Home > Citizens South Bank > Performance and Condition Ratios
Citizens South Bank, Performance and Condition Ratios
| 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 | 4.5071% | 3,605 |
| Cost of funding earning assets | 0.7769% | 3,143 |
| Net interest margin | 3.7302% | 3,654 |
| Noninterest income to average assets | 0.2177% | 5,984 |
| Noninterest expense to average assets | 4.6506% | 478 |
| Loan and lease loss provision to assets | 1.2001% | 301 |
| Net operating income to assets | -1.4014% | 6,947 |
| Return on assets (ROA) | -1.3519% | 6,955 |
| Pretax return on assets | -2.2784% | 7,061 |
| Return on Equity (ROE) | -13.9135% | 6,918 |
| Retained earnings to average equity (ytd only) | -13.9135% | 6,889 |
| Net charge-offs to loans | 1.5908% | 525 |
| Credit loss provision to net charge-offs | 107.7466% | 2,731 |
| Earnings coverage of net charge-offs (x) | -1.0376% | 5,575 |
| Efficiency ratio | 131.8142% | 140 |
| Assets per employee ($millions) | 4.5768% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6787% | 3,219 |
| Loan loss allowance to noncurrent loans | 25.9935% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 6.8971% | 527 |
| Noncurrent loans to loans | 6.4580% | 592 |
| Net loans and leases to total assets | 74.1507% | 1,228 |
| Net loans and leases to deposits | 84.1559% | 1,852 |
| Net loans and leases to core deposits | 87.8224% | 2,234 |
| Total domestic deposits to total assets | 88.1111% | 1,978 |
| Equity capital to assets | 9.9734% | 4,530 |
| Core capital (leverage) ratio | 9.8649% | 3,738 |
| Tier 1 risk-based capital ratio | 13.2311% | 5,077 |
| Total risk-based capital ratio | 14.4866% | 5,033 |
| Memoranda: | ||
| Average total assets | $1,033,796,500 | 642 |
| Average earning assets | $908,243,000 | 659 |
| Average equity | $100,446,750 | 711 |
| Average total loans | $723,808,000 | 570 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3765% | 4,273 |
| Cost of funding earning assets | 0.7889% | 3,287 |
| Net interest margin | 3.5876% | 4,315 |
| Noninterest income to average assets | 0.3639% | 4,924 |
| Noninterest expense to average assets | 2.7502% | 4,216 |
| Loan and lease loss provision to assets | 1.6619% | 204 |
| Net operating income to assets | -0.4942% | 6,733 |
| Return on assets (ROA) | -0.4144% | 6,737 |
| Pretax return on assets | -0.7674% | 6,835 |
| Return on Equity (ROE) | -4.2983% | 6,740 |
| Retained earnings to average equity (ytd only) | -4.2983% | 6,575 |
| Net charge-offs to loans | 2.2841% | 321 |
| Credit loss provision to net charge-offs | 106.3280% | 2,560 |
| Earnings coverage of net charge-offs (x) | 0.4926% | 4,828 |
| Efficiency ratio | 76.8981% | 2,615 |
| Assets per employee ($millions) | 4.7362% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 3,487 |
| Loan loss allowance to noncurrent loans | 20.4917% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 7.5217% | 482 |
| Noncurrent loans to loans | 7.9702% | 438 |
| Net loans and leases to total assets | 67.5248% | 2,363 |
| Net loans and leases to deposits | 82.7887% | 2,010 |
| Net loans and leases to core deposits | 87.3648% | 2,268 |
| Total domestic deposits to total assets | 81.5628% | 5,281 |
| Equity capital to assets | 9.7252% | 4,723 |
| Core capital (leverage) ratio | 9.6203% | 3,963 |
| Tier 1 risk-based capital ratio | 14.3343% | 4,221 |
| Total risk-based capital ratio | 15.5895% | 4,177 |
| Memoranda: | ||
| Average total assets | $1,065,649,000 | 625 |
| Average earning assets | $937,511,000 | 642 |
| Average equity | $102,737,670 | 688 |
| Average total loans | $729,214,330 | 564 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 4,197 |
| Cost of funding earning assets | 0.8107% | 3,387 |
| Net interest margin | 3.6199% | 4,180 |
| Noninterest income to average assets | 0.3884% | 4,755 |
| Noninterest expense to average assets | 2.7606% | 4,204 |
| Loan and lease loss provision to assets | 2.3439% | 111 |
| Net operating income to assets | -0.8747% | 6,973 |
| Return on assets (ROA) | -0.7166% | 6,941 |
| Pretax return on assets | -1.2877% | 7,038 |
| Return on Equity (ROE) | -7.4644% | 6,933 |
| Retained earnings to average equity (ytd only) | -7.4644% | 6,733 |
| Net charge-offs to loans | 3.5014% | 187 |
| Credit loss provision to net charge-offs | 97.9782% | 2,406 |
| Earnings coverage of net charge-offs (x) | 0.3383% | 4,196 |
| Efficiency ratio | 76.0604% | 2,780 |
| Assets per employee ($millions) | 4.9608% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 3,804 |
| Loan loss allowance to noncurrent loans | 18.4932% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 7.8425% | 499 |
| Noncurrent loans to loans | 8.5427% | 424 |
| Net loans and leases to total assets | 67.3435% | 2,223 |
| Net loans and leases to deposits | 82.5972% | 1,846 |
| Net loans and leases to core deposits | 87.3972% | 2,126 |
| Total domestic deposits to total assets | 81.5324% | 5,455 |
| Equity capital to assets | 9.5242% | 4,766 |
| Core capital (leverage) ratio | 9.4156% | 4,175 |
| Tier 1 risk-based capital ratio | 14.2458% | 4,279 |
| Total risk-based capital ratio | 15.5006% | 4,253 |
| Memoranda: | ||
| Average total assets | $1,075,123,000 | 616 |
| Average earning assets | $944,900,000 | 637 |
| Average equity | $103,209,500 | 688 |
| Average total loans | $734,562,500 | 557 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5749% | 4,773 |
| Cost of funding earning assets | 1.0776% | 2,822 |
| Net interest margin | 3.4973% | 5,157 |
| Noninterest income to average assets | 0.6975% | 2,613 |
| Noninterest expense to average assets | 2.7107% | 4,706 |
| Loan and lease loss provision to assets | 0.9901% | 960 |
| Net operating income to assets | 0.0879% | 5,892 |
| Return on assets (ROA) | 0.0982% | 5,984 |
| Pretax return on assets | 0.0816% | 5,997 |
| Return on Equity (ROE) | 1.0099% | 5,965 |
| Retained earnings to average equity (ytd only) | -0.2325% | 5,893 |
| Net charge-offs to loans | 1.4703% | 1,094 |
| Credit loss provision to net charge-offs | 98.0635% | 3,662 |
| Earnings coverage of net charge-offs (x) | 1.0513% | 5,002 |
| Efficiency ratio | 70.5397% | 3,837 |
| Assets per employee ($millions) | 4.8591% | 2,368 |
| Cash dividends to net income (ytd only)* | 123.0189% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 3,623 |
| Loan loss allowance to noncurrent loans | 18.6320% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 7.4621% | 594 |
| Noncurrent loans to loans | 8.5422% | 439 |
| Net loans and leases to total assets | 67.1376% | 2,555 |
| Net loans and leases to deposits | 82.4799% | 2,136 |
| Net loans and leases to core deposits | 87.4302% | 2,447 |
| Total domestic deposits to total assets | 81.3987% | 5,325 |
| Equity capital to assets | 9.6749% | 4,642 |
| Core capital (leverage) ratio | 9.4486% | 4,114 |
| Tier 1 risk-based capital ratio | 14.3518% | 4,078 |
| Total risk-based capital ratio | 15.6065% | 4,045 |
| Memoranda: | ||
| Average total assets | $1,079,188,800 | 604 |
| Average earning assets | $948,793,200 | 624 |
| Average equity | $104,962,800 | 656 |
| Average total loans | $741,063,800 | 554 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6337% | 4,727 |
| Cost of funding earning assets | 1.1241% | 2,803 |
| Net interest margin | 3.5096% | 5,149 |
| Noninterest income to average assets | 1.0914% | 1,124 |
| Noninterest expense to average assets | 3.0333% | 3,423 |
| Loan and lease loss provision to assets | 0.7474% | 1,276 |
| Net operating income to assets | 0.2917% | 5,425 |
| Return on assets (ROA) | 0.3017% | 5,561 |
| Pretax return on assets | 0.4121% | 5,429 |
| Return on Equity (ROE) | 3.0976% | 5,374 |
| Retained earnings to average equity (ytd only) | 1.4435% | 5,424 |
| Net charge-offs to loans | 0.8280% | 1,918 |
| Credit loss provision to net charge-offs | 131.2364% | 2,425 |
| Earnings coverage of net charge-offs (x) | 2.0119% | 4,137 |
| Efficiency ratio | 71.3657% | 3,676 |
| Assets per employee ($millions) | 4.9502% | 2,260 |
| Cash dividends to net income (ytd only)* | 53.3987% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7236% | 3,193 |
| Loan loss allowance to noncurrent loans | 22.4934% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 7.1491% | 680 |
| Noncurrent loans to loans | 7.6628% | 602 |
| Net loans and leases to total assets | 67.2197% | 2,634 |
| Net loans and leases to deposits | 82.7860% | 2,210 |
| Net loans and leases to core deposits | 88.0578% | 2,481 |
| Total domestic deposits to total assets | 81.1970% | 5,372 |
| Equity capital to assets | 9.6329% | 4,885 |
| Core capital (leverage) ratio | 9.5273% | 4,110 |
| Tier 1 risk-based capital ratio | 16.0585% | 3,086 |
| Total risk-based capital ratio | 17.3189% | 3,044 |
| Memoranda: | ||
| Average total assets | $1,079,308,000 | 611 |
| Average earning assets | $949,567,750 | 635 |
| Average equity | $105,112,500 | 662 |
| Average total loans | $742,346,250 | 560 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6014% | 4,953 |
| Cost of funding earning assets | 1.1686% | 2,784 |
| Net interest margin | 3.4328% | 5,431 |
| Noninterest income to average assets | 1.3356% | 708 |
| Noninterest expense to average assets | 3.0174% | 3,568 |
| Loan and lease loss provision to assets | 0.8762% | 1,021 |
| Net operating income to assets | 0.3397% | 5,217 |
| Return on assets (ROA) | 0.3399% | 5,349 |
| Pretax return on assets | 0.4719% | 5,169 |
| Return on Equity (ROE) | 3.4769% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.4769% | 4,039 |
| Net charge-offs to loans | 0.9377% | 1,661 |
| Credit loss provision to net charge-offs | 135.6030% | 2,249 |
| Earnings coverage of net charge-offs (x) | 2.0860% | 3,811 |
| Efficiency ratio | 67.9479% | 4,527 |
| Assets per employee ($millions) | 4.8389% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 3,351 |
| Loan loss allowance to noncurrent loans | 23.4680% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 7.0760% | 714 |
| Noncurrent loans to loans | 7.2145% | 696 |
| Net loans and leases to total assets | 66.1838% | 2,993 |
| Net loans and leases to deposits | 81.6219% | 2,504 |
| Net loans and leases to core deposits | 87.7384% | 2,675 |
| Total domestic deposits to total assets | 81.0859% | 5,496 |
| Equity capital to assets | 9.5419% | 4,745 |
| Core capital (leverage) ratio | 9.4230% | 4,073 |
| Tier 1 risk-based capital ratio | 16.0255% | 2,967 |
| Total risk-based capital ratio | 17.2869% | 2,922 |
| Memoranda: | ||
| Average total assets | $1,072,760,330 | 624 |
| Average earning assets | $946,802,000 | 642 |
| Average equity | $104,863,000 | 664 |
| Average total loans | $739,239,000 | 573 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 5,538 |
| Cost of funding earning assets | 1.1930% | 2,864 |
| Net interest margin | 3.2519% | 5,915 |
| Noninterest income to average assets | 0.5732% | 3,352 |
| Noninterest expense to average assets | 2.8279% | 4,340 |
| Loan and lease loss provision to assets | 1.1426% | 627 |
| Net operating income to assets | -0.2624% | 6,618 |
| Return on assets (ROA) | -0.2624% | 6,635 |
| Pretax return on assets | -0.5069% | 6,753 |
| Return on Equity (ROE) | -2.6509% | 6,639 |
| Retained earnings to average equity (ytd only) | -2.6509% | 6,246 |
| Net charge-offs to loans | 1.3656% | 1,012 |
| Credit loss provision to net charge-offs | 119.9520% | 2,279 |
| Earnings coverage of net charge-offs (x) | 0.6673% | 4,125 |
| Efficiency ratio | 80.1188% | 2,508 |
| Assets per employee ($millions) | 4.7236% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 3,510 |
| Loan loss allowance to noncurrent loans | 24.4278% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 6.3253% | 889 |
| Noncurrent loans to loans | 6.7735% | 841 |
| Net loans and leases to total assets | 68.6691% | 2,408 |
| Net loans and leases to deposits | 85.4612% | 1,806 |
| Net loans and leases to core deposits | 92.6839% | 2,051 |
| Total domestic deposits to total assets | 80.3512% | 5,850 |
| Equity capital to assets | 9.9729% | 3,809 |
| Core capital (leverage) ratio | 9.8914% | 3,278 |
| Tier 1 risk-based capital ratio | 15.4381% | 3,184 |
| Total risk-based capital ratio | 16.6985% | 3,134 |
| Memoranda: | ||
| Average total assets | $1,050,251,000 | 644 |
| Average earning assets | $933,484,000 | 651 |
| Average equity | $103,966,000 | 665 |
| Average total loans | $732,593,500 | 582 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 5,681 |
| Cost of funding earning assets | 1.4934% | 2,688 |
| Net interest margin | 3.2379% | 6,169 |
| Noninterest income to average assets | 2.5402% | 279 |
| Noninterest expense to average assets | 2.6231% | 5,322 |
| Loan and lease loss provision to assets | 1.3641% | 1,109 |
| Net operating income to assets | 0.9547% | 2,191 |
| Return on assets (ROA) | 0.9749% | 2,237 |
| Pretax return on assets | 1.4871% | 1,414 |
| Return on Equity (ROE) | 9.9579% | 1,944 |
| Retained earnings to average equity (ytd only) | 9.9579% | 534 |
| Net charge-offs to loans | 1.2902% | 1,728 |
| Credit loss provision to net charge-offs | 148.6143% | 2,449 |
| Earnings coverage of net charge-offs (x) | 3.0731% | 3,536 |
| Efficiency ratio | 47.2633% | 7,296 |
| Assets per employee ($millions) | 4.6144% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 3,751 |
| Loan loss allowance to noncurrent loans | 27.4281% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 5.3339% | 1,164 |
| Noncurrent loans to loans | 5.6731% | 1,138 |
| Net loans and leases to total assets | 68.6010% | 2,838 |
| Net loans and leases to deposits | 85.4288% | 2,201 |
| Net loans and leases to core deposits | 93.2069% | 2,356 |
| Total domestic deposits to total assets | 80.3019% | 5,750 |
| Equity capital to assets | 9.8270% | 3,964 |
| Core capital (leverage) ratio | 9.7428% | 3,383 |
| Tier 1 risk-based capital ratio | 15.5415% | 2,981 |
| Total risk-based capital ratio | 16.8045% | 2,937 |
| Memoranda: | ||
| Average total assets | $1,030,003,800 | 654 |
| Average earning assets | $923,664,400 | 649 |
| Average equity | $100,834,400 | 667 |
| Average total loans | $732,767,200 | 596 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7525% | 5,841 |
| Cost of funding earning assets | 1.5362% | 2,745 |
| Net interest margin | 3.2163% | 6,285 |
| Noninterest income to average assets | 3.1409% | 216 |
| Noninterest expense to average assets | 2.5864% | 5,376 |
| Loan and lease loss provision to assets | 1.1805% | 1,220 |
| Net operating income to assets | 1.4563% | 1,008 |
| Return on assets (ROA) | 1.4826% | 1,031 |
| Pretax return on assets | 2.3060% | 334 |
| Return on Equity (ROE) | 15.1590% | 833 |
| Retained earnings to average equity (ytd only) | 15.1590% | 204 |
| Net charge-offs to loans | 1.1497% | 1,773 |
| Credit loss provision to net charge-offs | 143.5596% | 2,738 |
| Earnings coverage of net charge-offs (x) | 4.1902% | 3,157 |
| Efficiency ratio | 42.0725% | 7,527 |
| Assets per employee ($millions) | 4.8363% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 5,077 |
| Loan loss allowance to noncurrent loans | 22.4300% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 5.0132% | 1,283 |
| Noncurrent loans to loans | 5.6914% | 1,150 |
| Net loans and leases to total assets | 68.3265% | 3,133 |
| Net loans and leases to deposits | 86.1041% | 2,316 |
| Net loans and leases to core deposits | 94.5443% | 2,448 |
| Total domestic deposits to total assets | 79.3534% | 5,914 |
| Equity capital to assets | 9.6990% | 4,547 |
| Core capital (leverage) ratio | 9.5799% | 3,794 |
| Tier 1 risk-based capital ratio | 15.5754% | 2,955 |
| Total risk-based capital ratio | 16.8305% | 2,916 |
| Memoranda: | ||
| Average total assets | $1,022,176,500 | 649 |
| Average earning assets | $918,786,000 | 649 |
| Average equity | $99,969,250 | 671 |
| Average total loans | $731,064,250 | 594 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 6,132 |
| Cost of funding earning assets | 1.5583% | 2,911 |
| Net interest margin | 3.1455% | 6,472 |
| Noninterest income to average assets | 4.4636% | 153 |
| Noninterest expense to average assets | 2.5328% | 5,599 |
| Loan and lease loss provision to assets | 1.2117% | 1,156 |
| Net operating income to assets | 2.2591% | 205 |
| Return on assets (ROA) | 2.2602% | 222 |
| Pretax return on assets | 3.5621% | 87 |
| Return on Equity (ROE) | 23.0411% | 172 |
| Retained earnings to average equity (ytd only) | 23.0411% | 61 |
| Net charge-offs to loans | 1.1791% | 1,613 |
| Credit loss provision to net charge-offs | 142.0188% | 2,803 |
| Earnings coverage of net charge-offs (x) | 5.5930% | 2,637 |
| Efficiency ratio | 34.0727% | 7,718 |
| Assets per employee ($millions) | 4.5298% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 5,832 |
| Loan loss allowance to noncurrent loans | 22.9378% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 4.5191% | 1,468 |
| Noncurrent loans to loans | 4.8986% | 1,425 |
| Net loans and leases to total assets | 71.3189% | 2,587 |
| Net loans and leases to deposits | 89.3824% | 1,950 |
| Net loans and leases to core deposits | 94.7227% | 2,617 |
| Total domestic deposits to total assets | 79.7908% | 5,792 |
| Equity capital to assets | 9.8613% | 4,181 |
| Core capital (leverage) ratio | 9.7309% | 3,496 |
| Tier 1 risk-based capital ratio | 15.5243% | 2,881 |
| Total risk-based capital ratio | 16.7776% | 2,847 |
| Memoranda: | ||
| Average total assets | $998,565,330 | 659 |
| Average earning assets | $901,991,670 | 663 |
| Average equity | $97,955,330 | 672 |
| Average total loans | $722,594,670 | 608 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1605% | 7,305 |
| Cost of funding earning assets | 1.4549% | 3,837 |
| Net interest margin | 2.7056% | 7,293 |
| Noninterest income to average assets | 8.3308% | 80 |
| Noninterest expense to average assets | 2.4540% | 5,896 |
| Loan and lease loss provision to assets | 1.2694% | 959 |
| Net operating income to assets | 4.4052% | 47 |
| Return on assets (ROA) | 4.4047% | 50 |
| Pretax return on assets | 7.0609% | 39 |
| Return on Equity (ROE) | 45.0345% | 32 |
| Retained earnings to average equity (ytd only) | 45.0345% | 24 |
| Net charge-offs to loans | 1.3802% | 1,248 |
| Credit loss provision to net charge-offs | 126.8719% | 2,779 |
| Earnings coverage of net charge-offs (x) | 8.3265% | 1,973 |
| Efficiency ratio | 22.5022% | 7,893 |
| Assets per employee ($millions) | 4.6072% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 6,637 |
| Loan loss allowance to noncurrent loans | 23.7023% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 3.4796% | 2,027 |
| Noncurrent loans to loans | 4.0578% | 1,923 |
| Net loans and leases to total assets | 68.9392% | 3,168 |
| Net loans and leases to deposits | 87.5859% | 2,299 |
| Net loans and leases to core deposits | 94.4109% | 2,785 |
| Total domestic deposits to total assets | 78.7103% | 6,148 |
| Equity capital to assets | 9.2907% | 4,850 |
| Core capital (leverage) ratio | 9.1718% | 4,267 |
| Tier 1 risk-based capital ratio | 14.4715% | 3,394 |
| Total risk-based capital ratio | 15.5338% | 3,461 |
| Memoranda: | ||
| Average total assets | $961,061,500 | 703 |
| Average earning assets | $871,825,500 | 704 |
| Average equity | $93,999,000 | 708 |
| Average total loans | $696,711,500 | 650 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1463% | 5,896 |
| Cost of funding earning assets | 2.1182% | 2,377 |
| Net interest margin | 3.0281% | 6,573 |
| Noninterest income to average assets | 0.6781% | 3,094 |
| Noninterest expense to average assets | 5.8146% | 336 |
| Loan and lease loss provision to assets | 1.3331% | 1,721 |
| Net operating income to assets | -3.6681% | 7,548 |
| Return on assets (ROA) | -3.4965% | 7,512 |
| Pretax return on assets | -3.5820% | 7,438 |
| Return on Equity (ROE) | -26.8422% | 7,337 |
| Retained earnings to average equity (ytd only) | -26.8422% | 7,309 |
| Net charge-offs to loans | 1.8054% | 1,383 |
| Credit loss provision to net charge-offs | 97.8348% | 5,694 |
| Earnings coverage of net charge-offs (x) | -1.7788% | 6,989 |
| Efficiency ratio | 64.2233% | 5,735 |
| Assets per employee ($millions) | 5.7489% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 5,701 |
| Loan loss allowance to noncurrent loans | 57.6480% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.1500% | 3,204 |
| Noncurrent loans to loans | 1.9730% | 3,684 |
| Net loans and leases to total assets | 75.7279% | 1,870 |
| Net loans and leases to deposits | 98.1641% | 1,086 |
| Net loans and leases to core deposits | 127.9781% | 1,397 |
| Total domestic deposits to total assets | 77.1441% | 6,435 |
| Equity capital to assets | 10.4780% | 3,204 |
| Core capital (leverage) ratio | 10.4428% | 2,658 |
| Tier 1 risk-based capital ratio | 12.9795% | 4,158 |
| Total risk-based capital ratio | 14.0684% | 4,221 |
| Memoranda: | ||
| Average total assets | $823,617,800 | 829 |
| Average earning assets | $737,795,400 | 842 |
| Average equity | $107,286,400 | 608 |
| Average total loans | $621,629,600 | 751 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1767% | 5,979 |
| Cost of funding earning assets | 2.2183% | 2,317 |
| Net interest margin | 2.9584% | 6,710 |
| Noninterest income to average assets | 0.6782% | 3,168 |
| Noninterest expense to average assets | 2.1843% | 7,017 |
| Loan and lease loss provision to assets | 1.0948% | 1,786 |
| Net operating income to assets | 0.0778% | 5,534 |
| Return on assets (ROA) | 0.1952% | 5,252 |
| Pretax return on assets | 0.1530% | 5,405 |
| Return on Equity (ROE) | 1.4318% | 5,361 |
| Retained earnings to average equity (ytd only) | 1.4318% | 4,514 |
| Net charge-offs to loans | 1.4589% | 1,412 |
| Credit loss provision to net charge-offs | 99.7807% | 5,130 |
| Earnings coverage of net charge-offs (x) | 1.0303% | 5,023 |
| Efficiency ratio | 64.7213% | 5,611 |
| Assets per employee ($millions) | 5.8670% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,343 |
| Loan loss allowance to noncurrent loans | 66.7477% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.7216% | 3,788 |
| Noncurrent loans to loans | 1.7417% | 4,016 |
| Net loans and leases to total assets | 73.9040% | 2,554 |
| Net loans and leases to deposits | 100.4026% | 1,068 |
| Net loans and leases to core deposits | 131.1010% | 1,368 |
| Total domestic deposits to total assets | 73.6077% | 7,015 |
| Equity capital to assets | 13.8795% | 1,345 |
| Core capital (leverage) ratio | 10.5257% | 2,769 |
| Tier 1 risk-based capital ratio | 13.2633% | 4,012 |
| Total risk-based capital ratio | 14.4080% | 4,017 |
| Memoranda: | ||
| Average total assets | $831,184,750 | 822 |
| Average earning assets | $740,743,000 | 854 |
| Average equity | $113,326,250 | 589 |
| Average total loans | $625,112,250 | 766 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1904% | 6,114 |
| Cost of funding earning assets | 2.3137% | 2,301 |
| Net interest margin | 2.8767% | 6,853 |
| Noninterest income to average assets | 0.6680% | 3,209 |
| Noninterest expense to average assets | 2.1892% | 7,084 |
| Loan and lease loss provision to assets | 0.6831% | 2,380 |
| Net operating income to assets | 0.3125% | 4,837 |
| Return on assets (ROA) | 0.3430% | 4,822 |
| Pretax return on assets | 0.3962% | 4,945 |
| Return on Equity (ROE) | 2.5305% | 5,088 |
| Retained earnings to average equity (ytd only) | 2.5305% | 3,923 |
| Net charge-offs to loans | 1.0939% | 1,658 |
| Credit loss provision to net charge-offs | 82.8729% | 5,124 |
| Earnings coverage of net charge-offs (x) | 1.2669% | 4,580 |
| Efficiency ratio | 66.5036% | 5,457 |
| Assets per employee ($millions) | 5.6461% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 5,932 |
| Loan loss allowance to noncurrent loans | 63.3784% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.4923% | 3,998 |
| Noncurrent loans to loans | 1.6507% | 4,023 |
| Net loans and leases to total assets | 74.3218% | 2,617 |
| Net loans and leases to deposits | 100.2677% | 1,265 |
| Net loans and leases to core deposits | 132.6384% | 1,394 |
| Total domestic deposits to total assets | 74.1233% | 6,935 |
| Equity capital to assets | 13.5858% | 1,466 |
| Core capital (leverage) ratio | 10.3461% | 2,952 |
| Tier 1 risk-based capital ratio | 13.2665% | 3,963 |
| Total risk-based capital ratio | 14.3124% | 4,021 |
| Memoranda: | ||
| Average total assets | $834,454,670 | 843 |
| Average earning assets | $744,183,000 | 858 |
| Average equity | $113,100,670 | 597 |
| Average total loans | $628,760,000 | 777 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1966% | 6,310 |
| Cost of funding earning assets | 2.4158% | 2,226 |
| Net interest margin | 2.7808% | 7,032 |
| Noninterest income to average assets | 0.5526% | 3,898 |
| Noninterest expense to average assets | 2.1034% | 7,107 |
| Loan and lease loss provision to assets | 0.4317% | 2,769 |
| Net operating income to assets | 0.4106% | 4,818 |
| Return on assets (ROA) | 0.3823% | 5,119 |
| Pretax return on assets | 0.4615% | 5,203 |
| Return on Equity (ROE) | 2.8240% | 5,438 |
| Retained earnings to average equity (ytd only) | 2.8240% | 4,306 |
| Net charge-offs to loans | 0.6686% | 1,845 |
| Credit loss provision to net charge-offs | 85.5513% | 4,094 |
| Earnings coverage of net charge-offs (x) | 1.8375% | 3,810 |
| Efficiency ratio | 68.1228% | 4,943 |
| Assets per employee ($millions) | 5.7078% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,424 |
| Loan loss allowance to noncurrent loans | 111.7262% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.9336% | 4,855 |
| Noncurrent loans to loans | 0.9901% | 5,016 |
| Net loans and leases to total assets | 73.6133% | 2,867 |
| Net loans and leases to deposits | 99.0260% | 1,529 |
| Net loans and leases to core deposits | 134.0747% | 1,411 |
| Total domestic deposits to total assets | 74.3374% | 6,830 |
| Equity capital to assets | 13.3480% | 1,592 |
| Core capital (leverage) ratio | 10.0852% | 3,312 |
| Tier 1 risk-based capital ratio | 12.0469% | 4,926 |
| Total risk-based capital ratio | 13.0683% | 5,021 |
| Memoranda: | ||
| Average total assets | $833,871,000 | 845 |
| Average earning assets | $743,104,000 | 862 |
| Average equity | $112,888,000 | 595 |
| Average total loans | $629,332,500 | 792 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0513% | 5,292 |
| Cost of funding earning assets | 3.0347% | 1,734 |
| Net interest margin | 3.0167% | 6,864 |
| Noninterest income to average assets | 0.6839% | 3,223 |
| Noninterest expense to average assets | 2.2174% | 6,922 |
| Loan and lease loss provision to assets | 0.4672% | 2,960 |
| Net operating income to assets | 0.5005% | 4,734 |
| Return on assets (ROA) | 0.5275% | 4,479 |
| Pretax return on assets | 0.6949% | 4,414 |
| Return on Equity (ROE) | 4.2688% | 4,704 |
| Retained earnings to average equity (ytd only) | 0.9859% | 4,640 |
| Net charge-offs to loans | 0.3785% | 2,944 |
| Credit loss provision to net charge-offs | 165.3269% | 3,113 |
| Earnings coverage of net charge-offs (x) | 3.9867% | 4,155 |
| Efficiency ratio | 64.3985% | 5,477 |
| Assets per employee ($millions) | 5.4851% | 1,468 |
| Cash dividends to net income (ytd only)* | 76.9049% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 4,970 |
| Loan loss allowance to noncurrent loans | 235.9828% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 5,164 |
| Noncurrent loans to loans | 0.4846% | 5,892 |
| Net loans and leases to total assets | 75.6722% | 2,713 |
| Net loans and leases to deposits | 105.2265% | 1,196 |
| Net loans and leases to core deposits | 135.7779% | 1,500 |
| Total domestic deposits to total assets | 71.9136% | 7,016 |
| Equity capital to assets | 13.7354% | 1,528 |
| Core capital (leverage) ratio | 10.3938% | 3,079 |
| Tier 1 risk-based capital ratio | 12.0109% | 4,813 |
| Total risk-based capital ratio | 13.0672% | 4,873 |
| Memoranda: | ||
| Average total assets | $801,171,800 | 844 |
| Average earning assets | $706,471,800 | 864 |
| Average equity | $98,996,800 | 669 |
| Average total loans | $598,079,000 | 799 |