Home > SouthCoast Community Bank > Performance and Condition Ratios
SouthCoast Community Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 1,992 |
| Cost of funding earning assets | 0.7290% | 697 |
| Net interest margin | 3.6125% | 3,037 |
| Noninterest income to average assets | 0.5210% | 2,980 |
| Noninterest expense to average assets | 2.4343% | 4,279 |
| Loan and lease loss provision to assets | -0.4122% | 6,072 |
| Net operating income to assets | 1.5284% | 812 |
| Return on assets (ROA) | 1.5284% | 856 |
| Pretax return on assets | 1.7707% | 898 |
| Return on Equity (ROE) | 13.5757% | 915 |
| Retained earnings to average equity (ytd only) | 13.5757% | 347 |
| Net charge-offs to loans | -0.1314% | 5,734 |
| Credit loss provision to net charge-offs | 393.7008% | 718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1817% | 4,092 |
| Assets per employee ($millions) | 5.7720% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 3,726 |
| Loan loss allowance to noncurrent loans | 144.8084% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 3,032 |
| Noncurrent loans to loans | 0.7991% | 2,839 |
| Net loans and leases to total assets | 79.7905% | 846 |
| Net loans and leases to deposits | 110.3355% | 221 |
| Net loans and leases to core deposits | 112.5662% | 728 |
| Total domestic deposits to total assets | 72.3162% | 5,751 |
| Equity capital to assets | 11.7486% | 2,204 |
| Core capital (leverage) ratio | 11.8486% | 1,712 |
| Tier 1 risk-based capital ratio | 16.2516% | 2,571 |
| Total risk-based capital ratio | 17.5021% | 2,529 |
| Memoranda: | ||
| Average total assets | $485,223,000 | 1,430 |
| Average earning assets | $439,477,500 | 1,453 |
| Average equity | $54,627,000 | 1,415 |
| Average total loans | $386,540,500 | 1,228 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4388% | 1,775 |
| Cost of funding earning assets | 0.7430% | 661 |
| Net interest margin | 3.6958% | 2,763 |
| Noninterest income to average assets | 0.6949% | 2,225 |
| Noninterest expense to average assets | 2.6731% | 3,679 |
| Loan and lease loss provision to assets | -0.1933% | 5,980 |
| Net operating income to assets | 1.0138% | 2,287 |
| Return on assets (ROA) | 1.0138% | 2,370 |
| Pretax return on assets | 1.5502% | 1,408 |
| Return on Equity (ROE) | 9.5548% | 2,198 |
| Retained earnings to average equity (ytd only) | 9.5548% | 524 |
| Net charge-offs to loans | -0.0346% | 5,448 |
| Credit loss provision to net charge-offs | 716.7939% | 465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3296% | 3,849 |
| Assets per employee ($millions) | 5.8487% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 3,313 |
| Loan loss allowance to noncurrent loans | 152.2388% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 3,058 |
| Noncurrent loans to loans | 0.8054% | 2,771 |
| Net loans and leases to total assets | 77.6870% | 1,166 |
| Net loans and leases to deposits | 112.3856% | 195 |
| Net loans and leases to core deposits | 116.6408% | 585 |
| Total domestic deposits to total assets | 69.1254% | 5,932 |
| Equity capital to assets | 10.7911% | 3,040 |
| Core capital (leverage) ratio | 11.3606% | 2,077 |
| Tier 1 risk-based capital ratio | 15.4973% | 2,933 |
| Total risk-based capital ratio | 16.7504% | 2,868 |
| Memoranda: | ||
| Average total assets | $485,795,800 | 1,386 |
| Average earning assets | $438,386,200 | 1,420 |
| Average equity | $51,544,600 | 1,439 |
| Average total loans | $378,884,200 | 1,217 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 1,718 |
| Cost of funding earning assets | 0.7483% | 653 |
| Net interest margin | 3.7149% | 2,695 |
| Noninterest income to average assets | 0.7114% | 2,179 |
| Noninterest expense to average assets | 2.5500% | 4,047 |
| Loan and lease loss provision to assets | -0.2485% | 6,130 |
| Net operating income to assets | 1.1440% | 1,852 |
| Return on assets (ROA) | 1.1440% | 1,918 |
| Pretax return on assets | 1.7539% | 985 |
| Return on Equity (ROE) | 10.8297% | 1,772 |
| Retained earnings to average equity (ytd only) | 10.8297% | 498 |
| Net charge-offs to loans | -0.0248% | 5,273 |
| Credit loss provision to net charge-offs | 1,285.7143% | 285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8795% | 4,427 |
| Assets per employee ($millions) | 5.4658% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 3,491 |
| Loan loss allowance to noncurrent loans | 104.2832% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.5076% | 1,492 |
| Noncurrent loans to loans | 1.1787% | 2,175 |
| Net loans and leases to total assets | 80.6402% | 733 |
| Net loans and leases to deposits | 107.9156% | 307 |
| Net loans and leases to core deposits | 114.2936% | 657 |
| Total domestic deposits to total assets | 74.7252% | 5,644 |
| Equity capital to assets | 11.1511% | 2,847 |
| Core capital (leverage) ratio | 11.1528% | 2,348 |
| Tier 1 risk-based capital ratio | 15.2526% | 3,164 |
| Total risk-based capital ratio | 16.5113% | 3,098 |
| Memoranda: | ||
| Average total assets | $482,959,750 | 1,398 |
| Average earning assets | $434,742,750 | 1,434 |
| Average equity | $51,019,000 | 1,462 |
| Average total loans | $375,853,500 | 1,224 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 1,867 |
| Cost of funding earning assets | 0.7414% | 681 |
| Net interest margin | 3.6521% | 2,902 |
| Noninterest income to average assets | 0.8153% | 1,716 |
| Noninterest expense to average assets | 2.5021% | 4,237 |
| Loan and lease loss provision to assets | -0.3708% | 6,251 |
| Net operating income to assets | 1.2809% | 1,377 |
| Return on assets (ROA) | 1.2809% | 1,437 |
| Pretax return on assets | 1.9677% | 637 |
| Return on Equity (ROE) | 12.3496% | 1,272 |
| Retained earnings to average equity (ytd only) | 12.3496% | 365 |
| Net charge-offs to loans | -0.1528% | 5,938 |
| Credit loss provision to net charge-offs | 316.9014% | 897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0413% | 4,824 |
| Assets per employee ($millions) | 5.3698% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 3,239 |
| Loan loss allowance to noncurrent loans | 105.2787% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.4676% | 1,690 |
| Noncurrent loans to loans | 1.2353% | 2,183 |
| Net loans and leases to total assets | 75.7749% | 1,398 |
| Net loans and leases to deposits | 103.3827% | 479 |
| Net loans and leases to core deposits | 110.5032% | 809 |
| Total domestic deposits to total assets | 73.2955% | 5,843 |
| Equity capital to assets | 10.3541% | 3,612 |
| Core capital (leverage) ratio | 11.0179% | 2,402 |
| Tier 1 risk-based capital ratio | 14.8715% | 3,430 |
| Total risk-based capital ratio | 16.1268% | 3,360 |
| Memoranda: | ||
| Average total assets | $485,439,000 | 1,402 |
| Average earning assets | $436,462,670 | 1,438 |
| Average equity | $50,350,000 | 1,485 |
| Average total loans | $371,726,670 | 1,243 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 1,382 |
| Cost of funding earning assets | 0.7506% | 654 |
| Net interest margin | 3.7779% | 2,310 |
| Noninterest income to average assets | 1.0918% | 950 |
| Noninterest expense to average assets | 2.5097% | 4,234 |
| Loan and lease loss provision to assets | -0.7524% | 6,372 |
| Net operating income to assets | 1.7665% | 515 |
| Return on assets (ROA) | 1.7665% | 541 |
| Pretax return on assets | 2.7262% | 182 |
| Return on Equity (ROE) | 17.0160% | 470 |
| Retained earnings to average equity (ytd only) | 17.0160% | 179 |
| Net charge-offs to loans | -0.1891% | 6,043 |
| Credit loss provision to net charge-offs | 520.2312% | 527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9761% | 5,516 |
| Assets per employee ($millions) | 5.3418% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 3,272 |
| Loan loss allowance to noncurrent loans | 93.0344% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.7344% | 1,436 |
| Noncurrent loans to loans | 1.4253% | 2,010 |
| Net loans and leases to total assets | 74.6244% | 1,413 |
| Net loans and leases to deposits | 100.9001% | 516 |
| Net loans and leases to core deposits | 107.9847% | 824 |
| Total domestic deposits to total assets | 73.9587% | 5,905 |
| Equity capital to assets | 10.4882% | 3,548 |
| Core capital (leverage) ratio | 11.0884% | 2,324 |
| Tier 1 risk-based capital ratio | 14.8066% | 3,539 |
| Total risk-based capital ratio | 16.0679% | 3,469 |
| Memoranda: | ||
| Average total assets | $478,461,000 | 1,430 |
| Average earning assets | $429,547,500 | 1,464 |
| Average equity | $49,671,000 | 1,513 |
| Average total loans | $365,889,000 | 1,253 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5193% | 1,795 |
| Cost of funding earning assets | 0.8460% | 520 |
| Net interest margin | 3.6733% | 3,113 |
| Noninterest income to average assets | 0.5891% | 2,924 |
| Noninterest expense to average assets | 2.7037% | 3,851 |
| Loan and lease loss provision to assets | -0.1315% | 6,202 |
| Net operating income to assets | 0.8285% | 3,230 |
| Return on assets (ROA) | 0.8442% | 3,243 |
| Pretax return on assets | 1.2798% | 2,309 |
| Return on Equity (ROE) | 8.0103% | 3,131 |
| Retained earnings to average equity (ytd only) | 1.7701% | 4,930 |
| Net charge-offs to loans | -0.0463% | 5,906 |
| Credit loss provision to net charge-offs | 372.6708% | 702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6276% | 3,441 |
| Assets per employee ($millions) | 5.3502% | 1,903 |
| Cash dividends to net income (ytd only)* | 77.9018% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 2,305 |
| Loan loss allowance to noncurrent loans | 85.3833% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.1374% | 1,149 |
| Noncurrent loans to loans | 1.8017% | 1,595 |
| Net loans and leases to total assets | 76.1545% | 1,241 |
| Net loans and leases to deposits | 106.5975% | 335 |
| Net loans and leases to core deposits | 111.5791% | 706 |
| Total domestic deposits to total assets | 71.4412% | 6,121 |
| Equity capital to assets | 10.2711% | 3,763 |
| Core capital (leverage) ratio | 10.6099% | 2,826 |
| Tier 1 risk-based capital ratio | 14.2252% | 3,946 |
| Total risk-based capital ratio | 15.4862% | 3,868 |
| Memoranda: | ||
| Average total assets | $456,154,600 | 1,461 |
| Average earning assets | $402,232,000 | 1,519 |
| Average equity | $48,075,800 | 1,498 |
| Average total loans | $348,071,400 | 1,266 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5502% | 1,705 |
| Cost of funding earning assets | 0.8631% | 507 |
| Net interest margin | 3.6870% | 3,079 |
| Noninterest income to average assets | 0.5504% | 3,201 |
| Noninterest expense to average assets | 2.7017% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7208% | 3,833 |
| Return on assets (ROA) | 0.7420% | 3,822 |
| Pretax return on assets | 1.1194% | 3,110 |
| Return on Equity (ROE) | 6.9935% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.9935% | 1,827 |
| Net charge-offs to loans | 0.0399% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 35.8252% | 1,209 |
| Efficiency ratio | 71.3041% | 3,294 |
| Assets per employee ($millions) | 5.2217% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 2,065 |
| Loan loss allowance to noncurrent loans | 74.0768% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 2.6280% | 978 |
| Noncurrent loans to loans | 2.2568% | 1,336 |
| Net loans and leases to total assets | 76.0071% | 1,220 |
| Net loans and leases to deposits | 106.7209% | 302 |
| Net loans and leases to core deposits | 113.6050% | 598 |
| Total domestic deposits to total assets | 71.2204% | 6,219 |
| Equity capital to assets | 10.7781% | 3,207 |
| Core capital (leverage) ratio | 10.8093% | 2,686 |
| Tier 1 risk-based capital ratio | 14.6844% | 3,764 |
| Total risk-based capital ratio | 15.9429% | 3,703 |
| Memoranda: | ||
| Average total assets | $452,489,750 | 1,478 |
| Average earning assets | $397,455,250 | 1,551 |
| Average equity | $48,005,250 | 1,505 |
| Average total loans | $344,052,250 | 1,281 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 1,601 |
| Cost of funding earning assets | 0.8727% | 496 |
| Net interest margin | 3.6997% | 2,965 |
| Noninterest income to average assets | 0.5203% | 3,341 |
| Noninterest expense to average assets | 2.7226% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6891% | 3,905 |
| Return on assets (ROA) | 0.7211% | 3,825 |
| Pretax return on assets | 1.0859% | 3,153 |
| Return on Equity (ROE) | 6.8339% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.8339% | 1,850 |
| Net charge-offs to loans | 0.0024% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 583.7500% | 121 |
| Efficiency ratio | 72.4093% | 3,266 |
| Assets per employee ($millions) | 5.1606% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 2,045 |
| Loan loss allowance to noncurrent loans | 79.3715% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 2.7259% | 963 |
| Noncurrent loans to loans | 2.1760% | 1,513 |
| Net loans and leases to total assets | 74.7903% | 1,335 |
| Net loans and leases to deposits | 101.8982% | 456 |
| Net loans and leases to core deposits | 108.9301% | 731 |
| Total domestic deposits to total assets | 73.3971% | 6,160 |
| Equity capital to assets | 10.5897% | 3,326 |
| Core capital (leverage) ratio | 10.4020% | 3,079 |
| Tier 1 risk-based capital ratio | 14.0784% | 4,209 |
| Total risk-based capital ratio | 15.3378% | 4,130 |
| Memoranda: | ||
| Average total assets | $450,151,000 | 1,482 |
| Average earning assets | $394,198,670 | 1,554 |
| Average equity | $47,498,330 | 1,512 |
| Average total loans | $340,338,000 | 1,290 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 1,319 |
| Cost of funding earning assets | 0.8917% | 477 |
| Net interest margin | 3.7806% | 2,551 |
| Noninterest income to average assets | 0.5377% | 3,127 |
| Noninterest expense to average assets | 2.7820% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7047% | 3,664 |
| Return on assets (ROA) | 0.7047% | 3,742 |
| Pretax return on assets | 1.0557% | 3,105 |
| Return on Equity (ROE) | 6.6910% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.6910% | 2,194 |
| Net charge-offs to loans | -0.1251% | 6,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4912% | 3,403 |
| Assets per employee ($millions) | 4.7092% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 2,001 |
| Loan loss allowance to noncurrent loans | 71.7320% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 2.8687% | 1,019 |
| Noncurrent loans to loans | 2.5253% | 1,367 |
| Net loans and leases to total assets | 74.4664% | 1,195 |
| Net loans and leases to deposits | 99.6599% | 450 |
| Net loans and leases to core deposits | 106.9778% | 717 |
| Total domestic deposits to total assets | 74.7206% | 6,184 |
| Equity capital to assets | 10.6137% | 3,127 |
| Core capital (leverage) ratio | 10.4237% | 3,023 |
| Tier 1 risk-based capital ratio | 14.0975% | 4,265 |
| Total risk-based capital ratio | 15.3564% | 4,210 |
| Memoranda: | ||
| Average total assets | $445,578,500 | 1,503 |
| Average earning assets | $388,935,500 | 1,588 |
| Average equity | $46,928,500 | 1,523 |
| Average total loans | $335,734,000 | 1,307 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 1,915 |
| Cost of funding earning assets | 0.9592% | 555 |
| Net interest margin | 3.6268% | 3,347 |
| Noninterest income to average assets | 0.6053% | 3,064 |
| Noninterest expense to average assets | 2.9813% | 3,106 |
| Loan and lease loss provision to assets | 0.0910% | 3,291 |
| Net operating income to assets | 1.8834% | 413 |
| Return on assets (ROA) | 1.9073% | 404 |
| Pretax return on assets | 0.7158% | 4,480 |
| Return on Equity (ROE) | 18.4478% | 377 |
| Retained earnings to average equity (ytd only) | 18.4478% | 102 |
| Net charge-offs to loans | 0.7644% | 826 |
| Credit loss provision to net charge-offs | 15.8856% | 4,515 |
| Earnings coverage of net charge-offs (x) | 1.3670% | 4,606 |
| Efficiency ratio | 79.2012% | 2,283 |
| Assets per employee ($millions) | 4.7718% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8186% | 2,010 |
| Loan loss allowance to noncurrent loans | 61.3051% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 3.4030% | 879 |
| Noncurrent loans to loans | 2.9665% | 1,160 |
| Net loans and leases to total assets | 73.4903% | 1,438 |
| Net loans and leases to deposits | 102.4792% | 376 |
| Net loans and leases to core deposits | 106.3347% | 775 |
| Total domestic deposits to total assets | 71.7124% | 6,443 |
| Equity capital to assets | 10.4497% | 3,221 |
| Core capital (leverage) ratio | 10.2350% | 3,242 |
| Tier 1 risk-based capital ratio | 13.3184% | 4,773 |
| Total risk-based capital ratio | 14.5762% | 4,709 |
| Memoranda: | ||
| Average total assets | $439,633,200 | 1,506 |
| Average earning assets | $382,930,200 | 1,581 |
| Average equity | $45,452,600 | 1,541 |
| Average total loans | $329,404,800 | 1,294 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6400% | 1,772 |
| Cost of funding earning assets | 0.9670% | 585 |
| Net interest margin | 3.6730% | 3,141 |
| Noninterest income to average assets | 0.6408% | 2,924 |
| Noninterest expense to average assets | 2.9989% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.3660% | 200 |
| Return on assets (ROA) | 2.3979% | 203 |
| Pretax return on assets | 0.8746% | 3,990 |
| Return on Equity (ROE) | 23.2564% | 166 |
| Retained earnings to average equity (ytd only) | 23.2564% | 59 |
| Net charge-offs to loans | 0.6125% | 1,017 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.8358% | 4,220 |
| Efficiency ratio | 78.0644% | 2,409 |
| Assets per employee ($millions) | 4.7549% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0180% | 1,682 |
| Loan loss allowance to noncurrent loans | 72.2560% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 3.3412% | 1,046 |
| Noncurrent loans to loans | 2.7928% | 1,494 |
| Net loans and leases to total assets | 73.8008% | 1,316 |
| Net loans and leases to deposits | 102.3167% | 361 |
| Net loans and leases to core deposits | 105.5367% | 783 |
| Total domestic deposits to total assets | 72.1297% | 6,483 |
| Equity capital to assets | 11.1370% | 2,630 |
| Core capital (leverage) ratio | 10.6084% | 2,883 |
| Tier 1 risk-based capital ratio | 14.1227% | 4,341 |
| Total risk-based capital ratio | 15.3831% | 4,278 |
| Memoranda: | ||
| Average total assets | $438,596,250 | 1,522 |
| Average earning assets | $382,203,000 | 1,588 |
| Average equity | $45,222,250 | 1,562 |
| Average total loans | $328,711,750 | 1,298 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 1,762 |
| Cost of funding earning assets | 0.9742% | 624 |
| Net interest margin | 3.6520% | 3,169 |
| Noninterest income to average assets | 0.7007% | 2,634 |
| Noninterest expense to average assets | 3.0193% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 3.1528% | 104 |
| Return on assets (ROA) | 3.2006% | 105 |
| Pretax return on assets | 0.9180% | 3,839 |
| Return on Equity (ROE) | 31.8907% | 59 |
| Retained earnings to average equity (ytd only) | 31.8907% | 29 |
| Net charge-offs to loans | 0.4457% | 1,465 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.6093% | 3,651 |
| Efficiency ratio | 77.6268% | 2,522 |
| Assets per employee ($millions) | 4.8438% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2428% | 1,345 |
| Loan loss allowance to noncurrent loans | 79.3822% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 3.3508% | 1,170 |
| Noncurrent loans to loans | 2.8253% | 1,600 |
| Net loans and leases to total assets | 73.4422% | 1,334 |
| Net loans and leases to deposits | 98.9555% | 485 |
| Net loans and leases to core deposits | 104.7641% | 806 |
| Total domestic deposits to total assets | 74.2174% | 6,427 |
| Equity capital to assets | 10.8277% | 2,921 |
| Core capital (leverage) ratio | 10.5863% | 2,783 |
| Tier 1 risk-based capital ratio | 13.8991% | 4,489 |
| Total risk-based capital ratio | 15.1626% | 4,451 |
| Memoranda: | ||
| Average total assets | $438,977,670 | 1,514 |
| Average earning assets | $383,295,000 | 1,583 |
| Average equity | $44,056,670 | 1,602 |
| Average total loans | $328,451,670 | 1,295 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 1,679 |
| Cost of funding earning assets | 1.0216% | 545 |
| Net interest margin | 3.6268% | 3,154 |
| Noninterest income to average assets | 0.8373% | 1,973 |
| Noninterest expense to average assets | 2.8908% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0729% | 1,960 |
| Return on assets (ROA) | 1.0729% | 2,068 |
| Pretax return on assets | 1.1231% | 2,870 |
| Return on Equity (ROE) | 11.1318% | 1,668 |
| Retained earnings to average equity (ytd only) | 11.1318% | 847 |
| Net charge-offs to loans | 0.4304% | 1,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.4943% | 2,756 |
| Efficiency ratio | 72.0200% | 3,609 |
| Assets per employee ($millions) | 4.8333% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4025% | 1,249 |
| Loan loss allowance to noncurrent loans | 88.6353% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 3.5482% | 1,190 |
| Noncurrent loans to loans | 2.7106% | 1,888 |
| Net loans and leases to total assets | 72.1047% | 1,333 |
| Net loans and leases to deposits | 98.0655% | 438 |
| Net loans and leases to core deposits | 104.3955% | 701 |
| Total domestic deposits to total assets | 73.5271% | 6,564 |
| Equity capital to assets | 9.7273% | 4,522 |
| Core capital (leverage) ratio | 10.2473% | 3,080 |
| Tier 1 risk-based capital ratio | 13.6594% | 4,753 |
| Total risk-based capital ratio | 14.9245% | 4,709 |
| Memoranda: | ||
| Average total assets | $438,074,000 | 1,536 |
| Average earning assets | $383,701,000 | 1,598 |
| Average equity | $42,221,500 | 1,692 |
| Average total loans | $327,103,000 | 1,300 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 2,228 |
| Cost of funding earning assets | 1.2242% | 515 |
| Net interest margin | 3.5684% | 4,231 |
| Noninterest income to average assets | 0.9666% | 1,646 |
| Noninterest expense to average assets | 3.0428% | 3,122 |
| Loan and lease loss provision to assets | 0.2024% | 3,116 |
| Net operating income to assets | 0.8175% | 3,204 |
| Return on assets (ROA) | 0.9572% | 2,761 |
| Pretax return on assets | 0.9887% | 3,584 |
| Return on Equity (ROE) | 10.4858% | 1,976 |
| Retained earnings to average equity (ytd only) | 10.4858% | 507 |
| Net charge-offs to loans | 1.0505% | 1,021 |
| Credit loss provision to net charge-offs | 25.7838% | 5,190 |
| Earnings coverage of net charge-offs (x) | 1.3337% | 4,793 |
| Efficiency ratio | 74.3982% | 3,007 |
| Assets per employee ($millions) | 4.9024% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4780% | 1,152 |
| Loan loss allowance to noncurrent loans | 83.9922% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 4.4310% | 939 |
| Noncurrent loans to loans | 2.9503% | 1,771 |
| Net loans and leases to total assets | 73.5936% | 1,250 |
| Net loans and leases to deposits | 99.7344% | 423 |
| Net loans and leases to core deposits | 109.1591% | 564 |
| Total domestic deposits to total assets | 73.7895% | 6,552 |
| Equity capital to assets | 9.5479% | 4,818 |
| Core capital (leverage) ratio | 9.9351% | 3,492 |
| Tier 1 risk-based capital ratio | 13.1595% | 4,993 |
| Total risk-based capital ratio | 14.4256% | 4,920 |
| Memoranda: | ||
| Average total assets | $434,726,000 | 1,520 |
| Average earning assets | $380,505,000 | 1,574 |
| Average equity | $39,682,200 | 1,755 |
| Average total loans | $324,894,000 | 1,295 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 2,486 |
| Cost of funding earning assets | 1.2589% | 538 |
| Net interest margin | 3.5154% | 4,582 |
| Noninterest income to average assets | 0.9961% | 1,510 |
| Noninterest expense to average assets | 3.0557% | 3,037 |
| Loan and lease loss provision to assets | 0.2701% | 2,411 |
| Net operating income to assets | 0.7493% | 3,694 |
| Return on assets (ROA) | 0.9415% | 3,012 |
| Pretax return on assets | 0.9424% | 3,952 |
| Return on Equity (ROE) | 10.4349% | 2,160 |
| Retained earnings to average equity (ytd only) | 10.4349% | 802 |
| Net charge-offs to loans | 1.2950% | 729 |
| Credit loss provision to net charge-offs | 27.9809% | 4,832 |
| Earnings coverage of net charge-offs (x) | 1.0569% | 4,782 |
| Efficiency ratio | 74.9661% | 2,834 |
| Assets per employee ($millions) | 4.9410% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5870% | 1,098 |
| Loan loss allowance to noncurrent loans | 77.4612% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 4.4880% | 1,036 |
| Noncurrent loans to loans | 3.3397% | 1,647 |
| Net loans and leases to total assets | 72.1605% | 1,525 |
| Net loans and leases to deposits | 96.7118% | 613 |
| Net loans and leases to core deposits | 104.6159% | 834 |
| Total domestic deposits to total assets | 74.6140% | 6,550 |
| Equity capital to assets | 9.2813% | 5,490 |
| Core capital (leverage) ratio | 9.6555% | 4,040 |
| Tier 1 risk-based capital ratio | 12.7578% | 5,435 |
| Total risk-based capital ratio | 14.0247% | 5,381 |
| Memoranda: | ||
| Average total assets | $434,329,000 | 1,534 |
| Average earning assets | $380,522,000 | 1,587 |
| Average equity | $39,188,000 | 1,787 |
| Average total loans | $323,803,000 | 1,312 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7724% | 2,629 |
| Cost of funding earning assets | 1.2981% | 535 |
| Net interest margin | 3.4743% | 4,785 |
| Noninterest income to average assets | 1.1199% | 1,140 |
| Noninterest expense to average assets | 3.0967% | 2,935 |
| Loan and lease loss provision to assets | 0.1988% | 3,093 |
| Net operating income to assets | 0.8533% | 3,120 |
| Return on assets (ROA) | 0.9507% | 2,914 |
| Pretax return on assets | 0.9683% | 3,825 |
| Return on Equity (ROE) | 10.6402% | 2,115 |
| Retained earnings to average equity (ytd only) | 10.6402% | 820 |
| Net charge-offs to loans | 1.5417% | 631 |
| Credit loss provision to net charge-offs | 17.2621% | 4,652 |
| Earnings coverage of net charge-offs (x) | 0.9269% | 4,572 |
| Efficiency ratio | 74.3615% | 3,018 |
| Assets per employee ($millions) | 4.7992% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6568% | 1,090 |
| Loan loss allowance to noncurrent loans | 64.6081% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 5.3266% | 858 |
| Noncurrent loans to loans | 4.1121% | 1,333 |
| Net loans and leases to total assets | 72.4100% | 1,489 |
| Net loans and leases to deposits | 92.7218% | 868 |
| Net loans and leases to core deposits | 102.3192% | 959 |
| Total domestic deposits to total assets | 78.0938% | 6,144 |
| Equity capital to assets | 9.0623% | 5,632 |
| Core capital (leverage) ratio | 9.3711% | 4,340 |
| Tier 1 risk-based capital ratio | 12.3920% | 5,656 |
| Total risk-based capital ratio | 13.6597% | 5,617 |
| Memoranda: | ||
| Average total assets | $432,523,330 | 1,536 |
| Average earning assets | $379,012,670 | 1,591 |
| Average equity | $38,646,000 | 1,802 |
| Average total loans | $323,154,000 | 1,318 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7292% | 2,935 |
| Cost of funding earning assets | 1.3067% | 617 |
| Net interest margin | 3.4225% | 5,016 |
| Noninterest income to average assets | 1.4098% | 728 |
| Noninterest expense to average assets | 3.1355% | 2,803 |
| Loan and lease loss provision to assets | 0.0929% | 4,186 |
| Net operating income to assets | 1.1142% | 2,013 |
| Return on assets (ROA) | 1.3020% | 1,623 |
| Pretax return on assets | 1.3847% | 2,233 |
| Return on Equity (ROE) | 14.6778% | 1,046 |
| Retained earnings to average equity (ytd only) | 14.6778% | 486 |
| Net charge-offs to loans | 1.5054% | 666 |
| Credit loss provision to net charge-offs | 8.2440% | 3,926 |
| Earnings coverage of net charge-offs (x) | 1.1336% | 3,767 |
| Efficiency ratio | 71.0465% | 3,611 |
| Assets per employee ($millions) | 4.7857% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9578% | 868 |
| Loan loss allowance to noncurrent loans | 48.2423% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 6.1990% | 736 |
| Noncurrent loans to loans | 6.1310% | 812 |
| Net loans and leases to total assets | 72.1651% | 1,373 |
| Net loans and leases to deposits | 95.1384% | 589 |
| Net loans and leases to core deposits | 107.7364% | 618 |
| Total domestic deposits to total assets | 75.8527% | 6,560 |
| Equity capital to assets | 8.8975% | 5,639 |
| Core capital (leverage) ratio | 9.4100% | 4,186 |
| Tier 1 risk-based capital ratio | 12.3153% | 5,745 |
| Total risk-based capital ratio | 13.5868% | 5,692 |
| Memoranda: | ||
| Average total assets | $430,419,500 | 1,548 |
| Average earning assets | $377,737,000 | 1,603 |
| Average equity | $38,180,000 | 1,823 |
| Average total loans | $322,297,000 | 1,313 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 4,006 |
| Cost of funding earning assets | 1.6263% | 428 |
| Net interest margin | 3.1291% | 6,272 |
| Noninterest income to average assets | 0.6268% | 3,026 |
| Noninterest expense to average assets | 3.8171% | 1,311 |
| Loan and lease loss provision to assets | 2.2136% | 231 |
| Net operating income to assets | -3.4596% | 7,221 |
| Return on assets (ROA) | -3.3101% | 7,217 |
| Pretax return on assets | -2.5073% | 7,123 |
| Return on Equity (ROE) | -34.6414% | 7,127 |
| Retained earnings to average equity (ytd only) | -34.6414% | 7,121 |
| Net charge-offs to loans | 2.6876% | 405 |
| Credit loss provision to net charge-offs | 113.3311% | 2,901 |
| Earnings coverage of net charge-offs (x) | -0.2269% | 5,972 |
| Efficiency ratio | 113.1374% | 380 |
| Assets per employee ($millions) | 4.5249% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3336% | 602 |
| Loan loss allowance to noncurrent loans | 54.9012% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 6.7706% | 685 |
| Noncurrent loans to loans | 6.0720% | 810 |
| Net loans and leases to total assets | 72.8934% | 1,475 |
| Net loans and leases to deposits | 97.2769% | 608 |
| Net loans and leases to core deposits | 110.9016% | 591 |
| Total domestic deposits to total assets | 74.9339% | 6,613 |
| Equity capital to assets | 8.8427% | 5,740 |
| Core capital (leverage) ratio | 8.9068% | 4,925 |
| Tier 1 risk-based capital ratio | 11.9004% | 5,900 |
| Total risk-based capital ratio | 13.1780% | 5,856 |
| Memoranda: | ||
| Average total assets | $452,802,000 | 1,448 |
| Average earning assets | $397,527,400 | 1,496 |
| Average equity | $43,266,200 | 1,561 |
| Average total loans | $329,068,800 | 1,292 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8035% | 4,001 |
| Cost of funding earning assets | 1.6649% | 449 |
| Net interest margin | 3.1386% | 6,321 |
| Noninterest income to average assets | 0.6167% | 3,072 |
| Noninterest expense to average assets | 3.6359% | 1,639 |
| Loan and lease loss provision to assets | 1.9210% | 292 |
| Net operating income to assets | -3.1834% | 7,288 |
| Return on assets (ROA) | -2.9969% | 7,277 |
| Pretax return on assets | -1.9941% | 7,122 |
| Return on Equity (ROE) | -30.8318% | 7,198 |
| Retained earnings to average equity (ytd only) | -30.8318% | 7,191 |
| Net charge-offs to loans | 2.2648% | 535 |
| Credit loss provision to net charge-offs | 117.7422% | 2,772 |
| Earnings coverage of net charge-offs (x) | -0.1591% | 5,701 |
| Efficiency ratio | 107.6890% | 471 |
| Assets per employee ($millions) | 4.5424% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2218% | 704 |
| Loan loss allowance to noncurrent loans | 47.5353% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 6.5232% | 793 |
| Noncurrent loans to loans | 6.7777% | 751 |
| Net loans and leases to total assets | 71.6576% | 1,784 |
| Net loans and leases to deposits | 94.6700% | 782 |
| Net loans and leases to core deposits | 106.9784% | 810 |
| Total domestic deposits to total assets | 75.6919% | 6,563 |
| Equity capital to assets | 9.2030% | 5,510 |
| Core capital (leverage) ratio | 9.2771% | 4,489 |
| Tier 1 risk-based capital ratio | 12.5097% | 5,477 |
| Total risk-based capital ratio | 13.7842% | 5,448 |
| Memoranda: | ||
| Average total assets | $459,668,500 | 1,441 |
| Average earning assets | $404,167,750 | 1,489 |
| Average equity | $44,680,000 | 1,521 |
| Average total loans | $331,152,500 | 1,285 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 3,490 |
| Cost of funding earning assets | 1.6734% | 521 |
| Net interest margin | 3.2559% | 5,988 |
| Noninterest income to average assets | 0.6189% | 3,010 |
| Noninterest expense to average assets | 3.7492% | 1,447 |
| Loan and lease loss provision to assets | 1.5635% | 448 |
| Net operating income to assets | -3.4990% | 7,366 |
| Return on assets (ROA) | -3.2230% | 7,338 |
| Pretax return on assets | -1.5604% | 7,089 |
| Return on Equity (ROE) | -32.6120% | 7,268 |
| Retained earnings to average equity (ytd only) | -32.6120% | 7,260 |
| Net charge-offs to loans | 1.8330% | 750 |
| Credit loss provision to net charge-offs | 119.4426% | 2,560 |
| Earnings coverage of net charge-offs (x) | -0.2085% | 5,411 |
| Efficiency ratio | 107.8519% | 517 |
| Assets per employee ($millions) | 4.5707% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0564% | 847 |
| Loan loss allowance to noncurrent loans | 47.9935% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 6.5447% | 813 |
| Noncurrent loans to loans | 6.3683% | 892 |
| Net loans and leases to total assets | 70.1300% | 2,196 |
| Net loans and leases to deposits | 92.9224% | 956 |
| Net loans and leases to core deposits | 107.2857% | 848 |
| Total domestic deposits to total assets | 75.4716% | 6,678 |
| Equity capital to assets | 9.1082% | 5,424 |
| Core capital (leverage) ratio | 9.2242% | 4,362 |
| Tier 1 risk-based capital ratio | 12.8442% | 5,047 |
| Total risk-based capital ratio | 14.1159% | 5,001 |
| Memoranda: | ||
| Average total assets | $466,019,670 | 1,438 |
| Average earning assets | $408,980,330 | 1,485 |
| Average equity | $46,056,670 | 1,466 |
| Average total loans | $332,788,330 | 1,303 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8679% | 3,732 |
| Cost of funding earning assets | 1.6829% | 595 |
| Net interest margin | 3.1851% | 6,115 |
| Noninterest income to average assets | 0.4327% | 4,431 |
| Noninterest expense to average assets | 2.8523% | 4,259 |
| Loan and lease loss provision to assets | 0.9777% | 794 |
| Net operating income to assets | -0.3268% | 6,682 |
| Return on assets (ROA) | -0.4106% | 6,753 |
| Pretax return on assets | -0.7414% | 6,889 |
| Return on Equity (ROE) | -4.0025% | 6,738 |
| Retained earnings to average equity (ytd only) | -4.0025% | 6,412 |
| Net charge-offs to loans | 2.2153% | 548 |
| Credit loss provision to net charge-offs | 62.1958% | 3,509 |
| Earnings coverage of net charge-offs (x) | 0.2336% | 4,440 |
| Efficiency ratio | 88.5926% | 1,455 |
| Assets per employee ($millions) | 4.8844% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6641% | 1,243 |
| Loan loss allowance to noncurrent loans | 50.3600% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 5.7680% | 1,024 |
| Noncurrent loans to loans | 5.2901% | 1,250 |
| Net loans and leases to total assets | 68.6784% | 2,405 |
| Net loans and leases to deposits | 90.7092% | 1,154 |
| Net loans and leases to core deposits | 112.4307% | 645 |
| Total domestic deposits to total assets | 75.7127% | 6,712 |
| Equity capital to assets | 10.3229% | 3,386 |
| Core capital (leverage) ratio | 10.0921% | 3,049 |
| Tier 1 risk-based capital ratio | 13.5659% | 4,384 |
| Total risk-based capital ratio | 14.8522% | 4,325 |
| Memoranda: | ||
| Average total assets | $470,492,500 | 1,438 |
| Average earning assets | $411,672,500 | 1,486 |
| Average equity | $48,269,500 | 1,386 |
| Average total loans | $333,856,500 | 1,314 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 4,341 |
| Cost of funding earning assets | 2.0893% | 445 |
| Net interest margin | 2.9563% | 6,811 |
| Noninterest income to average assets | 0.5740% | 3,636 |
| Noninterest expense to average assets | 2.7035% | 4,976 |
| Loan and lease loss provision to assets | 0.7820% | 2,089 |
| Net operating income to assets | -0.2910% | 6,203 |
| Return on assets (ROA) | 0.1263% | 5,662 |
| Pretax return on assets | 0.1418% | 5,618 |
| Return on Equity (ROE) | 1.2808% | 5,626 |
| Retained earnings to average equity (ytd only) | 1.2808% | 4,908 |
| Net charge-offs to loans | 1.2608% | 1,781 |
| Credit loss provision to net charge-offs | 87.7829% | 5,217 |
| Earnings coverage of net charge-offs (x) | 0.5106% | 5,605 |
| Efficiency ratio | 85.5970% | 1,734 |
| Assets per employee ($millions) | 4.9693% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8240% | 1,024 |
| Loan loss allowance to noncurrent loans | 48.3974% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 6.0538% | 977 |
| Noncurrent loans to loans | 5.8350% | 1,089 |
| Net loans and leases to total assets | 69.3420% | 2,703 |
| Net loans and leases to deposits | 94.2272% | 1,042 |
| Net loans and leases to core deposits | 121.4857% | 486 |
| Total domestic deposits to total assets | 73.5901% | 6,937 |
| Equity capital to assets | 10.1963% | 3,511 |
| Core capital (leverage) ratio | 10.3962% | 2,673 |
| Tier 1 risk-based capital ratio | 13.8305% | 3,974 |
| Total risk-based capital ratio | 15.1245% | 3,928 |
| Memoranda: | ||
| Average total assets | $486,044,400 | 1,375 |
| Average earning assets | $424,884,800 | 1,425 |
| Average equity | $47,937,400 | 1,399 |
| Average total loans | $343,439,400 | 1,304 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0599% | 4,541 |
| Cost of funding earning assets | 2.1586% | 437 |
| Net interest margin | 2.9013% | 7,001 |
| Noninterest income to average assets | 0.6218% | 3,303 |
| Noninterest expense to average assets | 2.6313% | 5,192 |
| Loan and lease loss provision to assets | 0.5788% | 2,614 |
| Net operating income to assets | -0.0383% | 6,078 |
| Return on assets (ROA) | 0.4148% | 4,859 |
| Pretax return on assets | 0.5671% | 4,702 |
| Return on Equity (ROE) | 4.2404% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.2404% | 3,505 |
| Net charge-offs to loans | 0.9265% | 2,143 |
| Credit loss provision to net charge-offs | 88.6155% | 4,822 |
| Earnings coverage of net charge-offs (x) | 0.8040% | 5,246 |
| Efficiency ratio | 83.3635% | 1,907 |
| Assets per employee ($millions) | 4.5997% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8986% | 910 |
| Loan loss allowance to noncurrent loans | 43.3638% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 6.6176% | 850 |
| Noncurrent loans to loans | 6.6843% | 875 |
| Net loans and leases to total assets | 69.7527% | 2,797 |
| Net loans and leases to deposits | 94.8654% | 1,111 |
| Net loans and leases to core deposits | 125.1112% | 473 |
| Total domestic deposits to total assets | 73.5281% | 6,985 |
| Equity capital to assets | 10.7146% | 3,275 |
| Core capital (leverage) ratio | 10.3779% | 2,829 |
| Tier 1 risk-based capital ratio | 14.6185% | 3,450 |
| Total risk-based capital ratio | 15.8949% | 3,405 |
| Memoranda: | ||
| Average total assets | $489,534,250 | 1,389 |
| Average earning assets | $427,667,000 | 1,436 |
| Average equity | $47,888,000 | 1,409 |
| Average total loans | $345,082,750 | 1,315 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 4,650 |
| Cost of funding earning assets | 2.1764% | 503 |
| Net interest margin | 2.8861% | 7,024 |
| Noninterest income to average assets | 0.7016% | 2,693 |
| Noninterest expense to average assets | 2.5870% | 5,370 |
| Loan and lease loss provision to assets | 0.7253% | 2,008 |
| Net operating income to assets | -0.0680% | 6,185 |
| Return on assets (ROA) | 0.4082% | 4,880 |
| Pretax return on assets | 0.5601% | 4,699 |
| Return on Equity (ROE) | 4.3020% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.3020% | 3,341 |
| Net charge-offs to loans | 0.8977% | 2,036 |
| Credit loss provision to net charge-offs | 115.3107% | 3,522 |
| Earnings coverage of net charge-offs (x) | 1.0064% | 4,781 |
| Efficiency ratio | 80.3404% | 2,400 |
| Assets per employee ($millions) | 5.0069% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9970% | 823 |
| Loan loss allowance to noncurrent loans | 41.6066% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 6.4010% | 883 |
| Noncurrent loans to loans | 7.2032% | 767 |
| Net loans and leases to total assets | 67.8178% | 3,416 |
| Net loans and leases to deposits | 94.4681% | 1,215 |
| Net loans and leases to core deposits | 123.3232% | 590 |
| Total domestic deposits to total assets | 71.7891% | 7,196 |
| Equity capital to assets | 9.7303% | 4,368 |
| Core capital (leverage) ratio | 9.7749% | 3,439 |
| Tier 1 risk-based capital ratio | 14.6812% | 3,336 |
| Total risk-based capital ratio | 15.9544% | 3,295 |
| Memoranda: | ||
| Average total assets | $496,321,330 | 1,372 |
| Average earning assets | $433,103,670 | 1,436 |
| Average equity | $47,094,000 | 1,424 |
| Average total loans | $347,767,000 | 1,324 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 4,750 |
| Cost of funding earning assets | 2.2291% | 542 |
| Net interest margin | 2.8273% | 7,143 |
| Noninterest income to average assets | 0.8615% | 1,763 |
| Noninterest expense to average assets | 2.5476% | 5,558 |
| Loan and lease loss provision to assets | 0.8014% | 1,579 |
| Net operating income to assets | -0.0282% | 6,347 |
| Return on assets (ROA) | 0.4335% | 4,827 |
| Pretax return on assets | 0.6323% | 4,478 |
| Return on Equity (ROE) | 4.6270% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.6270% | 3,360 |
| Net charge-offs to loans | 0.8214% | 1,890 |
| Credit loss provision to net charge-offs | 139.0821% | 2,541 |
| Earnings coverage of net charge-offs (x) | 1.3268% | 3,952 |
| Efficiency ratio | 76.9175% | 3,070 |
| Assets per employee ($millions) | 5.0059% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9866% | 830 |
| Loan loss allowance to noncurrent loans | 41.0637% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 7.0502% | 762 |
| Noncurrent loans to loans | 7.2732% | 802 |
| Net loans and leases to total assets | 67.6606% | 3,472 |
| Net loans and leases to deposits | 93.2470% | 1,443 |
| Net loans and leases to core deposits | 125.9563% | 583 |
| Total domestic deposits to total assets | 72.5606% | 7,211 |
| Equity capital to assets | 9.5406% | 4,467 |
| Core capital (leverage) ratio | 9.6600% | 3,568 |
| Tier 1 risk-based capital ratio | 13.9509% | 3,694 |
| Total risk-based capital ratio | 15.2229% | 3,633 |
| Memoranda: | ||
| Average total assets | $499,146,000 | 1,392 |
| Average earning assets | $432,646,500 | 1,473 |
| Average equity | $46,769,000 | 1,442 |
| Average total loans | $350,128,500 | 1,351 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5351% | 3,956 |
| Cost of funding earning assets | 2.5047% | 1,019 |
| Net interest margin | 3.0305% | 6,561 |
| Noninterest income to average assets | 0.4133% | 5,096 |
| Noninterest expense to average assets | 2.9223% | 4,453 |
| Loan and lease loss provision to assets | 2.7327% | 683 |
| Net operating income to assets | -1.6350% | 6,925 |
| Return on assets (ROA) | -1.4631% | 6,842 |
| Pretax return on assets | -2.2999% | 7,064 |
| Return on Equity (ROE) | -15.1072% | 6,941 |
| Retained earnings to average equity (ytd only) | -17.8595% | 7,025 |
| Net charge-offs to loans | 2.9121% | 738 |
| Credit loss provision to net charge-offs | 124.3151% | 4,226 |
| Earnings coverage of net charge-offs (x) | 0.0747% | 6,089 |
| Efficiency ratio | 94.3769% | 1,389 |
| Assets per employee ($millions) | 5.1825% | 1,964 |
| Cash dividends to net income (ytd only)* | -18.2186% | 7,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8318% | 902 |
| Loan loss allowance to noncurrent loans | 54.0096% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 5.7049% | 1,012 |
| Noncurrent loans to loans | 5.2431% | 1,256 |
| Net loans and leases to total assets | 68.5442% | 3,580 |
| Net loans and leases to deposits | 93.3130% | 1,689 |
| Net loans and leases to core deposits | 109.8622% | 2,910 |
| Total domestic deposits to total assets | 73.4562% | 7,094 |
| Equity capital to assets | 9.2014% | 4,844 |
| Core capital (leverage) ratio | 9.7845% | 3,344 |
| Tier 1 risk-based capital ratio | 13.8393% | 3,606 |
| Total risk-based capital ratio | 15.1092% | 3,539 |
| Memoranda: | ||
| Average total assets | $506,451,400 | 1,359 |
| Average earning assets | $446,764,200 | 1,412 |
| Average equity | $49,049,400 | 1,369 |
| Average total loans | $382,298,600 | 1,259 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7228% | 3,225 |
| Cost of funding earning assets | 2.6057% | 1,018 |
| Net interest margin | 3.1171% | 6,264 |
| Noninterest income to average assets | 0.4825% | 4,646 |
| Noninterest expense to average assets | 2.7260% | 5,212 |
| Loan and lease loss provision to assets | 0.2891% | 4,664 |
| Net operating income to assets | 0.1751% | 5,235 |
| Return on assets (ROA) | 0.4402% | 4,336 |
| Pretax return on assets | 0.5697% | 4,300 |
| Return on Equity (ROE) | 4.4892% | 4,165 |
| Retained earnings to average equity (ytd only) | 0.8710% | 4,818 |
| Net charge-offs to loans | 0.7413% | 2,509 |
| Credit loss provision to net charge-offs | 50.8318% | 6,296 |
| Earnings coverage of net charge-offs (x) | 0.9048% | 5,153 |
| Efficiency ratio | 84.1226% | 2,280 |
| Assets per employee ($millions) | 4.7911% | 2,411 |
| Cash dividends to net income (ytd only)* | 80.5971% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 2,777 |
| Loan loss allowance to noncurrent loans | 27.9943% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 6.5581% | 761 |
| Noncurrent loans to loans | 5.9208% | 1,008 |
| Net loans and leases to total assets | 75.3979% | 2,131 |
| Net loans and leases to deposits | 108.1950% | 551 |
| Net loans and leases to core deposits | 121.9501% | 2,077 |
| Total domestic deposits to total assets | 69.6871% | 7,440 |
| Equity capital to assets | 10.0524% | 4,022 |
| Core capital (leverage) ratio | 10.4222% | 2,856 |
| Tier 1 risk-based capital ratio | 13.9649% | 3,567 |
| Total risk-based capital ratio | 15.2260% | 3,510 |
| Memoranda: | ||
| Average total assets | $507,388,000 | 1,377 |
| Average earning assets | $448,955,750 | 1,427 |
| Average equity | $49,747,750 | 1,375 |
| Average total loans | $389,219,000 | 1,251 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8241% | 2,939 |
| Cost of funding earning assets | 2.7738% | 849 |
| Net interest margin | 3.0503% | 6,401 |
| Noninterest income to average assets | 0.4238% | 5,087 |
| Noninterest expense to average assets | 2.7819% | 5,039 |
| Loan and lease loss provision to assets | 0.1172% | 5,962 |
| Net operating income to assets | 0.1772% | 5,337 |
| Return on assets (ROA) | 0.4469% | 4,408 |
| Pretax return on assets | 0.5715% | 4,402 |
| Return on Equity (ROE) | 4.5949% | 4,262 |
| Retained earnings to average equity (ytd only) | 4.5949% | 2,737 |
| Net charge-offs to loans | 0.7408% | 2,197 |
| Credit loss provision to net charge-offs | 20.6186% | 6,121 |
| Earnings coverage of net charge-offs (x) | 0.6034% | 5,107 |
| Efficiency ratio | 89.0250% | 1,905 |
| Assets per employee ($millions) | 4.7901% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 2,686 |
| Loan loss allowance to noncurrent loans | 37.7243% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 4.1857% | 1,380 |
| Noncurrent loans to loans | 4.2734% | 1,541 |
| Net loans and leases to total assets | 74.9907% | 2,436 |
| Net loans and leases to deposits | 104.6027% | 865 |
| Net loans and leases to core deposits | 119.5111% | 2,412 |
| Total domestic deposits to total assets | 71.6910% | 7,277 |
| Equity capital to assets | 9.8468% | 4,153 |
| Core capital (leverage) ratio | 10.3073% | 2,986 |
| Tier 1 risk-based capital ratio | 13.6840% | 3,699 |
| Total risk-based capital ratio | 14.9388% | 3,626 |
| Memoranda: | ||
| Average total assets | $512,023,000 | 1,378 |
| Average earning assets | $453,392,000 | 1,421 |
| Average equity | $49,794,670 | 1,385 |
| Average total loans | $392,843,000 | 1,264 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7965% | 3,325 |
| Cost of funding earning assets | 2.8374% | 899 |
| Net interest margin | 2.9591% | 6,589 |
| Noninterest income to average assets | 0.4081% | 5,149 |
| Noninterest expense to average assets | 2.6057% | 5,426 |
| Loan and lease loss provision to assets | 0.0774% | 5,987 |
| Net operating income to assets | 0.3283% | 5,173 |
| Return on assets (ROA) | 0.3283% | 5,356 |
| Pretax return on assets | 0.3810% | 5,453 |
| Return on Equity (ROE) | 3.3968% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.3968% | 3,994 |
| Net charge-offs to loans | 0.8179% | 1,585 |
| Credit loss provision to net charge-offs | 12.3001% | 5,173 |
| Earnings coverage of net charge-offs (x) | 0.7282% | 4,436 |
| Efficiency ratio | 85.0392% | 2,189 |
| Assets per employee ($millions) | 5.0297% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6920% | 2,173 |
| Loan loss allowance to noncurrent loans | 51.5010% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 3.0643% | 1,846 |
| Noncurrent loans to loans | 3.2853% | 1,948 |
| Net loans and leases to total assets | 74.9964% | 2,501 |
| Net loans and leases to deposits | 102.9029% | 1,102 |
| Net loans and leases to core deposits | 119.2119% | 2,486 |
| Total domestic deposits to total assets | 72.8807% | 7,071 |
| Equity capital to assets | 9.6796% | 4,413 |
| Core capital (leverage) ratio | 9.9256% | 3,491 |
| Tier 1 risk-based capital ratio | 13.4893% | 3,870 |
| Total risk-based capital ratio | 14.7456% | 3,789 |
| Memoranda: | ||
| Average total assets | $516,556,500 | 1,375 |
| Average earning assets | $463,662,000 | 1,405 |
| Average equity | $49,929,500 | 1,379 |
| Average total loans | $397,589,500 | 1,260 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7157% | 1,975 |
| Cost of funding earning assets | 3.3144% | 883 |
| Net interest margin | 3.4013% | 5,659 |
| Noninterest income to average assets | 0.4143% | 5,351 |
| Noninterest expense to average assets | 2.3580% | 6,542 |
| Loan and lease loss provision to assets | 0.7392% | 2,006 |
| Net operating income to assets | 0.3087% | 5,511 |
| Return on assets (ROA) | 0.0182% | 6,176 |
| Pretax return on assets | -0.0730% | 6,238 |
| Return on Equity (ROE) | 0.1842% | 6,172 |
| Retained earnings to average equity (ytd only) | -13.8646% | 7,391 |
| Net charge-offs to loans | 0.1103% | 5,174 |
| Credit loss provision to net charge-offs | 868.7356% | 508 |
| Earnings coverage of net charge-offs (x) | 13.1655% | 2,162 |
| Efficiency ratio | 67.7933% | 4,757 |
| Assets per employee ($millions) | 4.7280% | 2,284 |
| Cash dividends to net income (ytd only)* | 7,625.8065% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8165% | 1,590 |
| Loan loss allowance to noncurrent loans | 51.2686% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 3.1497% | 1,453 |
| Noncurrent loans to loans | 3.5431% | 1,429 |
| Net loans and leases to total assets | 76.2317% | 2,560 |
| Net loans and leases to deposits | 107.5754% | 1,002 |
| Net loans and leases to core deposits | 127.3306% | 2,053 |
| Total domestic deposits to total assets | 70.8635% | 7,176 |
| Equity capital to assets | 9.6523% | 4,479 |
| Core capital (leverage) ratio | 9.6819% | 3,787 |
| Tier 1 risk-based capital ratio | 13.1031% | 4,056 |
| Total risk-based capital ratio | 14.3611% | 3,961 |
| Memoranda: | ||
| Average total assets | $511,248,600 | 1,325 |
| Average earning assets | $460,531,000 | 1,354 |
| Average equity | $50,481,000 | 1,337 |
| Average total loans | $394,301,200 | 1,227 |