Home > The Randolph National Bank > Performance and Condition Ratios
The Randolph National Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 1,745 |
| Cost of funding earning assets | 0.3511% | 5,284 |
| Net interest margin | 4.3009% | 1,094 |
| Noninterest income to average assets | 0.5092% | 3,742 |
| Noninterest expense to average assets | 4.4903% | 523 |
| Loan and lease loss provision to assets | 0.0713% | 3,642 |
| Net operating income to assets | -0.0697% | 6,357 |
| Return on assets (ROA) | -0.0697% | 6,393 |
| Pretax return on assets | -0.0649% | 6,373 |
| Return on Equity (ROE) | -0.8197% | 6,410 |
| Retained earnings to average equity (ytd only) | -2.5708% | 6,317 |
| Net charge-offs to loans | 0.2850% | 2,117 |
| Credit loss provision to net charge-offs | 31.3589% | 3,869 |
| Earnings coverage of net charge-offs (x) | 0.0279% | 4,849 |
| Efficiency ratio | 98.3621% | 517 |
| Assets per employee ($millions) | 2.8299% | 6,108 |
| Cash dividends to net income (ytd only)* | -213.6368% | 6,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 5,644 |
| Loan loss allowance to noncurrent loans | 36.1491% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 3.6686% | 897 |
| Noncurrent loans to loans | 2.8142% | 1,479 |
| Net loans and leases to total assets | 77.2454% | 843 |
| Net loans and leases to deposits | 86.0526% | 1,609 |
| Net loans and leases to core deposits | 87.0423% | 2,278 |
| Total domestic deposits to total assets | 89.7652% | 1,130 |
| Equity capital to assets | 8.2995% | 5,916 |
| Core capital (leverage) ratio | 7.8352% | 6,312 |
| Tier 1 risk-based capital ratio | 12.8486% | 5,225 |
| Total risk-based capital ratio | 14.0994% | 5,168 |
| Memoranda: | ||
| Average total assets | $168,360,500 | 3,478 |
| Average earning assets | $156,086,250 | 3,437 |
| Average equity | $14,314,000 | 4,058 |
| Average total loans | $134,277,500 | 2,797 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7069% | 1,548 |
| Cost of funding earning assets | 0.3597% | 5,319 |
| Net interest margin | 4.3472% | 941 |
| Noninterest income to average assets | 0.4944% | 3,873 |
| Noninterest expense to average assets | 4.3352% | 610 |
| Loan and lease loss provision to assets | 0.0715% | 3,605 |
| Net operating income to assets | 0.1120% | 6,107 |
| Return on assets (ROA) | 0.1120% | 6,197 |
| Pretax return on assets | 0.1191% | 6,203 |
| Return on Equity (ROE) | 1.3066% | 6,142 |
| Retained earnings to average equity (ytd only) | -0.4309% | 5,942 |
| Net charge-offs to loans | 0.0282% | 4,299 |
| Credit loss provision to net charge-offs | 315.7895% | 817 |
| Earnings coverage of net charge-offs (x) | 8.4211% | 2,397 |
| Efficiency ratio | 94.3143% | 752 |
| Assets per employee ($millions) | 2.7686% | 6,196 |
| Cash dividends to net income (ytd only)* | 132.9787% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 5,081 |
| Loan loss allowance to noncurrent loans | 43.3097% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 3.5048% | 1,099 |
| Noncurrent loans to loans | 2.7306% | 1,670 |
| Net loans and leases to total assets | 79.7800% | 556 |
| Net loans and leases to deposits | 89.0003% | 1,230 |
| Net loans and leases to core deposits | 90.4373% | 1,873 |
| Total domestic deposits to total assets | 89.6402% | 1,235 |
| Equity capital to assets | 8.6369% | 5,630 |
| Core capital (leverage) ratio | 8.0438% | 6,151 |
| Tier 1 risk-based capital ratio | 12.9674% | 5,165 |
| Total risk-based capital ratio | 14.2211% | 5,099 |
| Memoranda: | ||
| Average total assets | $167,882,670 | 3,497 |
| Average earning assets | $155,686,670 | 3,465 |
| Average equity | $14,388,000 | 4,071 |
| Average total loans | $134,868,000 | 2,788 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 1,509 |
| Cost of funding earning assets | 0.3731% | 5,339 |
| Net interest margin | 4.3364% | 897 |
| Noninterest income to average assets | 0.4906% | 3,838 |
| Noninterest expense to average assets | 4.2141% | 701 |
| Loan and lease loss provision to assets | 0.0711% | 3,447 |
| Net operating income to assets | 0.2133% | 5,845 |
| Return on assets (ROA) | 0.2133% | 5,963 |
| Pretax return on assets | 0.2275% | 6,026 |
| Return on Equity (ROE) | 2.4985% | 5,778 |
| Retained earnings to average equity (ytd only) | 0.7496% | 5,530 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9118% | 994 |
| Assets per employee ($millions) | 2.7419% | 6,356 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 5,327 |
| Loan loss allowance to noncurrent loans | 43.5203% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 3.3584% | 1,292 |
| Noncurrent loans to loans | 2.6873% | 1,902 |
| Net loans and leases to total assets | 79.5772% | 464 |
| Net loans and leases to deposits | 88.8954% | 1,060 |
| Net loans and leases to core deposits | 90.7186% | 1,638 |
| Total domestic deposits to total assets | 89.5177% | 1,349 |
| Equity capital to assets | 8.6192% | 5,894 |
| Core capital (leverage) ratio | 8.0581% | 6,087 |
| Tier 1 risk-based capital ratio | 12.8486% | 5,340 |
| Total risk-based capital ratio | 14.1021% | 5,282 |
| Memoranda: | ||
| Average total assets | $168,767,500 | 3,523 |
| Average earning assets | $156,537,000 | 3,493 |
| Average equity | $14,408,500 | 4,111 |
| Average total loans | $135,246,500 | 2,798 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 1,534 |
| Cost of funding earning assets | 0.4812% | 5,341 |
| Net interest margin | 4.5283% | 895 |
| Noninterest income to average assets | 0.4664% | 4,131 |
| Noninterest expense to average assets | 4.2165% | 754 |
| Loan and lease loss provision to assets | 0.0779% | 4,736 |
| Net operating income to assets | 0.2613% | 5,597 |
| Return on assets (ROA) | 0.2613% | 5,805 |
| Pretax return on assets | 0.3345% | 5,754 |
| Return on Equity (ROE) | 3.1157% | 5,508 |
| Retained earnings to average equity (ytd only) | 1.3692% | 5,192 |
| Net charge-offs to loans | 0.1619% | 4,087 |
| Credit loss provision to net charge-offs | 60.4545% | 4,432 |
| Earnings coverage of net charge-offs (x) | 3.2000% | 3,833 |
| Efficiency ratio | 89.6595% | 1,096 |
| Assets per employee ($millions) | 2.7029% | 6,424 |
| Cash dividends to net income (ytd only)* | 56.0538% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 5,394 |
| Loan loss allowance to noncurrent loans | 39.6866% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 3.4596% | 1,318 |
| Noncurrent loans to loans | 2.8663% | 1,829 |
| Net loans and leases to total assets | 78.8561% | 581 |
| Net loans and leases to deposits | 89.3001% | 1,134 |
| Net loans and leases to core deposits | 91.1211% | 1,712 |
| Total domestic deposits to total assets | 88.3046% | 2,029 |
| Equity capital to assets | 8.4572% | 6,080 |
| Core capital (leverage) ratio | 8.0517% | 6,143 |
| Tier 1 risk-based capital ratio | 12.7169% | 5,319 |
| Total risk-based capital ratio | 13.9700% | 5,252 |
| Memoranda: | ||
| Average total assets | $170,686,400 | 3,443 |
| Average earning assets | $156,901,400 | 3,421 |
| Average equity | $14,314,800 | 4,100 |
| Average total loans | $135,893,000 | 2,774 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0015% | 1,693 |
| Cost of funding earning assets | 0.5064% | 5,398 |
| Net interest margin | 4.4950% | 1,000 |
| Noninterest income to average assets | 0.4442% | 4,333 |
| Noninterest expense to average assets | 4.1993% | 722 |
| Loan and lease loss provision to assets | 0.0570% | 5,020 |
| Net operating income to assets | 0.2498% | 5,784 |
| Return on assets (ROA) | 0.2498% | 5,974 |
| Pretax return on assets | 0.3107% | 5,935 |
| Return on Equity (ROE) | 2.9850% | 5,686 |
| Retained earnings to average equity (ytd only) | 1.2407% | 5,677 |
| Net charge-offs to loans | 0.1511% | 3,899 |
| Credit loss provision to net charge-offs | 47.4026% | 4,459 |
| Earnings coverage of net charge-offs (x) | 3.0584% | 3,807 |
| Efficiency ratio | 90.5128% | 1,002 |
| Assets per employee ($millions) | 2.6975% | 6,491 |
| Cash dividends to net income (ytd only)* | 58.4376% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 5,553 |
| Loan loss allowance to noncurrent loans | 43.3725% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 3.1769% | 1,620 |
| Noncurrent loans to loans | 2.6300% | 2,161 |
| Net loans and leases to total assets | 79.0956% | 589 |
| Net loans and leases to deposits | 88.1471% | 1,331 |
| Net loans and leases to core deposits | 89.9106% | 1,990 |
| Total domestic deposits to total assets | 89.7314% | 981 |
| Equity capital to assets | 8.4457% | 6,311 |
| Core capital (leverage) ratio | 7.8487% | 6,439 |
| Tier 1 risk-based capital ratio | 12.5105% | 5,632 |
| Total risk-based capital ratio | 13.7636% | 5,590 |
| Memoranda: | ||
| Average total assets | $170,787,750 | 3,474 |
| Average earning assets | $156,643,500 | 3,474 |
| Average equity | $14,293,250 | 4,144 |
| Average total loans | $135,910,750 | 2,811 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 2,020 |
| Cost of funding earning assets | 0.5287% | 5,434 |
| Net interest margin | 4.3927% | 1,221 |
| Noninterest income to average assets | 0.4162% | 4,531 |
| Noninterest expense to average assets | 4.1515% | 780 |
| Loan and lease loss provision to assets | 0.0526% | 5,008 |
| Net operating income to assets | 0.2034% | 5,905 |
| Return on assets (ROA) | 0.2034% | 6,091 |
| Pretax return on assets | 0.2432% | 6,070 |
| Return on Equity (ROE) | 2.4381% | 5,900 |
| Retained earnings to average equity (ytd only) | 0.6866% | 5,784 |
| Net charge-offs to loans | 0.1207% | 3,966 |
| Credit loss provision to net charge-offs | 54.8780% | 3,936 |
| Earnings coverage of net charge-offs (x) | 3.0854% | 3,508 |
| Efficiency ratio | 91.8770% | 934 |
| Assets per employee ($millions) | 2.8117% | 6,385 |
| Cash dividends to net income (ytd only)* | 71.8391% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 5,424 |
| Loan loss allowance to noncurrent loans | 38.7324% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 3.5310% | 1,509 |
| Noncurrent loans to loans | 3.0580% | 1,923 |
| Net loans and leases to total assets | 77.5845% | 778 |
| Net loans and leases to deposits | 86.3118% | 1,561 |
| Net loans and leases to core deposits | 88.0212% | 2,208 |
| Total domestic deposits to total assets | 89.8887% | 987 |
| Equity capital to assets | 8.3207% | 6,359 |
| Core capital (leverage) ratio | 7.8702% | 6,394 |
| Tier 1 risk-based capital ratio | 12.4806% | 5,575 |
| Total risk-based capital ratio | 13.7341% | 5,556 |
| Memoranda: | ||
| Average total assets | $171,068,670 | 3,483 |
| Average earning assets | $156,986,000 | 3,481 |
| Average equity | $14,273,330 | 4,142 |
| Average total loans | $135,891,000 | 2,819 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9914% | 1,921 |
| Cost of funding earning assets | 0.5608% | 5,426 |
| Net interest margin | 4.4305% | 1,162 |
| Noninterest income to average assets | 0.3652% | 4,953 |
| Noninterest expense to average assets | 4.1347% | 798 |
| Loan and lease loss provision to assets | 0.0538% | 4,740 |
| Net operating income to assets | 0.2294% | 5,889 |
| Return on assets (ROA) | 0.2294% | 6,035 |
| Pretax return on assets | 0.2458% | 6,092 |
| Return on Equity (ROE) | 2.7462% | 5,811 |
| Retained earnings to average equity (ytd only) | 0.9808% | 5,680 |
| Net charge-offs to loans | -0.0029% | 5,741 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7635% | 957 |
| Assets per employee ($millions) | 2.6595% | 6,688 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 5,456 |
| Loan loss allowance to noncurrent loans | 62.7986% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.9741% | 2,940 |
| Noncurrent loans to loans | 1.9205% | 3,260 |
| Net loans and leases to total assets | 79.6984% | 436 |
| Net loans and leases to deposits | 89.0182% | 1,058 |
| Net loans and leases to core deposits | 91.1132% | 1,733 |
| Total domestic deposits to total assets | 89.5305% | 1,351 |
| Equity capital to assets | 8.3815% | 6,194 |
| Core capital (leverage) ratio | 7.8704% | 6,357 |
| Tier 1 risk-based capital ratio | 12.5945% | 5,525 |
| Total risk-based capital ratio | 13.8482% | 5,487 |
| Memoranda: | ||
| Average total assets | $170,847,500 | 3,505 |
| Average earning assets | $156,911,000 | 3,496 |
| Average equity | $14,274,500 | 4,142 |
| Average total loans | $136,506,000 | 2,834 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1032% | 2,443 |
| Cost of funding earning assets | 0.6611% | 5,760 |
| Net interest margin | 4.4420% | 1,284 |
| Noninterest income to average assets | 0.4592% | 4,150 |
| Noninterest expense to average assets | 4.1700% | 840 |
| Loan and lease loss provision to assets | 0.0544% | 5,912 |
| Net operating income to assets | 0.3212% | 5,187 |
| Return on assets (ROA) | 0.3212% | 5,335 |
| Pretax return on assets | 0.4132% | 5,250 |
| Return on Equity (ROE) | 3.7744% | 4,965 |
| Retained earnings to average equity (ytd only) | 1.9903% | 4,798 |
| Net charge-offs to loans | 0.0360% | 5,955 |
| Credit loss provision to net charge-offs | 187.5000% | 1,368 |
| Earnings coverage of net charge-offs (x) | 16.1042% | 1,354 |
| Efficiency ratio | 88.4425% | 1,324 |
| Assets per employee ($millions) | 2.7220% | 6,576 |
| Cash dividends to net income (ytd only)* | 47.2693% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 5,375 |
| Loan loss allowance to noncurrent loans | 66.8852% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 2.0025% | 2,956 |
| Noncurrent loans to loans | 1.7980% | 3,474 |
| Net loans and leases to total assets | 78.1814% | 690 |
| Net loans and leases to deposits | 88.4478% | 1,325 |
| Net loans and leases to core deposits | 90.6945% | 2,020 |
| Total domestic deposits to total assets | 88.3927% | 1,911 |
| Equity capital to assets | 8.3289% | 6,319 |
| Core capital (leverage) ratio | 7.7840% | 6,453 |
| Tier 1 risk-based capital ratio | 12.7253% | 5,291 |
| Total risk-based capital ratio | 13.9789% | 5,263 |
| Memoranda: | ||
| Average total assets | $165,298,000 | 3,567 |
| Average earning assets | $155,492,000 | 3,484 |
| Average equity | $14,068,400 | 4,094 |
| Average total loans | $133,280,200 | 2,934 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 2,591 |
| Cost of funding earning assets | 0.6703% | 5,932 |
| Net interest margin | 4.4328% | 1,310 |
| Noninterest income to average assets | 0.4845% | 4,005 |
| Noninterest expense to average assets | 4.2470% | 755 |
| Loan and lease loss provision to assets | 0.0554% | 5,751 |
| Net operating income to assets | 0.3118% | 5,354 |
| Return on assets (ROA) | 0.3118% | 5,527 |
| Pretax return on assets | 0.3819% | 5,523 |
| Return on Equity (ROE) | 3.6437% | 5,153 |
| Retained earnings to average equity (ytd only) | 1.8647% | 5,209 |
| Net charge-offs to loans | 0.0322% | 5,700 |
| Credit loss provision to net charge-offs | 212.5000% | 1,363 |
| Earnings coverage of net charge-offs (x) | 16.7795% | 1,380 |
| Efficiency ratio | 89.1882% | 1,226 |
| Assets per employee ($millions) | 2.8324% | 6,431 |
| Cash dividends to net income (ytd only)* | 48.8260% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 5,391 |
| Loan loss allowance to noncurrent loans | 81.8319% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.7254% | 3,510 |
| Noncurrent loans to loans | 1.4916% | 4,058 |
| Net loans and leases to total assets | 76.1610% | 954 |
| Net loans and leases to deposits | 84.5850% | 1,904 |
| Net loans and leases to core deposits | 86.6623% | 2,691 |
| Total domestic deposits to total assets | 90.0409% | 846 |
| Equity capital to assets | 8.2309% | 6,544 |
| Core capital (leverage) ratio | 7.8623% | 6,519 |
| Tier 1 risk-based capital ratio | 12.7578% | 5,283 |
| Total risk-based capital ratio | 14.0121% | 5,263 |
| Memoranda: | ||
| Average total assets | $163,750,750 | 3,612 |
| Average earning assets | $155,144,000 | 3,516 |
| Average equity | $14,014,750 | 4,121 |
| Average total loans | $132,674,500 | 2,961 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1752% | 2,361 |
| Cost of funding earning assets | 0.6781% | 6,080 |
| Net interest margin | 4.4971% | 1,140 |
| Noninterest income to average assets | 0.5076% | 3,799 |
| Noninterest expense to average assets | 4.3660% | 692 |
| Loan and lease loss provision to assets | 0.0560% | 5,618 |
| Net operating income to assets | 0.2924% | 5,396 |
| Return on assets (ROA) | 0.2924% | 5,537 |
| Pretax return on assets | 0.3434% | 5,565 |
| Return on Equity (ROE) | 3.3701% | 5,228 |
| Retained earnings to average equity (ytd only) | 1.5775% | 5,194 |
| Net charge-offs to loans | 0.0166% | 5,609 |
| Credit loss provision to net charge-offs | 409.0909% | 736 |
| Earnings coverage of net charge-offs (x) | 29.1818% | 944 |
| Efficiency ratio | 90.1567% | 1,229 |
| Assets per employee ($millions) | 2.7372% | 6,585 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 5,393 |
| Loan loss allowance to noncurrent loans | 103.8363% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.5575% | 3,855 |
| Noncurrent loans to loans | 1.1894% | 4,668 |
| Net loans and leases to total assets | 79.0774% | 641 |
| Net loans and leases to deposits | 88.5241% | 1,429 |
| Net loans and leases to core deposits | 90.8266% | 2,279 |
| Total domestic deposits to total assets | 89.3286% | 1,343 |
| Equity capital to assets | 8.5561% | 6,118 |
| Core capital (leverage) ratio | 7.9244% | 6,387 |
| Tier 1 risk-based capital ratio | 12.4797% | 5,368 |
| Total risk-based capital ratio | 13.7339% | 5,339 |
| Memoranda: | ||
| Average total assets | $160,742,330 | 3,676 |
| Average earning assets | $152,187,330 | 3,593 |
| Average equity | $13,946,000 | 4,133 |
| Average total loans | $132,494,670 | 2,994 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 2,344 |
| Cost of funding earning assets | 0.6850% | 6,224 |
| Net interest margin | 4.4867% | 1,100 |
| Noninterest income to average assets | 0.4730% | 4,095 |
| Noninterest expense to average assets | 4.3825% | 664 |
| Loan and lease loss provision to assets | 0.0553% | 5,313 |
| Net operating income to assets | 0.2642% | 5,565 |
| Return on assets (ROA) | 0.2642% | 5,627 |
| Pretax return on assets | 0.2868% | 5,696 |
| Return on Equity (ROE) | 3.0231% | 5,355 |
| Retained earnings to average equity (ytd only) | 1.2380% | 5,326 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2673% | 1,221 |
| Assets per employee ($millions) | 2.5916% | 6,857 |
| Cash dividends to net income (ytd only)* | 59.0476% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 5,529 |
| Loan loss allowance to noncurrent loans | 84.1775% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.7389% | 3,653 |
| Noncurrent loans to loans | 1.4491% | 4,296 |
| Net loans and leases to total assets | 81.2422% | 423 |
| Net loans and leases to deposits | 91.9859% | 1,023 |
| Net loans and leases to core deposits | 94.2854% | 1,852 |
| Total domestic deposits to total assets | 88.3203% | 2,183 |
| Equity capital to assets | 8.6632% | 5,699 |
| Core capital (leverage) ratio | 7.9662% | 6,296 |
| Tier 1 risk-based capital ratio | 12.4539% | 5,306 |
| Total risk-based capital ratio | 13.7083% | 5,281 |
| Memoranda: | ||
| Average total assets | $158,996,500 | 3,723 |
| Average earning assets | $150,666,000 | 3,625 |
| Average equity | $13,893,000 | 4,125 |
| Average total loans | $132,994,000 | 3,021 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6103% | 1,854 |
| Cost of funding earning assets | 0.8172% | 6,491 |
| Net interest margin | 4.7931% | 669 |
| Noninterest income to average assets | 0.4560% | 4,474 |
| Noninterest expense to average assets | 4.4226% | 702 |
| Loan and lease loss provision to assets | 0.0568% | 6,571 |
| Net operating income to assets | 0.3189% | 4,870 |
| Return on assets (ROA) | 0.3189% | 5,034 |
| Pretax return on assets | 0.4143% | 4,902 |
| Return on Equity (ROE) | 3.6401% | 4,677 |
| Retained earnings to average equity (ytd only) | 1.8164% | 4,594 |
| Net charge-offs to loans | 0.0729% | 6,067 |
| Credit loss provision to net charge-offs | 91.8367% | 5,050 |
| Earnings coverage of net charge-offs (x) | 7.6122% | 2,102 |
| Efficiency ratio | 88.9276% | 1,397 |
| Assets per employee ($millions) | 2.5373% | 6,950 |
| Cash dividends to net income (ytd only)* | 50.0990% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 5,576 |
| Loan loss allowance to noncurrent loans | 43.4545% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 2.9629% | 2,377 |
| Noncurrent loans to loans | 2.7339% | 2,788 |
| Net loans and leases to total assets | 84.0655% | 302 |
| Net loans and leases to deposits | 95.5128% | 911 |
| Net loans and leases to core deposits | 97.9760% | 1,802 |
| Total domestic deposits to total assets | 88.0150% | 2,244 |
| Equity capital to assets | 8.8143% | 5,412 |
| Core capital (leverage) ratio | 8.0269% | 6,158 |
| Tier 1 risk-based capital ratio | 12.2373% | 5,270 |
| Total risk-based capital ratio | 13.4722% | 5,244 |
| Memoranda: | ||
| Average total assets | $158,346,800 | 3,729 |
| Average earning assets | $146,606,000 | 3,694 |
| Average equity | $13,873,400 | 4,167 |
| Average total loans | $134,404,000 | 3,045 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6191% | 1,997 |
| Cost of funding earning assets | 0.8527% | 6,572 |
| Net interest margin | 4.7664% | 723 |
| Noninterest income to average assets | 0.4590% | 4,492 |
| Noninterest expense to average assets | 4.4201% | 653 |
| Loan and lease loss provision to assets | 0.0572% | 6,495 |
| Net operating income to assets | 0.2942% | 5,188 |
| Return on assets (ROA) | 0.2942% | 5,360 |
| Pretax return on assets | 0.3707% | 5,310 |
| Return on Equity (ROE) | 3.3633% | 5,071 |
| Retained earnings to average equity (ytd only) | 1.5182% | 5,193 |
| Net charge-offs to loans | 0.0059% | 6,583 |
| Credit loss provision to net charge-offs | 1,133.3333% | 255 |
| Earnings coverage of net charge-offs (x) | 84.8313% | 365 |
| Efficiency ratio | 91.1739% | 1,198 |
| Assets per employee ($millions) | 2.5578% | 7,002 |
| Cash dividends to net income (ytd only)* | 54.8558% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 5,383 |
| Loan loss allowance to noncurrent loans | 37.8218% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 3.1434% | 2,288 |
| Noncurrent loans to loans | 3.2278% | 2,459 |
| Net loans and leases to total assets | 84.6958% | 284 |
| Net loans and leases to deposits | 95.8297% | 999 |
| Net loans and leases to core deposits | 104.8296% | 1,411 |
| Total domestic deposits to total assets | 88.3816% | 1,741 |
| Equity capital to assets | 8.7871% | 5,878 |
| Core capital (leverage) ratio | 7.9508% | 6,417 |
| Tier 1 risk-based capital ratio | 12.2263% | 5,242 |
| Total risk-based capital ratio | 13.4549% | 5,236 |
| Memoranda: | ||
| Average total assets | $158,605,250 | 3,785 |
| Average earning assets | $146,046,750 | 3,749 |
| Average equity | $13,875,250 | 4,230 |
| Average total loans | $134,546,000 | 3,086 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6285% | 2,030 |
| Cost of funding earning assets | 0.9003% | 6,578 |
| Net interest margin | 4.7282% | 774 |
| Noninterest income to average assets | 0.4577% | 4,458 |
| Noninterest expense to average assets | 4.2809% | 739 |
| Loan and lease loss provision to assets | 0.0567% | 6,387 |
| Net operating income to assets | 0.3266% | 5,079 |
| Return on assets (ROA) | 0.3266% | 5,241 |
| Pretax return on assets | 0.4312% | 5,118 |
| Return on Equity (ROE) | 3.7386% | 4,906 |
| Retained earnings to average equity (ytd only) | 1.8910% | 4,923 |
| Net charge-offs to loans | 0.0060% | 6,287 |
| Credit loss provision to net charge-offs | 1,125.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 96.7500% | 339 |
| Efficiency ratio | 89.7673% | 1,351 |
| Assets per employee ($millions) | 2.6171% | 6,919 |
| Cash dividends to net income (ytd only)* | 49.4208% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 5,411 |
| Loan loss allowance to noncurrent loans | 38.5919% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 3.7070% | 1,888 |
| Noncurrent loans to loans | 3.1299% | 2,565 |
| Net loans and leases to total assets | 83.9683% | 356 |
| Net loans and leases to deposits | 95.9900% | 1,050 |
| Net loans and leases to core deposits | 103.4575% | 1,688 |
| Total domestic deposits to total assets | 87.4760% | 2,266 |
| Equity capital to assets | 8.7193% | 5,857 |
| Core capital (leverage) ratio | 8.0119% | 6,259 |
| Tier 1 risk-based capital ratio | 11.1034% | 6,139 |
| Total risk-based capital ratio | 12.3275% | 6,146 |
| Memoranda: | ||
| Average total assets | $158,612,330 | 3,815 |
| Average earning assets | $144,620,670 | 3,805 |
| Average equity | $13,855,330 | 4,231 |
| Average total loans | $134,070,000 | 3,121 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7628% | 1,584 |
| Cost of funding earning assets | 0.9562% | 6,552 |
| Net interest margin | 4.8065% | 634 |
| Noninterest income to average assets | 0.4681% | 4,318 |
| Noninterest expense to average assets | 4.0887% | 914 |
| Loan and lease loss provision to assets | 0.0582% | 6,068 |
| Net operating income to assets | 0.4655% | 4,550 |
| Return on assets (ROA) | 0.4655% | 4,683 |
| Pretax return on assets | 0.6452% | 4,434 |
| Return on Equity (ROE) | 5.3245% | 4,197 |
| Retained earnings to average equity (ytd only) | 3.4725% | 4,064 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3221% | 1,872 |
| Assets per employee ($millions) | 2.5696% | 7,096 |
| Cash dividends to net income (ytd only)* | 34.7826% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 5,415 |
| Loan loss allowance to noncurrent loans | 75.5007% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.6957% | 3,935 |
| Noncurrent loans to loans | 1.6122% | 4,327 |
| Net loans and leases to total assets | 83.9264% | 380 |
| Net loans and leases to deposits | 95.8038% | 1,133 |
| Net loans and leases to core deposits | 106.6113% | 1,529 |
| Total domestic deposits to total assets | 87.6024% | 2,299 |
| Equity capital to assets | 8.8614% | 5,459 |
| Core capital (leverage) ratio | 8.0101% | 6,227 |
| Tier 1 risk-based capital ratio | 11.4802% | 5,690 |
| Total risk-based capital ratio | 12.7334% | 5,678 |
| Memoranda: | ||
| Average total assets | $158,095,500 | 3,881 |
| Average earning assets | $142,223,500 | 3,914 |
| Average equity | $13,823,000 | 4,279 |
| Average total loans | $133,259,500 | 3,200 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8015% | 2,646 |
| Cost of funding earning assets | 1.3081% | 6,280 |
| Net interest margin | 4.4934% | 1,191 |
| Noninterest income to average assets | 0.4659% | 4,677 |
| Noninterest expense to average assets | 4.3504% | 934 |
| Loan and lease loss provision to assets | 0.0572% | 6,992 |
| Net operating income to assets | 0.1457% | 5,062 |
| Return on assets (ROA) | 0.1761% | 5,045 |
| Pretax return on assets | 0.1920% | 5,025 |
| Return on Equity (ROE) | 2.0108% | 4,897 |
| Retained earnings to average equity (ytd only) | -0.1234% | 4,967 |
| Net charge-offs to loans | 0.0451% | 6,655 |
| Credit loss provision to net charge-offs | 155.1724% | 2,930 |
| Earnings coverage of net charge-offs (x) | 5.8621% | 2,484 |
| Efficiency ratio | 95.2673% | 1,337 |
| Assets per employee ($millions) | 2.5717% | 7,085 |
| Cash dividends to net income (ytd only)* | 106.1372% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 5,369 |
| Loan loss allowance to noncurrent loans | 189.5611% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 5,756 |
| Noncurrent loans to loans | 0.6322% | 5,972 |
| Net loans and leases to total assets | 82.6295% | 589 |
| Net loans and leases to deposits | 94.5243% | 1,527 |
| Net loans and leases to core deposits | 106.8005% | 3,241 |
| Total domestic deposits to total assets | 87.4162% | 2,259 |
| Equity capital to assets | 8.6275% | 5,697 |
| Core capital (leverage) ratio | 7.8434% | 6,397 |
| Tier 1 risk-based capital ratio | 11.3246% | 5,591 |
| Total risk-based capital ratio | 12.5770% | 5,532 |
| Memoranda: | ||
| Average total assets | $157,318,800 | 3,825 |
| Average earning assets | $143,566,400 | 3,826 |
| Average equity | $13,775,600 | 4,320 |
| Average total loans | $128,608,200 | 3,294 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7659% | 3,040 |
| Cost of funding earning assets | 1.3933% | 6,256 |
| Net interest margin | 4.3727% | 1,518 |
| Noninterest income to average assets | 0.4847% | 4,625 |
| Noninterest expense to average assets | 4.2842% | 930 |
| Loan and lease loss provision to assets | 0.0578% | 6,783 |
| Net operating income to assets | 0.1443% | 5,337 |
| Return on assets (ROA) | 0.1709% | 5,315 |
| Pretax return on assets | 0.1794% | 5,340 |
| Return on Equity (ROE) | 1.9447% | 5,186 |
| Retained earnings to average equity (ytd only) | -0.2806% | 5,280 |
| Net charge-offs to loans | 0.0387% | 6,370 |
| Credit loss provision to net charge-offs | 183.7838% | 2,484 |
| Earnings coverage of net charge-offs (x) | 6.6489% | 2,559 |
| Efficiency ratio | 95.3444% | 1,313 |
| Assets per employee ($millions) | 2.5615% | 7,126 |
| Cash dividends to net income (ytd only)* | 114.4296% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 4,859 |
| Loan loss allowance to noncurrent loans | 64.3433% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.7140% | 3,804 |
| Noncurrent loans to loans | 1.9375% | 3,721 |
| Net loans and leases to total assets | 79.6596% | 1,243 |
| Net loans and leases to deposits | 90.9587% | 2,400 |
| Net loans and leases to core deposits | 103.2280% | 4,031 |
| Total domestic deposits to total assets | 87.5778% | 1,854 |
| Equity capital to assets | 8.6788% | 5,991 |
| Core capital (leverage) ratio | 7.7930% | 6,614 |
| Tier 1 risk-based capital ratio | 11.2901% | 5,645 |
| Total risk-based capital ratio | 12.5421% | 5,586 |
| Memoranda: | ||
| Average total assets | $156,787,750 | 3,860 |
| Average earning assets | $143,737,250 | 3,843 |
| Average equity | $13,780,500 | 4,338 |
| Average total loans | $127,424,000 | 3,350 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7152% | 3,454 |
| Cost of funding earning assets | 1.4319% | 6,372 |
| Net interest margin | 4.2833% | 1,692 |
| Noninterest income to average assets | 0.5009% | 4,436 |
| Noninterest expense to average assets | 4.2046% | 1,067 |
| Loan and lease loss provision to assets | 0.0577% | 6,643 |
| Net operating income to assets | 0.1456% | 5,430 |
| Return on assets (ROA) | 0.1832% | 5,407 |
| Pretax return on assets | 0.2050% | 5,456 |
| Return on Equity (ROE) | 2.0755% | 5,272 |
| Retained earnings to average equity (ytd only) | -0.1597% | 5,258 |
| Net charge-offs to loans | 0.0708% | 5,518 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 3.8222% | 3,301 |
| Efficiency ratio | 95.0203% | 1,439 |
| Assets per employee ($millions) | 2.5891% | 7,077 |
| Cash dividends to net income (ytd only)* | 107.6923% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 4,896 |
| Loan loss allowance to noncurrent loans | 75.1079% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.4957% | 3,992 |
| Noncurrent loans to loans | 1.6041% | 4,092 |
| Net loans and leases to total assets | 79.9940% | 1,313 |
| Net loans and leases to deposits | 93.2278% | 2,231 |
| Net loans and leases to core deposits | 106.9788% | 3,724 |
| Total domestic deposits to total assets | 85.8049% | 2,880 |
| Equity capital to assets | 8.5643% | 5,950 |
| Core capital (leverage) ratio | 7.8066% | 6,605 |
| Tier 1 risk-based capital ratio | 10.8645% | 6,017 |
| Total risk-based capital ratio | 12.1157% | 5,956 |
| Memoranda: | ||
| Average total assets | $156,113,000 | 3,897 |
| Average earning assets | $143,022,000 | 3,876 |
| Average equity | $13,779,670 | 4,361 |
| Average total loans | $127,196,670 | 3,395 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6476% | 4,062 |
| Cost of funding earning assets | 1.4398% | 6,613 |
| Net interest margin | 4.2078% | 1,868 |
| Noninterest income to average assets | 0.4834% | 4,471 |
| Noninterest expense to average assets | 4.0882% | 1,079 |
| Loan and lease loss provision to assets | 0.0572% | 6,243 |
| Net operating income to assets | 0.2209% | 5,599 |
| Return on assets (ROA) | 0.2209% | 5,757 |
| Pretax return on assets | 0.2573% | 5,795 |
| Return on Equity (ROE) | 2.4646% | 5,590 |
| Retained earnings to average equity (ytd only) | 0.2320% | 5,566 |
| Net charge-offs to loans | 0.0541% | 4,712 |
| Credit loss provision to net charge-offs | 129.4118% | 3,097 |
| Earnings coverage of net charge-offs (x) | 7.1176% | 2,391 |
| Efficiency ratio | 92.8571% | 1,512 |
| Assets per employee ($millions) | 2.5765% | 7,138 |
| Cash dividends to net income (ytd only)* | 90.5882% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 4,492 |
| Loan loss allowance to noncurrent loans | 61.7046% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.8350% | 3,164 |
| Noncurrent loans to loans | 2.0173% | 3,242 |
| Net loans and leases to total assets | 79.3031% | 1,519 |
| Net loans and leases to deposits | 98.8539% | 1,552 |
| Net loans and leases to core deposits | 114.3418% | 2,976 |
| Total domestic deposits to total assets | 80.2226% | 5,276 |
| Equity capital to assets | 8.7838% | 5,648 |
| Core capital (leverage) ratio | 8.7900% | 5,009 |
| Tier 1 risk-based capital ratio | 12.6561% | 4,429 |
| Total risk-based capital ratio | 13.9086% | 4,347 |
| Memoranda: | ||
| Average total assets | $153,906,000 | 3,944 |
| Average earning assets | $143,353,000 | 3,888 |
| Average equity | $13,795,500 | 4,381 |
| Average total loans | $125,806,000 | 3,448 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5621% | 2,658 |
| Cost of funding earning assets | 1.5770% | 7,491 |
| Net interest margin | 4.9852% | 532 |
| Noninterest income to average assets | 0.4873% | 4,722 |
| Noninterest expense to average assets | 4.5804% | 825 |
| Loan and lease loss provision to assets | 0.1055% | 6,023 |
| Net operating income to assets | 0.3673% | 5,283 |
| Return on assets (ROA) | 0.3673% | 5,083 |
| Pretax return on assets | 0.4778% | 5,043 |
| Return on Equity (ROE) | 3.7790% | 4,903 |
| Retained earnings to average equity (ytd only) | 1.4742% | 4,340 |
| Net charge-offs to loans | -0.0061% | 7,801 |
| Credit loss provision to net charge-offs | -2,071.4286% | 7,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7042% | 1,616 |
| Assets per employee ($millions) | 2.5534% | 7,104 |
| Cash dividends to net income (ytd only)* | 60.9901% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 4,160 |
| Loan loss allowance to noncurrent loans | 186.4286% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 5,075 |
| Noncurrent loans to loans | 0.6698% | 5,356 |
| Net loans and leases to total assets | 82.2042% | 1,191 |
| Net loans and leases to deposits | 103.9572% | 1,346 |
| Net loans and leases to core deposits | 117.1243% | 2,991 |
| Total domestic deposits to total assets | 79.0751% | 5,352 |
| Equity capital to assets | 9.1511% | 5,149 |
| Core capital (leverage) ratio | 9.4757% | 4,043 |
| Tier 1 risk-based capital ratio | 12.7823% | 4,238 |
| Total risk-based capital ratio | 14.0347% | 4,156 |
| Memoranda: | ||
| Average total assets | $137,498,200 | 4,130 |
| Average earning assets | $128,982,800 | 4,062 |
| Average equity | $13,363,200 | 4,482 |
| Average total loans | $115,590,400 | 3,551 |