Home > Peoples Bank of the South > Performance and Condition Ratios
Peoples Bank of the South, Performance and Condition Ratios
| 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 | 6.1529% | 138 |
| Cost of funding earning assets | 0.8660% | 965 |
| Net interest margin | 5.2869% | 192 |
| Noninterest income to average assets | 2.9756% | 238 |
| Noninterest expense to average assets | 5.8582% | 217 |
| Loan and lease loss provision to assets | 0.3314% | 997 |
| Net operating income to assets | 0.9239% | 2,718 |
| Return on assets (ROA) | 0.9239% | 2,831 |
| Pretax return on assets | 1.4397% | 1,801 |
| Return on Equity (ROE) | 10.8536% | 1,870 |
| Retained earnings to average equity (ytd only) | 7.2101% | 1,785 |
| Net charge-offs to loans | -0.0411% | 6,253 |
| Credit loss provision to net charge-offs | -1,194.1176% | 6,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7865% | 2,597 |
| Assets per employee ($millions) | 2.6975% | 6,279 |
| Cash dividends to net income (ytd only)* | 33.5692% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 2,838 |
| Loan loss allowance to noncurrent loans | 135.0962% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 2.0928% | 1,909 |
| Noncurrent loans to loans | 1.2145% | 3,390 |
| Net loans and leases to total assets | 60.4362% | 3,628 |
| Net loans and leases to deposits | 67.8208% | 4,080 |
| Net loans and leases to core deposits | 72.3605% | 4,049 |
| Total domestic deposits to total assets | 89.1117% | 1,503 |
| Equity capital to assets | 8.1737% | 6,029 |
| Core capital (leverage) ratio | 8.9312% | 5,225 |
| Tier 1 risk-based capital ratio | 13.9622% | 4,461 |
| Total risk-based capital ratio | 15.2155% | 4,408 |
| Memoranda: | ||
| Average total assets | $81,683,500 | 5,248 |
| Average earning assets | $71,899,250 | 5,306 |
| Average equity | $6,953,000 | 5,652 |
| Average total loans | $55,127,500 | 4,819 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3820% | 106 |
| Cost of funding earning assets | 0.8769% | 999 |
| Net interest margin | 5.5051% | 132 |
| Noninterest income to average assets | 3.9611% | 186 |
| Noninterest expense to average assets | 6.6488% | 163 |
| Loan and lease loss provision to assets | 0.3307% | 1,039 |
| Net operating income to assets | 1.1550% | 1,721 |
| Return on assets (ROA) | 1.1550% | 1,839 |
| Pretax return on assets | 1.8313% | 863 |
| Return on Equity (ROE) | 13.3861% | 1,146 |
| Retained earnings to average equity (ytd only) | 10.5258% | 738 |
| Net charge-offs to loans | 0.0816% | 3,552 |
| Credit loss provision to net charge-offs | 582.6087% | 497 |
| Earnings coverage of net charge-offs (x) | 38.0870% | 962 |
| Efficiency ratio | 75.4622% | 2,865 |
| Assets per employee ($millions) | 2.6554% | 6,341 |
| Cash dividends to net income (ytd only)* | 21.3675% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 4,203 |
| Loan loss allowance to noncurrent loans | 123.1544% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 2.5171% | 1,682 |
| Noncurrent loans to loans | 1.1057% | 3,720 |
| Net loans and leases to total assets | 64.5905% | 2,826 |
| Net loans and leases to deposits | 72.7625% | 3,344 |
| Net loans and leases to core deposits | 77.1493% | 3,408 |
| Total domestic deposits to total assets | 88.7690% | 1,745 |
| Equity capital to assets | 8.4345% | 5,832 |
| Core capital (leverage) ratio | 8.8651% | 5,200 |
| Tier 1 risk-based capital ratio | 13.3979% | 4,838 |
| Total risk-based capital ratio | 14.6556% | 4,788 |
| Memoranda: | ||
| Average total assets | $81,037,330 | 5,295 |
| Average earning assets | $71,388,670 | 5,351 |
| Average equity | $6,992,330 | 5,683 |
| Average total loans | $56,376,330 | 4,810 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3038% | 113 |
| Cost of funding earning assets | 0.8476% | 1,264 |
| Net interest margin | 5.4562% | 129 |
| Noninterest income to average assets | 0.9254% | 1,675 |
| Noninterest expense to average assets | 4.8360% | 410 |
| Loan and lease loss provision to assets | 0.3035% | 1,132 |
| Net operating income to assets | 0.3831% | 5,195 |
| Return on assets (ROA) | 0.3831% | 5,340 |
| Pretax return on assets | 0.6219% | 4,868 |
| Return on Equity (ROE) | 4.3893% | 4,903 |
| Retained earnings to average equity (ytd only) | 1.5391% | 5,218 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9378% | 1,777 |
| Assets per employee ($millions) | 2.4857% | 6,598 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 5,297 |
| Loan loss allowance to noncurrent loans | 98.2759% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 2.7527% | 1,649 |
| Noncurrent loans to loans | 1.1954% | 3,774 |
| Net loans and leases to total assets | 70.1447% | 1,635 |
| Net loans and leases to deposits | 78.4626% | 2,279 |
| Net loans and leases to core deposits | 83.1609% | 2,440 |
| Total domestic deposits to total assets | 89.3989% | 1,417 |
| Equity capital to assets | 8.5433% | 5,976 |
| Core capital (leverage) ratio | 8.7386% | 5,276 |
| Tier 1 risk-based capital ratio | 12.0713% | 5,871 |
| Total risk-based capital ratio | 13.2555% | 5,870 |
| Memoranda: | ||
| Average total assets | $80,397,500 | 5,352 |
| Average earning assets | $71,259,000 | 5,402 |
| Average equity | $7,017,000 | 5,738 |
| Average total loans | $57,613,000 | 4,791 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6806% | 104 |
| Cost of funding earning assets | 1.0863% | 954 |
| Net interest margin | 5.5942% | 150 |
| Noninterest income to average assets | 0.9901% | 1,561 |
| Noninterest expense to average assets | 5.5073% | 273 |
| Loan and lease loss provision to assets | 0.0846% | 4,644 |
| Net operating income to assets | 0.2172% | 5,741 |
| Return on assets (ROA) | 0.2172% | 5,930 |
| Pretax return on assets | 0.3536% | 5,702 |
| Return on Equity (ROE) | 2.4353% | 5,782 |
| Retained earnings to average equity (ytd only) | -0.1133% | 5,872 |
| Net charge-offs to loans | -0.1011% | 6,827 |
| Credit loss provision to net charge-offs | -119.6429% | 6,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6296% | 877 |
| Assets per employee ($millions) | 2.3868% | 6,717 |
| Cash dividends to net income (ytd only)* | 104.6512% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 5,582 |
| Loan loss allowance to noncurrent loans | 73.9027% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 2.9632% | 1,601 |
| Noncurrent loans to loans | 1.4789% | 3,379 |
| Net loans and leases to total assets | 71.5791% | 1,557 |
| Net loans and leases to deposits | 80.7343% | 2,185 |
| Net loans and leases to core deposits | 85.8012% | 2,338 |
| Total domestic deposits to total assets | 88.6601% | 1,798 |
| Equity capital to assets | 8.9201% | 5,612 |
| Core capital (leverage) ratio | 8.7164% | 5,301 |
| Tier 1 risk-based capital ratio | 12.4378% | 5,518 |
| Total risk-based capital ratio | 13.5613% | 5,546 |
| Memoranda: | ||
| Average total assets | $79,185,200 | 5,376 |
| Average earning assets | $70,143,600 | 5,429 |
| Average equity | $7,062,800 | 5,744 |
| Average total loans | $55,417,000 | 4,888 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6677% | 114 |
| Cost of funding earning assets | 1.1091% | 1,031 |
| Net interest margin | 5.5586% | 161 |
| Noninterest income to average assets | 0.9534% | 1,664 |
| Noninterest expense to average assets | 5.4264% | 281 |
| Loan and lease loss provision to assets | 0.0605% | 4,961 |
| Net operating income to assets | 0.3884% | 5,299 |
| Return on assets (ROA) | 0.3884% | 5,512 |
| Pretax return on assets | 0.3884% | 5,744 |
| Return on Equity (ROE) | 4.3551% | 5,122 |
| Retained earnings to average equity (ytd only) | 2.6584% | 4,968 |
| Net charge-offs to loans | -0.2278% | 7,013 |
| Credit loss provision to net charge-offs | -38.2979% | 6,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3583% | 872 |
| Assets per employee ($millions) | 2.3596% | 6,817 |
| Cash dividends to net income (ytd only)* | 38.9623% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,678 |
| Loan loss allowance to noncurrent loans | 71.5096% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 3.0277% | 1,724 |
| Noncurrent loans to loans | 1.5511% | 3,457 |
| Net loans and leases to total assets | 70.0122% | 1,901 |
| Net loans and leases to deposits | 80.6826% | 2,294 |
| Net loans and leases to core deposits | 86.0773% | 2,453 |
| Total domestic deposits to total assets | 86.7749% | 2,814 |
| Equity capital to assets | 8.9485% | 5,871 |
| Core capital (leverage) ratio | 8.7506% | 5,401 |
| Tier 1 risk-based capital ratio | 12.2769% | 5,790 |
| Total risk-based capital ratio | 13.3915% | 5,834 |
| Memoranda: | ||
| Average total assets | $79,290,000 | 5,427 |
| Average earning assets | $70,207,250 | 5,479 |
| Average equity | $7,072,000 | 5,806 |
| Average total loans | $55,020,500 | 4,950 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6364% | 124 |
| Cost of funding earning assets | 1.1308% | 1,091 |
| Net interest margin | 5.5056% | 179 |
| Noninterest income to average assets | 0.8053% | 2,156 |
| Noninterest expense to average assets | 5.2445% | 322 |
| Loan and lease loss provision to assets | 0.0557% | 4,963 |
| Net operating income to assets | 0.3874% | 5,258 |
| Return on assets (ROA) | 0.3874% | 5,498 |
| Pretax return on assets | 0.3874% | 5,735 |
| Return on Equity (ROE) | 4.3489% | 5,113 |
| Retained earnings to average equity (ytd only) | 1.7907% | 5,298 |
| Net charge-offs to loans | -0.0220% | 6,449 |
| Credit loss provision to net charge-offs | -366.6667% | 6,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2084% | 920 |
| Assets per employee ($millions) | 2.3636% | 6,851 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 6,298 |
| Loan loss allowance to noncurrent loans | 200.7605% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 2.4489% | 2,279 |
| Noncurrent loans to loans | 0.4778% | 5,573 |
| Net loans and leases to total assets | 67.8413% | 2,309 |
| Net loans and leases to deposits | 77.7225% | 2,718 |
| Net loans and leases to core deposits | 83.3117% | 2,783 |
| Total domestic deposits to total assets | 87.2866% | 2,605 |
| Equity capital to assets | 8.8273% | 5,879 |
| Core capital (leverage) ratio | 8.7080% | 5,366 |
| Tier 1 risk-based capital ratio | 12.4330% | 5,620 |
| Total risk-based capital ratio | 13.3914% | 5,816 |
| Memoranda: | ||
| Average total assets | $78,978,000 | 5,465 |
| Average earning assets | $70,038,000 | 5,518 |
| Average equity | $7,036,330 | 5,841 |
| Average total loans | $54,428,000 | 5,013 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7577% | 123 |
| Cost of funding earning assets | 1.1956% | 1,007 |
| Net interest margin | 5.5621% | 165 |
| Noninterest income to average assets | 0.7256% | 2,530 |
| Noninterest expense to average assets | 5.3088% | 300 |
| Loan and lease loss provision to assets | 0.0409% | 4,877 |
| Net operating income to assets | 0.2964% | 5,672 |
| Return on assets (ROA) | 0.2964% | 5,837 |
| Pretax return on assets | 0.2964% | 5,984 |
| Return on Equity (ROE) | 3.3107% | 5,589 |
| Retained earnings to average equity (ytd only) | 3.3107% | 4,581 |
| Net charge-offs to loans | -0.1330% | 6,882 |
| Credit loss provision to net charge-offs | -44.4444% | 5,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0271% | 821 |
| Assets per employee ($millions) | 2.3185% | 6,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 6,382 |
| Loan loss allowance to noncurrent loans | 302.8736% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 2.5993% | 2,276 |
| Noncurrent loans to loans | 0.3176% | 6,044 |
| Net loans and leases to total assets | 68.8253% | 1,966 |
| Net loans and leases to deposits | 77.7259% | 2,564 |
| Net loans and leases to core deposits | 82.1821% | 2,804 |
| Total domestic deposits to total assets | 88.5488% | 1,984 |
| Equity capital to assets | 8.8964% | 5,641 |
| Core capital (leverage) ratio | 8.8169% | 5,111 |
| Tier 1 risk-based capital ratio | 12.5545% | 5,563 |
| Total risk-based capital ratio | 13.5195% | 5,746 |
| Memoranda: | ||
| Average total assets | $78,285,000 | 5,533 |
| Average earning assets | $69,254,500 | 5,589 |
| Average equity | $7,007,500 | 5,872 |
| Average total loans | $54,118,000 | 5,064 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7046% | 145 |
| Cost of funding earning assets | 1.4813% | 766 |
| Net interest margin | 5.2232% | 272 |
| Noninterest income to average assets | 0.6155% | 3,085 |
| Noninterest expense to average assets | 5.2276% | 319 |
| Loan and lease loss provision to assets | -0.3746% | 7,326 |
| Net operating income to assets | 0.2295% | 5,490 |
| Return on assets (ROA) | 0.2295% | 5,634 |
| Pretax return on assets | 0.3695% | 5,381 |
| Return on Equity (ROE) | 2.6268% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.6268% | 4,357 |
| Net charge-offs to loans | -0.3979% | 7,264 |
| Credit loss provision to net charge-offs | 141.4286% | 2,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0966% | 667 |
| Assets per employee ($millions) | 2.2865% | 7,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 6,441 |
| Loan loss allowance to noncurrent loans | 153.3742% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 3.0538% | 1,965 |
| Noncurrent loans to loans | 0.6099% | 5,494 |
| Net loans and leases to total assets | 68.1168% | 2,376 |
| Net loans and leases to deposits | 78.2348% | 2,797 |
| Net loans and leases to core deposits | 82.2561% | 3,144 |
| Total domestic deposits to total assets | 87.0671% | 2,726 |
| Equity capital to assets | 9.0069% | 5,545 |
| Core capital (leverage) ratio | 8.7273% | 5,208 |
| Tier 1 risk-based capital ratio | 12.6919% | 5,314 |
| Total risk-based capital ratio | 13.6266% | 5,528 |
| Memoranda: | ||
| Average total assets | $79,291,000 | 5,472 |
| Average earning assets | $69,937,400 | 5,540 |
| Average equity | $6,928,600 | 5,882 |
| Average total loans | $52,779,200 | 5,163 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7102% | 147 |
| Cost of funding earning assets | 1.5351% | 755 |
| Net interest margin | 5.1751% | 302 |
| Noninterest income to average assets | 0.5221% | 3,711 |
| Noninterest expense to average assets | 5.0033% | 370 |
| Loan and lease loss provision to assets | -0.5187% | 7,413 |
| Net operating income to assets | 0.4200% | 4,905 |
| Return on assets (ROA) | 0.4200% | 5,097 |
| Pretax return on assets | 0.5957% | 4,822 |
| Return on Equity (ROE) | 4.8430% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.8430% | 3,284 |
| Net charge-offs to loans | -0.6336% | 7,359 |
| Credit loss provision to net charge-offs | 124.0000% | 2,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4848% | 721 |
| Assets per employee ($millions) | 2.3526% | 7,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 6,105 |
| Loan loss allowance to noncurrent loans | 142.0485% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 2.9254% | 2,204 |
| Noncurrent loans to loans | 0.7282% | 5,420 |
| Net loans and leases to total assets | 63.0354% | 3,507 |
| Net loans and leases to deposits | 72.8305% | 3,829 |
| Net loans and leases to core deposits | 77.2952% | 4,005 |
| Total domestic deposits to total assets | 86.5508% | 2,908 |
| Equity capital to assets | 8.8586% | 5,906 |
| Core capital (leverage) ratio | 8.5989% | 5,552 |
| Tier 1 risk-based capital ratio | 13.2603% | 4,906 |
| Total risk-based capital ratio | 14.2791% | 5,047 |
| Memoranda: | ||
| Average total assets | $79,678,750 | 5,516 |
| Average earning assets | $70,180,250 | 5,577 |
| Average equity | $6,910,250 | 5,928 |
| Average total loans | $52,610,500 | 5,209 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7662% | 145 |
| Cost of funding earning assets | 1.5763% | 769 |
| Net interest margin | 5.1899% | 283 |
| Noninterest income to average assets | 0.3695% | 4,920 |
| Noninterest expense to average assets | 4.9036% | 396 |
| Loan and lease loss provision to assets | -0.7791% | 7,494 |
| Net operating income to assets | 0.5655% | 4,235 |
| Return on assets (ROA) | 0.5655% | 4,359 |
| Pretax return on assets | 0.8294% | 3,911 |
| Return on Equity (ROE) | 6.5677% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.5677% | 2,100 |
| Net charge-offs to loans | -1.0797% | 7,443 |
| Credit loss provision to net charge-offs | 108.0139% | 2,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9853% | 751 |
| Assets per employee ($millions) | 2.3418% | 7,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 5,963 |
| Loan loss allowance to noncurrent loans | 171.9512% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 3.0708% | 2,187 |
| Noncurrent loans to loans | 0.6393% | 5,646 |
| Net loans and leases to total assets | 63.7315% | 3,524 |
| Net loans and leases to deposits | 73.7758% | 3,842 |
| Net loans and leases to core deposits | 77.8780% | 4,066 |
| Total domestic deposits to total assets | 86.3853% | 3,106 |
| Equity capital to assets | 8.8973% | 5,708 |
| Core capital (leverage) ratio | 8.5798% | 5,431 |
| Tier 1 risk-based capital ratio | 13.1383% | 4,812 |
| Total risk-based capital ratio | 14.2207% | 4,921 |
| Memoranda: | ||
| Average total assets | $79,575,000 | 5,562 |
| Average earning assets | $70,291,000 | 5,626 |
| Average equity | $6,851,670 | 5,960 |
| Average total loans | $53,164,330 | 5,241 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9036% | 126 |
| Cost of funding earning assets | 1.6019% | 809 |
| Net interest margin | 5.3017% | 222 |
| Noninterest income to average assets | -0.0603% | 7,364 |
| Noninterest expense to average assets | 4.8019% | 433 |
| Loan and lease loss provision to assets | -1.5587% | 7,566 |
| Net operating income to assets | 0.9352% | 2,424 |
| Return on assets (ROA) | 0.9352% | 2,485 |
| Pretax return on assets | 1.3727% | 1,804 |
| Return on Equity (ROE) | 11.0460% | 1,725 |
| Retained earnings to average equity (ytd only) | 11.0460% | 894 |
| Net charge-offs to loans | -2.6399% | 7,519 |
| Credit loss provision to net charge-offs | 86.8347% | 2,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0305% | 627 |
| Assets per employee ($millions) | 2.2097% | 7,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 5,680 |
| Loan loss allowance to noncurrent loans | 86.1413% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 3.1653% | 2,175 |
| Noncurrent loans to loans | 1.3823% | 4,398 |
| Net loans and leases to total assets | 66.1358% | 2,976 |
| Net loans and leases to deposits | 76.3906% | 3,358 |
| Net loans and leases to core deposits | 81.4664% | 3,531 |
| Total domestic deposits to total assets | 86.5757% | 3,194 |
| Equity capital to assets | 8.5732% | 5,810 |
| Core capital (leverage) ratio | 8.5200% | 5,416 |
| Tier 1 risk-based capital ratio | 12.6194% | 5,146 |
| Total risk-based capital ratio | 13.8000% | 5,196 |
| Memoranda: | ||
| Average total assets | $79,552,500 | 5,600 |
| Average earning assets | $70,166,500 | 5,661 |
| Average equity | $6,735,500 | 6,014 |
| Average total loans | $54,093,000 | 5,252 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0028% | 148 |
| Cost of funding earning assets | 1.9060% | 829 |
| Net interest margin | 5.0969% | 357 |
| Noninterest income to average assets | 0.7737% | 2,410 |
| Noninterest expense to average assets | 5.6691% | 275 |
| Loan and lease loss provision to assets | 0.1613% | 5,599 |
| Net operating income to assets | -0.3569% | 6,271 |
| Return on assets (ROA) | -0.3569% | 6,299 |
| Pretax return on assets | -0.5232% | 6,335 |
| Return on Equity (ROE) | -4.3423% | 6,380 |
| Retained earnings to average equity (ytd only) | -4.3423% | 6,233 |
| Net charge-offs to loans | 1.1388% | 1,959 |
| Credit loss provision to net charge-offs | 19.2701% | 6,557 |
| Earnings coverage of net charge-offs (x) | -0.4321% | 6,420 |
| Efficiency ratio | 106.8171% | 605 |
| Assets per employee ($millions) | 2.2099% | 7,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 6,079 |
| Loan loss allowance to noncurrent loans | 137.4707% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 3.1111% | 2,272 |
| Noncurrent loans to loans | 0.7772% | 5,490 |
| Net loans and leases to total assets | 68.3225% | 2,903 |
| Net loans and leases to deposits | 78.7956% | 3,366 |
| Net loans and leases to core deposits | 84.5911% | 3,513 |
| Total domestic deposits to total assets | 86.7086% | 2,975 |
| Equity capital to assets | 8.3603% | 6,058 |
| Core capital (leverage) ratio | 8.1647% | 5,883 |
| Tier 1 risk-based capital ratio | 11.8433% | 5,622 |
| Total risk-based capital ratio | 12.9122% | 5,767 |
| Memoranda: | ||
| Average total assets | $81,812,000 | 5,538 |
| Average earning assets | $72,770,400 | 5,575 |
| Average equity | $6,724,600 | 6,128 |
| Average total loans | $60,152,200 | 5,065 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9854% | 150 |
| Cost of funding earning assets | 1.9619% | 852 |
| Net interest margin | 5.0235% | 416 |
| Noninterest income to average assets | 0.7720% | 2,376 |
| Noninterest expense to average assets | 5.6180% | 257 |
| Loan and lease loss provision to assets | 0.1327% | 5,701 |
| Net operating income to assets | -0.4985% | 6,587 |
| Return on assets (ROA) | -0.4985% | 6,636 |
| Pretax return on assets | -0.4985% | 6,556 |
| Return on Equity (ROE) | -6.0902% | 6,724 |
| Retained earnings to average equity (ytd only) | -6.0902% | 6,642 |
| Net charge-offs to loans | 1.3907% | 1,461 |
| Credit loss provision to net charge-offs | 12.7925% | 6,313 |
| Earnings coverage of net charge-offs (x) | -0.3526% | 6,267 |
| Efficiency ratio | 106.9646% | 581 |
| Assets per employee ($millions) | 2.3425% | 7,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 6,293 |
| Loan loss allowance to noncurrent loans | 62.3391% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.6801% | 1,940 |
| Noncurrent loans to loans | 1.6415% | 4,185 |
| Net loans and leases to total assets | 70.5568% | 2,602 |
| Net loans and leases to deposits | 81.6515% | 3,162 |
| Net loans and leases to core deposits | 87.2160% | 3,487 |
| Total domestic deposits to total assets | 86.4122% | 2,846 |
| Equity capital to assets | 8.5002% | 6,276 |
| Core capital (leverage) ratio | 8.2259% | 5,999 |
| Tier 1 risk-based capital ratio | 11.8110% | 5,626 |
| Total risk-based capital ratio | 12.8548% | 5,816 |
| Memoranda: | ||
| Average total assets | $82,376,250 | 5,580 |
| Average earning assets | $73,465,500 | 5,619 |
| Average equity | $6,743,000 | 6,202 |
| Average total loans | $61,455,000 | 5,081 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9978% | 157 |
| Cost of funding earning assets | 2.0282% | 832 |
| Net interest margin | 4.9695% | 453 |
| Noninterest income to average assets | 0.7708% | 2,279 |
| Noninterest expense to average assets | 5.5615% | 267 |
| Loan and lease loss provision to assets | 0.1969% | 4,895 |
| Net operating income to assets | -0.5571% | 6,705 |
| Return on assets (ROA) | -0.5571% | 6,736 |
| Pretax return on assets | -0.5571% | 6,633 |
| Return on Equity (ROE) | -6.8904% | 6,827 |
| Retained earnings to average equity (ytd only) | -6.8904% | 6,729 |
| Net charge-offs to loans | 1.8059% | 1,034 |
| Credit loss provision to net charge-offs | 14.4112% | 5,903 |
| Earnings coverage of net charge-offs (x) | -0.2636% | 5,909 |
| Efficiency ratio | 106.9252% | 610 |
| Assets per employee ($millions) | 2.3894% | 7,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,931 |
| Loan loss allowance to noncurrent loans | 48.4398% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 3.6583% | 1,914 |
| Noncurrent loans to loans | 2.2746% | 3,402 |
| Net loans and leases to total assets | 72.0384% | 2,391 |
| Net loans and leases to deposits | 83.2608% | 3,021 |
| Net loans and leases to core deposits | 88.7494% | 3,447 |
| Total domestic deposits to total assets | 86.5214% | 2,807 |
| Equity capital to assets | 8.4269% | 6,258 |
| Core capital (leverage) ratio | 8.3048% | 5,763 |
| Tier 1 risk-based capital ratio | 11.8856% | 5,414 |
| Total risk-based capital ratio | 13.0176% | 5,490 |
| Memoranda: | ||
| Average total assets | $83,286,670 | 5,586 |
| Average earning assets | $74,252,330 | 5,632 |
| Average equity | $6,734,000 | 6,226 |
| Average total loans | $63,014,670 | 5,057 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0962% | 149 |
| Cost of funding earning assets | 2.0624% | 908 |
| Net interest margin | 5.0338% | 391 |
| Noninterest income to average assets | 0.7354% | 2,380 |
| Noninterest expense to average assets | 5.1904% | 320 |
| Loan and lease loss provision to assets | 0.0332% | 6,344 |
| Net operating income to assets | 0.0047% | 6,272 |
| Return on assets (ROA) | 0.0047% | 6,383 |
| Pretax return on assets | 0.0047% | 6,342 |
| Return on Equity (ROE) | 0.0599% | 6,388 |
| Retained earnings to average equity (ytd only) | 0.0599% | 5,800 |
| Net charge-offs to loans | 1.5277% | 1,140 |
| Credit loss provision to net charge-offs | 2.8226% | 5,105 |
| Earnings coverage of net charge-offs (x) | 0.0323% | 5,004 |
| Efficiency ratio | 99.2740% | 865 |
| Assets per employee ($millions) | 2.1697% | 7,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 4,336 |
| Loan loss allowance to noncurrent loans | 37.4116% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 4.6490% | 1,429 |
| Noncurrent loans to loans | 3.7874% | 2,091 |
| Net loans and leases to total assets | 75.8657% | 1,575 |
| Net loans and leases to deposits | 87.6589% | 2,291 |
| Net loans and leases to core deposits | 98.8230% | 2,258 |
| Total domestic deposits to total assets | 86.5465% | 2,876 |
| Equity capital to assets | 8.3435% | 6,242 |
| Core capital (leverage) ratio | 8.1323% | 6,019 |
| Tier 1 risk-based capital ratio | 11.1972% | 5,960 |
| Total risk-based capital ratio | 12.4473% | 5,916 |
| Memoranda: | ||
| Average total assets | $84,310,000 | 5,622 |
| Average earning assets | $75,251,500 | 5,662 |
| Average equity | $6,678,000 | 6,298 |
| Average total loans | $64,934,000 | 5,046 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7260% | 99 |
| Cost of funding earning assets | 2.6286% | 716 |
| Net interest margin | 5.0974% | 362 |
| Noninterest income to average assets | 0.6521% | 3,272 |
| Noninterest expense to average assets | 4.9310% | 549 |
| Loan and lease loss provision to assets | 1.2699% | 1,820 |
| Net operating income to assets | -0.5389% | 6,225 |
| Return on assets (ROA) | -0.5389% | 6,216 |
| Pretax return on assets | -0.9496% | 6,378 |
| Return on Equity (ROE) | -7.0774% | 6,388 |
| Retained earnings to average equity (ytd only) | -7.0774% | 6,245 |
| Net charge-offs to loans | 1.7808% | 1,408 |
| Credit loss provision to net charge-offs | 89.9514% | 5,996 |
| Earnings coverage of net charge-offs (x) | 0.2269% | 5,902 |
| Efficiency ratio | 93.8998% | 1,421 |
| Assets per employee ($millions) | 2.2677% | 7,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7164% | 2,846 |
| Loan loss allowance to noncurrent loans | 111.8744% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 2.4520% | 2,841 |
| Noncurrent loans to loans | 1.5342% | 4,350 |
| Net loans and leases to total assets | 75.7546% | 1,865 |
| Net loans and leases to deposits | 90.2131% | 2,185 |
| Net loans and leases to core deposits | 137.0047% | 912 |
| Total domestic deposits to total assets | 83.9729% | 4,035 |
| Equity capital to assets | 7.5163% | 7,022 |
| Core capital (leverage) ratio | 7.4844% | 6,802 |
| Tier 1 risk-based capital ratio | 9.9557% | 6,912 |
| Total risk-based capital ratio | 11.2115% | 6,884 |
| Memoranda: | ||
| Average total assets | $87,406,200 | 5,470 |
| Average earning assets | $78,863,200 | 5,494 |
| Average equity | $6,655,000 | 6,378 |
| Average total loans | $69,294,400 | 4,887 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8928% | 90 |
| Cost of funding earning assets | 2.7257% | 732 |
| Net interest margin | 5.1671% | 317 |
| Noninterest income to average assets | 0.8482% | 2,213 |
| Noninterest expense to average assets | 5.0754% | 462 |
| Loan and lease loss provision to assets | 1.2312% | 1,577 |
| Net operating income to assets | -0.4363% | 6,363 |
| Return on assets (ROA) | -0.4363% | 6,361 |
| Pretax return on assets | -0.7904% | 6,537 |
| Return on Equity (ROE) | -5.7118% | 6,526 |
| Retained earnings to average equity (ytd only) | -5.7118% | 6,353 |
| Net charge-offs to loans | 1.1274% | 1,778 |
| Credit loss provision to net charge-offs | 136.8243% | 3,619 |
| Earnings coverage of net charge-offs (x) | 0.4899% | 5,544 |
| Efficiency ratio | 92.0088% | 1,544 |
| Assets per employee ($millions) | 2.3068% | 7,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0970% | 1,600 |
| Loan loss allowance to noncurrent loans | 147.3161% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 2.1470% | 3,161 |
| Noncurrent loans to loans | 1.4235% | 4,542 |
| Net loans and leases to total assets | 78.9327% | 1,405 |
| Net loans and leases to deposits | 89.7592% | 2,621 |
| Net loans and leases to core deposits | 132.6241% | 1,301 |
| Total domestic deposits to total assets | 87.9382% | 1,687 |
| Equity capital to assets | 7.5989% | 7,220 |
| Core capital (leverage) ratio | 7.3672% | 7,110 |
| Tier 1 risk-based capital ratio | 9.8086% | 7,132 |
| Total risk-based capital ratio | 11.0705% | 7,088 |
| Memoranda: | ||
| Average total assets | $87,714,500 | 5,488 |
| Average earning assets | $79,243,000 | 5,515 |
| Average equity | $6,699,500 | 6,421 |
| Average total loans | $70,013,000 | 4,912 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8918% | 102 |
| Cost of funding earning assets | 2.7466% | 911 |
| Net interest margin | 5.1452% | 332 |
| Noninterest income to average assets | 0.8685% | 2,101 |
| Noninterest expense to average assets | 4.9058% | 550 |
| Loan and lease loss provision to assets | 1.7781% | 935 |
| Net operating income to assets | -1.1649% | 7,092 |
| Return on assets (ROA) | -1.1649% | 7,099 |
| Pretax return on assets | -1.1649% | 6,913 |
| Return on Equity (ROE) | -15.2257% | 7,342 |
| Retained earnings to average equity (ytd only) | -15.2257% | 7,252 |
| Net charge-offs to loans | 0.9743% | 1,794 |
| Credit loss provision to net charge-offs | 229.4118% | 2,008 |
| Earnings coverage of net charge-offs (x) | 0.7912% | 4,942 |
| Efficiency ratio | 88.8889% | 1,918 |
| Assets per employee ($millions) | 2.3282% | 7,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3909% | 1,004 |
| Loan loss allowance to noncurrent loans | 135.5609% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 2.2459% | 2,897 |
| Noncurrent loans to loans | 1.7637% | 3,860 |
| Net loans and leases to total assets | 78.6285% | 1,610 |
| Net loans and leases to deposits | 93.5127% | 2,166 |
| Net loans and leases to core deposits | 137.1252% | 1,151 |
| Total domestic deposits to total assets | 84.0833% | 3,717 |
| Equity capital to assets | 7.1581% | 7,515 |
| Core capital (leverage) ratio | 7.1461% | 7,413 |
| Tier 1 risk-based capital ratio | 9.2750% | 7,560 |
| Total risk-based capital ratio | 10.5404% | 7,536 |
| Memoranda: | ||
| Average total assets | $87,733,670 | 5,534 |
| Average earning assets | $79,297,670 | 5,555 |
| Average equity | $6,712,330 | 6,463 |
| Average total loans | $69,793,330 | 4,969 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9240% | 100 |
| Cost of funding earning assets | 2.8119% | 955 |
| Net interest margin | 5.1121% | 325 |
| Noninterest income to average assets | 0.8196% | 2,236 |
| Noninterest expense to average assets | 4.6655% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5311% | 4,293 |
| Return on assets (ROA) | 0.5311% | 4,479 |
| Pretax return on assets | 0.7738% | 4,178 |
| Return on Equity (ROE) | 6.7227% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.7227% | 2,317 |
| Net charge-offs to loans | 0.0521% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 18.7778% | 1,446 |
| Efficiency ratio | 85.7744% | 2,099 |
| Assets per employee ($millions) | 2.4807% | 7,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7829% | 1,893 |
| Loan loss allowance to noncurrent loans | 73.7368% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 2.5072% | 2,293 |
| Noncurrent loans to loans | 2.4179% | 2,724 |
| Net loans and leases to total assets | 77.4176% | 1,947 |
| Net loans and leases to deposits | 95.4285% | 2,047 |
| Net loans and leases to core deposits | 135.6133% | 1,332 |
| Total domestic deposits to total assets | 81.1263% | 4,911 |
| Equity capital to assets | 7.7936% | 7,084 |
| Core capital (leverage) ratio | 7.9073% | 6,602 |
| Tier 1 risk-based capital ratio | 10.2086% | 6,709 |
| Total risk-based capital ratio | 11.4656% | 6,612 |
| Memoranda: | ||
| Average total assets | $87,364,000 | 5,572 |
| Average earning assets | $78,950,000 | 5,588 |
| Average equity | $6,902,000 | 6,446 |
| Average total loans | $69,055,500 | 5,013 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8436% | 77 |
| Cost of funding earning assets | 3.4317% | 648 |
| Net interest margin | 5.4119% | 235 |
| Noninterest income to average assets | 0.7873% | 2,589 |
| Noninterest expense to average assets | 4.6908% | 770 |
| Loan and lease loss provision to assets | 0.9578% | 1,541 |
| Net operating income to assets | 0.0000% | 6,365 |
| Return on assets (ROA) | 0.0000% | 6,229 |
| Pretax return on assets | 0.0331% | 6,092 |
| Return on Equity (ROE) | 0.0000% | 6,230 |
| Retained earnings to average equity (ytd only) | -5.5506% | 6,594 |
| Net charge-offs to loans | 0.0378% | 6,271 |
| Credit loss provision to net charge-offs | 3,137.5000% | 156 |
| Earnings coverage of net charge-offs (x) | 32.4583% | 1,110 |
| Efficiency ratio | 82.5610% | 2,230 |
| Assets per employee ($millions) | 2.4407% | 7,325 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 1,496 |
| Loan loss allowance to noncurrent loans | 268.3652% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 4,724 |
| Noncurrent loans to loans | 0.6955% | 5,294 |
| Net loans and leases to total assets | 77.7943% | 2,195 |
| Net loans and leases to deposits | 96.8125% | 2,313 |
| Net loans and leases to core deposits | 137.7848% | 1,383 |
| Total domestic deposits to total assets | 80.3556% | 4,881 |
| Equity capital to assets | 8.0118% | 6,827 |
| Core capital (leverage) ratio | 8.1803% | 6,200 |
| Tier 1 risk-based capital ratio | 10.5549% | 6,151 |
| Total risk-based capital ratio | 11.8133% | 6,044 |
| Memoranda: | ||
| Average total assets | $78,621,400 | 5,743 |
| Average earning assets | $71,102,200 | 5,777 |
| Average equity | $6,341,600 | 6,691 |
| Average total loans | $63,411,400 | 5,121 |