Home > BankGreenville > Performance and Condition Ratios
BankGreenville, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 5,707 |
| Cost of funding earning assets | 1.0744% | 376 |
| Net interest margin | 2.4204% | 6,536 |
| Noninterest income to average assets | 0.0763% | 6,600 |
| Noninterest expense to average assets | 2.0667% | 5,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1414% | 6,039 |
| Return on assets (ROA) | 0.2345% | 5,936 |
| Pretax return on assets | 0.3908% | 5,658 |
| Return on Equity (ROE) | 2.5136% | 5,789 |
| Retained earnings to average equity (ytd only) | 2.5136% | 4,695 |
| Net charge-offs to loans | -0.1270% | 6,564 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3868% | 1,092 |
| Assets per employee ($millions) | 11.6783% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8217% | 2,359 |
| Loan loss allowance to noncurrent loans | 78.5481% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 3.8400% | 941 |
| Noncurrent loans to loans | 2.3192% | 2,038 |
| Net loans and leases to total assets | 49.3801% | 5,179 |
| Net loans and leases to deposits | 57.4393% | 5,207 |
| Net loans and leases to core deposits | 67.4784% | 4,550 |
| Total domestic deposits to total assets | 85.9693% | 3,386 |
| Equity capital to assets | 9.2317% | 4,948 |
| Core capital (leverage) ratio | 9.6901% | 3,949 |
| Tier 1 risk-based capital ratio | 16.2091% | 3,081 |
| Total risk-based capital ratio | 17.4585% | 3,032 |
| Memoranda: | ||
| Average total assets | $110,029,330 | 4,567 |
| Average earning assets | $101,636,670 | 4,526 |
| Average equity | $10,264,000 | 4,882 |
| Average total loans | $55,139,000 | 4,850 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3229% | 6,109 |
| Cost of funding earning assets | 1.1012% | 371 |
| Net interest margin | 2.2217% | 6,745 |
| Noninterest income to average assets | 0.0747% | 6,660 |
| Noninterest expense to average assets | 1.7317% | 6,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3778% | 5,220 |
| Return on assets (ROA) | 0.3983% | 5,283 |
| Pretax return on assets | 0.4160% | 5,517 |
| Return on Equity (ROE) | 4.2487% | 4,974 |
| Retained earnings to average equity (ytd only) | 4.2487% | 3,682 |
| Net charge-offs to loans | -0.2417% | 6,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4381% | 2,124 |
| Assets per employee ($millions) | 11.1223% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 2,752 |
| Loan loss allowance to noncurrent loans | 46.2722% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 4.4550% | 838 |
| Noncurrent loans to loans | 3.8161% | 1,206 |
| Net loans and leases to total assets | 48.1168% | 5,212 |
| Net loans and leases to deposits | 57.3970% | 5,100 |
| Net loans and leases to core deposits | 67.0278% | 4,412 |
| Total domestic deposits to total assets | 83.8316% | 4,547 |
| Equity capital to assets | 9.5214% | 4,822 |
| Core capital (leverage) ratio | 9.3079% | 4,385 |
| Tier 1 risk-based capital ratio | 15.8792% | 3,335 |
| Total risk-based capital ratio | 17.1327% | 3,298 |
| Memoranda: | ||
| Average total assets | $112,491,500 | 4,564 |
| Average earning assets | $103,886,000 | 4,520 |
| Average equity | $10,544,500 | 4,874 |
| Average total loans | $56,276,500 | 4,847 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5348% | 6,318 |
| Cost of funding earning assets | 1.2439% | 474 |
| Net interest margin | 2.2908% | 6,842 |
| Noninterest income to average assets | 0.0660% | 6,633 |
| Noninterest expense to average assets | 1.8107% | 6,610 |
| Loan and lease loss provision to assets | 0.6713% | 788 |
| Net operating income to assets | -0.2695% | 6,418 |
| Return on assets (ROA) | 0.1295% | 6,093 |
| Pretax return on assets | 0.1354% | 6,092 |
| Return on Equity (ROE) | 1.4649% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.3021% | 5,217 |
| Net charge-offs to loans | 1.4537% | 625 |
| Credit loss provision to net charge-offs | 92.3166% | 3,377 |
| Earnings coverage of net charge-offs (x) | 0.5378% | 5,216 |
| Efficiency ratio | 82.2376% | 1,834 |
| Assets per employee ($millions) | 8.7508% | 358 |
| Cash dividends to net income (ytd only)* | 11.1111% | 4,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 3,322 |
| Loan loss allowance to noncurrent loans | 36.8400% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 4.3082% | 973 |
| Noncurrent loans to loans | 4.3376% | 1,011 |
| Net loans and leases to total assets | 50.2338% | 5,140 |
| Net loans and leases to deposits | 59.6632% | 5,061 |
| Net loans and leases to core deposits | 70.6841% | 4,206 |
| Total domestic deposits to total assets | 84.1957% | 4,225 |
| Equity capital to assets | 9.2291% | 5,238 |
| Core capital (leverage) ratio | 8.9797% | 4,929 |
| Tier 1 risk-based capital ratio | 15.0460% | 3,690 |
| Total risk-based capital ratio | 16.2980% | 3,641 |
| Memoranda: | ||
| Average total assets | $118,134,000 | 4,397 |
| Average earning assets | $110,134,600 | 4,336 |
| Average equity | $10,444,400 | 4,880 |
| Average total loans | $59,089,000 | 4,748 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 6,467 |
| Cost of funding earning assets | 1.2623% | 528 |
| Net interest margin | 2.2723% | 6,953 |
| Noninterest income to average assets | 0.1252% | 6,512 |
| Noninterest expense to average assets | 1.7658% | 6,717 |
| Loan and lease loss provision to assets | 0.6083% | 896 |
| Net operating income to assets | -0.1167% | 6,419 |
| Return on assets (ROA) | 0.1096% | 6,250 |
| Pretax return on assets | 0.1152% | 6,250 |
| Return on Equity (ROE) | 1.2526% | 6,202 |
| Retained earnings to average equity (ytd only) | 1.2526% | 5,671 |
| Net charge-offs to loans | 1.5256% | 558 |
| Credit loss provision to net charge-offs | 80.1178% | 3,611 |
| Earnings coverage of net charge-offs (x) | 0.6392% | 5,001 |
| Efficiency ratio | 78.4401% | 2,330 |
| Assets per employee ($millions) | 10.1568% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 3,964 |
| Loan loss allowance to noncurrent loans | 59.5288% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 3.5067% | 1,427 |
| Noncurrent loans to loans | 2.5151% | 2,275 |
| Net loans and leases to total assets | 46.3678% | 5,728 |
| Net loans and leases to deposits | 54.5055% | 5,763 |
| Net loans and leases to core deposits | 63.2431% | 5,242 |
| Total domestic deposits to total assets | 85.0700% | 3,712 |
| Equity capital to assets | 8.7453% | 6,072 |
| Core capital (leverage) ratio | 8.8355% | 5,289 |
| Tier 1 risk-based capital ratio | 15.4256% | 3,583 |
| Total risk-based capital ratio | 16.6762% | 3,534 |
| Memoranda: | ||
| Average total assets | $119,227,500 | 4,416 |
| Average earning assets | $111,542,750 | 4,347 |
| Average equity | $10,430,750 | 4,932 |
| Average total loans | $59,342,750 | 4,787 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 6,482 |
| Cost of funding earning assets | 1.3024% | 526 |
| Net interest margin | 2.2999% | 7,008 |
| Noninterest income to average assets | 0.2079% | 6,073 |
| Noninterest expense to average assets | 1.9165% | 6,568 |
| Loan and lease loss provision to assets | 0.6659% | 853 |
| Net operating income to assets | -0.1515% | 6,489 |
| Return on assets (ROA) | 0.0152% | 6,439 |
| Pretax return on assets | 0.0220% | 6,421 |
| Return on Equity (ROE) | 0.1738% | 6,435 |
| Retained earnings to average equity (ytd only) | 0.1738% | 5,985 |
| Net charge-offs to loans | 2.2634% | 333 |
| Credit loss provision to net charge-offs | 58.0265% | 3,854 |
| Earnings coverage of net charge-offs (x) | 0.3888% | 4,885 |
| Efficiency ratio | 81.1159% | 2,011 |
| Assets per employee ($millions) | 8.9567% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 5,378 |
| Loan loss allowance to noncurrent loans | 49.0318% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 3.7462% | 1,388 |
| Noncurrent loans to loans | 2.4377% | 2,467 |
| Net loans and leases to total assets | 50.3345% | 5,316 |
| Net loans and leases to deposits | 60.7135% | 5,169 |
| Net loans and leases to core deposits | 71.5569% | 4,347 |
| Total domestic deposits to total assets | 82.9049% | 4,790 |
| Equity capital to assets | 8.9645% | 5,736 |
| Core capital (leverage) ratio | 8.6526% | 5,446 |
| Tier 1 risk-based capital ratio | 15.0591% | 3,731 |
| Total risk-based capital ratio | 16.1125% | 3,812 |
| Memoranda: | ||
| Average total assets | $118,342,670 | 4,459 |
| Average earning assets | $110,876,330 | 4,386 |
| Average equity | $10,354,670 | 4,952 |
| Average total loans | $59,999,330 | 4,792 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6126% | 6,562 |
| Cost of funding earning assets | 1.3360% | 543 |
| Net interest margin | 2.2766% | 7,067 |
| Noninterest income to average assets | 0.3018% | 5,461 |
| Noninterest expense to average assets | 2.0990% | 6,275 |
| Loan and lease loss provision to assets | 0.3118% | 2,012 |
| Net operating income to assets | 0.0335% | 6,362 |
| Return on assets (ROA) | 0.1039% | 6,358 |
| Pretax return on assets | 0.1039% | 6,379 |
| Return on Equity (ROE) | 1.2024% | 6,308 |
| Retained earnings to average equity (ytd only) | 1.2024% | 5,609 |
| Net charge-offs to loans | 0.6298% | 1,536 |
| Credit loss provision to net charge-offs | 97.8947% | 2,407 |
| Earnings coverage of net charge-offs (x) | 1.0842% | 3,791 |
| Efficiency ratio | 85.8711% | 1,499 |
| Assets per employee ($millions) | 9.8361% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 3,605 |
| Loan loss allowance to noncurrent loans | 34.8437% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 3.3889% | 1,700 |
| Noncurrent loans to loans | 4.6880% | 1,214 |
| Net loans and leases to total assets | 50.6104% | 5,218 |
| Net loans and leases to deposits | 60.8667% | 5,060 |
| Net loans and leases to core deposits | 71.4840% | 4,228 |
| Total domestic deposits to total assets | 83.1496% | 4,865 |
| Equity capital to assets | 8.7967% | 5,753 |
| Core capital (leverage) ratio | 8.5190% | 5,564 |
| Tier 1 risk-based capital ratio | 15.1688% | 3,644 |
| Total risk-based capital ratio | 16.4188% | 3,603 |
| Memoranda: | ||
| Average total assets | $119,295,500 | 4,466 |
| Average earning assets | $112,273,500 | 4,372 |
| Average equity | $10,313,000 | 4,970 |
| Average total loans | $60,340,500 | 4,803 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 6,589 |
| Cost of funding earning assets | 1.6126% | 455 |
| Net interest margin | 2.3048% | 7,143 |
| Noninterest income to average assets | 0.1423% | 6,438 |
| Noninterest expense to average assets | 2.3104% | 6,015 |
| Loan and lease loss provision to assets | 0.5973% | 1,732 |
| Net operating income to assets | -0.6159% | 6,559 |
| Return on assets (ROA) | -0.0610% | 6,206 |
| Pretax return on assets | -0.0610% | 6,180 |
| Return on Equity (ROE) | -0.7086% | 6,218 |
| Retained earnings to average equity (ytd only) | -0.7086% | 5,961 |
| Net charge-offs to loans | 0.9695% | 1,776 |
| Credit loss provision to net charge-offs | 122.1837% | 2,591 |
| Earnings coverage of net charge-offs (x) | -0.0381% | 5,853 |
| Efficiency ratio | 100.8133% | 645 |
| Assets per employee ($millions) | 8.6113% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 3,341 |
| Loan loss allowance to noncurrent loans | 33.7865% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 3.5435% | 1,670 |
| Noncurrent loans to loans | 4.9073% | 1,163 |
| Net loans and leases to total assets | 48.9043% | 5,724 |
| Net loans and leases to deposits | 58.5232% | 5,651 |
| Net loans and leases to core deposits | 68.5997% | 4,953 |
| Total domestic deposits to total assets | 83.5639% | 4,508 |
| Equity capital to assets | 8.4963% | 6,151 |
| Core capital (leverage) ratio | 8.2995% | 5,857 |
| Tier 1 risk-based capital ratio | 15.1929% | 3,518 |
| Total risk-based capital ratio | 16.4456% | 3,482 |
| Memoranda: | ||
| Average total assets | $118,034,000 | 4,459 |
| Average earning assets | $110,073,800 | 4,393 |
| Average equity | $10,160,800 | 4,975 |
| Average total loans | $59,515,400 | 4,878 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 6,553 |
| Cost of funding earning assets | 1.6595% | 461 |
| Net interest margin | 2.3587% | 7,195 |
| Noninterest income to average assets | 0.2737% | 5,657 |
| Noninterest expense to average assets | 2.4019% | 5,760 |
| Loan and lease loss provision to assets | 0.3918% | 2,507 |
| Net operating income to assets | -0.2987% | 6,491 |
| Return on assets (ROA) | 0.0534% | 6,172 |
| Pretax return on assets | 0.0579% | 6,148 |
| Return on Equity (ROE) | 0.6180% | 6,150 |
| Retained earnings to average equity (ytd only) | 0.6180% | 5,771 |
| Net charge-offs to loans | 0.7294% | 2,100 |
| Credit loss provision to net charge-offs | 106.1538% | 3,121 |
| Earnings coverage of net charge-offs (x) | 0.1815% | 5,461 |
| Efficiency ratio | 97.2861% | 759 |
| Assets per employee ($millions) | 8.6222% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 4,151 |
| Loan loss allowance to noncurrent loans | 26.3455% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 3.7163% | 1,682 |
| Noncurrent loans to loans | 5.6561% | 1,030 |
| Net loans and leases to total assets | 48.5225% | 5,889 |
| Net loans and leases to deposits | 58.3352% | 5,812 |
| Net loans and leases to core deposits | 68.4204% | 5,130 |
| Total domestic deposits to total assets | 83.1788% | 4,613 |
| Equity capital to assets | 8.8103% | 5,970 |
| Core capital (leverage) ratio | 8.6797% | 5,443 |
| Tier 1 risk-based capital ratio | 15.7121% | 3,270 |
| Total risk-based capital ratio | 16.9634% | 3,234 |
| Memoranda: | ||
| Average total assets | $117,403,000 | 4,495 |
| Average earning assets | $109,268,000 | 4,442 |
| Average equity | $10,140,250 | 5,000 |
| Average total loans | $59,406,250 | 4,927 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1255% | 6,430 |
| Cost of funding earning assets | 1.6884% | 486 |
| Net interest margin | 2.4371% | 7,219 |
| Noninterest income to average assets | 0.1427% | 6,609 |
| Noninterest expense to average assets | 1.9742% | 6,843 |
| Loan and lease loss provision to assets | 0.4557% | 2,144 |
| Net operating income to assets | -0.0226% | 6,263 |
| Return on assets (ROA) | 0.0447% | 6,212 |
| Pretax return on assets | 0.0516% | 6,185 |
| Return on Equity (ROE) | 0.5213% | 6,186 |
| Retained earnings to average equity (ytd only) | 0.5213% | 5,645 |
| Net charge-offs to loans | 1.0945% | 1,441 |
| Credit loss provision to net charge-offs | 81.5385% | 3,722 |
| Earnings coverage of net charge-offs (x) | 0.7692% | 4,725 |
| Efficiency ratio | 82.1173% | 2,085 |
| Assets per employee ($millions) | 9.0402% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 4,973 |
| Loan loss allowance to noncurrent loans | 78.4810% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 2.6582% | 2,510 |
| Noncurrent loans to loans | 1.6810% | 3,905 |
| Net loans and leases to total assets | 51.3002% | 5,657 |
| Net loans and leases to deposits | 61.6231% | 5,546 |
| Net loans and leases to core deposits | 72.1178% | 4,803 |
| Total domestic deposits to total assets | 83.2482% | 4,653 |
| Equity capital to assets | 8.6826% | 5,964 |
| Core capital (leverage) ratio | 8.7574% | 5,123 |
| Tier 1 risk-based capital ratio | 14.9307% | 3,527 |
| Total risk-based capital ratio | 16.1076% | 3,544 |
| Memoranda: | ||
| Average total assets | $116,300,330 | 4,552 |
| Average earning assets | $107,913,000 | 4,511 |
| Average equity | $9,975,330 | 5,055 |
| Average total loans | $59,389,000 | 4,983 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 6,597 |
| Cost of funding earning assets | 1.6845% | 592 |
| Net interest margin | 2.3681% | 7,269 |
| Noninterest income to average assets | 0.2040% | 6,265 |
| Noninterest expense to average assets | 1.7979% | 7,145 |
| Loan and lease loss provision to assets | 0.6120% | 1,400 |
| Net operating income to assets | -0.0138% | 6,370 |
| Return on assets (ROA) | 0.0207% | 6,340 |
| Pretax return on assets | 0.0207% | 6,326 |
| Return on Equity (ROE) | 0.2434% | 6,327 |
| Retained earnings to average equity (ytd only) | 0.2434% | 5,713 |
| Net charge-offs to loans | 2.3302% | 516 |
| Credit loss provision to net charge-offs | 51.9062% | 3,714 |
| Earnings coverage of net charge-offs (x) | 0.5073% | 4,237 |
| Efficiency ratio | 75.0361% | 3,327 |
| Assets per employee ($millions) | 8.8432% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 5,655 |
| Loan loss allowance to noncurrent loans | 62.2340% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 2.8923% | 2,385 |
| Noncurrent loans to loans | 1.9223% | 3,670 |
| Net loans and leases to total assets | 50.4328% | 5,791 |
| Net loans and leases to deposits | 60.6097% | 5,662 |
| Net loans and leases to core deposits | 72.2629% | 4,752 |
| Total domestic deposits to total assets | 83.2091% | 4,848 |
| Equity capital to assets | 8.5098% | 5,891 |
| Core capital (leverage) ratio | 8.9396% | 4,712 |
| Tier 1 risk-based capital ratio | 15.1929% | 3,324 |
| Total risk-based capital ratio | 16.2381% | 3,394 |
| Memoranda: | ||
| Average total assets | $115,689,500 | 4,596 |
| Average earning assets | $107,091,500 | 4,555 |
| Average equity | $9,861,000 | 5,077 |
| Average total loans | $58,536,000 | 5,065 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 6,733 |
| Cost of funding earning assets | 2.0280% | 547 |
| Net interest margin | 2.3017% | 7,368 |
| Noninterest income to average assets | 0.0811% | 6,983 |
| Noninterest expense to average assets | 2.0374% | 6,965 |
| Loan and lease loss provision to assets | 0.6949% | 2,362 |
| Net operating income to assets | -0.5301% | 6,404 |
| Return on assets (ROA) | 0.0100% | 5,943 |
| Pretax return on assets | 0.0100% | 5,881 |
| Return on Equity (ROE) | 0.1064% | 5,938 |
| Retained earnings to average equity (ytd only) | 0.1064% | 5,530 |
| Net charge-offs to loans | 1.2155% | 1,842 |
| Credit loss provision to net charge-offs | 105.2414% | 4,261 |
| Earnings coverage of net charge-offs (x) | 0.2497% | 5,862 |
| Efficiency ratio | 92.5145% | 1,147 |
| Assets per employee ($millions) | 8.9552% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 4,108 |
| Loan loss allowance to noncurrent loans | 69.8951% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 2.9514% | 2,382 |
| Noncurrent loans to loans | 2.1219% | 3,407 |
| Net loans and leases to total assets | 49.4133% | 6,224 |
| Net loans and leases to deposits | 59.3327% | 6,121 |
| Net loans and leases to core deposits | 72.0245% | 5,209 |
| Total domestic deposits to total assets | 83.2818% | 4,682 |
| Equity capital to assets | 8.5373% | 5,805 |
| Core capital (leverage) ratio | 8.8333% | 4,805 |
| Tier 1 risk-based capital ratio | 15.2410% | 3,134 |
| Total risk-based capital ratio | 16.4918% | 3,082 |
| Memoranda: | ||
| Average total assets | $109,795,200 | 4,718 |
| Average earning assets | $101,184,000 | 4,695 |
| Average equity | $10,341,800 | 5,027 |
| Average total loans | $59,648,200 | 5,085 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 6,819 |
| Cost of funding earning assets | 2.0661% | 600 |
| Net interest margin | 2.3340% | 7,468 |
| Noninterest income to average assets | 0.0838% | 7,115 |
| Noninterest expense to average assets | 1.8482% | 7,273 |
| Loan and lease loss provision to assets | 0.6781% | 2,250 |
| Net operating income to assets | -0.2947% | 6,423 |
| Return on assets (ROA) | 0.1541% | 5,788 |
| Pretax return on assets | 0.1541% | 5,827 |
| Return on Equity (ROE) | 1.5960% | 5,737 |
| Retained earnings to average equity (ytd only) | 1.5960% | 5,155 |
| Net charge-offs to loans | 0.7115% | 2,642 |
| Credit loss provision to net charge-offs | 171.8750% | 2,153 |
| Earnings coverage of net charge-offs (x) | 0.9719% | 5,090 |
| Efficiency ratio | 82.8177% | 1,970 |
| Assets per employee ($millions) | 8.6612% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7593% | 2,940 |
| Loan loss allowance to noncurrent loans | 54.0900% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.8855% | 2,518 |
| Noncurrent loans to loans | 3.2525% | 2,438 |
| Net loans and leases to total assets | 52.4708% | 6,048 |
| Net loans and leases to deposits | 66.0562% | 5,662 |
| Net loans and leases to core deposits | 80.7644% | 4,413 |
| Total domestic deposits to total assets | 79.4336% | 5,888 |
| Equity capital to assets | 9.7170% | 4,521 |
| Core capital (leverage) ratio | 9.1974% | 4,375 |
| Tier 1 risk-based capital ratio | 14.3065% | 3,628 |
| Total risk-based capital ratio | 15.5594% | 3,585 |
| Memoranda: | ||
| Average total assets | $108,139,500 | 4,835 |
| Average earning assets | $99,510,750 | 4,798 |
| Average equity | $10,442,500 | 5,075 |
| Average total loans | $59,962,250 | 5,148 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 6,851 |
| Cost of funding earning assets | 2.0832% | 704 |
| Net interest margin | 2.3395% | 7,516 |
| Noninterest income to average assets | 0.0844% | 7,159 |
| Noninterest expense to average assets | 1.8583% | 7,317 |
| Loan and lease loss provision to assets | 0.6094% | 2,358 |
| Net operating income to assets | -0.2438% | 6,407 |
| Return on assets (ROA) | 0.0281% | 6,137 |
| Pretax return on assets | 0.0281% | 6,106 |
| Return on Equity (ROE) | 0.2919% | 6,133 |
| Retained earnings to average equity (ytd only) | 0.2919% | 5,640 |
| Net charge-offs to loans | 1.0317% | 1,812 |
| Credit loss provision to net charge-offs | 105.1780% | 3,873 |
| Earnings coverage of net charge-offs (x) | 0.6311% | 5,107 |
| Efficiency ratio | 83.5582% | 1,974 |
| Assets per employee ($millions) | 8.7635% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 4,472 |
| Loan loss allowance to noncurrent loans | 31.7532% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 3.4953% | 2,008 |
| Noncurrent loans to loans | 4.3765% | 1,683 |
| Net loans and leases to total assets | 52.5697% | 6,155 |
| Net loans and leases to deposits | 65.7648% | 5,833 |
| Net loans and leases to core deposits | 87.4587% | 3,628 |
| Total domestic deposits to total assets | 79.9359% | 5,748 |
| Equity capital to assets | 9.3289% | 4,964 |
| Core capital (leverage) ratio | 9.3405% | 4,057 |
| Tier 1 risk-based capital ratio | 14.0901% | 3,668 |
| Total risk-based capital ratio | 15.2586% | 3,691 |
| Memoranda: | ||
| Average total assets | $106,654,000 | 4,896 |
| Average earning assets | $97,541,330 | 4,887 |
| Average equity | $10,276,330 | 5,123 |
| Average total loans | $59,903,670 | 5,179 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 6,736 |
| Cost of funding earning assets | 2.0722% | 881 |
| Net interest margin | 2.4559% | 7,505 |
| Noninterest income to average assets | 0.1048% | 7,182 |
| Noninterest expense to average assets | 1.8715% | 7,380 |
| Loan and lease loss provision to assets | 0.6911% | 1,843 |
| Net operating income to assets | -0.2213% | 6,572 |
| Return on assets (ROA) | 0.0233% | 6,346 |
| Pretax return on assets | 0.0233% | 6,310 |
| Return on Equity (ROE) | 0.2376% | 6,340 |
| Retained earnings to average equity (ytd only) | 0.2376% | 5,730 |
| Net charge-offs to loans | 1.1296% | 1,490 |
| Credit loss provision to net charge-offs | 105.9524% | 3,243 |
| Earnings coverage of net charge-offs (x) | 0.7202% | 4,383 |
| Efficiency ratio | 79.9337% | 2,573 |
| Assets per employee ($millions) | 7.8500% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 4,446 |
| Loan loss allowance to noncurrent loans | 28.6692% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 5.0603% | 1,262 |
| Noncurrent loans to loans | 4.8659% | 1,502 |
| Net loans and leases to total assets | 58.0431% | 5,431 |
| Net loans and leases to deposits | 71.9057% | 5,066 |
| Net loans and leases to core deposits | 96.0094% | 2,592 |
| Total domestic deposits to total assets | 80.7212% | 5,552 |
| Equity capital to assets | 9.9539% | 3,926 |
| Core capital (leverage) ratio | 10.0612% | 3,086 |
| Tier 1 risk-based capital ratio | 14.1841% | 3,539 |
| Total risk-based capital ratio | 15.3547% | 3,553 |
| Memoranda: | ||
| Average total assets | $103,018,500 | 5,063 |
| Average earning assets | $93,814,500 | 5,054 |
| Average equity | $10,100,500 | 5,211 |
| Average total loans | $59,488,500 | 5,272 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 6,672 |
| Cost of funding earning assets | 2.5090% | 1,008 |
| Net interest margin | 2.4076% | 7,507 |
| Noninterest income to average assets | 0.1323% | 7,093 |
| Noninterest expense to average assets | 2.1140% | 7,154 |
| Loan and lease loss provision to assets | 0.9188% | 2,443 |
| Net operating income to assets | -0.6902% | 6,359 |
| Return on assets (ROA) | -0.4224% | 6,100 |
| Pretax return on assets | -0.4224% | 5,942 |
| Return on Equity (ROE) | -3.9444% | 6,103 |
| Retained earnings to average equity (ytd only) | -3.9444% | 5,854 |
| Net charge-offs to loans | 1.2162% | 2,023 |
| Credit loss provision to net charge-offs | 123.2955% | 4,280 |
| Earnings coverage of net charge-offs (x) | 0.3068% | 5,812 |
| Efficiency ratio | 90.2395% | 1,687 |
| Assets per employee ($millions) | 7.9990% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 4,198 |
| Loan loss allowance to noncurrent loans | 30.1455% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 4.6890% | 1,357 |
| Noncurrent loans to loans | 4.6685% | 1,508 |
| Net loans and leases to total assets | 55.8503% | 5,969 |
| Net loans and leases to deposits | 71.7106% | 5,367 |
| Net loans and leases to core deposits | 97.6560% | 4,263 |
| Total domestic deposits to total assets | 77.8828% | 6,250 |
| Equity capital to assets | 9.6579% | 4,202 |
| Core capital (leverage) ratio | 9.9669% | 3,126 |
| Tier 1 risk-based capital ratio | 14.1177% | 3,431 |
| Total risk-based capital ratio | 15.2726% | 3,437 |
| Memoranda: | ||
| Average total assets | $94,466,000 | 5,256 |
| Average earning assets | $86,727,000 | 5,236 |
| Average equity | $10,115,600 | 5,267 |
| Average total loans | $57,885,800 | 5,343 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9934% | 6,622 |
| Cost of funding earning assets | 2.5918% | 1,053 |
| Net interest margin | 2.4016% | 7,564 |
| Noninterest income to average assets | 0.1506% | 7,105 |
| Noninterest expense to average assets | 2.1747% | 7,037 |
| Loan and lease loss provision to assets | 0.6197% | 2,915 |
| Net operating income to assets | -0.4315% | 6,359 |
| Return on assets (ROA) | -0.1824% | 6,043 |
| Pretax return on assets | -0.1824% | 5,952 |
| Return on Equity (ROE) | -1.6578% | 6,046 |
| Retained earnings to average equity (ytd only) | -1.6578% | 5,647 |
| Net charge-offs to loans | 0.5830% | 2,928 |
| Credit loss provision to net charge-offs | 169.8413% | 2,744 |
| Earnings coverage of net charge-offs (x) | 0.5159% | 5,513 |
| Efficiency ratio | 92.0343% | 1,540 |
| Assets per employee ($millions) | 7.8586% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 3,893 |
| Loan loss allowance to noncurrent loans | 35.6054% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 4.3774% | 1,409 |
| Noncurrent loans to loans | 3.9566% | 1,859 |
| Net loans and leases to total assets | 57.6114% | 5,951 |
| Net loans and leases to deposits | 74.9198% | 5,224 |
| Net loans and leases to core deposits | 96.1637% | 4,797 |
| Total domestic deposits to total assets | 76.8975% | 6,363 |
| Equity capital to assets | 10.3757% | 3,649 |
| Core capital (leverage) ratio | 10.6449% | 2,671 |
| Tier 1 risk-based capital ratio | 14.3778% | 3,339 |
| Total risk-based capital ratio | 15.5410% | 3,338 |
| Memoranda: | ||
| Average total assets | $92,085,750 | 5,363 |
| Average earning assets | $84,830,250 | 5,347 |
| Average equity | $10,133,750 | 5,302 |
| Average total loans | $57,630,750 | 5,395 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1211% | 6,348 |
| Cost of funding earning assets | 2.6389% | 1,186 |
| Net interest margin | 2.4821% | 7,501 |
| Noninterest income to average assets | 0.1465% | 7,217 |
| Noninterest expense to average assets | 2.2586% | 6,893 |
| Loan and lease loss provision to assets | 0.7957% | 2,100 |
| Net operating income to assets | -0.6244% | 6,681 |
| Return on assets (ROA) | -0.3021% | 6,341 |
| Pretax return on assets | -0.3021% | 6,239 |
| Return on Equity (ROE) | -2.6858% | 6,325 |
| Retained earnings to average equity (ytd only) | -2.6858% | 5,908 |
| Net charge-offs to loans | 0.8711% | 1,954 |
| Credit loss provision to net charge-offs | 142.3387% | 3,269 |
| Earnings coverage of net charge-offs (x) | 0.3065% | 5,367 |
| Efficiency ratio | 92.9499% | 1,569 |
| Assets per employee ($millions) | 7.8377% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 4,300 |
| Loan loss allowance to noncurrent loans | 65.9247% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 2.3689% | 2,739 |
| Noncurrent loans to loans | 1.9647% | 3,570 |
| Net loans and leases to total assets | 62.3910% | 5,283 |
| Net loans and leases to deposits | 84.7609% | 3,757 |
| Net loans and leases to core deposits | 106.4335% | 3,787 |
| Total domestic deposits to total assets | 73.6082% | 7,020 |
| Equity capital to assets | 10.5771% | 3,317 |
| Core capital (leverage) ratio | 11.2374% | 2,239 |
| Tier 1 risk-based capital ratio | 14.4713% | 3,270 |
| Total risk-based capital ratio | 15.5455% | 3,291 |
| Memoranda: | ||
| Average total assets | $88,727,000 | 5,504 |
| Average earning assets | $81,623,670 | 5,482 |
| Average equity | $9,978,330 | 5,363 |
| Average total loans | $56,941,670 | 5,470 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2395% | 6,165 |
| Cost of funding earning assets | 2.6477% | 1,419 |
| Net interest margin | 2.5917% | 7,379 |
| Noninterest income to average assets | 0.1441% | 7,265 |
| Noninterest expense to average assets | 2.2402% | 6,723 |
| Loan and lease loss provision to assets | 0.3346% | 3,315 |
| Net operating income to assets | -0.0651% | 6,352 |
| Return on assets (ROA) | 0.1952% | 5,845 |
| Pretax return on assets | 0.1952% | 5,948 |
| Return on Equity (ROE) | 1.6811% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.6811% | 4,904 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2593% | 1,781 |
| Assets per employee ($millions) | 6.8851% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 4,084 |
| Loan loss allowance to noncurrent loans | 60.2124% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.3675% | 3,926 |
| Noncurrent loans to loans | 2.1582% | 3,042 |
| Net loans and leases to total assets | 62.5411% | 5,229 |
| Net loans and leases to deposits | 87.1687% | 3,438 |
| Net loans and leases to core deposits | 107.7432% | 3,717 |
| Total domestic deposits to total assets | 71.7471% | 7,247 |
| Equity capital to assets | 11.6584% | 2,475 |
| Core capital (leverage) ratio | 12.4694% | 1,700 |
| Tier 1 risk-based capital ratio | 15.7658% | 2,766 |
| Total risk-based capital ratio | 16.8702% | 2,746 |
| Memoranda: | ||
| Average total assets | $86,064,500 | 5,601 |
| Average earning assets | $78,557,500 | 5,603 |
| Average equity | $9,993,500 | 5,386 |
| Average total loans | $55,687,500 | 5,555 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9970% | 5,563 |
| Cost of funding earning assets | 3.2531% | 1,038 |
| Net interest margin | 2.7439% | 7,420 |
| Noninterest income to average assets | 0.0932% | 7,665 |
| Noninterest expense to average assets | 2.5451% | 5,838 |
| Loan and lease loss provision to assets | 0.3046% | 3,938 |
| Net operating income to assets | -0.1933% | 6,616 |
| Return on assets (ROA) | -0.0848% | 6,332 |
| Pretax return on assets | -0.0848% | 6,252 |
| Return on Equity (ROE) | -0.6495% | 6,316 |
| Retained earnings to average equity (ytd only) | -0.6495% | 5,488 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8115% | 1,170 |
| Assets per employee ($millions) | 6.3556% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 4,408 |
| Loan loss allowance to noncurrent loans | 54.3301% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 1.4814% | 3,257 |
| Noncurrent loans to loans | 2.2393% | 2,457 |
| Net loans and leases to total assets | 65.3511% | 4,979 |
| Net loans and leases to deposits | 92.7287% | 3,009 |
| Net loans and leases to core deposits | 184.3273% | 249 |
| Total domestic deposits to total assets | 70.4755% | 7,223 |
| Equity capital to assets | 11.5609% | 2,595 |
| Core capital (leverage) ratio | 11.9079% | 2,017 |
| Tier 1 risk-based capital ratio | 14.8913% | 3,098 |
| Total risk-based capital ratio | 15.9250% | 3,137 |
| Memoranda: | ||
| Average total assets | $71,902,000 | 5,971 |
| Average earning assets | $67,167,400 | 5,924 |
| Average equity | $9,392,200 | 5,607 |
| Average total loans | $46,594,200 | 5,843 |