Home > Bryan Bank & Trust > Performance and Condition Ratios
Bryan Bank & Trust, Performance and Condition Ratios
| 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 | 5.0257% | 1,625 |
| Cost of funding earning assets | 0.6846% | 3,901 |
| Net interest margin | 4.3411% | 1,371 |
| Noninterest income to average assets | -0.2612% | 7,087 |
| Noninterest expense to average assets | 2.7759% | 4,068 |
| Loan and lease loss provision to assets | 1.1767% | 312 |
| Net operating income to assets | -1.5974% | 6,984 |
| Return on assets (ROA) | -1.5974% | 6,992 |
| Pretax return on assets | -0.2571% | 6,574 |
| Return on Equity (ROE) | -18.6484% | 6,973 |
| Retained earnings to average equity (ytd only) | -18.6484% | 6,954 |
| Net charge-offs to loans | 1.3614% | 676 |
| Credit loss provision to net charge-offs | 113.4477% | 2,572 |
| Earnings coverage of net charge-offs (x) | 0.8866% | 4,887 |
| Efficiency ratio | 75.1165% | 2,806 |
| Assets per employee ($millions) | 6.5085% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0318% | 695 |
| Loan loss allowance to noncurrent loans | 72.3145% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 5.4749% | 781 |
| Noncurrent loans to loans | 4.1925% | 1,182 |
| Net loans and leases to total assets | 75.1855% | 1,091 |
| Net loans and leases to deposits | 83.6827% | 1,905 |
| Net loans and leases to core deposits | 93.6617% | 1,610 |
| Total domestic deposits to total assets | 89.8460% | 930 |
| Equity capital to assets | 8.3331% | 6,397 |
| Core capital (leverage) ratio | 7.8267% | 6,449 |
| Tier 1 risk-based capital ratio | 11.0823% | 6,448 |
| Total risk-based capital ratio | 12.3562% | 6,414 |
| Memoranda: | ||
| Average total assets | $232,283,000 | 2,726 |
| Average earning assets | $211,708,500 | 2,740 |
| Average equity | $19,897,500 | 3,254 |
| Average total loans | $176,966,750 | 2,270 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0532% | 1,654 |
| Cost of funding earning assets | 0.7122% | 3,919 |
| Net interest margin | 4.3410% | 1,363 |
| Noninterest income to average assets | -0.1142% | 7,102 |
| Noninterest expense to average assets | 2.5089% | 5,110 |
| Loan and lease loss provision to assets | 1.4489% | 260 |
| Net operating income to assets | 0.0042% | 6,316 |
| Return on assets (ROA) | 0.0042% | 6,450 |
| Pretax return on assets | -0.1302% | 6,539 |
| Return on Equity (ROE) | 0.0486% | 6,450 |
| Retained earnings to average equity (ytd only) | 0.0486% | 6,020 |
| Net charge-offs to loans | 0.3314% | 2,701 |
| Credit loss provision to net charge-offs | 576.9231% | 537 |
| Earnings coverage of net charge-offs (x) | 5.2508% | 2,874 |
| Efficiency ratio | 65.5475% | 4,611 |
| Assets per employee ($millions) | 6.6918% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5432% | 479 |
| Loan loss allowance to noncurrent loans | 97.8951% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 5.4117% | 835 |
| Noncurrent loans to loans | 3.6194% | 1,583 |
| Net loans and leases to total assets | 72.4359% | 1,482 |
| Net loans and leases to deposits | 80.7166% | 2,274 |
| Net loans and leases to core deposits | 90.1955% | 1,962 |
| Total domestic deposits to total assets | 89.7410% | 1,080 |
| Equity capital to assets | 8.8244% | 5,886 |
| Core capital (leverage) ratio | 7.8792% | 6,385 |
| Tier 1 risk-based capital ratio | 10.9761% | 6,509 |
| Total risk-based capital ratio | 12.2565% | 6,472 |
| Memoranda: | ||
| Average total assets | $238,116,670 | 2,681 |
| Average earning assets | $216,219,000 | 2,687 |
| Average equity | $20,564,000 | 3,157 |
| Average total loans | $180,444,330 | 2,223 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2044% | 1,310 |
| Cost of funding earning assets | 0.7335% | 4,000 |
| Net interest margin | 4.4709% | 1,068 |
| Noninterest income to average assets | -0.2933% | 7,225 |
| Noninterest expense to average assets | 2.4826% | 5,205 |
| Loan and lease loss provision to assets | 2.2077% | 125 |
| Net operating income to assets | -0.4565% | 6,801 |
| Return on assets (ROA) | -0.4565% | 6,832 |
| Pretax return on assets | -0.9314% | 6,961 |
| Return on Equity (ROE) | -5.3432% | 6,861 |
| Retained earnings to average equity (ytd only) | -5.3432% | 6,602 |
| Net charge-offs to loans | 0.1051% | 3,499 |
| Credit loss provision to net charge-offs | 2,760.4167% | 106 |
| Earnings coverage of net charge-offs (x) | 15.9583% | 1,394 |
| Efficiency ratio | 66.0461% | 4,550 |
| Assets per employee ($millions) | 6.8716% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3588% | 594 |
| Loan loss allowance to noncurrent loans | 119.5088% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 4.8947% | 1,076 |
| Noncurrent loans to loans | 2.8105% | 2,292 |
| Net loans and leases to total assets | 72.7735% | 1,262 |
| Net loans and leases to deposits | 80.8179% | 2,082 |
| Net loans and leases to core deposits | 91.9509% | 1,655 |
| Total domestic deposits to total assets | 90.0464% | 1,061 |
| Equity capital to assets | 8.4788% | 6,102 |
| Core capital (leverage) ratio | 7.5702% | 6,585 |
| Tier 1 risk-based capital ratio | 10.3175% | 6,791 |
| Total risk-based capital ratio | 11.5953% | 6,781 |
| Memoranda: | ||
| Average total assets | $240,068,000 | 2,669 |
| Average earning assets | $217,585,500 | 2,679 |
| Average equity | $20,512,000 | 3,161 |
| Average total loans | $182,723,000 | 2,199 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2704% | 1,802 |
| Cost of funding earning assets | 0.9290% | 3,886 |
| Net interest margin | 4.3413% | 1,572 |
| Noninterest income to average assets | 0.2039% | 6,044 |
| Noninterest expense to average assets | 2.2764% | 6,099 |
| Loan and lease loss provision to assets | 2.5951% | 164 |
| Net operating income to assets | -0.3958% | 6,415 |
| Return on assets (ROA) | -0.3538% | 6,432 |
| Pretax return on assets | -0.6701% | 6,583 |
| Return on Equity (ROE) | -4.2106% | 6,483 |
| Retained earnings to average equity (ytd only) | -4.2106% | 6,386 |
| Net charge-offs to loans | 3.5882% | 204 |
| Credit loss provision to net charge-offs | 90.8193% | 3,976 |
| Earnings coverage of net charge-offs (x) | 0.6507% | 5,334 |
| Efficiency ratio | 55.0424% | 6,413 |
| Assets per employee ($millions) | 7.0480% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6072% | 1,187 |
| Loan loss allowance to noncurrent loans | 83.4230% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 5.8790% | 845 |
| Noncurrent loans to loans | 3.1252% | 2,068 |
| Net loans and leases to total assets | 74.9206% | 1,104 |
| Net loans and leases to deposits | 83.3022% | 2,025 |
| Net loans and leases to core deposits | 94.8590% | 1,604 |
| Total domestic deposits to total assets | 89.9383% | 1,026 |
| Equity capital to assets | 8.6099% | 6,003 |
| Core capital (leverage) ratio | 8.0141% | 6,248 |
| Tier 1 risk-based capital ratio | 10.8201% | 6,546 |
| Total risk-based capital ratio | 12.0873% | 6,520 |
| Memoranda: | ||
| Average total assets | $248,158,000 | 2,538 |
| Average earning assets | $224,746,000 | 2,557 |
| Average equity | $20,852,200 | 3,025 |
| Average total loans | $197,618,400 | 2,061 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3177% | 1,792 |
| Cost of funding earning assets | 0.9694% | 3,899 |
| Net interest margin | 4.3483% | 1,565 |
| Noninterest income to average assets | 0.2024% | 6,157 |
| Noninterest expense to average assets | 2.2661% | 6,130 |
| Loan and lease loss provision to assets | 3.0577% | 105 |
| Net operating income to assets | -0.6170% | 6,707 |
| Return on assets (ROA) | -0.5615% | 6,718 |
| Pretax return on assets | -1.0942% | 6,906 |
| Return on Equity (ROE) | -6.7216% | 6,753 |
| Retained earnings to average equity (ytd only) | -6.7216% | 6,687 |
| Net charge-offs to loans | 2.3609% | 484 |
| Credit loss provision to net charge-offs | 161.3266% | 1,905 |
| Earnings coverage of net charge-offs (x) | 0.9902% | 4,890 |
| Efficiency ratio | 54.6998% | 6,425 |
| Assets per employee ($millions) | 6.9011% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9728% | 400 |
| Loan loss allowance to noncurrent loans | 102.7300% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 6.6569% | 763 |
| Noncurrent loans to loans | 3.8672% | 1,730 |
| Net loans and leases to total assets | 76.4448% | 918 |
| Net loans and leases to deposits | 84.8879% | 1,860 |
| Net loans and leases to core deposits | 98.0501% | 1,422 |
| Total domestic deposits to total assets | 90.0538% | 837 |
| Equity capital to assets | 8.4860% | 6,310 |
| Core capital (leverage) ratio | 7.8457% | 6,530 |
| Tier 1 risk-based capital ratio | 10.1023% | 6,923 |
| Total risk-based capital ratio | 11.3876% | 6,905 |
| Memoranda: | ||
| Average total assets | $250,289,750 | 2,529 |
| Average earning assets | $226,809,750 | 2,546 |
| Average equity | $20,907,250 | 3,023 |
| Average total loans | $200,938,250 | 2,055 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2988% | 1,898 |
| Cost of funding earning assets | 1.0080% | 3,902 |
| Net interest margin | 4.2908% | 1,702 |
| Noninterest income to average assets | 0.0561% | 7,023 |
| Noninterest expense to average assets | 2.2638% | 6,216 |
| Loan and lease loss provision to assets | 3.9020% | 81 |
| Net operating income to assets | -1.2678% | 7,022 |
| Return on assets (ROA) | -1.2369% | 7,025 |
| Pretax return on assets | -2.1611% | 7,200 |
| Return on Equity (ROE) | -14.8831% | 7,063 |
| Retained earnings to average equity (ytd only) | -14.8831% | 7,034 |
| Net charge-offs to loans | 2.2745% | 558 |
| Credit loss provision to net charge-offs | 213.1148% | 1,409 |
| Earnings coverage of net charge-offs (x) | 0.9245% | 4,609 |
| Efficiency ratio | 57.2170% | 6,267 |
| Assets per employee ($millions) | 7.6922% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0152% | 413 |
| Loan loss allowance to noncurrent loans | 127.1683% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 4.5395% | 1,385 |
| Noncurrent loans to loans | 3.1574% | 2,274 |
| Net loans and leases to total assets | 78.4606% | 713 |
| Net loans and leases to deposits | 88.3102% | 1,455 |
| Net loans and leases to core deposits | 101.9861% | 1,177 |
| Total domestic deposits to total assets | 88.8466% | 1,635 |
| Equity capital to assets | 8.1304% | 6,570 |
| Core capital (leverage) ratio | 7.3705% | 6,831 |
| Tier 1 risk-based capital ratio | 9.5263% | 7,096 |
| Total risk-based capital ratio | 10.8125% | 7,096 |
| Memoranda: | ||
| Average total assets | $253,206,670 | 2,511 |
| Average earning assets | $230,166,330 | 2,524 |
| Average equity | $21,044,000 | 2,993 |
| Average total loans | $203,823,330 | 2,046 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3267% | 1,791 |
| Cost of funding earning assets | 1.0533% | 3,833 |
| Net interest margin | 4.2734% | 1,651 |
| Noninterest income to average assets | 0.3428% | 5,176 |
| Noninterest expense to average assets | 2.2108% | 6,400 |
| Loan and lease loss provision to assets | 1.7138% | 345 |
| Net operating income to assets | 0.2278% | 5,690 |
| Return on assets (ROA) | 0.3038% | 5,453 |
| Pretax return on assets | 0.3817% | 5,394 |
| Return on Equity (ROE) | 3.6179% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.6179% | 4,014 |
| Net charge-offs to loans | 0.7117% | 1,792 |
| Credit loss provision to net charge-offs | 301.3699% | 1,061 |
| Earnings coverage of net charge-offs (x) | 3.5178% | 2,717 |
| Efficiency ratio | 52.4972% | 6,820 |
| Assets per employee ($millions) | 8.1937% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0388% | 882 |
| Loan loss allowance to noncurrent loans | 122.5896% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 4.1031% | 1,622 |
| Noncurrent loans to loans | 2.4788% | 3,014 |
| Net loans and leases to total assets | 77.7838% | 762 |
| Net loans and leases to deposits | 86.2840% | 1,682 |
| Net loans and leases to core deposits | 98.4891% | 1,474 |
| Total domestic deposits to total assets | 90.1486% | 1,061 |
| Equity capital to assets | 8.5176% | 5,879 |
| Core capital (leverage) ratio | 8.2838% | 5,837 |
| Tier 1 risk-based capital ratio | 10.9284% | 6,553 |
| Total risk-based capital ratio | 12.2023% | 6,517 |
| Memoranda: | ||
| Average total assets | $256,735,500 | 2,503 |
| Average earning assets | $232,416,000 | 2,521 |
| Average equity | $21,559,500 | 2,915 |
| Average total loans | $205,130,500 | 2,050 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4334% | 2,531 |
| Cost of funding earning assets | 1.2297% | 4,356 |
| Net interest margin | 4.2036% | 2,168 |
| Noninterest income to average assets | 0.4264% | 4,699 |
| Noninterest expense to average assets | 2.1496% | 6,731 |
| Loan and lease loss provision to assets | 3.0027% | 317 |
| Net operating income to assets | -0.4299% | 6,341 |
| Return on assets (ROA) | -0.4163% | 6,357 |
| Pretax return on assets | -0.8353% | 6,536 |
| Return on Equity (ROE) | -4.8488% | 6,421 |
| Retained earnings to average equity (ytd only) | -6.1982% | 6,401 |
| Net charge-offs to loans | 2.8362% | 617 |
| Credit loss provision to net charge-offs | 127.2504% | 3,168 |
| Earnings coverage of net charge-offs (x) | 0.9095% | 5,204 |
| Efficiency ratio | 50.0405% | 7,126 |
| Assets per employee ($millions) | 7.6314% | 558 |
| Cash dividends to net income (ytd only)* | -27.8293% | 7,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6427% | 1,239 |
| Loan loss allowance to noncurrent loans | 110.1312% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 3.9539% | 1,722 |
| Noncurrent loans to loans | 2.3996% | 3,120 |
| Net loans and leases to total assets | 77.4811% | 1,020 |
| Net loans and leases to deposits | 86.4401% | 2,013 |
| Net loans and leases to core deposits | 103.4226% | 1,358 |
| Total domestic deposits to total assets | 89.6357% | 1,299 |
| Equity capital to assets | 8.2801% | 6,171 |
| Core capital (leverage) ratio | 8.1958% | 5,833 |
| Tier 1 risk-based capital ratio | 10.6664% | 6,594 |
| Total risk-based capital ratio | 11.9347% | 6,553 |
| Memoranda: | ||
| Average total assets | $258,937,000 | 2,464 |
| Average earning assets | $238,342,200 | 2,445 |
| Average equity | $22,232,400 | 2,853 |
| Average total loans | $215,428,800 | 2,007 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4568% | 2,618 |
| Cost of funding earning assets | 1.2558% | 4,536 |
| Net interest margin | 4.2010% | 2,211 |
| Noninterest income to average assets | 0.4461% | 4,591 |
| Noninterest expense to average assets | 2.1277% | 6,791 |
| Loan and lease loss provision to assets | 2.2024% | 510 |
| Net operating income to assets | 0.0953% | 5,787 |
| Return on assets (ROA) | 0.1236% | 5,870 |
| Pretax return on assets | 0.0412% | 6,019 |
| Return on Equity (ROE) | 1.4273% | 5,785 |
| Retained earnings to average equity (ytd only) | -0.3568% | 5,876 |
| Net charge-offs to loans | 1.7562% | 1,113 |
| Credit loss provision to net charge-offs | 149.1106% | 2,612 |
| Earnings coverage of net charge-offs (x) | 1.4998% | 4,607 |
| Efficiency ratio | 48.9917% | 7,210 |
| Assets per employee ($millions) | 7.6241% | 592 |
| Cash dividends to net income (ytd only)* | 125.0008% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4127% | 1,456 |
| Loan loss allowance to noncurrent loans | 60.4159% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 4.1772% | 1,645 |
| Noncurrent loans to loans | 3.9934% | 1,880 |
| Net loans and leases to total assets | 81.1395% | 603 |
| Net loans and leases to deposits | 90.3821% | 1,671 |
| Net loans and leases to core deposits | 113.0345% | 885 |
| Total domestic deposits to total assets | 89.7739% | 983 |
| Equity capital to assets | 8.8288% | 5,808 |
| Core capital (leverage) ratio | 8.8335% | 4,948 |
| Tier 1 risk-based capital ratio | 11.1584% | 6,234 |
| Total risk-based capital ratio | 12.4247% | 6,213 |
| Memoranda: | ||
| Average total assets | $258,804,500 | 2,503 |
| Average earning assets | $240,062,000 | 2,459 |
| Average equity | $22,419,500 | 2,876 |
| Average total loans | $217,662,250 | 2,015 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5202% | 2,441 |
| Cost of funding earning assets | 1.2765% | 4,675 |
| Net interest margin | 4.2437% | 1,993 |
| Noninterest income to average assets | 0.4771% | 4,302 |
| Noninterest expense to average assets | 2.1387% | 6,794 |
| Loan and lease loss provision to assets | 1.8363% | 676 |
| Net operating income to assets | 0.3484% | 4,982 |
| Return on assets (ROA) | 0.3820% | 5,003 |
| Pretax return on assets | 0.4825% | 4,955 |
| Return on Equity (ROE) | 4.4377% | 4,576 |
| Retained earnings to average equity (ytd only) | 1.7427% | 4,997 |
| Net charge-offs to loans | 1.2437% | 1,534 |
| Credit loss provision to net charge-offs | 174.8895% | 2,239 |
| Earnings coverage of net charge-offs (x) | 2.1679% | 3,935 |
| Efficiency ratio | 48.4413% | 7,319 |
| Assets per employee ($millions) | 7.1496% | 719 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1993% | 1,755 |
| Loan loss allowance to noncurrent loans | 62.7561% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 3.8662% | 1,791 |
| Noncurrent loans to loans | 3.5045% | 2,257 |
| Net loans and leases to total assets | 83.0867% | 429 |
| Net loans and leases to deposits | 94.3501% | 1,231 |
| Net loans and leases to core deposits | 124.3969% | 563 |
| Total domestic deposits to total assets | 88.0622% | 1,967 |
| Equity capital to assets | 8.9462% | 5,531 |
| Core capital (leverage) ratio | 8.9664% | 4,658 |
| Tier 1 risk-based capital ratio | 11.0528% | 6,185 |
| Total risk-based capital ratio | 12.3158% | 6,157 |
| Memoranda: | ||
| Average total assets | $258,666,330 | 2,525 |
| Average earning assets | $240,027,330 | 2,481 |
| Average equity | $22,264,000 | 2,885 |
| Average total loans | $218,373,330 | 2,042 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4970% | 2,585 |
| Cost of funding earning assets | 1.2896% | 4,873 |
| Net interest margin | 4.2074% | 2,012 |
| Noninterest income to average assets | 0.4859% | 4,152 |
| Noninterest expense to average assets | 2.1287% | 6,866 |
| Loan and lease loss provision to assets | 1.6660% | 689 |
| Net operating income to assets | 0.4396% | 4,664 |
| Return on assets (ROA) | 0.4813% | 4,620 |
| Pretax return on assets | 0.6587% | 4,378 |
| Return on Equity (ROE) | 5.7031% | 4,009 |
| Retained earnings to average equity (ytd only) | 0.2193% | 5,737 |
| Net charge-offs to loans | 0.4949% | 2,577 |
| Credit loss provision to net charge-offs | 400.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | 5.4444% | 2,397 |
| Efficiency ratio | 48.4211% | 7,410 |
| Assets per employee ($millions) | 7.3934% | 686 |
| Cash dividends to net income (ytd only)* | 96.1538% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1073% | 1,941 |
| Loan loss allowance to noncurrent loans | 58.0547% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 3.5221% | 1,996 |
| Noncurrent loans to loans | 3.6299% | 2,190 |
| Net loans and leases to total assets | 82.6138% | 522 |
| Net loans and leases to deposits | 94.0759% | 1,341 |
| Net loans and leases to core deposits | 127.4147% | 552 |
| Total domestic deposits to total assets | 87.8162% | 2,164 |
| Equity capital to assets | 8.4345% | 6,096 |
| Core capital (leverage) ratio | 8.4587% | 5,448 |
| Tier 1 risk-based capital ratio | 10.4766% | 6,653 |
| Total risk-based capital ratio | 11.7385% | 6,633 |
| Memoranda: | ||
| Average total assets | $259,307,500 | 2,566 |
| Average earning assets | $241,006,000 | 2,527 |
| Average equity | $21,883,000 | 2,963 |
| Average total loans | $218,229,500 | 2,091 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7937% | 2,684 |
| Cost of funding earning assets | 1.7376% | 4,325 |
| Net interest margin | 4.0561% | 2,622 |
| Noninterest income to average assets | 0.6507% | 3,286 |
| Noninterest expense to average assets | 2.1321% | 7,117 |
| Loan and lease loss provision to assets | 0.8059% | 2,721 |
| Net operating income to assets | 0.9758% | 1,923 |
| Return on assets (ROA) | 1.1279% | 1,478 |
| Pretax return on assets | 1.7138% | 754 |
| Return on Equity (ROE) | 12.8454% | 996 |
| Retained earnings to average equity (ytd only) | 5.1017% | 1,769 |
| Net charge-offs to loans | 0.4721% | 3,893 |
| Credit loss provision to net charge-offs | 202.5126% | 1,914 |
| Earnings coverage of net charge-offs (x) | 5.7528% | 2,508 |
| Efficiency ratio | 48.2225% | 7,623 |
| Assets per employee ($millions) | 7.4242% | 668 |
| Cash dividends to net income (ytd only)* | 60.2837% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7388% | 2,752 |
| Loan loss allowance to noncurrent loans | 75.9311% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 2.3221% | 2,977 |
| Noncurrent loans to loans | 2.2900% | 3,298 |
| Net loans and leases to total assets | 82.4665% | 617 |
| Net loans and leases to deposits | 98.5622% | 1,049 |
| Net loans and leases to core deposits | 147.4316% | 572 |
| Total domestic deposits to total assets | 83.6696% | 4,190 |
| Equity capital to assets | 8.4435% | 5,990 |
| Core capital (leverage) ratio | 8.5712% | 5,150 |
| Tier 1 risk-based capital ratio | 10.5713% | 6,319 |
| Total risk-based capital ratio | 11.8308% | 6,300 |
| Memoranda: | ||
| Average total assets | $250,030,800 | 2,609 |
| Average earning assets | $232,442,800 | 2,575 |
| Average equity | $21,953,400 | 2,947 |
| Average total loans | $210,753,600 | 2,186 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8733% | 2,568 |
| Cost of funding earning assets | 1.8376% | 4,209 |
| Net interest margin | 4.0357% | 2,654 |
| Noninterest income to average assets | 0.7033% | 2,994 |
| Noninterest expense to average assets | 2.1714% | 7,047 |
| Loan and lease loss provision to assets | 0.6813% | 2,697 |
| Net operating income to assets | 1.0490% | 1,905 |
| Return on assets (ROA) | 1.1638% | 1,612 |
| Pretax return on assets | 1.7777% | 840 |
| Return on Equity (ROE) | 13.1224% | 1,093 |
| Retained earnings to average equity (ytd only) | 7.3537% | 1,373 |
| Net charge-offs to loans | 0.2636% | 4,396 |
| Credit loss provision to net charge-offs | 306.2954% | 1,348 |
| Earnings coverage of net charge-offs (x) | 10.2616% | 1,982 |
| Efficiency ratio | 48.7545% | 7,632 |
| Assets per employee ($millions) | 6.8776% | 833 |
| Cash dividends to net income (ytd only)* | 43.9613% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 2,589 |
| Loan loss allowance to noncurrent loans | 174.0634% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 4,573 |
| Noncurrent loans to loans | 0.9829% | 5,341 |
| Net loans and leases to total assets | 81.8138% | 844 |
| Net loans and leases to deposits | 95.8386% | 1,597 |
| Net loans and leases to core deposits | 141.0528% | 871 |
| Total domestic deposits to total assets | 85.3662% | 3,045 |
| Equity capital to assets | 8.7491% | 5,881 |
| Core capital (leverage) ratio | 8.8161% | 4,948 |
| Tier 1 risk-based capital ratio | 10.7557% | 6,205 |
| Total risk-based capital ratio | 12.0125% | 6,160 |
| Memoranda: | ||
| Average total assets | $247,577,000 | 2,646 |
| Average earning assets | $230,075,250 | 2,617 |
| Average equity | $21,956,750 | 2,978 |
| Average total loans | $208,922,500 | 2,230 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8126% | 2,989 |
| Cost of funding earning assets | 1.9200% | 4,163 |
| Net interest margin | 3.8926% | 3,150 |
| Noninterest income to average assets | 0.7534% | 2,682 |
| Noninterest expense to average assets | 2.2252% | 6,989 |
| Loan and lease loss provision to assets | 0.2446% | 4,625 |
| Net operating income to assets | 1.2357% | 1,391 |
| Return on assets (ROA) | 1.2940% | 1,326 |
| Pretax return on assets | 1.9953% | 576 |
| Return on Equity (ROE) | 14.5234% | 903 |
| Retained earnings to average equity (ytd only) | 7.2022% | 1,504 |
| Net charge-offs to loans | 0.3174% | 3,600 |
| Credit loss provision to net charge-offs | 90.9091% | 4,890 |
| Earnings coverage of net charge-offs (x) | 7.9909% | 2,342 |
| Efficiency ratio | 50.8572% | 7,606 |
| Assets per employee ($millions) | 6.9039% | 804 |
| Cash dividends to net income (ytd only)* | 50.4096% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 4,144 |
| Loan loss allowance to noncurrent loans | 188.7130% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 1.0409% | 4,888 |
| Noncurrent loans to loans | 0.7011% | 5,846 |
| Net loans and leases to total assets | 82.2865% | 902 |
| Net loans and leases to deposits | 99.4795% | 1,336 |
| Net loans and leases to core deposits | 133.0484% | 1,370 |
| Total domestic deposits to total assets | 82.7170% | 4,377 |
| Equity capital to assets | 8.8908% | 5,467 |
| Core capital (leverage) ratio | 8.8198% | 4,912 |
| Tier 1 risk-based capital ratio | 10.5561% | 6,326 |
| Total risk-based capital ratio | 11.8076% | 6,271 |
| Memoranda: | ||
| Average total assets | $245,278,330 | 2,695 |
| Average earning assets | $228,227,670 | 2,651 |
| Average equity | $21,854,330 | 2,988 |
| Average total loans | $207,957,330 | 2,261 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7390% | 3,594 |
| Cost of funding earning assets | 1.9995% | 4,131 |
| Net interest margin | 3.7394% | 3,713 |
| Noninterest income to average assets | 1.0507% | 1,346 |
| Noninterest expense to average assets | 2.1654% | 6,967 |
| Loan and lease loss provision to assets | 0.2463% | 4,008 |
| Net operating income to assets | 1.3593% | 1,238 |
| Return on assets (ROA) | 1.3593% | 1,325 |
| Pretax return on assets | 2.1145% | 527 |
| Return on Equity (ROE) | 15.2395% | 934 |
| Retained earnings to average equity (ytd only) | 4.1964% | 3,577 |
| Net charge-offs to loans | 0.2554% | 3,134 |
| Credit loss provision to net charge-offs | 112.7820% | 3,440 |
| Earnings coverage of net charge-offs (x) | 10.8120% | 1,919 |
| Efficiency ratio | 47.8419% | 7,733 |
| Assets per employee ($millions) | 5.7344% | 1,373 |
| Cash dividends to net income (ytd only)* | 72.4638% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 3,694 |
| Loan loss allowance to noncurrent loans | 79.4134% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 2.0902% | 2,767 |
| Noncurrent loans to loans | 1.7227% | 3,678 |
| Net loans and leases to total assets | 83.4905% | 772 |
| Net loans and leases to deposits | 95.2237% | 2,076 |
| Net loans and leases to core deposits | 133.5776% | 1,439 |
| Total domestic deposits to total assets | 87.6783% | 1,894 |
| Equity capital to assets | 9.0233% | 5,326 |
| Core capital (leverage) ratio | 8.6278% | 5,285 |
| Tier 1 risk-based capital ratio | 10.4474% | 6,451 |
| Total risk-based capital ratio | 11.6993% | 6,359 |
| Memoranda: | ||
| Average total assets | $243,648,000 | 2,727 |
| Average earning assets | $226,451,000 | 2,685 |
| Average equity | $21,733,000 | 3,010 |
| Average total loans | $208,308,000 | 2,285 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7136% | 1,982 |
| Cost of funding earning assets | 2.4769% | 4,327 |
| Net interest margin | 4.2367% | 2,172 |
| Noninterest income to average assets | 0.8882% | 2,007 |
| Noninterest expense to average assets | 2.2289% | 6,897 |
| Loan and lease loss provision to assets | 0.2553% | 4,363 |
| Net operating income to assets | 1.5315% | 957 |
| Return on assets (ROA) | 1.5436% | 905 |
| Pretax return on assets | 2.3997% | 246 |
| Return on Equity (ROE) | 17.3762% | 587 |
| Retained earnings to average equity (ytd only) | 12.4215% | 200 |
| Net charge-offs to loans | 0.0831% | 5,574 |
| Credit loss provision to net charge-offs | 351.5152% | 1,280 |
| Earnings coverage of net charge-offs (x) | 36.2970% | 1,013 |
| Efficiency ratio | 45.8156% | 7,939 |
| Assets per employee ($millions) | 5.8679% | 1,218 |
| Cash dividends to net income (ytd only)* | 28.5144% | 4,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 3,760 |
| Loan loss allowance to noncurrent loans | 63.4180% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.9505% | 2,519 |
| Noncurrent loans to loans | 2.0546% | 2,689 |
| Net loans and leases to total assets | 85.1984% | 702 |
| Net loans and leases to deposits | 100.8782% | 1,730 |
| Net loans and leases to core deposits | 132.7513% | 1,672 |
| Total domestic deposits to total assets | 84.4567% | 3,100 |
| Equity capital to assets | 8.8187% | 5,620 |
| Core capital (leverage) ratio | 8.6158% | 5,349 |
| Tier 1 risk-based capital ratio | 9.8021% | 6,957 |
| Total risk-based capital ratio | 11.0531% | 6,845 |
| Memoranda: | ||
| Average total assets | $227,192,400 | 2,805 |
| Average earning assets | $213,254,200 | 2,732 |
| Average equity | $20,182,800 | 3,202 |
| Average total loans | $198,661,400 | 2,312 |