Home > Horry County State Bank > Performance and Condition Ratios
Horry County State Bank, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7993% | 3,898 |
| Cost of funding earning assets | 0.7412% | 719 |
| Net interest margin | 3.0581% | 4,776 |
| Noninterest income to average assets | 0.4527% | 3,337 |
| Noninterest expense to average assets | 2.8458% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3932% | 4,989 |
| Return on assets (ROA) | 0.3932% | 5,017 |
| Pretax return on assets | 0.3932% | 5,182 |
| Return on Equity (ROE) | 4.2465% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.2465% | 3,182 |
| Net charge-offs to loans | 0.0957% | 1,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.9815% | 2,650 |
| Efficiency ratio | 87.8602% | 555 |
| Assets per employee ($millions) | 4.9397% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 1,346 |
| Loan loss allowance to noncurrent loans | 192.2914% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 2,242 |
| Noncurrent loans to loans | 0.8142% | 2,373 |
| Net loans and leases to total assets | 58.6801% | 3,957 |
| Net loans and leases to deposits | 71.0791% | 3,821 |
| Net loans and leases to core deposits | 73.6301% | 3,969 |
| Total domestic deposits to total assets | 82.5561% | 3,702 |
| Equity capital to assets | 9.4313% | 4,482 |
| Core capital (leverage) ratio | 9.9716% | 3,571 |
| Tier 1 risk-based capital ratio | 14.8385% | 3,000 |
| Total risk-based capital ratio | 16.0901% | 2,921 |
| Memoranda: | ||
| Average total assets | $383,511,670 | 1,793 |
| Average earning assets | $349,429,000 | 1,818 |
| Average equity | $35,511,670 | 2,048 |
| Average total loans | $225,592,000 | 1,973 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 3,863 |
| Cost of funding earning assets | 0.7372% | 702 |
| Net interest margin | 3.0345% | 4,820 |
| Noninterest income to average assets | 0.4251% | 3,478 |
| Noninterest expense to average assets | 2.8515% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3325% | 5,123 |
| Return on assets (ROA) | 0.3325% | 5,148 |
| Pretax return on assets | 0.3325% | 5,267 |
| Return on Equity (ROE) | 3.6254% | 4,912 |
| Retained earnings to average equity (ytd only) | 3.6254% | 3,626 |
| Net charge-offs to loans | 0.0594% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.5758% | 1,988 |
| Efficiency ratio | 89.5572% | 578 |
| Assets per employee ($millions) | 4.7430% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 1,327 |
| Loan loss allowance to noncurrent loans | 194.0992% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.1796% | 1,491 |
| Noncurrent loans to loans | 0.8361% | 2,365 |
| Net loans and leases to total assets | 58.6476% | 3,919 |
| Net loans and leases to deposits | 69.7163% | 3,832 |
| Net loans and leases to core deposits | 73.4218% | 3,886 |
| Total domestic deposits to total assets | 84.1233% | 3,432 |
| Equity capital to assets | 9.1802% | 4,636 |
| Core capital (leverage) ratio | 10.0819% | 3,395 |
| Tier 1 risk-based capital ratio | 14.6920% | 3,119 |
| Total risk-based capital ratio | 15.9443% | 3,043 |
| Memoranda: | ||
| Average total assets | $380,151,000 | 1,815 |
| Average earning assets | $345,629,000 | 1,845 |
| Average equity | $34,865,500 | 2,088 |
| Average total loans | $222,072,500 | 2,010 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7342% | 4,112 |
| Cost of funding earning assets | 0.8014% | 503 |
| Net interest margin | 2.9328% | 5,077 |
| Noninterest income to average assets | -1.1932% | 5,911 |
| Noninterest expense to average assets | 3.5480% | 1,088 |
| Loan and lease loss provision to assets | 1.0517% | 96 |
| Net operating income to assets | -2.1305% | 5,881 |
| Return on assets (ROA) | -2.1183% | 5,881 |
| Pretax return on assets | -3.1708% | 5,893 |
| Return on Equity (ROE) | -30.9967% | 5,889 |
| Retained earnings to average equity (ytd only) | -30.9967% | 5,879 |
| Net charge-offs to loans | 2.3026% | 55 |
| Credit loss provision to net charge-offs | 82.1743% | 2,941 |
| Earnings coverage of net charge-offs (x) | -1.6701% | 4,187 |
| Efficiency ratio | 251.5203% | 5 |
| Assets per employee ($millions) | 4.6434% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 1,051 |
| Loan loss allowance to noncurrent loans | 185.1852% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 1.3060% | 1,343 |
| Noncurrent loans to loans | 0.9414% | 2,204 |
| Net loans and leases to total assets | 56.1960% | 4,250 |
| Net loans and leases to deposits | 67.2808% | 4,148 |
| Net loans and leases to core deposits | 69.5320% | 4,282 |
| Total domestic deposits to total assets | 83.5245% | 3,594 |
| Equity capital to assets | 9.1626% | 4,631 |
| Core capital (leverage) ratio | 9.9514% | 3,549 |
| Tier 1 risk-based capital ratio | 15.1907% | 2,887 |
| Total risk-based capital ratio | 16.4440% | 2,819 |
| Memoranda: | ||
| Average total assets | $373,030,400 | 1,797 |
| Average earning assets | $331,182,200 | 1,868 |
| Average equity | $25,493,000 | 2,677 |
| Average total loans | $207,328,400 | 2,061 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7419% | 4,111 |
| Cost of funding earning assets | 0.8119% | 472 |
| Net interest margin | 2.9300% | 5,133 |
| Noninterest income to average assets | -1.7242% | 5,980 |
| Noninterest expense to average assets | 3.7371% | 807 |
| Loan and lease loss provision to assets | 1.7851% | 47 |
| Net operating income to assets | -3.2692% | 5,965 |
| Return on assets (ROA) | -3.2521% | 5,965 |
| Pretax return on assets | -4.6357% | 5,974 |
| Return on Equity (ROE) | -52.0687% | 5,972 |
| Retained earnings to average equity (ytd only) | -52.0687% | 5,967 |
| Net charge-offs to loans | 3.1875% | 34 |
| Credit loss provision to net charge-offs | 101.5071% | 2,318 |
| Earnings coverage of net charge-offs (x) | -1.6348% | 3,864 |
| Efficiency ratio | 433.4857% | 4 |
| Assets per employee ($millions) | 4.1902% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2354% | 482 |
| Loan loss allowance to noncurrent loans | 501.7167% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 1,475 |
| Noncurrent loans to loans | 0.4456% | 3,684 |
| Net loans and leases to total assets | 53.6317% | 4,525 |
| Net loans and leases to deposits | 62.9552% | 4,560 |
| Net loans and leases to core deposits | 63.7405% | 4,738 |
| Total domestic deposits to total assets | 85.1903% | 2,723 |
| Equity capital to assets | 9.4276% | 4,742 |
| Core capital (leverage) ratio | 9.3792% | 4,357 |
| Tier 1 risk-based capital ratio | 15.0862% | 3,007 |
| Total risk-based capital ratio | 16.3447% | 2,940 |
| Memoranda: | ||
| Average total assets | $372,259,000 | 1,800 |
| Average earning assets | $328,592,000 | 1,884 |
| Average equity | $23,250,750 | 2,890 |
| Average total loans | $205,382,500 | 2,087 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 4,246 |
| Cost of funding earning assets | 0.8196% | 441 |
| Net interest margin | 2.8961% | 5,273 |
| Noninterest income to average assets | -2.0155% | 6,057 |
| Noninterest expense to average assets | 3.8495% | 718 |
| Loan and lease loss provision to assets | 2.6996% | 26 |
| Net operating income to assets | -3.9371% | 6,045 |
| Return on assets (ROA) | -3.9670% | 6,045 |
| Pretax return on assets | -6.0594% | 6,054 |
| Return on Equity (ROE) | -77.0204% | 6,053 |
| Retained earnings to average equity (ytd only) | -77.0204% | 6,050 |
| Net charge-offs to loans | 4.9903% | 17 |
| Credit loss provision to net charge-offs | 97.8598% | 2,156 |
| Earnings coverage of net charge-offs (x) | -1.2013% | 3,591 |
| Efficiency ratio | 718.6047% | 3 |
| Assets per employee ($millions) | 4.2080% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2090% | 537 |
| Loan loss allowance to noncurrent loans | 103.4308% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 3.2296% | 363 |
| Noncurrent loans to loans | 2.1357% | 905 |
| Net loans and leases to total assets | 51.9312% | 4,681 |
| Net loans and leases to deposits | 61.2552% | 4,716 |
| Net loans and leases to core deposits | 61.9702% | 4,890 |
| Total domestic deposits to total assets | 84.7784% | 2,974 |
| Equity capital to assets | 9.9269% | 4,310 |
| Core capital (leverage) ratio | 9.9020% | 3,680 |
| Tier 1 risk-based capital ratio | 16.3210% | 2,493 |
| Total risk-based capital ratio | 17.5795% | 2,436 |
| Memoranda: | ||
| Average total assets | $369,244,000 | 1,815 |
| Average earning assets | $325,262,000 | 1,902 |
| Average equity | $19,018,330 | 3,300 |
| Average total loans | $204,118,000 | 2,105 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,059 |
| Cost of funding earning assets | 0.8480% | 393 |
| Net interest margin | 2.9226% | 5,280 |
| Noninterest income to average assets | -1.0651% | 6,117 |
| Noninterest expense to average assets | 3.1358% | 2,005 |
| Loan and lease loss provision to assets | 1.5717% | 54 |
| Net operating income to assets | -3.2163% | 6,095 |
| Return on assets (ROA) | -3.1976% | 6,094 |
| Pretax return on assets | -3.1976% | 6,089 |
| Return on Equity (ROE) | -121.7099% | 6,119 |
| Retained earnings to average equity (ytd only) | -121.7099% | 6,110 |
| Net charge-offs to loans | 4.5105% | 18 |
| Credit loss provision to net charge-offs | 61.7520% | 1,966 |
| Earnings coverage of net charge-offs (x) | -0.6461% | 3,003 |
| Efficiency ratio | 210.2887% | 17 |
| Assets per employee ($millions) | 3.9077% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 1,025 |
| Loan loss allowance to noncurrent loans | 60.8276% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 4.7835% | 178 |
| Noncurrent loans to loans | 3.0626% | 521 |
| Net loans and leases to total assets | 53.9097% | 4,463 |
| Net loans and leases to deposits | 58.3817% | 4,830 |
| Net loans and leases to core deposits | 59.0398% | 4,995 |
| Total domestic deposits to total assets | 92.3402% | 78 |
| Equity capital to assets | 2.3431% | 6,112 |
| Core capital (leverage) ratio | 2.5615% | 6,111 |
| Tier 1 risk-based capital ratio | 3.9110% | 6,111 |
| Total risk-based capital ratio | 5.1650% | 6,110 |
| Memoranda: | ||
| Average total assets | $362,401,000 | 1,852 |
| Average earning assets | $316,974,000 | 1,954 |
| Average equity | $9,521,000 | 4,758 |
| Average total loans | $204,501,000 | 2,101 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 3,442 |
| Cost of funding earning assets | 0.8749% | 325 |
| Net interest margin | 3.0920% | 4,922 |
| Noninterest income to average assets | 0.8005% | 1,791 |
| Noninterest expense to average assets | 3.2202% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2489% | 5,484 |
| Return on assets (ROA) | 0.3057% | 5,423 |
| Pretax return on assets | 0.3127% | 5,498 |
| Return on Equity (ROE) | 11.5465% | 1,426 |
| Retained earnings to average equity (ytd only) | 11.5465% | 286 |
| Net charge-offs to loans | 0.5263% | 487 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.8592% | 4,167 |
| Efficiency ratio | 92.6691% | 543 |
| Assets per employee ($millions) | 4.0605% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1976% | 595 |
| Loan loss allowance to noncurrent loans | 52.6370% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 6.1887% | 125 |
| Noncurrent loans to loans | 4.1750% | 277 |
| Net loans and leases to total assets | 56.6611% | 4,237 |
| Net loans and leases to deposits | 61.8851% | 4,640 |
| Net loans and leases to core deposits | 62.5916% | 4,836 |
| Total domestic deposits to total assets | 91.5586% | 165 |
| Equity capital to assets | 2.9129% | 6,165 |
| Core capital (leverage) ratio | 3.2755% | 6,164 |
| Tier 1 risk-based capital ratio | 4.6669% | 6,167 |
| Total risk-based capital ratio | 5.9233% | 6,168 |
| Memoranda: | ||
| Average total assets | $400,011,800 | 1,649 |
| Average earning assets | $345,994,600 | 1,757 |
| Average equity | $10,592,000 | 4,555 |
| Average total loans | $225,356,400 | 1,891 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 3,560 |
| Cost of funding earning assets | 0.8779% | 323 |
| Net interest margin | 3.0676% | 5,039 |
| Noninterest income to average assets | 0.9197% | 1,401 |
| Noninterest expense to average assets | 3.2126% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3377% | 5,351 |
| Return on assets (ROA) | 0.4094% | 5,220 |
| Pretax return on assets | 0.4312% | 5,395 |
| Return on Equity (ROE) | 15.8112% | 620 |
| Retained earnings to average equity (ytd only) | 15.8112% | 135 |
| Net charge-offs to loans | 0.4453% | 574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.4269% | 3,840 |
| Efficiency ratio | 90.0310% | 695 |
| Assets per employee ($millions) | 4.1132% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2825% | 584 |
| Loan loss allowance to noncurrent loans | 73.9361% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 6.6860% | 122 |
| Noncurrent loans to loans | 3.0871% | 559 |
| Net loans and leases to total assets | 56.8056% | 4,267 |
| Net loans and leases to deposits | 61.8299% | 4,732 |
| Net loans and leases to core deposits | 63.6267% | 4,839 |
| Total domestic deposits to total assets | 91.8740% | 109 |
| Equity capital to assets | 2.9684% | 6,255 |
| Core capital (leverage) ratio | 3.0350% | 6,256 |
| Tier 1 risk-based capital ratio | 4.3740% | 6,254 |
| Total risk-based capital ratio | 5.6309% | 6,256 |
| Memoranda: | ||
| Average total assets | $409,668,000 | 1,618 |
| Average earning assets | $353,707,000 | 1,716 |
| Average equity | $10,608,250 | 4,603 |
| Average total loans | $229,353,750 | 1,878 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7710% | 4,175 |
| Cost of funding earning assets | 0.8723% | 329 |
| Net interest margin | 2.8987% | 5,445 |
| Noninterest income to average assets | 0.7756% | 1,896 |
| Noninterest expense to average assets | 3.1189% | 2,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1536% | 5,803 |
| Return on assets (ROA) | 0.2485% | 5,660 |
| Pretax return on assets | 0.2638% | 5,720 |
| Return on Equity (ROE) | 10.0385% | 2,049 |
| Retained earnings to average equity (ytd only) | 10.0385% | 654 |
| Net charge-offs to loans | 0.1617% | 1,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.8191% | 3,447 |
| Efficiency ratio | 95.0384% | 477 |
| Assets per employee ($millions) | 4.0172% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4159% | 538 |
| Loan loss allowance to noncurrent loans | 62.1973% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 6.5009% | 138 |
| Noncurrent loans to loans | 3.8843% | 407 |
| Net loans and leases to total assets | 54.6569% | 4,486 |
| Net loans and leases to deposits | 58.8046% | 4,940 |
| Net loans and leases to core deposits | 60.5668% | 5,038 |
| Total domestic deposits to total assets | 92.9466% | 55 |
| Equity capital to assets | 2.3982% | 6,336 |
| Core capital (leverage) ratio | 2.7309% | 6,335 |
| Tier 1 risk-based capital ratio | 3.8793% | 6,337 |
| Total risk-based capital ratio | 5.1374% | 6,337 |
| Memoranda: | ||
| Average total assets | $420,085,670 | 1,601 |
| Average earning assets | $363,193,330 | 1,686 |
| Average equity | $10,400,000 | 4,670 |
| Average total loans | $232,477,670 | 1,860 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6626% | 4,490 |
| Cost of funding earning assets | 0.8697% | 335 |
| Net interest margin | 2.7929% | 5,659 |
| Noninterest income to average assets | 1.0160% | 1,085 |
| Noninterest expense to average assets | 2.9912% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4184% | 5,005 |
| Return on assets (ROA) | 0.5396% | 4,627 |
| Pretax return on assets | 0.5652% | 5,007 |
| Return on Equity (ROE) | 21.4692% | 209 |
| Retained earnings to average equity (ytd only) | 21.4692% | 77 |
| Net charge-offs to loans | 0.6837% | 354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.1633% | 2,959 |
| Efficiency ratio | 87.2381% | 1,078 |
| Assets per employee ($millions) | 4.0866% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3417% | 669 |
| Loan loss allowance to noncurrent loans | 61.1067% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 6.4420% | 153 |
| Noncurrent loans to loans | 3.8321% | 465 |
| Net loans and leases to total assets | 52.8803% | 4,564 |
| Net loans and leases to deposits | 56.9401% | 4,987 |
| Net loans and leases to core deposits | 59.3291% | 5,051 |
| Total domestic deposits to total assets | 92.8700% | 68 |
| Equity capital to assets | 2.6378% | 6,407 |
| Core capital (leverage) ratio | 2.7418% | 6,406 |
| Tier 1 risk-based capital ratio | 4.2821% | 6,406 |
| Total risk-based capital ratio | 5.5415% | 6,406 |
| Memoranda: | ||
| Average total assets | $423,241,500 | 1,597 |
| Average earning assets | $365,639,000 | 1,682 |
| Average equity | $10,638,500 | 4,666 |
| Average total loans | $232,839,000 | 1,850 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 2,789 |
| Cost of funding earning assets | 0.9879% | 246 |
| Net interest margin | 3.2593% | 4,718 |
| Noninterest income to average assets | 0.6374% | 2,632 |
| Noninterest expense to average assets | 2.9753% | 2,917 |
| Loan and lease loss provision to assets | 0.2410% | 976 |
| Net operating income to assets | 0.2122% | 5,742 |
| Return on assets (ROA) | 0.2551% | 5,704 |
| Pretax return on assets | 0.2728% | 5,751 |
| Return on Equity (ROE) | 14.9006% | 793 |
| Retained earnings to average equity (ytd only) | 14.9006% | 151 |
| Net charge-offs to loans | 1.8959% | 108 |
| Credit loss provision to net charge-offs | 22.4931% | 3,946 |
| Earnings coverage of net charge-offs (x) | 0.4369% | 4,642 |
| Efficiency ratio | 86.4032% | 1,130 |
| Assets per employee ($millions) | 4.0527% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4569% | 589 |
| Loan loss allowance to noncurrent loans | 48.9180% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 7.4336% | 132 |
| Noncurrent loans to loans | 5.0224% | 291 |
| Net loans and leases to total assets | 54.5125% | 4,511 |
| Net loans and leases to deposits | 58.6934% | 5,010 |
| Net loans and leases to core deposits | 62.0011% | 4,997 |
| Total domestic deposits to total assets | 92.8767% | 72 |
| Equity capital to assets | 2.3883% | 6,498 |
| Core capital (leverage) ratio | 2.5293% | 6,499 |
| Tier 1 risk-based capital ratio | 3.7938% | 6,499 |
| Total risk-based capital ratio | 5.0532% | 6,499 |
| Memoranda: | ||
| Average total assets | $440,197,400 | 1,510 |
| Average earning assets | $378,976,200 | 1,596 |
| Average equity | $7,536,600 | 5,301 |
| Average total loans | $248,803,000 | 1,695 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 2,754 |
| Cost of funding earning assets | 0.9917% | 256 |
| Net interest margin | 3.2761% | 4,693 |
| Noninterest income to average assets | 0.4783% | 3,700 |
| Noninterest expense to average assets | 2.9410% | 2,989 |
| Loan and lease loss provision to assets | 0.2248% | 1,008 |
| Net operating income to assets | 0.1175% | 6,002 |
| Return on assets (ROA) | 0.1507% | 5,977 |
| Pretax return on assets | 0.1711% | 5,982 |
| Return on Equity (ROE) | 9.7136% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.7136% | 773 |
| Net charge-offs to loans | 2.1043% | 94 |
| Credit loss provision to net charge-offs | 18.8490% | 3,589 |
| Earnings coverage of net charge-offs (x) | 0.3003% | 4,409 |
| Efficiency ratio | 89.1443% | 914 |
| Assets per employee ($millions) | 4.0567% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5303% | 625 |
| Loan loss allowance to noncurrent loans | 62.6285% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 6.7033% | 185 |
| Noncurrent loans to loans | 4.0402% | 518 |
| Net loans and leases to total assets | 55.1450% | 4,443 |
| Net loans and leases to deposits | 59.6507% | 4,975 |
| Net loans and leases to core deposits | 63.1566% | 4,953 |
| Total domestic deposits to total assets | 92.4466% | 114 |
| Equity capital to assets | 1.9476% | 6,578 |
| Core capital (leverage) ratio | 2.2969% | 6,577 |
| Tier 1 risk-based capital ratio | 3.3556% | 6,578 |
| Total risk-based capital ratio | 4.6153% | 6,578 |
| Memoranda: | ||
| Average total assets | $444,877,750 | 1,503 |
| Average earning assets | $383,049,500 | 1,599 |
| Average equity | $6,904,250 | 5,488 |
| Average total loans | $252,117,750 | 1,684 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 2,636 |
| Cost of funding earning assets | 0.9933% | 262 |
| Net interest margin | 3.2918% | 4,625 |
| Noninterest income to average assets | 0.6377% | 2,616 |
| Noninterest expense to average assets | 3.0641% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3831% | 5,284 |
| Return on assets (ROA) | 0.4254% | 5,197 |
| Pretax return on assets | 0.4482% | 5,427 |
| Return on Equity (ROE) | 29.8700% | 59 |
| Retained earnings to average equity (ytd only) | 29.8700% | 28 |
| Net charge-offs to loans | 1.9418% | 120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.3665% | 4,059 |
| Efficiency ratio | 88.3616% | 1,053 |
| Assets per employee ($millions) | 4.3144% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7744% | 481 |
| Loan loss allowance to noncurrent loans | 72.0976% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 6.9652% | 188 |
| Noncurrent loans to loans | 3.8481% | 635 |
| Net loans and leases to total assets | 53.9502% | 4,548 |
| Net loans and leases to deposits | 58.2396% | 5,021 |
| Net loans and leases to core deposits | 61.9021% | 4,974 |
| Total domestic deposits to total assets | 92.6348% | 107 |
| Equity capital to assets | 1.9600% | 6,646 |
| Core capital (leverage) ratio | 2.3467% | 6,643 |
| Tier 1 risk-based capital ratio | 3.4497% | 6,645 |
| Total risk-based capital ratio | 4.7120% | 6,645 |
| Memoranda: | ||
| Average total assets | $448,480,330 | 1,488 |
| Average earning assets | $385,568,330 | 1,594 |
| Average equity | $6,387,670 | 5,638 |
| Average total loans | $254,296,330 | 1,670 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3293% | 2,412 |
| Cost of funding earning assets | 0.9992% | 277 |
| Net interest margin | 3.3302% | 4,422 |
| Noninterest income to average assets | 0.7898% | 1,796 |
| Noninterest expense to average assets | 3.0407% | 2,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5706% | 4,347 |
| Return on assets (ROA) | 0.6141% | 4,207 |
| Pretax return on assets | 0.6481% | 4,668 |
| Return on Equity (ROE) | 53.2867% | 20 |
| Retained earnings to average equity (ytd only) | 53.2867% | 13 |
| Net charge-offs to loans | 0.6490% | 567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.6193% | 3,055 |
| Efficiency ratio | 83.4646% | 1,737 |
| Assets per employee ($millions) | 4.3608% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5391% | 259 |
| Loan loss allowance to noncurrent loans | 80.2132% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 7.2775% | 202 |
| Noncurrent loans to loans | 4.4121% | 564 |
| Net loans and leases to total assets | 53.7402% | 4,453 |
| Net loans and leases to deposits | 57.6736% | 4,975 |
| Net loans and leases to core deposits | 61.8957% | 4,893 |
| Total domestic deposits to total assets | 93.1799% | 98 |
| Equity capital to assets | 1.4781% | 6,720 |
| Core capital (leverage) ratio | 2.3281% | 6,714 |
| Tier 1 risk-based capital ratio | 3.3354% | 6,715 |
| Total risk-based capital ratio | 4.6054% | 6,715 |
| Memoranda: | ||
| Average total assets | $446,217,000 | 1,498 |
| Average earning assets | $382,323,500 | 1,610 |
| Average equity | $5,142,000 | 5,961 |
| Average total loans | $255,758,500 | 1,663 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,857 |
| Cost of funding earning assets | 1.0222% | 401 |
| Net interest margin | 3.3044% | 4,652 |
| Noninterest income to average assets | 0.5632% | 3,308 |
| Noninterest expense to average assets | 3.3464% | 2,012 |
| Loan and lease loss provision to assets | -0.3264% | 6,687 |
| Net operating income to assets | 0.3862% | 5,188 |
| Return on assets (ROA) | 0.4511% | 5,076 |
| Pretax return on assets | 0.4511% | 5,357 |
| Return on Equity (ROE) | 34.1464% | 44 |
| Retained earnings to average equity (ytd only) | 34.1464% | 22 |
| Net charge-offs to loans | 1.1448% | 476 |
| Credit loss provision to net charge-offs | -46.6355% | 5,790 |
| Earnings coverage of net charge-offs (x) | 0.0854% | 5,062 |
| Efficiency ratio | 98.2460% | 537 |
| Assets per employee ($millions) | 4.2190% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6826% | 248 |
| Loan loss allowance to noncurrent loans | 88.8251% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 8.1932% | 180 |
| Noncurrent loans to loans | 4.1459% | 679 |
| Net loans and leases to total assets | 56.8354% | 4,212 |
| Net loans and leases to deposits | 60.7913% | 4,860 |
| Net loans and leases to core deposits | 65.4173% | 4,742 |
| Total domestic deposits to total assets | 93.4927% | 100 |
| Equity capital to assets | 0.8091% | 6,806 |
| Core capital (leverage) ratio | 2.1672% | 6,792 |
| Tier 1 risk-based capital ratio | 3.0722% | 6,794 |
| Total risk-based capital ratio | 4.3432% | 6,794 |
| Memoranda: | ||
| Average total assets | $458,607,000 | 1,444 |
| Average earning assets | $394,560,200 | 1,533 |
| Average equity | $6,059,200 | 5,812 |
| Average total loans | $280,408,000 | 1,506 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 3,123 |
| Cost of funding earning assets | 1.0179% | 450 |
| Net interest margin | 3.2497% | 4,832 |
| Noninterest income to average assets | 0.3995% | 4,546 |
| Noninterest expense to average assets | 3.2594% | 2,180 |
| Loan and lease loss provision to assets | -0.3444% | 6,791 |
| Net operating income to assets | 0.2916% | 5,643 |
| Return on assets (ROA) | 0.3771% | 5,481 |
| Pretax return on assets | 0.3771% | 5,689 |
| Return on Equity (ROE) | 26.1682% | 103 |
| Retained earnings to average equity (ytd only) | 26.1682% | 39 |
| Net charge-offs to loans | 1.5297% | 296 |
| Credit loss provision to net charge-offs | -36.5186% | 5,684 |
| Earnings coverage of net charge-offs (x) | -0.0560% | 4,871 |
| Efficiency ratio | 101.6467% | 414 |
| Assets per employee ($millions) | 4.2902% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6254% | 304 |
| Loan loss allowance to noncurrent loans | 64.8504% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 9.6690% | 147 |
| Noncurrent loans to loans | 5.5904% | 482 |
| Net loans and leases to total assets | 56.4906% | 4,248 |
| Net loans and leases to deposits | 60.4646% | 4,917 |
| Net loans and leases to core deposits | 65.8768% | 4,726 |
| Total domestic deposits to total assets | 93.4276% | 98 |
| Equity capital to assets | 0.9875% | 6,886 |
| Core capital (leverage) ratio | 1.9475% | 6,886 |
| Tier 1 risk-based capital ratio | 2.7477% | 6,887 |
| Total risk-based capital ratio | 4.0186% | 6,887 |
| Memoranda: | ||
| Average total assets | $464,620,000 | 1,429 |
| Average earning assets | $401,345,750 | 1,516 |
| Average equity | $6,695,000 | 5,718 |
| Average total loans | $286,404,000 | 1,486 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 3,570 |
| Cost of funding earning assets | 1.0109% | 517 |
| Net interest margin | 3.1321% | 5,182 |
| Noninterest income to average assets | 0.3197% | 5,147 |
| Noninterest expense to average assets | 3.1618% | 2,473 |
| Loan and lease loss provision to assets | -0.4274% | 6,862 |
| Net operating income to assets | 0.3056% | 5,588 |
| Return on assets (ROA) | 0.4330% | 5,249 |
| Pretax return on assets | 0.4330% | 5,569 |
| Return on Equity (ROE) | 27.2690% | 95 |
| Retained earnings to average equity (ytd only) | 27.2690% | 41 |
| Net charge-offs to loans | 0.9904% | 617 |
| Credit loss provision to net charge-offs | -68.9180% | 5,569 |
| Earnings coverage of net charge-offs (x) | -0.1964% | 4,617 |
| Efficiency ratio | 104.0073% | 383 |
| Assets per employee ($millions) | 4.3163% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0813% | 243 |
| Loan loss allowance to noncurrent loans | 52.6271% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 9.8067% | 154 |
| Noncurrent loans to loans | 7.7551% | 272 |
| Net loans and leases to total assets | 58.9821% | 3,832 |
| Net loans and leases to deposits | 63.2976% | 4,582 |
| Net loans and leases to core deposits | 69.4272% | 4,331 |
| Total domestic deposits to total assets | 93.1822% | 113 |
| Equity capital to assets | 1.1635% | 6,934 |
| Core capital (leverage) ratio | 1.8936% | 6,934 |
| Tier 1 risk-based capital ratio | 2.5903% | 6,933 |
| Total risk-based capital ratio | 3.8677% | 6,933 |
| Memoranda: | ||
| Average total assets | $467,905,330 | 1,418 |
| Average earning assets | $406,372,330 | 1,498 |
| Average equity | $7,429,670 | 5,579 |
| Average total loans | $293,017,670 | 1,438 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 3,710 |
| Cost of funding earning assets | 1.0260% | 530 |
| Net interest margin | 3.0781% | 5,336 |
| Noninterest income to average assets | 0.3379% | 4,994 |
| Noninterest expense to average assets | 3.0437% | 2,856 |
| Loan and lease loss provision to assets | -0.8533% | 6,991 |
| Net operating income to assets | 0.8251% | 3,025 |
| Return on assets (ROA) | 0.8968% | 2,823 |
| Pretax return on assets | 0.8968% | 3,778 |
| Return on Equity (ROE) | 49.8547% | 29 |
| Retained earnings to average equity (ytd only) | 49.8547% | 18 |
| Net charge-offs to loans | 1.6057% | 324 |
| Credit loss provision to net charge-offs | -84.1043% | 5,122 |
| Earnings coverage of net charge-offs (x) | -0.0278% | 3,832 |
| Efficiency ratio | 100.9338% | 511 |
| Assets per employee ($millions) | 4.3384% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1221% | 257 |
| Loan loss allowance to noncurrent loans | 53.7380% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 9.8298% | 201 |
| Noncurrent loans to loans | 7.6707% | 360 |
| Net loans and leases to total assets | 59.3769% | 3,541 |
| Net loans and leases to deposits | 63.9384% | 4,328 |
| Net loans and leases to core deposits | 69.9453% | 4,093 |
| Total domestic deposits to total assets | 92.8658% | 136 |
| Equity capital to assets | 1.9155% | 7,006 |
| Core capital (leverage) ratio | 1.8695% | 7,007 |
| Tier 1 risk-based capital ratio | 2.5511% | 7,006 |
| Total risk-based capital ratio | 3.8287% | 7,006 |
| Memoranda: | ||
| Average total assets | $468,778,000 | 1,429 |
| Average earning assets | $407,788,500 | 1,507 |
| Average equity | $8,432,500 | 5,378 |
| Average total loans | $296,201,500 | 1,432 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4582% | 3,576 |
| Cost of funding earning assets | 1.0660% | 1,048 |
| Net interest margin | 3.3922% | 4,914 |
| Noninterest income to average assets | 0.1122% | 6,462 |
| Noninterest expense to average assets | 2.9192% | 3,568 |
| Loan and lease loss provision to assets | 2.0367% | 99 |
| Net operating income to assets | -1.8458% | 6,912 |
| Return on assets (ROA) | -1.5280% | 6,875 |
| Pretax return on assets | -1.5280% | 6,855 |
| Return on Equity (ROE) | -65.8838% | 7,045 |
| Retained earnings to average equity (ytd only) | -65.8838% | 7,044 |
| Net charge-offs to loans | 5.2201% | 28 |
| Credit loss provision to net charge-offs | 59.9727% | 4,447 |
| Earnings coverage of net charge-offs (x) | 0.0562% | 5,462 |
| Efficiency ratio | 93.8619% | 805 |
| Assets per employee ($millions) | 4.2253% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6818% | 166 |
| Loan loss allowance to noncurrent loans | 62.7077% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 8.9612% | 274 |
| Noncurrent loans to loans | 7.4661% | 409 |
| Net loans and leases to total assets | 61.4239% | 3,352 |
| Net loans and leases to deposits | 66.0633% | 4,274 |
| Net loans and leases to core deposits | 75.1424% | 3,639 |
| Total domestic deposits to total assets | 92.9773% | 134 |
| Equity capital to assets | 1.6823% | 7,070 |
| Core capital (leverage) ratio | 1.5612% | 7,072 |
| Tier 1 risk-based capital ratio | 2.2283% | 7,071 |
| Total risk-based capital ratio | 3.5133% | 7,072 |
| Memoranda: | ||
| Average total assets | $517,016,800 | 1,293 |
| Average earning assets | $456,934,400 | 1,336 |
| Average equity | $11,990,800 | 4,566 |
| Average total loans | $336,354,200 | 1,250 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 3,717 |
| Cost of funding earning assets | 1.0704% | 1,196 |
| Net interest margin | 3.4096% | 5,004 |
| Noninterest income to average assets | 0.4670% | 4,165 |
| Noninterest expense to average assets | 3.0458% | 3,073 |
| Loan and lease loss provision to assets | 1.9873% | 124 |
| Net operating income to assets | -1.5450% | 6,975 |
| Return on assets (ROA) | -1.1793% | 6,924 |
| Pretax return on assets | -1.1793% | 6,908 |
| Return on Equity (ROE) | -47.9295% | 7,114 |
| Retained earnings to average equity (ytd only) | -47.9295% | 7,109 |
| Net charge-offs to loans | 2.8303% | 201 |
| Credit loss provision to net charge-offs | 107.7039% | 2,733 |
| Earnings coverage of net charge-offs (x) | 0.2397% | 5,208 |
| Efficiency ratio | 87.3194% | 1,270 |
| Assets per employee ($millions) | 4.4909% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6917% | 48 |
| Loan loss allowance to noncurrent loans | 70.6161% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 10.2051% | 232 |
| Noncurrent loans to loans | 9.4762% | 277 |
| Net loans and leases to total assets | 59.2170% | 3,927 |
| Net loans and leases to deposits | 63.8960% | 4,723 |
| Net loans and leases to core deposits | 71.9284% | 4,262 |
| Total domestic deposits to total assets | 92.6771% | 140 |
| Equity capital to assets | 2.1799% | 7,161 |
| Core capital (leverage) ratio | 2.0865% | 7,161 |
| Tier 1 risk-based capital ratio | 2.9856% | 7,158 |
| Total risk-based capital ratio | 4.2933% | 7,158 |
| Memoranda: | ||
| Average total assets | $529,018,500 | 1,277 |
| Average earning assets | $468,738,000 | 1,318 |
| Average equity | $13,016,000 | 4,394 |
| Average total loans | $344,884,250 | 1,233 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 3,694 |
| Cost of funding earning assets | 1.0736% | 1,342 |
| Net interest margin | 3.4451% | 4,902 |
| Noninterest income to average assets | 0.4937% | 3,956 |
| Noninterest expense to average assets | 2.8079% | 3,988 |
| Loan and lease loss provision to assets | 1.2605% | 319 |
| Net operating income to assets | -0.5165% | 6,739 |
| Return on assets (ROA) | -0.3396% | 6,695 |
| Pretax return on assets | -0.3396% | 6,663 |
| Return on Equity (ROE) | -13.3190% | 6,961 |
| Retained earnings to average equity (ytd only) | -13.3190% | 6,915 |
| Net charge-offs to loans | 3.4716% | 154 |
| Credit loss provision to net charge-offs | 55.2278% | 3,926 |
| Earnings coverage of net charge-offs (x) | 0.3260% | 4,915 |
| Efficiency ratio | 79.0543% | 2,314 |
| Assets per employee ($millions) | 4.5797% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4771% | 109 |
| Loan loss allowance to noncurrent loans | 60.0260% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 10.1416% | 252 |
| Noncurrent loans to loans | 9.1245% | 326 |
| Net loans and leases to total assets | 59.9230% | 3,835 |
| Net loans and leases to deposits | 66.0619% | 4,504 |
| Net loans and leases to core deposits | 77.0072% | 3,658 |
| Total domestic deposits to total assets | 90.7074% | 558 |
| Equity capital to assets | 2.6519% | 7,194 |
| Core capital (leverage) ratio | 2.7749% | 7,189 |
| Tier 1 risk-based capital ratio | 3.7981% | 7,192 |
| Total risk-based capital ratio | 5.0915% | 7,192 |
| Memoranda: | ||
| Average total assets | $534,705,330 | 1,265 |
| Average earning assets | $474,645,670 | 1,305 |
| Average equity | $13,634,670 | 4,268 |
| Average total loans | $351,543,000 | 1,194 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 3,321 |
| Cost of funding earning assets | 1.0928% | 1,436 |
| Net interest margin | 3.5454% | 4,509 |
| Noninterest income to average assets | 0.5376% | 3,645 |
| Noninterest expense to average assets | 2.7209% | 4,351 |
| Loan and lease loss provision to assets | 0.9828% | 430 |
| Net operating income to assets | -0.0067% | 6,426 |
| Return on assets (ROA) | 0.0470% | 6,454 |
| Pretax return on assets | 0.0470% | 6,456 |
| Return on Equity (ROE) | 1.8795% | 6,107 |
| Retained earnings to average equity (ytd only) | 1.8795% | 5,305 |
| Net charge-offs to loans | 2.0127% | 466 |
| Credit loss provision to net charge-offs | 72.9790% | 2,859 |
| Earnings coverage of net charge-offs (x) | 0.7248% | 3,976 |
| Efficiency ratio | 73.5982% | 3,158 |
| Assets per employee ($millions) | 4.6290% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8972% | 89 |
| Loan loss allowance to noncurrent loans | 47.5982% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 11.0745% | 242 |
| Noncurrent loans to loans | 12.3894% | 184 |
| Net loans and leases to total assets | 61.4858% | 3,358 |
| Net loans and leases to deposits | 67.3421% | 4,173 |
| Net loans and leases to core deposits | 78.5099% | 3,258 |
| Total domestic deposits to total assets | 91.3035% | 439 |
| Equity capital to assets | 2.6085% | 7,252 |
| Core capital (leverage) ratio | 2.9324% | 7,239 |
| Tier 1 risk-based capital ratio | 4.0154% | 7,247 |
| Total risk-based capital ratio | 5.3154% | 7,246 |
| Memoranda: | ||
| Average total assets | $536,433,000 | 1,261 |
| Average earning assets | $478,025,000 | 1,300 |
| Average equity | $13,408,000 | 4,326 |
| Average total loans | $358,921,000 | 1,168 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6414% | 4,492 |
| Cost of funding earning assets | 1.3885% | 1,089 |
| Net interest margin | 3.2529% | 5,948 |
| Noninterest income to average assets | 0.1568% | 6,365 |
| Noninterest expense to average assets | 3.1281% | 3,102 |
| Loan and lease loss provision to assets | 4.0776% | 49 |
| Net operating income to assets | -4.9328% | 7,301 |
| Return on assets (ROA) | -4.4565% | 7,284 |
| Pretax return on assets | -3.6738% | 7,250 |
| Return on Equity (ROE) | -111.3337% | 7,318 |
| Retained earnings to average equity (ytd only) | -111.3337% | 7,318 |
| Net charge-offs to loans | 4.5520% | 103 |
| Credit loss provision to net charge-offs | 135.9972% | 2,200 |
| Earnings coverage of net charge-offs (x) | -0.0242% | 5,842 |
| Efficiency ratio | 102.3710% | 606 |
| Assets per employee ($millions) | 4.4289% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7707% | 108 |
| Loan loss allowance to noncurrent loans | 47.3167% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 11.2750% | 252 |
| Noncurrent loans to loans | 12.1958% | 211 |
| Net loans and leases to total assets | 64.5300% | 3,074 |
| Net loans and leases to deposits | 70.3808% | 4,033 |
| Net loans and leases to core deposits | 85.9837% | 2,635 |
| Total domestic deposits to total assets | 91.6869% | 286 |
| Equity capital to assets | 2.3902% | 7,301 |
| Core capital (leverage) ratio | 2.9038% | 7,273 |
| Tier 1 risk-based capital ratio | 3.8454% | 7,284 |
| Total risk-based capital ratio | 5.1442% | 7,285 |
| Memoranda: | ||
| Average total assets | $619,745,200 | 1,049 |
| Average earning assets | $552,270,000 | 1,077 |
| Average equity | $24,807,400 | 2,602 |
| Average total loans | $408,216,800 | 1,038 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 4,447 |
| Cost of funding earning assets | 1.4677% | 959 |
| Net interest margin | 3.2355% | 6,060 |
| Noninterest income to average assets | -0.0031% | 7,123 |
| Noninterest expense to average assets | 3.1770% | 2,895 |
| Loan and lease loss provision to assets | 4.1984% | 51 |
| Net operating income to assets | -5.5048% | 7,389 |
| Return on assets (ROA) | -4.9594% | 7,378 |
| Pretax return on assets | -3.9499% | 7,333 |
| Return on Equity (ROE) | -114.2705% | 7,391 |
| Retained earnings to average equity (ytd only) | -114.2705% | 7,391 |
| Net charge-offs to loans | 4.7751% | 105 |
| Credit loss provision to net charge-offs | 134.5987% | 2,366 |
| Earnings coverage of net charge-offs (x) | -0.0952% | 5,656 |
| Efficiency ratio | 110.3107% | 424 |
| Assets per employee ($millions) | 4.2900% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0262% | 182 |
| Loan loss allowance to noncurrent loans | 54.3824% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 9.1754% | 421 |
| Noncurrent loans to loans | 9.2424% | 410 |
| Net loans and leases to total assets | 68.2368% | 2,436 |
| Net loans and leases to deposits | 74.9797% | 3,510 |
| Net loans and leases to core deposits | 93.9691% | 1,793 |
| Total domestic deposits to total assets | 91.0070% | 430 |
| Equity capital to assets | 3.1540% | 7,357 |
| Core capital (leverage) ratio | 3.3096% | 7,340 |
| Tier 1 risk-based capital ratio | 4.3453% | 7,357 |
| Total risk-based capital ratio | 5.6371% | 7,358 |
| Memoranda: | ||
| Average total assets | $640,706,250 | 1,018 |
| Average earning assets | $570,951,000 | 1,043 |
| Average equity | $27,807,000 | 2,344 |
| Average total loans | $418,522,250 | 1,004 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7551% | 4,267 |
| Cost of funding earning assets | 1.5519% | 833 |
| Net interest margin | 3.2032% | 6,153 |
| Noninterest income to average assets | 0.1950% | 6,272 |
| Noninterest expense to average assets | 3.3369% | 2,442 |
| Loan and lease loss provision to assets | 5.2374% | 45 |
| Net operating income to assets | -6.9339% | 7,481 |
| Return on assets (ROA) | -6.1725% | 7,464 |
| Pretax return on assets | -4.7646% | 7,428 |
| Return on Equity (ROE) | -132.4486% | 7,459 |
| Retained earnings to average equity (ytd only) | -132.4486% | 7,459 |
| Net charge-offs to loans | 5.1400% | 114 |
| Credit loss provision to net charge-offs | 160.3112% | 1,893 |
| Earnings coverage of net charge-offs (x) | -0.0884% | 5,336 |
| Efficiency ratio | 109.4713% | 484 |
| Assets per employee ($millions) | 4.1915% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1428% | 172 |
| Loan loss allowance to noncurrent loans | 69.9228% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 8.0778% | 566 |
| Noncurrent loans to loans | 7.3549% | 671 |
| Net loans and leases to total assets | 67.8250% | 2,655 |
| Net loans and leases to deposits | 75.2474% | 3,608 |
| Net loans and leases to core deposits | 95.2041% | 1,764 |
| Total domestic deposits to total assets | 90.1360% | 903 |
| Equity capital to assets | 3.5677% | 7,411 |
| Core capital (leverage) ratio | 3.2926% | 7,413 |
| Tier 1 risk-based capital ratio | 4.7921% | 7,407 |
| Total risk-based capital ratio | 6.0851% | 7,405 |
| Memoranda: | ||
| Average total assets | $672,666,330 | 982 |
| Average earning assets | $599,146,670 | 997 |
| Average equity | $31,348,000 | 2,106 |
| Average total loans | $427,547,330 | 1,007 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 4,551 |
| Cost of funding earning assets | 1.6576% | 656 |
| Net interest margin | 3.0365% | 6,495 |
| Noninterest income to average assets | 0.0150% | 7,261 |
| Noninterest expense to average assets | 3.0881% | 3,303 |
| Loan and lease loss provision to assets | 4.7376% | 69 |
| Net operating income to assets | -5.0934% | 7,492 |
| Return on assets (ROA) | -4.0877% | 7,453 |
| Pretax return on assets | -4.0877% | 7,441 |
| Return on Equity (ROE) | -80.2317% | 7,483 |
| Retained earnings to average equity (ytd only) | -80.2317% | 7,476 |
| Net charge-offs to loans | 6.3932% | 97 |
| Credit loss provision to net charge-offs | 122.6862% | 2,236 |
| Earnings coverage of net charge-offs (x) | -0.0921% | 4,639 |
| Efficiency ratio | 113.0197% | 441 |
| Assets per employee ($millions) | 4.7221% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7690% | 499 |
| Loan loss allowance to noncurrent loans | 64.3985% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 5.9611% | 977 |
| Noncurrent loans to loans | 5.8526% | 1,101 |
| Net loans and leases to total assets | 62.5106% | 3,758 |
| Net loans and leases to deposits | 72.7382% | 3,957 |
| Net loans and leases to core deposits | 92.7438% | 2,044 |
| Total domestic deposits to total assets | 85.9392% | 3,552 |
| Equity capital to assets | 4.9382% | 7,380 |
| Core capital (leverage) ratio | 4.0001% | 7,438 |
| Tier 1 risk-based capital ratio | 6.5172% | 7,402 |
| Total risk-based capital ratio | 7.7941% | 7,403 |
| Memoranda: | ||
| Average total assets | $721,879,000 | 925 |
| Average earning assets | $646,012,000 | 940 |
| Average equity | $36,778,500 | 1,807 |
| Average total loans | $436,023,500 | 1,002 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5798% | 6,172 |
| Cost of funding earning assets | 1.9183% | 789 |
| Net interest margin | 2.6615% | 7,161 |
| Noninterest income to average assets | 0.0440% | 7,139 |
| Noninterest expense to average assets | 2.1653% | 6,704 |
| Loan and lease loss provision to assets | 2.9410% | 332 |
| Net operating income to assets | -2.1484% | 7,094 |
| Return on assets (ROA) | -2.1271% | 7,104 |
| Pretax return on assets | -2.6288% | 7,205 |
| Return on Equity (ROE) | -33.7842% | 7,276 |
| Retained earnings to average equity (ytd only) | -33.7842% | 7,266 |
| Net charge-offs to loans | 3.3742% | 441 |
| Credit loss provision to net charge-offs | 143.2010% | 2,609 |
| Earnings coverage of net charge-offs (x) | 0.1392% | 5,978 |
| Efficiency ratio | 88.3368% | 1,452 |
| Assets per employee ($millions) | 5.4680% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2510% | 706 |
| Loan loss allowance to noncurrent loans | 57.5029% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 5.3453% | 1,160 |
| Noncurrent loans to loans | 5.6537% | 1,150 |
| Net loans and leases to total assets | 54.7616% | 5,531 |
| Net loans and leases to deposits | 68.1603% | 5,081 |
| Net loans and leases to core deposits | 89.2859% | 2,858 |
| Total domestic deposits to total assets | 80.3424% | 5,739 |
| Equity capital to assets | 5.2254% | 7,418 |
| Core capital (leverage) ratio | 4.8539% | 7,431 |
| Tier 1 risk-based capital ratio | 7.7252% | 7,370 |
| Total risk-based capital ratio | 8.9951% | 7,373 |
| Memoranda: | ||
| Average total assets | $784,914,800 | 861 |
| Average earning assets | $709,946,800 | 865 |
| Average equity | $49,419,600 | 1,352 |
| Average total loans | $477,741,200 | 941 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 6,363 |
| Cost of funding earning assets | 1.9502% | 881 |
| Net interest margin | 2.6396% | 7,285 |
| Noninterest income to average assets | 0.2412% | 6,165 |
| Noninterest expense to average assets | 2.1923% | 6,624 |
| Loan and lease loss provision to assets | 2.6369% | 377 |
| Net operating income to assets | -1.4366% | 7,091 |
| Return on assets (ROA) | -1.4154% | 7,102 |
| Pretax return on assets | -2.1672% | 7,238 |
| Return on Equity (ROE) | -21.5603% | 7,255 |
| Retained earnings to average equity (ytd only) | -21.5603% | 7,241 |
| Net charge-offs to loans | 2.6268% | 631 |
| Credit loss provision to net charge-offs | 162.0794% | 2,323 |
| Earnings coverage of net charge-offs (x) | 0.2687% | 5,755 |
| Efficiency ratio | 83.3775% | 1,906 |
| Assets per employee ($millions) | 5.4348% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8521% | 958 |
| Loan loss allowance to noncurrent loans | 62.3109% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 4.8117% | 1,371 |
| Noncurrent loans to loans | 4.5772% | 1,566 |
| Net loans and leases to total assets | 57.0242% | 5,410 |
| Net loans and leases to deposits | 72.5046% | 4,761 |
| Net loans and leases to core deposits | 93.4580% | 2,599 |
| Total domestic deposits to total assets | 78.6491% | 6,105 |
| Equity capital to assets | 6.3886% | 7,438 |
| Core capital (leverage) ratio | 6.2131% | 7,401 |
| Tier 1 risk-based capital ratio | 9.3440% | 7,290 |
| Total risk-based capital ratio | 10.6098% | 7,297 |
| Memoranda: | ||
| Average total assets | $784,297,250 | 864 |
| Average earning assets | $709,578,500 | 867 |
| Average equity | $51,488,500 | 1,298 |
| Average total loans | $485,758,000 | 930 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 6,182 |
| Cost of funding earning assets | 1.9639% | 1,005 |
| Net interest margin | 2.7233% | 7,233 |
| Noninterest income to average assets | 0.4501% | 4,516 |
| Noninterest expense to average assets | 2.1756% | 6,709 |
| Loan and lease loss provision to assets | 2.9351% | 338 |
| Net operating income to assets | -1.4332% | 7,132 |
| Return on assets (ROA) | -1.4128% | 7,130 |
| Pretax return on assets | -2.1630% | 7,282 |
| Return on Equity (ROE) | -21.3228% | 7,299 |
| Retained earnings to average equity (ytd only) | -21.3228% | 7,284 |
| Net charge-offs to loans | 2.5164% | 681 |
| Credit loss provision to net charge-offs | 184.9895% | 2,128 |
| Earnings coverage of net charge-offs (x) | 0.4669% | 5,248 |
| Efficiency ratio | 74.6009% | 3,349 |
| Assets per employee ($millions) | 5.1675% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6348% | 1,157 |
| Loan loss allowance to noncurrent loans | 62.0830% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 4.7611% | 1,364 |
| Noncurrent loans to loans | 4.2441% | 1,757 |
| Net loans and leases to total assets | 59.2885% | 5,201 |
| Net loans and leases to deposits | 75.9365% | 4,349 |
| Net loans and leases to core deposits | 118.6087% | 746 |
| Total domestic deposits to total assets | 78.0764% | 6,251 |
| Equity capital to assets | 6.6609% | 7,448 |
| Core capital (leverage) ratio | 6.5976% | 7,348 |
| Tier 1 risk-based capital ratio | 9.8090% | 7,127 |
| Total risk-based capital ratio | 11.0729% | 7,104 |
| Memoranda: | ||
| Average total assets | $777,611,330 | 878 |
| Average earning assets | $704,221,000 | 876 |
| Average equity | $51,522,330 | 1,292 |
| Average total loans | $490,296,330 | 927 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8292% | 5,766 |
| Cost of funding earning assets | 1.9036% | 1,436 |
| Net interest margin | 2.9257% | 6,975 |
| Noninterest income to average assets | 0.4716% | 4,282 |
| Noninterest expense to average assets | 2.2178% | 6,639 |
| Loan and lease loss provision to assets | 0.9436% | 1,334 |
| Net operating income to assets | -0.0179% | 6,333 |
| Return on assets (ROA) | 0.0088% | 6,378 |
| Pretax return on assets | 0.0135% | 6,323 |
| Return on Equity (ROE) | 0.1339% | 6,367 |
| Retained earnings to average equity (ytd only) | 0.1339% | 5,768 |
| Net charge-offs to loans | 1.2321% | 1,377 |
| Credit loss provision to net charge-offs | 119.3548% | 2,919 |
| Earnings coverage of net charge-offs (x) | 1.1587% | 4,070 |
| Efficiency ratio | 70.7690% | 4,165 |
| Assets per employee ($millions) | 4.9513% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 3,514 |
| Loan loss allowance to noncurrent loans | 36.5784% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 4.0525% | 1,686 |
| Noncurrent loans to loans | 4.3360% | 1,746 |
| Net loans and leases to total assets | 62.4126% | 4,674 |
| Net loans and leases to deposits | 80.7477% | 3,506 |
| Net loans and leases to core deposits | 139.2610% | 336 |
| Total domestic deposits to total assets | 77.2933% | 6,494 |
| Equity capital to assets | 6.5663% | 7,512 |
| Core capital (leverage) ratio | 6.5889% | 7,432 |
| Tier 1 risk-based capital ratio | 9.5504% | 7,277 |
| Total risk-based capital ratio | 10.8030% | 7,270 |
| Memoranda: | ||
| Average total assets | $768,518,500 | 902 |
| Average earning assets | $699,322,000 | 898 |
| Average equity | $50,780,000 | 1,316 |
| Average total loans | $493,152,500 | 951 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1802% | 5,741 |
| Cost of funding earning assets | 2.2771% | 1,743 |
| Net interest margin | 2.9032% | 6,864 |
| Noninterest income to average assets | 0.4024% | 5,182 |
| Noninterest expense to average assets | 2.4389% | 6,342 |
| Loan and lease loss provision to assets | 1.4498% | 1,588 |
| Net operating income to assets | -0.5099% | 6,192 |
| Return on assets (ROA) | -0.1426% | 5,744 |
| Pretax return on assets | -0.2386% | 5,748 |
| Return on Equity (ROE) | -2.0423% | 5,863 |
| Retained earnings to average equity (ytd only) | -2.0423% | 5,526 |
| Net charge-offs to loans | 1.5584% | 1,618 |
| Credit loss provision to net charge-offs | 142.8709% | 3,364 |
| Earnings coverage of net charge-offs (x) | 0.6280% | 5,467 |
| Efficiency ratio | 79.2849% | 2,993 |
| Assets per employee ($millions) | 4.6322% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 3,597 |
| Loan loss allowance to noncurrent loans | 32.5237% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 3.8923% | 1,706 |
| Noncurrent loans to loans | 4.6901% | 1,500 |
| Net loans and leases to total assets | 63.9470% | 4,612 |
| Net loans and leases to deposits | 83.8916% | 3,296 |
| Net loans and leases to core deposits | 108.2815% | 3,073 |
| Total domestic deposits to total assets | 76.2258% | 6,634 |
| Equity capital to assets | 6.6497% | 7,517 |
| Core capital (leverage) ratio | 6.4683% | 7,505 |
| Tier 1 risk-based capital ratio | 9.3944% | 7,282 |
| Total risk-based capital ratio | 10.6464% | 7,265 |
| Memoranda: | ||
| Average total assets | $714,664,000 | 953 |
| Average earning assets | $658,175,600 | 945 |
| Average equity | $49,895,000 | 1,349 |
| Average total loans | $465,353,800 | 1,035 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2004% | 5,875 |
| Cost of funding earning assets | 2.3377% | 1,851 |
| Net interest margin | 2.8627% | 6,931 |
| Noninterest income to average assets | 0.3601% | 5,618 |
| Noninterest expense to average assets | 2.4238% | 6,337 |
| Loan and lease loss provision to assets | 1.0960% | 1,783 |
| Net operating income to assets | -0.3931% | 6,313 |
| Return on assets (ROA) | 0.0459% | 5,646 |
| Pretax return on assets | 0.0607% | 5,599 |
| Return on Equity (ROE) | 0.6487% | 5,593 |
| Retained earnings to average equity (ytd only) | 0.6487% | 4,920 |
| Net charge-offs to loans | 1.2499% | 1,636 |
| Credit loss provision to net charge-offs | 134.5590% | 3,697 |
| Earnings coverage of net charge-offs (x) | 0.7110% | 5,329 |
| Efficiency ratio | 80.7158% | 2,742 |
| Assets per employee ($millions) | 4.7031% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 5,007 |
| Loan loss allowance to noncurrent loans | 27.3676% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 3.5146% | 1,889 |
| Noncurrent loans to loans | 4.4565% | 1,575 |
| Net loans and leases to total assets | 61.5873% | 5,313 |
| Net loans and leases to deposits | 80.5768% | 4,285 |
| Net loans and leases to core deposits | 101.0344% | 4,260 |
| Total domestic deposits to total assets | 76.4331% | 6,489 |
| Equity capital to assets | 6.7448% | 7,692 |
| Core capital (leverage) ratio | 6.7176% | 7,574 |
| Tier 1 risk-based capital ratio | 9.4711% | 7,396 |
| Total risk-based capital ratio | 10.5833% | 7,459 |
| Memoranda: | ||
| Average total assets | $703,409,000 | 982 |
| Average earning assets | $649,338,250 | 970 |
| Average equity | $49,739,500 | 1,376 |
| Average total loans | $458,362,250 | 1,064 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3635% | 5,332 |
| Cost of funding earning assets | 2.4248% | 1,860 |
| Net interest margin | 2.9387% | 6,712 |
| Noninterest income to average assets | 0.3934% | 5,344 |
| Noninterest expense to average assets | 2.5247% | 6,039 |
| Loan and lease loss provision to assets | 1.2579% | 1,360 |
| Net operating income to assets | -0.4421% | 6,490 |
| Return on assets (ROA) | -0.0294% | 5,961 |
| Pretax return on assets | -0.0451% | 5,927 |
| Return on Equity (ROE) | -0.4092% | 5,983 |
| Retained earnings to average equity (ytd only) | -0.4092% | 5,325 |
| Net charge-offs to loans | 1.1688% | 1,563 |
| Credit loss provision to net charge-offs | 162.4952% | 2,830 |
| Earnings coverage of net charge-offs (x) | 0.7467% | 4,981 |
| Efficiency ratio | 81.3704% | 2,824 |
| Assets per employee ($millions) | 4.2303% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 4,364 |
| Loan loss allowance to noncurrent loans | 52.6229% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 2.5414% | 2,532 |
| Noncurrent loans to loans | 2.4422% | 2,960 |
| Net loans and leases to total assets | 66.2743% | 4,516 |
| Net loans and leases to deposits | 88.4805% | 3,092 |
| Net loans and leases to core deposits | 109.7516% | 3,399 |
| Total domestic deposits to total assets | 74.9028% | 6,784 |
| Equity capital to assets | 7.2679% | 7,435 |
| Core capital (leverage) ratio | 7.0654% | 7,490 |
| Tier 1 risk-based capital ratio | 9.8284% | 7,105 |
| Total risk-based capital ratio | 11.0216% | 7,107 |
| Memoranda: | ||
| Average total assets | $679,207,000 | 1,036 |
| Average earning assets | $626,201,000 | 1,032 |
| Average equity | $48,872,330 | 1,408 |
| Average total loans | $449,873,670 | 1,108 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4301% | 5,266 |
| Cost of funding earning assets | 2.5626% | 1,688 |
| Net interest margin | 2.8676% | 6,839 |
| Noninterest income to average assets | 0.3840% | 5,346 |
| Noninterest expense to average assets | 2.4095% | 6,159 |
| Loan and lease loss provision to assets | 0.9124% | 1,431 |
| Net operating income to assets | -0.1894% | 6,541 |
| Return on assets (ROA) | -0.1617% | 6,596 |
| Pretax return on assets | -0.2480% | 6,622 |
| Return on Equity (ROE) | -2.2599% | 6,690 |
| Retained earnings to average equity (ytd only) | -2.2599% | 6,150 |
| Net charge-offs to loans | 0.4036% | 2,491 |
| Credit loss provision to net charge-offs | 343.7923% | 1,460 |
| Earnings coverage of net charge-offs (x) | 2.3431% | 3,561 |
| Efficiency ratio | 79.4862% | 2,914 |
| Assets per employee ($millions) | 4.3528% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 4,633 |
| Loan loss allowance to noncurrent loans | 57.5317% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.7940% | 3,229 |
| Noncurrent loans to loans | 2.1273% | 3,080 |
| Net loans and leases to total assets | 64.0899% | 4,973 |
| Net loans and leases to deposits | 85.0567% | 3,807 |
| Net loans and leases to core deposits | 108.7465% | 3,592 |
| Total domestic deposits to total assets | 75.3496% | 6,635 |
| Equity capital to assets | 7.4799% | 7,366 |
| Core capital (leverage) ratio | 7.3418% | 7,330 |
| Tier 1 risk-based capital ratio | 10.3112% | 6,584 |
| Total risk-based capital ratio | 11.4506% | 6,629 |
| Memoranda: | ||
| Average total assets | $667,698,000 | 1,061 |
| Average earning assets | $616,412,000 | 1,045 |
| Average equity | $47,790,000 | 1,441 |
| Average total loans | $439,083,500 | 1,148 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3660% | 3,602 |
| Cost of funding earning assets | 2.8372% | 2,545 |
| Net interest margin | 3.5288% | 5,195 |
| Noninterest income to average assets | 0.5784% | 4,018 |
| Noninterest expense to average assets | 2.8336% | 4,680 |
| Loan and lease loss provision to assets | 0.3302% | 3,747 |
| Net operating income to assets | 0.4331% | 5,021 |
| Return on assets (ROA) | 0.4868% | 4,622 |
| Pretax return on assets | 0.7452% | 4,261 |
| Return on Equity (ROE) | 6.6437% | 3,690 |
| Retained earnings to average equity (ytd only) | 5.6854% | 1,673 |
| Net charge-offs to loans | 0.2252% | 3,983 |
| Credit loss provision to net charge-offs | 201.1468% | 2,417 |
| Earnings coverage of net charge-offs (x) | 6.0482% | 3,457 |
| Efficiency ratio | 74.0555% | 3,562 |
| Assets per employee ($millions) | 4.1237% | 3,266 |
| Cash dividends to net income (ytd only)* | 14.4238% | 4,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 5,782 |
| Loan loss allowance to noncurrent loans | 48.8496% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 1.8662% | 2,639 |
| Noncurrent loans to loans | 2.1067% | 2,625 |
| Net loans and leases to total assets | 66.0176% | 4,845 |
| Net loans and leases to deposits | 87.5569% | 3,859 |
| Net loans and leases to core deposits | 105.4488% | 4,250 |
| Total domestic deposits to total assets | 75.3997% | 6,371 |
| Equity capital to assets | 6.8105% | 7,825 |
| Core capital (leverage) ratio | 6.8623% | 7,790 |
| Tier 1 risk-based capital ratio | 9.3483% | 7,463 |
| Total risk-based capital ratio | 10.3148% | 7,716 |
| Memoranda: | ||
| Average total assets | $531,261,400 | 1,278 |
| Average earning assets | $488,973,200 | 1,258 |
| Average equity | $38,924,000 | 1,732 |
| Average total loans | $387,127,200 | 1,251 |