Home > South Central Bank of Bowling Green, Inc. > Performance and Condition Ratios
South Central Bank of Bowling Green, Inc., Performance and Condition Ratios
| 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 | 3.7740% | 4,571 |
| Cost of funding earning assets | 0.4070% | 3,615 |
| Net interest margin | 3.3670% | 4,345 |
| Noninterest income to average assets | 1.4841% | 557 |
| Noninterest expense to average assets | 3.6345% | 1,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7457% | 3,648 |
| Return on assets (ROA) | 0.7457% | 3,746 |
| Pretax return on assets | 1.0628% | 3,241 |
| Return on Equity (ROE) | 5.8108% | 4,253 |
| Retained earnings to average equity (ytd only) | -1.2198% | 5,947 |
| Net charge-offs to loans | 0.0741% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 24.5417% | 1,528 |
| Efficiency ratio | 77.3744% | 2,297 |
| Assets per employee ($millions) | 4.4568% | 3,103 |
| Cash dividends to net income (ytd only)* | 120.9921% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0292% | 1,056 |
| Loan loss allowance to noncurrent loans | 189.3010% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 3,735 |
| Noncurrent loans to loans | 1.0719% | 2,675 |
| Net loans and leases to total assets | 56.3749% | 4,278 |
| Net loans and leases to deposits | 68.3244% | 4,094 |
| Net loans and leases to core deposits | 70.0707% | 4,321 |
| Total domestic deposits to total assets | 82.5106% | 4,242 |
| Equity capital to assets | 12.5008% | 1,651 |
| Core capital (leverage) ratio | 12.9249% | 1,169 |
| Tier 1 risk-based capital ratio | 20.6639% | 1,476 |
| Total risk-based capital ratio | 21.9223% | 1,445 |
| Memoranda: | ||
| Average total assets | $221,679,000 | 2,763 |
| Average earning assets | $211,554,400 | 2,692 |
| Average equity | $28,447,200 | 2,378 |
| Average total loans | $129,535,400 | 2,878 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 4,800 |
| Cost of funding earning assets | 0.4127% | 3,652 |
| Net interest margin | 3.3072% | 4,578 |
| Noninterest income to average assets | 1.4939% | 563 |
| Noninterest expense to average assets | 3.6372% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7100% | 3,888 |
| Return on assets (ROA) | 0.7100% | 3,995 |
| Pretax return on assets | 1.0096% | 3,555 |
| Return on Equity (ROE) | 5.4962% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.4962% | 2,755 |
| Net charge-offs to loans | 0.0960% | 2,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 17.9350% | 1,875 |
| Efficiency ratio | 78.2728% | 2,143 |
| Assets per employee ($millions) | 4.1667% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 1,251 |
| Loan loss allowance to noncurrent loans | 126.2233% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9969% | 2,956 |
| Noncurrent loans to loans | 1.5882% | 2,045 |
| Net loans and leases to total assets | 59.9461% | 3,790 |
| Net loans and leases to deposits | 73.8603% | 3,447 |
| Net loans and leases to core deposits | 75.8735% | 3,761 |
| Total domestic deposits to total assets | 81.1615% | 4,780 |
| Equity capital to assets | 13.5968% | 1,144 |
| Core capital (leverage) ratio | 13.6248% | 956 |
| Tier 1 risk-based capital ratio | 21.2537% | 1,397 |
| Total risk-based capital ratio | 22.5115% | 1,372 |
| Memoranda: | ||
| Average total assets | $220,274,250 | 2,798 |
| Average earning assets | $210,003,250 | 2,729 |
| Average equity | $28,455,500 | 2,387 |
| Average total loans | $129,221,000 | 2,889 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 4,851 |
| Cost of funding earning assets | 0.4110% | 3,765 |
| Net interest margin | 3.2930% | 4,619 |
| Noninterest income to average assets | 1.4990% | 540 |
| Noninterest expense to average assets | 3.6103% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7215% | 3,723 |
| Return on assets (ROA) | 0.7215% | 3,820 |
| Pretax return on assets | 1.0286% | 3,360 |
| Return on Equity (ROE) | 5.6827% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.6827% | 2,522 |
| Net charge-offs to loans | 0.1421% | 2,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 12.5165% | 2,051 |
| Efficiency ratio | 77.8275% | 2,318 |
| Assets per employee ($millions) | 4.0333% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1183% | 1,145 |
| Loan loss allowance to noncurrent loans | 81.7399% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.6796% | 1,937 |
| Noncurrent loans to loans | 2.5916% | 1,189 |
| Net loans and leases to total assets | 55.3856% | 4,365 |
| Net loans and leases to deposits | 67.6855% | 4,083 |
| Net loans and leases to core deposits | 69.5664% | 4,308 |
| Total domestic deposits to total assets | 81.8279% | 4,708 |
| Equity capital to assets | 13.0584% | 1,345 |
| Core capital (leverage) ratio | 13.2885% | 1,055 |
| Tier 1 risk-based capital ratio | 21.9672% | 1,261 |
| Total risk-based capital ratio | 23.2258% | 1,241 |
| Memoranda: | ||
| Average total assets | $221,476,330 | 2,798 |
| Average earning assets | $211,178,000 | 2,727 |
| Average equity | $28,120,670 | 2,403 |
| Average total loans | $128,114,330 | 2,900 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8148% | 4,426 |
| Cost of funding earning assets | 0.4114% | 3,840 |
| Net interest margin | 3.4034% | 4,099 |
| Noninterest income to average assets | 1.3231% | 653 |
| Noninterest expense to average assets | 3.5897% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6887% | 3,749 |
| Return on assets (ROA) | 0.6887% | 3,823 |
| Pretax return on assets | 0.9779% | 3,415 |
| Return on Equity (ROE) | 5.5024% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.5024% | 2,786 |
| Net charge-offs to loans | 0.2380% | 1,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.0260% | 2,162 |
| Efficiency ratio | 78.5912% | 2,393 |
| Assets per employee ($millions) | 4.0813% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0868% | 1,354 |
| Loan loss allowance to noncurrent loans | 68.7147% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.9883% | 1,727 |
| Noncurrent loans to loans | 3.0369% | 1,038 |
| Net loans and leases to total assets | 56.9068% | 4,015 |
| Net loans and leases to deposits | 69.3318% | 3,688 |
| Net loans and leases to core deposits | 71.1505% | 3,965 |
| Total domestic deposits to total assets | 82.0790% | 4,916 |
| Equity capital to assets | 12.7687% | 1,420 |
| Core capital (leverage) ratio | 13.3082% | 1,032 |
| Tier 1 risk-based capital ratio | 21.5994% | 1,358 |
| Total risk-based capital ratio | 22.8583% | 1,336 |
| Memoranda: | ||
| Average total assets | $221,297,500 | 2,818 |
| Average earning assets | $210,968,000 | 2,740 |
| Average equity | $27,697,000 | 2,425 |
| Average total loans | $129,410,000 | 2,888 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8543% | 4,624 |
| Cost of funding earning assets | 0.4972% | 3,642 |
| Net interest margin | 3.3571% | 4,453 |
| Noninterest income to average assets | 1.5129% | 617 |
| Noninterest expense to average assets | 3.6569% | 1,358 |
| Loan and lease loss provision to assets | 0.0701% | 3,722 |
| Net operating income to assets | 0.6857% | 3,867 |
| Return on assets (ROA) | 0.6863% | 3,958 |
| Pretax return on assets | 0.9852% | 3,413 |
| Return on Equity (ROE) | 5.5643% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.5643% | 2,239 |
| Net charge-offs to loans | 0.2764% | 2,318 |
| Credit loss provision to net charge-offs | 41.0526% | 4,020 |
| Earnings coverage of net charge-offs (x) | 6.1737% | 3,115 |
| Efficiency ratio | 77.6188% | 2,527 |
| Assets per employee ($millions) | 4.0401% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1036% | 1,325 |
| Loan loss allowance to noncurrent loans | 62.2313% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 2.0247% | 1,773 |
| Noncurrent loans to loans | 3.3802% | 949 |
| Net loans and leases to total assets | 57.5955% | 4,100 |
| Net loans and leases to deposits | 69.8318% | 3,805 |
| Net loans and leases to core deposits | 71.7509% | 4,103 |
| Total domestic deposits to total assets | 82.4774% | 4,719 |
| Equity capital to assets | 12.2648% | 1,642 |
| Core capital (leverage) ratio | 12.9947% | 1,143 |
| Tier 1 risk-based capital ratio | 20.9011% | 1,439 |
| Total risk-based capital ratio | 22.1614% | 1,420 |
| Memoranda: | ||
| Average total assets | $222,483,400 | 2,787 |
| Average earning assets | $211,970,600 | 2,699 |
| Average equity | $27,442,600 | 2,419 |
| Average total loans | $137,461,600 | 2,742 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 4,381 |
| Cost of funding earning assets | 0.5151% | 3,622 |
| Net interest margin | 3.4164% | 4,221 |
| Noninterest income to average assets | 1.4744% | 678 |
| Noninterest expense to average assets | 3.7072% | 1,233 |
| Loan and lease loss provision to assets | 0.0935% | 3,209 |
| Net operating income to assets | 0.6480% | 4,134 |
| Return on assets (ROA) | 0.6488% | 4,252 |
| Pretax return on assets | 0.9292% | 3,766 |
| Return on Equity (ROE) | 5.2527% | 4,594 |
| Retained earnings to average equity (ytd only) | 5.2527% | 2,900 |
| Net charge-offs to loans | 0.3670% | 1,730 |
| Credit loss provision to net charge-offs | 40.7311% | 3,696 |
| Earnings coverage of net charge-offs (x) | 4.4517% | 3,437 |
| Efficiency ratio | 78.3986% | 2,359 |
| Assets per employee ($millions) | 4.0450% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1049% | 1,496 |
| Loan loss allowance to noncurrent loans | 78.0398% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.9654% | 2,064 |
| Noncurrent loans to loans | 2.6973% | 1,569 |
| Net loans and leases to total assets | 58.4873% | 3,925 |
| Net loans and leases to deposits | 70.1816% | 3,763 |
| Net loans and leases to core deposits | 72.0656% | 4,081 |
| Total domestic deposits to total assets | 83.3371% | 4,446 |
| Equity capital to assets | 12.4158% | 1,628 |
| Core capital (leverage) ratio | 12.8046% | 1,283 |
| Tier 1 risk-based capital ratio | 20.6914% | 1,563 |
| Total risk-based capital ratio | 21.9513% | 1,534 |
| Memoranda: | ||
| Average total assets | $222,553,000 | 2,806 |
| Average earning assets | $211,991,750 | 2,714 |
| Average equity | $27,490,000 | 2,440 |
| Average total loans | $139,144,500 | 2,729 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9161% | 4,417 |
| Cost of funding earning assets | 0.5368% | 3,527 |
| Net interest margin | 3.3792% | 4,270 |
| Noninterest income to average assets | 1.4987% | 698 |
| Noninterest expense to average assets | 3.7593% | 1,156 |
| Loan and lease loss provision to assets | 0.1108% | 2,957 |
| Net operating income to assets | 0.5972% | 4,300 |
| Return on assets (ROA) | 0.5984% | 4,474 |
| Pretax return on assets | 0.8521% | 4,111 |
| Return on Equity (ROE) | 4.8527% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.8527% | 3,145 |
| Net charge-offs to loans | 0.3408% | 1,819 |
| Credit loss provision to net charge-offs | 51.2397% | 3,189 |
| Earnings coverage of net charge-offs (x) | 4.4463% | 3,128 |
| Efficiency ratio | 79.6405% | 2,207 |
| Assets per employee ($millions) | 3.9374% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0748% | 1,690 |
| Loan loss allowance to noncurrent loans | 66.1877% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 2.1467% | 2,008 |
| Noncurrent loans to loans | 3.1347% | 1,407 |
| Net loans and leases to total assets | 60.0609% | 3,646 |
| Net loans and leases to deposits | 71.6487% | 3,505 |
| Net loans and leases to core deposits | 73.5045% | 3,871 |
| Total domestic deposits to total assets | 83.8269% | 4,395 |
| Equity capital to assets | 12.0414% | 1,888 |
| Core capital (leverage) ratio | 12.7848% | 1,251 |
| Tier 1 risk-based capital ratio | 19.7729% | 1,773 |
| Total risk-based capital ratio | 21.0334% | 1,747 |
| Memoranda: | ||
| Average total assets | $223,926,670 | 2,804 |
| Average earning assets | $213,479,670 | 2,703 |
| Average equity | $27,613,330 | 2,445 |
| Average total loans | $142,025,330 | 2,687 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 4,181 |
| Cost of funding earning assets | 0.5551% | 3,519 |
| Net interest margin | 3.4303% | 4,008 |
| Noninterest income to average assets | 1.3430% | 852 |
| Noninterest expense to average assets | 3.7984% | 1,111 |
| Loan and lease loss provision to assets | 0.2218% | 1,669 |
| Net operating income to assets | 0.4284% | 5,012 |
| Return on assets (ROA) | 0.4310% | 5,158 |
| Pretax return on assets | 0.5973% | 4,955 |
| Return on Equity (ROE) | 3.4543% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.4543% | 4,179 |
| Net charge-offs to loans | 0.5520% | 1,097 |
| Credit loss provision to net charge-offs | 62.3116% | 2,411 |
| Earnings coverage of net charge-offs (x) | 2.2915% | 3,080 |
| Efficiency ratio | 82.3256% | 1,995 |
| Assets per employee ($millions) | 3.8273% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0662% | 1,875 |
| Loan loss allowance to noncurrent loans | 61.4586% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.4394% | 1,892 |
| Noncurrent loans to loans | 3.3620% | 1,440 |
| Net loans and leases to total assets | 61.8986% | 3,081 |
| Net loans and leases to deposits | 73.4994% | 2,985 |
| Net loans and leases to core deposits | 75.5155% | 3,383 |
| Total domestic deposits to total assets | 84.2164% | 4,387 |
| Equity capital to assets | 12.6095% | 1,644 |
| Core capital (leverage) ratio | 12.5299% | 1,325 |
| Tier 1 risk-based capital ratio | 19.4455% | 1,923 |
| Total risk-based capital ratio | 20.7066% | 1,898 |
| Memoranda: | ||
| Average total assets | $223,673,000 | 2,836 |
| Average earning assets | $213,278,000 | 2,727 |
| Average equity | $27,907,500 | 2,454 |
| Average total loans | $144,211,500 | 2,662 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 4,743 |
| Cost of funding earning assets | 0.6956% | 3,525 |
| Net interest margin | 3.4623% | 4,662 |
| Noninterest income to average assets | 1.3393% | 863 |
| Noninterest expense to average assets | 3.6622% | 1,482 |
| Loan and lease loss provision to assets | 0.0375% | 5,410 |
| Net operating income to assets | 0.6504% | 3,981 |
| Return on assets (ROA) | 0.6513% | 4,246 |
| Pretax return on assets | 0.9333% | 3,798 |
| Return on Equity (ROE) | 5.4540% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.4540% | 2,412 |
| Net charge-offs to loans | 0.1205% | 4,483 |
| Credit loss provision to net charge-offs | 46.1957% | 4,779 |
| Earnings coverage of net charge-offs (x) | 11.9402% | 1,984 |
| Efficiency ratio | 79.0682% | 2,267 |
| Assets per employee ($millions) | 3.8197% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0078% | 1,997 |
| Loan loss allowance to noncurrent loans | 47.7444% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 2.9943% | 1,584 |
| Noncurrent loans to loans | 4.2054% | 1,078 |
| Net loans and leases to total assets | 64.4053% | 2,824 |
| Net loans and leases to deposits | 78.5268% | 2,460 |
| Net loans and leases to core deposits | 80.7016% | 2,917 |
| Total domestic deposits to total assets | 82.0169% | 5,087 |
| Equity capital to assets | 12.3464% | 1,829 |
| Core capital (leverage) ratio | 12.4275% | 1,352 |
| Tier 1 risk-based capital ratio | 18.5527% | 2,088 |
| Total risk-based capital ratio | 19.8133% | 2,051 |
| Memoranda: | ||
| Average total assets | $226,611,800 | 2,770 |
| Average earning assets | $215,494,600 | 2,669 |
| Average equity | $27,062,800 | 2,478 |
| Average total loans | $152,682,200 | 2,534 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 4,807 |
| Cost of funding earning assets | 0.7175% | 3,617 |
| Net interest margin | 3.4860% | 4,698 |
| Noninterest income to average assets | 1.2609% | 940 |
| Noninterest expense to average assets | 3.6751% | 1,404 |
| Loan and lease loss provision to assets | 0.0129% | 5,654 |
| Net operating income to assets | 0.6206% | 4,296 |
| Return on assets (ROA) | 0.6222% | 4,538 |
| Pretax return on assets | 0.8866% | 4,170 |
| Return on Equity (ROE) | 5.2543% | 4,702 |
| Retained earnings to average equity (ytd only) | 5.2543% | 3,187 |
| Net charge-offs to loans | 0.1257% | 4,121 |
| Credit loss provision to net charge-offs | 15.1724% | 5,016 |
| Earnings coverage of net charge-offs (x) | 10.5310% | 2,176 |
| Efficiency ratio | 80.3778% | 2,038 |
| Assets per employee ($millions) | 3.9498% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9530% | 2,317 |
| Loan loss allowance to noncurrent loans | 46.3545% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 3.3058% | 1,543 |
| Noncurrent loans to loans | 4.2132% | 1,175 |
| Net loans and leases to total assets | 66.9563% | 2,473 |
| Net loans and leases to deposits | 80.5533% | 2,305 |
| Net loans and leases to core deposits | 82.7997% | 2,862 |
| Total domestic deposits to total assets | 83.1205% | 4,598 |
| Equity capital to assets | 12.4199% | 1,950 |
| Core capital (leverage) ratio | 12.1745% | 1,546 |
| Tier 1 risk-based capital ratio | 18.0169% | 2,335 |
| Total risk-based capital ratio | 19.2768% | 2,308 |
| Memoranda: | ||
| Average total assets | $226,924,250 | 2,782 |
| Average earning assets | $215,563,000 | 2,690 |
| Average equity | $26,872,500 | 2,511 |
| Average total loans | $153,823,000 | 2,547 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0831% | 5,381 |
| Cost of funding earning assets | 0.7320% | 3,746 |
| Net interest margin | 3.3511% | 5,273 |
| Noninterest income to average assets | 1.2017% | 993 |
| Noninterest expense to average assets | 3.6034% | 1,574 |
| Loan and lease loss provision to assets | 0.0192% | 5,424 |
| Net operating income to assets | 0.5406% | 4,625 |
| Return on assets (ROA) | 0.5419% | 4,898 |
| Pretax return on assets | 0.7656% | 4,586 |
| Return on Equity (ROE) | 4.6489% | 4,970 |
| Retained earnings to average equity (ytd only) | 4.6489% | 3,512 |
| Net charge-offs to loans | 0.0478% | 4,726 |
| Credit loss provision to net charge-offs | 59.4595% | 3,812 |
| Earnings coverage of net charge-offs (x) | 24.2162% | 1,227 |
| Efficiency ratio | 82.1478% | 1,860 |
| Assets per employee ($millions) | 3.9422% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 2,325 |
| Loan loss allowance to noncurrent loans | 45.9159% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 3.2762% | 1,656 |
| Noncurrent loans to loans | 4.2807% | 1,261 |
| Net loans and leases to total assets | 66.7066% | 2,523 |
| Net loans and leases to deposits | 79.5971% | 2,438 |
| Net loans and leases to core deposits | 82.0595% | 2,952 |
| Total domestic deposits to total assets | 83.8053% | 4,398 |
| Equity capital to assets | 11.8116% | 2,303 |
| Core capital (leverage) ratio | 11.8027% | 1,723 |
| Tier 1 risk-based capital ratio | 17.1593% | 2,604 |
| Total risk-based capital ratio | 18.4192% | 2,564 |
| Memoranda: | ||
| Average total assets | $228,837,000 | 2,771 |
| Average earning assets | $217,479,670 | 2,675 |
| Average equity | $26,673,000 | 2,509 |
| Average total loans | $154,748,000 | 2,539 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 5,595 |
| Cost of funding earning assets | 0.7610% | 3,780 |
| Net interest margin | 3.2930% | 5,499 |
| Noninterest income to average assets | 1.3349% | 800 |
| Noninterest expense to average assets | 3.5522% | 1,659 |
| Loan and lease loss provision to assets | 0.0384% | 4,906 |
| Net operating income to assets | 0.6073% | 4,310 |
| Return on assets (ROA) | 0.6098% | 4,511 |
| Pretax return on assets | 0.8701% | 4,155 |
| Return on Equity (ROE) | 5.2667% | 4,658 |
| Retained earnings to average equity (ytd only) | 5.2667% | 3,391 |
| Net charge-offs to loans | 0.0570% | 3,929 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 23.5455% | 1,092 |
| Efficiency ratio | 79.6942% | 2,235 |
| Assets per employee ($millions) | 3.9824% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9972% | 2,362 |
| Loan loss allowance to noncurrent loans | 49.1680% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 3.3675% | 1,712 |
| Noncurrent loans to loans | 4.0620% | 1,495 |
| Net loans and leases to total assets | 66.4297% | 2,385 |
| Net loans and leases to deposits | 79.1887% | 2,314 |
| Net loans and leases to core deposits | 81.8126% | 2,858 |
| Total domestic deposits to total assets | 83.8878% | 4,549 |
| Equity capital to assets | 11.7386% | 2,229 |
| Core capital (leverage) ratio | 11.6774% | 1,789 |
| Tier 1 risk-based capital ratio | 17.1785% | 2,611 |
| Total risk-based capital ratio | 18.4384% | 2,569 |
| Memoranda: | ||
| Average total assets | $228,931,000 | 2,781 |
| Average earning assets | $217,069,500 | 2,683 |
| Average equity | $26,506,000 | 2,525 |
| Average total loans | $154,331,000 | 2,567 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 5,284 |
| Cost of funding earning assets | 0.9547% | 3,690 |
| Net interest margin | 3.4836% | 5,208 |
| Noninterest income to average assets | 1.3425% | 718 |
| Noninterest expense to average assets | 3.5469% | 1,872 |
| Loan and lease loss provision to assets | 0.3653% | 2,806 |
| Net operating income to assets | 0.5195% | 4,343 |
| Return on assets (ROA) | 0.5876% | 4,248 |
| Pretax return on assets | 0.8394% | 3,824 |
| Return on Equity (ROE) | 5.1883% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.1883% | 2,514 |
| Net charge-offs to loans | 0.5610% | 2,776 |
| Credit loss provision to net charge-offs | 93.0493% | 3,874 |
| Earnings coverage of net charge-offs (x) | 2.8206% | 3,802 |
| Efficiency ratio | 76.2058% | 2,859 |
| Assets per employee ($millions) | 3.9130% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 2,328 |
| Loan loss allowance to noncurrent loans | 52.2797% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 3.3080% | 1,798 |
| Noncurrent loans to loans | 3.7972% | 1,650 |
| Net loans and leases to total assets | 65.7192% | 2,836 |
| Net loans and leases to deposits | 79.3652% | 2,628 |
| Net loans and leases to core deposits | 81.9766% | 3,183 |
| Total domestic deposits to total assets | 82.8061% | 4,829 |
| Equity capital to assets | 11.4204% | 2,576 |
| Core capital (leverage) ratio | 11.4632% | 1,923 |
| Tier 1 risk-based capital ratio | 16.9189% | 2,640 |
| Total risk-based capital ratio | 18.1792% | 2,596 |
| Memoranda: | ||
| Average total assets | $227,186,200 | 2,762 |
| Average earning assets | $215,983,600 | 2,660 |
| Average equity | $25,731,200 | 2,506 |
| Average total loans | $159,006,600 | 2,511 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 4,986 |
| Cost of funding earning assets | 0.9959% | 3,706 |
| Net interest margin | 3.5776% | 4,859 |
| Noninterest income to average assets | 1.2811% | 788 |
| Noninterest expense to average assets | 3.4655% | 2,033 |
| Loan and lease loss provision to assets | 0.3347% | 2,872 |
| Net operating income to assets | 0.6117% | 4,032 |
| Return on assets (ROA) | 0.6971% | 3,803 |
| Pretax return on assets | 1.0106% | 3,363 |
| Return on Equity (ROE) | 6.1679% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.1679% | 2,452 |
| Net charge-offs to loans | 0.5223% | 2,663 |
| Credit loss provision to net charge-offs | 90.5901% | 3,752 |
| Earnings coverage of net charge-offs (x) | 3.3062% | 3,489 |
| Efficiency ratio | 73.9376% | 3,194 |
| Assets per employee ($millions) | 3.8098% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 2,342 |
| Loan loss allowance to noncurrent loans | 47.8904% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 3.1150% | 2,055 |
| Noncurrent loans to loans | 4.1744% | 1,574 |
| Net loans and leases to total assets | 67.0831% | 2,657 |
| Net loans and leases to deposits | 80.6010% | 2,576 |
| Net loans and leases to core deposits | 83.1917% | 3,163 |
| Total domestic deposits to total assets | 83.2286% | 4,596 |
| Equity capital to assets | 11.6705% | 2,524 |
| Core capital (leverage) ratio | 11.4162% | 2,090 |
| Tier 1 risk-based capital ratio | 17.4563% | 2,462 |
| Total risk-based capital ratio | 18.7175% | 2,430 |
| Memoranda: | ||
| Average total assets | $226,266,000 | 2,779 |
| Average earning assets | $215,407,000 | 2,677 |
| Average equity | $25,572,500 | 2,519 |
| Average total loans | $160,059,000 | 2,510 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 4,607 |
| Cost of funding earning assets | 1.0127% | 3,868 |
| Net interest margin | 3.6711% | 4,406 |
| Noninterest income to average assets | 1.2674% | 782 |
| Noninterest expense to average assets | 3.4459% | 2,132 |
| Loan and lease loss provision to assets | 0.4075% | 2,395 |
| Net operating income to assets | 0.6237% | 3,943 |
| Return on assets (ROA) | 0.7515% | 3,405 |
| Pretax return on assets | 1.0937% | 2,877 |
| Return on Equity (ROE) | 6.7213% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.7213% | 2,005 |
| Net charge-offs to loans | 0.5638% | 2,417 |
| Credit loss provision to net charge-offs | 101.0941% | 3,068 |
| Earnings coverage of net charge-offs (x) | 3.2648% | 3,235 |
| Efficiency ratio | 72.3653% | 3,658 |
| Assets per employee ($millions) | 3.7961% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9692% | 2,452 |
| Loan loss allowance to noncurrent loans | 47.2820% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 3.0242% | 2,222 |
| Noncurrent loans to loans | 4.1648% | 1,636 |
| Net loans and leases to total assets | 68.6292% | 2,486 |
| Net loans and leases to deposits | 82.2061% | 2,422 |
| Net loans and leases to core deposits | 84.7851% | 3,100 |
| Total domestic deposits to total assets | 83.4844% | 4,552 |
| Equity capital to assets | 11.3327% | 2,657 |
| Core capital (leverage) ratio | 11.1864% | 2,123 |
| Tier 1 risk-based capital ratio | 16.6573% | 2,669 |
| Total risk-based capital ratio | 17.9184% | 2,623 |
| Memoranda: | ||
| Average total assets | $226,761,000 | 2,787 |
| Average earning assets | $215,849,670 | 2,695 |
| Average equity | $25,352,330 | 2,523 |
| Average total loans | $162,123,330 | 2,513 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 4,282 |
| Cost of funding earning assets | 1.0235% | 4,040 |
| Net interest margin | 3.7306% | 3,941 |
| Noninterest income to average assets | 1.3012% | 755 |
| Noninterest expense to average assets | 3.4492% | 2,146 |
| Loan and lease loss provision to assets | 0.2793% | 2,921 |
| Net operating income to assets | 0.7743% | 3,145 |
| Return on assets (ROA) | 0.7743% | 3,219 |
| Pretax return on assets | 1.1297% | 2,647 |
| Return on Equity (ROE) | 6.9738% | 3,392 |
| Retained earnings to average equity (ytd only) | 6.9738% | 2,156 |
| Net charge-offs to loans | 0.4038% | 2,485 |
| Credit loss provision to net charge-offs | 95.7576% | 2,832 |
| Earnings coverage of net charge-offs (x) | 4.8303% | 2,389 |
| Efficiency ratio | 70.9971% | 4,061 |
| Assets per employee ($millions) | 3.7312% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9341% | 2,582 |
| Loan loss allowance to noncurrent loans | 45.0461% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 3.1419% | 2,194 |
| Noncurrent loans to loans | 4.2935% | 1,659 |
| Net loans and leases to total assets | 69.6852% | 2,187 |
| Net loans and leases to deposits | 83.1991% | 2,159 |
| Net loans and leases to core deposits | 85.9094% | 2,885 |
| Total domestic deposits to total assets | 83.7572% | 4,592 |
| Equity capital to assets | 11.1414% | 2,545 |
| Core capital (leverage) ratio | 11.1286% | 2,091 |
| Tier 1 risk-based capital ratio | 15.9605% | 2,918 |
| Total risk-based capital ratio | 17.2203% | 2,884 |
| Memoranda: | ||
| Average total assets | $226,258,500 | 2,805 |
| Average earning assets | $215,730,000 | 2,712 |
| Average equity | $25,122,500 | 2,530 |
| Average total loans | $163,458,000 | 2,515 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8951% | 5,057 |
| Cost of funding earning assets | 1.2607% | 4,142 |
| Net interest margin | 3.6344% | 4,649 |
| Noninterest income to average assets | 1.4356% | 696 |
| Noninterest expense to average assets | 3.3321% | 2,633 |
| Loan and lease loss provision to assets | 0.7666% | 2,136 |
| Net operating income to assets | 0.5593% | 3,852 |
| Return on assets (ROA) | 0.5593% | 4,011 |
| Pretax return on assets | 0.8024% | 3,624 |
| Return on Equity (ROE) | 5.0031% | 4,068 |
| Retained earnings to average equity (ytd only) | 0.4029% | 5,377 |
| Net charge-offs to loans | 0.5726% | 3,333 |
| Credit loss provision to net charge-offs | 182.2245% | 1,813 |
| Earnings coverage of net charge-offs (x) | 3.7297% | 3,219 |
| Efficiency ratio | 67.9872% | 4,568 |
| Assets per employee ($millions) | 3.9459% | 3,897 |
| Cash dividends to net income (ytd only)* | 91.9468% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 2,572 |
| Loan loss allowance to noncurrent loans | 51.8525% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.7802% | 2,515 |
| Noncurrent loans to loans | 3.6602% | 2,040 |
| Net loans and leases to total assets | 72.0486% | 2,098 |
| Net loans and leases to deposits | 86.2453% | 2,050 |
| Net loans and leases to core deposits | 89.0677% | 2,884 |
| Total domestic deposits to total assets | 83.5391% | 4,586 |
| Equity capital to assets | 11.0651% | 2,632 |
| Core capital (leverage) ratio | 10.9082% | 2,222 |
| Tier 1 risk-based capital ratio | 15.7026% | 2,891 |
| Total risk-based capital ratio | 16.9628% | 2,850 |
| Memoranda: | ||
| Average total assets | $228,686,200 | 2,773 |
| Average earning assets | $218,053,000 | 2,655 |
| Average equity | $25,564,200 | 2,493 |
| Average total loans | $168,007,400 | 2,500 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 5,093 |
| Cost of funding earning assets | 1.3022% | 4,199 |
| Net interest margin | 3.6344% | 4,708 |
| Noninterest income to average assets | 1.2484% | 883 |
| Noninterest expense to average assets | 3.3369% | 2,461 |
| Loan and lease loss provision to assets | 0.1492% | 5,545 |
| Net operating income to assets | 0.8390% | 2,848 |
| Return on assets (ROA) | 0.8390% | 2,976 |
| Pretax return on assets | 1.2286% | 2,394 |
| Return on Equity (ROE) | 7.4868% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.4868% | 1,601 |
| Net charge-offs to loans | 0.1122% | 5,418 |
| Credit loss provision to net charge-offs | 180.9859% | 2,024 |
| Earnings coverage of net charge-offs (x) | 16.7111% | 1,368 |
| Efficiency ratio | 70.7759% | 3,927 |
| Assets per employee ($millions) | 3.6729% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 3,866 |
| Loan loss allowance to noncurrent loans | 33.8379% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 3.2026% | 2,235 |
| Noncurrent loans to loans | 4.4937% | 1,606 |
| Net loans and leases to total assets | 69.9362% | 2,744 |
| Net loans and leases to deposits | 85.7743% | 2,392 |
| Net loans and leases to core deposits | 88.6801% | 3,288 |
| Total domestic deposits to total assets | 81.5351% | 5,187 |
| Equity capital to assets | 11.6319% | 2,427 |
| Core capital (leverage) ratio | 11.2568% | 2,096 |
| Tier 1 risk-based capital ratio | 16.7794% | 2,417 |
| Total risk-based capital ratio | 18.0341% | 2,379 |
| Memoranda: | ||
| Average total assets | $229,629,000 | 2,788 |
| Average earning assets | $219,012,750 | 2,681 |
| Average equity | $25,733,500 | 2,521 |
| Average total loans | $168,713,500 | 2,533 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9925% | 4,974 |
| Cost of funding earning assets | 1.3301% | 4,335 |
| Net interest margin | 3.6624% | 4,531 |
| Noninterest income to average assets | 1.2160% | 874 |
| Noninterest expense to average assets | 3.3361% | 2,440 |
| Loan and lease loss provision to assets | 0.1155% | 5,746 |
| Net operating income to assets | 0.8573% | 2,705 |
| Return on assets (ROA) | 0.8573% | 2,847 |
| Pretax return on assets | 1.2559% | 2,237 |
| Return on Equity (ROE) | 7.7466% | 2,990 |
| Retained earnings to average equity (ytd only) | 7.7466% | 1,531 |
| Net charge-offs to loans | 0.1427% | 4,798 |
| Credit loss provision to net charge-offs | 109.0164% | 3,742 |
| Earnings coverage of net charge-offs (x) | 12.9426% | 1,628 |
| Efficiency ratio | 70.8672% | 4,004 |
| Assets per employee ($millions) | 3.5693% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 4,361 |
| Loan loss allowance to noncurrent loans | 41.6372% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 2.4874% | 2,894 |
| Noncurrent loans to loans | 3.3939% | 2,351 |
| Net loans and leases to total assets | 71.9224% | 2,423 |
| Net loans and leases to deposits | 88.2856% | 2,125 |
| Net loans and leases to core deposits | 91.6074% | 3,041 |
| Total domestic deposits to total assets | 81.4656% | 5,212 |
| Equity capital to assets | 11.3735% | 2,539 |
| Core capital (leverage) ratio | 11.0350% | 2,214 |
| Tier 1 risk-based capital ratio | 15.9621% | 2,693 |
| Total risk-based capital ratio | 17.2155% | 2,651 |
| Memoranda: | ||
| Average total assets | $230,265,670 | 2,808 |
| Average earning assets | $219,529,000 | 2,690 |
| Average equity | $25,482,000 | 2,541 |
| Average total loans | $171,045,670 | 2,524 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1121% | 4,473 |
| Cost of funding earning assets | 1.3607% | 4,416 |
| Net interest margin | 3.7514% | 3,999 |
| Noninterest income to average assets | 1.2094% | 830 |
| Noninterest expense to average assets | 3.4484% | 2,113 |
| Loan and lease loss provision to assets | 0.0138% | 6,481 |
| Net operating income to assets | 0.8997% | 2,543 |
| Return on assets (ROA) | 0.8997% | 2,615 |
| Pretax return on assets | 1.3202% | 2,002 |
| Return on Equity (ROE) | 8.2433% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.2433% | 1,606 |
| Net charge-offs to loans | 0.0646% | 4,761 |
| Credit loss provision to net charge-offs | 28.5714% | 4,835 |
| Earnings coverage of net charge-offs (x) | 27.5357% | 926 |
| Efficiency ratio | 72.1056% | 3,913 |
| Assets per employee ($millions) | 3.8390% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 4,509 |
| Loan loss allowance to noncurrent loans | 56.3531% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.9272% | 3,592 |
| Noncurrent loans to loans | 2.4524% | 3,224 |
| Net loans and leases to total assets | 71.9962% | 2,447 |
| Net loans and leases to deposits | 88.1146% | 2,204 |
| Net loans and leases to core deposits | 91.5644% | 3,161 |
| Total domestic deposits to total assets | 81.7075% | 5,193 |
| Equity capital to assets | 11.0819% | 2,695 |
| Core capital (leverage) ratio | 10.8162% | 2,360 |
| Tier 1 risk-based capital ratio | 15.6170% | 2,821 |
| Total risk-based capital ratio | 16.8701% | 2,766 |
| Memoranda: | ||
| Average total assets | $231,181,000 | 2,863 |
| Average earning assets | $220,182,500 | 2,736 |
| Average equity | $25,232,500 | 2,587 |
| Average total loans | $173,243,000 | 2,566 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5198% | 4,037 |
| Cost of funding earning assets | 1.8443% | 3,766 |
| Net interest margin | 3.6755% | 4,240 |
| Noninterest income to average assets | 1.6297% | 545 |
| Noninterest expense to average assets | 3.8315% | 1,631 |
| Loan and lease loss provision to assets | 0.2339% | 5,500 |
| Net operating income to assets | 0.7339% | 2,797 |
| Return on assets (ROA) | 0.7339% | 2,877 |
| Pretax return on assets | 1.0347% | 2,479 |
| Return on Equity (ROE) | 6.9103% | 2,823 |
| Retained earnings to average equity (ytd only) | 6.9103% | 996 |
| Net charge-offs to loans | 0.0918% | 6,212 |
| Credit loss provision to net charge-offs | 328.3951% | 994 |
| Earnings coverage of net charge-offs (x) | 17.8086% | 1,168 |
| Efficiency ratio | 75.1250% | 3,681 |
| Assets per employee ($millions) | 3.0529% | 6,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 4,696 |
| Loan loss allowance to noncurrent loans | 78.6267% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.2947% | 4,493 |
| Noncurrent loans to loans | 1.6660% | 4,151 |
| Net loans and leases to total assets | 75.8506% | 1,838 |
| Net loans and leases to deposits | 92.9600% | 1,739 |
| Net loans and leases to core deposits | 114.4531% | 2,462 |
| Total domestic deposits to total assets | 81.5948% | 5,111 |
| Equity capital to assets | 10.7485% | 2,929 |
| Core capital (leverage) ratio | 10.5868% | 2,517 |
| Tier 1 risk-based capital ratio | 14.0108% | 3,491 |
| Total risk-based capital ratio | 15.2627% | 3,444 |
| Memoranda: | ||
| Average total assets | $227,402,600 | 2,852 |
| Average earning assets | $214,717,800 | 2,768 |
| Average equity | $24,152,400 | 2,701 |
| Average total loans | $176,452,600 | 2,559 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4925% | 4,452 |
| Cost of funding earning assets | 1.9417% | 3,657 |
| Net interest margin | 3.5508% | 4,670 |
| Noninterest income to average assets | 1.7402% | 484 |
| Noninterest expense to average assets | 3.5512% | 2,141 |
| Loan and lease loss provision to assets | 0.1326% | 6,036 |
| Net operating income to assets | 0.9588% | 2,203 |
| Return on assets (ROA) | 0.9588% | 2,262 |
| Pretax return on assets | 1.4026% | 1,688 |
| Return on Equity (ROE) | 9.0554% | 2,240 |
| Retained earnings to average equity (ytd only) | 9.0554% | 831 |
| Net charge-offs to loans | 0.0682% | 6,007 |
| Credit loss provision to net charge-offs | 250.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 28.9438% | 954 |
| Efficiency ratio | 69.8181% | 4,627 |
| Assets per employee ($millions) | 2.8877% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 5,201 |
| Loan loss allowance to noncurrent loans | 69.6429% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.3548% | 4,383 |
| Noncurrent loans to loans | 1.6997% | 4,092 |
| Net loans and leases to total assets | 75.1625% | 2,207 |
| Net loans and leases to deposits | 92.5578% | 2,145 |
| Net loans and leases to core deposits | 113.6680% | 2,865 |
| Total domestic deposits to total assets | 81.2060% | 4,995 |
| Equity capital to assets | 10.6668% | 3,322 |
| Core capital (leverage) ratio | 10.4498% | 2,834 |
| Tier 1 risk-based capital ratio | 14.0690% | 3,507 |
| Total risk-based capital ratio | 15.3214% | 3,450 |
| Memoranda: | ||
| Average total assets | $226,247,750 | 2,884 |
| Average earning assets | $213,205,250 | 2,810 |
| Average equity | $23,955,750 | 2,766 |
| Average total loans | $175,984,250 | 2,594 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5260% | 4,472 |
| Cost of funding earning assets | 2.0162% | 3,697 |
| Net interest margin | 3.5098% | 4,757 |
| Noninterest income to average assets | 1.9696% | 385 |
| Noninterest expense to average assets | 3.6264% | 2,008 |
| Loan and lease loss provision to assets | 0.0983% | 6,191 |
| Net operating income to assets | 1.0648% | 1,894 |
| Return on assets (ROA) | 1.0648% | 1,969 |
| Pretax return on assets | 1.5351% | 1,363 |
| Return on Equity (ROE) | 10.0828% | 1,994 |
| Retained earnings to average equity (ytd only) | 10.0828% | 717 |
| Net charge-offs to loans | 0.0525% | 5,757 |
| Credit loss provision to net charge-offs | 239.1304% | 1,948 |
| Earnings coverage of net charge-offs (x) | 39.7174% | 814 |
| Efficiency ratio | 68.9444% | 4,987 |
| Assets per employee ($millions) | 2.7847% | 6,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 5,329 |
| Loan loss allowance to noncurrent loans | 43.1343% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 2.0949% | 3,067 |
| Noncurrent loans to loans | 2.6446% | 2,738 |
| Net loans and leases to total assets | 75.8535% | 2,216 |
| Net loans and leases to deposits | 93.8861% | 2,108 |
| Net loans and leases to core deposits | 114.9329% | 2,815 |
| Total domestic deposits to total assets | 80.7931% | 5,151 |
| Equity capital to assets | 10.4759% | 3,434 |
| Core capital (leverage) ratio | 10.4375% | 2,867 |
| Tier 1 risk-based capital ratio | 13.7953% | 3,628 |
| Total risk-based capital ratio | 15.0055% | 3,587 |
| Memoranda: | ||
| Average total assets | $223,695,670 | 2,928 |
| Average earning assets | $209,700,330 | 2,875 |
| Average equity | $23,624,330 | 2,798 |
| Average total loans | $175,341,000 | 2,635 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6417% | 4,098 |
| Cost of funding earning assets | 2.0762% | 3,761 |
| Net interest margin | 3.5655% | 4,463 |
| Noninterest income to average assets | 1.8347% | 411 |
| Noninterest expense to average assets | 3.4022% | 2,351 |
| Loan and lease loss provision to assets | 0.1218% | 5,406 |
| Net operating income to assets | 1.0765% | 2,044 |
| Return on assets (ROA) | 1.0765% | 2,178 |
| Pretax return on assets | 1.6365% | 1,321 |
| Return on Equity (ROE) | 10.1500% | 2,265 |
| Retained earnings to average equity (ytd only) | 10.1500% | 1,153 |
| Net charge-offs to loans | 0.0115% | 5,454 |
| Credit loss provision to net charge-offs | 1,340.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 193.4000% | 221 |
| Efficiency ratio | 65.9267% | 5,346 |
| Assets per employee ($millions) | 2.8555% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 5,126 |
| Loan loss allowance to noncurrent loans | 85.4184% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.1175% | 4,450 |
| Noncurrent loans to loans | 1.3457% | 4,296 |
| Net loans and leases to total assets | 77.0437% | 2,031 |
| Net loans and leases to deposits | 95.6206% | 2,005 |
| Net loans and leases to core deposits | 115.9263% | 2,810 |
| Total domestic deposits to total assets | 80.5723% | 5,145 |
| Equity capital to assets | 10.5233% | 3,436 |
| Core capital (leverage) ratio | 10.7098% | 2,730 |
| Tier 1 risk-based capital ratio | 13.6555% | 3,763 |
| Total risk-based capital ratio | 14.8761% | 3,705 |
| Memoranda: | ||
| Average total assets | $219,978,000 | 2,987 |
| Average earning assets | $205,187,000 | 2,945 |
| Average equity | $23,330,000 | 2,840 |
| Average total loans | $174,339,500 | 2,665 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4112% | 3,355 |
| Cost of funding earning assets | 2.6640% | 3,344 |
| Net interest margin | 3.7472% | 4,240 |
| Noninterest income to average assets | 1.3818% | 753 |
| Noninterest expense to average assets | 3.5215% | 2,336 |
| Loan and lease loss provision to assets | 0.1115% | 5,944 |
| Net operating income to assets | 0.8102% | 3,394 |
| Return on assets (ROA) | 0.8102% | 3,234 |
| Pretax return on assets | 1.2356% | 2,528 |
| Return on Equity (ROE) | 7.7526% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.7526% | 917 |
| Net charge-offs to loans | 0.0619% | 5,891 |
| Credit loss provision to net charge-offs | 227.1845% | 2,090 |
| Earnings coverage of net charge-offs (x) | 27.4563% | 1,244 |
| Efficiency ratio | 72.3315% | 3,875 |
| Assets per employee ($millions) | 2.5828% | 7,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 5,033 |
| Loan loss allowance to noncurrent loans | 72.1281% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.2847% | 3,656 |
| Noncurrent loans to loans | 1.5712% | 3,425 |
| Net loans and leases to total assets | 79.7216% | 1,718 |
| Net loans and leases to deposits | 99.4374% | 1,918 |
| Net loans and leases to core deposits | 123.2156% | 2,384 |
| Total domestic deposits to total assets | 80.1727% | 4,953 |
| Equity capital to assets | 10.6922% | 3,305 |
| Core capital (leverage) ratio | 10.7202% | 2,801 |
| Tier 1 risk-based capital ratio | 14.0852% | 3,506 |
| Total risk-based capital ratio | 15.3358% | 3,422 |
| Memoranda: | ||
| Average total assets | $209,936,000 | 3,006 |
| Average earning assets | $195,346,400 | 2,956 |
| Average equity | $21,941,000 | 2,981 |
| Average total loans | $166,324,200 | 2,682 |