Home > Community South Bank > Performance and Condition Ratios
Community South Bank, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8616% | 1,189 |
| Cost of funding earning assets | 0.8719% | 1,023 |
| Net interest margin | 3.9897% | 1,898 |
| Noninterest income to average assets | -1.0695% | 6,928 |
| Noninterest expense to average assets | 3.0227% | 2,928 |
| Loan and lease loss provision to assets | 2.0831% | 49 |
| Net operating income to assets | -2.9889% | 6,897 |
| Return on assets (ROA) | -2.9889% | 6,898 |
| Pretax return on assets | -2.9889% | 6,893 |
| Return on Equity (ROE) | -141.4568% | 6,936 |
| Retained earnings to average equity (ytd only) | -141.4568% | 6,936 |
| Net charge-offs to loans | 2.6532% | 134 |
| Credit loss provision to net charge-offs | 108.7539% | 2,040 |
| Earnings coverage of net charge-offs (x) | -0.4729% | 4,658 |
| Efficiency ratio | 142.7926% | 89 |
| Assets per employee ($millions) | 3.0953% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9594% | 608 |
| Loan loss allowance to noncurrent loans | 19.0384% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 21.8052% | 15 |
| Noncurrent loans to loans | 15.5444% | 43 |
| Net loans and leases to total assets | 66.9188% | 2,430 |
| Net loans and leases to deposits | 68.5553% | 3,928 |
| Net loans and leases to core deposits | 71.7692% | 4,072 |
| Total domestic deposits to total assets | 97.6129% | 4 |
| Equity capital to assets | 1.3223% | 6,932 |
| Core capital (leverage) ratio | 0.5618% | 6,937 |
| Tier 1 risk-based capital ratio | 0.6692% | 6,936 |
| Total risk-based capital ratio | 1.3385% | 6,936 |
| Memoranda: | ||
| Average total assets | $397,201,000 | 1,664 |
| Average earning assets | $317,220,330 | 1,888 |
| Average equity | $8,392,670 | 5,339 |
| Average total loans | $286,747,330 | 1,474 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 1,586 |
| Cost of funding earning assets | 0.9445% | 805 |
| Net interest margin | 3.7384% | 2,704 |
| Noninterest income to average assets | -0.8411% | 7,002 |
| Noninterest expense to average assets | 2.7180% | 3,990 |
| Loan and lease loss provision to assets | 1.4236% | 101 |
| Net operating income to assets | -1.9724% | 6,926 |
| Return on assets (ROA) | -1.9724% | 6,928 |
| Pretax return on assets | -1.9724% | 6,918 |
| Return on Equity (ROE) | -79.1147% | 6,995 |
| Retained earnings to average equity (ytd only) | -79.1147% | 6,993 |
| Net charge-offs to loans | 0.5810% | 1,050 |
| Credit loss provision to net charge-offs | 332.2506% | 734 |
| Earnings coverage of net charge-offs (x) | -1.2807% | 3,981 |
| Efficiency ratio | 125.2979% | 178 |
| Assets per employee ($millions) | 3.2177% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9245% | 713 |
| Loan loss allowance to noncurrent loans | 14.8220% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 22.8854% | 16 |
| Noncurrent loans to loans | 19.7306% | 27 |
| Net loans and leases to total assets | 71.8272% | 1,381 |
| Net loans and leases to deposits | 74.2275% | 2,891 |
| Net loans and leases to core deposits | 78.7550% | 2,962 |
| Total domestic deposits to total assets | 96.7664% | 14 |
| Equity capital to assets | 2.2824% | 6,999 |
| Core capital (leverage) ratio | 2.1239% | 7,000 |
| Tier 1 risk-based capital ratio | 2.4767% | 7,007 |
| Total risk-based capital ratio | 3.7418% | 7,007 |
| Memoranda: | ||
| Average total assets | $402,347,500 | 1,662 |
| Average earning assets | $323,993,000 | 1,864 |
| Average equity | $10,031,000 | 4,980 |
| Average total loans | $296,716,000 | 1,427 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 2,462 |
| Cost of funding earning assets | 1.2455% | 471 |
| Net interest margin | 3.4871% | 4,546 |
| Noninterest income to average assets | 0.5213% | 3,765 |
| Noninterest expense to average assets | 3.0726% | 3,005 |
| Loan and lease loss provision to assets | 1.9595% | 113 |
| Net operating income to assets | -1.5680% | 6,873 |
| Return on assets (ROA) | -1.4648% | 6,860 |
| Pretax return on assets | -1.4648% | 6,838 |
| Return on Equity (ROE) | -47.8761% | 7,016 |
| Retained earnings to average equity (ytd only) | -47.8761% | 7,010 |
| Net charge-offs to loans | 3.2582% | 134 |
| Credit loss provision to net charge-offs | 81.7962% | 3,772 |
| Earnings coverage of net charge-offs (x) | 0.1634% | 5,408 |
| Efficiency ratio | 88.6984% | 1,174 |
| Assets per employee ($millions) | 3.2454% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5160% | 1,112 |
| Loan loss allowance to noncurrent loans | 14.7040% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 21.8227% | 18 |
| Noncurrent loans to loans | 17.1112% | 53 |
| Net loans and leases to total assets | 71.6597% | 1,538 |
| Net loans and leases to deposits | 74.5572% | 3,009 |
| Net loans and leases to core deposits | 85.3451% | 2,393 |
| Total domestic deposits to total assets | 96.1137% | 24 |
| Equity capital to assets | 2.6971% | 7,043 |
| Core capital (leverage) ratio | 2.3717% | 7,050 |
| Tier 1 risk-based capital ratio | 2.9015% | 7,060 |
| Total risk-based capital ratio | 4.1618% | 7,060 |
| Memoranda: | ||
| Average total assets | $500,122,400 | 1,335 |
| Average earning assets | $422,074,800 | 1,427 |
| Average equity | $15,302,000 | 3,895 |
| Average total loans | $367,717,800 | 1,135 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6282% | 3,102 |
| Cost of funding earning assets | 1.2850% | 468 |
| Net interest margin | 3.3432% | 5,237 |
| Noninterest income to average assets | 0.5041% | 3,900 |
| Noninterest expense to average assets | 2.9217% | 3,512 |
| Loan and lease loss provision to assets | 2.4215% | 68 |
| Net operating income to assets | -1.9888% | 7,033 |
| Return on assets (ROA) | -1.8572% | 7,035 |
| Pretax return on assets | -1.8572% | 7,013 |
| Return on Equity (ROE) | -59.3257% | 7,137 |
| Retained earnings to average equity (ytd only) | -59.3257% | 7,133 |
| Net charge-offs to loans | 3.2814% | 152 |
| Credit loss provision to net charge-offs | 100.3593% | 2,949 |
| Earnings coverage of net charge-offs (x) | 0.1793% | 5,240 |
| Efficiency ratio | 87.1009% | 1,293 |
| Assets per employee ($millions) | 3.4656% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7729% | 908 |
| Loan loss allowance to noncurrent loans | 14.3556% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 21.3675% | 29 |
| Noncurrent loans to loans | 19.3158% | 46 |
| Net loans and leases to total assets | 72.7420% | 1,429 |
| Net loans and leases to deposits | 75.4913% | 3,062 |
| Net loans and leases to core deposits | 88.8728% | 2,115 |
| Total domestic deposits to total assets | 96.3581% | 23 |
| Equity capital to assets | 2.3383% | 7,155 |
| Core capital (leverage) ratio | 2.1406% | 7,157 |
| Tier 1 risk-based capital ratio | 2.5676% | 7,168 |
| Total risk-based capital ratio | 3.6958% | 7,171 |
| Memoranda: | ||
| Average total assets | $522,923,250 | 1,292 |
| Average earning assets | $445,834,500 | 1,379 |
| Average equity | $16,370,250 | 3,759 |
| Average total loans | $384,499,000 | 1,100 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6079% | 3,327 |
| Cost of funding earning assets | 1.3441% | 440 |
| Net interest margin | 3.2638% | 5,552 |
| Noninterest income to average assets | 0.3647% | 4,910 |
| Noninterest expense to average assets | 2.7123% | 4,362 |
| Loan and lease loss provision to assets | 0.9183% | 505 |
| Net operating income to assets | -0.4606% | 6,714 |
| Return on assets (ROA) | -0.3451% | 6,697 |
| Pretax return on assets | -0.3451% | 6,666 |
| Return on Equity (ROE) | -10.2681% | 6,909 |
| Retained earnings to average equity (ytd only) | -10.2681% | 6,841 |
| Net charge-offs to loans | 1.9310% | 443 |
| Credit loss provision to net charge-offs | 65.0066% | 3,691 |
| Earnings coverage of net charge-offs (x) | 0.3240% | 4,916 |
| Efficiency ratio | 85.5624% | 1,475 |
| Assets per employee ($millions) | 3.6044% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2787% | 1,627 |
| Loan loss allowance to noncurrent loans | 13.6988% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 17.7749% | 60 |
| Noncurrent loans to loans | 16.6346% | 78 |
| Net loans and leases to total assets | 72.4970% | 1,471 |
| Net loans and leases to deposits | 77.7014% | 2,721 |
| Net loans and leases to core deposits | 93.6482% | 1,641 |
| Total domestic deposits to total assets | 93.3020% | 108 |
| Equity capital to assets | 3.5200% | 7,160 |
| Core capital (leverage) ratio | 3.2628% | 7,164 |
| Tier 1 risk-based capital ratio | 3.9799% | 7,190 |
| Total risk-based capital ratio | 5.2391% | 7,191 |
| Memoranda: | ||
| Average total assets | $540,123,330 | 1,253 |
| Average earning assets | $464,242,330 | 1,331 |
| Average equity | $18,153,330 | 3,475 |
| Average total loans | $395,122,670 | 1,066 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 3,715 |
| Cost of funding earning assets | 1.4731% | 326 |
| Net interest margin | 3.0777% | 6,112 |
| Noninterest income to average assets | 1.4583% | 680 |
| Noninterest expense to average assets | 3.2991% | 2,290 |
| Loan and lease loss provision to assets | 0.5849% | 983 |
| Net operating income to assets | 0.2401% | 5,855 |
| Return on assets (ROA) | 0.3633% | 5,596 |
| Pretax return on assets | 0.3633% | 5,825 |
| Return on Equity (ROE) | 11.0416% | 2,001 |
| Retained earnings to average equity (ytd only) | 11.0416% | 1,015 |
| Net charge-offs to loans | -0.0108% | 5,970 |
| Credit loss provision to net charge-offs | -7,463.6364% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9965% | 2,209 |
| Assets per employee ($millions) | 3.6145% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6831% | 1,135 |
| Loan loss allowance to noncurrent loans | 16.3364% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 16.4217% | 83 |
| Noncurrent loans to loans | 16.4243% | 92 |
| Net loans and leases to total assets | 69.3618% | 1,872 |
| Net loans and leases to deposits | 74.0382% | 3,121 |
| Net loans and leases to core deposits | 97.3596% | 1,176 |
| Total domestic deposits to total assets | 93.6838% | 102 |
| Equity capital to assets | 3.3772% | 7,218 |
| Core capital (leverage) ratio | 3.2558% | 7,222 |
| Tier 1 risk-based capital ratio | 4.1453% | 7,244 |
| Total risk-based capital ratio | 5.4088% | 7,244 |
| Memoranda: | ||
| Average total assets | $561,478,000 | 1,208 |
| Average earning assets | $486,337,000 | 1,273 |
| Average equity | $18,475,500 | 3,430 |
| Average total loans | $408,174,500 | 1,027 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 4,901 |
| Cost of funding earning assets | 1.5912% | 491 |
| Net interest margin | 2.9528% | 6,604 |
| Noninterest income to average assets | 0.8985% | 1,676 |
| Noninterest expense to average assets | 3.6470% | 1,645 |
| Loan and lease loss provision to assets | 0.3885% | 2,662 |
| Net operating income to assets | -0.5353% | 6,514 |
| Return on assets (ROA) | -0.4673% | 6,514 |
| Pretax return on assets | -0.4673% | 6,472 |
| Return on Equity (ROE) | -12.2565% | 6,806 |
| Retained earnings to average equity (ytd only) | -12.2565% | 6,778 |
| Net charge-offs to loans | 2.3950% | 504 |
| Credit loss provision to net charge-offs | 21.1853% | 5,901 |
| Earnings coverage of net charge-offs (x) | -0.0801% | 5,889 |
| Efficiency ratio | 104.1941% | 563 |
| Assets per employee ($millions) | 3.5399% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3080% | 1,606 |
| Loan loss allowance to noncurrent loans | 13.6605% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 16.8740% | 88 |
| Noncurrent loans to loans | 16.8955% | 91 |
| Net loans and leases to total assets | 72.3668% | 1,579 |
| Net loans and leases to deposits | 77.2031% | 2,969 |
| Net loans and leases to core deposits | 102.0924% | 1,021 |
| Total domestic deposits to total assets | 93.7355% | 102 |
| Equity capital to assets | 3.2064% | 7,265 |
| Core capital (leverage) ratio | 3.0786% | 7,262 |
| Tier 1 risk-based capital ratio | 3.7821% | 7,288 |
| Total risk-based capital ratio | 5.0423% | 7,290 |
| Memoranda: | ||
| Average total assets | $616,480,800 | 1,055 |
| Average earning assets | $543,179,600 | 1,100 |
| Average equity | $23,505,800 | 2,727 |
| Average total loans | $472,023,600 | 885 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 5,019 |
| Cost of funding earning assets | 1.6050% | 565 |
| Net interest margin | 2.9593% | 6,652 |
| Noninterest income to average assets | 1.0142% | 1,306 |
| Noninterest expense to average assets | 3.6742% | 1,553 |
| Loan and lease loss provision to assets | 0.2486% | 3,515 |
| Net operating income to assets | -0.2912% | 6,476 |
| Return on assets (ROA) | -0.2023% | 6,469 |
| Pretax return on assets | -0.2023% | 6,414 |
| Return on Equity (ROE) | -5.1207% | 6,681 |
| Retained earnings to average equity (ytd only) | -5.1207% | 6,601 |
| Net charge-offs to loans | 1.7872% | 752 |
| Credit loss provision to net charge-offs | 18.0320% | 5,585 |
| Earnings coverage of net charge-offs (x) | -0.0310% | 5,622 |
| Efficiency ratio | 101.1749% | 629 |
| Assets per employee ($millions) | 3.5442% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5634% | 1,317 |
| Loan loss allowance to noncurrent loans | 15.4574% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 16.4328% | 98 |
| Noncurrent loans to loans | 16.5839% | 100 |
| Net loans and leases to total assets | 73.6209% | 1,390 |
| Net loans and leases to deposits | 79.6785% | 2,694 |
| Net loans and leases to core deposits | 104.6558% | 945 |
| Total domestic deposits to total assets | 92.3974% | 169 |
| Equity capital to assets | 4.1727% | 7,314 |
| Core capital (leverage) ratio | 4.0513% | 7,299 |
| Tier 1 risk-based capital ratio | 4.9796% | 7,322 |
| Total risk-based capital ratio | 6.2432% | 7,324 |
| Memoranda: | ||
| Average total assets | $628,118,500 | 1,039 |
| Average earning assets | $555,516,500 | 1,081 |
| Average equity | $24,813,750 | 2,601 |
| Average total loans | $484,483,500 | 876 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5948% | 4,982 |
| Cost of funding earning assets | 1.6293% | 624 |
| Net interest margin | 2.9655% | 6,670 |
| Noninterest income to average assets | 0.4739% | 4,073 |
| Noninterest expense to average assets | 3.8488% | 1,281 |
| Loan and lease loss provision to assets | 0.3493% | 2,686 |
| Net operating income to assets | -1.0909% | 6,970 |
| Return on assets (ROA) | -0.9600% | 6,938 |
| Pretax return on assets | -0.9600% | 6,888 |
| Return on Equity (ROE) | -24.7297% | 7,194 |
| Retained earnings to average equity (ytd only) | -24.7297% | 7,184 |
| Net charge-offs to loans | 2.4749% | 482 |
| Credit loss provision to net charge-offs | 18.1818% | 5,156 |
| Earnings coverage of net charge-offs (x) | -0.3861% | 5,491 |
| Efficiency ratio | 123.8689% | 306 |
| Assets per employee ($millions) | 3.5399% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 4,447 |
| Loan loss allowance to noncurrent loans | 9.5755% | 6,951 |
| Noncurrent assets plus other real estate owned to assets | 14.8630% | 150 |
| Noncurrent loans to loans | 14.9254% | 140 |
| Net loans and leases to total assets | 75.2206% | 1,199 |
| Net loans and leases to deposits | 82.1207% | 2,439 |
| Net loans and leases to core deposits | 107.7695% | 827 |
| Total domestic deposits to total assets | 91.5977% | 326 |
| Equity capital to assets | 5.1990% | 7,312 |
| Core capital (leverage) ratio | 4.9605% | 7,303 |
| Tier 1 risk-based capital ratio | 6.1491% | 7,356 |
| Total risk-based capital ratio | 7.3999% | 7,360 |
| Memoranda: | ||
| Average total assets | $640,198,670 | 1,026 |
| Average earning assets | $568,472,670 | 1,059 |
| Average equity | $24,852,670 | 2,576 |
| Average total loans | $496,908,000 | 869 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 5,371 |
| Cost of funding earning assets | 1.6939% | 567 |
| Net interest margin | 2.7960% | 6,909 |
| Noninterest income to average assets | 1.6144% | 510 |
| Noninterest expense to average assets | 4.0648% | 963 |
| Loan and lease loss provision to assets | -0.1327% | 7,494 |
| Net operating income to assets | 0.1786% | 5,856 |
| Return on assets (ROA) | 0.3094% | 5,434 |
| Pretax return on assets | 0.3094% | 5,629 |
| Return on Equity (ROE) | 9.4759% | 2,286 |
| Retained earnings to average equity (ytd only) | 9.4759% | 1,241 |
| Net charge-offs to loans | 1.5337% | 886 |
| Credit loss provision to net charge-offs | -11.0601% | 5,591 |
| Earnings coverage of net charge-offs (x) | 0.0382% | 4,555 |
| Efficiency ratio | 98.8843% | 793 |
| Assets per employee ($millions) | 3.6119% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2664% | 731 |
| Loan loss allowance to noncurrent loans | 21.1590% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 14.8828% | 161 |
| Noncurrent loans to loans | 15.4373% | 139 |
| Net loans and leases to total assets | 75.4653% | 1,112 |
| Net loans and leases to deposits | 82.8821% | 2,201 |
| Net loans and leases to core deposits | 114.5147% | 586 |
| Total domestic deposits to total assets | 91.0513% | 601 |
| Equity capital to assets | 3.3151% | 7,472 |
| Core capital (leverage) ratio | 3.2417% | 7,476 |
| Tier 1 risk-based capital ratio | 4.0909% | 7,488 |
| Total risk-based capital ratio | 5.3651% | 7,488 |
| Memoranda: | ||
| Average total assets | $654,097,500 | 1,017 |
| Average earning assets | $583,982,500 | 1,033 |
| Average equity | $21,359,500 | 2,934 |
| Average total loans | $511,696,500 | 857 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5188% | 2,211 |
| Cost of funding earning assets | 2.3698% | 170 |
| Net interest margin | 3.1490% | 6,394 |
| Noninterest income to average assets | -1.5345% | 7,643 |
| Noninterest expense to average assets | 3.6948% | 1,714 |
| Loan and lease loss provision to assets | 2.7084% | 389 |
| Net operating income to assets | -5.2297% | 7,549 |
| Return on assets (ROA) | -5.2842% | 7,561 |
| Pretax return on assets | -5.2551% | 7,551 |
| Return on Equity (ROE) | -74.8919% | 7,532 |
| Retained earnings to average equity (ytd only) | -74.8919% | 7,531 |
| Net charge-offs to loans | 1.0244% | 2,146 |
| Credit loss provision to net charge-offs | 319.3001% | 815 |
| Earnings coverage of net charge-offs (x) | -2.9382% | 6,738 |
| Efficiency ratio | 307.2575% | 26 |
| Assets per employee ($millions) | 3.5960% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5941% | 549 |
| Loan loss allowance to noncurrent loans | 23.2962% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 14.2432% | 188 |
| Noncurrent loans to loans | 15.4280% | 149 |
| Net loans and leases to total assets | 75.6211% | 1,345 |
| Net loans and leases to deposits | 82.8418% | 2,652 |
| Net loans and leases to core deposits | 117.0858% | 603 |
| Total domestic deposits to total assets | 91.2838% | 469 |
| Equity capital to assets | 3.2170% | 7,548 |
| Core capital (leverage) ratio | 2.9601% | 7,559 |
| Tier 1 risk-based capital ratio | 3.9600% | 7,567 |
| Total risk-based capital ratio | 5.2389% | 7,569 |
| Memoranda: | ||
| Average total assets | $673,764,000 | 984 |
| Average earning assets | $585,617,000 | 1,030 |
| Average equity | $47,539,200 | 1,406 |
| Average total loans | $557,907,000 | 810 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7400% | 1,575 |
| Cost of funding earning assets | 2.4305% | 181 |
| Net interest margin | 3.3095% | 5,986 |
| Noninterest income to average assets | 0.8014% | 2,229 |
| Noninterest expense to average assets | 3.6024% | 1,786 |
| Loan and lease loss provision to assets | 0.9023% | 1,681 |
| Net operating income to assets | -0.7975% | 6,793 |
| Return on assets (ROA) | -0.7975% | 6,825 |
| Pretax return on assets | -0.8493% | 6,771 |
| Return on Equity (ROE) | -9.9759% | 6,930 |
| Retained earnings to average equity (ytd only) | -9.9759% | 6,880 |
| Net charge-offs to loans | 0.6788% | 2,727 |
| Credit loss provision to net charge-offs | 158.4775% | 2,405 |
| Earnings coverage of net charge-offs (x) | 0.0931% | 5,932 |
| Efficiency ratio | 98.5503% | 803 |
| Assets per employee ($millions) | 3.7175% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 4,248 |
| Loan loss allowance to noncurrent loans | 15.7093% | 7,059 |
| Noncurrent assets plus other real estate owned to assets | 10.3100% | 383 |
| Noncurrent loans to loans | 9.1805% | 512 |
| Net loans and leases to total assets | 78.0374% | 1,033 |
| Net loans and leases to deposits | 89.3047% | 1,823 |
| Net loans and leases to core deposits | 127.5397% | 422 |
| Total domestic deposits to total assets | 87.3833% | 2,329 |
| Equity capital to assets | 7.7357% | 6,978 |
| Core capital (leverage) ratio | 7.5488% | 6,817 |
| Tier 1 risk-based capital ratio | 9.1960% | 7,328 |
| Total risk-based capital ratio | 10.4475% | 7,339 |
| Memoranda: | ||
| Average total assets | $676,789,250 | 988 |
| Average earning assets | $583,633,500 | 1,038 |
| Average equity | $54,102,500 | 1,235 |
| Average total loans | $567,631,000 | 795 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7504% | 1,551 |
| Cost of funding earning assets | 2.3866% | 248 |
| Net interest margin | 3.3638% | 5,782 |
| Noninterest income to average assets | 1.7423% | 435 |
| Noninterest expense to average assets | 3.5215% | 1,978 |
| Loan and lease loss provision to assets | 0.4911% | 2,840 |
| Net operating income to assets | 0.6175% | 3,797 |
| Return on assets (ROA) | 0.6175% | 3,933 |
| Pretax return on assets | 0.6658% | 4,351 |
| Return on Equity (ROE) | 7.6406% | 3,038 |
| Retained earnings to average equity (ytd only) | 7.6406% | 1,580 |
| Net charge-offs to loans | 0.3318% | 3,665 |
| Credit loss provision to net charge-offs | 173.2218% | 2,254 |
| Earnings coverage of net charge-offs (x) | 4.0805% | 3,062 |
| Efficiency ratio | 75.2710% | 3,217 |
| Assets per employee ($millions) | 3.4740% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 5,535 |
| Loan loss allowance to noncurrent loans | 12.1886% | 7,216 |
| Noncurrent assets plus other real estate owned to assets | 9.4591% | 451 |
| Noncurrent loans to loans | 9.7117% | 463 |
| Net loans and leases to total assets | 83.6245% | 384 |
| Net loans and leases to deposits | 95.1939% | 1,127 |
| Net loans and leases to core deposits | 135.5719% | 336 |
| Total domestic deposits to total assets | 87.8465% | 2,078 |
| Equity capital to assets | 8.7532% | 5,809 |
| Core capital (leverage) ratio | 8.5850% | 5,261 |
| Tier 1 risk-based capital ratio | 9.6495% | 7,200 |
| Total risk-based capital ratio | 10.7788% | 7,253 |
| Memoranda: | ||
| Average total assets | $674,378,330 | 999 |
| Average earning assets | $588,622,000 | 1,042 |
| Average equity | $54,498,670 | 1,217 |
| Average total loans | $576,306,670 | 792 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8692% | 1,276 |
| Cost of funding earning assets | 2.3413% | 375 |
| Net interest margin | 3.5279% | 5,044 |
| Noninterest income to average assets | 1.1783% | 880 |
| Noninterest expense to average assets | 3.5130% | 1,948 |
| Loan and lease loss provision to assets | 0.5334% | 2,369 |
| Net operating income to assets | 0.2116% | 5,640 |
| Return on assets (ROA) | 0.2116% | 5,761 |
| Pretax return on assets | 0.2259% | 5,809 |
| Return on Equity (ROE) | 2.7336% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.7336% | 4,494 |
| Net charge-offs to loans | 0.2776% | 3,304 |
| Credit loss provision to net charge-offs | 223.7500% | 1,689 |
| Earnings coverage of net charge-offs (x) | 3.1850% | 2,993 |
| Efficiency ratio | 82.2266% | 2,249 |
| Assets per employee ($millions) | 3.3493% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 5,804 |
| Loan loss allowance to noncurrent loans | 15.2618% | 7,194 |
| Noncurrent assets plus other real estate owned to assets | 7.5878% | 665 |
| Noncurrent loans to loans | 7.4963% | 765 |
| Net loans and leases to total assets | 83.6692% | 404 |
| Net loans and leases to deposits | 97.5871% | 948 |
| Net loans and leases to core deposits | 148.2763% | 254 |
| Total domestic deposits to total assets | 85.7379% | 3,287 |
| Equity capital to assets | 7.8202% | 6,831 |
| Core capital (leverage) ratio | 7.9098% | 6,369 |
| Tier 1 risk-based capital ratio | 8.7159% | 7,533 |
| Total risk-based capital ratio | 9.8203% | 7,570 |
| Memoranda: | ||
| Average total assets | $671,111,000 | 1,029 |
| Average earning assets | $588,566,500 | 1,065 |
| Average equity | $51,947,000 | 1,290 |
| Average total loans | $576,344,500 | 808 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1239% | 1,452 |
| Cost of funding earning assets | 2.2233% | 1,929 |
| Net interest margin | 3.9006% | 3,265 |
| Noninterest income to average assets | 0.8748% | 2,052 |
| Noninterest expense to average assets | 3.6087% | 2,116 |
| Loan and lease loss provision to assets | 0.9131% | 2,466 |
| Net operating income to assets | -0.1422% | 5,750 |
| Return on assets (ROA) | -0.1119% | 5,702 |
| Pretax return on assets | -0.1179% | 5,617 |
| Return on Equity (ROE) | -1.5349% | 5,784 |
| Retained earnings to average equity (ytd only) | -3.0956% | 5,722 |
| Net charge-offs to loans | 0.8528% | 2,695 |
| Credit loss provision to net charge-offs | 121.8213% | 4,353 |
| Earnings coverage of net charge-offs (x) | 1.0185% | 5,096 |
| Efficiency ratio | 82.5389% | 2,545 |
| Assets per employee ($millions) | 3.2948% | 5,504 |
| Cash dividends to net income (ytd only)* | -101.6796% | 7,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 6,063 |
| Loan loss allowance to noncurrent loans | 13.3731% | 7,300 |
| Noncurrent assets plus other real estate owned to assets | 8.4119% | 507 |
| Noncurrent loans to loans | 7.9685% | 633 |
| Net loans and leases to total assets | 86.2377% | 266 |
| Net loans and leases to deposits | 100.9665% | 828 |
| Net loans and leases to core deposits | 113.1036% | 2,587 |
| Total domestic deposits to total assets | 85.4122% | 3,350 |
| Equity capital to assets | 7.6577% | 6,894 |
| Core capital (leverage) ratio | 7.2295% | 7,045 |
| Tier 1 risk-based capital ratio | 8.3382% | 7,607 |
| Total risk-based capital ratio | 9.3707% | 7,648 |
| Memoranda: | ||
| Average total assets | $691,491,400 | 994 |
| Average earning assets | $620,011,400 | 1,006 |
| Average equity | $50,426,600 | 1,328 |
| Average total loans | $607,741,400 | 770 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1683% | 1,448 |
| Cost of funding earning assets | 2.1916% | 2,448 |
| Net interest margin | 3.9767% | 2,909 |
| Noninterest income to average assets | 1.9656% | 385 |
| Noninterest expense to average assets | 3.3747% | 2,653 |
| Loan and lease loss provision to assets | 1.5755% | 1,204 |
| Net operating income to assets | 0.5645% | 3,744 |
| Return on assets (ROA) | 0.6165% | 3,598 |
| Pretax return on assets | 0.6405% | 4,056 |
| Return on Equity (ROE) | 8.5550% | 2,429 |
| Retained earnings to average equity (ytd only) | 6.4764% | 1,720 |
| Net charge-offs to loans | 1.4130% | 1,459 |
| Credit loss provision to net charge-offs | 126.6197% | 3,969 |
| Earnings coverage of net charge-offs (x) | 1.7375% | 4,496 |
| Efficiency ratio | 60.9528% | 6,288 |
| Assets per employee ($millions) | 3.3850% | 5,193 |
| Cash dividends to net income (ytd only)* | 24.2966% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 5,563 |
| Loan loss allowance to noncurrent loans | 22.3306% | 6,951 |
| Noncurrent assets plus other real estate owned to assets | 6.1105% | 867 |
| Noncurrent loans to loans | 5.0393% | 1,297 |
| Net loans and leases to total assets | 86.0305% | 341 |
| Net loans and leases to deposits | 97.0306% | 1,437 |
| Net loans and leases to core deposits | 106.9168% | 3,599 |
| Total domestic deposits to total assets | 88.6633% | 1,357 |
| Equity capital to assets | 7.9324% | 6,910 |
| Core capital (leverage) ratio | 7.7164% | 6,710 |
| Tier 1 risk-based capital ratio | 13.3940% | 3,926 |
| Total risk-based capital ratio | 14.6518% | 3,858 |
| Memoranda: | ||
| Average total assets | $699,622,000 | 991 |
| Average earning assets | $628,248,500 | 1,010 |
| Average equity | $50,417,750 | 1,350 |
| Average total loans | $616,076,500 | 779 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1748% | 1,544 |
| Cost of funding earning assets | 2.1911% | 2,836 |
| Net interest margin | 3.9837% | 2,770 |
| Noninterest income to average assets | 1.5431% | 625 |
| Noninterest expense to average assets | 3.1675% | 3,442 |
| Loan and lease loss provision to assets | 1.4070% | 1,232 |
| Net operating income to assets | 0.5518% | 3,870 |
| Return on assets (ROA) | 0.6184% | 3,716 |
| Pretax return on assets | 0.6326% | 4,225 |
| Return on Equity (ROE) | 8.8717% | 2,404 |
| Retained earnings to average equity (ytd only) | 5.6631% | 2,174 |
| Net charge-offs to loans | 1.6527% | 1,143 |
| Credit loss provision to net charge-offs | 96.3042% | 4,731 |
| Earnings coverage of net charge-offs (x) | 1.3495% | 4,514 |
| Efficiency ratio | 61.6346% | 6,293 |
| Assets per employee ($millions) | 3.4462% | 4,958 |
| Cash dividends to net income (ytd only)* | 36.1673% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 7,173 |
| Loan loss allowance to noncurrent loans | 24.8950% | 6,851 |
| Noncurrent assets plus other real estate owned to assets | 4.2011% | 1,371 |
| Noncurrent loans to loans | 3.1939% | 2,235 |
| Net loans and leases to total assets | 85.6059% | 425 |
| Net loans and leases to deposits | 96.3020% | 1,746 |
| Net loans and leases to core deposits | 104.9191% | 3,965 |
| Total domestic deposits to total assets | 88.8932% | 1,320 |
| Equity capital to assets | 7.5565% | 7,218 |
| Core capital (leverage) ratio | 7.5531% | 6,955 |
| Tier 1 risk-based capital ratio | 12.9224% | 4,203 |
| Total risk-based capital ratio | 14.1041% | 4,158 |
| Memoranda: | ||
| Average total assets | $703,780,000 | 997 |
| Average earning assets | $635,293,000 | 1,014 |
| Average equity | $49,054,670 | 1,402 |
| Average total loans | $622,140,330 | 790 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2003% | 1,603 |
| Cost of funding earning assets | 2.3570% | 2,482 |
| Net interest margin | 3.8433% | 3,281 |
| Noninterest income to average assets | 1.7578% | 443 |
| Noninterest expense to average assets | 3.1456% | 3,204 |
| Loan and lease loss provision to assets | 1.6059% | 778 |
| Net operating income to assets | 0.4906% | 4,464 |
| Return on assets (ROA) | 0.5871% | 4,265 |
| Pretax return on assets | 0.6296% | 4,662 |
| Return on Equity (ROE) | 8.7889% | 2,801 |
| Retained earnings to average equity (ytd only) | 6.2438% | 2,530 |
| Net charge-offs to loans | 1.2310% | 1,138 |
| Credit loss provision to net charge-offs | 145.8569% | 2,839 |
| Earnings coverage of net charge-offs (x) | 1.9362% | 3,749 |
| Efficiency ratio | 59.6049% | 6,459 |
| Assets per employee ($millions) | 3.5534% | 4,692 |
| Cash dividends to net income (ytd only)* | 28.9575% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 6,540 |
| Loan loss allowance to noncurrent loans | 26.1610% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 4.1877% | 1,200 |
| Noncurrent loans to loans | 3.6008% | 1,751 |
| Net loans and leases to total assets | 88.7950% | 209 |
| Net loans and leases to deposits | 99.5067% | 1,474 |
| Net loans and leases to core deposits | 113.0261% | 3,101 |
| Total domestic deposits to total assets | 89.2352% | 1,128 |
| Equity capital to assets | 6.8029% | 7,765 |
| Core capital (leverage) ratio | 6.6166% | 7,829 |
| Tier 1 risk-based capital ratio | 11.2336% | 5,662 |
| Total risk-based capital ratio | 12.4854% | 5,572 |
| Memoranda: | ||
| Average total assets | $705,884,500 | 994 |
| Average earning assets | $646,421,000 | 993 |
| Average equity | $47,150,500 | 1,464 |
| Average total loans | $631,373,500 | 789 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2186% | 708 |
| Cost of funding earning assets | 3.1630% | 1,304 |
| Net interest margin | 4.0555% | 2,889 |
| Noninterest income to average assets | 3.1943% | 186 |
| Noninterest expense to average assets | 5.3722% | 536 |
| Loan and lease loss provision to assets | 0.8226% | 1,806 |
| Net operating income to assets | 0.7354% | 3,737 |
| Return on assets (ROA) | 0.7039% | 3,713 |
| Pretax return on assets | 0.6582% | 4,521 |
| Return on Equity (ROE) | 9.5937% | 2,402 |
| Retained earnings to average equity (ytd only) | 3.7373% | 2,807 |
| Net charge-offs to loans | 0.6664% | 1,854 |
| Credit loss provision to net charge-offs | 142.3967% | 3,721 |
| Earnings coverage of net charge-offs (x) | 2.6179% | 4,781 |
| Efficiency ratio | 73.8604% | 3,603 |
| Assets per employee ($millions) | 3.2662% | 5,299 |
| Cash dividends to net income (ytd only)* | 61.0445% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 7,171 |
| Loan loss allowance to noncurrent loans | 21.2250% | 7,178 |
| Noncurrent assets plus other real estate owned to assets | 3.8557% | 1,092 |
| Noncurrent loans to loans | 3.6824% | 1,367 |
| Net loans and leases to total assets | 88.5567% | 316 |
| Net loans and leases to deposits | 100.5789% | 1,775 |
| Net loans and leases to core deposits | 110.3799% | 3,735 |
| Total domestic deposits to total assets | 88.0470% | 1,455 |
| Equity capital to assets | 6.5596% | 7,919 |
| Core capital (leverage) ratio | 6.6558% | 7,871 |
| Tier 1 risk-based capital ratio | 11.3697% | 5,364 |
| Total risk-based capital ratio | 12.5960% | 5,299 |
| Memoranda: | ||
| Average total assets | $628,364,400 | 1,066 |
| Average earning assets | $571,760,600 | 1,081 |
| Average equity | $46,103,400 | 1,480 |
| Average total loans | $544,705,600 | 874 |