Home > The East Carolina Bank > Performance and Condition Ratios
The East Carolina Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 4,337 |
| Cost of funding earning assets | 0.6496% | 2,662 |
| Net interest margin | 3.2892% | 4,554 |
| Noninterest income to average assets | 0.5650% | 3,345 |
| Noninterest expense to average assets | 4.2088% | 707 |
| Loan and lease loss provision to assets | 0.5700% | 454 |
| Net operating income to assets | -0.8021% | 6,764 |
| Return on assets (ROA) | -0.7109% | 6,753 |
| Pretax return on assets | -1.0838% | 6,821 |
| Return on Equity (ROE) | -7.6389% | 6,755 |
| Retained earnings to average equity (ytd only) | -8.7295% | 6,563 |
| Net charge-offs to loans | 1.1985% | 488 |
| Credit loss provision to net charge-offs | 83.0911% | 2,118 |
| Earnings coverage of net charge-offs (x) | -0.9505% | 3,960 |
| Efficiency ratio | 118.3312% | 227 |
| Assets per employee ($millions) | 3.4919% | 4,996 |
| Cash dividends to net income (ytd only)* | -14.2766% | 6,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0139% | 2,006 |
| Loan loss allowance to noncurrent loans | 73.5767% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 2.3907% | 1,945 |
| Noncurrent loans to loans | 2.7371% | 1,860 |
| Net loans and leases to total assets | 56.2744% | 4,046 |
| Net loans and leases to deposits | 66.5736% | 3,975 |
| Net loans and leases to core deposits | 73.8289% | 3,599 |
| Total domestic deposits to total assets | 84.5295% | 4,254 |
| Equity capital to assets | 9.3364% | 5,087 |
| Core capital (leverage) ratio | 8.5653% | 5,487 |
| Tier 1 risk-based capital ratio | 12.2271% | 5,773 |
| Total risk-based capital ratio | 13.4816% | 5,728 |
| Memoranda: | ||
| Average total assets | $882,807,000 | 757 |
| Average earning assets | $802,991,000 | 761 |
| Average equity | $82,158,500 | 887 |
| Average total loans | $505,317,500 | 839 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 5,087 |
| Cost of funding earning assets | 0.8289% | 2,432 |
| Net interest margin | 3.2350% | 5,474 |
| Noninterest income to average assets | 0.6276% | 3,126 |
| Noninterest expense to average assets | 3.2918% | 2,365 |
| Loan and lease loss provision to assets | 0.3689% | 1,775 |
| Net operating income to assets | -0.0647% | 6,250 |
| Return on assets (ROA) | 0.3246% | 5,596 |
| Pretax return on assets | 0.4763% | 5,350 |
| Return on Equity (ROE) | 3.6208% | 5,301 |
| Retained earnings to average equity (ytd only) | 2.5353% | 4,439 |
| Net charge-offs to loans | 1.0294% | 1,050 |
| Credit loss provision to net charge-offs | 65.1408% | 4,315 |
| Earnings coverage of net charge-offs (x) | 0.4817% | 5,249 |
| Efficiency ratio | 92.3461% | 894 |
| Assets per employee ($millions) | 3.6275% | 4,716 |
| Cash dividends to net income (ytd only)* | 29.9799% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0012% | 2,017 |
| Loan loss allowance to noncurrent loans | 63.4427% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.5126% | 1,941 |
| Noncurrent loans to loans | 3.1544% | 1,633 |
| Net loans and leases to total assets | 55.9141% | 4,303 |
| Net loans and leases to deposits | 66.9201% | 4,143 |
| Net loans and leases to core deposits | 74.1424% | 3,765 |
| Total domestic deposits to total assets | 83.5536% | 4,518 |
| Equity capital to assets | 9.2778% | 5,178 |
| Core capital (leverage) ratio | 8.5824% | 5,488 |
| Tier 1 risk-based capital ratio | 12.3473% | 5,573 |
| Total risk-based capital ratio | 13.6020% | 5,516 |
| Memoranda: | ||
| Average total assets | $921,806,400 | 714 |
| Average earning assets | $836,896,600 | 715 |
| Average equity | $82,634,600 | 851 |
| Average total loans | $507,203,400 | 817 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 5,230 |
| Cost of funding earning assets | 0.8600% | 2,462 |
| Net interest margin | 3.2290% | 5,618 |
| Noninterest income to average assets | 0.6747% | 2,851 |
| Noninterest expense to average assets | 3.2007% | 2,564 |
| Loan and lease loss provision to assets | 0.4001% | 1,600 |
| Net operating income to assets | 0.0039% | 6,273 |
| Return on assets (ROA) | 0.3758% | 5,549 |
| Pretax return on assets | 0.5140% | 5,422 |
| Return on Equity (ROE) | 4.2283% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.1397% | 4,666 |
| Net charge-offs to loans | 0.9202% | 1,178 |
| Credit loss provision to net charge-offs | 79.7421% | 3,627 |
| Earnings coverage of net charge-offs (x) | 0.8063% | 4,928 |
| Efficiency ratio | 88.7781% | 1,128 |
| Assets per employee ($millions) | 3.7253% | 4,486 |
| Cash dividends to net income (ytd only)* | 25.7459% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1923% | 1,719 |
| Loan loss allowance to noncurrent loans | 63.1623% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.7106% | 1,949 |
| Noncurrent loans to loans | 3.4709% | 1,566 |
| Net loans and leases to total assets | 54.7577% | 4,628 |
| Net loans and leases to deposits | 65.1680% | 4,571 |
| Net loans and leases to core deposits | 72.4345% | 4,199 |
| Total domestic deposits to total assets | 84.0254% | 4,207 |
| Equity capital to assets | 9.1459% | 5,654 |
| Core capital (leverage) ratio | 8.2666% | 6,065 |
| Tier 1 risk-based capital ratio | 12.3597% | 5,729 |
| Total risk-based capital ratio | 13.6169% | 5,697 |
| Memoranda: | ||
| Average total assets | $927,352,250 | 718 |
| Average earning assets | $841,638,750 | 716 |
| Average equity | $82,427,000 | 853 |
| Average total loans | $505,682,250 | 825 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 5,489 |
| Cost of funding earning assets | 0.8906% | 2,480 |
| Net interest margin | 3.1582% | 5,848 |
| Noninterest income to average assets | 0.6123% | 3,184 |
| Noninterest expense to average assets | 3.1210% | 2,853 |
| Loan and lease loss provision to assets | 0.1868% | 3,235 |
| Net operating income to assets | 0.1473% | 6,049 |
| Return on assets (ROA) | 0.2081% | 6,075 |
| Pretax return on assets | 0.2381% | 6,082 |
| Return on Equity (ROE) | 2.3645% | 5,930 |
| Retained earnings to average equity (ytd only) | 1.2643% | 5,567 |
| Net charge-offs to loans | 0.8692% | 1,269 |
| Credit loss provision to net charge-offs | 39.7612% | 4,267 |
| Earnings coverage of net charge-offs (x) | 0.7557% | 4,677 |
| Efficiency ratio | 89.7865% | 1,085 |
| Assets per employee ($millions) | 3.7922% | 4,332 |
| Cash dividends to net income (ytd only)* | 46.5285% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1166% | 1,961 |
| Loan loss allowance to noncurrent loans | 59.2178% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.7366% | 2,012 |
| Noncurrent loans to loans | 3.5742% | 1,603 |
| Net loans and leases to total assets | 52.7961% | 4,993 |
| Net loans and leases to deposits | 62.6705% | 4,920 |
| Net loans and leases to core deposits | 69.3197% | 4,624 |
| Total domestic deposits to total assets | 84.2441% | 4,215 |
| Equity capital to assets | 8.8174% | 5,897 |
| Core capital (leverage) ratio | 8.2503% | 5,991 |
| Tier 1 risk-based capital ratio | 12.0914% | 5,866 |
| Total risk-based capital ratio | 13.3472% | 5,844 |
| Memoranda: | ||
| Average total assets | $927,272,330 | 716 |
| Average earning assets | $840,802,670 | 717 |
| Average equity | $81,623,670 | 850 |
| Average total loans | $501,138,670 | 827 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1039% | 5,441 |
| Cost of funding earning assets | 0.9463% | 2,328 |
| Net interest margin | 3.1575% | 5,887 |
| Noninterest income to average assets | 0.5481% | 3,577 |
| Noninterest expense to average assets | 3.2774% | 2,364 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1445% | 6,132 |
| Return on assets (ROA) | 0.1641% | 6,217 |
| Pretax return on assets | 0.1519% | 6,291 |
| Return on Equity (ROE) | 1.8662% | 6,108 |
| Retained earnings to average equity (ytd only) | 0.7574% | 5,754 |
| Net charge-offs to loans | 0.5690% | 1,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.4300% | 4,139 |
| Efficiency ratio | 96.1185% | 717 |
| Assets per employee ($millions) | 3.6651% | 4,731 |
| Cash dividends to net income (ytd only)* | 59.4164% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3014% | 1,673 |
| Loan loss allowance to noncurrent loans | 58.6704% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 2.9807% | 1,942 |
| Noncurrent loans to loans | 3.9226% | 1,568 |
| Net loans and leases to total assets | 52.7471% | 4,913 |
| Net loans and leases to deposits | 62.5563% | 4,836 |
| Net loans and leases to core deposits | 70.3988% | 4,353 |
| Total domestic deposits to total assets | 84.3194% | 4,362 |
| Equity capital to assets | 8.8585% | 5,684 |
| Core capital (leverage) ratio | 8.2281% | 5,983 |
| Tier 1 risk-based capital ratio | 12.3928% | 5,690 |
| Total risk-based capital ratio | 13.6506% | 5,644 |
| Memoranda: | ||
| Average total assets | $918,775,500 | 727 |
| Average earning assets | $832,681,000 | 723 |
| Average equity | $80,805,500 | 855 |
| Average total loans | $497,050,000 | 834 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 5,384 |
| Cost of funding earning assets | 1.1964% | 2,053 |
| Net interest margin | 3.2125% | 6,053 |
| Noninterest income to average assets | 0.5439% | 3,555 |
| Noninterest expense to average assets | 3.1187% | 3,136 |
| Loan and lease loss provision to assets | 0.9175% | 1,043 |
| Net operating income to assets | -0.2929% | 6,339 |
| Return on assets (ROA) | -0.1108% | 6,249 |
| Pretax return on assets | -0.2777% | 6,336 |
| Return on Equity (ROE) | -1.2607% | 6,270 |
| Retained earnings to average equity (ytd only) | -3.0324% | 6,274 |
| Net charge-offs to loans | 1.7926% | 825 |
| Credit loss provision to net charge-offs | 88.0162% | 4,100 |
| Earnings coverage of net charge-offs (x) | 0.3407% | 5,565 |
| Efficiency ratio | 89.7755% | 1,211 |
| Assets per employee ($millions) | 3.6704% | 4,612 |
| Cash dividends to net income (ytd only)* | -140.5273% | 7,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4213% | 1,422 |
| Loan loss allowance to noncurrent loans | 75.7027% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 2.4466% | 2,490 |
| Noncurrent loans to loans | 3.1984% | 2,021 |
| Net loans and leases to total assets | 52.8956% | 5,180 |
| Net loans and leases to deposits | 61.0942% | 5,355 |
| Net loans and leases to core deposits | 67.8701% | 5,042 |
| Total domestic deposits to total assets | 86.5804% | 2,991 |
| Equity capital to assets | 8.7317% | 5,866 |
| Core capital (leverage) ratio | 8.2537% | 5,923 |
| Tier 1 risk-based capital ratio | 12.5887% | 5,378 |
| Total risk-based capital ratio | 13.8480% | 5,362 |
| Memoranda: | ||
| Average total assets | $924,575,000 | 705 |
| Average earning assets | $843,274,400 | 699 |
| Average equity | $81,223,800 | 822 |
| Average total loans | $537,654,200 | 783 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 5,355 |
| Cost of funding earning assets | 1.2332% | 2,098 |
| Net interest margin | 3.2347% | 6,063 |
| Noninterest income to average assets | 0.5912% | 3,226 |
| Noninterest expense to average assets | 2.8774% | 4,026 |
| Loan and lease loss provision to assets | 0.8978% | 997 |
| Net operating income to assets | -0.1864% | 6,370 |
| Return on assets (ROA) | 0.0847% | 6,116 |
| Pretax return on assets | 0.0437% | 6,167 |
| Return on Equity (ROE) | 0.9629% | 6,074 |
| Retained earnings to average equity (ytd only) | -0.7926% | 6,115 |
| Net charge-offs to loans | 1.7699% | 763 |
| Credit loss provision to net charge-offs | 85.7792% | 3,931 |
| Earnings coverage of net charge-offs (x) | 0.6404% | 5,145 |
| Efficiency ratio | 81.1071% | 2,094 |
| Assets per employee ($millions) | 3.7549% | 4,401 |
| Cash dividends to net income (ytd only)* | 182.3133% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3311% | 1,642 |
| Loan loss allowance to noncurrent loans | 58.8882% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.9191% | 2,211 |
| Noncurrent loans to loans | 3.9585% | 1,674 |
| Net loans and leases to total assets | 55.4025% | 4,937 |
| Net loans and leases to deposits | 64.2411% | 5,135 |
| Net loans and leases to core deposits | 71.3880% | 4,793 |
| Total domestic deposits to total assets | 86.2416% | 3,069 |
| Equity capital to assets | 9.0125% | 5,746 |
| Core capital (leverage) ratio | 8.3437% | 5,923 |
| Tier 1 risk-based capital ratio | 12.5902% | 5,413 |
| Total risk-based capital ratio | 13.8489% | 5,385 |
| Memoranda: | ||
| Average total assets | $925,399,500 | 713 |
| Average earning assets | $845,809,750 | 701 |
| Average equity | $81,419,000 | 825 |
| Average total loans | $547,216,000 | 777 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 5,343 |
| Cost of funding earning assets | 1.2417% | 2,309 |
| Net interest margin | 3.2625% | 5,962 |
| Noninterest income to average assets | 0.6691% | 2,718 |
| Noninterest expense to average assets | 2.7891% | 4,473 |
| Loan and lease loss provision to assets | 1.1238% | 717 |
| Net operating income to assets | -0.1090% | 6,359 |
| Return on assets (ROA) | 0.0132% | 6,283 |
| Pretax return on assets | -0.0693% | 6,335 |
| Return on Equity (ROE) | 0.1510% | 6,277 |
| Retained earnings to average equity (ytd only) | -1.4528% | 6,149 |
| Net charge-offs to loans | 1.0819% | 1,457 |
| Credit loss provision to net charge-offs | 173.3178% | 1,743 |
| Earnings coverage of net charge-offs (x) | 1.3318% | 4,290 |
| Efficiency ratio | 76.3586% | 2,954 |
| Assets per employee ($millions) | 3.8271% | 4,131 |
| Cash dividends to net income (ytd only)* | 1,062.2951% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8390% | 1,045 |
| Loan loss allowance to noncurrent loans | 84.4291% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 2.6923% | 2,484 |
| Noncurrent loans to loans | 3.3626% | 2,115 |
| Net loans and leases to total assets | 56.1555% | 4,969 |
| Net loans and leases to deposits | 65.0467% | 5,141 |
| Net loans and leases to core deposits | 72.5075% | 4,755 |
| Total domestic deposits to total assets | 86.3310% | 3,140 |
| Equity capital to assets | 8.7438% | 5,881 |
| Core capital (leverage) ratio | 8.3862% | 5,729 |
| Tier 1 risk-based capital ratio | 12.1963% | 5,616 |
| Total risk-based capital ratio | 13.4605% | 5,587 |
| Memoranda: | ||
| Average total assets | $925,967,670 | 721 |
| Average earning assets | $846,769,000 | 710 |
| Average equity | $80,809,330 | 831 |
| Average total loans | $554,966,670 | 775 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 5,306 |
| Cost of funding earning assets | 1.2722% | 2,348 |
| Net interest margin | 3.2367% | 5,962 |
| Noninterest income to average assets | 0.6229% | 3,019 |
| Noninterest expense to average assets | 2.7418% | 4,668 |
| Loan and lease loss provision to assets | 1.7120% | 346 |
| Net operating income to assets | -0.4795% | 6,798 |
| Return on assets (ROA) | -0.4722% | 6,798 |
| Pretax return on assets | -0.8604% | 6,946 |
| Return on Equity (ROE) | -5.4163% | 6,833 |
| Retained earnings to average equity (ytd only) | -7.5349% | 6,713 |
| Net charge-offs to loans | 1.3976% | 982 |
| Credit loss provision to net charge-offs | 200.7150% | 1,476 |
| Earnings coverage of net charge-offs (x) | 0.9852% | 3,919 |
| Efficiency ratio | 76.5414% | 3,063 |
| Assets per employee ($millions) | 3.8511% | 4,181 |
| Cash dividends to net income (ytd only)* | -39.1144% | 7,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7809% | 1,133 |
| Loan loss allowance to noncurrent loans | 90.5839% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 2.6249% | 2,617 |
| Noncurrent loans to loans | 3.0700% | 2,445 |
| Net loans and leases to total assets | 58.0473% | 4,641 |
| Net loans and leases to deposits | 67.6253% | 4,724 |
| Net loans and leases to core deposits | 74.3884% | 4,496 |
| Total domestic deposits to total assets | 85.8367% | 3,620 |
| Equity capital to assets | 8.6423% | 5,726 |
| Core capital (leverage) ratio | 8.4215% | 5,591 |
| Tier 1 risk-based capital ratio | 11.9745% | 5,719 |
| Total risk-based capital ratio | 13.2383% | 5,689 |
| Memoranda: | ||
| Average total assets | $918,220,000 | 730 |
| Average earning assets | $839,486,000 | 722 |
| Average equity | $80,054,000 | 830 |
| Average total loans | $560,384,500 | 781 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7576% | 5,593 |
| Cost of funding earning assets | 1.4168% | 3,154 |
| Net interest margin | 3.3408% | 5,831 |
| Noninterest income to average assets | 0.6015% | 3,467 |
| Noninterest expense to average assets | 2.8450% | 4,421 |
| Loan and lease loss provision to assets | 1.4231% | 1,056 |
| Net operating income to assets | -0.5096% | 6,391 |
| Return on assets (ROA) | 0.0943% | 5,743 |
| Pretax return on assets | 0.0103% | 5,879 |
| Return on Equity (ROE) | 1.2196% | 5,641 |
| Retained earnings to average equity (ytd only) | -1.1842% | 5,834 |
| Net charge-offs to loans | 1.6395% | 1,321 |
| Credit loss provision to net charge-offs | 137.2383% | 2,781 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 5,328 |
| Efficiency ratio | 77.4250% | 2,806 |
| Assets per employee ($millions) | 3.7091% | 4,440 |
| Cash dividends to net income (ytd only)* | 197.0930% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3098% | 1,678 |
| Loan loss allowance to noncurrent loans | 83.3354% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 2.2212% | 3,066 |
| Noncurrent loans to loans | 2.7717% | 2,749 |
| Net loans and leases to total assets | 60.9063% | 4,506 |
| Net loans and leases to deposits | 71.2850% | 4,639 |
| Net loans and leases to core deposits | 79.4161% | 4,289 |
| Total domestic deposits to total assets | 85.4405% | 3,641 |
| Equity capital to assets | 8.7942% | 5,441 |
| Core capital (leverage) ratio | 8.7599% | 4,916 |
| Tier 1 risk-based capital ratio | 12.2402% | 5,267 |
| Total risk-based capital ratio | 13.4994% | 5,223 |
| Memoranda: | ||
| Average total assets | $912,078,400 | 739 |
| Average earning assets | $839,000,200 | 726 |
| Average equity | $70,512,800 | 956 |
| Average total loans | $576,872,200 | 775 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7816% | 5,735 |
| Cost of funding earning assets | 1.4254% | 3,426 |
| Net interest margin | 3.3562% | 5,822 |
| Noninterest income to average assets | 0.6449% | 3,153 |
| Noninterest expense to average assets | 2.6615% | 5,052 |
| Loan and lease loss provision to assets | 1.2662% | 1,115 |
| Net operating income to assets | -0.1772% | 6,288 |
| Return on assets (ROA) | 0.2906% | 5,373 |
| Pretax return on assets | 0.3169% | 5,458 |
| Return on Equity (ROE) | 3.8948% | 4,827 |
| Retained earnings to average equity (ytd only) | 1.3977% | 5,245 |
| Net charge-offs to loans | 1.1957% | 1,707 |
| Credit loss provision to net charge-offs | 166.8211% | 2,232 |
| Earnings coverage of net charge-offs (x) | 1.4157% | 4,666 |
| Efficiency ratio | 71.2387% | 3,843 |
| Assets per employee ($millions) | 3.9500% | 3,938 |
| Cash dividends to net income (ytd only)* | 64.1129% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2768% | 1,658 |
| Loan loss allowance to noncurrent loans | 79.6942% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 2.3383% | 3,040 |
| Noncurrent loans to loans | 2.8569% | 2,791 |
| Net loans and leases to total assets | 60.7175% | 4,775 |
| Net loans and leases to deposits | 70.0093% | 5,144 |
| Net loans and leases to core deposits | 79.9684% | 4,523 |
| Total domestic deposits to total assets | 86.7278% | 2,676 |
| Equity capital to assets | 7.4812% | 7,139 |
| Core capital (leverage) ratio | 6.8505% | 7,232 |
| Tier 1 risk-based capital ratio | 9.6461% | 7,210 |
| Total risk-based capital ratio | 10.9056% | 7,198 |
| Memoranda: | ||
| Average total assets | $910,130,750 | 739 |
| Average earning assets | $838,269,750 | 720 |
| Average equity | $67,917,250 | 987 |
| Average total loans | $577,714,000 | 781 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 5,703 |
| Cost of funding earning assets | 1.4346% | 3,643 |
| Net interest margin | 3.3899% | 5,678 |
| Noninterest income to average assets | 0.6121% | 3,241 |
| Noninterest expense to average assets | 2.6301% | 5,206 |
| Loan and lease loss provision to assets | 1.0590% | 1,365 |
| Net operating income to assets | 0.0358% | 6,024 |
| Return on assets (ROA) | 0.3199% | 5,269 |
| Pretax return on assets | 0.3607% | 5,338 |
| Return on Equity (ROE) | 4.2906% | 4,649 |
| Retained earnings to average equity (ytd only) | 1.7739% | 4,977 |
| Net charge-offs to loans | 1.4009% | 1,360 |
| Credit loss provision to net charge-offs | 118.2290% | 3,437 |
| Earnings coverage of net charge-offs (x) | 1.2285% | 4,582 |
| Efficiency ratio | 70.5030% | 4,089 |
| Assets per employee ($millions) | 4.0080% | 3,758 |
| Cash dividends to net income (ytd only)* | 58.6565% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8236% | 2,658 |
| Loan loss allowance to noncurrent loans | 64.9048% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.2523% | 3,194 |
| Noncurrent loans to loans | 2.8097% | 2,845 |
| Net loans and leases to total assets | 61.0988% | 4,860 |
| Net loans and leases to deposits | 69.5052% | 5,350 |
| Net loans and leases to core deposits | 80.7566% | 4,583 |
| Total domestic deposits to total assets | 87.9053% | 2,050 |
| Equity capital to assets | 7.4879% | 7,122 |
| Core capital (leverage) ratio | 7.2540% | 7,030 |
| Tier 1 risk-based capital ratio | 10.0083% | 7,021 |
| Total risk-based capital ratio | 11.2628% | 6,999 |
| Memoranda: | ||
| Average total assets | $902,771,330 | 741 |
| Average earning assets | $830,459,670 | 724 |
| Average equity | $67,309,670 | 989 |
| Average total loans | $577,218,330 | 790 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8927% | 5,497 |
| Cost of funding earning assets | 1.4733% | 3,720 |
| Net interest margin | 3.4194% | 5,501 |
| Noninterest income to average assets | 0.4680% | 4,319 |
| Noninterest expense to average assets | 2.6555% | 5,126 |
| Loan and lease loss provision to assets | 1.3434% | 888 |
| Net operating income to assets | -0.3591% | 6,725 |
| Return on assets (ROA) | 0.2181% | 5,742 |
| Pretax return on assets | 0.1903% | 5,897 |
| Return on Equity (ROE) | 2.9315% | 5,362 |
| Retained earnings to average equity (ytd only) | 0.3792% | 5,684 |
| Net charge-offs to loans | 0.9645% | 1,687 |
| Credit loss provision to net charge-offs | 214.8997% | 1,737 |
| Earnings coverage of net charge-offs (x) | 1.5301% | 3,814 |
| Efficiency ratio | 73.5185% | 3,657 |
| Assets per employee ($millions) | 4.0439% | 3,770 |
| Cash dividends to net income (ytd only)* | 87.0637% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9580% | 2,288 |
| Loan loss allowance to noncurrent loans | 73.8912% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 2.2619% | 3,197 |
| Noncurrent loans to loans | 2.6499% | 3,023 |
| Net loans and leases to total assets | 63.1868% | 4,494 |
| Net loans and leases to deposits | 71.7310% | 5,088 |
| Net loans and leases to core deposits | 86.9631% | 3,755 |
| Total domestic deposits to total assets | 88.0886% | 2,007 |
| Equity capital to assets | 7.3962% | 7,142 |
| Core capital (leverage) ratio | 7.2489% | 7,071 |
| Tier 1 risk-based capital ratio | 9.9145% | 7,087 |
| Total risk-based capital ratio | 11.1705% | 7,070 |
| Memoranda: | ||
| Average total assets | $893,237,000 | 773 |
| Average earning assets | $821,305,000 | 757 |
| Average equity | $66,451,500 | 1,003 |
| Average total loans | $578,980,000 | 803 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 5,888 |
| Cost of funding earning assets | 1.7764% | 4,123 |
| Net interest margin | 3.3713% | 5,492 |
| Noninterest income to average assets | 0.5653% | 3,904 |
| Noninterest expense to average assets | 2.5490% | 5,958 |
| Loan and lease loss provision to assets | 1.2811% | 1,806 |
| Net operating income to assets | -0.1227% | 5,712 |
| Return on assets (ROA) | 0.1733% | 5,057 |
| Pretax return on assets | 0.1321% | 5,151 |
| Return on Equity (ROE) | 2.1989% | 4,833 |
| Retained earnings to average equity (ytd only) | -1.9339% | 5,502 |
| Net charge-offs to loans | 1.2977% | 1,912 |
| Credit loss provision to net charge-offs | 151.9299% | 3,028 |
| Earnings coverage of net charge-offs (x) | 1.3249% | 4,806 |
| Efficiency ratio | 69.5272% | 4,727 |
| Assets per employee ($millions) | 4.0581% | 3,698 |
| Cash dividends to net income (ytd only)* | 187.9494% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 2,970 |
| Loan loss allowance to noncurrent loans | 72.8792% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 2.1134% | 3,253 |
| Noncurrent loans to loans | 2.3032% | 3,282 |
| Net loans and leases to total assets | 64.0971% | 4,582 |
| Net loans and leases to deposits | 73.7305% | 5,093 |
| Net loans and leases to core deposits | 99.2040% | 4,090 |
| Total domestic deposits to total assets | 86.9344% | 2,547 |
| Equity capital to assets | 7.4830% | 7,046 |
| Core capital (leverage) ratio | 7.5312% | 6,759 |
| Tier 1 risk-based capital ratio | 10.0272% | 6,850 |
| Total risk-based capital ratio | 11.2802% | 6,814 |
| Memoranda: | ||
| Average total assets | $866,463,600 | 785 |
| Average earning assets | $796,954,600 | 765 |
| Average equity | $68,305,800 | 962 |
| Average total loans | $563,013,600 | 849 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2127% | 5,828 |
| Cost of funding earning assets | 1.8732% | 4,029 |
| Net interest margin | 3.3395% | 5,495 |
| Noninterest income to average assets | 0.5445% | 4,123 |
| Noninterest expense to average assets | 2.4871% | 6,113 |
| Loan and lease loss provision to assets | 0.8402% | 2,277 |
| Net operating income to assets | 0.2389% | 5,024 |
| Return on assets (ROA) | 0.3715% | 4,616 |
| Pretax return on assets | 0.4484% | 4,667 |
| Return on Equity (ROE) | 4.6521% | 4,098 |
| Retained earnings to average equity (ytd only) | 0.6205% | 4,940 |
| Net charge-offs to loans | 0.8483% | 2,269 |
| Credit loss provision to net charge-offs | 152.5591% | 3,131 |
| Earnings coverage of net charge-offs (x) | 2.0495% | 4,282 |
| Efficiency ratio | 68.7840% | 4,829 |
| Assets per employee ($millions) | 3.9212% | 3,888 |
| Cash dividends to net income (ytd only)* | 86.6610% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 4,178 |
| Loan loss allowance to noncurrent loans | 62.3800% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 2.1593% | 3,148 |
| Noncurrent loans to loans | 2.1704% | 3,420 |
| Net loans and leases to total assets | 66.1804% | 4,389 |
| Net loans and leases to deposits | 79.5398% | 4,470 |
| Net loans and leases to core deposits | 132.6434% | 1,297 |
| Total domestic deposits to total assets | 83.2042% | 4,113 |
| Equity capital to assets | 8.1590% | 6,684 |
| Core capital (leverage) ratio | 7.7414% | 6,675 |
| Tier 1 risk-based capital ratio | 10.3892% | 6,583 |
| Total risk-based capital ratio | 11.5991% | 6,567 |
| Memoranda: | ||
| Average total assets | $860,899,500 | 797 |
| Average earning assets | $791,765,500 | 785 |
| Average equity | $68,756,500 | 971 |
| Average total loans | $558,924,750 | 871 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1978% | 6,084 |
| Cost of funding earning assets | 1.9885% | 3,831 |
| Net interest margin | 3.2093% | 5,881 |
| Noninterest income to average assets | 0.7103% | 2,928 |
| Noninterest expense to average assets | 2.5331% | 6,009 |
| Loan and lease loss provision to assets | 0.6383% | 2,515 |
| Net operating income to assets | 0.3728% | 4,609 |
| Return on assets (ROA) | 0.4765% | 4,299 |
| Pretax return on assets | 0.6274% | 4,241 |
| Return on Equity (ROE) | 6.0099% | 3,642 |
| Retained earnings to average equity (ytd only) | 2.1048% | 4,175 |
| Net charge-offs to loans | 1.0463% | 1,711 |
| Credit loss provision to net charge-offs | 95.0242% | 4,773 |
| Earnings coverage of net charge-offs (x) | 1.6811% | 4,287 |
| Efficiency ratio | 69.1659% | 4,949 |
| Assets per employee ($millions) | 4.0251% | 3,630 |
| Cash dividends to net income (ytd only)* | 64.9781% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 6,092 |
| Loan loss allowance to noncurrent loans | 56.0756% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.9967% | 3,201 |
| Noncurrent loans to loans | 1.8153% | 3,788 |
| Net loans and leases to total assets | 64.1293% | 4,956 |
| Net loans and leases to deposits | 78.0117% | 4,869 |
| Net loans and leases to core deposits | 134.2434% | 1,304 |
| Total domestic deposits to total assets | 82.2046% | 4,603 |
| Equity capital to assets | 7.7431% | 7,034 |
| Core capital (leverage) ratio | 7.7114% | 6,736 |
| Tier 1 risk-based capital ratio | 10.4285% | 6,444 |
| Total risk-based capital ratio | 11.3255% | 6,778 |
| Memoranda: | ||
| Average total assets | $861,620,330 | 818 |
| Average earning assets | $792,561,330 | 804 |
| Average equity | $68,320,670 | 981 |
| Average total loans | $553,194,330 | 905 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 6,210 |
| Cost of funding earning assets | 2.1475% | 3,421 |
| Net interest margin | 3.0759% | 6,270 |
| Noninterest income to average assets | 0.6958% | 2,916 |
| Noninterest expense to average assets | 2.5428% | 5,676 |
| Loan and lease loss provision to assets | 0.3514% | 3,206 |
| Net operating income to assets | 0.4524% | 4,645 |
| Return on assets (ROA) | 0.5871% | 4,264 |
| Pretax return on assets | 0.8214% | 4,001 |
| Return on Equity (ROE) | 7.3158% | 3,464 |
| Retained earnings to average equity (ytd only) | 3.8652% | 3,740 |
| Net charge-offs to loans | 1.3586% | 1,041 |
| Credit loss provision to net charge-offs | 40.4749% | 4,817 |
| Earnings coverage of net charge-offs (x) | 1.1322% | 4,186 |
| Efficiency ratio | 72.1196% | 4,172 |
| Assets per employee ($millions) | 3.8981% | 3,879 |
| Cash dividends to net income (ytd only)* | 47.1668% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 6,854 |
| Loan loss allowance to noncurrent loans | 61.4797% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.6245% | 3,478 |
| Noncurrent loans to loans | 1.4220% | 4,176 |
| Net loans and leases to total assets | 63.2575% | 5,111 |
| Net loans and leases to deposits | 77.5457% | 5,001 |
| Net loans and leases to core deposits | 132.6246% | 1,497 |
| Total domestic deposits to total assets | 81.5745% | 4,718 |
| Equity capital to assets | 7.9821% | 6,841 |
| Core capital (leverage) ratio | 7.7966% | 6,751 |
| Tier 1 risk-based capital ratio | 10.6935% | 6,192 |
| Total risk-based capital ratio | 11.4631% | 6,615 |
| Memoranda: | ||
| Average total assets | $853,698,000 | 823 |
| Average earning assets | $785,455,500 | 816 |
| Average equity | $68,509,500 | 980 |
| Average total loans | $545,542,000 | 923 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7937% | 6,454 |
| Cost of funding earning assets | 2.7896% | 2,749 |
| Net interest margin | 3.0041% | 6,904 |
| Noninterest income to average assets | 0.8629% | 2,148 |
| Noninterest expense to average assets | 2.7572% | 5,019 |
| Loan and lease loss provision to assets | 0.3305% | 3,746 |
| Net operating income to assets | 0.4362% | 5,004 |
| Return on assets (ROA) | 0.4612% | 4,725 |
| Pretax return on assets | 0.5395% | 4,885 |
| Return on Equity (ROE) | 5.6656% | 4,089 |
| Retained earnings to average equity (ytd only) | 2.1791% | 3,868 |
| Net charge-offs to loans | 0.1195% | 5,057 |
| Credit loss provision to net charge-offs | 406.9767% | 1,077 |
| Earnings coverage of net charge-offs (x) | 10.3505% | 2,526 |
| Efficiency ratio | 76.6358% | 3,133 |
| Assets per employee ($millions) | 3.7590% | 4,039 |
| Cash dividends to net income (ytd only)* | 61.5385% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,284 |
| Loan loss allowance to noncurrent loans | 59.5661% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.5845% | 3,069 |
| Noncurrent loans to loans | 1.8479% | 2,989 |
| Net loans and leases to total assets | 63.2894% | 5,405 |
| Net loans and leases to deposits | 84.7012% | 4,310 |
| Net loans and leases to core deposits | 131.5899% | 1,755 |
| Total domestic deposits to total assets | 74.7208% | 6,514 |
| Equity capital to assets | 8.0691% | 6,749 |
| Core capital (leverage) ratio | 8.6477% | 5,289 |
| Tier 1 risk-based capital ratio | 10.8317% | 5,876 |
| Total risk-based capital ratio | 11.7997% | 6,057 |
| Memoranda: | ||
| Average total assets | $741,254,400 | 905 |
| Average earning assets | $674,839,400 | 900 |
| Average equity | $60,346,800 | 1,115 |
| Average total loans | $503,974,600 | 956 |