Home > Heritage Bank of the South > Performance and Condition Ratios
Heritage Bank of the South, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 487 |
| Cost of funding earning assets | 0.1833% | 5,588 |
| Net interest margin | 4.9331% | 282 |
| Noninterest income to average assets | 2.5350% | 266 |
| Noninterest expense to average assets | 7.0167% | 147 |
| Loan and lease loss provision to assets | 0.0335% | 3,446 |
| Net operating income to assets | -0.0684% | 6,036 |
| Return on assets (ROA) | -0.1234% | 6,089 |
| Pretax return on assets | -0.2083% | 6,111 |
| Return on Equity (ROE) | -1.4391% | 6,102 |
| Retained earnings to average equity (ytd only) | -1.4391% | 5,763 |
| Net charge-offs to loans | -0.0040% | 4,690 |
| Credit loss provision to net charge-offs | -1,111.1111% | 5,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2937% | 312 |
| Assets per employee ($millions) | 3.2752% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 5,827 |
| Loan loss allowance to noncurrent loans | 61.0260% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 1.3716% | 1,826 |
| Noncurrent loans to loans | 1.1404% | 2,370 |
| Net loans and leases to total assets | 79.3315% | 893 |
| Net loans and leases to deposits | 107.6156% | 318 |
| Net loans and leases to core deposits | 116.3627% | 580 |
| Total domestic deposits to total assets | 73.7174% | 5,815 |
| Equity capital to assets | 8.1808% | 5,892 |
| Core capital (leverage) ratio | 7.9070% | 5,973 |
| Tier 1 risk-based capital ratio | 10.8450% | 5,783 |
| Total risk-based capital ratio | 11.6686% | 5,893 |
| Memoranda: | ||
| Average total assets | $1,789,160,000 | 409 |
| Average earning assets | $1,593,233,330 | 417 |
| Average equity | $153,424,330 | 502 |
| Average total loans | $1,361,024,670 | 378 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2424% | 384 |
| Cost of funding earning assets | 0.5081% | 2,218 |
| Net interest margin | 4.7343% | 395 |
| Noninterest income to average assets | 2.6517% | 248 |
| Noninterest expense to average assets | 5.4385% | 232 |
| Loan and lease loss provision to assets | 0.0171% | 3,500 |
| Net operating income to assets | 0.9219% | 2,641 |
| Return on assets (ROA) | 0.9219% | 2,765 |
| Pretax return on assets | 1.4083% | 1,862 |
| Return on Equity (ROE) | 10.4945% | 1,798 |
| Retained earnings to average equity (ytd only) | 10.4945% | 815 |
| Net charge-offs to loans | 0.0308% | 2,570 |
| Credit loss provision to net charge-offs | 75.0000% | 1,875 |
| Earnings coverage of net charge-offs (x) | 62.4300% | 715 |
| Efficiency ratio | 78.1659% | 2,163 |
| Assets per employee ($millions) | 3.1680% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 5,827 |
| Loan loss allowance to noncurrent loans | 58.9285% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.4574% | 1,809 |
| Noncurrent loans to loans | 1.2603% | 2,268 |
| Net loans and leases to total assets | 74.2105% | 1,470 |
| Net loans and leases to deposits | 95.7776% | 841 |
| Net loans and leases to core deposits | 104.1891% | 1,056 |
| Total domestic deposits to total assets | 77.4820% | 5,537 |
| Equity capital to assets | 8.6560% | 5,609 |
| Core capital (leverage) ratio | 8.3282% | 5,697 |
| Tier 1 risk-based capital ratio | 11.5982% | 5,499 |
| Total risk-based capital ratio | 12.4228% | 5,640 |
| Memoranda: | ||
| Average total assets | $1,751,954,000 | 419 |
| Average earning assets | $1,558,739,000 | 423 |
| Average equity | $153,908,500 | 503 |
| Average total loans | $1,297,157,000 | 389 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2232% | 498 |
| Cost of funding earning assets | 0.6044% | 1,725 |
| Net interest margin | 4.6188% | 601 |
| Noninterest income to average assets | 1.6381% | 473 |
| Noninterest expense to average assets | 4.9264% | 322 |
| Loan and lease loss provision to assets | 0.1016% | 2,460 |
| Net operating income to assets | 0.4872% | 4,863 |
| Return on assets (ROA) | 0.5305% | 4,769 |
| Pretax return on assets | 0.7619% | 4,395 |
| Return on Equity (ROE) | 6.3446% | 3,979 |
| Retained earnings to average equity (ytd only) | 6.3446% | 1,734 |
| Net charge-offs to loans | 0.0464% | 3,901 |
| Credit loss provision to net charge-offs | 320.2041% | 819 |
| Earnings coverage of net charge-offs (x) | 25.2592% | 1,502 |
| Efficiency ratio | 85.0115% | 1,283 |
| Assets per employee ($millions) | 2.9952% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 5,762 |
| Loan loss allowance to noncurrent loans | 81.0043% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.2221% | 2,324 |
| Noncurrent loans to loans | 0.9937% | 2,844 |
| Net loans and leases to total assets | 72.6825% | 1,803 |
| Net loans and leases to deposits | 93.2476% | 1,156 |
| Net loans and leases to core deposits | 104.8683% | 1,083 |
| Total domestic deposits to total assets | 77.9457% | 5,447 |
| Equity capital to assets | 8.9216% | 5,363 |
| Core capital (leverage) ratio | 8.3814% | 5,687 |
| Tier 1 risk-based capital ratio | 11.5408% | 5,633 |
| Total risk-based capital ratio | 12.3473% | 5,814 |
| Memoranda: | ||
| Average total assets | $1,544,007,800 | 450 |
| Average earning assets | $1,367,199,600 | 462 |
| Average equity | $129,101,800 | 562 |
| Average total loans | $1,056,345,000 | 437 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1834% | 539 |
| Cost of funding earning assets | 0.6079% | 1,766 |
| Net interest margin | 4.5755% | 651 |
| Noninterest income to average assets | 1.4140% | 625 |
| Noninterest expense to average assets | 4.7140% | 382 |
| Loan and lease loss provision to assets | 0.1138% | 2,151 |
| Net operating income to assets | 0.4415% | 5,108 |
| Return on assets (ROA) | 0.4890% | 4,978 |
| Pretax return on assets | 0.7011% | 4,698 |
| Return on Equity (ROE) | 5.9616% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.9616% | 2,438 |
| Net charge-offs to loans | 0.0427% | 3,647 |
| Credit loss provision to net charge-offs | 397.5232% | 706 |
| Earnings coverage of net charge-offs (x) | 26.0988% | 1,492 |
| Efficiency ratio | 85.3902% | 1,244 |
| Assets per employee ($millions) | 2.9863% | 5,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 5,837 |
| Loan loss allowance to noncurrent loans | 72.5172% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.3085% | 2,370 |
| Noncurrent loans to loans | 1.1236% | 2,811 |
| Net loans and leases to total assets | 68.9748% | 2,372 |
| Net loans and leases to deposits | 89.4299% | 1,484 |
| Net loans and leases to core deposits | 100.3507% | 1,337 |
| Total domestic deposits to total assets | 77.1272% | 5,655 |
| Equity capital to assets | 8.6001% | 5,726 |
| Core capital (leverage) ratio | 9.7021% | 4,073 |
| Tier 1 risk-based capital ratio | 11.3808% | 5,847 |
| Total risk-based capital ratio | 12.1803% | 5,978 |
| Memoranda: | ||
| Average total assets | $1,504,686,250 | 457 |
| Average earning assets | $1,330,875,500 | 473 |
| Average equity | $123,431,750 | 592 |
| Average total loans | $1,008,787,000 | 449 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3811% | 386 |
| Cost of funding earning assets | 0.6407% | 1,583 |
| Net interest margin | 4.7404% | 454 |
| Noninterest income to average assets | 1.1648% | 857 |
| Noninterest expense to average assets | 4.6094% | 409 |
| Loan and lease loss provision to assets | 0.0905% | 2,518 |
| Net operating income to assets | 0.4632% | 4,960 |
| Return on assets (ROA) | 0.4772% | 4,976 |
| Pretax return on assets | 0.6651% | 4,752 |
| Return on Equity (ROE) | 5.9349% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.9349% | 2,358 |
| Net charge-offs to loans | 0.0302% | 3,591 |
| Credit loss provision to net charge-offs | 453.5211% | 628 |
| Earnings coverage of net charge-offs (x) | 36.8873% | 1,115 |
| Efficiency ratio | 85.2072% | 1,359 |
| Assets per employee ($millions) | 3.0263% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 5,471 |
| Loan loss allowance to noncurrent loans | 58.5899% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 1.6084% | 2,038 |
| Noncurrent loans to loans | 1.6601% | 2,086 |
| Net loans and leases to total assets | 64.9288% | 2,917 |
| Net loans and leases to deposits | 79.0659% | 2,648 |
| Net loans and leases to core deposits | 88.4001% | 2,272 |
| Total domestic deposits to total assets | 82.1199% | 4,605 |
| Equity capital to assets | 7.9644% | 6,174 |
| Core capital (leverage) ratio | 8.1791% | 5,951 |
| Tier 1 risk-based capital ratio | 11.8632% | 5,612 |
| Total risk-based capital ratio | 12.8094% | 5,721 |
| Memoranda: | ||
| Average total assets | $1,422,915,330 | 482 |
| Average earning assets | $1,254,958,670 | 499 |
| Average equity | $114,408,670 | 620 |
| Average total loans | $939,391,000 | 472 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2261% | 466 |
| Cost of funding earning assets | 0.6496% | 1,582 |
| Net interest margin | 4.5765% | 579 |
| Noninterest income to average assets | 0.9835% | 1,168 |
| Noninterest expense to average assets | 4.3718% | 517 |
| Loan and lease loss provision to assets | 0.0488% | 3,121 |
| Net operating income to assets | 0.4198% | 5,043 |
| Return on assets (ROA) | 0.4198% | 5,112 |
| Pretax return on assets | 0.5749% | 4,919 |
| Return on Equity (ROE) | 5.1954% | 4,445 |
| Retained earnings to average equity (ytd only) | 5.1954% | 2,997 |
| Net charge-offs to loans | -0.0087% | 4,997 |
| Credit loss provision to net charge-offs | -850.0000% | 5,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3934% | 1,404 |
| Assets per employee ($millions) | 3.0971% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 5,610 |
| Loan loss allowance to noncurrent loans | 46.7536% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 2.0073% | 1,701 |
| Noncurrent loans to loans | 2.0887% | 1,772 |
| Net loans and leases to total assets | 65.8066% | 2,597 |
| Net loans and leases to deposits | 81.6194% | 2,085 |
| Net loans and leases to core deposits | 93.5116% | 1,595 |
| Total domestic deposits to total assets | 80.6261% | 5,343 |
| Equity capital to assets | 8.1019% | 5,974 |
| Core capital (leverage) ratio | 8.3792% | 5,767 |
| Tier 1 risk-based capital ratio | 11.9839% | 5,657 |
| Total risk-based capital ratio | 12.9316% | 5,766 |
| Memoranda: | ||
| Average total assets | $1,392,922,500 | 491 |
| Average earning assets | $1,221,109,000 | 510 |
| Average equity | $112,561,000 | 631 |
| Average total loans | $922,943,000 | 477 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8816% | 207 |
| Cost of funding earning assets | 0.6616% | 2,109 |
| Net interest margin | 5.2200% | 209 |
| Noninterest income to average assets | 1.4356% | 675 |
| Noninterest expense to average assets | 4.4941% | 531 |
| Loan and lease loss provision to assets | 0.1338% | 2,639 |
| Net operating income to assets | 0.9134% | 2,715 |
| Return on assets (ROA) | 0.9180% | 2,776 |
| Pretax return on assets | 1.3062% | 2,121 |
| Return on Equity (ROE) | 10.9435% | 1,783 |
| Retained earnings to average equity (ytd only) | 7.5337% | 1,221 |
| Net charge-offs to loans | 0.2296% | 2,625 |
| Credit loss provision to net charge-offs | 94.2935% | 2,647 |
| Earnings coverage of net charge-offs (x) | 10.1049% | 2,419 |
| Efficiency ratio | 74.7656% | 3,003 |
| Assets per employee ($millions) | 3.2317% | 5,423 |
| Cash dividends to net income (ytd only)* | 31.1581% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 5,643 |
| Loan loss allowance to noncurrent loans | 55.1314% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 1.9451% | 1,856 |
| Noncurrent loans to loans | 1.7861% | 2,246 |
| Net loans and leases to total assets | 65.4083% | 2,788 |
| Net loans and leases to deposits | 82.8894% | 2,080 |
| Net loans and leases to core deposits | 95.1970% | 1,516 |
| Total domestic deposits to total assets | 78.9103% | 5,670 |
| Equity capital to assets | 8.0595% | 5,972 |
| Core capital (leverage) ratio | 8.5259% | 5,636 |
| Tier 1 risk-based capital ratio | 12.2296% | 5,470 |
| Total risk-based capital ratio | 13.1862% | 5,596 |
| Memoranda: | ||
| Average total assets | $1,297,123,800 | 511 |
| Average earning assets | $1,116,207,800 | 534 |
| Average equity | $108,804,600 | 647 |
| Average total loans | $801,481,200 | 520 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7843% | 242 |
| Cost of funding earning assets | 0.6721% | 2,161 |
| Net interest margin | 5.1122% | 251 |
| Noninterest income to average assets | 1.4512% | 699 |
| Noninterest expense to average assets | 4.4530% | 547 |
| Loan and lease loss provision to assets | 0.1569% | 2,299 |
| Net operating income to assets | 0.8657% | 3,013 |
| Return on assets (ROA) | 0.8657% | 3,123 |
| Pretax return on assets | 1.2271% | 2,591 |
| Return on Equity (ROE) | 10.2127% | 2,099 |
| Retained earnings to average equity (ytd only) | 10.2127% | 747 |
| Net charge-offs to loans | 0.2873% | 2,098 |
| Credit loss provision to net charge-offs | 90.0539% | 2,636 |
| Earnings coverage of net charge-offs (x) | 7.9437% | 2,698 |
| Efficiency ratio | 75.1999% | 2,873 |
| Assets per employee ($millions) | 3.1915% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 5,424 |
| Loan loss allowance to noncurrent loans | 42.3746% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 2.3696% | 1,655 |
| Noncurrent loans to loans | 2.5376% | 1,699 |
| Net loans and leases to total assets | 62.0780% | 3,343 |
| Net loans and leases to deposits | 77.2945% | 2,773 |
| Net loans and leases to core deposits | 86.3492% | 2,372 |
| Total domestic deposits to total assets | 80.3137% | 5,422 |
| Equity capital to assets | 8.3626% | 5,865 |
| Core capital (leverage) ratio | 8.6752% | 5,570 |
| Tier 1 risk-based capital ratio | 13.3243% | 4,888 |
| Total risk-based capital ratio | 14.3601% | 4,997 |
| Memoranda: | ||
| Average total assets | $1,277,233,250 | 518 |
| Average earning assets | $1,095,723,500 | 544 |
| Average equity | $108,267,250 | 660 |
| Average total loans | $774,496,000 | 538 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1401% | 143 |
| Cost of funding earning assets | 0.6829% | 2,201 |
| Net interest margin | 5.4572% | 143 |
| Noninterest income to average assets | 1.4416% | 761 |
| Noninterest expense to average assets | 4.3763% | 587 |
| Loan and lease loss provision to assets | 0.1825% | 2,081 |
| Net operating income to assets | 1.0862% | 1,970 |
| Return on assets (ROA) | 1.0862% | 2,085 |
| Pretax return on assets | 1.5471% | 1,493 |
| Return on Equity (ROE) | 12.7548% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.7548% | 412 |
| Net charge-offs to loans | 0.3081% | 1,953 |
| Credit loss provision to net charge-offs | 98.8851% | 2,269 |
| Earnings coverage of net charge-offs (x) | 9.3722% | 2,294 |
| Efficiency ratio | 70.6232% | 3,707 |
| Assets per employee ($millions) | 3.3083% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 5,390 |
| Loan loss allowance to noncurrent loans | 32.7481% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 2.9756% | 1,369 |
| Noncurrent loans to loans | 3.3961% | 1,257 |
| Net loans and leases to total assets | 60.4852% | 3,578 |
| Net loans and leases to deposits | 75.0083% | 3,009 |
| Net loans and leases to core deposits | 83.2421% | 2,661 |
| Total domestic deposits to total assets | 80.6380% | 5,441 |
| Equity capital to assets | 8.1854% | 6,066 |
| Core capital (leverage) ratio | 8.3724% | 5,802 |
| Tier 1 risk-based capital ratio | 13.3175% | 4,904 |
| Total risk-based capital ratio | 14.3875% | 4,983 |
| Memoranda: | ||
| Average total assets | $1,263,616,670 | 518 |
| Average earning assets | $1,080,042,670 | 549 |
| Average equity | $107,614,330 | 667 |
| Average total loans | $756,950,000 | 553 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7326% | 259 |
| Cost of funding earning assets | 0.6861% | 2,336 |
| Net interest margin | 5.0465% | 273 |
| Noninterest income to average assets | 1.8852% | 465 |
| Noninterest expense to average assets | 4.0967% | 798 |
| Loan and lease loss provision to assets | 0.1577% | 2,295 |
| Net operating income to assets | 1.3127% | 1,248 |
| Return on assets (ROA) | 1.3127% | 1,352 |
| Pretax return on assets | 1.9372% | 680 |
| Return on Equity (ROE) | 15.0966% | 751 |
| Retained earnings to average equity (ytd only) | 15.0966% | 346 |
| Net charge-offs to loans | 0.2415% | 2,003 |
| Credit loss provision to net charge-offs | 110.2273% | 1,690 |
| Earnings coverage of net charge-offs (x) | 14.6455% | 1,443 |
| Efficiency ratio | 65.1475% | 4,804 |
| Assets per employee ($millions) | 3.2613% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 5,271 |
| Loan loss allowance to noncurrent loans | 30.9841% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 3.1642% | 1,380 |
| Noncurrent loans to loans | 3.8076% | 1,212 |
| Net loans and leases to total assets | 55.8123% | 4,119 |
| Net loans and leases to deposits | 69.1370% | 3,621 |
| Net loans and leases to core deposits | 76.5817% | 3,249 |
| Total domestic deposits to total assets | 80.7271% | 5,564 |
| Equity capital to assets | 8.0474% | 6,355 |
| Core capital (leverage) ratio | 9.5822% | 3,954 |
| Tier 1 risk-based capital ratio | 14.0362% | 4,481 |
| Total risk-based capital ratio | 15.1313% | 4,550 |
| Memoranda: | ||
| Average total assets | $1,230,452,500 | 535 |
| Average earning assets | $1,049,998,000 | 573 |
| Average equity | $106,991,000 | 676 |
| Average total loans | $728,691,500 | 578 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1839% | 198 |
| Cost of funding earning assets | 0.8601% | 2,217 |
| Net interest margin | 5.3239% | 227 |
| Noninterest income to average assets | 1.0194% | 1,481 |
| Noninterest expense to average assets | 4.1574% | 817 |
| Loan and lease loss provision to assets | 0.5526% | 1,034 |
| Net operating income to assets | 0.5011% | 4,689 |
| Return on assets (ROA) | 0.6915% | 4,042 |
| Pretax return on assets | 0.9656% | 3,680 |
| Return on Equity (ROE) | 7.2402% | 3,504 |
| Retained earnings to average equity (ytd only) | 5.1071% | 2,637 |
| Net charge-offs to loans | 0.7098% | 1,660 |
| Credit loss provision to net charge-offs | 135.8845% | 2,041 |
| Earnings coverage of net charge-offs (x) | 3.0827% | 3,892 |
| Efficiency ratio | 75.4852% | 2,833 |
| Assets per employee ($millions) | 3.4094% | 5,191 |
| Cash dividends to net income (ytd only)* | 29.4609% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 4,523 |
| Loan loss allowance to noncurrent loans | 33.0392% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 3.6669% | 1,212 |
| Noncurrent loans to loans | 3.9996% | 1,172 |
| Net loans and leases to total assets | 61.8182% | 3,284 |
| Net loans and leases to deposits | 76.6024% | 2,700 |
| Net loans and leases to core deposits | 83.6589% | 2,586 |
| Total domestic deposits to total assets | 80.7001% | 5,486 |
| Equity capital to assets | 9.5042% | 4,869 |
| Core capital (leverage) ratio | 9.5631% | 4,017 |
| Tier 1 risk-based capital ratio | 15.1950% | 3,616 |
| Total risk-based capital ratio | 16.4480% | 3,559 |
| Memoranda: | ||
| Average total assets | $1,073,015,400 | 612 |
| Average earning assets | $885,163,800 | 670 |
| Average equity | $102,483,800 | 693 |
| Average total loans | $614,823,000 | 675 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8357% | 379 |
| Cost of funding earning assets | 0.8802% | 2,312 |
| Net interest margin | 4.9555% | 434 |
| Noninterest income to average assets | 1.1780% | 1,090 |
| Noninterest expense to average assets | 4.1093% | 816 |
| Loan and lease loss provision to assets | 0.4277% | 1,489 |
| Net operating income to assets | 0.4721% | 4,951 |
| Return on assets (ROA) | 0.6002% | 4,658 |
| Pretax return on assets | 0.9058% | 4,082 |
| Return on Equity (ROE) | 6.2760% | 4,186 |
| Retained earnings to average equity (ytd only) | 6.2760% | 2,506 |
| Net charge-offs to loans | 0.5334% | 2,008 |
| Credit loss provision to net charge-offs | 143.3654% | 2,004 |
| Earnings coverage of net charge-offs (x) | 3.8192% | 3,501 |
| Efficiency ratio | 76.8879% | 2,539 |
| Assets per employee ($millions) | 3.3276% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 4,684 |
| Loan loss allowance to noncurrent loans | 24.3283% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 4.4242% | 1,053 |
| Noncurrent loans to loans | 5.4600% | 787 |
| Net loans and leases to total assets | 60.2593% | 3,723 |
| Net loans and leases to deposits | 73.7387% | 3,330 |
| Net loans and leases to core deposits | 78.7701% | 3,357 |
| Total domestic deposits to total assets | 81.7201% | 5,118 |
| Equity capital to assets | 9.9478% | 4,571 |
| Core capital (leverage) ratio | 9.3475% | 4,506 |
| Tier 1 risk-based capital ratio | 15.7377% | 3,405 |
| Total risk-based capital ratio | 16.9900% | 3,369 |
| Memoranda: | ||
| Average total assets | $1,067,663,750 | 619 |
| Average earning assets | $877,040,500 | 684 |
| Average equity | $102,100,750 | 700 |
| Average total loans | $597,125,750 | 688 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4001% | 868 |
| Cost of funding earning assets | 0.8769% | 2,586 |
| Net interest margin | 4.5233% | 952 |
| Noninterest income to average assets | 1.2331% | 938 |
| Noninterest expense to average assets | 3.9633% | 994 |
| Loan and lease loss provision to assets | 0.2779% | 2,362 |
| Net operating income to assets | 0.4825% | 4,901 |
| Return on assets (ROA) | 0.4915% | 5,108 |
| Pretax return on assets | 0.7105% | 4,804 |
| Return on Equity (ROE) | 5.2080% | 4,702 |
| Retained earnings to average equity (ytd only) | 5.2080% | 3,150 |
| Net charge-offs to loans | 0.3044% | 2,811 |
| Credit loss provision to net charge-offs | 168.2844% | 1,662 |
| Earnings coverage of net charge-offs (x) | 5.9063% | 2,732 |
| Efficiency ratio | 78.7561% | 2,357 |
| Assets per employee ($millions) | 3.3234% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 4,766 |
| Loan loss allowance to noncurrent loans | 20.8726% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 4.5362% | 1,093 |
| Noncurrent loans to loans | 6.3504% | 670 |
| Net loans and leases to total assets | 56.8711% | 4,346 |
| Net loans and leases to deposits | 68.6475% | 4,096 |
| Net loans and leases to core deposits | 72.3217% | 4,264 |
| Total domestic deposits to total assets | 82.8452% | 4,807 |
| Equity capital to assets | 9.6506% | 4,834 |
| Core capital (leverage) ratio | 9.3070% | 4,443 |
| Tier 1 risk-based capital ratio | 16.2784% | 3,014 |
| Total risk-based capital ratio | 17.5321% | 2,984 |
| Memoranda: | ||
| Average total assets | $1,073,046,000 | 616 |
| Average earning assets | $879,055,330 | 681 |
| Average equity | $101,266,670 | 703 |
| Average total loans | $582,112,000 | 707 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2889% | 1,120 |
| Cost of funding earning assets | 0.8782% | 2,845 |
| Net interest margin | 4.4107% | 1,205 |
| Noninterest income to average assets | 1.0423% | 1,330 |
| Noninterest expense to average assets | 3.9530% | 990 |
| Loan and lease loss provision to assets | 0.1482% | 3,508 |
| Net operating income to assets | 0.3948% | 5,278 |
| Return on assets (ROA) | 0.4061% | 5,413 |
| Pretax return on assets | 0.5595% | 5,241 |
| Return on Equity (ROE) | 4.3516% | 5,115 |
| Retained earnings to average equity (ytd only) | 4.3516% | 3,982 |
| Net charge-offs to loans | 0.1867% | 2,984 |
| Credit loss provision to net charge-offs | 150.9434% | 1,658 |
| Earnings coverage of net charge-offs (x) | 7.0491% | 2,121 |
| Efficiency ratio | 83.4955% | 1,738 |
| Assets per employee ($millions) | 3.3097% | 5,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 4,823 |
| Loan loss allowance to noncurrent loans | 18.1972% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 5.0373% | 1,033 |
| Noncurrent loans to loans | 7.3911% | 579 |
| Net loans and leases to total assets | 52.1852% | 4,992 |
| Net loans and leases to deposits | 62.9214% | 4,779 |
| Net loans and leases to core deposits | 66.6411% | 4,839 |
| Total domestic deposits to total assets | 82.9372% | 4,954 |
| Equity capital to assets | 9.4743% | 4,846 |
| Core capital (leverage) ratio | 9.1159% | 4,661 |
| Tier 1 risk-based capital ratio | 17.3971% | 2,517 |
| Total risk-based capital ratio | 18.6521% | 2,483 |
| Memoranda: | ||
| Average total assets | $1,079,494,000 | 614 |
| Average earning assets | $881,769,500 | 682 |
| Average equity | $100,744,500 | 706 |
| Average total loans | $567,659,000 | 733 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 3,203 |
| Cost of funding earning assets | 1.2942% | 1,509 |
| Net interest margin | 3.6368% | 4,583 |
| Noninterest income to average assets | 1.7004% | 488 |
| Noninterest expense to average assets | 3.8783% | 1,215 |
| Loan and lease loss provision to assets | 0.3002% | 3,266 |
| Net operating income to assets | 0.4035% | 4,843 |
| Return on assets (ROA) | 0.4533% | 4,835 |
| Pretax return on assets | 0.6042% | 4,679 |
| Return on Equity (ROE) | 4.7214% | 4,522 |
| Retained earnings to average equity (ytd only) | 4.7214% | 2,841 |
| Net charge-offs to loans | 0.7228% | 2,349 |
| Credit loss provision to net charge-offs | 78.2644% | 4,540 |
| Earnings coverage of net charge-offs (x) | 2.1849% | 4,148 |
| Efficiency ratio | 80.7089% | 2,202 |
| Assets per employee ($millions) | 3.3231% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 4,808 |
| Loan loss allowance to noncurrent loans | 106.4035% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.8821% | 3,136 |
| Noncurrent loans to loans | 1.2398% | 4,293 |
| Net loans and leases to total assets | 51.5891% | 5,376 |
| Net loans and leases to deposits | 61.9024% | 5,255 |
| Net loans and leases to core deposits | 66.5262% | 5,204 |
| Total domestic deposits to total assets | 83.3394% | 4,609 |
| Equity capital to assets | 9.1927% | 5,299 |
| Core capital (leverage) ratio | 8.8668% | 4,997 |
| Tier 1 risk-based capital ratio | 17.4953% | 2,386 |
| Total risk-based capital ratio | 18.7523% | 2,347 |
| Memoranda: | ||
| Average total assets | $964,350,200 | 677 |
| Average earning assets | $799,711,200 | 735 |
| Average equity | $92,579,000 | 736 |
| Average total loans | $511,761,200 | 814 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7725% | 4,132 |
| Cost of funding earning assets | 1.3687% | 1,380 |
| Net interest margin | 3.4038% | 5,555 |
| Noninterest income to average assets | 1.8671% | 424 |
| Noninterest expense to average assets | 3.8458% | 1,242 |
| Loan and lease loss provision to assets | 0.3284% | 2,913 |
| Net operating income to assets | 0.3578% | 5,174 |
| Return on assets (ROA) | 0.4215% | 5,089 |
| Pretax return on assets | 0.6258% | 4,725 |
| Return on Equity (ROE) | 4.3371% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.3371% | 3,645 |
| Net charge-offs to loans | 0.9811% | 1,646 |
| Credit loss provision to net charge-offs | 62.8072% | 4,713 |
| Earnings coverage of net charge-offs (x) | 1.6431% | 4,414 |
| Efficiency ratio | 80.2677% | 2,221 |
| Assets per employee ($millions) | 3.5112% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 5,373 |
| Loan loss allowance to noncurrent loans | 86.7651% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.8476% | 3,337 |
| Noncurrent loans to loans | 1.4112% | 4,175 |
| Net loans and leases to total assets | 50.9140% | 5,596 |
| Net loans and leases to deposits | 60.7010% | 5,555 |
| Net loans and leases to core deposits | 64.4005% | 5,575 |
| Total domestic deposits to total assets | 83.8767% | 4,290 |
| Equity capital to assets | 9.0372% | 5,706 |
| Core capital (leverage) ratio | 8.9064% | 5,087 |
| Tier 1 risk-based capital ratio | 17.3997% | 2,485 |
| Total risk-based capital ratio | 18.6519% | 2,454 |
| Memoranda: | ||
| Average total assets | $933,772,750 | 708 |
| Average earning assets | $778,522,000 | 767 |
| Average equity | $90,750,500 | 746 |
| Average total loans | $497,678,500 | 854 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 4,002 |
| Cost of funding earning assets | 1.4303% | 1,280 |
| Net interest margin | 3.3904% | 5,583 |
| Noninterest income to average assets | 1.5965% | 510 |
| Noninterest expense to average assets | 3.8721% | 1,241 |
| Loan and lease loss provision to assets | 0.2959% | 3,036 |
| Net operating income to assets | 0.1729% | 5,823 |
| Return on assets (ROA) | 0.2399% | 5,717 |
| Pretax return on assets | 0.3678% | 5,493 |
| Return on Equity (ROE) | 2.3983% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.3983% | 4,764 |
| Net charge-offs to loans | 1.1863% | 1,322 |
| Credit loss provision to net charge-offs | 46.1648% | 4,674 |
| Earnings coverage of net charge-offs (x) | 0.8746% | 4,639 |
| Efficiency ratio | 85.8023% | 1,624 |
| Assets per employee ($millions) | 3.2547% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 5,057 |
| Loan loss allowance to noncurrent loans | 27.4169% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 3.5092% | 1,876 |
| Noncurrent loans to loans | 4.7438% | 1,387 |
| Net loans and leases to total assets | 52.0474% | 5,555 |
| Net loans and leases to deposits | 62.9423% | 5,399 |
| Net loans and leases to core deposits | 66.6110% | 5,433 |
| Total domestic deposits to total assets | 82.6907% | 4,909 |
| Equity capital to assets | 9.2898% | 5,154 |
| Core capital (leverage) ratio | 8.7877% | 5,070 |
| Tier 1 risk-based capital ratio | 17.0929% | 2,483 |
| Total risk-based capital ratio | 18.3585% | 2,452 |
| Memoranda: | ||
| Average total assets | $878,698,000 | 759 |
| Average earning assets | $735,086,000 | 821 |
| Average equity | $87,894,330 | 766 |
| Average total loans | $474,745,000 | 912 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9521% | 3,320 |
| Cost of funding earning assets | 1.4894% | 1,211 |
| Net interest margin | 3.4627% | 5,171 |
| Noninterest income to average assets | 2.1189% | 336 |
| Noninterest expense to average assets | 3.6950% | 1,546 |
| Loan and lease loss provision to assets | 0.2864% | 2,856 |
| Net operating income to assets | 0.6573% | 3,716 |
| Return on assets (ROA) | 0.6573% | 3,789 |
| Pretax return on assets | 1.0129% | 3,085 |
| Return on Equity (ROE) | 6.3133% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.3133% | 2,458 |
| Net charge-offs to loans | 2.2337% | 540 |
| Credit loss provision to net charge-offs | 23.4101% | 4,218 |
| Earnings coverage of net charge-offs (x) | 1.0620% | 3,868 |
| Efficiency ratio | 73.9845% | 3,515 |
| Assets per employee ($millions) | 3.4750% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 5,479 |
| Loan loss allowance to noncurrent loans | 21.4084% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 4.1372% | 1,601 |
| Noncurrent loans to loans | 5.7490% | 1,126 |
| Net loans and leases to total assets | 51.9225% | 5,593 |
| Net loans and leases to deposits | 64.6656% | 5,169 |
| Net loans and leases to core deposits | 68.4301% | 5,240 |
| Total domestic deposits to total assets | 80.2939% | 5,875 |
| Equity capital to assets | 9.3121% | 4,705 |
| Core capital (leverage) ratio | 9.9325% | 3,223 |
| Tier 1 risk-based capital ratio | 17.0344% | 2,457 |
| Total risk-based capital ratio | 18.2923% | 2,429 |
| Memoranda: | ||
| Average total assets | $837,986,000 | 796 |
| Average earning assets | $695,871,500 | 878 |
| Average equity | $87,245,000 | 764 |
| Average total loans | $458,965,500 | 957 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 4,231 |
| Cost of funding earning assets | 1.4773% | 2,776 |
| Net interest margin | 3.5935% | 4,852 |
| Noninterest income to average assets | 1.9055% | 429 |
| Noninterest expense to average assets | 3.9452% | 1,245 |
| Loan and lease loss provision to assets | 0.8580% | 1,901 |
| Net operating income to assets | 0.2510% | 5,107 |
| Return on assets (ROA) | 0.2969% | 5,113 |
| Pretax return on assets | 0.2878% | 5,264 |
| Return on Equity (ROE) | 3.0729% | 4,927 |
| Retained earnings to average equity (ytd only) | 3.0729% | 3,704 |
| Net charge-offs to loans | 0.9104% | 2,367 |
| Credit loss provision to net charge-offs | 159.0055% | 2,207 |
| Earnings coverage of net charge-offs (x) | 2.0385% | 4,202 |
| Efficiency ratio | 75.1059% | 3,185 |
| Assets per employee ($millions) | 3.3516% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9324% | 2,465 |
| Loan loss allowance to noncurrent loans | 81.4662% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.8744% | 3,519 |
| Noncurrent loans to loans | 2.3720% | 3,148 |
| Net loans and leases to total assets | 56.5265% | 5,254 |
| Net loans and leases to deposits | 76.1076% | 3,822 |
| Net loans and leases to core deposits | 78.1731% | 4,440 |
| Total domestic deposits to total assets | 74.2718% | 6,856 |
| Equity capital to assets | 11.8449% | 2,009 |
| Core capital (leverage) ratio | 12.1132% | 1,474 |
| Tier 1 risk-based capital ratio | 18.5975% | 1,816 |
| Total risk-based capital ratio | 19.8575% | 1,784 |
| Memoranda: | ||
| Average total assets | $641,034,800 | 1,042 |
| Average earning assets | $560,059,400 | 1,082 |
| Average equity | $61,928,800 | 1,077 |
| Average total loans | $379,944,000 | 1,195 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0983% | 4,319 |
| Cost of funding earning assets | 1.5997% | 2,387 |
| Net interest margin | 3.4986% | 5,297 |
| Noninterest income to average assets | 1.3697% | 722 |
| Noninterest expense to average assets | 3.9358% | 1,146 |
| Loan and lease loss provision to assets | 0.4520% | 3,212 |
| Net operating income to assets | 0.1278% | 5,696 |
| Return on assets (ROA) | 0.1774% | 5,737 |
| Pretax return on assets | 0.0850% | 5,941 |
| Return on Equity (ROE) | 1.9663% | 5,622 |
| Retained earnings to average equity (ytd only) | 1.9663% | 4,971 |
| Net charge-offs to loans | 0.5857% | 2,982 |
| Credit loss provision to net charge-offs | 129.1513% | 3,140 |
| Earnings coverage of net charge-offs (x) | 1.3930% | 4,691 |
| Efficiency ratio | 84.1127% | 1,828 |
| Assets per employee ($millions) | 3.2999% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 3,635 |
| Loan loss allowance to noncurrent loans | 53.5618% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.2029% | 3,197 |
| Noncurrent loans to loans | 2.9418% | 2,712 |
| Net loans and leases to total assets | 60.0403% | 4,904 |
| Net loans and leases to deposits | 75.7860% | 4,214 |
| Net loans and leases to core deposits | 78.1134% | 4,790 |
| Total domestic deposits to total assets | 79.2234% | 5,963 |
| Equity capital to assets | 8.4208% | 6,368 |
| Core capital (leverage) ratio | 7.8073% | 6,561 |
| Tier 1 risk-based capital ratio | 12.0151% | 5,449 |
| Total risk-based capital ratio | 13.2706% | 5,415 |
| Memoranda: | ||
| Average total assets | $619,466,750 | 1,080 |
| Average earning assets | $540,663,250 | 1,137 |
| Average equity | $55,873,750 | 1,185 |
| Average total loans | $370,124,500 | 1,232 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0732% | 4,594 |
| Cost of funding earning assets | 1.6026% | 2,638 |
| Net interest margin | 3.4706% | 5,366 |
| Noninterest income to average assets | 1.3231% | 726 |
| Noninterest expense to average assets | 3.5685% | 1,861 |
| Loan and lease loss provision to assets | 0.3837% | 3,412 |
| Net operating income to assets | 0.3420% | 5,006 |
| Return on assets (ROA) | 0.3874% | 4,975 |
| Pretax return on assets | 0.4572% | 5,039 |
| Return on Equity (ROE) | 4.1900% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.1900% | 3,401 |
| Net charge-offs to loans | 0.6660% | 2,546 |
| Credit loss provision to net charge-offs | 97.2105% | 4,204 |
| Earnings coverage of net charge-offs (x) | 1.9949% | 4,030 |
| Efficiency ratio | 81.9213% | 2,178 |
| Assets per employee ($millions) | 3.3955% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 3,677 |
| Loan loss allowance to noncurrent loans | 80.2103% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.5976% | 4,047 |
| Noncurrent loans to loans | 1.9307% | 3,829 |
| Net loans and leases to total assets | 58.1660% | 5,388 |
| Net loans and leases to deposits | 73.7664% | 4,713 |
| Net loans and leases to core deposits | 76.2789% | 5,160 |
| Total domestic deposits to total assets | 78.8516% | 6,076 |
| Equity capital to assets | 8.5584% | 6,089 |
| Core capital (leverage) ratio | 8.5309% | 5,355 |
| Tier 1 risk-based capital ratio | 12.4065% | 4,939 |
| Total risk-based capital ratio | 13.6615% | 4,912 |
| Memoranda: | ||
| Average total assets | $599,360,670 | 1,130 |
| Average earning assets | $523,772,330 | 1,181 |
| Average equity | $55,417,330 | 1,190 |
| Average total loans | $355,273,000 | 1,292 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1657% | 4,222 |
| Cost of funding earning assets | 1.6350% | 2,740 |
| Net interest margin | 3.5307% | 5,036 |
| Noninterest income to average assets | 1.3320% | 682 |
| Noninterest expense to average assets | 3.3338% | 2,418 |
| Loan and lease loss provision to assets | 0.3511% | 3,275 |
| Net operating income to assets | 0.5593% | 4,087 |
| Return on assets (ROA) | 0.6404% | 3,829 |
| Pretax return on assets | 0.8440% | 3,691 |
| Return on Equity (ROE) | 6.6403% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.6403% | 2,303 |
| Net charge-offs to loans | 0.8796% | 1,797 |
| Credit loss provision to net charge-offs | 67.2043% | 4,159 |
| Earnings coverage of net charge-offs (x) | 2.0833% | 3,497 |
| Efficiency ratio | 75.3890% | 3,333 |
| Assets per employee ($millions) | 4.1049% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 3,067 |
| Loan loss allowance to noncurrent loans | 89.2298% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.7645% | 3,837 |
| Noncurrent loans to loans | 1.9031% | 3,919 |
| Net loans and leases to total assets | 59.0060% | 5,286 |
| Net loans and leases to deposits | 77.9848% | 4,050 |
| Net loans and leases to core deposits | 81.6190% | 4,544 |
| Total domestic deposits to total assets | 75.6635% | 6,809 |
| Equity capital to assets | 9.7116% | 4,213 |
| Core capital (leverage) ratio | 9.2789% | 4,087 |
| Tier 1 risk-based capital ratio | 13.9953% | 3,657 |
| Total risk-based capital ratio | 15.2557% | 3,615 |
| Memoranda: | ||
| Average total assets | $569,675,000 | 1,224 |
| Average earning assets | $498,599,500 | 1,287 |
| Average equity | $54,937,500 | 1,214 |
| Average total loans | $338,317,000 | 1,385 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3275% | 5,041 |
| Cost of funding earning assets | 2.0106% | 2,916 |
| Net interest margin | 3.3169% | 5,674 |
| Noninterest income to average assets | 1.2008% | 1,069 |
| Noninterest expense to average assets | 3.3544% | 2,820 |
| Loan and lease loss provision to assets | 1.5126% | 1,521 |
| Net operating income to assets | -0.3762% | 6,053 |
| Return on assets (ROA) | -0.2636% | 5,917 |
| Pretax return on assets | -0.5647% | 6,064 |
| Return on Equity (ROE) | -2.3525% | 5,902 |
| Retained earnings to average equity (ytd only) | -4.1524% | 5,891 |
| Net charge-offs to loans | 2.0886% | 1,171 |
| Credit loss provision to net charge-offs | 117.3525% | 4,621 |
| Earnings coverage of net charge-offs (x) | 0.5990% | 5,509 |
| Efficiency ratio | 81.2903% | 2,702 |
| Assets per employee ($millions) | 4.2445% | 3,352 |
| Cash dividends to net income (ytd only)* | -76.5111% | 7,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 2,501 |
| Loan loss allowance to noncurrent loans | 71.6058% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.7937% | 3,674 |
| Noncurrent loans to loans | 2.5328% | 3,021 |
| Net loans and leases to total assets | 57.6826% | 5,708 |
| Net loans and leases to deposits | 76.1795% | 4,715 |
| Net loans and leases to core deposits | 93.2382% | 4,753 |
| Total domestic deposits to total assets | 75.7194% | 6,736 |
| Equity capital to assets | 9.5755% | 4,308 |
| Core capital (leverage) ratio | 11.1771% | 2,125 |
| Tier 1 risk-based capital ratio | 14.1921% | 3,386 |
| Total risk-based capital ratio | 15.4513% | 3,335 |
| Memoranda: | ||
| Average total assets | $495,821,600 | 1,394 |
| Average earning assets | $437,338,000 | 1,447 |
| Average equity | $55,558,000 | 1,182 |
| Average total loans | $305,991,000 | 1,566 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5340% | 4,248 |
| Cost of funding earning assets | 2.1790% | 2,507 |
| Net interest margin | 3.3550% | 5,427 |
| Noninterest income to average assets | 1.3146% | 894 |
| Noninterest expense to average assets | 3.4553% | 2,404 |
| Loan and lease loss provision to assets | 1.0609% | 1,828 |
| Net operating income to assets | -0.0446% | 5,793 |
| Return on assets (ROA) | 0.0980% | 5,523 |
| Pretax return on assets | -0.0215% | 5,740 |
| Return on Equity (ROE) | 0.8382% | 5,547 |
| Retained earnings to average equity (ytd only) | -1.5498% | 5,622 |
| Net charge-offs to loans | 0.3225% | 4,025 |
| Credit loss provision to net charge-offs | 525.5878% | 747 |
| Earnings coverage of net charge-offs (x) | 4.0456% | 3,286 |
| Efficiency ratio | 80.8849% | 2,722 |
| Assets per employee ($millions) | 3.9946% | 3,741 |
| Cash dividends to net income (ytd only)* | 284.8992% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6823% | 897 |
| Loan loss allowance to noncurrent loans | 61.8014% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 2.9701% | 2,330 |
| Noncurrent loans to loans | 4.3402% | 1,642 |
| Net loans and leases to total assets | 62.3213% | 5,188 |
| Net loans and leases to deposits | 89.1794% | 2,747 |
| Net loans and leases to core deposits | 102.4383% | 4,112 |
| Total domestic deposits to total assets | 69.8831% | 7,424 |
| Equity capital to assets | 12.0499% | 2,217 |
| Core capital (leverage) ratio | 11.9093% | 1,842 |
| Tier 1 risk-based capital ratio | 16.4274% | 2,463 |
| Total risk-based capital ratio | 17.7073% | 2,392 |
| Memoranda: | ||
| Average total assets | $477,585,500 | 1,466 |
| Average earning assets | $420,977,500 | 1,519 |
| Average equity | $55,832,000 | 1,193 |
| Average total loans | $298,954,000 | 1,625 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5572% | 4,299 |
| Cost of funding earning assets | 2.3084% | 2,326 |
| Net interest margin | 3.2487% | 5,744 |
| Noninterest income to average assets | 1.2532% | 976 |
| Noninterest expense to average assets | 3.4030% | 2,618 |
| Loan and lease loss provision to assets | 0.5405% | 2,869 |
| Net operating income to assets | 0.1675% | 5,359 |
| Return on assets (ROA) | 0.2961% | 5,025 |
| Pretax return on assets | 0.3139% | 5,183 |
| Return on Equity (ROE) | 2.5579% | 5,073 |
| Retained earnings to average equity (ytd only) | -1.0347% | 5,495 |
| Net charge-offs to loans | 0.3373% | 3,491 |
| Credit loss provision to net charge-offs | 257.9365% | 1,802 |
| Earnings coverage of net charge-offs (x) | 3.4246% | 3,440 |
| Efficiency ratio | 82.5832% | 2,655 |
| Assets per employee ($millions) | 3.9301% | 3,819 |
| Cash dividends to net income (ytd only)* | 140.4494% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 1,689 |
| Loan loss allowance to noncurrent loans | 47.4762% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 2.8004% | 2,297 |
| Noncurrent loans to loans | 4.0912% | 1,637 |
| Net loans and leases to total assets | 62.5629% | 5,259 |
| Net loans and leases to deposits | 89.4904% | 2,898 |
| Net loans and leases to core deposits | 104.2275% | 4,039 |
| Total domestic deposits to total assets | 69.9102% | 7,482 |
| Equity capital to assets | 11.9625% | 2,227 |
| Core capital (leverage) ratio | 11.7585% | 1,949 |
| Tier 1 risk-based capital ratio | 16.9950% | 2,304 |
| Total risk-based capital ratio | 18.2508% | 2,249 |
| Memoranda: | ||
| Average total assets | $480,992,330 | 1,472 |
| Average earning assets | $424,532,670 | 1,529 |
| Average equity | $55,670,330 | 1,209 |
| Average total loans | $298,840,000 | 1,658 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6008% | 4,352 |
| Cost of funding earning assets | 2.3716% | 2,408 |
| Net interest margin | 3.2292% | 5,761 |
| Noninterest income to average assets | 1.2867% | 862 |
| Noninterest expense to average assets | 3.1723% | 3,101 |
| Loan and lease loss provision to assets | 0.6536% | 1,931 |
| Net operating income to assets | 0.3685% | 4,980 |
| Return on assets (ROA) | 0.3856% | 5,101 |
| Pretax return on assets | 0.3390% | 5,558 |
| Return on Equity (ROE) | 3.3855% | 5,215 |
| Retained earnings to average equity (ytd only) | -3.7872% | 6,397 |
| Net charge-offs to loans | 0.4209% | 2,420 |
| Credit loss provision to net charge-offs | 253.1646% | 1,855 |
| Earnings coverage of net charge-offs (x) | 3.7785% | 3,069 |
| Efficiency ratio | 76.4822% | 3,404 |
| Assets per employee ($millions) | 4.1396% | 3,381 |
| Cash dividends to net income (ytd only)* | 211.8644% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8229% | 1,800 |
| Loan loss allowance to noncurrent loans | 68.6497% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.9107% | 3,038 |
| Noncurrent loans to loans | 2.6554% | 2,473 |
| Net loans and leases to total assets | 60.4364% | 5,585 |
| Net loans and leases to deposits | 90.7641% | 2,817 |
| Net loans and leases to core deposits | 108.0408% | 3,671 |
| Total domestic deposits to total assets | 66.5863% | 7,698 |
| Equity capital to assets | 11.4899% | 2,594 |
| Core capital (leverage) ratio | 11.4657% | 2,169 |
| Tier 1 risk-based capital ratio | 16.2000% | 2,615 |
| Total risk-based capital ratio | 17.4537% | 2,556 |
| Memoranda: | ||
| Average total assets | $489,614,500 | 1,454 |
| Average earning assets | $433,798,000 | 1,496 |
| Average equity | $55,767,500 | 1,214 |
| Average total loans | $300,319,500 | 1,668 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2561% | 4,211 |
| Cost of funding earning assets | 2.9124% | 2,214 |
| Net interest margin | 3.3437% | 5,891 |
| Noninterest income to average assets | 1.4734% | 652 |
| Noninterest expense to average assets | 3.3819% | 2,728 |
| Loan and lease loss provision to assets | 0.6967% | 2,105 |
| Net operating income to assets | 0.3831% | 5,217 |
| Return on assets (ROA) | 0.1017% | 5,951 |
| Pretax return on assets | -0.0620% | 6,225 |
| Return on Equity (ROE) | 0.8809% | 5,955 |
| Retained earnings to average equity (ytd only) | -1.9509% | 5,855 |
| Net charge-offs to loans | 0.9100% | 1,365 |
| Credit loss provision to net charge-offs | 119.0053% | 4,529 |
| Earnings coverage of net charge-offs (x) | 1.8352% | 5,156 |
| Efficiency ratio | 75.8914% | 3,247 |
| Assets per employee ($millions) | 4.1241% | 3,265 |
| Cash dividends to net income (ytd only)* | 321.4724% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 2,105 |
| Loan loss allowance to noncurrent loans | 67.9989% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.8885% | 2,603 |
| Noncurrent loans to loans | 2.4070% | 2,278 |
| Net loans and leases to total assets | 60.1216% | 5,893 |
| Net loans and leases to deposits | 87.8745% | 3,824 |
| Net loans and leases to core deposits | 104.6645% | 4,338 |
| Total domestic deposits to total assets | 68.4176% | 7,428 |
| Equity capital to assets | 11.2924% | 2,812 |
| Core capital (leverage) ratio | 11.0449% | 2,558 |
| Tier 1 risk-based capital ratio | 15.4052% | 2,874 |
| Total risk-based capital ratio | 16.6593% | 2,811 |
| Memoranda: | ||
| Average total assets | $480,860,400 | 1,428 |
| Average earning assets | $428,956,200 | 1,457 |
| Average equity | $55,513,400 | 1,214 |
| Average total loans | $309,350,600 | 1,567 |