Home > Bank Star of the LeadBelt > Performance and Condition Ratios
Bank Star of the LeadBelt, Performance and Condition Ratios
| 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 | 4.6579% | 2,766 |
| Cost of funding earning assets | 0.6828% | 3,633 |
| Net interest margin | 3.9750% | 2,492 |
| Noninterest income to average assets | 1.0537% | 1,394 |
| Noninterest expense to average assets | 4.0486% | 922 |
| Loan and lease loss provision to assets | 0.7472% | 674 |
| Net operating income to assets | -0.1245% | 6,305 |
| Return on assets (ROA) | -0.0871% | 6,378 |
| Pretax return on assets | -0.1288% | 6,383 |
| Return on Equity (ROE) | -1.0358% | 6,390 |
| Retained earnings to average equity (ytd only) | -1.0358% | 6,020 |
| Net charge-offs to loans | 1.2830% | 760 |
| Credit loss provision to net charge-offs | 84.1000% | 3,695 |
| Earnings coverage of net charge-offs (x) | 0.6340% | 5,169 |
| Efficiency ratio | 87.7866% | 1,259 |
| Assets per employee ($millions) | 2.4000% | 6,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9688% | 2,107 |
| Loan loss allowance to noncurrent loans | 171.6267% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 2.5824% | 1,884 |
| Noncurrent loans to loans | 1.1472% | 3,931 |
| Net loans and leases to total assets | 62.7463% | 3,107 |
| Net loans and leases to deposits | 71.1267% | 3,545 |
| Net loans and leases to core deposits | 74.2910% | 3,742 |
| Total domestic deposits to total assets | 88.2176% | 2,086 |
| Equity capital to assets | 8.6546% | 5,903 |
| Core capital (leverage) ratio | 8.4658% | 5,669 |
| Tier 1 risk-based capital ratio | 16.2362% | 3,032 |
| Total risk-based capital ratio | 17.5007% | 2,981 |
| Memoranda: | ||
| Average total assets | $112,556,600 | 4,534 |
| Average earning assets | $100,754,200 | 4,578 |
| Average equity | $9,461,600 | 5,114 |
| Average total loans | $77,943,600 | 4,094 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 2,672 |
| Cost of funding earning assets | 0.7066% | 3,703 |
| Net interest margin | 4.0232% | 2,405 |
| Noninterest income to average assets | 1.1223% | 1,193 |
| Noninterest expense to average assets | 3.7737% | 1,254 |
| Loan and lease loss provision to assets | 0.8209% | 569 |
| Net operating income to assets | 0.0829% | 6,151 |
| Return on assets (ROA) | 0.1302% | 6,216 |
| Pretax return on assets | 0.1994% | 6,125 |
| Return on Equity (ROE) | 1.5595% | 6,140 |
| Retained earnings to average equity (ytd only) | 1.5595% | 5,555 |
| Net charge-offs to loans | 1.5305% | 556 |
| Credit loss provision to net charge-offs | 76.0870% | 3,734 |
| Earnings coverage of net charge-offs (x) | 0.8783% | 4,893 |
| Efficiency ratio | 79.9305% | 2,104 |
| Assets per employee ($millions) | 2.5626% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 3,079 |
| Loan loss allowance to noncurrent loans | 164.1414% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 2.6296% | 2,008 |
| Noncurrent loans to loans | 1.0482% | 4,344 |
| Net loans and leases to total assets | 65.8590% | 2,680 |
| Net loans and leases to deposits | 74.2937% | 3,239 |
| Net loans and leases to core deposits | 77.2330% | 3,581 |
| Total domestic deposits to total assets | 88.6469% | 1,626 |
| Equity capital to assets | 8.4796% | 6,281 |
| Core capital (leverage) ratio | 8.3851% | 5,914 |
| Tier 1 risk-based capital ratio | 14.9897% | 3,856 |
| Total risk-based capital ratio | 16.2496% | 3,801 |
| Memoranda: | ||
| Average total assets | $113,695,750 | 4,553 |
| Average earning assets | $101,708,250 | 4,602 |
| Average equity | $9,490,250 | 5,154 |
| Average total loans | $80,147,750 | 4,077 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 2,510 |
| Cost of funding earning assets | 0.7356% | 3,719 |
| Net interest margin | 4.0642% | 2,233 |
| Noninterest income to average assets | 1.1087% | 1,166 |
| Noninterest expense to average assets | 3.7400% | 1,310 |
| Loan and lease loss provision to assets | 0.8420% | 581 |
| Net operating income to assets | 0.1047% | 6,146 |
| Return on assets (ROA) | 0.1754% | 6,162 |
| Pretax return on assets | 0.2702% | 6,023 |
| Return on Equity (ROE) | 2.1127% | 6,008 |
| Retained earnings to average equity (ytd only) | 2.1127% | 5,139 |
| Net charge-offs to loans | 1.5647% | 613 |
| Credit loss provision to net charge-offs | 75.1174% | 3,450 |
| Earnings coverage of net charge-offs (x) | 0.8951% | 4,596 |
| Efficiency ratio | 78.8462% | 2,345 |
| Assets per employee ($millions) | 2.5698% | 6,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 3,117 |
| Loan loss allowance to noncurrent loans | 231.8569% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 2.2466% | 2,487 |
| Noncurrent loans to loans | 0.7450% | 5,018 |
| Net loans and leases to total assets | 66.9610% | 2,469 |
| Net loans and leases to deposits | 75.9532% | 3,003 |
| Net loans and leases to core deposits | 80.3251% | 3,174 |
| Total domestic deposits to total assets | 88.1609% | 2,034 |
| Equity capital to assets | 8.2557% | 6,410 |
| Core capital (leverage) ratio | 8.3059% | 5,900 |
| Tier 1 risk-based capital ratio | 14.3711% | 4,198 |
| Total risk-based capital ratio | 15.6301% | 4,150 |
| Memoranda: | ||
| Average total assets | $114,010,000 | 4,567 |
| Average earning assets | $101,964,330 | 4,625 |
| Average equity | $9,466,670 | 5,163 |
| Average total loans | $81,677,670 | 4,047 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 2,361 |
| Cost of funding earning assets | 0.7574% | 3,807 |
| Net interest margin | 4.1107% | 2,056 |
| Noninterest income to average assets | 1.0884% | 1,214 |
| Noninterest expense to average assets | 3.7069% | 1,365 |
| Loan and lease loss provision to assets | 1.2722% | 288 |
| Net operating income to assets | -0.2085% | 6,649 |
| Return on assets (ROA) | 0.0106% | 6,504 |
| Pretax return on assets | 0.0106% | 6,510 |
| Return on Equity (ROE) | 0.1273% | 6,500 |
| Retained earnings to average equity (ytd only) | 0.1273% | 5,937 |
| Net charge-offs to loans | 2.7671% | 276 |
| Credit loss provision to net charge-offs | 62.6087% | 3,061 |
| Earnings coverage of net charge-offs (x) | 0.5235% | 4,078 |
| Efficiency ratio | 77.7037% | 2,534 |
| Assets per employee ($millions) | 2.4246% | 6,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 3,750 |
| Loan loss allowance to noncurrent loans | 192.6145% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 2.4729% | 2,391 |
| Noncurrent loans to loans | 0.8278% | 5,017 |
| Net loans and leases to total assets | 70.6231% | 1,645 |
| Net loans and leases to deposits | 80.1211% | 2,190 |
| Net loans and leases to core deposits | 84.5751% | 2,467 |
| Total domestic deposits to total assets | 88.1455% | 2,218 |
| Equity capital to assets | 8.2329% | 6,330 |
| Core capital (leverage) ratio | 8.4175% | 5,719 |
| Tier 1 risk-based capital ratio | 13.5723% | 4,777 |
| Total risk-based capital ratio | 14.8298% | 4,756 |
| Memoranda: | ||
| Average total assets | $113,194,000 | 4,615 |
| Average earning assets | $101,395,000 | 4,662 |
| Average equity | $9,426,500 | 5,185 |
| Average total loans | $83,118,500 | 4,039 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4534% | 1,283 |
| Cost of funding earning assets | 0.9137% | 4,021 |
| Net interest margin | 4.5398% | 1,046 |
| Noninterest income to average assets | 1.2396% | 849 |
| Noninterest expense to average assets | 4.0341% | 990 |
| Loan and lease loss provision to assets | 1.3122% | 618 |
| Net operating income to assets | 0.0107% | 6,017 |
| Return on assets (ROA) | 0.0107% | 6,139 |
| Pretax return on assets | 0.0054% | 6,122 |
| Return on Equity (ROE) | 0.1241% | 6,132 |
| Retained earnings to average equity (ytd only) | -1.9446% | 6,148 |
| Net charge-offs to loans | 1.2801% | 1,293 |
| Credit loss provision to net charge-offs | 129.0749% | 2,380 |
| Earnings coverage of net charge-offs (x) | 1.2960% | 4,805 |
| Efficiency ratio | 75.3808% | 2,995 |
| Assets per employee ($millions) | 2.4985% | 6,832 |
| Cash dividends to net income (ytd only)* | 1,666.6667% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 2,874 |
| Loan loss allowance to noncurrent loans | 147.1442% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 2.0617% | 2,891 |
| Noncurrent loans to loans | 1.2232% | 4,326 |
| Net loans and leases to total assets | 73.7635% | 1,317 |
| Net loans and leases to deposits | 84.0168% | 1,921 |
| Net loans and leases to core deposits | 88.7696% | 2,286 |
| Total domestic deposits to total assets | 87.7961% | 2,281 |
| Equity capital to assets | 8.4238% | 6,230 |
| Core capital (leverage) ratio | 8.4446% | 5,648 |
| Tier 1 risk-based capital ratio | 13.4403% | 4,741 |
| Total risk-based capital ratio | 14.7015% | 4,700 |
| Memoranda: | ||
| Average total assets | $111,647,000 | 4,602 |
| Average earning assets | $101,128,800 | 4,607 |
| Average equity | $9,668,000 | 5,103 |
| Average total loans | $88,665,600 | 3,888 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 1,320 |
| Cost of funding earning assets | 0.9310% | 4,189 |
| Net interest margin | 4.5431% | 1,059 |
| Noninterest income to average assets | 1.2609% | 813 |
| Noninterest expense to average assets | 4.0268% | 979 |
| Loan and lease loss provision to assets | 0.9511% | 925 |
| Net operating income to assets | 0.2500% | 5,571 |
| Return on assets (ROA) | 0.2500% | 5,716 |
| Pretax return on assets | 0.4103% | 5,439 |
| Return on Equity (ROE) | 2.8677% | 5,474 |
| Retained earnings to average equity (ytd only) | 0.1235% | 5,920 |
| Net charge-offs to loans | 0.7921% | 1,979 |
| Credit loss provision to net charge-offs | 149.1557% | 2,106 |
| Earnings coverage of net charge-offs (x) | 2.1351% | 4,064 |
| Efficiency ratio | 74.7336% | 3,043 |
| Assets per employee ($millions) | 2.4661% | 6,926 |
| Cash dividends to net income (ytd only)* | 95.6937% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 3,480 |
| Loan loss allowance to noncurrent loans | 112.3839% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.1778% | 4,430 |
| Noncurrent loans to loans | 1.4604% | 4,109 |
| Net loans and leases to total assets | 78.4139% | 667 |
| Net loans and leases to deposits | 89.3217% | 1,286 |
| Net loans and leases to core deposits | 94.6919% | 1,724 |
| Total domestic deposits to total assets | 87.7881% | 2,173 |
| Equity capital to assets | 8.7246% | 6,059 |
| Core capital (leverage) ratio | 8.6999% | 5,411 |
| Tier 1 risk-based capital ratio | 13.3203% | 4,869 |
| Total risk-based capital ratio | 14.0655% | 5,221 |
| Memoranda: | ||
| Average total assets | $111,451,000 | 4,636 |
| Average earning assets | $101,251,000 | 4,635 |
| Average equity | $9,717,250 | 5,120 |
| Average total loans | $89,718,750 | 3,902 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 1,379 |
| Cost of funding earning assets | 0.9600% | 4,251 |
| Net interest margin | 4.5037% | 1,125 |
| Noninterest income to average assets | 1.1934% | 906 |
| Noninterest expense to average assets | 4.0032% | 1,048 |
| Loan and lease loss provision to assets | 1.2364% | 621 |
| Net operating income to assets | 0.0251% | 6,179 |
| Return on assets (ROA) | 0.0251% | 6,259 |
| Pretax return on assets | 0.0394% | 6,208 |
| Return on Equity (ROE) | 0.2878% | 6,244 |
| Retained earnings to average equity (ytd only) | -3.8236% | 6,457 |
| Net charge-offs to loans | 0.9896% | 1,584 |
| Credit loss provision to net charge-offs | 154.7085% | 1,969 |
| Earnings coverage of net charge-offs (x) | 1.5964% | 4,092 |
| Efficiency ratio | 75.8316% | 3,044 |
| Assets per employee ($millions) | 2.4546% | 6,965 |
| Cash dividends to net income (ytd only)* | 1,428.5714% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6046% | 3,676 |
| Loan loss allowance to noncurrent loans | 84.1056% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.5436% | 3,883 |
| Noncurrent loans to loans | 1.9079% | 3,596 |
| Net loans and leases to total assets | 79.6091% | 570 |
| Net loans and leases to deposits | 89.9736% | 1,277 |
| Net loans and leases to core deposits | 95.6168% | 1,720 |
| Total domestic deposits to total assets | 88.4805% | 1,867 |
| Equity capital to assets | 8.5917% | 6,070 |
| Core capital (leverage) ratio | 8.3782% | 5,742 |
| Tier 1 risk-based capital ratio | 12.6901% | 5,187 |
| Total risk-based capital ratio | 13.9482% | 5,152 |
| Memoranda: | ||
| Average total assets | $111,610,000 | 4,669 |
| Average earning assets | $101,251,000 | 4,671 |
| Average equity | $9,729,000 | 5,112 |
| Average total loans | $90,134,670 | 3,934 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5371% | 1,206 |
| Cost of funding earning assets | 0.9647% | 4,464 |
| Net interest margin | 4.5725% | 913 |
| Noninterest income to average assets | 1.0732% | 1,140 |
| Noninterest expense to average assets | 3.8079% | 1,326 |
| Loan and lease loss provision to assets | 0.2674% | 3,000 |
| Net operating income to assets | 0.7167% | 3,442 |
| Return on assets (ROA) | 0.7167% | 3,505 |
| Pretax return on assets | 1.1552% | 2,538 |
| Return on Equity (ROE) | 8.1637% | 2,845 |
| Retained earnings to average equity (ytd only) | 0.0406% | 5,775 |
| Net charge-offs to loans | 0.6584% | 1,890 |
| Credit loss provision to net charge-offs | 50.3356% | 3,741 |
| Earnings coverage of net charge-offs (x) | 2.6779% | 3,005 |
| Efficiency ratio | 72.8016% | 3,714 |
| Assets per employee ($millions) | 2.3298% | 7,160 |
| Cash dividends to net income (ytd only)* | 99.5025% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 5,451 |
| Loan loss allowance to noncurrent loans | 81.6386% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.5175% | 3,976 |
| Noncurrent loans to loans | 1.5164% | 4,200 |
| Net loans and leases to total assets | 79.6096% | 553 |
| Net loans and leases to deposits | 91.1482% | 1,100 |
| Net loans and leases to core deposits | 95.5524% | 1,708 |
| Total domestic deposits to total assets | 87.3408% | 2,744 |
| Equity capital to assets | 8.8061% | 5,483 |
| Core capital (leverage) ratio | 8.7313% | 5,033 |
| Tier 1 risk-based capital ratio | 12.2948% | 5,441 |
| Total risk-based capital ratio | 13.5472% | 5,433 |
| Memoranda: | ||
| Average total assets | $112,187,000 | 4,681 |
| Average earning assets | $102,002,000 | 4,687 |
| Average equity | $9,848,500 | 5,082 |
| Average total loans | $90,518,500 | 3,966 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7261% | 1,482 |
| Cost of funding earning assets | 1.3405% | 3,640 |
| Net interest margin | 4.3856% | 1,530 |
| Noninterest income to average assets | 1.2171% | 1,015 |
| Noninterest expense to average assets | 3.6907% | 1,720 |
| Loan and lease loss provision to assets | 0.3424% | 4,093 |
| Net operating income to assets | 0.7481% | 3,006 |
| Return on assets (ROA) | 0.7772% | 3,017 |
| Pretax return on assets | 1.2086% | 2,197 |
| Return on Equity (ROE) | 9.2331% | 2,203 |
| Retained earnings to average equity (ytd only) | 1.0982% | 4,996 |
| Net charge-offs to loans | 0.5237% | 3,527 |
| Credit loss provision to net charge-offs | 81.9672% | 5,487 |
| Earnings coverage of net charge-offs (x) | 3.6045% | 3,284 |
| Efficiency ratio | 71.0262% | 3,989 |
| Assets per employee ($millions) | 2.6796% | 6,722 |
| Cash dividends to net income (ytd only)* | 88.1057% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,956 |
| Loan loss allowance to noncurrent loans | 604.0609% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 5,561 |
| Noncurrent loans to loans | 0.2167% | 6,635 |
| Net loans and leases to total assets | 79.7054% | 697 |
| Net loans and leases to deposits | 91.5149% | 1,324 |
| Net loans and leases to core deposits | 96.1735% | 1,992 |
| Total domestic deposits to total assets | 87.0955% | 2,771 |
| Equity capital to assets | 8.7514% | 5,507 |
| Core capital (leverage) ratio | 8.5971% | 5,197 |
| Tier 1 risk-based capital ratio | 12.3395% | 5,170 |
| Total risk-based capital ratio | 13.5929% | 5,142 |
| Memoranda: | ||
| Average total assets | $116,833,600 | 4,558 |
| Average earning assets | $106,006,000 | 4,564 |
| Average equity | $9,834,200 | 5,180 |
| Average total loans | $93,176,000 | 3,976 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7346% | 1,594 |
| Cost of funding earning assets | 1.4137% | 3,498 |
| Net interest margin | 4.3209% | 1,770 |
| Noninterest income to average assets | 1.2021% | 964 |
| Noninterest expense to average assets | 3.5847% | 1,824 |
| Loan and lease loss provision to assets | 0.2544% | 4,546 |
| Net operating income to assets | 0.7939% | 3,028 |
| Return on assets (ROA) | 0.8323% | 3,009 |
| Pretax return on assets | 1.3389% | 2,068 |
| Return on Equity (ROE) | 9.9823% | 2,131 |
| Retained earnings to average equity (ytd only) | 1.8446% | 5,037 |
| Net charge-offs to loans | 0.5291% | 3,183 |
| Credit loss provision to net charge-offs | 60.4839% | 5,675 |
| Earnings coverage of net charge-offs (x) | 3.6451% | 3,359 |
| Efficiency ratio | 70.0398% | 4,059 |
| Assets per employee ($millions) | 2.7205% | 6,745 |
| Cash dividends to net income (ytd only)* | 81.5216% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 5,292 |
| Loan loss allowance to noncurrent loans | 856.8182% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 5,658 |
| Noncurrent loans to loans | 0.1446% | 6,884 |
| Net loans and leases to total assets | 78.8985% | 899 |
| Net loans and leases to deposits | 90.3036% | 1,683 |
| Net loans and leases to core deposits | 94.7990% | 2,410 |
| Total domestic deposits to total assets | 87.3703% | 2,336 |
| Equity capital to assets | 8.6844% | 6,041 |
| Core capital (leverage) ratio | 8.4609% | 5,578 |
| Tier 1 risk-based capital ratio | 12.2374% | 5,233 |
| Total risk-based capital ratio | 13.4893% | 5,197 |
| Memoranda: | ||
| Average total assets | $117,906,500 | 4,584 |
| Average earning assets | $106,857,500 | 4,597 |
| Average equity | $9,830,500 | 5,247 |
| Average total loans | $93,747,000 | 4,025 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6861% | 1,817 |
| Cost of funding earning assets | 1.4941% | 3,286 |
| Net interest margin | 4.1920% | 2,181 |
| Noninterest income to average assets | 1.1921% | 910 |
| Noninterest expense to average assets | 3.5443% | 1,921 |
| Loan and lease loss provision to assets | 0.2518% | 4,404 |
| Net operating income to assets | 0.7456% | 3,215 |
| Return on assets (ROA) | 0.8025% | 3,102 |
| Pretax return on assets | 1.2911% | 2,119 |
| Return on Equity (ROE) | 9.7554% | 2,193 |
| Retained earnings to average equity (ytd only) | 1.5919% | 5,065 |
| Net charge-offs to loans | 0.7148% | 2,431 |
| Credit loss provision to net charge-offs | 44.3787% | 5,534 |
| Earnings coverage of net charge-offs (x) | 2.5621% | 3,717 |
| Efficiency ratio | 70.9103% | 3,999 |
| Assets per employee ($millions) | 2.6578% | 6,847 |
| Cash dividends to net income (ytd only)* | 83.6820% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 5,612 |
| Loan loss allowance to noncurrent loans | 2,018.5185% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.7012% | 5,738 |
| Noncurrent loans to loans | 0.0579% | 7,174 |
| Net loans and leases to total assets | 78.7969% | 996 |
| Net loans and leases to deposits | 89.5807% | 1,925 |
| Net loans and leases to core deposits | 94.4034% | 2,654 |
| Total domestic deposits to total assets | 87.9619% | 2,024 |
| Equity capital to assets | 8.4287% | 6,255 |
| Core capital (leverage) ratio | 8.3447% | 5,681 |
| Tier 1 risk-based capital ratio | 11.6639% | 5,613 |
| Total risk-based capital ratio | 12.9158% | 5,577 |
| Memoranda: | ||
| Average total assets | $119,121,330 | 4,592 |
| Average earning assets | $108,159,330 | 4,603 |
| Average equity | $9,799,670 | 5,260 |
| Average total loans | $94,568,670 | 4,049 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6122% | 2,098 |
| Cost of funding earning assets | 1.5967% | 2,984 |
| Net interest margin | 4.0155% | 2,809 |
| Noninterest income to average assets | 1.1247% | 989 |
| Noninterest expense to average assets | 3.4872% | 2,018 |
| Loan and lease loss provision to assets | 0.1830% | 4,685 |
| Net operating income to assets | 0.6907% | 3,482 |
| Return on assets (ROA) | 0.7354% | 3,386 |
| Pretax return on assets | 1.1813% | 2,432 |
| Return on Equity (ROE) | 9.0472% | 2,482 |
| Retained earnings to average equity (ytd only) | 0.8597% | 5,467 |
| Net charge-offs to loans | 0.6720% | 2,147 |
| Credit loss provision to net charge-offs | 34.3750% | 4,751 |
| Earnings coverage of net charge-offs (x) | 2.4313% | 3,327 |
| Efficiency ratio | 72.9297% | 3,772 |
| Assets per employee ($millions) | 2.8170% | 6,604 |
| Cash dividends to net income (ytd only)* | 90.4977% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 5,189 |
| Loan loss allowance to noncurrent loans | 165.9123% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 4,677 |
| Noncurrent loans to loans | 0.7559% | 5,814 |
| Net loans and leases to total assets | 78.0643% | 1,145 |
| Net loans and leases to deposits | 87.5667% | 2,303 |
| Net loans and leases to core deposits | 92.5572% | 3,041 |
| Total domestic deposits to total assets | 89.1484% | 1,441 |
| Equity capital to assets | 8.2704% | 6,343 |
| Core capital (leverage) ratio | 8.0956% | 6,085 |
| Tier 1 risk-based capital ratio | 11.4218% | 5,741 |
| Total risk-based capital ratio | 12.6737% | 5,719 |
| Memoranda: | ||
| Average total assets | $120,209,500 | 4,623 |
| Average earning assets | $109,475,500 | 4,623 |
| Average equity | $9,771,000 | 5,304 |
| Average total loans | $95,233,500 | 4,093 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0006% | 1,869 |
| Cost of funding earning assets | 2.3436% | 1,482 |
| Net interest margin | 3.6569% | 4,323 |
| Noninterest income to average assets | 1.2294% | 1,001 |
| Noninterest expense to average assets | 3.6034% | 2,134 |
| Loan and lease loss provision to assets | 0.5623% | 3,562 |
| Net operating income to assets | 0.2640% | 4,667 |
| Return on assets (ROA) | 0.2664% | 4,739 |
| Pretax return on assets | 0.3543% | 4,627 |
| Return on Equity (ROE) | 3.6798% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.6798% | 2,613 |
| Net charge-offs to loans | 0.6460% | 3,255 |
| Credit loss provision to net charge-offs | 113.2045% | 4,843 |
| Earnings coverage of net charge-offs (x) | 1.8390% | 4,346 |
| Efficiency ratio | 79.7769% | 2,921 |
| Assets per employee ($millions) | 2.7751% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 4,657 |
| Loan loss allowance to noncurrent loans | 229.4434% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8804% | 5,342 |
| Noncurrent loans to loans | 0.5746% | 6,093 |
| Net loans and leases to total assets | 78.3383% | 1,311 |
| Net loans and leases to deposits | 87.9230% | 2,566 |
| Net loans and leases to core deposits | 116.1017% | 2,307 |
| Total domestic deposits to total assets | 89.0987% | 1,437 |
| Equity capital to assets | 7.9907% | 6,594 |
| Core capital (leverage) ratio | 7.8333% | 6,408 |
| Tier 1 risk-based capital ratio | 11.1142% | 5,814 |
| Total risk-based capital ratio | 12.3672% | 5,760 |
| Memoranda: | ||
| Average total assets | $125,021,400 | 4,443 |
| Average earning assets | $112,389,600 | 4,498 |
| Average equity | $9,049,400 | 5,591 |
| Average total loans | $96,133,800 | 4,057 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0421% | 1,875 |
| Cost of funding earning assets | 2.4938% | 1,326 |
| Net interest margin | 3.5483% | 4,674 |
| Noninterest income to average assets | 1.2045% | 1,061 |
| Noninterest expense to average assets | 3.6134% | 2,006 |
| Loan and lease loss provision to assets | 0.6659% | 2,743 |
| Net operating income to assets | 0.1241% | 5,397 |
| Return on assets (ROA) | 0.0997% | 5,514 |
| Pretax return on assets | 0.0795% | 5,560 |
| Return on Equity (ROE) | 1.4126% | 5,367 |
| Retained earnings to average equity (ytd only) | 1.4126% | 4,528 |
| Net charge-offs to loans | 0.6949% | 2,610 |
| Credit loss provision to net charge-offs | 125.6000% | 4,006 |
| Earnings coverage of net charge-offs (x) | 1.4520% | 4,695 |
| Efficiency ratio | 82.4383% | 2,516 |
| Assets per employee ($millions) | 2.8471% | 6,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 4,110 |
| Loan loss allowance to noncurrent loans | 199.6983% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9228% | 5,221 |
| Noncurrent loans to loans | 0.6861% | 5,928 |
| Net loans and leases to total assets | 76.0831% | 1,982 |
| Net loans and leases to deposits | 84.7599% | 3,528 |
| Net loans and leases to core deposits | 115.0198% | 2,724 |
| Total domestic deposits to total assets | 89.7630% | 862 |
| Equity capital to assets | 7.5732% | 7,247 |
| Core capital (leverage) ratio | 7.4909% | 6,988 |
| Tier 1 risk-based capital ratio | 10.5486% | 6,415 |
| Total risk-based capital ratio | 11.8014% | 6,374 |
| Memoranda: | ||
| Average total assets | $125,750,500 | 4,453 |
| Average earning assets | $112,650,500 | 4,525 |
| Average equity | $8,872,500 | 5,692 |
| Average total loans | $95,934,000 | 4,084 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0346% | 2,036 |
| Cost of funding earning assets | 2.6476% | 1,166 |
| Net interest margin | 3.3870% | 5,225 |
| Noninterest income to average assets | 1.1326% | 1,227 |
| Noninterest expense to average assets | 3.6359% | 1,978 |
| Loan and lease loss provision to assets | 0.8784% | 1,918 |
| Net operating income to assets | -0.1682% | 6,132 |
| Return on assets (ROA) | -0.1763% | 6,172 |
| Pretax return on assets | -0.3749% | 6,301 |
| Return on Equity (ROE) | -2.5612% | 6,305 |
| Retained earnings to average equity (ytd only) | -2.5612% | 5,882 |
| Net charge-offs to loans | 0.8547% | 1,979 |
| Credit loss provision to net charge-offs | 135.2078% | 3,443 |
| Earnings coverage of net charge-offs (x) | 0.7946% | 4,938 |
| Efficiency ratio | 87.5669% | 2,064 |
| Assets per employee ($millions) | 2.9060% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 3,708 |
| Loan loss allowance to noncurrent loans | 3,268.2927% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 6,481 |
| Noncurrent loans to loans | 0.0429% | 7,434 |
| Net loans and leases to total assets | 73.6928% | 2,790 |
| Net loans and leases to deposits | 81.8029% | 4,257 |
| Net loans and leases to core deposits | 111.6962% | 3,177 |
| Total domestic deposits to total assets | 90.0857% | 794 |
| Equity capital to assets | 7.1278% | 7,535 |
| Core capital (leverage) ratio | 7.2303% | 7,321 |
| Tier 1 risk-based capital ratio | 10.2375% | 6,665 |
| Total risk-based capital ratio | 11.4903% | 6,590 |
| Memoranda: | ||
| Average total assets | $125,910,330 | 4,481 |
| Average earning assets | $112,253,000 | 4,564 |
| Average equity | $8,667,670 | 5,788 |
| Average total loans | $95,700,670 | 4,124 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0813% | 2,013 |
| Cost of funding earning assets | 2.7848% | 1,015 |
| Net interest margin | 3.2964% | 5,509 |
| Noninterest income to average assets | 1.0470% | 1,361 |
| Noninterest expense to average assets | 3.6660% | 1,719 |
| Loan and lease loss provision to assets | 1.5304% | 821 |
| Net operating income to assets | -0.7044% | 7,061 |
| Return on assets (ROA) | -0.7044% | 7,099 |
| Pretax return on assets | -1.2199% | 7,264 |
| Return on Equity (ROE) | -10.4210% | 7,390 |
| Retained earnings to average equity (ytd only) | -10.4210% | 7,152 |
| Net charge-offs to loans | 1.6624% | 868 |
| Credit loss provision to net charge-offs | 120.1005% | 3,271 |
| Earnings coverage of net charge-offs (x) | 0.2437% | 4,785 |
| Efficiency ratio | 92.1900% | 1,555 |
| Assets per employee ($millions) | 2.6556% | 6,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 3,915 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 3,693 |
| Noncurrent loans to loans | 0.0459% | 7,408 |
| Net loans and leases to total assets | 74.2688% | 2,691 |
| Net loans and leases to deposits | 81.9120% | 4,303 |
| Net loans and leases to core deposits | 111.4618% | 3,264 |
| Total domestic deposits to total assets | 90.6690% | 530 |
| Equity capital to assets | 6.4816% | 7,876 |
| Core capital (leverage) ratio | 6.9189% | 7,684 |
| Tier 1 risk-based capital ratio | 9.3801% | 7,520 |
| Total risk-based capital ratio | 10.6319% | 7,482 |
| Memoranda: | ||
| Average total assets | $124,932,500 | 4,522 |
| Average earning assets | $111,029,500 | 4,607 |
| Average equity | $8,444,500 | 5,904 |
| Average total loans | $95,767,000 | 4,155 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4617% | 3,152 |
| Cost of funding earning assets | 3.2339% | 1,090 |
| Net interest margin | 3.2278% | 6,278 |
| Noninterest income to average assets | 1.3777% | 760 |
| Noninterest expense to average assets | 3.6911% | 1,966 |
| Loan and lease loss provision to assets | 0.6734% | 2,161 |
| Net operating income to assets | 0.0237% | 6,303 |
| Return on assets (ROA) | 0.0237% | 6,159 |
| Pretax return on assets | -0.0537% | 6,215 |
| Return on Equity (ROE) | 0.3401% | 6,122 |
| Retained earnings to average equity (ytd only) | 0.3401% | 5,037 |
| Net charge-offs to loans | 0.8403% | 1,494 |
| Credit loss provision to net charge-offs | 103.5237% | 5,168 |
| Earnings coverage of net charge-offs (x) | 0.9526% | 5,657 |
| Efficiency ratio | 85.6252% | 1,894 |
| Assets per employee ($millions) | 2.5499% | 7,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 4,124 |
| Loan loss allowance to noncurrent loans | 152.5510% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 2.4110% | 2,015 |
| Noncurrent loans to loans | 0.8202% | 5,000 |
| Net loans and leases to total assets | 77.1204% | 2,345 |
| Net loans and leases to deposits | 86.3646% | 4,063 |
| Net loans and leases to core deposits | 117.3663% | 2,965 |
| Total domestic deposits to total assets | 89.2963% | 923 |
| Equity capital to assets | 7.0484% | 7,711 |
| Core capital (leverage) ratio | 7.1852% | 7,535 |
| Tier 1 risk-based capital ratio | 9.6471% | 7,149 |
| Total risk-based capital ratio | 10.8972% | 7,041 |
| Memoranda: | ||
| Average total assets | $126,519,000 | 4,363 |
| Average earning assets | $114,969,000 | 4,388 |
| Average equity | $8,819,800 | 5,799 |
| Average total loans | $97,939,200 | 4,007 |