Home > The Palmetto Bank > Performance and Condition Ratios
The Palmetto Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8186% | 3,995 |
| Cost of funding earning assets | 0.0517% | 6,268 |
| Net interest margin | 3.7669% | 2,451 |
| Noninterest income to average assets | 1.2950% | 727 |
| Noninterest expense to average assets | 3.2340% | 1,881 |
| Loan and lease loss provision to assets | -0.0954% | 6,078 |
| Net operating income to assets | 1.0704% | 2,054 |
| Return on assets (ROA) | 1.0765% | 2,133 |
| Pretax return on assets | 1.6295% | 1,252 |
| Return on Equity (ROE) | 9.1953% | 2,436 |
| Retained earnings to average equity (ytd only) | 4.1560% | 3,386 |
| Net charge-offs to loans | -0.1018% | 5,799 |
| Credit loss provision to net charge-offs | 131.2649% | 1,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9574% | 3,674 |
| Assets per employee ($millions) | 4.0592% | 3,767 |
| Cash dividends to net income (ytd only)* | 54.8034% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 2,091 |
| Loan loss allowance to noncurrent loans | 96.4043% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.6215% | 1,483 |
| Noncurrent loans to loans | 1.6038% | 1,636 |
| Net loans and leases to total assets | 69.9050% | 2,325 |
| Net loans and leases to deposits | 83.2680% | 2,405 |
| Net loans and leases to core deposits | 84.6420% | 2,917 |
| Total domestic deposits to total assets | 83.9518% | 3,586 |
| Equity capital to assets | 11.7135% | 2,235 |
| Core capital (leverage) ratio | 11.7157% | 1,829 |
| Tier 1 risk-based capital ratio | 14.5100% | 3,632 |
| Total risk-based capital ratio | 15.7692% | 3,554 |
| Memoranda: | ||
| Average total assets | $1,152,622,000 | 615 |
| Average earning assets | $1,059,926,330 | 610 |
| Average equity | $134,938,000 | 560 |
| Average total loans | $822,999,330 | 570 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7928% | 4,038 |
| Cost of funding earning assets | 0.0513% | 6,344 |
| Net interest margin | 3.7415% | 2,460 |
| Noninterest income to average assets | 1.3880% | 605 |
| Noninterest expense to average assets | 3.2058% | 1,969 |
| Loan and lease loss provision to assets | 0.1396% | 1,475 |
| Net operating income to assets | 0.9345% | 2,585 |
| Return on assets (ROA) | 0.9410% | 2,687 |
| Pretax return on assets | 1.4898% | 1,599 |
| Return on Equity (ROE) | 8.0402% | 2,938 |
| Retained earnings to average equity (ytd only) | 4.7609% | 3,187 |
| Net charge-offs to loans | 0.1978% | 1,145 |
| Credit loss provision to net charge-offs | 98.5222% | 1,680 |
| Earnings coverage of net charge-offs (x) | 11.4310% | 1,863 |
| Efficiency ratio | 66.4401% | 4,072 |
| Assets per employee ($millions) | 4.0478% | 3,864 |
| Cash dividends to net income (ytd only)* | 40.7861% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 2,251 |
| Loan loss allowance to noncurrent loans | 121.8877% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.4213% | 1,864 |
| Noncurrent loans to loans | 1.2679% | 2,253 |
| Net loans and leases to total assets | 70.0868% | 2,130 |
| Net loans and leases to deposits | 84.9096% | 1,964 |
| Net loans and leases to core deposits | 86.3033% | 2,513 |
| Total domestic deposits to total assets | 82.5428% | 4,330 |
| Equity capital to assets | 11.5528% | 2,418 |
| Core capital (leverage) ratio | 11.8443% | 1,744 |
| Tier 1 risk-based capital ratio | 14.3580% | 3,795 |
| Total risk-based capital ratio | 15.6181% | 3,713 |
| Memoranda: | ||
| Average total assets | $1,146,431,000 | 615 |
| Average earning assets | $1,053,153,500 | 607 |
| Average equity | $134,175,500 | 563 |
| Average total loans | $820,906,500 | 565 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 3,888 |
| Cost of funding earning assets | 0.0527% | 6,433 |
| Net interest margin | 3.9044% | 2,222 |
| Noninterest income to average assets | 1.2045% | 826 |
| Noninterest expense to average assets | 3.6090% | 1,289 |
| Loan and lease loss provision to assets | -0.2091% | 6,299 |
| Net operating income to assets | 0.8881% | 2,933 |
| Return on assets (ROA) | 0.8955% | 2,985 |
| Pretax return on assets | 1.3735% | 1,987 |
| Return on Equity (ROE) | 7.6525% | 3,297 |
| Retained earnings to average equity (ytd only) | 6.3781% | 1,720 |
| Net charge-offs to loans | 0.1635% | 2,400 |
| Credit loss provision to net charge-offs | -181.8182% | 5,611 |
| Earnings coverage of net charge-offs (x) | 10.0229% | 2,666 |
| Efficiency ratio | 75.7882% | 2,547 |
| Assets per employee ($millions) | 3.9126% | 4,132 |
| Cash dividends to net income (ytd only)* | 16.6531% | 3,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 2,081 |
| Loan loss allowance to noncurrent loans | 101.7243% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.6964% | 1,575 |
| Noncurrent loans to loans | 1.5754% | 1,855 |
| Net loans and leases to total assets | 70.8897% | 2,094 |
| Net loans and leases to deposits | 85.4070% | 2,050 |
| Net loans and leases to core deposits | 87.0614% | 2,603 |
| Total domestic deposits to total assets | 83.0022% | 4,076 |
| Equity capital to assets | 11.8621% | 2,119 |
| Core capital (leverage) ratio | 12.1343% | 1,543 |
| Tier 1 risk-based capital ratio | 14.9865% | 3,493 |
| Total risk-based capital ratio | 16.2398% | 3,428 |
| Memoranda: | ||
| Average total assets | $1,099,690,200 | 613 |
| Average earning assets | $1,001,978,800 | 605 |
| Average equity | $128,690,800 | 563 |
| Average total loans | $773,781,800 | 567 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9964% | 3,772 |
| Cost of funding earning assets | 0.0541% | 6,514 |
| Net interest margin | 3.9424% | 2,068 |
| Noninterest income to average assets | 1.1647% | 887 |
| Noninterest expense to average assets | 3.6325% | 1,235 |
| Loan and lease loss provision to assets | -0.0609% | 6,214 |
| Net operating income to assets | 0.7796% | 3,514 |
| Return on assets (ROA) | 0.7864% | 3,593 |
| Pretax return on assets | 1.1914% | 2,815 |
| Return on Equity (ROE) | 6.7438% | 3,829 |
| Retained earnings to average equity (ytd only) | 5.6996% | 2,605 |
| Net charge-offs to loans | 0.1078% | 2,725 |
| Credit loss provision to net charge-offs | -80.7754% | 5,419 |
| Earnings coverage of net charge-offs (x) | 14.8595% | 2,104 |
| Efficiency ratio | 76.4317% | 2,424 |
| Assets per employee ($millions) | 3.7983% | 4,296 |
| Cash dividends to net income (ytd only)* | 15.4847% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9771% | 1,298 |
| Loan loss allowance to noncurrent loans | 103.4469% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.9843% | 1,452 |
| Noncurrent loans to loans | 1.9112% | 1,676 |
| Net loans and leases to total assets | 69.4030% | 2,286 |
| Net loans and leases to deposits | 81.2292% | 2,519 |
| Net loans and leases to core deposits | 82.8393% | 3,021 |
| Total domestic deposits to total assets | 85.4410% | 3,136 |
| Equity capital to assets | 11.9300% | 2,121 |
| Core capital (leverage) ratio | 11.9916% | 1,703 |
| Tier 1 risk-based capital ratio | 15.3875% | 3,382 |
| Total risk-based capital ratio | 16.6448% | 3,312 |
| Memoranda: | ||
| Average total assets | $1,094,860,000 | 614 |
| Average earning assets | $996,435,500 | 605 |
| Average equity | $127,679,000 | 564 |
| Average total loans | $765,681,250 | 566 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0272% | 3,627 |
| Cost of funding earning assets | 0.0558% | 6,577 |
| Net interest margin | 3.9714% | 1,899 |
| Noninterest income to average assets | 1.2166% | 790 |
| Noninterest expense to average assets | 3.6555% | 1,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7422% | 3,614 |
| Return on assets (ROA) | 0.7520% | 3,657 |
| Pretax return on assets | 1.1816% | 2,755 |
| Return on Equity (ROE) | 6.4983% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.4983% | 2,037 |
| Net charge-offs to loans | 0.2334% | 1,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.1755% | 2,670 |
| Efficiency ratio | 75.8124% | 2,669 |
| Assets per employee ($millions) | 3.6512% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0577% | 1,263 |
| Loan loss allowance to noncurrent loans | 97.4750% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 2.1889% | 1,393 |
| Noncurrent loans to loans | 2.1110% | 1,575 |
| Net loans and leases to total assets | 67.9964% | 2,416 |
| Net loans and leases to deposits | 79.8828% | 2,528 |
| Net loans and leases to core deposits | 81.4582% | 3,038 |
| Total domestic deposits to total assets | 85.1202% | 3,445 |
| Equity capital to assets | 11.8962% | 2,066 |
| Core capital (leverage) ratio | 11.6884% | 1,859 |
| Tier 1 risk-based capital ratio | 15.2839% | 3,479 |
| Total risk-based capital ratio | 16.5419% | 3,424 |
| Memoranda: | ||
| Average total assets | $1,093,907,670 | 616 |
| Average earning assets | $993,046,000 | 606 |
| Average equity | $126,586,000 | 566 |
| Average total loans | $761,836,670 | 569 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0588% | 3,439 |
| Cost of funding earning assets | 0.0584% | 6,651 |
| Net interest margin | 4.0004% | 1,759 |
| Noninterest income to average assets | 1.2413% | 715 |
| Noninterest expense to average assets | 3.7209% | 1,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7275% | 3,556 |
| Return on assets (ROA) | 0.7474% | 3,517 |
| Pretax return on assets | 1.1792% | 2,573 |
| Return on Equity (ROE) | 6.5502% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.5502% | 2,252 |
| Net charge-offs to loans | 0.1267% | 1,957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.9876% | 1,689 |
| Efficiency ratio | 76.4198% | 2,736 |
| Assets per employee ($millions) | 3.6052% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1419% | 1,246 |
| Loan loss allowance to noncurrent loans | 115.7321% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 2.0088% | 1,700 |
| Noncurrent loans to loans | 1.8507% | 2,065 |
| Net loans and leases to total assets | 67.4904% | 2,302 |
| Net loans and leases to deposits | 79.8751% | 2,307 |
| Net loans and leases to core deposits | 81.4944% | 2,792 |
| Total domestic deposits to total assets | 84.4949% | 4,087 |
| Equity capital to assets | 11.5062% | 2,242 |
| Core capital (leverage) ratio | 11.3682% | 2,082 |
| Tier 1 risk-based capital ratio | 14.8097% | 3,806 |
| Total risk-based capital ratio | 16.0688% | 3,760 |
| Memoranda: | ||
| Average total assets | $1,095,004,000 | 620 |
| Average earning assets | $993,012,000 | 613 |
| Average equity | $124,942,500 | 575 |
| Average total loans | $763,793,500 | 572 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 3,484 |
| Cost of funding earning assets | 0.2231% | 6,154 |
| Net interest margin | 3.9405% | 2,137 |
| Noninterest income to average assets | 1.1840% | 1,012 |
| Noninterest expense to average assets | 3.6874% | 1,302 |
| Loan and lease loss provision to assets | 0.3138% | 1,060 |
| Net operating income to assets | 2.4629% | 179 |
| Return on assets (ROA) | 2.4910% | 172 |
| Pretax return on assets | 0.8564% | 3,933 |
| Return on Equity (ROE) | 25.4230% | 114 |
| Retained earnings to average equity (ytd only) | 25.4230% | 44 |
| Net charge-offs to loans | 0.6396% | 1,014 |
| Credit loss provision to net charge-offs | 72.1124% | 3,244 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 4,121 |
| Efficiency ratio | 76.3509% | 2,722 |
| Assets per employee ($millions) | 3.6107% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1430% | 1,262 |
| Loan loss allowance to noncurrent loans | 109.1144% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 2.1251% | 1,680 |
| Noncurrent loans to loans | 1.9640% | 2,028 |
| Net loans and leases to total assets | 69.0323% | 2,165 |
| Net loans and leases to deposits | 82.9144% | 2,077 |
| Net loans and leases to core deposits | 84.9917% | 2,564 |
| Total domestic deposits to total assets | 83.2574% | 4,451 |
| Equity capital to assets | 11.3135% | 2,325 |
| Core capital (leverage) ratio | 11.0262% | 2,364 |
| Tier 1 risk-based capital ratio | 14.2250% | 4,134 |
| Total risk-based capital ratio | 15.4842% | 4,070 |
| Memoranda: | ||
| Average total assets | $1,104,332,400 | 596 |
| Average earning assets | $1,021,682,000 | 584 |
| Average equity | $108,205,000 | 653 |
| Average total loans | $751,194,200 | 561 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 3,552 |
| Cost of funding earning assets | 0.2440% | 6,129 |
| Net interest margin | 3.9108% | 2,233 |
| Noninterest income to average assets | 1.1423% | 1,124 |
| Noninterest expense to average assets | 3.6707% | 1,286 |
| Loan and lease loss provision to assets | 0.2004% | 1,811 |
| Net operating income to assets | 3.0616% | 100 |
| Return on assets (ROA) | 3.0961% | 99 |
| Pretax return on assets | 0.9439% | 3,712 |
| Return on Equity (ROE) | 32.8489% | 53 |
| Retained earnings to average equity (ytd only) | 32.8489% | 25 |
| Net charge-offs to loans | 0.4971% | 1,292 |
| Credit loss provision to net charge-offs | 59.8060% | 3,307 |
| Earnings coverage of net charge-offs (x) | 3.3121% | 3,743 |
| Efficiency ratio | 76.7850% | 2,598 |
| Assets per employee ($millions) | 3.6307% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2020% | 1,322 |
| Loan loss allowance to noncurrent loans | 101.5069% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 2.2679% | 1,746 |
| Noncurrent loans to loans | 2.1693% | 2,040 |
| Net loans and leases to total assets | 67.4463% | 2,382 |
| Net loans and leases to deposits | 78.4396% | 2,595 |
| Net loans and leases to core deposits | 81.9314% | 2,881 |
| Total domestic deposits to total assets | 85.9850% | 3,257 |
| Equity capital to assets | 10.9567% | 2,801 |
| Core capital (leverage) ratio | 10.9346% | 2,546 |
| Tier 1 risk-based capital ratio | 14.2439% | 4,256 |
| Total risk-based capital ratio | 15.5040% | 4,195 |
| Memoranda: | ||
| Average total assets | $1,107,807,750 | 597 |
| Average earning assets | $1,030,590,500 | 577 |
| Average equity | $104,414,750 | 683 |
| Average total loans | $746,684,000 | 564 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 3,502 |
| Cost of funding earning assets | 0.2711% | 6,044 |
| Net interest margin | 3.8891% | 2,246 |
| Noninterest income to average assets | 1.0746% | 1,328 |
| Noninterest expense to average assets | 3.6894% | 1,263 |
| Loan and lease loss provision to assets | 0.1837% | 2,064 |
| Net operating income to assets | 0.6363% | 4,124 |
| Return on assets (ROA) | 0.6816% | 4,063 |
| Pretax return on assets | 0.8968% | 3,923 |
| Return on Equity (ROE) | 7.6412% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.6412% | 1,615 |
| Net charge-offs to loans | 0.4381% | 1,483 |
| Credit loss provision to net charge-offs | 62.6921% | 2,968 |
| Earnings coverage of net charge-offs (x) | 3.4837% | 3,378 |
| Efficiency ratio | 78.3259% | 2,405 |
| Assets per employee ($millions) | 3.4683% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3133% | 1,237 |
| Loan loss allowance to noncurrent loans | 102.7818% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 2.3592% | 1,820 |
| Noncurrent loans to loans | 2.2507% | 2,117 |
| Net loans and leases to total assets | 66.9763% | 2,415 |
| Net loans and leases to deposits | 75.7456% | 2,915 |
| Net loans and leases to core deposits | 79.0618% | 3,159 |
| Total domestic deposits to total assets | 88.4227% | 1,968 |
| Equity capital to assets | 9.1307% | 5,063 |
| Core capital (leverage) ratio | 10.0622% | 3,430 |
| Tier 1 risk-based capital ratio | 13.6665% | 4,661 |
| Total risk-based capital ratio | 14.9281% | 4,616 |
| Memoranda: | ||
| Average total assets | $1,110,379,000 | 598 |
| Average earning assets | $1,038,038,000 | 574 |
| Average equity | $99,041,670 | 723 |
| Average total loans | $742,685,670 | 563 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 3,567 |
| Cost of funding earning assets | 0.3432% | 5,614 |
| Net interest margin | 3.7948% | 2,468 |
| Noninterest income to average assets | 1.2993% | 911 |
| Noninterest expense to average assets | 3.6495% | 1,337 |
| Loan and lease loss provision to assets | 0.1247% | 2,674 |
| Net operating income to assets | 0.7845% | 3,249 |
| Return on assets (ROA) | 0.7845% | 3,380 |
| Pretax return on assets | 1.0741% | 3,049 |
| Return on Equity (ROE) | 8.8967% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.8967% | 1,413 |
| Net charge-offs to loans | 0.3801% | 1,501 |
| Credit loss provision to net charge-offs | 49.6454% | 2,607 |
| Earnings coverage of net charge-offs (x) | 4.7730% | 2,476 |
| Efficiency ratio | 75.2737% | 3,044 |
| Assets per employee ($millions) | 3.3939% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3653% | 1,307 |
| Loan loss allowance to noncurrent loans | 102.1279% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 2.6123% | 1,747 |
| Noncurrent loans to loans | 2.3160% | 2,258 |
| Net loans and leases to total assets | 65.5787% | 2,447 |
| Net loans and leases to deposits | 74.0932% | 2,908 |
| Net loans and leases to core deposits | 77.4566% | 3,137 |
| Total domestic deposits to total assets | 88.5084% | 2,001 |
| Equity capital to assets | 9.0694% | 5,406 |
| Core capital (leverage) ratio | 9.6211% | 3,883 |
| Tier 1 risk-based capital ratio | 13.4694% | 4,894 |
| Total risk-based capital ratio | 14.7320% | 4,844 |
| Memoranda: | ||
| Average total assets | $1,122,786,500 | 598 |
| Average earning assets | $1,050,061,500 | 572 |
| Average equity | $99,002,500 | 736 |
| Average total loans | $741,884,000 | 568 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 4,767 |
| Cost of funding earning assets | 0.4727% | 5,401 |
| Net interest margin | 3.6780% | 3,752 |
| Noninterest income to average assets | 0.4449% | 4,284 |
| Noninterest expense to average assets | 3.5587% | 1,702 |
| Loan and lease loss provision to assets | 1.1106% | 339 |
| Net operating income to assets | -0.7181% | 6,657 |
| Return on assets (ROA) | -0.1476% | 6,420 |
| Pretax return on assets | 0.0835% | 6,182 |
| Return on Equity (ROE) | -1.7890% | 6,443 |
| Retained earnings to average equity (ytd only) | -1.7890% | 6,133 |
| Net charge-offs to loans | 2.7409% | 203 |
| Credit loss provision to net charge-offs | 62.7219% | 4,376 |
| Earnings coverage of net charge-offs (x) | 0.1710% | 5,399 |
| Efficiency ratio | 92.1601% | 905 |
| Assets per employee ($millions) | 3.5368% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3921% | 1,244 |
| Loan loss allowance to noncurrent loans | 112.4748% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 2.3842% | 2,055 |
| Noncurrent loans to loans | 2.1268% | 2,553 |
| Net loans and leases to total assets | 63.4717% | 2,983 |
| Net loans and leases to deposits | 71.0365% | 3,557 |
| Net loans and leases to core deposits | 75.8760% | 3,550 |
| Total domestic deposits to total assets | 89.3508% | 1,332 |
| Equity capital to assets | 8.5759% | 5,983 |
| Core capital (leverage) ratio | 9.1756% | 4,620 |
| Tier 1 risk-based capital ratio | 13.1464% | 5,005 |
| Total risk-based capital ratio | 14.4090% | 4,939 |
| Memoranda: | ||
| Average total assets | $1,177,281,600 | 559 |
| Average earning assets | $1,093,582,400 | 540 |
| Average equity | $97,151,600 | 728 |
| Average total loans | $760,566,200 | 541 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1873% | 4,859 |
| Cost of funding earning assets | 0.4803% | 5,566 |
| Net interest margin | 3.7070% | 3,767 |
| Noninterest income to average assets | 0.2222% | 5,963 |
| Noninterest expense to average assets | 3.5484% | 1,655 |
| Loan and lease loss provision to assets | 1.3219% | 262 |
| Net operating income to assets | -1.6138% | 6,988 |
| Return on assets (ROA) | -0.5046% | 6,732 |
| Pretax return on assets | -0.1005% | 6,480 |
| Return on Equity (ROE) | -6.1730% | 6,760 |
| Retained earnings to average equity (ytd only) | -6.1730% | 6,679 |
| Net charge-offs to loans | 3.3154% | 149 |
| Credit loss provision to net charge-offs | 61.8161% | 4,110 |
| Earnings coverage of net charge-offs (x) | 0.0525% | 5,310 |
| Efficiency ratio | 96.9328% | 642 |
| Assets per employee ($millions) | 3.4972% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4621% | 1,252 |
| Loan loss allowance to noncurrent loans | 92.2481% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 2.8112% | 1,872 |
| Noncurrent loans to loans | 2.6690% | 2,123 |
| Net loans and leases to total assets | 63.7221% | 3,073 |
| Net loans and leases to deposits | 71.4134% | 3,687 |
| Net loans and leases to core deposits | 76.1758% | 3,702 |
| Total domestic deposits to total assets | 89.2298% | 1,295 |
| Equity capital to assets | 8.2227% | 6,476 |
| Core capital (leverage) ratio | 8.9382% | 5,143 |
| Tier 1 risk-based capital ratio | 12.5683% | 5,589 |
| Total risk-based capital ratio | 13.8315% | 5,540 |
| Memoranda: | ||
| Average total assets | $1,185,117,250 | 559 |
| Average earning assets | $1,099,273,250 | 541 |
| Average equity | $96,870,750 | 737 |
| Average total loans | $764,414,750 | 529 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 4,881 |
| Cost of funding earning assets | 0.4919% | 5,673 |
| Net interest margin | 3.7285% | 3,691 |
| Noninterest income to average assets | -0.3461% | 7,166 |
| Noninterest expense to average assets | 3.5003% | 1,786 |
| Loan and lease loss provision to assets | 1.8581% | 168 |
| Net operating income to assets | -2.9239% | 7,153 |
| Return on assets (ROA) | -1.2809% | 6,994 |
| Pretax return on assets | -0.6096% | 6,780 |
| Return on Equity (ROE) | -15.6998% | 6,987 |
| Retained earnings to average equity (ytd only) | -15.6998% | 6,954 |
| Net charge-offs to loans | 4.7910% | 77 |
| Credit loss provision to net charge-offs | 60.3747% | 3,786 |
| Earnings coverage of net charge-offs (x) | -0.1282% | 5,137 |
| Efficiency ratio | 112.7005% | 299 |
| Assets per employee ($millions) | 3.6243% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4626% | 1,333 |
| Loan loss allowance to noncurrent loans | 75.6039% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 3.3365% | 1,616 |
| Noncurrent loans to loans | 3.2573% | 1,788 |
| Net loans and leases to total assets | 61.2720% | 3,579 |
| Net loans and leases to deposits | 68.0446% | 4,188 |
| Net loans and leases to core deposits | 72.5161% | 4,242 |
| Total domestic deposits to total assets | 90.0468% | 896 |
| Equity capital to assets | 7.5827% | 6,765 |
| Core capital (leverage) ratio | 8.1420% | 6,109 |
| Tier 1 risk-based capital ratio | 12.2310% | 5,763 |
| Total risk-based capital ratio | 13.4939% | 5,742 |
| Memoranda: | ||
| Average total assets | $1,200,128,000 | 550 |
| Average earning assets | $1,111,106,670 | 541 |
| Average equity | $97,912,330 | 729 |
| Average total loans | $770,945,000 | 522 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 4,709 |
| Cost of funding earning assets | 0.4992% | 5,826 |
| Net interest margin | 3.8069% | 3,364 |
| Noninterest income to average assets | 0.8933% | 1,773 |
| Noninterest expense to average assets | 3.5313% | 1,693 |
| Loan and lease loss provision to assets | 0.8930% | 499 |
| Net operating income to assets | -0.1859% | 6,621 |
| Return on assets (ROA) | -0.1859% | 6,676 |
| Pretax return on assets | -0.0149% | 6,547 |
| Return on Equity (ROE) | -2.2023% | 6,703 |
| Retained earnings to average equity (ytd only) | -2.2023% | 6,308 |
| Net charge-offs to loans | 2.4999% | 330 |
| Credit loss provision to net charge-offs | 55.0122% | 3,199 |
| Earnings coverage of net charge-offs (x) | 0.5410% | 4,064 |
| Efficiency ratio | 80.0855% | 2,191 |
| Assets per employee ($millions) | 3.5822% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0014% | 828 |
| Loan loss allowance to noncurrent loans | 51.3525% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 5.9955% | 786 |
| Noncurrent loans to loans | 5.8447% | 874 |
| Net loans and leases to total assets | 62.2414% | 3,211 |
| Net loans and leases to deposits | 70.2470% | 3,702 |
| Net loans and leases to core deposits | 74.4483% | 3,841 |
| Total domestic deposits to total assets | 88.6036% | 1,952 |
| Equity capital to assets | 8.3619% | 6,210 |
| Core capital (leverage) ratio | 8.6795% | 5,337 |
| Tier 1 risk-based capital ratio | 12.2082% | 5,818 |
| Total risk-based capital ratio | 13.4768% | 5,780 |
| Memoranda: | ||
| Average total assets | $1,209,430,000 | 548 |
| Average earning assets | $1,117,014,000 | 540 |
| Average equity | $102,073,000 | 696 |
| Average total loans | $785,307,000 | 513 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 5,663 |
| Cost of funding earning assets | 0.7876% | 4,955 |
| Net interest margin | 3.5421% | 4,975 |
| Noninterest income to average assets | 0.1532% | 6,387 |
| Noninterest expense to average assets | 3.8836% | 1,205 |
| Loan and lease loss provision to assets | 1.5973% | 442 |
| Net operating income to assets | -1.8150% | 6,993 |
| Return on assets (ROA) | -1.8041% | 7,008 |
| Pretax return on assets | -2.0126% | 7,027 |
| Return on Equity (ROE) | -21.3972% | 7,002 |
| Retained earnings to average equity (ytd only) | -21.3972% | 6,988 |
| Net charge-offs to loans | 2.6506% | 418 |
| Credit loss provision to net charge-offs | 93.8731% | 3,838 |
| Earnings coverage of net charge-offs (x) | -0.2512% | 5,985 |
| Efficiency ratio | 112.3676% | 393 |
| Assets per employee ($millions) | 3.3929% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2343% | 660 |
| Loan loss allowance to noncurrent loans | 48.2688% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 6.7458% | 693 |
| Noncurrent loans to loans | 6.7007% | 684 |
| Net loans and leases to total assets | 63.5778% | 3,270 |
| Net loans and leases to deposits | 71.7765% | 3,829 |
| Net loans and leases to core deposits | 75.8999% | 3,992 |
| Total domestic deposits to total assets | 88.5775% | 1,801 |
| Equity capital to assets | 8.5183% | 6,125 |
| Core capital (leverage) ratio | 8.5220% | 5,524 |
| Tier 1 risk-based capital ratio | 12.1206% | 5,748 |
| Total risk-based capital ratio | 13.3922% | 5,710 |
| Memoranda: | ||
| Average total assets | $1,283,436,200 | 510 |
| Average earning assets | $1,196,818,600 | 498 |
| Average equity | $108,210,200 | 639 |
| Average total loans | $823,899,800 | 503 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 5,630 |
| Cost of funding earning assets | 0.8275% | 4,964 |
| Net interest margin | 3.5643% | 4,921 |
| Noninterest income to average assets | 0.0650% | 6,897 |
| Noninterest expense to average assets | 3.9057% | 1,144 |
| Loan and lease loss provision to assets | 1.8928% | 304 |
| Net operating income to assets | -2.1457% | 7,159 |
| Return on assets (ROA) | -2.1406% | 7,167 |
| Pretax return on assets | -2.3970% | 7,185 |
| Return on Equity (ROE) | -25.4491% | 7,170 |
| Retained earnings to average equity (ytd only) | -25.4491% | 7,160 |
| Net charge-offs to loans | 2.9700% | 318 |
| Credit loss provision to net charge-offs | 99.8166% | 3,427 |
| Earnings coverage of net charge-offs (x) | -0.2689% | 5,751 |
| Efficiency ratio | 115.0166% | 359 |
| Assets per employee ($millions) | 3.4916% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2898% | 666 |
| Loan loss allowance to noncurrent loans | 35.8461% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 7.1791% | 676 |
| Noncurrent loans to loans | 9.1774% | 414 |
| Net loans and leases to total assets | 63.2635% | 3,464 |
| Net loans and leases to deposits | 71.1821% | 4,107 |
| Net loans and leases to core deposits | 75.4054% | 4,264 |
| Total domestic deposits to total assets | 88.8756% | 1,500 |
| Equity capital to assets | 8.3551% | 6,437 |
| Core capital (leverage) ratio | 8.4080% | 5,839 |
| Tier 1 risk-based capital ratio | 12.1503% | 5,779 |
| Total risk-based capital ratio | 13.4230% | 5,750 |
| Memoranda: | ||
| Average total assets | $1,303,173,000 | 506 |
| Average earning assets | $1,217,781,500 | 492 |
| Average equity | $109,612,250 | 635 |
| Average total loans | $832,028,750 | 505 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 6,023 |
| Cost of funding earning assets | 0.8576% | 5,001 |
| Net interest margin | 3.4428% | 5,395 |
| Noninterest income to average assets | 0.1858% | 6,334 |
| Noninterest expense to average assets | 3.9809% | 1,079 |
| Loan and lease loss provision to assets | 1.9532% | 324 |
| Net operating income to assets | -2.3575% | 7,249 |
| Return on assets (ROA) | -2.3496% | 7,252 |
| Pretax return on assets | -2.5239% | 7,251 |
| Return on Equity (ROE) | -27.8757% | 7,221 |
| Retained earnings to average equity (ytd only) | -27.8757% | 7,211 |
| Net charge-offs to loans | 3.0719% | 328 |
| Credit loss provision to net charge-offs | 100.3657% | 3,095 |
| Earnings coverage of net charge-offs (x) | -0.2976% | 5,451 |
| Efficiency ratio | 117.0250% | 376 |
| Assets per employee ($millions) | 3.3377% | 5,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2856% | 712 |
| Loan loss allowance to noncurrent loans | 37.6105% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 6.8418% | 764 |
| Noncurrent loans to loans | 8.7358% | 481 |
| Net loans and leases to total assets | 62.4543% | 3,800 |
| Net loans and leases to deposits | 70.3270% | 4,393 |
| Net loans and leases to core deposits | 74.1547% | 4,563 |
| Total domestic deposits to total assets | 88.8055% | 1,663 |
| Equity capital to assets | 8.4430% | 6,245 |
| Core capital (leverage) ratio | 8.4625% | 5,608 |
| Tier 1 risk-based capital ratio | 12.7125% | 5,167 |
| Total risk-based capital ratio | 13.9852% | 5,121 |
| Memoranda: | ||
| Average total assets | $1,320,899,000 | 504 |
| Average earning assets | $1,233,895,000 | 496 |
| Average equity | $111,337,000 | 626 |
| Average total loans | $836,808,000 | 513 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 6,414 |
| Cost of funding earning assets | 0.8721% | 5,116 |
| Net interest margin | 3.2693% | 5,879 |
| Noninterest income to average assets | 0.6374% | 2,917 |
| Noninterest expense to average assets | 3.8400% | 1,272 |
| Loan and lease loss provision to assets | 1.6351% | 372 |
| Net operating income to assets | -1.8004% | 7,254 |
| Return on assets (ROA) | -1.8004% | 7,254 |
| Pretax return on assets | -1.7885% | 7,224 |
| Return on Equity (ROE) | -21.3763% | 7,234 |
| Retained earnings to average equity (ytd only) | -21.3763% | 7,176 |
| Net charge-offs to loans | 2.5953% | 428 |
| Credit loss provision to net charge-offs | 100.3650% | 2,634 |
| Earnings coverage of net charge-offs (x) | -0.0942% | 4,640 |
| Efficiency ratio | 104.1610% | 622 |
| Assets per employee ($millions) | 3.4659% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2677% | 730 |
| Loan loss allowance to noncurrent loans | 31.6005% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 7.6095% | 653 |
| Noncurrent loans to loans | 10.3408% | 376 |
| Net loans and leases to total assets | 59.7952% | 4,312 |
| Net loans and leases to deposits | 67.5233% | 4,743 |
| Net loans and leases to core deposits | 70.8776% | 4,940 |
| Total domestic deposits to total assets | 88.5549% | 2,043 |
| Equity capital to assets | 8.5613% | 5,825 |
| Core capital (leverage) ratio | 9.1299% | 4,397 |
| Tier 1 risk-based capital ratio | 13.5302% | 4,406 |
| Total risk-based capital ratio | 14.8022% | 4,356 |
| Memoranda: | ||
| Average total assets | $1,345,511,500 | 505 |
| Average earning assets | $1,254,949,000 | 497 |
| Average equity | $113,321,500 | 607 |
| Average total loans | $844,614,000 | 517 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 6,546 |
| Cost of funding earning assets | 1.2028% | 4,550 |
| Net interest margin | 3.2355% | 6,177 |
| Noninterest income to average assets | -0.1064% | 7,395 |
| Noninterest expense to average assets | 3.8994% | 1,317 |
| Loan and lease loss provision to assets | 3.3759% | 244 |
| Net operating income to assets | -4.2970% | 7,469 |
| Return on assets (ROA) | -4.2963% | 7,484 |
| Pretax return on assets | -4.3934% | 7,490 |
| Return on Equity (ROE) | -80.0705% | 7,551 |
| Retained earnings to average equity (ytd only) | -80.0705% | 7,549 |
| Net charge-offs to loans | 4.5533% | 237 |
| Credit loss provision to net charge-offs | 106.5193% | 4,190 |
| Earnings coverage of net charge-offs (x) | -0.3213% | 6,369 |
| Efficiency ratio | 127.8390% | 335 |
| Assets per employee ($millions) | 3.4432% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1160% | 789 |
| Loan loss allowance to noncurrent loans | 29.4448% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 8.2156% | 594 |
| Noncurrent loans to loans | 10.5825% | 382 |
| Net loans and leases to total assets | 61.7292% | 4,341 |
| Net loans and leases to deposits | 71.1241% | 4,665 |
| Net loans and leases to core deposits | 74.2785% | 4,943 |
| Total domestic deposits to total assets | 86.7908% | 2,930 |
| Equity capital to assets | 8.2853% | 6,162 |
| Core capital (leverage) ratio | 8.1183% | 5,980 |
| Tier 1 risk-based capital ratio | 12.9787% | 4,613 |
| Total risk-based capital ratio | 14.2497% | 4,565 |
| Memoranda: | ||
| Average total assets | $1,381,788,400 | 491 |
| Average earning assets | $1,275,889,600 | 479 |
| Average equity | $74,142,200 | 894 |
| Average total loans | $961,785,200 | 465 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 6,603 |
| Cost of funding earning assets | 1.2160% | 4,764 |
| Net interest margin | 3.2859% | 6,064 |
| Noninterest income to average assets | 0.3989% | 4,964 |
| Noninterest expense to average assets | 3.9657% | 1,087 |
| Loan and lease loss provision to assets | 3.5156% | 206 |
| Net operating income to assets | -2.5737% | 7,367 |
| Return on assets (ROA) | -2.5732% | 7,385 |
| Pretax return on assets | -4.0539% | 7,566 |
| Return on Equity (ROE) | -55.3101% | 7,583 |
| Retained earnings to average equity (ytd only) | -55.3101% | 7,581 |
| Net charge-offs to loans | 4.2373% | 271 |
| Credit loss provision to net charge-offs | 116.7837% | 3,560 |
| Earnings coverage of net charge-offs (x) | -0.1791% | 6,164 |
| Efficiency ratio | 107.3613% | 569 |
| Assets per employee ($millions) | 3.5208% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1896% | 702 |
| Loan loss allowance to noncurrent loans | 32.3213% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 8.2080% | 604 |
| Noncurrent loans to loans | 9.8683% | 437 |
| Net loans and leases to total assets | 64.5230% | 4,012 |
| Net loans and leases to deposits | 74.1024% | 4,491 |
| Net loans and leases to core deposits | 77.2830% | 4,889 |
| Total domestic deposits to total assets | 87.0729% | 2,485 |
| Equity capital to assets | 3.6422% | 7,658 |
| Core capital (leverage) ratio | 3.0941% | 7,673 |
| Tier 1 risk-based capital ratio | 4.4444% | 7,669 |
| Total risk-based capital ratio | 5.7168% | 7,671 |
| Memoranda: | ||
| Average total assets | $1,388,075,750 | 479 |
| Average earning assets | $1,278,972,750 | 469 |
| Average equity | $64,577,250 | 1,035 |
| Average total loans | $986,137,500 | 455 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5833% | 6,509 |
| Cost of funding earning assets | 1.2167% | 5,037 |
| Net interest margin | 3.3666% | 5,770 |
| Noninterest income to average assets | 0.7635% | 2,310 |
| Noninterest expense to average assets | 3.5961% | 1,795 |
| Loan and lease loss provision to assets | 3.3795% | 266 |
| Net operating income to assets | -1.9867% | 7,301 |
| Return on assets (ROA) | -1.9859% | 7,304 |
| Pretax return on assets | -3.1126% | 7,486 |
| Return on Equity (ROE) | -39.8256% | 7,529 |
| Retained earnings to average equity (ytd only) | -39.8256% | 7,522 |
| Net charge-offs to loans | 3.8078% | 359 |
| Credit loss provision to net charge-offs | 122.4213% | 3,304 |
| Earnings coverage of net charge-offs (x) | 0.0962% | 5,628 |
| Efficiency ratio | 93.1218% | 1,113 |
| Assets per employee ($millions) | 3.4250% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9287% | 885 |
| Loan loss allowance to noncurrent loans | 30.9611% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 8.5207% | 543 |
| Noncurrent loans to loans | 9.4592% | 487 |
| Net loans and leases to total assets | 67.8198% | 3,415 |
| Net loans and leases to deposits | 78.8713% | 3,822 |
| Net loans and leases to core deposits | 81.7404% | 4,454 |
| Total domestic deposits to total assets | 85.9879% | 3,098 |
| Equity capital to assets | 4.5281% | 7,662 |
| Core capital (leverage) ratio | 4.3970% | 7,658 |
| Tier 1 risk-based capital ratio | 5.8968% | 7,665 |
| Total risk-based capital ratio | 7.1659% | 7,666 |
| Memoranda: | ||
| Average total assets | $1,390,722,670 | 481 |
| Average earning assets | $1,279,854,330 | 469 |
| Average equity | $69,347,330 | 961 |
| Average total loans | $1,008,235,330 | 450 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 6,425 |
| Cost of funding earning assets | 1.2773% | 4,951 |
| Net interest margin | 3.3681% | 5,715 |
| Noninterest income to average assets | 1.0838% | 1,081 |
| Noninterest expense to average assets | 3.4901% | 2,011 |
| Loan and lease loss provision to assets | 3.0879% | 318 |
| Net operating income to assets | -1.5207% | 7,339 |
| Return on assets (ROA) | -1.5193% | 7,343 |
| Pretax return on assets | -2.3931% | 7,497 |
| Return on Equity (ROE) | -29.1345% | 7,563 |
| Retained earnings to average equity (ytd only) | -29.1345% | 7,533 |
| Net charge-offs to loans | 2.4920% | 658 |
| Credit loss provision to net charge-offs | 167.8901% | 2,163 |
| Earnings coverage of net charge-offs (x) | 0.3765% | 4,702 |
| Efficiency ratio | 83.4421% | 2,079 |
| Assets per employee ($millions) | 3.2963% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8106% | 972 |
| Loan loss allowance to noncurrent loans | 25.1155% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 10.5364% | 362 |
| Noncurrent loans to loans | 11.1909% | 343 |
| Net loans and leases to total assets | 72.9095% | 2,228 |
| Net loans and leases to deposits | 85.5114% | 2,678 |
| Net loans and leases to core deposits | 88.4972% | 3,569 |
| Total domestic deposits to total assets | 85.2629% | 3,527 |
| Equity capital to assets | 5.2828% | 7,694 |
| Core capital (leverage) ratio | 5.3629% | 7,670 |
| Tier 1 risk-based capital ratio | 6.8998% | 7,705 |
| Total risk-based capital ratio | 8.1677% | 7,710 |
| Memoranda: | ||
| Average total assets | $1,392,511,500 | 496 |
| Average earning assets | $1,281,188,000 | 481 |
| Average equity | $72,615,000 | 913 |
| Average total loans | $1,027,782,000 | 460 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1667% | 5,806 |
| Cost of funding earning assets | 1.6730% | 4,654 |
| Net interest margin | 3.4937% | 4,982 |
| Noninterest income to average assets | 0.9809% | 1,638 |
| Noninterest expense to average assets | 3.3372% | 2,881 |
| Loan and lease loss provision to assets | 5.1672% | 173 |
| Net operating income to assets | -2.8176% | 7,356 |
| Return on assets (ROA) | -2.8175% | 7,363 |
| Pretax return on assets | -4.3715% | 7,616 |
| Return on Equity (ROE) | -40.6492% | 7,582 |
| Retained earnings to average equity (ytd only) | -41.0442% | 7,569 |
| Net charge-offs to loans | 5.3866% | 215 |
| Credit loss provision to net charge-offs | 121.6823% | 4,366 |
| Earnings coverage of net charge-offs (x) | 0.1873% | 5,961 |
| Efficiency ratio | 80.6936% | 2,791 |
| Assets per employee ($millions) | 3.4791% | 5,060 |
| Cash dividends to net income (ytd only)* | -0.9719% | 7,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3060% | 1,472 |
| Loan loss allowance to noncurrent loans | 24.8401% | 6,808 |
| Noncurrent assets plus other real estate owned to assets | 8.6830% | 470 |
| Noncurrent loans to loans | 9.2833% | 471 |
| Net loans and leases to total assets | 70.9965% | 3,003 |
| Net loans and leases to deposits | 82.4592% | 3,555 |
| Net loans and leases to core deposits | 104.7937% | 3,475 |
| Total domestic deposits to total assets | 86.0989% | 2,966 |
| Equity capital to assets | 5.1508% | 7,776 |
| Core capital (leverage) ratio | 5.5219% | 7,708 |
| Tier 1 risk-based capital ratio | 6.9595% | 7,752 |
| Total risk-based capital ratio | 8.2205% | 7,756 |
| Memoranda: | ||
| Average total assets | $1,420,512,000 | 481 |
| Average earning assets | $1,281,503,400 | 477 |
| Average equity | $98,459,600 | 671 |
| Average total loans | $1,119,832,200 | 441 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2914% | 5,473 |
| Cost of funding earning assets | 1.7120% | 4,838 |
| Net interest margin | 3.5794% | 4,557 |
| Noninterest income to average assets | 1.0372% | 1,474 |
| Noninterest expense to average assets | 3.3420% | 2,756 |
| Loan and lease loss provision to assets | 5.2878% | 154 |
| Net operating income to assets | -2.8187% | 7,546 |
| Return on assets (ROA) | -2.8186% | 7,548 |
| Pretax return on assets | -4.3767% | 7,739 |
| Return on Equity (ROE) | -38.1774% | 7,736 |
| Retained earnings to average equity (ytd only) | -38.6734% | 7,733 |
| Net charge-offs to loans | 5.2252% | 200 |
| Credit loss provision to net charge-offs | 125.8767% | 3,997 |
| Earnings coverage of net charge-offs (x) | 0.2168% | 5,804 |
| Efficiency ratio | 78.5087% | 3,081 |
| Assets per employee ($millions) | 3.4941% | 4,946 |
| Cash dividends to net income (ytd only)* | -1.2991% | 7,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0833% | 1,627 |
| Loan loss allowance to noncurrent loans | 24.3678% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 8.4285% | 485 |
| Noncurrent loans to loans | 8.5495% | 540 |
| Net loans and leases to total assets | 74.3386% | 2,434 |
| Net loans and leases to deposits | 86.1697% | 3,285 |
| Net loans and leases to core deposits | 109.7533% | 3,265 |
| Total domestic deposits to total assets | 86.2700% | 2,559 |
| Equity capital to assets | 6.1284% | 7,833 |
| Core capital (leverage) ratio | 5.9622% | 7,805 |
| Tier 1 risk-based capital ratio | 7.4803% | 7,854 |
| Total risk-based capital ratio | 8.7389% | 7,859 |
| Memoranda: | ||
| Average total assets | $1,416,426,250 | 495 |
| Average earning assets | $1,272,524,750 | 494 |
| Average equity | $104,572,250 | 632 |
| Average total loans | $1,138,741,250 | 447 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 5,644 |
| Cost of funding earning assets | 1.7136% | 5,206 |
| Net interest margin | 3.5900% | 4,405 |
| Noninterest income to average assets | 1.1939% | 1,100 |
| Noninterest expense to average assets | 3.3279% | 2,859 |
| Loan and lease loss provision to assets | 4.5529% | 247 |
| Net operating income to assets | -2.2384% | 7,488 |
| Return on assets (ROA) | -2.2382% | 7,487 |
| Pretax return on assets | -3.4820% | 7,675 |
| Return on Equity (ROE) | -28.6780% | 7,692 |
| Retained earnings to average equity (ytd only) | -29.3833% | 7,676 |
| Net charge-offs to loans | 3.6646% | 407 |
| Credit loss provision to net charge-offs | 151.6973% | 3,033 |
| Earnings coverage of net charge-offs (x) | 0.3567% | 5,325 |
| Efficiency ratio | 75.5887% | 3,770 |
| Assets per employee ($millions) | 3.5949% | 4,580 |
| Cash dividends to net income (ytd only)* | -2.4594% | 7,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9287% | 1,723 |
| Loan loss allowance to noncurrent loans | 22.9553% | 6,966 |
| Noncurrent assets plus other real estate owned to assets | 7.7101% | 508 |
| Noncurrent loans to loans | 8.4021% | 497 |
| Net loans and leases to total assets | 76.1468% | 2,147 |
| Net loans and leases to deposits | 88.9513% | 2,996 |
| Net loans and leases to core deposits | 112.9775% | 3,021 |
| Total domestic deposits to total assets | 85.6050% | 2,957 |
| Equity capital to assets | 6.7632% | 7,726 |
| Core capital (leverage) ratio | 7.1492% | 7,409 |
| Tier 1 risk-based capital ratio | 8.4313% | 7,855 |
| Total risk-based capital ratio | 9.6881% | 7,887 |
| Memoranda: | ||
| Average total assets | $1,413,371,000 | 507 |
| Average earning assets | $1,261,658,330 | 512 |
| Average equity | $110,307,670 | 612 |
| Average total loans | $1,157,550,670 | 448 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5073% | 4,877 |
| Cost of funding earning assets | 1.6246% | 5,928 |
| Net interest margin | 3.8827% | 3,122 |
| Noninterest income to average assets | 1.1062% | 1,213 |
| Noninterest expense to average assets | 3.1543% | 3,177 |
| Loan and lease loss provision to assets | 0.6274% | 2,017 |
| Net operating income to assets | 0.5751% | 4,120 |
| Return on assets (ROA) | 0.5755% | 4,316 |
| Pretax return on assets | 0.9017% | 3,708 |
| Return on Equity (ROE) | 6.8875% | 3,635 |
| Retained earnings to average equity (ytd only) | 5.5445% | 2,848 |
| Net charge-offs to loans | 0.1950% | 3,468 |
| Credit loss provision to net charge-offs | 382.2496% | 1,346 |
| Earnings coverage of net charge-offs (x) | 9.3128% | 2,074 |
| Efficiency ratio | 67.2909% | 5,083 |
| Assets per employee ($millions) | 3.4238% | 5,013 |
| Cash dividends to net income (ytd only)* | 19.4987% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 5,612 |
| Loan loss allowance to noncurrent loans | 22.3745% | 7,045 |
| Noncurrent assets plus other real estate owned to assets | 4.4959% | 1,072 |
| Noncurrent loans to loans | 4.8240% | 1,148 |
| Net loans and leases to total assets | 82.3017% | 971 |
| Net loans and leases to deposits | 96.8279% | 1,820 |
| Net loans and leases to core deposits | 120.5587% | 2,369 |
| Total domestic deposits to total assets | 84.9979% | 3,210 |
| Equity capital to assets | 8.3103% | 6,375 |
| Core capital (leverage) ratio | 8.6557% | 5,243 |
| Tier 1 risk-based capital ratio | 9.7149% | 7,239 |
| Total risk-based capital ratio | 10.7388% | 7,385 |
| Memoranda: | ||
| Average total assets | $1,386,692,000 | 514 |
| Average earning assets | $1,277,361,500 | 507 |
| Average equity | $115,862,500 | 579 |
| Average total loans | $1,166,910,000 | 453 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3845% | 3,500 |
| Cost of funding earning assets | 2.1682% | 5,739 |
| Net interest margin | 4.2162% | 2,249 |
| Noninterest income to average assets | 1.3217% | 835 |
| Noninterest expense to average assets | 3.2020% | 3,327 |
| Loan and lease loss provision to assets | 0.4223% | 3,165 |
| Net operating income to assets | 1.0220% | 2,467 |
| Return on assets (ROA) | 1.0221% | 2,350 |
| Pretax return on assets | 1.5854% | 1,432 |
| Return on Equity (ROE) | 11.9923% | 1,599 |
| Retained earnings to average equity (ytd only) | 7.9220% | 868 |
| Net charge-offs to loans | 0.1835% | 4,363 |
| Credit loss provision to net charge-offs | 275.8468% | 1,660 |
| Earnings coverage of net charge-offs (x) | 13.1144% | 2,167 |
| Efficiency ratio | 61.3990% | 6,081 |
| Assets per employee ($millions) | 3.3818% | 4,989 |
| Cash dividends to net income (ytd only)* | 33.9412% | 3,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 6,428 |
| Loan loss allowance to noncurrent loans | 25.4388% | 6,981 |
| Noncurrent assets plus other real estate owned to assets | 3.6477% | 1,199 |
| Noncurrent loans to loans | 3.7088% | 1,356 |
| Net loans and leases to total assets | 84.3221% | 837 |
| Net loans and leases to deposits | 104.8603% | 1,254 |
| Net loans and leases to core deposits | 125.3574% | 2,222 |
| Total domestic deposits to total assets | 80.4137% | 4,866 |
| Equity capital to assets | 8.4014% | 6,251 |
| Core capital (leverage) ratio | 8.6926% | 5,210 |
| Tier 1 risk-based capital ratio | 9.5492% | 7,254 |
| Total risk-based capital ratio | 10.4403% | 7,582 |
| Memoranda: | ||
| Average total assets | $1,330,648,800 | 513 |
| Average earning assets | $1,227,041,400 | 508 |
| Average equity | $113,405,800 | 592 |
| Average total loans | $1,110,329,200 | 458 |