Home > The Farmers National Bank of Cynthiana > Performance and Condition Ratios
The Farmers National Bank of Cynthiana, 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 | 3.0944% | 6,403 |
| Cost of funding earning assets | 0.5122% | 3,950 |
| Net interest margin | 2.5822% | 6,401 |
| Noninterest income to average assets | 0.7293% | 2,432 |
| Noninterest expense to average assets | 3.5508% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3873% | 6,620 |
| Return on assets (ROA) | -0.3873% | 6,655 |
| Pretax return on assets | -0.3873% | 6,631 |
| Return on Equity (ROE) | -3.3222% | 6,623 |
| Retained earnings to average equity (ytd only) | -3.3222% | 6,214 |
| Net charge-offs to loans | 1.7310% | 286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 3,924 |
| Efficiency ratio | 112.2417% | 299 |
| Assets per employee ($millions) | 3.7724% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.2545% | 11 |
| Loan loss allowance to noncurrent loans | 42.1917% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 10.5225% | 172 |
| Noncurrent loans to loans | 24.3046% | 12 |
| Net loans and leases to total assets | 38.3232% | 6,131 |
| Net loans and leases to deposits | 44.5233% | 6,158 |
| Net loans and leases to core deposits | 47.5288% | 6,121 |
| Total domestic deposits to total assets | 86.0744% | 3,491 |
| Equity capital to assets | 11.5626% | 2,358 |
| Core capital (leverage) ratio | 11.0987% | 2,182 |
| Tier 1 risk-based capital ratio | 22.2714% | 1,282 |
| Total risk-based capital ratio | 23.6160% | 1,245 |
| Memoranda: | ||
| Average total assets | $79,531,000 | 5,378 |
| Average earning assets | $74,975,000 | 5,292 |
| Average equity | $9,271,000 | 5,164 |
| Average total loans | $35,585,500 | 5,637 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5631% | 6,280 |
| Cost of funding earning assets | 3.0217% | 6 |
| Net interest margin | 0.5414% | 7,045 |
| Noninterest income to average assets | 0.4802% | 4,040 |
| Noninterest expense to average assets | 4.0863% | 875 |
| Loan and lease loss provision to assets | 1.5191% | 209 |
| Net operating income to assets | -4.6134% | 7,051 |
| Return on assets (ROA) | -3.8446% | 7,041 |
| Pretax return on assets | -3.8446% | 7,045 |
| Return on Equity (ROE) | -32.5850% | 6,962 |
| Retained earnings to average equity (ytd only) | -32.5850% | 6,946 |
| Net charge-offs to loans | 3.0614% | 158 |
| Credit loss provision to net charge-offs | 115.6832% | 2,498 |
| Earnings coverage of net charge-offs (x) | -2.3564% | 5,848 |
| Efficiency ratio | 411.9219% | 11 |
| Assets per employee ($millions) | 3.6291% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7022% | 15 |
| Loan loss allowance to noncurrent loans | 41.5148% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 11.5216% | 160 |
| Noncurrent loans to loans | 23.3705% | 14 |
| Net loans and leases to total assets | 42.2327% | 5,979 |
| Net loans and leases to deposits | 48.5774% | 6,063 |
| Net loans and leases to core deposits | 52.0427% | 6,014 |
| Total domestic deposits to total assets | 86.9390% | 2,873 |
| Equity capital to assets | 11.7509% | 2,224 |
| Core capital (leverage) ratio | 9.6989% | 3,808 |
| Tier 1 risk-based capital ratio | 21.3404% | 1,391 |
| Total risk-based capital ratio | 22.6828% | 1,349 |
| Memoranda: | ||
| Average total assets | $98,084,400 | 4,886 |
| Average earning assets | $92,728,600 | 4,784 |
| Average equity | $11,572,800 | 4,657 |
| Average total loans | $42,072,200 | 5,416 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 6,494 |
| Cost of funding earning assets | 1.0913% | 1,097 |
| Net interest margin | 2.4256% | 6,875 |
| Noninterest income to average assets | 0.4754% | 4,098 |
| Noninterest expense to average assets | 3.9345% | 1,024 |
| Loan and lease loss provision to assets | 1.9354% | 132 |
| Net operating income to assets | -3.0993% | 7,116 |
| Return on assets (ROA) | -3.1019% | 7,118 |
| Pretax return on assets | -3.1019% | 7,115 |
| Return on Equity (ROE) | -26.2689% | 7,042 |
| Retained earnings to average equity (ytd only) | -26.2689% | 7,032 |
| Net charge-offs to loans | 3.7760% | 101 |
| Credit loss provision to net charge-offs | 121.6327% | 2,381 |
| Earnings coverage of net charge-offs (x) | -0.7314% | 5,540 |
| Efficiency ratio | 142.0066% | 111 |
| Assets per employee ($millions) | 3.9225% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9721% | 20 |
| Loan loss allowance to noncurrent loans | 34.5034% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 11.8621% | 167 |
| Noncurrent loans to loans | 26.0035% | 14 |
| Net loans and leases to total assets | 39.7249% | 6,306 |
| Net loans and leases to deposits | 52.5564% | 5,937 |
| Net loans and leases to core deposits | 58.1493% | 5,722 |
| Total domestic deposits to total assets | 75.5853% | 6,442 |
| Equity capital to assets | 12.6153% | 1,812 |
| Core capital (leverage) ratio | 10.4868% | 2,927 |
| Tier 1 risk-based capital ratio | 21.4332% | 1,435 |
| Total risk-based capital ratio | 22.7624% | 1,394 |
| Memoranda: | ||
| Average total assets | $102,645,250 | 4,812 |
| Average earning assets | $97,127,750 | 4,711 |
| Average equity | $12,120,500 | 4,584 |
| Average total loans | $43,254,750 | 5,425 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4114% | 6,716 |
| Cost of funding earning assets | 1.0970% | 1,233 |
| Net interest margin | 2.3144% | 7,004 |
| Noninterest income to average assets | 0.5119% | 3,851 |
| Noninterest expense to average assets | 3.7751% | 1,257 |
| Loan and lease loss provision to assets | 2.5976% | 82 |
| Net operating income to assets | -3.6727% | 7,182 |
| Return on assets (ROA) | -3.6765% | 7,185 |
| Pretax return on assets | -3.6765% | 7,180 |
| Return on Equity (ROE) | -31.7817% | 7,115 |
| Retained earnings to average equity (ytd only) | -31.7817% | 7,105 |
| Net charge-offs to loans | 4.5795% | 86 |
| Credit loss provision to net charge-offs | 136.0477% | 2,023 |
| Earnings coverage of net charge-offs (x) | -0.5631% | 5,250 |
| Efficiency ratio | 139.8174% | 122 |
| Assets per employee ($millions) | 4.5261% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0719% | 22 |
| Loan loss allowance to noncurrent loans | 34.3532% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 11.3487% | 205 |
| Noncurrent loans to loans | 26.4079% | 13 |
| Net loans and leases to total assets | 36.4332% | 6,589 |
| Net loans and leases to deposits | 47.0173% | 6,374 |
| Net loans and leases to core deposits | 52.1792% | 6,227 |
| Total domestic deposits to total assets | 77.4890% | 6,248 |
| Equity capital to assets | 11.8453% | 2,274 |
| Core capital (leverage) ratio | 9.9671% | 3,464 |
| Tier 1 risk-based capital ratio | 21.5927% | 1,373 |
| Total risk-based capital ratio | 22.9221% | 1,332 |
| Memoranda: | ||
| Average total assets | $105,480,330 | 4,762 |
| Average earning assets | $99,724,670 | 4,673 |
| Average equity | $12,202,000 | 4,563 |
| Average total loans | $43,978,670 | 5,429 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5031% | 6,696 |
| Cost of funding earning assets | 1.1096% | 1,352 |
| Net interest margin | 2.3935% | 7,014 |
| Noninterest income to average assets | 0.4107% | 4,588 |
| Noninterest expense to average assets | 4.2460% | 702 |
| Loan and lease loss provision to assets | 3.3908% | 51 |
| Net operating income to assets | -4.9505% | 7,271 |
| Return on assets (ROA) | -4.9543% | 7,272 |
| Pretax return on assets | -4.9543% | 7,269 |
| Return on Equity (ROE) | -43.3368% | 7,210 |
| Retained earnings to average equity (ytd only) | -43.3368% | 7,197 |
| Net charge-offs to loans | 4.8856% | 98 |
| Credit loss provision to net charge-offs | 163.3394% | 1,556 |
| Earnings coverage of net charge-offs (x) | -0.7514% | 4,535 |
| Efficiency ratio | 158.0645% | 87 |
| Assets per employee ($millions) | 4.2819% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5930% | 23 |
| Loan loss allowance to noncurrent loans | 30.7053% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 12.2403% | 195 |
| Noncurrent loans to loans | 27.9853% | 15 |
| Net loans and leases to total assets | 37.4626% | 6,528 |
| Net loans and leases to deposits | 47.7843% | 6,298 |
| Net loans and leases to core deposits | 52.8018% | 6,143 |
| Total domestic deposits to total assets | 78.3994% | 6,210 |
| Equity capital to assets | 11.2781% | 2,644 |
| Core capital (leverage) ratio | 9.8124% | 3,624 |
| Tier 1 risk-based capital ratio | 20.2488% | 1,649 |
| Total risk-based capital ratio | 21.5737% | 1,604 |
| Memoranda: | ||
| Average total assets | $106,170,500 | 4,786 |
| Average earning assets | $100,940,500 | 4,674 |
| Average equity | $12,137,500 | 4,582 |
| Average total loans | $45,112,500 | 5,410 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 6,569 |
| Cost of funding earning assets | 1.2279% | 1,850 |
| Net interest margin | 2.7055% | 6,917 |
| Noninterest income to average assets | 0.5103% | 3,778 |
| Noninterest expense to average assets | 3.2332% | 2,754 |
| Loan and lease loss provision to assets | 2.9981% | 121 |
| Net operating income to assets | -3.1456% | 7,197 |
| Return on assets (ROA) | -3.1456% | 7,198 |
| Pretax return on assets | -3.1456% | 7,198 |
| Return on Equity (ROE) | -25.1810% | 7,047 |
| Retained earnings to average equity (ytd only) | -25.1810% | 7,037 |
| Net charge-offs to loans | 6.9893% | 29 |
| Credit loss provision to net charge-offs | 94.0303% | 3,832 |
| Earnings coverage of net charge-offs (x) | -0.0462% | 5,861 |
| Efficiency ratio | 104.7785% | 544 |
| Assets per employee ($millions) | 3.8997% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3805% | 41 |
| Loan loss allowance to noncurrent loans | 31.5416% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 11.0843% | 262 |
| Noncurrent loans to loans | 23.3992% | 29 |
| Net loans and leases to total assets | 40.7729% | 6,488 |
| Net loans and leases to deposits | 52.4348% | 6,173 |
| Net loans and leases to core deposits | 58.4111% | 5,977 |
| Total domestic deposits to total assets | 77.7592% | 6,238 |
| Equity capital to assets | 11.5886% | 2,436 |
| Core capital (leverage) ratio | 9.5740% | 3,912 |
| Tier 1 risk-based capital ratio | 19.1498% | 1,854 |
| Total risk-based capital ratio | 20.4621% | 1,802 |
| Memoranda: | ||
| Average total assets | $111,902,600 | 4,595 |
| Average earning assets | $106,521,800 | 4,493 |
| Average equity | $13,978,800 | 4,115 |
| Average total loans | $51,049,600 | 5,232 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 6,518 |
| Cost of funding earning assets | 1.2488% | 2,004 |
| Net interest margin | 2.7947% | 6,890 |
| Noninterest income to average assets | 0.5636% | 3,420 |
| Noninterest expense to average assets | 3.1303% | 3,054 |
| Loan and lease loss provision to assets | 1.9432% | 285 |
| Net operating income to assets | -1.8481% | 7,110 |
| Return on assets (ROA) | -1.8481% | 7,122 |
| Pretax return on assets | -1.8481% | 7,094 |
| Return on Equity (ROE) | -14.5504% | 7,003 |
| Retained earnings to average equity (ytd only) | -14.5504% | 6,977 |
| Net charge-offs to loans | 5.7622% | 65 |
| Credit loss provision to net charge-offs | 73.3274% | 4,374 |
| Earnings coverage of net charge-offs (x) | 0.0359% | 5,573 |
| Efficiency ratio | 97.0513% | 770 |
| Assets per employee ($millions) | 3.9015% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2264% | 77 |
| Loan loss allowance to noncurrent loans | 30.7661% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 9.7764% | 379 |
| Noncurrent loans to loans | 20.2378% | 54 |
| Net loans and leases to total assets | 41.8004% | 6,513 |
| Net loans and leases to deposits | 56.5337% | 5,978 |
| Net loans and leases to core deposits | 63.6867% | 5,654 |
| Total domestic deposits to total assets | 73.9388% | 6,768 |
| Equity capital to assets | 13.0507% | 1,595 |
| Core capital (leverage) ratio | 10.9570% | 2,428 |
| Tier 1 risk-based capital ratio | 21.5880% | 1,356 |
| Total risk-based capital ratio | 22.8879% | 1,316 |
| Memoranda: | ||
| Average total assets | $113,555,000 | 4,590 |
| Average earning assets | $108,153,500 | 4,475 |
| Average equity | $14,423,000 | 4,049 |
| Average total loans | $52,224,000 | 5,225 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 6,864 |
| Cost of funding earning assets | 1.2868% | 2,025 |
| Net interest margin | 2.5663% | 7,140 |
| Noninterest income to average assets | 0.6227% | 2,992 |
| Noninterest expense to average assets | 3.2020% | 2,890 |
| Loan and lease loss provision to assets | 2.6263% | 191 |
| Net operating income to assets | -2.7602% | 7,288 |
| Return on assets (ROA) | -2.7602% | 7,294 |
| Pretax return on assets | -2.7602% | 7,281 |
| Return on Equity (ROE) | -21.9224% | 7,168 |
| Retained earnings to average equity (ytd only) | -21.9224% | 7,155 |
| Net charge-offs to loans | 8.2959% | 36 |
| Credit loss provision to net charge-offs | 68.1716% | 4,107 |
| Earnings coverage of net charge-offs (x) | -0.0348% | 5,305 |
| Efficiency ratio | 104.3651% | 606 |
| Assets per employee ($millions) | 3.8257% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8030% | 109 |
| Loan loss allowance to noncurrent loans | 29.2315% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 9.4632% | 435 |
| Noncurrent loans to loans | 19.8518% | 65 |
| Net loans and leases to total assets | 42.8546% | 6,534 |
| Net loans and leases to deposits | 62.1828% | 5,481 |
| Net loans and leases to core deposits | 71.0911% | 4,941 |
| Total domestic deposits to total assets | 68.9170% | 7,159 |
| Equity capital to assets | 12.7378% | 1,653 |
| Core capital (leverage) ratio | 10.5412% | 2,673 |
| Tier 1 risk-based capital ratio | 21.1564% | 1,391 |
| Total risk-based capital ratio | 22.4540% | 1,360 |
| Memoranda: | ||
| Average total assets | $114,992,330 | 4,586 |
| Average earning assets | $109,574,330 | 4,464 |
| Average equity | $14,478,330 | 4,016 |
| Average total loans | $53,400,000 | 5,231 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 6,997 |
| Cost of funding earning assets | 1.3135% | 2,107 |
| Net interest margin | 2.4475% | 7,230 |
| Noninterest income to average assets | 0.4615% | 4,174 |
| Noninterest expense to average assets | 3.3089% | 2,530 |
| Loan and lease loss provision to assets | 1.2648% | 550 |
| Net operating income to assets | -1.7810% | 7,252 |
| Return on assets (ROA) | -1.7810% | 7,251 |
| Pretax return on assets | -1.7810% | 7,222 |
| Return on Equity (ROE) | -14.2238% | 7,134 |
| Retained earnings to average equity (ytd only) | -14.2238% | 7,021 |
| Net charge-offs to loans | 6.6128% | 91 |
| Credit loss provision to net charge-offs | 40.7938% | 3,932 |
| Earnings coverage of net charge-offs (x) | -0.1665% | 4,676 |
| Efficiency ratio | 118.4823% | 363 |
| Assets per employee ($millions) | 3.9070% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9991% | 100 |
| Loan loss allowance to noncurrent loans | 27.4752% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 11.5851% | 293 |
| Noncurrent loans to loans | 21.8348% | 53 |
| Net loans and leases to total assets | 41.4014% | 6,683 |
| Net loans and leases to deposits | 60.6830% | 5,657 |
| Net loans and leases to core deposits | 69.6247% | 5,096 |
| Total domestic deposits to total assets | 68.2257% | 7,258 |
| Equity capital to assets | 12.4212% | 1,668 |
| Core capital (leverage) ratio | 11.2849% | 1,966 |
| Tier 1 risk-based capital ratio | 22.0406% | 1,221 |
| Total risk-based capital ratio | 23.3390% | 1,189 |
| Memoranda: | ||
| Average total assets | $117,016,000 | 4,561 |
| Average earning assets | $111,460,000 | 4,420 |
| Average equity | $14,651,500 | 3,964 |
| Average total loans | $54,863,000 | 5,218 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 6,821 |
| Cost of funding earning assets | 1.7273% | 1,474 |
| Net interest margin | 2.5509% | 7,240 |
| Noninterest income to average assets | 0.5063% | 4,122 |
| Noninterest expense to average assets | 2.4915% | 5,831 |
| Loan and lease loss provision to assets | 1.0983% | 1,457 |
| Net operating income to assets | -0.6403% | 6,478 |
| Return on assets (ROA) | -0.6066% | 6,483 |
| Pretax return on assets | -0.6066% | 6,400 |
| Return on Equity (ROE) | -5.2698% | 6,457 |
| Retained earnings to average equity (ytd only) | -5.2698% | 6,329 |
| Net charge-offs to loans | 3.8943% | 336 |
| Credit loss provision to net charge-offs | 48.8087% | 6,278 |
| Earnings coverage of net charge-offs (x) | 0.2035% | 5,903 |
| Efficiency ratio | 84.4716% | 1,867 |
| Assets per employee ($millions) | 4.0283% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2545% | 98 |
| Loan loss allowance to noncurrent loans | 34.7485% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 9.4110% | 462 |
| Noncurrent loans to loans | 17.9994% | 99 |
| Net loans and leases to total assets | 46.6252% | 6,508 |
| Net loans and leases to deposits | 68.5210% | 5,037 |
| Net loans and leases to core deposits | 80.5073% | 4,135 |
| Total domestic deposits to total assets | 68.0451% | 7,321 |
| Equity capital to assets | 12.6210% | 1,566 |
| Core capital (leverage) ratio | 11.5152% | 1,823 |
| Tier 1 risk-based capital ratio | 21.8413% | 1,198 |
| Total risk-based capital ratio | 23.1472% | 1,166 |
| Memoranda: | ||
| Average total assets | $130,566,000 | 4,248 |
| Average earning assets | $125,052,600 | 4,130 |
| Average equity | $15,029,000 | 3,936 |
| Average total loans | $75,443,400 | 4,468 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 7,083 |
| Cost of funding earning assets | 1.8067% | 1,389 |
| Net interest margin | 2.3971% | 7,441 |
| Noninterest income to average assets | 0.4567% | 4,507 |
| Noninterest expense to average assets | 2.7720% | 4,591 |
| Loan and lease loss provision to assets | 1.4268% | 945 |
| Net operating income to assets | -1.4477% | 7,093 |
| Return on assets (ROA) | -1.4039% | 7,096 |
| Pretax return on assets | -1.4039% | 7,016 |
| Return on Equity (ROE) | -12.4587% | 7,029 |
| Retained earnings to average equity (ytd only) | -12.4587% | 6,993 |
| Net charge-offs to loans | 4.7948% | 193 |
| Credit loss provision to net charge-offs | 49.9826% | 5,884 |
| Earnings coverage of net charge-offs (x) | -0.0073% | 6,034 |
| Efficiency ratio | 100.7595% | 719 |
| Assets per employee ($millions) | 3.9035% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4301% | 134 |
| Loan loss allowance to noncurrent loans | 22.3261% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 14.6509% | 165 |
| Noncurrent loans to loans | 24.3218% | 34 |
| Net loans and leases to total assets | 53.2939% | 5,946 |
| Net loans and leases to deposits | 76.6728% | 4,057 |
| Net loans and leases to core deposits | 89.7628% | 3,134 |
| Total domestic deposits to total assets | 69.5083% | 7,300 |
| Equity capital to assets | 12.5254% | 1,840 |
| Core capital (leverage) ratio | 10.5955% | 2,600 |
| Tier 1 risk-based capital ratio | 18.2366% | 1,953 |
| Total risk-based capital ratio | 19.5470% | 1,891 |
| Memoranda: | ||
| Average total assets | $134,002,250 | 4,231 |
| Average earning assets | $128,261,000 | 4,106 |
| Average equity | $15,100,250 | 3,974 |
| Average total loans | $79,778,750 | 4,411 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 6,719 |
| Cost of funding earning assets | 1.9226% | 1,144 |
| Net interest margin | 2.5745% | 7,372 |
| Noninterest income to average assets | 0.3831% | 5,059 |
| Noninterest expense to average assets | 2.5966% | 5,340 |
| Loan and lease loss provision to assets | 2.0733% | 593 |
| Net operating income to assets | -1.8260% | 7,263 |
| Return on assets (ROA) | -1.7899% | 7,258 |
| Pretax return on assets | -1.7899% | 7,171 |
| Return on Equity (ROE) | -16.4177% | 7,186 |
| Retained earnings to average equity (ytd only) | -16.4177% | 7,149 |
| Net charge-offs to loans | 6.1717% | 125 |
| Credit loss provision to net charge-offs | 55.5599% | 5,305 |
| Earnings coverage of net charge-offs (x) | 0.0663% | 5,655 |
| Efficiency ratio | 91.3066% | 1,236 |
| Assets per employee ($millions) | 4.1115% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3468% | 140 |
| Loan loss allowance to noncurrent loans | 24.7719% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 12.4734% | 245 |
| Noncurrent loans to loans | 21.5841% | 62 |
| Net loans and leases to total assets | 53.7000% | 6,023 |
| Net loans and leases to deposits | 72.1660% | 4,963 |
| Net loans and leases to core deposits | 82.6359% | 4,325 |
| Total domestic deposits to total assets | 74.4117% | 6,925 |
| Equity capital to assets | 11.4078% | 2,514 |
| Core capital (leverage) ratio | 9.7586% | 3,460 |
| Tier 1 risk-based capital ratio | 15.6086% | 2,844 |
| Total risk-based capital ratio | 16.9050% | 2,785 |
| Memoranda: | ||
| Average total assets | $138,333,000 | 4,168 |
| Average earning assets | $132,219,330 | 4,053 |
| Average equity | $15,081,330 | 3,982 |
| Average total loans | $83,640,330 | 4,332 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 6,662 |
| Cost of funding earning assets | 1.9568% | 1,221 |
| Net interest margin | 2.6002% | 7,392 |
| Noninterest income to average assets | 0.3952% | 4,953 |
| Noninterest expense to average assets | 2.7830% | 4,549 |
| Loan and lease loss provision to assets | 1.4113% | 846 |
| Net operating income to assets | -1.3238% | 7,262 |
| Return on assets (ROA) | -1.3238% | 7,275 |
| Pretax return on assets | -1.3238% | 7,190 |
| Return on Equity (ROE) | -12.4095% | 7,234 |
| Retained earnings to average equity (ytd only) | -12.4095% | 7,094 |
| Net charge-offs to loans | -0.5809% | 7,811 |
| Credit loss provision to net charge-offs | -390.6250% | 6,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9518% | 973 |
| Assets per employee ($millions) | 4.5911% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8356% | 64 |
| Loan loss allowance to noncurrent loans | 43.4940% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 9.8074% | 414 |
| Noncurrent loans to loans | 15.7161% | 158 |
| Net loans and leases to total assets | 57.0575% | 5,594 |
| Net loans and leases to deposits | 76.4249% | 4,336 |
| Net loans and leases to core deposits | 86.8029% | 3,787 |
| Total domestic deposits to total assets | 74.6582% | 6,960 |
| Equity capital to assets | 10.9959% | 2,769 |
| Core capital (leverage) ratio | 9.8051% | 3,390 |
| Tier 1 risk-based capital ratio | 15.9522% | 2,675 |
| Total risk-based capital ratio | 17.2729% | 2,606 |
| Memoranda: | ||
| Average total assets | $141,715,500 | 4,164 |
| Average earning assets | $134,915,000 | 4,059 |
| Average equity | $15,117,500 | 3,996 |
| Average total loans | $88,139,000 | 4,251 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2357% | 5,484 |
| Cost of funding earning assets | 2.4927% | 1,040 |
| Net interest margin | 2.7430% | 7,148 |
| Noninterest income to average assets | 0.5015% | 4,396 |
| Noninterest expense to average assets | 3.0031% | 4,127 |
| Loan and lease loss provision to assets | 4.9766% | 199 |
| Net operating income to assets | -4.9083% | 7,735 |
| Return on assets (ROA) | -4.8375% | 7,720 |
| Pretax return on assets | -4.8375% | 7,678 |
| Return on Equity (ROE) | -38.1010% | 7,535 |
| Retained earnings to average equity (ytd only) | -40.1271% | 7,555 |
| Net charge-offs to loans | 3.8269% | 449 |
| Credit loss provision to net charge-offs | 214.8345% | 1,779 |
| Earnings coverage of net charge-offs (x) | 0.0294% | 6,159 |
| Efficiency ratio | 97.7792% | 1,223 |
| Assets per employee ($millions) | 4.8566% | 2,399 |
| Cash dividends to net income (ytd only)* | -5.3176% | 7,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5893% | 123 |
| Loan loss allowance to noncurrent loans | 33.2428% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 10.9274% | 309 |
| Noncurrent loans to loans | 16.8137% | 118 |
| Net loans and leases to total assets | 59.5664% | 5,405 |
| Net loans and leases to deposits | 79.5926% | 4,069 |
| Net loans and leases to core deposits | 102.6713% | 3,726 |
| Total domestic deposits to total assets | 74.8391% | 6,891 |
| Equity capital to assets | 10.3570% | 3,334 |
| Core capital (leverage) ratio | 9.7376% | 3,400 |
| Tier 1 risk-based capital ratio | 14.0682% | 3,458 |
| Total risk-based capital ratio | 15.3453% | 3,396 |
| Memoranda: | ||
| Average total assets | $153,941,800 | 3,898 |
| Average earning assets | $144,221,400 | 3,811 |
| Average equity | $19,545,400 | 3,274 |
| Average total loans | $93,182,400 | 4,126 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2612% | 5,628 |
| Cost of funding earning assets | 2.6109% | 1,007 |
| Net interest margin | 2.6503% | 7,293 |
| Noninterest income to average assets | 0.4478% | 4,912 |
| Noninterest expense to average assets | 2.3837% | 6,467 |
| Loan and lease loss provision to assets | 4.4058% | 234 |
| Net operating income to assets | -3.8674% | 7,732 |
| Return on assets (ROA) | -3.7759% | 7,722 |
| Pretax return on assets | -3.7759% | 7,651 |
| Return on Equity (ROE) | -28.5127% | 7,573 |
| Retained earnings to average equity (ytd only) | -31.0685% | 7,617 |
| Net charge-offs to loans | 4.3095% | 306 |
| Credit loss provision to net charge-offs | 170.5824% | 2,730 |
| Earnings coverage of net charge-offs (x) | 0.2085% | 5,815 |
| Efficiency ratio | 81.5736% | 2,639 |
| Assets per employee ($millions) | 4.8266% | 2,362 |
| Cash dividends to net income (ytd only)* | -8.9634% | 7,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2406% | 541 |
| Loan loss allowance to noncurrent loans | 43.1933% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 5.4396% | 1,060 |
| Noncurrent loans to loans | 7.5024% | 688 |
| Net loans and leases to total assets | 63.3798% | 5,000 |
| Net loans and leases to deposits | 87.7798% | 3,009 |
| Net loans and leases to core deposits | 117.6021% | 2,457 |
| Total domestic deposits to total assets | 72.2032% | 7,181 |
| Equity capital to assets | 12.6536% | 1,855 |
| Core capital (leverage) ratio | 11.4520% | 2,099 |
| Tier 1 risk-based capital ratio | 15.8208% | 2,698 |
| Total risk-based capital ratio | 17.0523% | 2,635 |
| Memoranda: | ||
| Average total assets | $156,002,750 | 3,875 |
| Average earning assets | $145,640,750 | 3,802 |
| Average equity | $20,659,250 | 3,145 |
| Average total loans | $93,496,750 | 4,164 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0494% | 6,620 |
| Cost of funding earning assets | 2.7178% | 990 |
| Net interest margin | 2.3317% | 7,648 |
| Noninterest income to average assets | 0.4465% | 4,880 |
| Noninterest expense to average assets | 2.3955% | 6,475 |
| Loan and lease loss provision to assets | 6.5200% | 114 |
| Net operating income to assets | -6.3151% | 8,015 |
| Return on assets (ROA) | -6.1874% | 8,001 |
| Pretax return on assets | -6.1874% | 7,958 |
| Return on Equity (ROE) | -46.0756% | 7,894 |
| Retained earnings to average equity (ytd only) | -49.8053% | 7,905 |
| Net charge-offs to loans | 6.5766% | 150 |
| Credit loss provision to net charge-offs | 170.4132% | 2,699 |
| Earnings coverage of net charge-offs (x) | 0.0536% | 5,620 |
| Efficiency ratio | 92.1206% | 1,631 |
| Assets per employee ($millions) | 4.5225% | 2,734 |
| Cash dividends to net income (ytd only)* | -8.0948% | 7,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2995% | 447 |
| Loan loss allowance to noncurrent loans | 138.9838% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 2.0564% | 3,120 |
| Noncurrent loans to loans | 2.3740% | 3,044 |
| Net loans and leases to total assets | 62.3098% | 5,304 |
| Net loans and leases to deposits | 82.7730% | 4,089 |
| Net loans and leases to core deposits | 111.5358% | 3,199 |
| Total domestic deposits to total assets | 75.2779% | 6,700 |
| Equity capital to assets | 11.7654% | 2,347 |
| Core capital (leverage) ratio | 10.7199% | 2,643 |
| Tier 1 risk-based capital ratio | 15.4217% | 2,850 |
| Total risk-based capital ratio | 16.6380% | 2,788 |
| Memoranda: | ||
| Average total assets | $158,128,670 | 3,862 |
| Average earning assets | $146,076,670 | 3,818 |
| Average equity | $21,234,670 | 3,068 |
| Average total loans | $91,993,000 | 4,232 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3959% | 5,448 |
| Cost of funding earning assets | 2.7589% | 1,088 |
| Net interest margin | 2.6370% | 7,318 |
| Noninterest income to average assets | 0.4207% | 5,044 |
| Noninterest expense to average assets | 1.8896% | 7,566 |
| Loan and lease loss provision to assets | 0.2214% | 4,236 |
| Net operating income to assets | 0.7037% | 3,540 |
| Return on assets (ROA) | 0.7701% | 3,429 |
| Pretax return on assets | 0.7701% | 4,187 |
| Return on Equity (ROE) | 5.4264% | 4,275 |
| Retained earnings to average equity (ytd only) | 1.9070% | 4,791 |
| Net charge-offs to loans | 0.9877% | 1,364 |
| Credit loss provision to net charge-offs | 40.5405% | 4,815 |
| Earnings coverage of net charge-offs (x) | 1.6937% | 3,882 |
| Efficiency ratio | 67.1329% | 5,113 |
| Assets per employee ($millions) | 5.0996% | 1,960 |
| Cash dividends to net income (ytd only)* | 64.8562% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 6,318 |
| Loan loss allowance to noncurrent loans | 53.7780% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 1.8379% | 3,161 |
| Noncurrent loans to loans | 1.8198% | 3,533 |
| Net loans and leases to total assets | 54.7728% | 6,387 |
| Net loans and leases to deposits | 77.2414% | 5,052 |
| Net loans and leases to core deposits | 100.7906% | 4,462 |
| Total domestic deposits to total assets | 70.9112% | 7,338 |
| Equity capital to assets | 13.7318% | 1,455 |
| Core capital (leverage) ratio | 13.5837% | 1,304 |
| Tier 1 risk-based capital ratio | 18.9179% | 1,831 |
| Total risk-based capital ratio | 19.6796% | 1,910 |
| Memoranda: | ||
| Average total assets | $162,571,500 | 3,784 |
| Average earning assets | $147,593,500 | 3,798 |
| Average equity | $23,072,500 | 2,874 |
| Average total loans | $89,906,500 | 4,312 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1427% | 4,814 |
| Cost of funding earning assets | 2.8704% | 2,389 |
| Net interest margin | 3.2723% | 6,129 |
| Noninterest income to average assets | 0.5523% | 4,211 |
| Noninterest expense to average assets | 2.7383% | 5,097 |
| Loan and lease loss provision to assets | 0.2499% | 4,418 |
| Net operating income to assets | 0.6820% | 3,973 |
| Return on assets (ROA) | 0.7878% | 3,330 |
| Pretax return on assets | 0.7878% | 4,115 |
| Return on Equity (ROE) | 5.1303% | 4,320 |
| Retained earnings to average equity (ytd only) | 0.6491% | 4,850 |
| Net charge-offs to loans | 0.1168% | 5,095 |
| Credit loss provision to net charge-offs | 406.6667% | 1,081 |
| Earnings coverage of net charge-offs (x) | 15.1667% | 1,953 |
| Efficiency ratio | 74.6094% | 3,475 |
| Assets per employee ($millions) | 4.7532% | 2,231 |
| Cash dividends to net income (ytd only)* | 87.3484% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 4,513 |
| Loan loss allowance to noncurrent loans | 187.9279% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8709% | 4,679 |
| Noncurrent loans to loans | 0.6399% | 5,444 |
| Net loans and leases to total assets | 54.6256% | 6,589 |
| Net loans and leases to deposits | 82.7927% | 4,607 |
| Net loans and leases to core deposits | 111.9556% | 3,567 |
| Total domestic deposits to total assets | 65.9788% | 7,660 |
| Equity capital to assets | 14.6862% | 1,256 |
| Core capital (leverage) ratio | 14.6947% | 1,089 |
| Tier 1 risk-based capital ratio | 19.8761% | 1,639 |
| Total risk-based capital ratio | 20.7967% | 1,653 |
| Memoranda: | ||
| Average total assets | $146,475,400 | 3,964 |
| Average earning assets | $139,564,400 | 3,860 |
| Average equity | $22,493,600 | 2,910 |
| Average total loans | $77,070,600 | 4,615 |