| Net loans and leases to core deposits | 136.2398% | 297 |
| Total domestic deposits to total assets | 78.2083% | 6,215 |
| Equity capital to assets | 9.1435% | 5,388 |
| Core capital (leverage) ratio | 9.0840% | 4,549 |
| Tier 1 risk-based capital ratio | 11.0234% | 6,357 |
| Total risk-based capital ratio | 12.2760% | 6,334 |
| Memoranda: | ||
| Average total assets | $266,684,500 | 2,426 |
| Average earning assets | $254,491,750 | 2,334 |
| Average equity | $24,704,250 | 2,624 |
| Average total loans | $208,562,000 | 2,113 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 3,633 |
| Cost of funding earning assets | 1.3545% | 4,166 |
| Net interest margin | 3.9084% | 3,405 |
| Noninterest income to average assets | 0.2251% | 6,305 |
| Noninterest expense to average assets | 3.3827% | 2,314 |
| Loan and lease loss provision to assets | 0.2334% | 4,581 |
| Net operating income to assets | 0.3376% | 5,037 |
| Return on assets (ROA) | 0.3829% | 4,999 |
| Pretax return on assets | 0.3829% | 5,275 |
| Return on Equity (ROE) | 4.1153% | 4,728 |
| Retained earnings to average equity (ytd only) | 3.0114% | 4,203 |
| Net charge-offs to loans | 0.0829% | 5,315 |
| Credit loss provision to net charge-offs | 363.5294% | 1,006 |
| Earnings coverage of net charge-offs (x) | 8.8941% | 2,084 |
| Efficiency ratio | 85.5587% | 1,766 |
| Assets per employee ($millions) | 4.1802% | 3,425 |
| Cash dividends to net income (ytd only)* | 26.8245% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 4,445 |
| Loan loss allowance to noncurrent loans | 82.6554% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.4230% | 4,339 |
| Noncurrent loans to loans | 1.6900% | 4,154 |
| Net loans and leases to total assets | 77.2011% | 1,256 |
| Net loans and leases to deposits | 98.8277% | 810 |
| Net loans and leases to core deposits | 124.6211% | 555 |
| Total domestic deposits to total assets | 78.1169% | 6,244 |
| Equity capital to assets | 9.4206% | 4,834 |
| Core capital (leverage) ratio | 9.1070% | 4,450 |
| Tier 1 risk-based capital ratio | 11.5216% | 5,753 |
| Total risk-based capital ratio | 12.7733% | 5,722 |
| Memoranda: | ||
| Average total assets | $264,815,330 | 2,466 |
| Average earning assets | $252,634,670 | 2,368 |
| Average equity | $24,640,000 | 2,629 |
| Average total loans | $205,157,000 | 2,168 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 3,499 |
| Cost of funding earning assets | 1.3693% | 4,364 |
| Net interest margin | 3.9406% | 3,149 |
| Noninterest income to average assets | 0.2262% | 6,342 |
| Noninterest expense to average assets | 3.3751% | 2,303 |
| Loan and lease loss provision to assets | 0.2353% | 4,158 |
| Net operating income to assets | 0.3735% | 4,959 |
| Return on assets (ROA) | 0.3735% | 5,084 |
| Pretax return on assets | 0.3735% | 5,370 |
| Return on Equity (ROE) | 4.0397% | 4,879 |
| Retained earnings to average equity (ytd only) | 2.9230% | 4,377 |
| Net charge-offs to loans | 0.0946% | 4,470 |
| Credit loss provision to net charge-offs | 322.9167% | 1,226 |
| Earnings coverage of net charge-offs (x) | 8.3542% | 1,968 |
| Efficiency ratio | 84.7180% | 1,948 |
| Assets per employee ($millions) | 4.1666% | 3,524 |
| Cash dividends to net income (ytd only)* | 27.6423% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 4,584 |
| Loan loss allowance to noncurrent loans | 156.6648% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7725% | 5,603 |
| Noncurrent loans to loans | 0.8737% | 5,568 |
| Net loans and leases to total assets | 75.9087% | 1,560 |
| Net loans and leases to deposits | 97.4203% | 963 |
| Net loans and leases to core deposits | 124.4025% | 637 |
| Total domestic deposits to total assets | 77.9188% | 6,335 |
| Equity capital to assets | 9.2492% | 4,918 |
| Core capital (leverage) ratio | 9.4438% | 3,865 |
| Tier 1 risk-based capital ratio | 11.3702% | 5,796 |
| Total risk-based capital ratio | 12.6212% | 5,766 |
| Memoranda: | ||
| Average total assets | $263,457,500 | 2,535 |
| Average earning assets | $251,229,000 | 2,439 |
| Average equity | $24,358,500 | 2,684 |
| Average total loans | $203,004,000 | 2,240 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7354% | 2,933 |
| Cost of funding earning assets | 1.8122% | 3,927 |
| Net interest margin | 3.9232% | 3,180 |
| Noninterest income to average assets | 0.2377% | 6,391 |
| Noninterest expense to average assets | 3.5191% | 2,333 |
| Loan and lease loss provision to assets | 0.2848% | 5,149 |
| Net operating income to assets | 0.0673% | 5,300 |
| Return on assets (ROA) | 0.1502% | 5,118 |
| Pretax return on assets | 0.1502% | 5,111 |
| Return on Equity (ROE) | 1.5027% | 5,090 |
| Retained earnings to average equity (ytd only) | 1.2164% | 4,187 |
| Net charge-offs to loans | 0.3474% | 4,492 |
| Credit loss provision to net charge-offs | 103.2012% | 5,350 |
| Earnings coverage of net charge-offs (x) | 1.2759% | 4,851 |
| Efficiency ratio | 90.9051% | 1,640 |
| Assets per employee ($millions) | 4.1310% | 3,558 |
| Cash dividends to net income (ytd only)* | 19.0476% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 4,507 |
| Loan loss allowance to noncurrent loans | 124.3442% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.8350% | 5,434 |
| Noncurrent loans to loans | 1.0823% | 5,159 |
| Net loans and leases to total assets | 76.1095% | 1,766 |
| Net loans and leases to deposits | 98.6582% | 1,036 |
| Net loans and leases to core deposits | 133.1053% | 1,106 |
| Total domestic deposits to total assets | 77.1446% | 6,433 |
| Equity capital to assets | 9.2421% | 4,785 |
| Core capital (leverage) ratio | 9.6472% | 3,521 |
| Tier 1 risk-based capital ratio | 11.5651% | 5,331 |
| Total risk-based capital ratio | 12.8159% | 5,287 |
| Memoranda: | ||
| Average total assets | $237,732,000 | 2,738 |
| Average earning assets | $220,175,000 | 2,707 |
| Average equity | $23,757,800 | 2,758 |
| Average total loans | $188,835,000 | 2,420 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8725% | 2,577 |
| Cost of funding earning assets | 1.9362% | 3,676 |
| Net interest margin | 3.9363% | 3,093 |
| Noninterest income to average assets | 0.2395% | 6,517 |
| Noninterest expense to average assets | 3.5731% | 2,082 |
| Loan and lease loss provision to assets | 0.2413% | 5,031 |
| Net operating income to assets | 0.0396% | 5,629 |
| Return on assets (ROA) | 0.0718% | 5,594 |
| Pretax return on assets | 0.0718% | 5,581 |
| Return on Equity (ROE) | 0.7037% | 5,578 |
| Retained earnings to average equity (ytd only) | 0.7037% | 4,891 |
| Net charge-offs to loans | 0.0918% | 5,767 |
| Credit loss provision to net charge-offs | 328.1250% | 1,255 |
| Earnings coverage of net charge-offs (x) | 3.8203% | 3,375 |
| Efficiency ratio | 92.7113% | 1,483 |
| Assets per employee ($millions) | 3.8430% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 3,195 |
| Loan loss allowance to noncurrent loans | 112.6990% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 1.1072% | 4,862 |
| Noncurrent loans to loans | 1.3749% | 4,616 |
| Net loans and leases to total assets | 79.2805% | 1,328 |
| Net loans and leases to deposits | 104.1501% | 763 |
| Net loans and leases to core deposits | 134.0962% | 1,200 |
| Total domestic deposits to total assets | 76.1213% | 6,562 |
| Equity capital to assets | 10.2198% | 3,826 |
| Core capital (leverage) ratio | 10.4120% | 2,864 |
| Tier 1 risk-based capital ratio | 12.0662% | 4,914 |
| Total risk-based capital ratio | 13.3195% | 4,850 |
| Memoranda: | ||
| Average total assets | $232,101,500 | 2,818 |
| Average earning assets | $213,122,000 | 2,811 |
| Average equity | $23,684,000 | 2,789 |
| Average total loans | $185,848,750 | 2,477 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8374% | 2,863 |
| Cost of funding earning assets | 2.0709% | 3,415 |
| Net interest margin | 3.7664% | 3,694 |
| Noninterest income to average assets | 0.2295% | 6,643 |
| Noninterest expense to average assets | 3.5784% | 2,128 |
| Loan and lease loss provision to assets | 0.2313% | 4,736 |
| Net operating income to assets | -0.1174% | 6,043 |
| Return on assets (ROA) | -0.0687% | 6,016 |
| Pretax return on assets | -0.0687% | 5,959 |
| Return on Equity (ROE) | -0.6734% | 6,025 |
| Retained earnings to average equity (ytd only) | -0.6734% | 5,395 |
| Net charge-offs to loans | 0.0315% | 6,019 |
| Credit loss provision to net charge-offs | 917.2414% | 525 |
| Earnings coverage of net charge-offs (x) | 4.5172% | 3,081 |
| Efficiency ratio | 96.9155% | 1,315 |
| Assets per employee ($millions) | 3.8356% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 2,935 |
| Loan loss allowance to noncurrent loans | 76.4475% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.5796% | 3,848 |
| Noncurrent loans to loans | 2.0325% | 3,471 |
| Net loans and leases to total assets | 76.5098% | 2,055 |
| Net loans and leases to deposits | 100.1034% | 1,280 |
| Net loans and leases to core deposits | 129.7263% | 1,593 |
| Total domestic deposits to total assets | 76.4307% | 6,456 |
| Equity capital to assets | 9.6944% | 4,357 |
| Core capital (leverage) ratio | 10.2518% | 3,041 |
| Tier 1 risk-based capital ratio | 12.0190% | 4,899 |
| Total risk-based capital ratio | 13.2761% | 4,821 |
| Memoranda: | ||
| Average total assets | $230,047,670 | 2,862 |
| Average earning assets | $211,499,000 | 2,847 |
| Average equity | $23,462,000 | 2,817 |
| Average total loans | $183,842,000 | 2,524 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8404% | 3,089 |
| Cost of funding earning assets | 2.1564% | 3,384 |
| Net interest margin | 3.6841% | 3,967 |
| Noninterest income to average assets | 0.2230% | 6,686 |
| Noninterest expense to average assets | 3.5389% | 2,009 |
| Loan and lease loss provision to assets | 0.1552% | 4,946 |
| Net operating income to assets | -0.0214% | 6,293 |
| Return on assets (ROA) | 0.0482% | 6,282 |
| Pretax return on assets | 0.0482% | 6,282 |
| Return on Equity (ROE) | 0.4600% | 6,286 |
| Retained earnings to average equity (ytd only) | 0.4600% | 5,469 |
| Net charge-offs to loans | 0.0638% | 4,571 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 2.5862% | 3,463 |
| Efficiency ratio | 96.3575% | 1,298 |
| Assets per employee ($millions) | 3.7868% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 2,954 |
| Loan loss allowance to noncurrent loans | 173.5741% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 5,384 |
| Noncurrent loans to loans | 0.8673% | 5,283 |
| Net loans and leases to total assets | 80.2144% | 1,340 |
| Net loans and leases to deposits | 109.1703% | 657 |
| Net loans and leases to core deposits | 144.2316% | 921 |
| Total domestic deposits to total assets | 73.4764% | 6,971 |
| Equity capital to assets | 10.4825% | 3,479 |
| Core capital (leverage) ratio | 10.7315% | 2,715 |
| Tier 1 risk-based capital ratio | 12.7061% | 4,388 |
| Total risk-based capital ratio | 13.9591% | 4,304 |
| Memoranda: | ||
| Average total assets | $224,249,000 | 2,943 |
| Average earning assets | $209,984,000 | 2,882 |
| Average equity | $23,480,000 | 2,820 |
| Average total loans | $181,863,000 | 2,570 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2045% | 4,493 |
| Cost of funding earning assets | 2.7657% | 2,855 |
| Net interest margin | 3.4388% | 5,509 |
| Noninterest income to average assets | 0.2496% | 6,664 |
| Noninterest expense to average assets | 3.9172% | 1,534 |
| Loan and lease loss provision to assets | 0.8055% | 1,841 |
| Net operating income to assets | -1.2393% | 7,363 |
| Return on assets (ROA) | -1.2001% | 7,286 |
| Pretax return on assets | -1.2001% | 7,116 |
| Return on Equity (ROE) | -12.2081% | 7,437 |
| Retained earnings to average equity (ytd only) | -12.2081% | 7,259 |
| Net charge-offs to loans | 0.4187% | 2,725 |
| Credit loss provision to net charge-offs | 246.5875% | 1,888 |
| Earnings coverage of net charge-offs (x) | -1.3279% | 6,641 |
| Efficiency ratio | 112.4530% | 664 |
| Assets per employee ($millions) | 3.6303% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 2,804 |
| Loan loss allowance to noncurrent loans | 126.0461% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.9450% | 4,463 |
| Noncurrent loans to loans | 1.1701% | 4,183 |
| Net loans and leases to total assets | 79.5684% | 1,757 |
| Net loans and leases to deposits | 109.9156% | 839 |
| Net loans and leases to core deposits | 138.3893% | 1,353 |
| Total domestic deposits to total assets | 72.3905% | 6,930 |
| Equity capital to assets | 10.4586% | 3,547 |
| Core capital (leverage) ratio | 11.0054% | 2,586 |
| Tier 1 risk-based capital ratio | 12.6632% | 4,311 |
| Total risk-based capital ratio | 13.9155% | 4,230 |
| Memoranda: | ||
| Average total assets | $206,323,000 | 3,050 |
| Average earning assets | $194,020,800 | 2,979 |
| Average equity | $20,281,600 | 3,179 |
| Average total loans | $160,958,800 | 2,761 |