Home > South Central Bank of Hardin County, Inc. > Performance and Condition Ratios
South Central Bank of Hardin County, 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 | 4.4356% | 2,115 |
| Cost of funding earning assets | 0.9692% | 263 |
| Net interest margin | 3.4663% | 3,913 |
| Noninterest income to average assets | 0.6469% | 2,570 |
| Noninterest expense to average assets | 3.3595% | 1,782 |
| Loan and lease loss provision to assets | 0.0313% | 3,975 |
| Net operating income to assets | 0.3884% | 5,256 |
| Return on assets (ROA) | 0.3884% | 5,324 |
| Pretax return on assets | 0.5760% | 5,012 |
| Return on Equity (ROE) | 3.6990% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.6990% | 3,577 |
| Net charge-offs to loans | 0.0555% | 3,721 |
| Credit loss provision to net charge-offs | 78.7879% | 2,892 |
| Earnings coverage of net charge-offs (x) | 15.3030% | 2,092 |
| Efficiency ratio | 84.6923% | 1,324 |
| Assets per employee ($millions) | 6.3648% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 2,538 |
| Loan loss allowance to noncurrent loans | 65.5844% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.8080% | 1,445 |
| Noncurrent loans to loans | 2.2674% | 1,153 |
| Net loans and leases to total assets | 72.7792% | 1,794 |
| Net loans and leases to deposits | 91.2464% | 1,372 |
| Net loans and leases to core deposits | 99.2583% | 1,438 |
| Total domestic deposits to total assets | 79.7612% | 5,076 |
| Equity capital to assets | 11.0826% | 2,825 |
| Core capital (leverage) ratio | 11.0753% | 2,338 |
| Tier 1 risk-based capital ratio | 15.4150% | 3,269 |
| Total risk-based capital ratio | 16.6675% | 3,211 |
| Memoranda: | ||
| Average total assets | $83,166,400 | 4,981 |
| Average earning assets | $79,651,800 | 4,893 |
| Average equity | $8,732,200 | 5,042 |
| Average total loans | $59,505,000 | 4,503 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 2,222 |
| Cost of funding earning assets | 0.9721% | 276 |
| Net interest margin | 3.4274% | 4,118 |
| Noninterest income to average assets | 0.5540% | 3,179 |
| Noninterest expense to average assets | 3.3624% | 1,759 |
| Loan and lease loss provision to assets | 0.0416% | 3,569 |
| Net operating income to assets | 0.3026% | 5,569 |
| Return on assets (ROA) | 0.3026% | 5,647 |
| Pretax return on assets | 0.4467% | 5,478 |
| Return on Equity (ROE) | 2.9224% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.9224% | 4,517 |
| Net charge-offs to loans | 0.0948% | 2,858 |
| Credit loss provision to net charge-offs | 61.9048% | 2,911 |
| Earnings coverage of net charge-offs (x) | 7.2618% | 2,948 |
| Efficiency ratio | 87.3181% | 1,067 |
| Assets per employee ($millions) | 6.0465% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 2,862 |
| Loan loss allowance to noncurrent loans | 62.8053% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.9196% | 1,520 |
| Noncurrent loans to loans | 2.3386% | 1,272 |
| Net loans and leases to total assets | 71.3223% | 1,967 |
| Net loans and leases to deposits | 87.3178% | 1,752 |
| Net loans and leases to core deposits | 94.9830% | 1,760 |
| Total domestic deposits to total assets | 81.6813% | 4,595 |
| Equity capital to assets | 10.4830% | 3,589 |
| Core capital (leverage) ratio | 10.9823% | 2,510 |
| Tier 1 risk-based capital ratio | 15.2765% | 3,431 |
| Total risk-based capital ratio | 16.5291% | 3,373 |
| Memoranda: | ||
| Average total assets | $83,272,500 | 5,035 |
| Average earning assets | $80,098,500 | 4,941 |
| Average equity | $8,622,750 | 5,102 |
| Average total loans | $59,099,250 | 4,555 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 2,108 |
| Cost of funding earning assets | 0.9776% | 283 |
| Net interest margin | 3.4430% | 4,007 |
| Noninterest income to average assets | 0.5531% | 3,098 |
| Noninterest expense to average assets | 3.3908% | 1,697 |
| Loan and lease loss provision to assets | 0.0628% | 3,014 |
| Net operating income to assets | 0.2777% | 5,643 |
| Return on assets (ROA) | 0.2777% | 5,716 |
| Pretax return on assets | 0.4081% | 5,535 |
| Return on Equity (ROE) | 2.6935% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.6935% | 4,490 |
| Net charge-offs to loans | 0.0959% | 2,712 |
| Credit loss provision to net charge-offs | 92.8571% | 2,131 |
| Earnings coverage of net charge-offs (x) | 6.9643% | 2,697 |
| Efficiency ratio | 87.8049% | 1,103 |
| Assets per employee ($millions) | 5.8959% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 2,698 |
| Loan loss allowance to noncurrent loans | 61.3011% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 2.0390% | 1,559 |
| Noncurrent loans to loans | 2.5184% | 1,232 |
| Net loans and leases to total assets | 70.6198% | 1,980 |
| Net loans and leases to deposits | 86.9055% | 1,722 |
| Net loans and leases to core deposits | 94.7960% | 1,701 |
| Total domestic deposits to total assets | 81.2604% | 4,892 |
| Equity capital to assets | 10.6104% | 3,300 |
| Core capital (leverage) ratio | 11.0019% | 2,428 |
| Tier 1 risk-based capital ratio | 15.5830% | 3,307 |
| Total risk-based capital ratio | 16.8369% | 3,261 |
| Memoranda: | ||
| Average total assets | $82,813,000 | 5,085 |
| Average earning assets | $79,581,670 | 4,994 |
| Average equity | $8,539,000 | 5,154 |
| Average total loans | $58,374,000 | 4,597 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3882% | 2,182 |
| Cost of funding earning assets | 0.9690% | 310 |
| Net interest margin | 3.4192% | 4,028 |
| Noninterest income to average assets | 0.5304% | 3,188 |
| Noninterest expense to average assets | 3.4383% | 1,612 |
| Loan and lease loss provision to assets | 0.1254% | 1,932 |
| Net operating income to assets | 0.1736% | 5,872 |
| Return on assets (ROA) | 0.1736% | 5,916 |
| Pretax return on assets | 0.2508% | 5,821 |
| Return on Equity (ROE) | 1.7083% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.7083% | 4,932 |
| Net charge-offs to loans | 0.1242% | 1,975 |
| Credit loss provision to net charge-offs | 144.4444% | 1,289 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 2,541 |
| Efficiency ratio | 90.1391% | 1,024 |
| Assets per employee ($millions) | 6.4084% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 2,883 |
| Loan loss allowance to noncurrent loans | 132.5681% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 1.0803% | 3,093 |
| Noncurrent loans to loans | 1.1768% | 3,082 |
| Net loans and leases to total assets | 69.9852% | 1,886 |
| Net loans and leases to deposits | 85.7626% | 1,629 |
| Net loans and leases to core deposits | 93.4149% | 1,603 |
| Total domestic deposits to total assets | 81.6034% | 5,057 |
| Equity capital to assets | 10.2390% | 3,553 |
| Core capital (leverage) ratio | 10.8074% | 2,590 |
| Tier 1 risk-based capital ratio | 15.6945% | 3,337 |
| Total risk-based capital ratio | 16.9494% | 3,291 |
| Memoranda: | ||
| Average total assets | $82,948,500 | 5,131 |
| Average earning assets | $79,668,000 | 5,035 |
| Average equity | $8,429,500 | 5,194 |
| Average total loans | $57,958,500 | 4,657 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3536% | 2,762 |
| Cost of funding earning assets | 0.9964% | 448 |
| Net interest margin | 3.3572% | 4,452 |
| Noninterest income to average assets | 0.7365% | 2,352 |
| Noninterest expense to average assets | 3.3329% | 2,046 |
| Loan and lease loss provision to assets | 0.1953% | 1,899 |
| Net operating income to assets | 0.2831% | 5,582 |
| Return on assets (ROA) | 0.2839% | 5,674 |
| Pretax return on assets | 0.4186% | 5,448 |
| Return on Equity (ROE) | 2.7319% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.7319% | 4,292 |
| Net charge-offs to loans | 0.3231% | 2,067 |
| Credit loss provision to net charge-offs | 90.9605% | 2,726 |
| Earnings coverage of net charge-offs (x) | 2.8531% | 4,052 |
| Efficiency ratio | 84.4711% | 1,579 |
| Assets per employee ($millions) | 6.3529% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6158% | 2,697 |
| Loan loss allowance to noncurrent loans | 76.9748% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.7811% | 2,074 |
| Noncurrent loans to loans | 2.0992% | 1,882 |
| Net loans and leases to total assets | 67.5316% | 2,429 |
| Net loans and leases to deposits | 82.7456% | 2,104 |
| Net loans and leases to core deposits | 90.1615% | 2,001 |
| Total domestic deposits to total assets | 81.6136% | 5,003 |
| Equity capital to assets | 10.0850% | 3,654 |
| Core capital (leverage) ratio | 11.0376% | 2,357 |
| Tier 1 risk-based capital ratio | 15.9890% | 3,095 |
| Total risk-based capital ratio | 17.2441% | 3,053 |
| Memoranda: | ||
| Average total assets | $82,420,800 | 5,184 |
| Average earning assets | $78,785,200 | 5,062 |
| Average equity | $8,565,400 | 5,194 |
| Average total loans | $54,781,200 | 4,785 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3558% | 2,753 |
| Cost of funding earning assets | 0.9992% | 497 |
| Net interest margin | 3.3566% | 4,443 |
| Noninterest income to average assets | 0.7057% | 2,571 |
| Noninterest expense to average assets | 3.3568% | 1,925 |
| Loan and lease loss provision to assets | 0.1602% | 2,254 |
| Net operating income to assets | 0.2692% | 5,716 |
| Return on assets (ROA) | 0.2703% | 5,818 |
| Pretax return on assets | 0.3981% | 5,626 |
| Return on Equity (ROE) | 2.5817% | 5,756 |
| Retained earnings to average equity (ytd only) | 2.5817% | 4,780 |
| Net charge-offs to loans | 0.3806% | 1,685 |
| Credit loss provision to net charge-offs | 63.8710% | 3,205 |
| Earnings coverage of net charge-offs (x) | 2.2194% | 4,100 |
| Efficiency ratio | 85.7734% | 1,382 |
| Assets per employee ($millions) | 5.6841% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 3,304 |
| Loan loss allowance to noncurrent loans | 81.1111% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.6072% | 2,540 |
| Noncurrent loans to loans | 1.8935% | 2,379 |
| Net loans and leases to total assets | 70.5735% | 1,858 |
| Net loans and leases to deposits | 84.1199% | 1,863 |
| Net loans and leases to core deposits | 91.7004% | 1,790 |
| Total domestic deposits to total assets | 83.8963% | 4,235 |
| Equity capital to assets | 10.5092% | 3,263 |
| Core capital (leverage) ratio | 11.2082% | 2,294 |
| Tier 1 risk-based capital ratio | 15.8391% | 3,279 |
| Total risk-based capital ratio | 17.0933% | 3,228 |
| Memoranda: | ||
| Average total assets | $82,379,000 | 5,234 |
| Average earning assets | $78,728,500 | 5,114 |
| Average equity | $8,624,500 | 5,233 |
| Average total loans | $54,304,250 | 4,843 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 3,096 |
| Cost of funding earning assets | 1.0066% | 529 |
| Net interest margin | 3.2589% | 4,735 |
| Noninterest income to average assets | 0.7226% | 2,538 |
| Noninterest expense to average assets | 3.3464% | 1,949 |
| Loan and lease loss provision to assets | 0.0720% | 3,597 |
| Net operating income to assets | 0.2792% | 5,668 |
| Return on assets (ROA) | 0.2809% | 5,801 |
| Pretax return on assets | 0.4153% | 5,607 |
| Return on Equity (ROE) | 2.6861% | 5,725 |
| Retained earnings to average equity (ytd only) | 2.6861% | 4,601 |
| Net charge-offs to loans | 0.0674% | 3,743 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 11.2222% | 2,072 |
| Efficiency ratio | 87.3434% | 1,291 |
| Assets per employee ($millions) | 5.5584% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7409% | 2,622 |
| Loan loss allowance to noncurrent loans | 71.3530% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.8980% | 2,283 |
| Noncurrent loans to loans | 2.4398% | 1,921 |
| Net loans and leases to total assets | 68.4696% | 2,157 |
| Net loans and leases to deposits | 82.1021% | 2,046 |
| Net loans and leases to core deposits | 88.4508% | 2,064 |
| Total domestic deposits to total assets | 83.3957% | 4,552 |
| Equity capital to assets | 10.8318% | 2,916 |
| Core capital (leverage) ratio | 11.2042% | 2,169 |
| Tier 1 risk-based capital ratio | 16.7078% | 2,836 |
| Total risk-based capital ratio | 17.9649% | 2,804 |
| Memoranda: | ||
| Average total assets | $83,312,670 | 5,240 |
| Average earning assets | $79,474,000 | 5,133 |
| Average equity | $8,711,670 | 5,242 |
| Average total loans | $53,393,330 | 4,902 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 3,598 |
| Cost of funding earning assets | 1.0128% | 576 |
| Net interest margin | 3.1168% | 5,206 |
| Noninterest income to average assets | 0.6228% | 3,015 |
| Noninterest expense to average assets | 3.2070% | 2,329 |
| Loan and lease loss provision to assets | 0.1023% | 2,968 |
| Net operating income to assets | 0.1874% | 5,929 |
| Return on assets (ROA) | 0.1906% | 6,032 |
| Pretax return on assets | 0.2789% | 5,900 |
| Return on Equity (ROE) | 1.8525% | 5,988 |
| Retained earnings to average equity (ytd only) | 1.8525% | 5,071 |
| Net charge-offs to loans | 0.0831% | 3,011 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 7.3636% | 2,079 |
| Efficiency ratio | 89.4942% | 1,187 |
| Assets per employee ($millions) | 5.4365% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 2,728 |
| Loan loss allowance to noncurrent loans | 66.4085% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 2.0148% | 2,326 |
| Noncurrent loans to loans | 2.6675% | 1,924 |
| Net loans and leases to total assets | 64.1217% | 2,679 |
| Net loans and leases to deposits | 75.5942% | 2,699 |
| Net loans and leases to core deposits | 80.3646% | 2,765 |
| Total domestic deposits to total assets | 84.8237% | 4,131 |
| Equity capital to assets | 10.8709% | 3,112 |
| Core capital (leverage) ratio | 10.5297% | 2,736 |
| Tier 1 risk-based capital ratio | 16.9674% | 2,765 |
| Total risk-based capital ratio | 18.2242% | 2,737 |
| Memoranda: | ||
| Average total assets | $86,060,500 | 5,194 |
| Average earning assets | $81,751,500 | 5,093 |
| Average equity | $8,853,000 | 5,254 |
| Average total loans | $52,977,500 | 4,948 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 4,256 |
| Cost of funding earning assets | 1.2174% | 536 |
| Net interest margin | 3.0673% | 5,889 |
| Noninterest income to average assets | 0.6987% | 2,730 |
| Noninterest expense to average assets | 3.2262% | 2,527 |
| Loan and lease loss provision to assets | 0.4527% | 1,391 |
| Net operating income to assets | -0.0235% | 6,204 |
| Return on assets (ROA) | -0.0227% | 6,327 |
| Pretax return on assets | -0.0418% | 6,324 |
| Return on Equity (ROE) | -0.2133% | 6,328 |
| Retained earnings to average equity (ytd only) | -0.2133% | 5,890 |
| Net charge-offs to loans | 0.7373% | 1,597 |
| Credit loss provision to net charge-offs | 99.7368% | 3,110 |
| Earnings coverage of net charge-offs (x) | 0.9026% | 5,021 |
| Efficiency ratio | 88.7319% | 1,171 |
| Assets per employee ($millions) | 5.6608% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7678% | 2,699 |
| Loan loss allowance to noncurrent loans | 61.4370% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.8869% | 2,586 |
| Noncurrent loans to loans | 2.8774% | 1,821 |
| Net loans and leases to total assets | 57.1804% | 4,100 |
| Net loans and leases to deposits | 67.9837% | 3,985 |
| Net loans and leases to core deposits | 71.8358% | 4,062 |
| Total domestic deposits to total assets | 84.1090% | 4,266 |
| Equity capital to assets | 9.7612% | 4,512 |
| Core capital (leverage) ratio | 10.1540% | 3,190 |
| Tier 1 risk-based capital ratio | 17.0637% | 2,617 |
| Total risk-based capital ratio | 18.3219% | 2,581 |
| Memoranda: | ||
| Average total assets | $83,721,800 | 5,253 |
| Average earning assets | $80,169,000 | 5,119 |
| Average equity | $8,906,400 | 5,248 |
| Average total loans | $51,536,600 | 5,043 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 4,089 |
| Cost of funding earning assets | 1.2623% | 527 |
| Net interest margin | 3.1295% | 5,874 |
| Noninterest income to average assets | 0.7072% | 2,673 |
| Noninterest expense to average assets | 3.2841% | 2,315 |
| Loan and lease loss provision to assets | 0.2016% | 3,068 |
| Net operating income to assets | 0.1615% | 6,007 |
| Return on assets (ROA) | 0.1626% | 6,155 |
| Pretax return on assets | 0.2341% | 6,078 |
| Return on Equity (ROE) | 1.4943% | 6,160 |
| Retained earnings to average equity (ytd only) | 1.4943% | 5,588 |
| Net charge-offs to loans | 0.3877% | 2,542 |
| Credit loss provision to net charge-offs | 83.2215% | 3,523 |
| Earnings coverage of net charge-offs (x) | 1.7920% | 4,372 |
| Efficiency ratio | 88.3253% | 1,161 |
| Assets per employee ($millions) | 5.6527% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 3,088 |
| Loan loss allowance to noncurrent loans | 52.7294% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 2.4330% | 2,177 |
| Noncurrent loans to loans | 3.2596% | 1,690 |
| Net loans and leases to total assets | 61.2329% | 3,526 |
| Net loans and leases to deposits | 72.9224% | 3,462 |
| Net loans and leases to core deposits | 77.0601% | 3,594 |
| Total domestic deposits to total assets | 83.9700% | 4,239 |
| Equity capital to assets | 10.5872% | 3,746 |
| Core capital (leverage) ratio | 10.4981% | 2,912 |
| Tier 1 risk-based capital ratio | 17.6612% | 2,476 |
| Total risk-based capital ratio | 18.9183% | 2,442 |
| Memoranda: | ||
| Average total assets | $82,009,000 | 5,352 |
| Average earning assets | $78,903,750 | 5,209 |
| Average equity | $8,922,750 | 5,290 |
| Average total loans | $51,240,250 | 5,115 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 4,006 |
| Cost of funding earning assets | 1.3050% | 519 |
| Net interest margin | 3.1396% | 5,890 |
| Noninterest income to average assets | 0.7129% | 2,593 |
| Noninterest expense to average assets | 3.2806% | 2,359 |
| Loan and lease loss provision to assets | 0.1973% | 3,109 |
| Net operating income to assets | 0.1808% | 5,976 |
| Return on assets (ROA) | 0.1825% | 6,142 |
| Pretax return on assets | 0.2639% | 6,029 |
| Return on Equity (ROE) | 1.6620% | 6,148 |
| Retained earnings to average equity (ytd only) | 1.6620% | 5,371 |
| Net charge-offs to loans | 0.5561% | 1,921 |
| Credit loss provision to net charge-offs | 56.7376% | 3,886 |
| Earnings coverage of net charge-offs (x) | 1.3191% | 4,342 |
| Efficiency ratio | 87.7309% | 1,258 |
| Assets per employee ($millions) | 5.5861% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 3,359 |
| Loan loss allowance to noncurrent loans | 50.1149% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 2.6554% | 2,079 |
| Noncurrent loans to loans | 3.3286% | 1,747 |
| Net loans and leases to total assets | 61.3455% | 3,565 |
| Net loans and leases to deposits | 73.3131% | 3,411 |
| Net loans and leases to core deposits | 77.8111% | 3,544 |
| Total domestic deposits to total assets | 83.6761% | 4,455 |
| Equity capital to assets | 10.6766% | 3,483 |
| Core capital (leverage) ratio | 10.4535% | 2,856 |
| Tier 1 risk-based capital ratio | 17.8612% | 2,339 |
| Total risk-based capital ratio | 19.1180% | 2,305 |
| Memoranda: | ||
| Average total assets | $81,081,670 | 5,408 |
| Average earning assets | $78,163,670 | 5,264 |
| Average equity | $8,904,670 | 5,292 |
| Average total loans | $50,711,000 | 5,168 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 4,344 |
| Cost of funding earning assets | 1.2755% | 699 |
| Net interest margin | 3.1236% | 5,973 |
| Noninterest income to average assets | 0.7074% | 2,625 |
| Noninterest expense to average assets | 3.3264% | 2,214 |
| Loan and lease loss provision to assets | 0.1254% | 3,780 |
| Net operating income to assets | 0.1822% | 6,035 |
| Return on assets (ROA) | 0.1856% | 6,169 |
| Pretax return on assets | 0.2709% | 6,036 |
| Return on Equity (ROE) | 1.6659% | 6,167 |
| Retained earnings to average equity (ytd only) | 1.6659% | 5,401 |
| Net charge-offs to loans | 0.3285% | 2,338 |
| Credit loss provision to net charge-offs | 60.9756% | 3,093 |
| Earnings coverage of net charge-offs (x) | 1.9024% | 3,382 |
| Efficiency ratio | 89.4737% | 1,140 |
| Assets per employee ($millions) | 5.1229% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 2,923 |
| Loan loss allowance to noncurrent loans | 28.2763% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 4.2664% | 1,274 |
| Noncurrent loans to loans | 6.4428% | 744 |
| Net loans and leases to total assets | 60.2909% | 3,602 |
| Net loans and leases to deposits | 73.2487% | 3,241 |
| Net loans and leases to core deposits | 76.8972% | 3,487 |
| Total domestic deposits to total assets | 82.3097% | 5,195 |
| Equity capital to assets | 10.8447% | 3,088 |
| Core capital (leverage) ratio | 11.1680% | 2,135 |
| Tier 1 risk-based capital ratio | 18.6892% | 2,081 |
| Total risk-based capital ratio | 19.9483% | 2,048 |
| Memoranda: | ||
| Average total assets | $79,727,000 | 5,483 |
| Average earning assets | $76,833,500 | 5,332 |
| Average equity | $8,884,000 | 5,319 |
| Average total loans | $49,929,500 | 5,229 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 4,240 |
| Cost of funding earning assets | 1.3235% | 1,369 |
| Net interest margin | 3.3780% | 5,553 |
| Noninterest income to average assets | 0.7955% | 2,088 |
| Noninterest expense to average assets | 3.5182% | 1,940 |
| Loan and lease loss provision to assets | 0.2465% | 3,745 |
| Net operating income to assets | 0.1879% | 5,626 |
| Return on assets (ROA) | 0.2491% | 5,570 |
| Pretax return on assets | 0.3703% | 5,377 |
| Return on Equity (ROE) | 2.1772% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.1772% | 4,666 |
| Net charge-offs to loans | 0.4509% | 3,178 |
| Credit loss provision to net charge-offs | 82.5328% | 4,344 |
| Earnings coverage of net charge-offs (x) | 1.7598% | 4,462 |
| Efficiency ratio | 87.0042% | 1,439 |
| Assets per employee ($millions) | 4.8430% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8839% | 2,619 |
| Loan loss allowance to noncurrent loans | 21.3208% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 5.9764% | 819 |
| Noncurrent loans to loans | 8.8361% | 410 |
| Net loans and leases to total assets | 62.7078% | 3,468 |
| Net loans and leases to deposits | 79.0843% | 2,671 |
| Net loans and leases to core deposits | 83.8426% | 2,913 |
| Total domestic deposits to total assets | 79.2923% | 5,921 |
| Equity capital to assets | 11.4585% | 2,537 |
| Core capital (leverage) ratio | 11.7254% | 1,751 |
| Tier 1 risk-based capital ratio | 19.1594% | 1,852 |
| Total risk-based capital ratio | 20.4185% | 1,816 |
| Memoranda: | ||
| Average total assets | $76,686,000 | 5,548 |
| Average earning assets | $73,741,400 | 5,408 |
| Average equity | $8,772,600 | 5,344 |
| Average total loans | $50,786,800 | 5,240 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7422% | 4,269 |
| Cost of funding earning assets | 1.3401% | 1,500 |
| Net interest margin | 3.4020% | 5,560 |
| Noninterest income to average assets | 0.7583% | 2,271 |
| Noninterest expense to average assets | 3.4986% | 1,939 |
| Loan and lease loss provision to assets | 0.1412% | 4,675 |
| Net operating income to assets | 0.2605% | 5,536 |
| Return on assets (ROA) | 0.3364% | 5,437 |
| Pretax return on assets | 0.5020% | 5,151 |
| Return on Equity (ROE) | 2.9423% | 5,447 |
| Retained earnings to average equity (ytd only) | 2.9423% | 4,590 |
| Net charge-offs to loans | 0.3314% | 3,437 |
| Credit loss provision to net charge-offs | 63.7795% | 4,677 |
| Earnings coverage of net charge-offs (x) | 2.3937% | 3,928 |
| Efficiency ratio | 86.8455% | 1,450 |
| Assets per employee ($millions) | 4.0547% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8788% | 2,677 |
| Loan loss allowance to noncurrent loans | 22.3373% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 5.8204% | 933 |
| Noncurrent loans to loans | 8.4112% | 503 |
| Net loans and leases to total assets | 66.3314% | 2,820 |
| Net loans and leases to deposits | 83.6232% | 2,059 |
| Net loans and leases to core deposits | 88.9632% | 2,369 |
| Total domestic deposits to total assets | 79.3218% | 5,910 |
| Equity capital to assets | 12.1737% | 2,124 |
| Core capital (leverage) ratio | 11.7777% | 1,839 |
| Tier 1 risk-based capital ratio | 19.8463% | 1,723 |
| Total risk-based capital ratio | 21.1075% | 1,692 |
| Memoranda: | ||
| Average total assets | $76,485,500 | 5,595 |
| Average earning assets | $73,522,750 | 5,461 |
| Average equity | $8,746,000 | 5,375 |
| Average total loans | $51,102,500 | 5,268 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 3,550 |
| Cost of funding earning assets | 1.3326% | 1,744 |
| Net interest margin | 3.5829% | 4,778 |
| Noninterest income to average assets | 0.7289% | 2,379 |
| Noninterest expense to average assets | 3.4770% | 2,044 |
| Loan and lease loss provision to assets | 0.1030% | 5,024 |
| Net operating income to assets | 0.3978% | 4,960 |
| Return on assets (ROA) | 0.5100% | 4,595 |
| Pretax return on assets | 0.7649% | 4,160 |
| Return on Equity (ROE) | 4.5519% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.5519% | 3,288 |
| Net charge-offs to loans | 0.1083% | 4,607 |
| Credit loss provision to net charge-offs | 142.8571% | 2,134 |
| Earnings coverage of net charge-offs (x) | 9.7143% | 1,886 |
| Efficiency ratio | 83.2306% | 1,918 |
| Assets per employee ($millions) | 3.9306% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 2,485 |
| Loan loss allowance to noncurrent loans | 30.2333% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 4.3626% | 1,450 |
| Noncurrent loans to loans | 6.4784% | 862 |
| Net loans and leases to total assets | 66.0208% | 3,025 |
| Net loans and leases to deposits | 83.2784% | 2,221 |
| Net loans and leases to core deposits | 88.4458% | 2,576 |
| Total domestic deposits to total assets | 79.2772% | 6,016 |
| Equity capital to assets | 11.8772% | 2,190 |
| Core capital (leverage) ratio | 11.3585% | 2,007 |
| Tier 1 risk-based capital ratio | 19.3776% | 1,746 |
| Total risk-based capital ratio | 20.6392% | 1,713 |
| Memoranda: | ||
| Average total assets | $77,652,330 | 5,606 |
| Average earning assets | $74,743,330 | 5,473 |
| Average equity | $8,699,670 | 5,408 |
| Average total loans | $51,690,330 | 5,294 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9042% | 3,568 |
| Cost of funding earning assets | 1.3404% | 1,948 |
| Net interest margin | 3.5638% | 4,752 |
| Noninterest income to average assets | 0.6975% | 2,592 |
| Noninterest expense to average assets | 3.3814% | 2,327 |
| Loan and lease loss provision to assets | 0.1264% | 4,418 |
| Net operating income to assets | 0.4111% | 4,899 |
| Return on assets (ROA) | 0.4145% | 4,974 |
| Pretax return on assets | 0.6217% | 4,598 |
| Return on Equity (ROE) | 3.8075% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.8075% | 3,887 |
| Net charge-offs to loans | 0.4657% | 2,302 |
| Credit loss provision to net charge-offs | 40.9836% | 3,924 |
| Earnings coverage of net charge-offs (x) | 2.4098% | 3,114 |
| Efficiency ratio | 81.9853% | 2,229 |
| Assets per employee ($millions) | 4.0082% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 2,754 |
| Loan loss allowance to noncurrent loans | 33.0046% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 3.5415% | 1,919 |
| Noncurrent loans to loans | 5.7013% | 1,138 |
| Net loans and leases to total assets | 60.9496% | 4,089 |
| Net loans and leases to deposits | 75.5372% | 3,487 |
| Net loans and leases to core deposits | 79.0867% | 3,871 |
| Total domestic deposits to total assets | 80.6881% | 5,752 |
| Equity capital to assets | 10.8055% | 2,877 |
| Core capital (leverage) ratio | 11.0814% | 2,128 |
| Tier 1 risk-based capital ratio | 18.6988% | 1,896 |
| Total risk-based capital ratio | 19.9582% | 1,850 |
| Memoranda: | ||
| Average total assets | $79,138,000 | 5,614 |
| Average earning assets | $76,098,500 | 5,470 |
| Average equity | $8,614,500 | 5,433 |
| Average total loans | $52,390,500 | 5,316 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5238% | 2,190 |
| Cost of funding earning assets | 1.7950% | 1,189 |
| Net interest margin | 3.7288% | 4,234 |
| Noninterest income to average assets | 0.9218% | 1,770 |
| Noninterest expense to average assets | 3.2192% | 3,015 |
| Loan and lease loss provision to assets | 0.7950% | 2,051 |
| Net operating income to assets | 0.3273% | 4,841 |
| Return on assets (ROA) | 0.3308% | 4,982 |
| Pretax return on assets | 0.4929% | 4,645 |
| Return on Equity (ROE) | 2.9913% | 4,959 |
| Retained earnings to average equity (ytd only) | 2.9913% | 3,751 |
| Net charge-offs to loans | 1.0442% | 2,115 |
| Credit loss provision to net charge-offs | 105.7391% | 4,235 |
| Earnings coverage of net charge-offs (x) | 1.7061% | 4,442 |
| Efficiency ratio | 71.5074% | 3,890 |
| Assets per employee ($millions) | 4.5949% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 2,959 |
| Loan loss allowance to noncurrent loans | 27.1484% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 4.6394% | 1,432 |
| Noncurrent loans to loans | 6.5181% | 917 |
| Net loans and leases to total assets | 69.1460% | 2,731 |
| Net loans and leases to deposits | 86.1573% | 2,065 |
| Net loans and leases to core deposits | 89.0523% | 2,890 |
| Total domestic deposits to total assets | 80.2555% | 5,767 |
| Equity capital to assets | 10.9674% | 2,718 |
| Core capital (leverage) ratio | 11.0070% | 2,160 |
| Tier 1 risk-based capital ratio | 16.8839% | 2,394 |
| Total risk-based capital ratio | 18.1421% | 2,357 |
| Memoranda: | ||
| Average total assets | $76,478,800 | 5,696 |
| Average earning assets | $73,427,800 | 5,558 |
| Average equity | $8,457,800 | 5,563 |
| Average total loans | $55,068,000 | 5,270 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5971% | 2,073 |
| Cost of funding earning assets | 1.9016% | 1,024 |
| Net interest margin | 3.6955% | 4,425 |
| Noninterest income to average assets | 0.8658% | 1,929 |
| Noninterest expense to average assets | 3.2881% | 2,610 |
| Loan and lease loss provision to assets | 0.8729% | 1,741 |
| Net operating income to assets | 0.1739% | 5,578 |
| Return on assets (ROA) | 0.1788% | 5,733 |
| Pretax return on assets | 0.2577% | 5,594 |
| Return on Equity (ROE) | 1.6132% | 5,730 |
| Retained earnings to average equity (ytd only) | 1.6132% | 5,146 |
| Net charge-offs to loans | 1.1787% | 1,730 |
| Credit loss provision to net charge-offs | 102.2587% | 4,213 |
| Earnings coverage of net charge-offs (x) | 1.3162% | 4,761 |
| Efficiency ratio | 74.5332% | 3,223 |
| Assets per employee ($millions) | 4.0832% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 3,132 |
| Loan loss allowance to noncurrent loans | 24.7077% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 5.0128% | 1,284 |
| Noncurrent loans to loans | 6.9034% | 828 |
| Net loans and leases to total assets | 70.6410% | 2,577 |
| Net loans and leases to deposits | 88.2882% | 1,977 |
| Net loans and leases to core deposits | 89.7793% | 3,127 |
| Total domestic deposits to total assets | 80.0119% | 5,710 |
| Equity capital to assets | 11.0929% | 2,861 |
| Core capital (leverage) ratio | 10.8335% | 2,385 |
| Tier 1 risk-based capital ratio | 16.2943% | 2,638 |
| Total risk-based capital ratio | 17.5515% | 2,589 |
| Memoranda: | ||
| Average total assets | $76,070,250 | 5,769 |
| Average earning assets | $72,988,250 | 5,634 |
| Average equity | $8,430,500 | 5,647 |
| Average total loans | $55,088,750 | 5,340 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6994% | 1,768 |
| Cost of funding earning assets | 2.0140% | 878 |
| Net interest margin | 3.6854% | 4,428 |
| Noninterest income to average assets | 0.8549% | 1,866 |
| Noninterest expense to average assets | 3.2845% | 2,609 |
| Loan and lease loss provision to assets | 1.2439% | 1,123 |
| Net operating income to assets | -0.0900% | 6,214 |
| Return on assets (ROA) | -0.0900% | 6,289 |
| Pretax return on assets | -0.1429% | 6,285 |
| Return on Equity (ROE) | -0.8122% | 6,297 |
| Retained earnings to average equity (ytd only) | -0.8122% | 5,926 |
| Net charge-offs to loans | 1.7643% | 1,059 |
| Credit loss provision to net charge-offs | 97.1074% | 4,209 |
| Earnings coverage of net charge-offs (x) | 0.8595% | 4,907 |
| Efficiency ratio | 74.8944% | 3,280 |
| Assets per employee ($millions) | 4.2930% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 3,055 |
| Loan loss allowance to noncurrent loans | 25.3907% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 4.7791% | 1,357 |
| Noncurrent loans to loans | 6.7137% | 873 |
| Net loans and leases to total assets | 69.0996% | 3,106 |
| Net loans and leases to deposits | 85.9811% | 2,509 |
| Net loans and leases to core deposits | 87.7892% | 3,575 |
| Total domestic deposits to total assets | 80.3660% | 5,607 |
| Equity capital to assets | 10.8626% | 3,007 |
| Core capital (leverage) ratio | 10.9361% | 2,288 |
| Tier 1 risk-based capital ratio | 16.6580% | 2,420 |
| Total risk-based capital ratio | 17.9160% | 2,364 |
| Memoranda: | ||
| Average total assets | $75,566,670 | 5,815 |
| Average earning assets | $72,394,000 | 5,694 |
| Average equity | $8,372,000 | 5,673 |
| Average total loans | $54,866,670 | 5,386 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8221% | 1,396 |
| Cost of funding earning assets | 2.0657% | 900 |
| Net interest margin | 3.7564% | 3,972 |
| Noninterest income to average assets | 0.7656% | 2,201 |
| Noninterest expense to average assets | 3.4318% | 2,151 |
| Loan and lease loss provision to assets | 0.3855% | 3,051 |
| Net operating income to assets | 0.3641% | 5,002 |
| Return on assets (ROA) | 0.3641% | 5,127 |
| Pretax return on assets | 0.5407% | 4,816 |
| Return on Equity (ROE) | 3.2532% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.2532% | 4,196 |
| Net charge-offs to loans | 0.4860% | 2,601 |
| Credit loss provision to net charge-offs | 107.4627% | 3,198 |
| Earnings coverage of net charge-offs (x) | 2.5821% | 3,246 |
| Efficiency ratio | 78.7469% | 2,769 |
| Assets per employee ($millions) | 3.9484% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 3,071 |
| Loan loss allowance to noncurrent loans | 21.4968% | 6,937 |
| Noncurrent assets plus other real estate owned to assets | 5.8598% | 1,036 |
| Noncurrent loans to loans | 7.8940% | 691 |
| Net loans and leases to total assets | 72.9712% | 2,207 |
| Net loans and leases to deposits | 91.7245% | 1,649 |
| Net loans and leases to core deposits | 94.5638% | 2,757 |
| Total domestic deposits to total assets | 79.5548% | 5,927 |
| Equity capital to assets | 11.2023% | 2,590 |
| Core capital (leverage) ratio | 11.2398% | 2,061 |
| Tier 1 risk-based capital ratio | 16.1463% | 2,586 |
| Total risk-based capital ratio | 17.4048% | 2,543 |
| Memoranda: | ||
| Average total assets | $74,713,000 | 5,915 |
| Average earning assets | $71,451,500 | 5,801 |
| Average equity | $8,361,000 | 5,726 |
| Average total loans | $55,139,000 | 5,450 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9527% | 2,045 |
| Cost of funding earning assets | 2.7160% | 559 |
| Net interest margin | 3.2367% | 5,969 |
| Noninterest income to average assets | 0.6978% | 2,995 |
| Noninterest expense to average assets | 3.2945% | 3,026 |
| Loan and lease loss provision to assets | 0.7319% | 2,916 |
| Net operating income to assets | -0.1741% | 5,809 |
| Return on assets (ROA) | -0.1634% | 5,789 |
| Pretax return on assets | -0.2388% | 5,749 |
| Return on Equity (ROE) | -1.3680% | 5,751 |
| Retained earnings to average equity (ytd only) | -1.3680% | 5,361 |
| Net charge-offs to loans | 0.3720% | 4,351 |
| Credit loss provision to net charge-offs | 252.4510% | 1,401 |
| Earnings coverage of net charge-offs (x) | 1.6471% | 4,503 |
| Efficiency ratio | 87.3399% | 1,945 |
| Assets per employee ($millions) | 3.5431% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7347% | 2,768 |
| Loan loss allowance to noncurrent loans | 32.4537% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 3.9849% | 1,658 |
| Noncurrent loans to loans | 5.3453% | 1,225 |
| Net loans and leases to total assets | 72.0950% | 2,734 |
| Net loans and leases to deposits | 90.7419% | 2,089 |
| Net loans and leases to core deposits | 105.8757% | 3,354 |
| Total domestic deposits to total assets | 79.4506% | 5,863 |
| Equity capital to assets | 11.1792% | 2,549 |
| Core capital (leverage) ratio | 11.1858% | 2,117 |
| Tier 1 risk-based capital ratio | 16.0292% | 2,511 |
| Total risk-based capital ratio | 17.2869% | 2,436 |
| Memoranda: | ||
| Average total assets | $70,360,400 | 5,992 |
| Average earning assets | $66,826,400 | 5,901 |
| Average equity | $8,406,600 | 5,800 |
| Average total loans | $54,846,000 | 5,469 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0254% | 1,935 |
| Cost of funding earning assets | 2.8051% | 586 |
| Net interest margin | 3.2203% | 5,946 |
| Noninterest income to average assets | 0.6864% | 3,114 |
| Noninterest expense to average assets | 3.3511% | 2,726 |
| Loan and lease loss provision to assets | 0.4326% | 3,742 |
| Net operating income to assets | -0.0404% | 5,783 |
| Return on assets (ROA) | -0.0192% | 5,804 |
| Pretax return on assets | -0.0192% | 5,736 |
| Return on Equity (ROE) | -0.1581% | 5,803 |
| Retained earnings to average equity (ytd only) | -0.1581% | 5,250 |
| Net charge-offs to loans | 0.3691% | 3,808 |
| Credit loss provision to net charge-offs | 148.0263% | 3,267 |
| Earnings coverage of net charge-offs (x) | 1.3421% | 4,778 |
| Efficiency ratio | 89.5223% | 1,733 |
| Assets per employee ($millions) | 3.5457% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,346 |
| Loan loss allowance to noncurrent loans | 28.6118% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 3.5026% | 1,897 |
| Noncurrent loans to loans | 4.6333% | 1,490 |
| Net loans and leases to total assets | 70.8743% | 3,298 |
| Net loans and leases to deposits | 89.4442% | 2,687 |
| Net loans and leases to core deposits | 108.5797% | 3,401 |
| Total domestic deposits to total assets | 79.2385% | 5,718 |
| Equity capital to assets | 11.3296% | 2,725 |
| Core capital (leverage) ratio | 11.2428% | 2,228 |
| Tier 1 risk-based capital ratio | 16.6148% | 2,389 |
| Total risk-based capital ratio | 17.8668% | 2,339 |
| Memoranda: | ||
| Average total assets | $69,349,000 | 6,063 |
| Average earning assets | $65,831,000 | 5,969 |
| Average equity | $8,428,750 | 5,842 |
| Average total loans | $54,910,000 | 5,519 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2008% | 1,450 |
| Cost of funding earning assets | 2.8554% | 681 |
| Net interest margin | 3.3454% | 5,384 |
| Noninterest income to average assets | 0.7273% | 2,826 |
| Noninterest expense to average assets | 3.7371% | 1,765 |
| Loan and lease loss provision to assets | 0.3991% | 3,524 |
| Net operating income to assets | -0.2395% | 6,245 |
| Return on assets (ROA) | -0.2365% | 6,258 |
| Pretax return on assets | -0.2365% | 6,163 |
| Return on Equity (ROE) | -1.8988% | 6,206 |
| Retained earnings to average equity (ytd only) | -1.8988% | 5,710 |
| Net charge-offs to loans | 0.4767% | 2,926 |
| Credit loss provision to net charge-offs | 102.2727% | 4,475 |
| Earnings coverage of net charge-offs (x) | 0.4091% | 5,280 |
| Efficiency ratio | 95.9029% | 1,382 |
| Assets per employee ($millions) | 3.8775% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,282 |
| Loan loss allowance to noncurrent loans | 36.5953% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 2.5206% | 2,555 |
| Noncurrent loans to loans | 3.1375% | 2,274 |
| Net loans and leases to total assets | 73.8557% | 2,747 |
| Net loans and leases to deposits | 96.7289% | 1,695 |
| Net loans and leases to core deposits | 119.3459% | 2,423 |
| Total domestic deposits to total assets | 76.3533% | 6,478 |
| Equity capital to assets | 11.3164% | 2,666 |
| Core capital (leverage) ratio | 11.5305% | 2,070 |
| Tier 1 risk-based capital ratio | 15.4522% | 2,830 |
| Total risk-based capital ratio | 16.6725% | 2,772 |
| Memoranda: | ||
| Average total assets | $67,645,330 | 6,165 |
| Average earning assets | $64,088,000 | 6,074 |
| Average equity | $8,426,330 | 5,876 |
| Average total loans | $55,386,000 | 5,538 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2741% | 1,375 |
| Cost of funding earning assets | 2.8406% | 886 |
| Net interest margin | 3.4335% | 4,999 |
| Noninterest income to average assets | 0.8355% | 2,148 |
| Noninterest expense to average assets | 3.6081% | 1,849 |
| Loan and lease loss provision to assets | 0.1423% | 5,123 |
| Net operating income to assets | 0.2290% | 5,562 |
| Return on assets (ROA) | 0.2290% | 5,725 |
| Pretax return on assets | 0.3466% | 5,543 |
| Return on Equity (ROE) | 1.7471% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.7471% | 4,879 |
| Net charge-offs to loans | 0.0072% | 5,580 |
| Credit loss provision to net charge-offs | 2,300.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 527 |
| Efficiency ratio | 88.0665% | 1,890 |
| Assets per employee ($millions) | 3.5108% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 5,061 |
| Loan loss allowance to noncurrent loans | 58.9720% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.5794% | 3,561 |
| Noncurrent loans to loans | 1.9654% | 3,312 |
| Net loans and leases to total assets | 79.4278% | 1,493 |
| Net loans and leases to deposits | 105.9479% | 866 |
| Net loans and leases to core deposits | 135.7322% | 1,323 |
| Total domestic deposits to total assets | 74.9687% | 6,720 |
| Equity capital to assets | 12.0941% | 2,205 |
| Core capital (leverage) ratio | 12.9734% | 1,491 |
| Tier 1 risk-based capital ratio | 15.3415% | 2,915 |
| Total risk-based capital ratio | 16.5664% | 2,871 |
| Memoranda: | ||
| Average total assets | $64,632,000 | 6,306 |
| Average earning assets | $61,395,000 | 6,197 |
| Average equity | $8,471,000 | 5,889 |
| Average total loans | $55,557,500 | 5,558 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0627% | 990 |
| Cost of funding earning assets | 2.9144% | 2,199 |
| Net interest margin | 4.1483% | 2,510 |
| Noninterest income to average assets | 0.8460% | 2,253 |
| Noninterest expense to average assets | 3.9940% | 1,427 |
| Loan and lease loss provision to assets | 1.0530% | 1,384 |
| Net operating income to assets | -0.1870% | 6,608 |
| Return on assets (ROA) | -0.1870% | 6,455 |
| Pretax return on assets | -0.2887% | 6,448 |
| Return on Equity (ROE) | -1.2047% | 6,392 |
| Retained earnings to average equity (ytd only) | -1.2047% | 5,659 |
| Net charge-offs to loans | 1.0397% | 1,183 |
| Credit loss provision to net charge-offs | 110.4762% | 4,880 |
| Earnings coverage of net charge-offs (x) | 0.8019% | 5,752 |
| Efficiency ratio | 83.9374% | 2,059 |
| Assets per employee ($millions) | 2.9524% | 6,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 4,916 |
| Loan loss allowance to noncurrent loans | 79.4192% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.6461% | 2,951 |
| Noncurrent loans to loans | 1.4482% | 3,629 |
| Net loans and leases to total assets | 91.5543% | 98 |
| Net loans and leases to deposits | 134.8155% | 155 |
| Net loans and leases to core deposits | 178.7731% | 300 |
| Total domestic deposits to total assets | 67.9109% | 7,480 |
| Equity capital to assets | 14.3104% | 1,346 |
| Core capital (leverage) ratio | 15.1483% | 995 |
| Tier 1 risk-based capital ratio | 16.1707% | 2,598 |
| Total risk-based capital ratio | 17.4203% | 2,531 |
| Memoranda: | ||
| Average total assets | $55,083,200 | 6,570 |
| Average earning assets | $51,949,000 | 6,508 |
| Average equity | $8,550,000 | 5,890 |
| Average total loans | $50,497,200 | 5,686 |