Home > Community Bank of the South > Performance and Condition Ratios
Community Bank of the South, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 1,273 |
| Cost of funding earning assets | 0.5522% | 1,688 |
| Net interest margin | 4.0449% | 1,494 |
| Noninterest income to average assets | 0.2666% | 4,826 |
| Noninterest expense to average assets | 2.2107% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9377% | 373 |
| Return on assets (ROA) | 1.9377% | 396 |
| Pretax return on assets | 1.9377% | 644 |
| Return on Equity (ROE) | 18.9012% | 303 |
| Retained earnings to average equity (ytd only) | 6.9861% | 1,893 |
| Net charge-offs to loans | -0.0013% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2903% | 5,439 |
| Assets per employee ($millions) | 5.8991% | 1,486 |
| Cash dividends to net income (ytd only)* | 63.0387% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 1,518 |
| Loan loss allowance to noncurrent loans | 120.9058% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.3262% | 1,613 |
| Noncurrent loans to loans | 1.3526% | 1,765 |
| Net loans and leases to total assets | 78.6827% | 996 |
| Net loans and leases to deposits | 89.2866% | 1,662 |
| Net loans and leases to core deposits | 91.7583% | 2,206 |
| Total domestic deposits to total assets | 88.1237% | 1,576 |
| Equity capital to assets | 10.2600% | 3,786 |
| Core capital (leverage) ratio | 10.1997% | 3,313 |
| Tier 1 risk-based capital ratio | 12.4935% | 4,576 |
| Total risk-based capital ratio | 13.7479% | 4,487 |
| Memoranda: | ||
| Average total assets | $373,638,000 | 1,796 |
| Average earning assets | $358,576,000 | 1,733 |
| Average equity | $38,304,500 | 1,916 |
| Average total loans | $302,885,000 | 1,508 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 951 |
| Cost of funding earning assets | 0.5909% | 1,430 |
| Net interest margin | 4.1929% | 1,185 |
| Noninterest income to average assets | 0.2223% | 5,268 |
| Noninterest expense to average assets | 2.5786% | 3,997 |
| Loan and lease loss provision to assets | -0.5247% | 6,127 |
| Net operating income to assets | 2.1604% | 264 |
| Return on assets (ROA) | 2.1604% | 270 |
| Pretax return on assets | 2.1604% | 377 |
| Return on Equity (ROE) | 22.8482% | 142 |
| Retained earnings to average equity (ytd only) | 21.8114% | 54 |
| Net charge-offs to loans | -0.0180% | 5,239 |
| Credit loss provision to net charge-offs | 3,653.8462% | 106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1861% | 4,733 |
| Assets per employee ($millions) | 5.6882% | 1,624 |
| Cash dividends to net income (ytd only)* | 4.5379% | 4,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 1,537 |
| Loan loss allowance to noncurrent loans | 104.8630% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.4727% | 1,386 |
| Noncurrent loans to loans | 1.5502% | 1,486 |
| Net loans and leases to total assets | 80.8237% | 732 |
| Net loans and leases to deposits | 90.2565% | 1,584 |
| Net loans and leases to core deposits | 92.8950% | 2,141 |
| Total domestic deposits to total assets | 89.5489% | 825 |
| Equity capital to assets | 10.2433% | 3,690 |
| Core capital (leverage) ratio | 10.1322% | 3,347 |
| Tier 1 risk-based capital ratio | 12.3008% | 4,766 |
| Total risk-based capital ratio | 13.5552% | 4,651 |
| Memoranda: | ||
| Average total assets | $362,102,600 | 1,804 |
| Average earning assets | $344,749,200 | 1,765 |
| Average equity | $34,239,000 | 2,077 |
| Average total loans | $288,478,400 | 1,515 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 944 |
| Cost of funding earning assets | 0.5958% | 1,434 |
| Net interest margin | 4.2008% | 1,164 |
| Noninterest income to average assets | 0.1954% | 5,481 |
| Noninterest expense to average assets | 2.4871% | 4,236 |
| Loan and lease loss provision to assets | -0.7033% | 6,242 |
| Net operating income to assets | 2.4046% | 183 |
| Return on assets (ROA) | 2.4046% | 189 |
| Pretax return on assets | 2.4046% | 283 |
| Return on Equity (ROE) | 25.9856% | 96 |
| Retained earnings to average equity (ytd only) | 24.5655% | 45 |
| Net charge-offs to loans | -0.0066% | 4,883 |
| Credit loss provision to net charge-offs | 13,571.4286% | 29 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3814% | 4,961 |
| Assets per employee ($millions) | 5.5860% | 1,699 |
| Cash dividends to net income (ytd only)* | 5.4649% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 1,589 |
| Loan loss allowance to noncurrent loans | 177.2152% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9496% | 2,482 |
| Noncurrent loans to loans | 0.9351% | 2,639 |
| Net loans and leases to total assets | 78.8784% | 976 |
| Net loans and leases to deposits | 87.9644% | 1,905 |
| Net loans and leases to core deposits | 90.3772% | 2,427 |
| Total domestic deposits to total assets | 89.6708% | 702 |
| Equity capital to assets | 9.9557% | 4,214 |
| Core capital (leverage) ratio | 9.9529% | 3,706 |
| Tier 1 risk-based capital ratio | 12.1924% | 4,966 |
| Total risk-based capital ratio | 13.4473% | 4,864 |
| Memoranda: | ||
| Average total assets | $360,195,000 | 1,829 |
| Average earning assets | $342,374,750 | 1,784 |
| Average equity | $33,330,500 | 2,143 |
| Average total loans | $284,655,500 | 1,537 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8285% | 845 |
| Cost of funding earning assets | 0.6002% | 1,416 |
| Net interest margin | 4.2282% | 1,051 |
| Noninterest income to average assets | 0.1158% | 5,965 |
| Noninterest expense to average assets | 2.5027% | 4,233 |
| Loan and lease loss provision to assets | -0.7275% | 6,304 |
| Net operating income to assets | 2.3539% | 206 |
| Return on assets (ROA) | 2.3539% | 217 |
| Pretax return on assets | 2.3539% | 309 |
| Return on Equity (ROE) | 26.1194% | 100 |
| Retained earnings to average equity (ytd only) | 23.9210% | 55 |
| Net charge-offs to loans | -0.0114% | 4,966 |
| Credit loss provision to net charge-offs | 8,125.0000% | 63 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6126% | 4,892 |
| Assets per employee ($millions) | 5.4003% | 1,835 |
| Cash dividends to net income (ytd only)* | 8.4165% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9966% | 993 |
| Loan loss allowance to noncurrent loans | 177.3123% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.3330% | 1,882 |
| Noncurrent loans to loans | 1.1260% | 2,397 |
| Net loans and leases to total assets | 74.6419% | 1,561 |
| Net loans and leases to deposits | 82.7277% | 2,472 |
| Net loans and leases to core deposits | 85.4629% | 2,826 |
| Total domestic deposits to total assets | 90.2260% | 568 |
| Equity capital to assets | 9.4542% | 4,706 |
| Core capital (leverage) ratio | 9.5258% | 4,250 |
| Tier 1 risk-based capital ratio | 12.1784% | 5,015 |
| Total risk-based capital ratio | 13.4374% | 4,909 |
| Memoranda: | ||
| Average total assets | $357,368,330 | 1,860 |
| Average earning assets | $339,195,330 | 1,808 |
| Average equity | $32,206,000 | 2,211 |
| Average total loans | $280,972,330 | 1,555 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 621 |
| Cost of funding earning assets | 0.6020% | 1,422 |
| Net interest margin | 4.3461% | 803 |
| Noninterest income to average assets | -0.1352% | 6,369 |
| Noninterest expense to average assets | 2.3810% | 4,647 |
| Loan and lease loss provision to assets | -0.0845% | 6,194 |
| Net operating income to assets | 1.6906% | 604 |
| Return on assets (ROA) | 1.6906% | 631 |
| Pretax return on assets | 1.6906% | 1,073 |
| Return on Equity (ROE) | 19.2402% | 307 |
| Retained earnings to average equity (ytd only) | 19.2402% | 110 |
| Net charge-offs to loans | 0.0606% | 2,143 |
| Credit loss provision to net charge-offs | -174.4186% | 4,583 |
| Earnings coverage of net charge-offs (x) | 33.1628% | 1,086 |
| Efficiency ratio | 59.7175% | 5,129 |
| Assets per employee ($millions) | 5.4859% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3717% | 646 |
| Loan loss allowance to noncurrent loans | 228.2780% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3914% | 1,908 |
| Noncurrent loans to loans | 1.0389% | 2,687 |
| Net loans and leases to total assets | 75.8092% | 1,238 |
| Net loans and leases to deposits | 84.9656% | 1,955 |
| Net loans and leases to core deposits | 88.1491% | 2,312 |
| Total domestic deposits to total assets | 89.2234% | 1,128 |
| Equity capital to assets | 8.8483% | 5,445 |
| Core capital (leverage) ratio | 8.8745% | 5,104 |
| Tier 1 risk-based capital ratio | 11.2108% | 5,706 |
| Total risk-based capital ratio | 12.4747% | 5,617 |
| Memoranda: | ||
| Average total assets | $355,143,500 | 1,872 |
| Average earning assets | $336,856,000 | 1,827 |
| Average equity | $31,205,500 | 2,282 |
| Average total loans | $283,673,500 | 1,547 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8691% | 976 |
| Cost of funding earning assets | 0.6328% | 1,532 |
| Net interest margin | 4.2363% | 1,196 |
| Noninterest income to average assets | -0.3165% | 6,485 |
| Noninterest expense to average assets | 2.3797% | 4,896 |
| Loan and lease loss provision to assets | -0.1725% | 6,257 |
| Net operating income to assets | 1.4658% | 941 |
| Return on assets (ROA) | 1.4463% | 1,020 |
| Pretax return on assets | 1.4463% | 1,731 |
| Return on Equity (ROE) | 18.1377% | 385 |
| Retained earnings to average equity (ytd only) | 18.1377% | 85 |
| Net charge-offs to loans | 0.7706% | 462 |
| Credit loss provision to net charge-offs | -28.4225% | 5,374 |
| Earnings coverage of net charge-offs (x) | 2.1312% | 4,237 |
| Efficiency ratio | 64.7883% | 4,439 |
| Assets per employee ($millions) | 5.1973% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3715% | 645 |
| Loan loss allowance to noncurrent loans | 178.5583% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 2.0367% | 1,244 |
| Noncurrent loans to loans | 1.3281% | 2,215 |
| Net loans and leases to total assets | 80.2401% | 715 |
| Net loans and leases to deposits | 90.6330% | 1,448 |
| Net loans and leases to core deposits | 93.9920% | 1,924 |
| Total domestic deposits to total assets | 88.5330% | 1,507 |
| Equity capital to assets | 8.7227% | 5,562 |
| Core capital (leverage) ratio | 8.6880% | 5,358 |
| Tier 1 risk-based capital ratio | 10.5864% | 6,064 |
| Total risk-based capital ratio | 11.8504% | 6,007 |
| Memoranda: | ||
| Average total assets | $347,856,200 | 1,873 |
| Average earning assets | $327,598,600 | 1,837 |
| Average equity | $27,737,800 | 2,424 |
| Average total loans | $273,959,000 | 1,555 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 1,014 |
| Cost of funding earning assets | 0.6375% | 1,541 |
| Net interest margin | 4.2182% | 1,231 |
| Noninterest income to average assets | -0.1284% | 6,537 |
| Noninterest expense to average assets | 2.4096% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4293% | 1,072 |
| Return on assets (ROA) | 1.4028% | 1,172 |
| Pretax return on assets | 1.4028% | 1,995 |
| Return on Equity (ROE) | 18.0161% | 445 |
| Retained earnings to average equity (ytd only) | 18.0161% | 115 |
| Net charge-offs to loans | 0.8008% | 417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.2913% | 3,952 |
| Efficiency ratio | 62.7684% | 4,766 |
| Assets per employee ($millions) | 5.0845% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8723% | 410 |
| Loan loss allowance to noncurrent loans | 121.6538% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 3.2220% | 700 |
| Noncurrent loans to loans | 2.3610% | 1,264 |
| Net loans and leases to total assets | 76.9811% | 1,093 |
| Net loans and leases to deposits | 85.2815% | 1,996 |
| Net loans and leases to core deposits | 88.1377% | 2,409 |
| Total domestic deposits to total assets | 90.2672% | 623 |
| Equity capital to assets | 8.4200% | 5,864 |
| Core capital (leverage) ratio | 8.2925% | 5,845 |
| Tier 1 risk-based capital ratio | 10.6292% | 6,164 |
| Total risk-based capital ratio | 11.8997% | 6,104 |
| Memoranda: | ||
| Average total assets | $347,766,250 | 1,878 |
| Average earning assets | $327,081,750 | 1,844 |
| Average equity | $27,078,750 | 2,484 |
| Average total loans | $270,899,750 | 1,580 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8528% | 984 |
| Cost of funding earning assets | 0.6443% | 1,552 |
| Net interest margin | 4.2085% | 1,221 |
| Noninterest income to average assets | -0.1797% | 6,618 |
| Noninterest expense to average assets | 2.3298% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4459% | 969 |
| Return on assets (ROA) | 1.4063% | 1,087 |
| Pretax return on assets | 1.4063% | 1,871 |
| Return on Equity (ROE) | 18.5599% | 404 |
| Retained earnings to average equity (ytd only) | 18.5599% | 111 |
| Net charge-offs to loans | 1.1962% | 264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.5607% | 3,772 |
| Efficiency ratio | 61.7057% | 5,053 |
| Assets per employee ($millions) | 5.2495% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9141% | 426 |
| Loan loss allowance to noncurrent loans | 120.8461% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 3.3697% | 708 |
| Noncurrent loans to loans | 2.4114% | 1,308 |
| Net loans and leases to total assets | 75.8124% | 1,198 |
| Net loans and leases to deposits | 82.7912% | 2,164 |
| Net loans and leases to core deposits | 85.5862% | 2,559 |
| Total domestic deposits to total assets | 91.5706% | 244 |
| Equity capital to assets | 8.0582% | 6,119 |
| Core capital (leverage) ratio | 7.9386% | 6,139 |
| Tier 1 risk-based capital ratio | 10.2583% | 6,320 |
| Total risk-based capital ratio | 11.5290% | 6,271 |
| Memoranda: | ||
| Average total assets | $348,439,330 | 1,875 |
| Average earning assets | $327,479,000 | 1,837 |
| Average equity | $26,401,000 | 2,535 |
| Average total loans | $269,856,000 | 1,578 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 1,070 |
| Cost of funding earning assets | 0.6552% | 1,557 |
| Net interest margin | 4.1343% | 1,377 |
| Noninterest income to average assets | -0.1259% | 6,668 |
| Noninterest expense to average assets | 2.3936% | 4,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3668% | 1,063 |
| Return on assets (ROA) | 1.3668% | 1,107 |
| Pretax return on assets | 1.3668% | 1,865 |
| Return on Equity (ROE) | 18.6257% | 389 |
| Retained earnings to average equity (ytd only) | 18.6257% | 157 |
| Net charge-offs to loans | 1.0374% | 319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.7082% | 3,034 |
| Efficiency ratio | 63.6530% | 4,912 |
| Assets per employee ($millions) | 5.3595% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3046% | 325 |
| Loan loss allowance to noncurrent loans | 142.3326% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 3.5003% | 747 |
| Noncurrent loans to loans | 2.3218% | 1,527 |
| Net loans and leases to total assets | 73.9055% | 1,285 |
| Net loans and leases to deposits | 80.2346% | 2,260 |
| Net loans and leases to core deposits | 83.3433% | 2,594 |
| Total domestic deposits to total assets | 92.1118% | 222 |
| Equity capital to assets | 7.5546% | 6,296 |
| Core capital (leverage) ratio | 7.5229% | 6,330 |
| Tier 1 risk-based capital ratio | 9.9235% | 6,494 |
| Total risk-based capital ratio | 11.1988% | 6,463 |
| Memoranda: | ||
| Average total assets | $349,425,500 | 1,877 |
| Average earning assets | $328,471,500 | 1,832 |
| Average equity | $25,642,000 | 2,585 |
| Average total loans | $269,509,500 | 1,582 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 1,051 |
| Cost of funding earning assets | 0.7723% | 1,359 |
| Net interest margin | 4.1492% | 1,503 |
| Noninterest income to average assets | -0.6038% | 6,797 |
| Noninterest expense to average assets | 2.3405% | 5,256 |
| Loan and lease loss provision to assets | 0.3775% | 815 |
| Net operating income to assets | 0.5404% | 4,556 |
| Return on assets (ROA) | 0.5404% | 4,678 |
| Pretax return on assets | 0.5404% | 5,069 |
| Return on Equity (ROE) | 8.0578% | 3,011 |
| Retained earnings to average equity (ytd only) | 8.0578% | 1,034 |
| Net charge-offs to loans | 0.5775% | 1,141 |
| Credit loss provision to net charge-offs | 87.3303% | 2,836 |
| Earnings coverage of net charge-offs (x) | 2.1235% | 4,324 |
| Efficiency ratio | 71.8316% | 3,506 |
| Assets per employee ($millions) | 5.6529% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4822% | 295 |
| Loan loss allowance to noncurrent loans | 126.1020% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 3.7985% | 724 |
| Noncurrent loans to loans | 2.7614% | 1,292 |
| Net loans and leases to total assets | 75.1131% | 1,205 |
| Net loans and leases to deposits | 81.0005% | 2,321 |
| Net loans and leases to core deposits | 84.6674% | 2,593 |
| Total domestic deposits to total assets | 92.7317% | 164 |
| Equity capital to assets | 7.1233% | 6,425 |
| Core capital (leverage) ratio | 7.1222% | 6,496 |
| Tier 1 risk-based capital ratio | 9.3003% | 6,629 |
| Total risk-based capital ratio | 10.5781% | 6,612 |
| Memoranda: | ||
| Average total assets | $357,913,800 | 1,808 |
| Average earning assets | $333,147,400 | 1,788 |
| Average equity | $24,001,600 | 2,731 |
| Average total loans | $267,890,800 | 1,563 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 1,017 |
| Cost of funding earning assets | 0.7958% | 1,348 |
| Net interest margin | 4.1618% | 1,449 |
| Noninterest income to average assets | -0.7078% | 6,876 |
| Noninterest expense to average assets | 2.3681% | 5,125 |
| Loan and lease loss provision to assets | 0.4173% | 708 |
| Net operating income to assets | 0.3673% | 5,379 |
| Return on assets (ROA) | 0.3673% | 5,516 |
| Pretax return on assets | 0.3673% | 5,708 |
| Return on Equity (ROE) | 5.5609% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.5609% | 2,685 |
| Net charge-offs to loans | 0.6775% | 888 |
| Credit loss provision to net charge-offs | 83.0996% | 2,776 |
| Earnings coverage of net charge-offs (x) | 1.5624% | 4,316 |
| Efficiency ratio | 75.1146% | 2,885 |
| Assets per employee ($millions) | 5.7545% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5426% | 323 |
| Loan loss allowance to noncurrent loans | 125.3642% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 4.0955% | 759 |
| Noncurrent loans to loans | 2.8258% | 1,471 |
| Net loans and leases to total assets | 73.4183% | 1,381 |
| Net loans and leases to deposits | 79.2938% | 2,508 |
| Net loans and leases to core deposits | 83.0390% | 2,758 |
| Total domestic deposits to total assets | 92.5902% | 166 |
| Equity capital to assets | 6.8748% | 6,579 |
| Core capital (leverage) ratio | 6.7498% | 6,633 |
| Tier 1 risk-based capital ratio | 8.9910% | 6,725 |
| Total risk-based capital ratio | 10.2691% | 6,723 |
| Memoranda: | ||
| Average total assets | $359,771,750 | 1,814 |
| Average earning assets | $333,724,500 | 1,793 |
| Average equity | $23,760,500 | 2,782 |
| Average total loans | $266,674,500 | 1,573 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 1,026 |
| Cost of funding earning assets | 0.8180% | 1,321 |
| Net interest margin | 4.1140% | 1,503 |
| Noninterest income to average assets | -0.9176% | 6,925 |
| Noninterest expense to average assets | 2.3585% | 5,180 |
| Loan and lease loss provision to assets | 0.2487% | 1,502 |
| Net operating income to assets | 0.2774% | 5,678 |
| Return on assets (ROA) | 0.2774% | 5,812 |
| Pretax return on assets | 0.2774% | 5,932 |
| Return on Equity (ROE) | 4.2561% | 5,109 |
| Retained earnings to average equity (ytd only) | 4.2561% | 3,586 |
| Net charge-offs to loans | 0.4833% | 1,364 |
| Credit loss provision to net charge-offs | 70.0311% | 2,827 |
| Earnings coverage of net charge-offs (x) | 1.4814% | 4,041 |
| Efficiency ratio | 81.7626% | 1,917 |
| Assets per employee ($millions) | 5.9279% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5253% | 358 |
| Loan loss allowance to noncurrent loans | 104.7750% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 4.5486% | 721 |
| Noncurrent loans to loans | 3.3647% | 1,282 |
| Net loans and leases to total assets | 71.9035% | 1,592 |
| Net loans and leases to deposits | 77.2264% | 2,690 |
| Net loans and leases to core deposits | 80.7392% | 2,946 |
| Total domestic deposits to total assets | 93.1074% | 118 |
| Equity capital to assets | 6.4944% | 6,690 |
| Core capital (leverage) ratio | 6.4625% | 6,701 |
| Tier 1 risk-based capital ratio | 8.6396% | 6,778 |
| Total risk-based capital ratio | 9.9170% | 6,780 |
| Memoranda: | ||
| Average total assets | $362,688,000 | 1,809 |
| Average earning assets | $335,197,670 | 1,790 |
| Average equity | $23,636,670 | 2,803 |
| Average total loans | $266,506,000 | 1,570 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 1,078 |
| Cost of funding earning assets | 0.8480% | 1,262 |
| Net interest margin | 4.0542% | 1,610 |
| Noninterest income to average assets | -0.7433% | 6,997 |
| Noninterest expense to average assets | 2.2707% | 5,502 |
| Loan and lease loss provision to assets | 0.4967% | 545 |
| Net operating income to assets | 0.2114% | 5,848 |
| Return on assets (ROA) | 0.2114% | 5,968 |
| Pretax return on assets | 0.2114% | 6,052 |
| Return on Equity (ROE) | 3.2387% | 5,472 |
| Retained earnings to average equity (ytd only) | 3.2387% | 4,308 |
| Net charge-offs to loans | 0.4226% | 1,397 |
| Credit loss provision to net charge-offs | 161.0714% | 1,296 |
| Earnings coverage of net charge-offs (x) | 2.2964% | 3,077 |
| Efficiency ratio | 76.2292% | 2,886 |
| Assets per employee ($millions) | 5.8874% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7141% | 353 |
| Loan loss allowance to noncurrent loans | 96.9533% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 6.1548% | 514 |
| Noncurrent loans to loans | 3.8308% | 1,200 |
| Net loans and leases to total assets | 70.0641% | 1,647 |
| Net loans and leases to deposits | 75.2043% | 2,741 |
| Net loans and leases to core deposits | 78.5134% | 2,990 |
| Total domestic deposits to total assets | 93.1650% | 115 |
| Equity capital to assets | 6.5200% | 6,789 |
| Core capital (leverage) ratio | 6.4268% | 6,758 |
| Tier 1 risk-based capital ratio | 8.4382% | 6,841 |
| Total risk-based capital ratio | 9.7172% | 6,845 |
| Memoranda: | ||
| Average total assets | $363,230,000 | 1,817 |
| Average earning assets | $333,483,000 | 1,818 |
| Average equity | $23,713,000 | 2,833 |
| Average total loans | $265,005,500 | 1,586 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1141% | 1,277 |
| Cost of funding earning assets | 1.0571% | 1,087 |
| Net interest margin | 4.0570% | 2,155 |
| Noninterest income to average assets | -1.0010% | 7,056 |
| Noninterest expense to average assets | 2.3441% | 5,579 |
| Loan and lease loss provision to assets | 0.7394% | 688 |
| Net operating income to assets | -0.4083% | 6,519 |
| Return on assets (ROA) | -0.3426% | 6,523 |
| Pretax return on assets | -0.3426% | 6,502 |
| Return on Equity (ROE) | -5.1425% | 6,598 |
| Retained earnings to average equity (ytd only) | -5.1425% | 6,434 |
| Net charge-offs to loans | 0.7484% | 1,566 |
| Credit loss provision to net charge-offs | 135.5018% | 2,054 |
| Earnings coverage of net charge-offs (x) | 0.6067% | 5,186 |
| Efficiency ratio | 87.6260% | 1,270 |
| Assets per employee ($millions) | 6.1262% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6664% | 371 |
| Loan loss allowance to noncurrent loans | 86.0847% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 6.6771% | 485 |
| Noncurrent loans to loans | 4.2591% | 1,043 |
| Net loans and leases to total assets | 70.4693% | 1,746 |
| Net loans and leases to deposits | 75.5386% | 2,874 |
| Net loans and leases to core deposits | 78.8777% | 3,155 |
| Total domestic deposits to total assets | 93.2891% | 103 |
| Equity capital to assets | 6.5368% | 6,840 |
| Core capital (leverage) ratio | 6.3112% | 6,823 |
| Tier 1 risk-based capital ratio | 8.3576% | 6,896 |
| Total risk-based capital ratio | 9.6361% | 6,898 |
| Memoranda: | ||
| Average total assets | $363,425,600 | 1,790 |
| Average earning assets | $329,304,800 | 1,796 |
| Average equity | $24,209,800 | 2,734 |
| Average total loans | $264,969,400 | 1,565 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1226% | 1,375 |
| Cost of funding earning assets | 1.0939% | 1,083 |
| Net interest margin | 4.0287% | 2,385 |
| Noninterest income to average assets | -1.1841% | 7,160 |
| Noninterest expense to average assets | 2.3657% | 5,502 |
| Loan and lease loss provision to assets | 0.5356% | 1,103 |
| Net operating income to assets | -0.4503% | 6,675 |
| Return on assets (ROA) | -0.3627% | 6,672 |
| Pretax return on assets | -0.3627% | 6,636 |
| Return on Equity (ROE) | -5.4196% | 6,729 |
| Retained earnings to average equity (ytd only) | -5.4196% | 6,639 |
| Net charge-offs to loans | 0.6146% | 1,792 |
| Credit loss provision to net charge-offs | 119.6399% | 2,424 |
| Earnings coverage of net charge-offs (x) | 0.1907% | 5,231 |
| Efficiency ratio | 96.5172% | 655 |
| Assets per employee ($millions) | 6.2552% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4207% | 497 |
| Loan loss allowance to noncurrent loans | 73.6632% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 7.5731% | 432 |
| Noncurrent loans to loans | 4.6437% | 1,005 |
| Net loans and leases to total assets | 70.6119% | 1,801 |
| Net loans and leases to deposits | 77.0544% | 2,802 |
| Net loans and leases to core deposits | 80.4859% | 3,142 |
| Total domestic deposits to total assets | 91.6390% | 262 |
| Equity capital to assets | 6.4521% | 6,947 |
| Core capital (leverage) ratio | 6.2715% | 6,917 |
| Tier 1 risk-based capital ratio | 8.1875% | 6,982 |
| Total risk-based capital ratio | 9.4626% | 6,983 |
| Memoranda: | ||
| Average total assets | $363,921,000 | 1,814 |
| Average earning assets | $328,367,250 | 1,830 |
| Average equity | $24,355,500 | 2,747 |
| Average total loans | $265,111,500 | 1,575 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 1,346 |
| Cost of funding earning assets | 1.1291% | 1,099 |
| Net interest margin | 4.0338% | 2,367 |
| Noninterest income to average assets | -1.0480% | 7,224 |
| Noninterest expense to average assets | 2.3484% | 5,621 |
| Loan and lease loss provision to assets | 0.5312% | 1,178 |
| Net operating income to assets | -0.2998% | 6,615 |
| Return on assets (ROA) | -0.1679% | 6,595 |
| Pretax return on assets | -0.1679% | 6,569 |
| Return on Equity (ROE) | -2.4779% | 6,644 |
| Retained earnings to average equity (ytd only) | -2.4779% | 6,409 |
| Net charge-offs to loans | 0.7323% | 1,509 |
| Credit loss provision to net charge-offs | 99.6891% | 2,785 |
| Earnings coverage of net charge-offs (x) | 0.4342% | 4,858 |
| Efficiency ratio | 91.0317% | 992 |
| Assets per employee ($millions) | 6.1556% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3820% | 548 |
| Loan loss allowance to noncurrent loans | 116.5478% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 6.9987% | 561 |
| Noncurrent loans to loans | 2.9019% | 2,059 |
| Net loans and leases to total assets | 70.6918% | 1,789 |
| Net loans and leases to deposits | 77.2669% | 2,791 |
| Net loans and leases to core deposits | 81.8490% | 2,983 |
| Total domestic deposits to total assets | 91.4905% | 315 |
| Equity capital to assets | 6.7013% | 6,954 |
| Core capital (leverage) ratio | 6.5384% | 6,918 |
| Tier 1 risk-based capital ratio | 8.5009% | 7,013 |
| Total risk-based capital ratio | 9.7751% | 7,014 |
| Memoranda: | ||
| Average total assets | $362,209,000 | 1,823 |
| Average earning assets | $325,743,670 | 1,842 |
| Average equity | $24,536,670 | 2,718 |
| Average total loans | $263,539,330 | 1,584 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1453% | 1,445 |
| Cost of funding earning assets | 1.1541% | 1,163 |
| Net interest margin | 3.9913% | 2,545 |
| Noninterest income to average assets | -0.7210% | 7,267 |
| Noninterest expense to average assets | 2.3289% | 5,694 |
| Loan and lease loss provision to assets | 0.5651% | 1,027 |
| Net operating income to assets | -0.0276% | 6,453 |
| Return on assets (ROA) | 0.2366% | 6,013 |
| Pretax return on assets | 0.2366% | 6,119 |
| Return on Equity (ROE) | 3.4746% | 5,522 |
| Retained earnings to average equity (ytd only) | 3.4746% | 4,496 |
| Net charge-offs to loans | 0.5868% | 1,626 |
| Credit loss provision to net charge-offs | 132.7273% | 1,840 |
| Earnings coverage of net charge-offs (x) | 1.2623% | 3,703 |
| Efficiency ratio | 81.2500% | 2,048 |
| Assets per employee ($millions) | 6.3521% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4816% | 545 |
| Loan loss allowance to noncurrent loans | 126.2254% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 7.0898% | 595 |
| Noncurrent loans to loans | 2.7583% | 2,355 |
| Net loans and leases to total assets | 69.7977% | 1,786 |
| Net loans and leases to deposits | 76.3180% | 2,746 |
| Net loans and leases to core deposits | 79.7752% | 3,097 |
| Total domestic deposits to total assets | 91.4563% | 385 |
| Equity capital to assets | 6.8319% | 6,962 |
| Core capital (leverage) ratio | 6.6598% | 6,937 |
| Tier 1 risk-based capital ratio | 8.7882% | 7,050 |
| Total risk-based capital ratio | 10.0638% | 7,054 |
| Memoranda: | ||
| Average total assets | $361,722,500 | 1,831 |
| Average earning assets | $325,109,500 | 1,855 |
| Average equity | $24,636,000 | 2,700 |
| Average total loans | $262,445,500 | 1,597 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2834% | 1,759 |
| Cost of funding earning assets | 1.3721% | 1,156 |
| Net interest margin | 3.9113% | 3,284 |
| Noninterest income to average assets | -0.3479% | 7,224 |
| Noninterest expense to average assets | 2.1192% | 6,454 |
| Loan and lease loss provision to assets | 0.7553% | 1,332 |
| Net operating income to assets | 0.3176% | 5,195 |
| Return on assets (ROA) | 0.3178% | 5,344 |
| Pretax return on assets | 0.3178% | 5,517 |
| Return on Equity (ROE) | 4.8671% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.8671% | 2,732 |
| Net charge-offs to loans | 1.1588% | 1,467 |
| Credit loss provision to net charge-offs | 89.6721% | 4,015 |
| Earnings coverage of net charge-offs (x) | 1.2738% | 4,825 |
| Efficiency ratio | 66.3898% | 4,686 |
| Assets per employee ($millions) | 6.3399% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4175% | 568 |
| Loan loss allowance to noncurrent loans | 113.4385% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 7.1056% | 641 |
| Noncurrent loans to loans | 3.0126% | 2,157 |
| Net loans and leases to total assets | 70.3061% | 1,968 |
| Net loans and leases to deposits | 76.7247% | 3,054 |
| Net loans and leases to core deposits | 80.0573% | 3,447 |
| Total domestic deposits to total assets | 91.6342% | 296 |
| Equity capital to assets | 6.7896% | 7,013 |
| Core capital (leverage) ratio | 6.5389% | 6,974 |
| Tier 1 risk-based capital ratio | 8.6798% | 7,067 |
| Total risk-based capital ratio | 9.9550% | 7,063 |
| Memoranda: | ||
| Average total assets | $362,125,800 | 1,797 |
| Average earning assets | $327,741,000 | 1,806 |
| Average equity | $23,648,600 | 2,711 |
| Average total loans | $263,197,600 | 1,598 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2794% | 1,943 |
| Cost of funding earning assets | 1.4159% | 1,161 |
| Net interest margin | 3.8635% | 3,555 |
| Noninterest income to average assets | -0.3356% | 7,308 |
| Noninterest expense to average assets | 2.0880% | 6,518 |
| Loan and lease loss provision to assets | 0.7761% | 1,213 |
| Net operating income to assets | 0.3007% | 5,393 |
| Return on assets (ROA) | 0.3007% | 5,565 |
| Pretax return on assets | 0.3007% | 5,706 |
| Return on Equity (ROE) | 4.6499% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.6499% | 3,412 |
| Net charge-offs to loans | 0.7304% | 2,099 |
| Credit loss provision to net charge-offs | 146.2552% | 2,156 |
| Earnings coverage of net charge-offs (x) | 2.0291% | 4,130 |
| Efficiency ratio | 65.9767% | 4,723 |
| Assets per employee ($millions) | 6.4255% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7946% | 453 |
| Loan loss allowance to noncurrent loans | 107.7239% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 7.7099% | 598 |
| Noncurrent loans to loans | 3.5225% | 1,952 |
| Net loans and leases to total assets | 69.0292% | 2,268 |
| Net loans and leases to deposits | 75.4617% | 3,420 |
| Net loans and leases to core deposits | 78.2230% | 3,867 |
| Total domestic deposits to total assets | 91.4759% | 303 |
| Equity capital to assets | 6.5908% | 7,125 |
| Core capital (leverage) ratio | 6.5700% | 7,060 |
| Tier 1 risk-based capital ratio | 8.4767% | 7,156 |
| Total risk-based capital ratio | 9.7558% | 7,158 |
| Memoranda: | ||
| Average total assets | $362,313,000 | 1,803 |
| Average earning assets | $328,263,250 | 1,811 |
| Average equity | $23,426,750 | 2,735 |
| Average total loans | $263,232,000 | 1,614 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3069% | 1,862 |
| Cost of funding earning assets | 1.4907% | 1,034 |
| Net interest margin | 3.8162% | 3,707 |
| Noninterest income to average assets | -0.4122% | 7,415 |
| Noninterest expense to average assets | 2.1917% | 6,404 |
| Loan and lease loss provision to assets | 0.5141% | 1,905 |
| Net operating income to assets | 0.3413% | 5,211 |
| Return on assets (ROA) | 0.3413% | 5,344 |
| Pretax return on assets | 0.3413% | 5,571 |
| Return on Equity (ROE) | 5.3128% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.3128% | 2,798 |
| Net charge-offs to loans | 0.8695% | 1,779 |
| Credit loss provision to net charge-offs | 81.0480% | 3,737 |
| Earnings coverage of net charge-offs (x) | 1.3485% | 4,275 |
| Efficiency ratio | 71.9273% | 3,749 |
| Assets per employee ($millions) | 6.2802% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4272% | 631 |
| Loan loss allowance to noncurrent loans | 91.3183% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 8.2570% | 543 |
| Noncurrent loans to loans | 3.7531% | 1,869 |
| Net loans and leases to total assets | 71.5364% | 1,874 |
| Net loans and leases to deposits | 79.0661% | 2,957 |
| Net loans and leases to core deposits | 83.4040% | 3,306 |
| Total domestic deposits to total assets | 90.4767% | 722 |
| Equity capital to assets | 6.6379% | 7,161 |
| Core capital (leverage) ratio | 6.3982% | 7,143 |
| Tier 1 risk-based capital ratio | 8.4057% | 7,218 |
| Total risk-based capital ratio | 9.6808% | 7,220 |
| Memoranda: | ||
| Average total assets | $360,999,000 | 1,819 |
| Average earning assets | $327,234,670 | 1,819 |
| Average equity | $23,189,330 | 2,744 |
| Average total loans | $263,377,670 | 1,635 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2449% | 2,071 |
| Cost of funding earning assets | 1.5590% | 950 |
| Net interest margin | 3.6859% | 4,175 |
| Noninterest income to average assets | -0.4866% | 7,495 |
| Noninterest expense to average assets | 2.1517% | 6,524 |
| Loan and lease loss provision to assets | 0.5197% | 1,671 |
| Net operating income to assets | 0.1865% | 5,830 |
| Return on assets (ROA) | 0.1865% | 5,889 |
| Pretax return on assets | 0.1865% | 5,973 |
| Return on Equity (ROE) | 2.9516% | 5,395 |
| Retained earnings to average equity (ytd only) | 2.9516% | 4,395 |
| Net charge-offs to loans | 0.1615% | 3,514 |
| Credit loss provision to net charge-offs | 444.3396% | 789 |
| Earnings coverage of net charge-offs (x) | 6.0377% | 2,163 |
| Efficiency ratio | 75.2896% | 3,283 |
| Assets per employee ($millions) | 6.5140% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6520% | 540 |
| Loan loss allowance to noncurrent loans | 112.6121% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 7.0025% | 766 |
| Noncurrent loans to loans | 3.2430% | 2,320 |
| Net loans and leases to total assets | 69.9358% | 2,138 |
| Net loans and leases to deposits | 76.7752% | 3,288 |
| Net loans and leases to core deposits | 80.3668% | 3,694 |
| Total domestic deposits to total assets | 91.0917% | 584 |
| Equity capital to assets | 6.2991% | 7,249 |
| Core capital (leverage) ratio | 6.2646% | 7,214 |
| Tier 1 risk-based capital ratio | 8.3617% | 7,265 |
| Total risk-based capital ratio | 9.6403% | 7,268 |
| Memoranda: | ||
| Average total assets | $362,512,000 | 1,816 |
| Average earning assets | $328,928,500 | 1,824 |
| Average equity | $22,903,000 | 2,757 |
| Average total loans | $262,482,000 | 1,659 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2957% | 3,148 |
| Cost of funding earning assets | 2.0482% | 509 |
| Net interest margin | 3.2475% | 6,145 |
| Noninterest income to average assets | -0.3462% | 7,525 |
| Noninterest expense to average assets | 2.2513% | 6,478 |
| Loan and lease loss provision to assets | 0.7658% | 2,139 |
| Net operating income to assets | -0.4274% | 6,338 |
| Return on assets (ROA) | -0.3861% | 6,329 |
| Pretax return on assets | -0.3861% | 6,234 |
| Return on Equity (ROE) | -6.1011% | 6,505 |
| Retained earnings to average equity (ytd only) | -6.1011% | 6,394 |
| Net charge-offs to loans | 1.2731% | 1,768 |
| Credit loss provision to net charge-offs | 83.2113% | 5,424 |
| Earnings coverage of net charge-offs (x) | 0.3677% | 5,739 |
| Efficiency ratio | 86.9325% | 1,577 |
| Assets per employee ($millions) | 6.3200% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5764% | 557 |
| Loan loss allowance to noncurrent loans | 146.0066% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 6.7955% | 824 |
| Noncurrent loans to loans | 2.4495% | 3,074 |
| Net loans and leases to total assets | 69.6409% | 2,620 |
| Net loans and leases to deposits | 76.3722% | 3,784 |
| Net loans and leases to core deposits | 80.6561% | 4,110 |
| Total domestic deposits to total assets | 91.1862% | 514 |
| Equity capital to assets | 6.3369% | 7,287 |
| Core capital (leverage) ratio | 6.1059% | 7,281 |
| Tier 1 risk-based capital ratio | 8.3762% | 7,315 |
| Total risk-based capital ratio | 9.6534% | 7,323 |
| Memoranda: | ||
| Average total assets | $370,849,400 | 1,775 |
| Average earning assets | $335,272,600 | 1,777 |
| Average equity | $23,471,200 | 2,707 |
| Average total loans | $268,093,400 | 1,661 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 3,618 |
| Cost of funding earning assets | 2.1193% | 507 |
| Net interest margin | 3.1229% | 6,556 |
| Noninterest income to average assets | -0.0989% | 7,538 |
| Noninterest expense to average assets | 2.2079% | 6,583 |
| Loan and lease loss provision to assets | 0.5351% | 2,799 |
| Net operating income to assets | -0.0193% | 6,027 |
| Return on assets (ROA) | 0.0389% | 6,043 |
| Pretax return on assets | 0.0389% | 6,025 |
| Return on Equity (ROE) | 0.6150% | 5,987 |
| Retained earnings to average equity (ytd only) | 0.6150% | 5,552 |
| Net charge-offs to loans | 1.1597% | 1,759 |
| Credit loss provision to net charge-offs | 63.8144% | 5,594 |
| Earnings coverage of net charge-offs (x) | 0.6152% | 5,417 |
| Efficiency ratio | 81.0616% | 2,194 |
| Assets per employee ($millions) | 6.5505% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4516% | 558 |
| Loan loss allowance to noncurrent loans | 110.9227% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 7.3824% | 717 |
| Noncurrent loans to loans | 3.1117% | 2,562 |
| Net loans and leases to total assets | 67.6342% | 3,301 |
| Net loans and leases to deposits | 75.4307% | 4,277 |
| Net loans and leases to core deposits | 79.1300% | 4,639 |
| Total domestic deposits to total assets | 89.6640% | 1,041 |
| Equity capital to assets | 6.6193% | 7,408 |
| Core capital (leverage) ratio | 6.3519% | 7,373 |
| Tier 1 risk-based capital ratio | 8.7543% | 7,410 |
| Total risk-based capital ratio | 10.0294% | 7,416 |
| Memoranda: | ||
| Average total assets | $373,501,500 | 1,783 |
| Average earning assets | $337,582,750 | 1,796 |
| Average equity | $23,632,000 | 2,736 |
| Average total loans | $270,071,750 | 1,668 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2784% | 3,570 |
| Cost of funding earning assets | 2.1701% | 510 |
| Net interest margin | 3.1083% | 6,590 |
| Noninterest income to average assets | -0.0535% | 7,589 |
| Noninterest expense to average assets | 2.1550% | 6,755 |
| Loan and lease loss provision to assets | 0.5268% | 2,680 |
| Net operating income to assets | 0.0760% | 5,935 |
| Return on assets (ROA) | 0.1065% | 5,961 |
| Pretax return on assets | 0.1065% | 5,965 |
| Return on Equity (ROE) | 1.7103% | 5,728 |
| Retained earnings to average equity (ytd only) | 1.7103% | 5,020 |
| Net charge-offs to loans | 1.3220% | 1,435 |
| Credit loss provision to net charge-offs | 54.5455% | 5,324 |
| Earnings coverage of net charge-offs (x) | 0.6242% | 5,112 |
| Efficiency ratio | 78.1402% | 2,706 |
| Assets per employee ($millions) | 6.6021% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4342% | 582 |
| Loan loss allowance to noncurrent loans | 89.3206% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 7.6440% | 665 |
| Noncurrent loans to loans | 3.8449% | 2,000 |
| Net loans and leases to total assets | 67.6811% | 3,459 |
| Net loans and leases to deposits | 75.3477% | 4,447 |
| Net loans and leases to core deposits | 79.6217% | 4,730 |
| Total domestic deposits to total assets | 89.8251% | 1,006 |
| Equity capital to assets | 6.5179% | 7,464 |
| Core capital (leverage) ratio | 6.3512% | 7,418 |
| Tier 1 risk-based capital ratio | 8.5773% | 7,475 |
| Total risk-based capital ratio | 9.8520% | 7,486 |
| Memoranda: | ||
| Average total assets | $373,543,330 | 1,799 |
| Average earning assets | $337,867,330 | 1,812 |
| Average equity | $23,271,000 | 2,764 |
| Average total loans | $272,909,670 | 1,677 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3552% | 3,271 |
| Cost of funding earning assets | 2.1993% | 592 |
| Net interest margin | 3.1559% | 6,433 |
| Noninterest income to average assets | 0.2236% | 6,365 |
| Noninterest expense to average assets | 2.0594% | 7,038 |
| Loan and lease loss provision to assets | 0.7352% | 1,728 |
| Net operating income to assets | 0.2762% | 5,394 |
| Return on assets (ROA) | 0.3375% | 5,255 |
| Pretax return on assets | 0.3375% | 5,497 |
| Return on Equity (ROE) | 5.5471% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.5471% | 2,845 |
| Net charge-offs to loans | 1.9432% | 885 |
| Credit loss provision to net charge-offs | 50.7418% | 4,471 |
| Earnings coverage of net charge-offs (x) | 0.6981% | 4,404 |
| Efficiency ratio | 67.0634% | 4,904 |
| Assets per employee ($millions) | 6.9691% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3689% | 595 |
| Loan loss allowance to noncurrent loans | 74.5349% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 8.3655% | 580 |
| Noncurrent loans to loans | 4.5199% | 1,655 |
| Net loans and leases to total assets | 70.2278% | 2,873 |
| Net loans and leases to deposits | 77.8385% | 4,073 |
| Net loans and leases to core deposits | 83.3748% | 4,284 |
| Total domestic deposits to total assets | 90.2224% | 872 |
| Equity capital to assets | 6.3375% | 7,564 |
| Core capital (leverage) ratio | 6.3255% | 7,524 |
| Tier 1 risk-based capital ratio | 8.1345% | 7,598 |
| Total risk-based capital ratio | 9.4099% | 7,601 |
| Memoranda: | ||
| Average total assets | $372,155,500 | 1,842 |
| Average earning assets | $335,747,500 | 1,865 |
| Average equity | $22,642,500 | 2,857 |
| Average total loans | $277,487,000 | 1,693 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5375% | 3,940 |
| Cost of funding earning assets | 2.9380% | 274 |
| Net interest margin | 2.5995% | 7,332 |
| Noninterest income to average assets | -0.3919% | 7,918 |
| Noninterest expense to average assets | 2.2171% | 6,950 |
| Loan and lease loss provision to assets | 2.4300% | 831 |
| Net operating income to assets | -2.7552% | 7,339 |
| Return on assets (ROA) | -2.7346% | 7,341 |
| Pretax return on assets | -2.7346% | 7,222 |
| Return on Equity (ROE) | -39.1972% | 7,557 |
| Retained earnings to average equity (ytd only) | -40.1359% | 7,556 |
| Net charge-offs to loans | 2.3408% | 988 |
| Credit loss provision to net charge-offs | 133.7952% | 3,727 |
| Earnings coverage of net charge-offs (x) | -0.1790% | 6,417 |
| Efficiency ratio | 117.1847% | 655 |
| Assets per employee ($millions) | 6.9430% | 820 |
| Cash dividends to net income (ytd only)* | -2.3948% | 7,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5094% | 522 |
| Loan loss allowance to noncurrent loans | 70.6177% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 8.3475% | 517 |
| Noncurrent loans to loans | 4.9696% | 1,362 |
| Net loans and leases to total assets | 73.8065% | 2,315 |
| Net loans and leases to deposits | 81.3131% | 3,735 |
| Net loans and leases to core deposits | 122.1609% | 1,766 |
| Total domestic deposits to total assets | 90.7682% | 632 |
| Equity capital to assets | 5.8250% | 7,686 |
| Core capital (leverage) ratio | 5.6299% | 7,691 |
| Tier 1 risk-based capital ratio | 7.1050% | 7,736 |
| Total risk-based capital ratio | 8.3806% | 7,740 |
| Memoranda: | ||
| Average total assets | $389,375,000 | 1,764 |
| Average earning assets | $342,101,600 | 1,827 |
| Average equity | $27,165,200 | 2,430 |
| Average total loans | $302,113,200 | 1,590 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5401% | 4,212 |
| Cost of funding earning assets | 3.0998% | 243 |
| Net interest margin | 2.4403% | 7,524 |
| Noninterest income to average assets | -0.5519% | 8,049 |
| Noninterest expense to average assets | 2.2098% | 6,949 |
| Loan and lease loss provision to assets | 1.9851% | 916 |
| Net operating income to assets | -2.6144% | 7,486 |
| Return on assets (ROA) | -2.5874% | 7,485 |
| Pretax return on assets | -2.5874% | 7,379 |
| Return on Equity (ROE) | -35.7129% | 7,711 |
| Retained earnings to average equity (ytd only) | -36.9017% | 7,714 |
| Net charge-offs to loans | 2.2399% | 855 |
| Credit loss provision to net charge-offs | 113.8512% | 4,464 |
| Earnings coverage of net charge-offs (x) | -0.3609% | 6,394 |
| Efficiency ratio | 139.8162% | 388 |
| Assets per employee ($millions) | 6.0199% | 1,207 |
| Cash dividends to net income (ytd only)* | -3.3290% | 7,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8453% | 754 |
| Loan loss allowance to noncurrent loans | 65.1445% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 7.8887% | 551 |
| Noncurrent loans to loans | 4.3677% | 1,622 |
| Net loans and leases to total assets | 72.7007% | 2,857 |
| Net loans and leases to deposits | 81.0043% | 4,196 |
| Net loans and leases to core deposits | 121.7867% | 2,092 |
| Total domestic deposits to total assets | 89.7491% | 869 |
| Equity capital to assets | 6.4401% | 7,774 |
| Core capital (leverage) ratio | 6.2029% | 7,759 |
| Tier 1 risk-based capital ratio | 7.8565% | 7,813 |
| Total risk-based capital ratio | 9.1048% | 7,821 |
| Memoranda: | ||
| Average total assets | $394,723,750 | 1,755 |
| Average earning assets | $344,918,250 | 1,825 |
| Average equity | $28,597,750 | 2,351 |
| Average total loans | $307,273,750 | 1,579 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 4,677 |
| Cost of funding earning assets | 3.1608% | 295 |
| Net interest margin | 2.3318% | 7,647 |
| Noninterest income to average assets | -0.5348% | 8,121 |
| Noninterest expense to average assets | 2.2479% | 6,925 |
| Loan and lease loss provision to assets | 2.1268% | 749 |
| Net operating income to assets | -2.8582% | 7,643 |
| Return on assets (ROA) | -2.8180% | 7,629 |
| Pretax return on assets | -2.8180% | 7,512 |
| Return on Equity (ROE) | -37.5490% | 7,820 |
| Retained earnings to average equity (ytd only) | -39.2570% | 7,825 |
| Net charge-offs to loans | 1.6276% | 1,163 |
| Credit loss provision to net charge-offs | 165.7915% | 2,767 |
| Earnings coverage of net charge-offs (x) | -0.5701% | 6,111 |
| Efficiency ratio | 148.2267% | 380 |
| Assets per employee ($millions) | 6.0943% | 1,165 |
| Cash dividends to net income (ytd only)* | -4.5487% | 7,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0633% | 536 |
| Loan loss allowance to noncurrent loans | 64.2507% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 8.6720% | 404 |
| Noncurrent loans to loans | 4.7677% | 1,318 |
| Net loans and leases to total assets | 74.3663% | 2,601 |
| Net loans and leases to deposits | 83.2882% | 3,998 |
| Net loans and leases to core deposits | 125.8387% | 1,891 |
| Total domestic deposits to total assets | 89.2880% | 1,130 |
| Equity capital to assets | 6.7814% | 7,717 |
| Core capital (leverage) ratio | 6.6136% | 7,737 |
| Tier 1 risk-based capital ratio | 8.1811% | 7,897 |
| Total risk-based capital ratio | 9.4359% | 7,918 |
| Memoranda: | ||
| Average total assets | $397,874,000 | 1,770 |
| Average earning assets | $350,033,670 | 1,818 |
| Average equity | $29,859,670 | 2,273 |
| Average total loans | $313,598,670 | 1,582 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4265% | 5,284 |
| Cost of funding earning assets | 3.1689% | 375 |
| Net interest margin | 2.2576% | 7,752 |
| Noninterest income to average assets | -0.0070% | 8,092 |
| Noninterest expense to average assets | 2.0140% | 7,320 |
| Loan and lease loss provision to assets | 1.2424% | 1,041 |
| Net operating income to assets | -1.2484% | 7,392 |
| Return on assets (ROA) | -1.2484% | 7,407 |
| Pretax return on assets | -1.2484% | 7,274 |
| Return on Equity (ROE) | -15.8913% | 7,643 |
| Retained earnings to average equity (ytd only) | -17.3486% | 7,553 |
| Net charge-offs to loans | 0.7781% | 1,655 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | -0.0096% | 4,990 |
| Efficiency ratio | 100.2975% | 1,116 |
| Assets per employee ($millions) | 6.1040% | 1,141 |
| Cash dividends to net income (ytd only)* | -9.1707% | 8,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5790% | 706 |
| Loan loss allowance to noncurrent loans | 50.2665% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 9.0014% | 277 |
| Noncurrent loans to loans | 5.1306% | 1,054 |
| Net loans and leases to total assets | 77.2235% | 1,988 |
| Net loans and leases to deposits | 87.0825% | 3,454 |
| Net loans and leases to core deposits | 132.0433% | 1,539 |
| Total domestic deposits to total assets | 88.6785% | 1,391 |
| Equity capital to assets | 7.8279% | 7,032 |
| Core capital (leverage) ratio | 7.6502% | 6,952 |
| Tier 1 risk-based capital ratio | 9.0961% | 7,734 |
| Total risk-based capital ratio | 10.3435% | 7,752 |
| Memoranda: | ||
| Average total assets | $401,792,000 | 1,754 |
| Average earning assets | $358,608,000 | 1,792 |
| Average equity | $31,564,500 | 2,145 |
| Average total loans | $320,786,500 | 1,569 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0787% | 5,148 |
| Cost of funding earning assets | 3.5570% | 447 |
| Net interest margin | 2.5217% | 7,733 |
| Noninterest income to average assets | 0.1295% | 7,464 |
| Noninterest expense to average assets | 1.9813% | 7,476 |
| Loan and lease loss provision to assets | 2.2932% | 491 |
| Net operating income to assets | -1.7832% | 7,550 |
| Return on assets (ROA) | -1.7396% | 7,492 |
| Pretax return on assets | -1.7396% | 7,354 |
| Return on Equity (ROE) | -20.9993% | 7,782 |
| Retained earnings to average equity (ytd only) | -21.2856% | 7,712 |
| Net charge-offs to loans | 1.9704% | 550 |
| Credit loss provision to net charge-offs | 139.9739% | 3,796 |
| Earnings coverage of net charge-offs (x) | 0.3113% | 6,048 |
| Efficiency ratio | 79.5297% | 2,667 |
| Assets per employee ($millions) | 5.7299% | 1,300 |
| Cash dividends to net income (ytd only)* | -1.3635% | 7,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2894% | 866 |
| Loan loss allowance to noncurrent loans | 28.9123% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 9.1310% | 214 |
| Noncurrent loans to loans | 7.9185% | 348 |
| Net loans and leases to total assets | 78.5553% | 1,990 |
| Net loans and leases to deposits | 89.6632% | 3,509 |
| Net loans and leases to core deposits | 135.9119% | 1,493 |
| Total domestic deposits to total assets | 87.6116% | 1,667 |
| Equity capital to assets | 7.8833% | 6,993 |
| Core capital (leverage) ratio | 7.7810% | 6,833 |
| Tier 1 risk-based capital ratio | 9.1633% | 7,653 |
| Total risk-based capital ratio | 10.4245% | 7,602 |
| Memoranda: | ||
| Average total assets | $421,602,200 | 1,616 |
| Average earning assets | $394,854,000 | 1,577 |
| Average equity | $34,925,000 | 1,937 |
| Average total loans | $350,536,200 | 1,383 |