Home > Town and Country Bank > Performance and Condition Ratios
Town and Country Bank, Performance and Condition Ratios
| 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 | 3.4606% | 6,398 |
| Cost of funding earning assets | 0.2309% | 6,747 |
| Net interest margin | 3.2297% | 5,495 |
| Noninterest income to average assets | 1.3241% | 880 |
| Noninterest expense to average assets | 3.0699% | 3,014 |
| Loan and lease loss provision to assets | 0.0661% | 4,928 |
| Net operating income to assets | 1.2121% | 1,563 |
| Return on assets (ROA) | 1.3028% | 1,435 |
| Pretax return on assets | 1.3028% | 2,384 |
| Return on Equity (ROE) | 12.3076% | 1,410 |
| Retained earnings to average equity (ytd only) | 7.6399% | 1,262 |
| Net charge-offs to loans | 0.0142% | 5,713 |
| Credit loss provision to net charge-offs | 1,245.4545% | 205 |
| Earnings coverage of net charge-offs (x) | 240.8182% | 171 |
| Efficiency ratio | 70.4250% | 3,727 |
| Assets per employee ($millions) | 3.5588% | 4,885 |
| Cash dividends to net income (ytd only)* | 37.9259% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9304% | 2,197 |
| Loan loss allowance to noncurrent loans | 1,715.5556% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 6,543 |
| Noncurrent loans to loans | 0.1125% | 6,208 |
| Net loans and leases to total assets | 35.5499% | 6,461 |
| Net loans and leases to deposits | 39.7355% | 6,568 |
| Net loans and leases to core deposits | 40.8303% | 6,589 |
| Total domestic deposits to total assets | 89.4663% | 1,266 |
| Equity capital to assets | 10.3003% | 3,759 |
| Core capital (leverage) ratio | 9.3969% | 4,258 |
| Tier 1 risk-based capital ratio | 21.6641% | 1,329 |
| Total risk-based capital ratio | 22.9199% | 1,302 |
| Memoranda: | ||
| Average total assets | $207,239,600 | 2,958 |
| Average earning assets | $194,041,800 | 2,910 |
| Average equity | $21,937,600 | 2,976 |
| Average total loans | $77,246,600 | 4,115 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5342% | 6,468 |
| Cost of funding earning assets | 0.2336% | 6,870 |
| Net interest margin | 3.3006% | 5,393 |
| Noninterest income to average assets | 1.3262% | 839 |
| Noninterest expense to average assets | 3.0735% | 2,965 |
| Loan and lease loss provision to assets | 0.0844% | 4,558 |
| Net operating income to assets | 1.2634% | 1,532 |
| Return on assets (ROA) | 1.3785% | 1,404 |
| Pretax return on assets | 1.3785% | 2,310 |
| Return on Equity (ROE) | 12.9281% | 1,356 |
| Retained earnings to average equity (ytd only) | 7.7642% | 1,719 |
| Net charge-offs to loans | -0.0157% | 6,445 |
| Credit loss provision to net charge-offs | -1,433.3333% | 6,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2797% | 3,820 |
| Assets per employee ($millions) | 3.3882% | 5,240 |
| Cash dividends to net income (ytd only)* | 39.9431% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0072% | 2,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 36.1608% | 6,539 |
| Net loans and leases to deposits | 40.7623% | 6,651 |
| Net loans and leases to core deposits | 41.7187% | 6,678 |
| Total domestic deposits to total assets | 88.7114% | 1,594 |
| Equity capital to assets | 10.8392% | 3,455 |
| Core capital (leverage) ratio | 9.6416% | 4,057 |
| Tier 1 risk-based capital ratio | 21.9903% | 1,333 |
| Total risk-based capital ratio | 23.2469% | 1,305 |
| Memoranda: | ||
| Average total assets | $203,888,250 | 3,029 |
| Average earning assets | $191,192,750 | 2,976 |
| Average equity | $21,740,250 | 3,033 |
| Average total loans | $76,562,500 | 4,186 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5870% | 6,503 |
| Cost of funding earning assets | 0.2348% | 6,958 |
| Net interest margin | 3.3523% | 5,264 |
| Noninterest income to average assets | 1.3170% | 819 |
| Noninterest expense to average assets | 3.1026% | 2,921 |
| Loan and lease loss provision to assets | 0.0614% | 4,878 |
| Net operating income to assets | 1.2942% | 1,458 |
| Return on assets (ROA) | 1.3665% | 1,428 |
| Pretax return on assets | 1.3665% | 2,332 |
| Return on Equity (ROE) | 12.8897% | 1,389 |
| Retained earnings to average equity (ytd only) | 7.0384% | 2,080 |
| Net charge-offs to loans | -0.0210% | 6,438 |
| Credit loss provision to net charge-offs | -775.0000% | 6,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2376% | 3,889 |
| Assets per employee ($millions) | 3.3784% | 5,255 |
| Cash dividends to net income (ytd only)* | 45.3952% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9378% | 2,424 |
| Loan loss allowance to noncurrent loans | 148,800.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 6,592 |
| Noncurrent loans to loans | 0.0013% | 6,734 |
| Net loans and leases to total assets | 36.5393% | 6,580 |
| Net loans and leases to deposits | 41.0417% | 6,697 |
| Net loans and leases to core deposits | 42.0182% | 6,732 |
| Total domestic deposits to total assets | 89.0298% | 1,482 |
| Equity capital to assets | 10.5811% | 3,589 |
| Core capital (leverage) ratio | 9.5222% | 4,114 |
| Tier 1 risk-based capital ratio | 21.4321% | 1,402 |
| Total risk-based capital ratio | 22.6883% | 1,374 |
| Memoranda: | ||
| Average total assets | $201,827,670 | 3,062 |
| Average earning assets | $189,126,330 | 3,008 |
| Average equity | $21,397,000 | 3,060 |
| Average total loans | $76,243,670 | 4,211 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6648% | 6,491 |
| Cost of funding earning assets | 0.2439% | 7,019 |
| Net interest margin | 3.4210% | 5,025 |
| Noninterest income to average assets | 1.2719% | 876 |
| Noninterest expense to average assets | 3.1087% | 2,892 |
| Loan and lease loss provision to assets | 0.0901% | 4,228 |
| Net operating income to assets | 1.2759% | 1,515 |
| Return on assets (ROA) | 1.4221% | 1,321 |
| Pretax return on assets | 1.4221% | 2,112 |
| Return on Equity (ROE) | 13.4010% | 1,304 |
| Retained earnings to average equity (ytd only) | 8.1538% | 1,924 |
| Net charge-offs to loans | -0.0105% | 5,963 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9346% | 3,989 |
| Assets per employee ($millions) | 3.5157% | 5,081 |
| Cash dividends to net income (ytd only)* | 39.1549% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9256% | 2,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 6,671 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 36.5913% | 6,586 |
| Net loans and leases to deposits | 40.9886% | 6,703 |
| Net loans and leases to core deposits | 41.9701% | 6,749 |
| Total domestic deposits to total assets | 89.2718% | 1,497 |
| Equity capital to assets | 10.4437% | 3,561 |
| Core capital (leverage) ratio | 9.5410% | 3,993 |
| Tier 1 risk-based capital ratio | 21.3138% | 1,420 |
| Total risk-based capital ratio | 22.5688% | 1,396 |
| Memoranda: | ||
| Average total assets | $199,699,000 | 3,105 |
| Average earning assets | $186,965,500 | 3,054 |
| Average equity | $21,192,500 | 3,087 |
| Average total loans | $75,970,500 | 4,241 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9190% | 6,585 |
| Cost of funding earning assets | 0.3518% | 7,008 |
| Net interest margin | 3.5672% | 4,859 |
| Noninterest income to average assets | 1.3679% | 686 |
| Noninterest expense to average assets | 3.2370% | 2,739 |
| Loan and lease loss provision to assets | 0.1533% | 4,706 |
| Net operating income to assets | 1.3065% | 1,230 |
| Return on assets (ROA) | 1.3536% | 1,223 |
| Pretax return on assets | 1.3536% | 1,937 |
| Return on Equity (ROE) | 13.5142% | 1,044 |
| Retained earnings to average equity (ytd only) | 9.2118% | 746 |
| Net charge-offs to loans | 0.1220% | 5,167 |
| Credit loss provision to net charge-offs | 305.2632% | 761 |
| Earnings coverage of net charge-offs (x) | 29.0632% | 862 |
| Efficiency ratio | 68.3665% | 4,287 |
| Assets per employee ($millions) | 3.3133% | 5,471 |
| Cash dividends to net income (ytd only)* | 31.8359% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8692% | 2,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 6,731 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 38.0815% | 6,645 |
| Net loans and leases to deposits | 42.8936% | 6,768 |
| Net loans and leases to core deposits | 43.8959% | 6,817 |
| Total domestic deposits to total assets | 88.7813% | 1,669 |
| Equity capital to assets | 10.7880% | 3,209 |
| Core capital (leverage) ratio | 9.5107% | 4,010 |
| Tier 1 risk-based capital ratio | 20.9891% | 1,413 |
| Total risk-based capital ratio | 22.2445% | 1,392 |
| Memoranda: | ||
| Average total assets | $189,125,600 | 3,194 |
| Average earning assets | $176,499,000 | 3,136 |
| Average equity | $18,943,000 | 3,289 |
| Average total loans | $77,837,000 | 4,217 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 6,635 |
| Cost of funding earning assets | 0.3779% | 7,067 |
| Net interest margin | 3.5903% | 4,811 |
| Noninterest income to average assets | 1.3650% | 704 |
| Noninterest expense to average assets | 3.2469% | 2,670 |
| Loan and lease loss provision to assets | 0.1600% | 4,463 |
| Net operating income to assets | 1.3082% | 1,356 |
| Return on assets (ROA) | 1.3366% | 1,382 |
| Pretax return on assets | 1.3366% | 2,162 |
| Return on Equity (ROE) | 13.6180% | 1,136 |
| Retained earnings to average equity (ytd only) | 7.7144% | 1,620 |
| Net charge-offs to loans | 0.1362% | 4,694 |
| Credit loss provision to net charge-offs | 281.2500% | 1,021 |
| Earnings coverage of net charge-offs (x) | 25.8134% | 1,036 |
| Efficiency ratio | 68.3052% | 4,258 |
| Assets per employee ($millions) | 3.2479% | 5,577 |
| Cash dividends to net income (ytd only)* | 43.3512% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8044% | 2,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 6,833 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 38.2037% | 6,763 |
| Net loans and leases to deposits | 42.9412% | 6,876 |
| Net loans and leases to core deposits | 43.9335% | 6,923 |
| Total domestic deposits to total assets | 88.9676% | 1,446 |
| Equity capital to assets | 10.5860% | 3,594 |
| Core capital (leverage) ratio | 9.2262% | 4,578 |
| Tier 1 risk-based capital ratio | 20.2109% | 1,636 |
| Total risk-based capital ratio | 21.4657% | 1,600 |
| Memoranda: | ||
| Average total assets | $187,535,500 | 3,238 |
| Average earning assets | $174,988,000 | 3,172 |
| Average equity | $18,406,500 | 3,377 |
| Average total loans | $78,330,750 | 4,233 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 6,639 |
| Cost of funding earning assets | 0.4023% | 7,119 |
| Net interest margin | 3.6114% | 4,677 |
| Noninterest income to average assets | 1.3550% | 695 |
| Noninterest expense to average assets | 3.3097% | 2,520 |
| Loan and lease loss provision to assets | 0.1621% | 4,302 |
| Net operating income to assets | 1.2491% | 1,445 |
| Return on assets (ROA) | 1.2632% | 1,477 |
| Pretax return on assets | 1.2632% | 2,261 |
| Return on Equity (ROE) | 13.2347% | 1,150 |
| Retained earnings to average equity (ytd only) | 6.5098% | 2,137 |
| Net charge-offs to loans | 0.1996% | 3,950 |
| Credit loss provision to net charge-offs | 189.8734% | 1,593 |
| Earnings coverage of net charge-offs (x) | 16.5316% | 1,336 |
| Efficiency ratio | 69.5354% | 4,196 |
| Assets per employee ($millions) | 3.1707% | 5,698 |
| Cash dividends to net income (ytd only)* | 50.8127% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 3,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 6,868 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 40.4495% | 6,712 |
| Net loans and leases to deposits | 45.1165% | 6,875 |
| Net loans and leases to core deposits | 46.1742% | 6,929 |
| Total domestic deposits to total assets | 89.6558% | 1,147 |
| Equity capital to assets | 9.9379% | 4,237 |
| Core capital (leverage) ratio | 9.1980% | 4,407 |
| Tier 1 risk-based capital ratio | 19.6220% | 1,687 |
| Total risk-based capital ratio | 20.8759% | 1,659 |
| Memoranda: | ||
| Average total assets | $185,090,330 | 3,297 |
| Average earning assets | $172,510,000 | 3,235 |
| Average equity | $17,665,670 | 3,469 |
| Average total loans | $79,169,000 | 4,249 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0304% | 6,633 |
| Cost of funding earning assets | 0.4256% | 7,169 |
| Net interest margin | 3.6048% | 4,549 |
| Noninterest income to average assets | 1.3040% | 751 |
| Noninterest expense to average assets | 3.3444% | 2,423 |
| Loan and lease loss provision to assets | 0.1644% | 3,986 |
| Net operating income to assets | 1.1550% | 1,650 |
| Return on assets (ROA) | 1.1835% | 1,612 |
| Pretax return on assets | 1.1835% | 2,437 |
| Return on Equity (ROE) | 12.6720% | 1,280 |
| Retained earnings to average equity (ytd only) | 6.5237% | 2,362 |
| Net charge-offs to loans | 0.4270% | 2,414 |
| Credit loss provision to net charge-offs | 88.2353% | 2,967 |
| Earnings coverage of net charge-offs (x) | 7.0824% | 1,999 |
| Efficiency ratio | 71.1466% | 4,022 |
| Assets per employee ($millions) | 3.1687% | 5,799 |
| Cash dividends to net income (ytd only)* | 48.5185% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 3,908 |
| Loan loss allowance to noncurrent loans | 693.1429% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 6,929 |
| Noncurrent loans to loans | 0.2254% | 6,530 |
| Net loans and leases to total assets | 41.5934% | 6,659 |
| Net loans and leases to deposits | 46.1333% | 6,836 |
| Net loans and leases to core deposits | 47.0239% | 6,926 |
| Total domestic deposits to total assets | 90.1591% | 1,053 |
| Equity capital to assets | 9.4823% | 4,461 |
| Core capital (leverage) ratio | 9.3162% | 4,105 |
| Tier 1 risk-based capital ratio | 19.7027% | 1,646 |
| Total risk-based capital ratio | 20.9555% | 1,621 |
| Memoranda: | ||
| Average total assets | $182,514,500 | 3,362 |
| Average earning assets | $170,108,500 | 3,300 |
| Average equity | $17,045,500 | 3,554 |
| Average total loans | $79,630,500 | 4,265 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 6,635 |
| Cost of funding earning assets | 0.5396% | 7,243 |
| Net interest margin | 3.8484% | 3,739 |
| Noninterest income to average assets | 1.2367% | 984 |
| Noninterest expense to average assets | 3.4831% | 2,223 |
| Loan and lease loss provision to assets | 0.0837% | 6,314 |
| Net operating income to assets | 1.2274% | 1,352 |
| Return on assets (ROA) | 1.3694% | 1,083 |
| Pretax return on assets | 1.3694% | 1,740 |
| Return on Equity (ROE) | 14.0787% | 866 |
| Retained earnings to average equity (ytd only) | 9.7815% | 556 |
| Net charge-offs to loans | 0.0151% | 6,674 |
| Credit loss provision to net charge-offs | 1,208.3333% | 188 |
| Earnings coverage of net charge-offs (x) | 189.2500% | 137 |
| Efficiency ratio | 72.0617% | 3,783 |
| Assets per employee ($millions) | 3.1797% | 5,717 |
| Cash dividends to net income (ytd only)* | 30.5228% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 4,020 |
| Loan loss allowance to noncurrent loans | 529.4372% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 6,922 |
| Noncurrent loans to loans | 0.2831% | 6,490 |
| Net loans and leases to total assets | 44.3505% | 6,685 |
| Net loans and leases to deposits | 49.0655% | 6,901 |
| Net loans and leases to core deposits | 49.9063% | 6,980 |
| Total domestic deposits to total assets | 90.3904% | 893 |
| Equity capital to assets | 9.1942% | 4,850 |
| Core capital (leverage) ratio | 9.1500% | 4,261 |
| Tier 1 risk-based capital ratio | 18.7032% | 1,787 |
| Total risk-based capital ratio | 19.9548% | 1,759 |
| Memoranda: | ||
| Average total assets | $173,209,600 | 3,481 |
| Average earning assets | $160,119,000 | 3,450 |
| Average equity | $16,848,200 | 3,620 |
| Average total loans | $79,375,000 | 4,358 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 6,830 |
| Cost of funding earning assets | 0.5555% | 7,374 |
| Net interest margin | 3.8339% | 3,823 |
| Noninterest income to average assets | 1.2056% | 956 |
| Noninterest expense to average assets | 3.5451% | 1,923 |
| Loan and lease loss provision to assets | 0.0896% | 6,150 |
| Net operating income to assets | 1.1074% | 1,861 |
| Return on assets (ROA) | 1.2788% | 1,469 |
| Pretax return on assets | 1.2788% | 2,235 |
| Return on Equity (ROE) | 12.9587% | 1,261 |
| Retained earnings to average equity (ytd only) | 7.2449% | 1,730 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1501% | 3,303 |
| Assets per employee ($millions) | 3.1648% | 5,765 |
| Cash dividends to net income (ytd only)* | 44.0926% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 4,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 44.2662% | 6,820 |
| Net loans and leases to deposits | 49.4415% | 7,026 |
| Net loans and leases to core deposits | 50.2204% | 7,116 |
| Total domestic deposits to total assets | 89.5324% | 1,107 |
| Equity capital to assets | 9.9692% | 4,197 |
| Core capital (leverage) ratio | 8.9340% | 4,791 |
| Tier 1 risk-based capital ratio | 18.0910% | 2,003 |
| Total risk-based capital ratio | 19.3434% | 1,957 |
| Memoranda: | ||
| Average total assets | $171,200,750 | 3,551 |
| Average earning assets | $157,921,500 | 3,533 |
| Average equity | $16,894,250 | 3,656 |
| Average total loans | $78,817,250 | 4,440 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 6,921 |
| Cost of funding earning assets | 0.5526% | 7,480 |
| Net interest margin | 3.8369% | 3,726 |
| Noninterest income to average assets | 1.1907% | 912 |
| Noninterest expense to average assets | 3.6589% | 1,649 |
| Loan and lease loss provision to assets | 0.0833% | 6,097 |
| Net operating income to assets | 0.9754% | 2,279 |
| Return on assets (ROA) | 1.0896% | 1,959 |
| Pretax return on assets | 1.0896% | 2,811 |
| Return on Equity (ROE) | 11.0822% | 1,725 |
| Retained earnings to average equity (ytd only) | 5.2023% | 2,774 |
| Net charge-offs to loans | 0.0128% | 6,166 |
| Credit loss provision to net charge-offs | 1,400.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 195 |
| Efficiency ratio | 76.9289% | 2,902 |
| Assets per employee ($millions) | 2.9626% | 6,223 |
| Cash dividends to net income (ytd only)* | 53.0568% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 4,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 44.9815% | 6,854 |
| Net loans and leases to deposits | 49.9984% | 7,068 |
| Net loans and leases to core deposits | 50.6402% | 7,187 |
| Total domestic deposits to total assets | 89.9658% | 933 |
| Equity capital to assets | 9.6223% | 4,512 |
| Core capital (leverage) ratio | 8.9432% | 4,696 |
| Tier 1 risk-based capital ratio | 17.7480% | 2,017 |
| Total risk-based capital ratio | 18.9992% | 1,989 |
| Memoranda: | ||
| Average total assets | $168,136,000 | 3,636 |
| Average earning assets | $154,553,670 | 3,626 |
| Average equity | $16,531,000 | 3,716 |
| Average total loans | $78,070,000 | 4,505 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 6,978 |
| Cost of funding earning assets | 0.5450% | 7,610 |
| Net interest margin | 3.8677% | 3,471 |
| Noninterest income to average assets | 1.1771% | 882 |
| Noninterest expense to average assets | 3.7595% | 1,396 |
| Loan and lease loss provision to assets | 0.0971% | 5,660 |
| Net operating income to assets | 0.8689% | 2,677 |
| Return on assets (ROA) | 0.9199% | 2,539 |
| Pretax return on assets | 0.9199% | 3,388 |
| Return on Equity (ROE) | 9.2512% | 2,406 |
| Retained earnings to average equity (ytd only) | 1.8307% | 5,017 |
| Net charge-offs to loans | 0.0725% | 4,694 |
| Credit loss provision to net charge-offs | 285.7143% | 1,373 |
| Earnings coverage of net charge-offs (x) | 28.4286% | 906 |
| Efficiency ratio | 78.9420% | 2,735 |
| Assets per employee ($millions) | 2.6753% | 6,909 |
| Cash dividends to net income (ytd only)* | 80.2111% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 4,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 45.3717% | 6,884 |
| Net loans and leases to deposits | 50.4539% | 7,109 |
| Net loans and leases to core deposits | 50.7526% | 7,257 |
| Total domestic deposits to total assets | 89.9271% | 1,025 |
| Equity capital to assets | 9.7626% | 4,158 |
| Core capital (leverage) ratio | 9.2402% | 4,158 |
| Tier 1 risk-based capital ratio | 17.9133% | 1,963 |
| Total risk-based capital ratio | 19.1654% | 1,937 |
| Memoranda: | ||
| Average total assets | $164,808,000 | 3,748 |
| Average earning assets | $151,202,500 | 3,736 |
| Average equity | $16,387,000 | 3,765 |
| Average total loans | $77,215,500 | 4,597 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9724% | 6,521 |
| Cost of funding earning assets | 0.7269% | 7,653 |
| Net interest margin | 4.2456% | 1,913 |
| Noninterest income to average assets | 1.4257% | 722 |
| Noninterest expense to average assets | 3.8492% | 1,604 |
| Loan and lease loss provision to assets | 0.1323% | 6,317 |
| Net operating income to assets | 1.2826% | 1,066 |
| Return on assets (ROA) | 1.3630% | 966 |
| Pretax return on assets | 1.3630% | 1,524 |
| Return on Equity (ROE) | 14.0623% | 771 |
| Retained earnings to average equity (ytd only) | 8.1774% | 655 |
| Net charge-offs to loans | 0.0837% | 6,275 |
| Credit loss provision to net charge-offs | 321.5385% | 1,014 |
| Earnings coverage of net charge-offs (x) | 34.3846% | 683 |
| Efficiency ratio | 72.5316% | 4,180 |
| Assets per employee ($millions) | 2.7301% | 6,799 |
| Cash dividends to net income (ytd only)* | 41.8486% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 4,126 |
| Loan loss allowance to noncurrent loans | 726.6667% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 7,263 |
| Noncurrent loans to loans | 0.1952% | 6,931 |
| Net loans and leases to total assets | 47.0309% | 6,895 |
| Net loans and leases to deposits | 52.5401% | 7,129 |
| Net loans and leases to core deposits | 58.4890% | 7,323 |
| Total domestic deposits to total assets | 89.5142% | 1,201 |
| Equity capital to assets | 10.1319% | 3,587 |
| Core capital (leverage) ratio | 9.3720% | 3,870 |
| Tier 1 risk-based capital ratio | 17.9063% | 1,914 |
| Total risk-based capital ratio | 19.1580% | 1,879 |
| Memoranda: | ||
| Average total assets | $157,955,600 | 3,811 |
| Average earning assets | $142,807,000 | 3,841 |
| Average equity | $15,310,400 | 4,012 |
| Average total loans | $77,683,000 | 4,598 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 6,492 |
| Cost of funding earning assets | 0.7740% | 7,731 |
| Net interest margin | 4.2624% | 1,832 |
| Noninterest income to average assets | 1.3810% | 790 |
| Noninterest expense to average assets | 3.9725% | 1,314 |
| Loan and lease loss provision to assets | 0.1264% | 6,085 |
| Net operating income to assets | 1.1265% | 1,649 |
| Return on assets (ROA) | 1.2029% | 1,518 |
| Pretax return on assets | 1.2029% | 2,254 |
| Return on Equity (ROE) | 12.5556% | 1,221 |
| Retained earnings to average equity (ytd only) | 4.5778% | 2,717 |
| Net charge-offs to loans | 0.1267% | 5,430 |
| Credit loss provision to net charge-offs | 201.3514% | 2,216 |
| Earnings coverage of net charge-offs (x) | 19.9603% | 1,258 |
| Efficiency ratio | 75.4221% | 3,602 |
| Assets per employee ($millions) | 2.6937% | 6,867 |
| Cash dividends to net income (ytd only)* | 63.5400% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 4,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 49.7914% | 6,794 |
| Net loans and leases to deposits | 55.8580% | 7,100 |
| Net loans and leases to core deposits | 62.8741% | 7,291 |
| Total domestic deposits to total assets | 89.1393% | 1,136 |
| Equity capital to assets | 10.2944% | 3,743 |
| Core capital (leverage) ratio | 8.9468% | 4,736 |
| Tier 1 risk-based capital ratio | 16.6241% | 2,385 |
| Total risk-based capital ratio | 17.8543% | 2,345 |
| Memoranda: | ||
| Average total assets | $157,175,750 | 3,854 |
| Average earning assets | $141,763,500 | 3,894 |
| Average equity | $15,058,000 | 4,085 |
| Average total loans | $77,892,500 | 4,628 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0966% | 6,450 |
| Cost of funding earning assets | 0.8181% | 7,797 |
| Net interest margin | 4.2785% | 1,708 |
| Noninterest income to average assets | 1.3206% | 877 |
| Noninterest expense to average assets | 3.9785% | 1,352 |
| Loan and lease loss provision to assets | 0.1137% | 6,010 |
| Net operating income to assets | 1.0690% | 1,875 |
| Return on assets (ROA) | 1.1840% | 1,610 |
| Pretax return on assets | 1.1840% | 2,349 |
| Return on Equity (ROE) | 12.6781% | 1,247 |
| Retained earnings to average equity (ytd only) | 6.0313% | 2,003 |
| Net charge-offs to loans | 0.1322% | 4,845 |
| Credit loss provision to net charge-offs | 174.5098% | 2,631 |
| Earnings coverage of net charge-offs (x) | 18.1569% | 1,425 |
| Efficiency ratio | 76.4662% | 3,605 |
| Assets per employee ($millions) | 2.6507% | 6,951 |
| Cash dividends to net income (ytd only)* | 52.4272% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 4,527 |
| Loan loss allowance to noncurrent loans | 1,171.4286% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 7,467 |
| Noncurrent loans to loans | 0.1077% | 7,255 |
| Net loans and leases to total assets | 48.4419% | 6,998 |
| Net loans and leases to deposits | 53.6832% | 7,293 |
| Net loans and leases to core deposits | 60.2806% | 7,442 |
| Total domestic deposits to total assets | 90.2367% | 738 |
| Equity capital to assets | 9.2899% | 4,894 |
| Core capital (leverage) ratio | 8.9257% | 4,748 |
| Tier 1 risk-based capital ratio | 16.2756% | 2,528 |
| Total risk-based capital ratio | 17.4367% | 2,502 |
| Memoranda: | ||
| Average total assets | $156,590,670 | 3,886 |
| Average earning assets | $140,564,000 | 3,938 |
| Average equity | $14,623,670 | 4,177 |
| Average total loans | $77,138,330 | 4,692 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2790% | 5,987 |
| Cost of funding earning assets | 0.8861% | 7,830 |
| Net interest margin | 4.3929% | 1,359 |
| Noninterest income to average assets | 1.3233% | 817 |
| Noninterest expense to average assets | 3.9443% | 1,251 |
| Loan and lease loss provision to assets | 0.0747% | 6,023 |
| Net operating income to assets | 1.2101% | 1,632 |
| Return on assets (ROA) | 1.4366% | 1,149 |
| Pretax return on assets | 1.4366% | 1,861 |
| Return on Equity (ROE) | 15.3423% | 914 |
| Retained earnings to average equity (ytd only) | 8.0561% | 1,794 |
| Net charge-offs to loans | 0.2399% | 3,202 |
| Credit loss provision to net charge-offs | 63.0435% | 4,468 |
| Earnings coverage of net charge-offs (x) | 10.8478% | 1,912 |
| Efficiency ratio | 74.8400% | 3,688 |
| Assets per employee ($millions) | 2.7115% | 6,862 |
| Cash dividends to net income (ytd only)* | 47.4910% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 4,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 48.6834% | 6,969 |
| Net loans and leases to deposits | 53.9423% | 7,290 |
| Net loans and leases to core deposits | 60.4124% | 7,437 |
| Total domestic deposits to total assets | 90.2510% | 696 |
| Equity capital to assets | 9.4171% | 4,787 |
| Core capital (leverage) ratio | 9.0353% | 4,645 |
| Tier 1 risk-based capital ratio | 16.0673% | 2,667 |
| Total risk-based capital ratio | 17.1543% | 2,665 |
| Memoranda: | ||
| Average total assets | $155,364,000 | 3,920 |
| Average earning assets | $138,131,500 | 3,994 |
| Average equity | $14,548,000 | 4,216 |
| Average total loans | $76,693,500 | 4,742 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9579% | 5,765 |
| Cost of funding earning assets | 1.4063% | 7,731 |
| Net interest margin | 4.5515% | 1,310 |
| Noninterest income to average assets | 1.4026% | 733 |
| Noninterest expense to average assets | 3.8890% | 1,580 |
| Loan and lease loss provision to assets | 0.0826% | 6,353 |
| Net operating income to assets | 1.4267% | 1,176 |
| Return on assets (ROA) | 1.4432% | 1,093 |
| Pretax return on assets | 1.4432% | 1,843 |
| Return on Equity (ROE) | 16.0921% | 755 |
| Retained earnings to average equity (ytd only) | 11.0326% | 321 |
| Net charge-offs to loans | 0.0450% | 6,145 |
| Credit loss provision to net charge-offs | 375.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 594 |
| Efficiency ratio | 71.4158% | 4,050 |
| Assets per employee ($millions) | 2.6010% | 6,998 |
| Cash dividends to net income (ytd only)* | 31.4408% | 4,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 4,182 |
| Loan loss allowance to noncurrent loans | 4,978.9474% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 7,569 |
| Noncurrent loans to loans | 0.0250% | 7,416 |
| Net loans and leases to total assets | 48.8391% | 7,121 |
| Net loans and leases to deposits | 54.1852% | 7,428 |
| Net loans and leases to core deposits | 61.3657% | 7,526 |
| Total domestic deposits to total assets | 90.1336% | 596 |
| Equity capital to assets | 9.3092% | 4,925 |
| Core capital (leverage) ratio | 9.0788% | 4,635 |
| Tier 1 risk-based capital ratio | 16.2742% | 2,559 |
| Total risk-based capital ratio | 17.4021% | 2,542 |
| Memoranda: | ||
| Average total assets | $145,230,200 | 3,986 |
| Average earning assets | $127,495,400 | 4,098 |
| Average equity | $13,025,000 | 4,569 |
| Average total loans | $71,190,200 | 4,827 |