Home > Pinnacle Bank of South Carolina > Performance and Condition Ratios
Pinnacle Bank of South Carolina, Performance and Condition Ratios
| 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 | 4.4847% | 1,640 |
| Cost of funding earning assets | 0.2512% | 4,872 |
| Net interest margin | 4.2335% | 1,098 |
| Noninterest income to average assets | 0.9214% | 1,396 |
| Noninterest expense to average assets | 4.2821% | 500 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5326% | 4,666 |
| Return on assets (ROA) | 0.5570% | 4,658 |
| Pretax return on assets | 0.5641% | 5,058 |
| Return on Equity (ROE) | 4.1846% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.6888% | 3,841 |
| Net charge-offs to loans | -0.0011% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8118% | 773 |
| Assets per employee ($millions) | 3.8702% | 4,136 |
| Cash dividends to net income (ytd only)* | 11.8486% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 1,883 |
| Loan loss allowance to noncurrent loans | 234.4956% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9176% | 2,565 |
| Noncurrent loans to loans | 0.6699% | 3,320 |
| Net loans and leases to total assets | 78.1687% | 1,075 |
| Net loans and leases to deposits | 95.3407% | 1,068 |
| Net loans and leases to core deposits | 121.8257% | 427 |
| Total domestic deposits to total assets | 81.9888% | 4,166 |
| Equity capital to assets | 13.5479% | 1,208 |
| Core capital (leverage) ratio | 13.4419% | 1,039 |
| Tier 1 risk-based capital ratio | 16.2305% | 2,699 |
| Total risk-based capital ratio | 17.4832% | 2,655 |
| Memoranda: | ||
| Average total assets | $151,510,750 | 3,578 |
| Average earning assets | $139,582,000 | 3,577 |
| Average equity | $20,168,500 | 3,186 |
| Average total loans | $121,961,000 | 3,046 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 1,668 |
| Cost of funding earning assets | 0.2549% | 4,890 |
| Net interest margin | 4.2030% | 1,105 |
| Noninterest income to average assets | 1.0072% | 1,165 |
| Noninterest expense to average assets | 4.4522% | 444 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4358% | 5,020 |
| Return on assets (ROA) | 0.4720% | 4,980 |
| Pretax return on assets | 0.4825% | 5,270 |
| Return on Equity (ROE) | 3.5666% | 5,196 |
| Retained earnings to average equity (ytd only) | 2.8194% | 4,250 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9017% | 692 |
| Assets per employee ($millions) | 3.7779% | 4,284 |
| Cash dividends to net income (ytd only)* | 20.9497% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 2,080 |
| Loan loss allowance to noncurrent loans | 454.5894% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 3,375 |
| Noncurrent loans to loans | 0.3413% | 4,468 |
| Net loans and leases to total assets | 81.0458% | 665 |
| Net loans and leases to deposits | 99.9431% | 662 |
| Net loans and leases to core deposits | 127.4462% | 319 |
| Total domestic deposits to total assets | 81.0919% | 4,588 |
| Equity capital to assets | 13.6848% | 1,094 |
| Core capital (leverage) ratio | 12.8945% | 1,211 |
| Tier 1 risk-based capital ratio | 16.1327% | 2,788 |
| Total risk-based capital ratio | 17.3860% | 2,742 |
| Memoranda: | ||
| Average total assets | $151,701,330 | 3,607 |
| Average earning assets | $140,423,670 | 3,593 |
| Average equity | $20,075,000 | 3,214 |
| Average total loans | $122,658,000 | 3,043 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 1,718 |
| Cost of funding earning assets | 0.2496% | 5,027 |
| Net interest margin | 4.1650% | 1,139 |
| Noninterest income to average assets | 0.9722% | 1,182 |
| Noninterest expense to average assets | 4.4553% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3598% | 5,223 |
| Return on assets (ROA) | 0.4289% | 5,074 |
| Pretax return on assets | 0.4497% | 5,321 |
| Return on Equity (ROE) | 3.2949% | 5,253 |
| Retained earnings to average equity (ytd only) | 1.7972% | 4,750 |
| Net charge-offs to loans | 0.0032% | 3,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 363 |
| Efficiency ratio | 92.2001% | 697 |
| Assets per employee ($millions) | 3.9365% | 4,086 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 2,319 |
| Loan loss allowance to noncurrent loans | 368.8235% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 3,360 |
| Noncurrent loans to loans | 0.4151% | 4,345 |
| Net loans and leases to total assets | 78.8027% | 825 |
| Net loans and leases to deposits | 99.0657% | 619 |
| Net loans and leases to core deposits | 126.4790% | 293 |
| Total domestic deposits to total assets | 79.5459% | 5,160 |
| Equity capital to assets | 13.0644% | 1,363 |
| Core capital (leverage) ratio | 12.9255% | 1,182 |
| Tier 1 risk-based capital ratio | 15.8950% | 2,973 |
| Total risk-based capital ratio | 17.1476% | 2,914 |
| Memoranda: | ||
| Average total assets | $153,882,500 | 3,592 |
| Average earning assets | $142,616,000 | 3,583 |
| Average equity | $20,031,000 | 3,235 |
| Average total loans | $123,340,000 | 3,029 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 2,379 |
| Cost of funding earning assets | 0.2639% | 5,177 |
| Net interest margin | 4.0932% | 1,599 |
| Noninterest income to average assets | 0.8029% | 1,863 |
| Noninterest expense to average assets | 3.4486% | 1,604 |
| Loan and lease loss provision to assets | 0.1314% | 1,992 |
| Net operating income to assets | 0.9671% | 2,544 |
| Return on assets (ROA) | 0.9671% | 2,630 |
| Pretax return on assets | 1.0131% | 3,443 |
| Return on Equity (ROE) | 7.5268% | 3,360 |
| Retained earnings to average equity (ytd only) | 2.7970% | 4,252 |
| Net charge-offs to loans | 0.2574% | 1,670 |
| Credit loss provision to net charge-offs | 65.3595% | 3,177 |
| Earnings coverage of net charge-offs (x) | 5.6928% | 3,371 |
| Efficiency ratio | 75.0822% | 2,654 |
| Assets per employee ($millions) | 4.2845% | 3,386 |
| Cash dividends to net income (ytd only)* | 62.8397% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 2,380 |
| Loan loss allowance to noncurrent loans | 153.5073% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 1.1722% | 2,420 |
| Noncurrent loans to loans | 0.9902% | 2,855 |
| Net loans and leases to total assets | 79.0555% | 879 |
| Net loans and leases to deposits | 99.1003% | 679 |
| Net loans and leases to core deposits | 127.9027% | 272 |
| Total domestic deposits to total assets | 79.7732% | 5,074 |
| Equity capital to assets | 12.9700% | 1,386 |
| Core capital (leverage) ratio | 13.0426% | 1,120 |
| Tier 1 risk-based capital ratio | 15.8072% | 3,054 |
| Total risk-based capital ratio | 17.0601% | 3,002 |
| Memoranda: | ||
| Average total assets | $152,204,600 | 3,597 |
| Average earning assets | $140,939,600 | 3,590 |
| Average equity | $19,556,800 | 3,207 |
| Average total loans | $118,868,600 | 3,070 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 2,655 |
| Cost of funding earning assets | 0.2658% | 5,249 |
| Net interest margin | 4.0294% | 1,792 |
| Noninterest income to average assets | 0.7735% | 2,001 |
| Noninterest expense to average assets | 3.4445% | 1,575 |
| Loan and lease loss provision to assets | 0.1318% | 1,902 |
| Net operating income to assets | 0.8824% | 3,007 |
| Return on assets (ROA) | 0.8824% | 3,108 |
| Pretax return on assets | 0.9273% | 3,871 |
| Return on Equity (ROE) | 6.8843% | 3,767 |
| Retained earnings to average equity (ytd only) | 2.9416% | 4,500 |
| Net charge-offs to loans | 0.2403% | 1,606 |
| Credit loss provision to net charge-offs | 70.7547% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.6840% | 3,216 |
| Efficiency ratio | 76.4832% | 2,418 |
| Assets per employee ($millions) | 4.4532% | 3,051 |
| Cash dividends to net income (ytd only)* | 57.2712% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 2,364 |
| Loan loss allowance to noncurrent loans | 359.3284% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.6922% | 3,743 |
| Noncurrent loans to loans | 0.4403% | 4,580 |
| Net loans and leases to total assets | 79.1368% | 819 |
| Net loans and leases to deposits | 101.1754% | 547 |
| Net loans and leases to core deposits | 133.8483% | 193 |
| Total domestic deposits to total assets | 78.2174% | 5,486 |
| Equity capital to assets | 13.1458% | 1,354 |
| Core capital (leverage) ratio | 12.5919% | 1,355 |
| Tier 1 risk-based capital ratio | 16.1051% | 3,014 |
| Total risk-based capital ratio | 17.3597% | 2,958 |
| Memoranda: | ||
| Average total assets | $151,695,500 | 3,629 |
| Average earning assets | $140,430,750 | 3,624 |
| Average equity | $19,444,750 | 3,235 |
| Average total loans | $117,631,250 | 3,108 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 2,898 |
| Cost of funding earning assets | 0.2650% | 5,333 |
| Net interest margin | 3.9499% | 1,967 |
| Noninterest income to average assets | 0.6996% | 2,281 |
| Noninterest expense to average assets | 3.3955% | 1,689 |
| Loan and lease loss provision to assets | 0.0988% | 2,378 |
| Net operating income to assets | 0.8182% | 3,243 |
| Return on assets (ROA) | 0.8182% | 3,339 |
| Pretax return on assets | 0.8578% | 4,050 |
| Return on Equity (ROE) | 6.4380% | 3,919 |
| Retained earnings to average equity (ytd only) | 0.4769% | 5,550 |
| Net charge-offs to loans | 0.0998% | 2,684 |
| Credit loss provision to net charge-offs | 129.3103% | 1,612 |
| Earnings coverage of net charge-offs (x) | 12.5172% | 2,050 |
| Efficiency ratio | 78.0200% | 2,287 |
| Assets per employee ($millions) | 5.0143% | 2,198 |
| Cash dividends to net income (ytd only)* | 92.5926% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 2,275 |
| Loan loss allowance to noncurrent loans | 239.2601% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8414% | 3,452 |
| Noncurrent loans to loans | 0.6916% | 3,988 |
| Net loans and leases to total assets | 74.2646% | 1,406 |
| Net loans and leases to deposits | 93.6668% | 990 |
| Net loans and leases to core deposits | 120.4447% | 364 |
| Total domestic deposits to total assets | 79.2859% | 5,390 |
| Equity capital to assets | 12.1672% | 1,872 |
| Core capital (leverage) ratio | 12.7899% | 1,244 |
| Tier 1 risk-based capital ratio | 15.7549% | 3,222 |
| Total risk-based capital ratio | 17.0100% | 3,153 |
| Memoranda: | ||
| Average total assets | $151,790,670 | 3,651 |
| Average earning assets | $140,359,000 | 3,641 |
| Average equity | $19,291,670 | 3,242 |
| Average total loans | $116,259,330 | 3,132 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 2,754 |
| Cost of funding earning assets | 0.2644% | 5,448 |
| Net interest margin | 3.9686% | 1,861 |
| Noninterest income to average assets | 0.6863% | 2,244 |
| Noninterest expense to average assets | 3.4749% | 1,536 |
| Loan and lease loss provision to assets | 0.2034% | 1,143 |
| Net operating income to assets | 0.6375% | 4,009 |
| Return on assets (ROA) | 0.6375% | 4,101 |
| Pretax return on assets | 0.6727% | 4,583 |
| Return on Equity (ROE) | 4.9020% | 4,595 |
| Retained earnings to average equity (ytd only) | -7.0922% | 6,248 |
| Net charge-offs to loans | 0.2074% | 1,508 |
| Credit loss provision to net charge-offs | 127.1186% | 1,402 |
| Earnings coverage of net charge-offs (x) | 5.4746% | 2,367 |
| Efficiency ratio | 79.8628% | 2,229 |
| Assets per employee ($millions) | 4.5512% | 2,894 |
| Cash dividends to net income (ytd only)* | 244.6809% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 2,230 |
| Loan loss allowance to noncurrent loans | 122.6438% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.5427% | 2,292 |
| Noncurrent loans to loans | 1.4146% | 2,662 |
| Net loans and leases to total assets | 75.5734% | 1,052 |
| Net loans and leases to deposits | 92.8306% | 889 |
| Net loans and leases to core deposits | 121.6955% | 292 |
| Total domestic deposits to total assets | 81.4101% | 5,120 |
| Equity capital to assets | 12.6754% | 1,469 |
| Core capital (leverage) ratio | 12.9304% | 1,194 |
| Tier 1 risk-based capital ratio | 16.1584% | 3,081 |
| Total risk-based capital ratio | 17.4137% | 3,042 |
| Memoranda: | ||
| Average total assets | $147,458,000 | 3,743 |
| Average earning assets | $136,168,500 | 3,727 |
| Average equity | $19,176,000 | 3,258 |
| Average total loans | $113,805,500 | 3,187 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 2,737 |
| Cost of funding earning assets | 0.2952% | 5,638 |
| Net interest margin | 4.0639% | 1,749 |
| Noninterest income to average assets | 0.7699% | 2,213 |
| Noninterest expense to average assets | 3.4960% | 1,662 |
| Loan and lease loss provision to assets | 0.1504% | 2,400 |
| Net operating income to assets | 0.8141% | 3,220 |
| Return on assets (ROA) | 0.7931% | 3,423 |
| Pretax return on assets | 0.8567% | 3,931 |
| Return on Equity (ROE) | 6.1206% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.3688% | 3,070 |
| Net charge-offs to loans | 0.1749% | 3,081 |
| Credit loss provision to net charge-offs | 114.5833% | 2,107 |
| Earnings coverage of net charge-offs (x) | 7.8438% | 2,774 |
| Efficiency ratio | 77.2473% | 2,583 |
| Assets per employee ($millions) | 4.0202% | 3,829 |
| Cash dividends to net income (ytd only)* | 28.6207% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 2,150 |
| Loan loss allowance to noncurrent loans | 105.4642% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.6079% | 2,309 |
| Noncurrent loans to loans | 1.6815% | 2,385 |
| Net loans and leases to total assets | 76.0853% | 1,064 |
| Net loans and leases to deposits | 94.7585% | 818 |
| Net loans and leases to core deposits | 128.4691% | 210 |
| Total domestic deposits to total assets | 80.2939% | 5,376 |
| Equity capital to assets | 13.3458% | 1,124 |
| Core capital (leverage) ratio | 12.8401% | 1,205 |
| Tier 1 risk-based capital ratio | 17.1829% | 2,530 |
| Total risk-based capital ratio | 18.4392% | 2,506 |
| Memoranda: | ||
| Average total assets | $146,252,400 | 3,763 |
| Average earning assets | $135,164,400 | 3,734 |
| Average equity | $18,952,400 | 3,284 |
| Average total loans | $109,784,400 | 3,248 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 2,759 |
| Cost of funding earning assets | 0.3002% | 5,735 |
| Net interest margin | 4.0544% | 1,773 |
| Noninterest income to average assets | 0.9111% | 1,713 |
| Noninterest expense to average assets | 3.5516% | 1,490 |
| Loan and lease loss provision to assets | 0.2000% | 1,813 |
| Net operating income to assets | 0.8313% | 3,187 |
| Return on assets (ROA) | 0.8229% | 3,352 |
| Pretax return on assets | 0.8956% | 3,903 |
| Return on Equity (ROE) | 6.3973% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.0504% | 3,811 |
| Net charge-offs to loans | 0.0183% | 4,762 |
| Credit loss provision to net charge-offs | 1,466.6667% | 219 |
| Earnings coverage of net charge-offs (x) | 80.9980% | 585 |
| Efficiency ratio | 76.2742% | 2,688 |
| Assets per employee ($millions) | 4.1454% | 3,542 |
| Cash dividends to net income (ytd only)* | 36.6853% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9223% | 1,935 |
| Loan loss allowance to noncurrent loans | 152.8955% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 1.3268% | 2,984 |
| Noncurrent loans to loans | 1.2572% | 3,297 |
| Net loans and leases to total assets | 74.0195% | 1,288 |
| Net loans and leases to deposits | 94.5203% | 792 |
| Net loans and leases to core deposits | 139.3433% | 124 |
| Total domestic deposits to total assets | 78.3107% | 5,856 |
| Equity capital to assets | 12.7953% | 1,428 |
| Core capital (leverage) ratio | 12.9895% | 1,211 |
| Tier 1 risk-based capital ratio | 16.8420% | 2,775 |
| Total risk-based capital ratio | 18.1007% | 2,731 |
| Memoranda: | ||
| Average total assets | $146,633,750 | 3,803 |
| Average earning assets | $135,452,750 | 3,769 |
| Average equity | $18,861,750 | 3,328 |
| Average total loans | $109,204,500 | 3,286 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 2,814 |
| Cost of funding earning assets | 0.3091% | 5,756 |
| Net interest margin | 4.0254% | 1,774 |
| Noninterest income to average assets | 0.9453% | 1,675 |
| Noninterest expense to average assets | 3.5715% | 1,462 |
| Loan and lease loss provision to assets | 0.2744% | 1,343 |
| Net operating income to assets | 0.7567% | 3,529 |
| Return on assets (ROA) | 0.7478% | 3,728 |
| Pretax return on assets | 0.8068% | 4,288 |
| Return on Equity (ROE) | 5.8028% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.2679% | 4,836 |
| Net charge-offs to loans | 0.0204% | 4,434 |
| Credit loss provision to net charge-offs | 1,818.1818% | 169 |
| Earnings coverage of net charge-offs (x) | 72.2727% | 621 |
| Efficiency ratio | 76.6039% | 2,698 |
| Assets per employee ($millions) | 3.9049% | 4,008 |
| Cash dividends to net income (ytd only)* | 60.9174% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9488% | 1,968 |
| Loan loss allowance to noncurrent loans | 149.2019% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4370% | 2,945 |
| Noncurrent loans to loans | 1.3062% | 3,373 |
| Net loans and leases to total assets | 76.9511% | 872 |
| Net loans and leases to deposits | 99.8173% | 434 |
| Net loans and leases to core deposits | 141.6762% | 126 |
| Total domestic deposits to total assets | 77.0919% | 6,116 |
| Equity capital to assets | 13.3509% | 1,202 |
| Core capital (leverage) ratio | 12.8289% | 1,241 |
| Tier 1 risk-based capital ratio | 16.7346% | 2,823 |
| Total risk-based capital ratio | 17.9933% | 2,791 |
| Memoranda: | ||
| Average total assets | $145,766,670 | 3,844 |
| Average earning assets | $134,594,330 | 3,813 |
| Average equity | $18,784,000 | 3,357 |
| Average total loans | $108,063,330 | 3,320 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 3,423 |
| Cost of funding earning assets | 0.3123% | 5,872 |
| Net interest margin | 3.8586% | 2,249 |
| Noninterest income to average assets | 0.7873% | 2,176 |
| Noninterest expense to average assets | 3.4106% | 1,813 |
| Loan and lease loss provision to assets | 0.2696% | 1,316 |
| Net operating income to assets | 0.6359% | 4,046 |
| Return on assets (ROA) | 0.6282% | 4,241 |
| Pretax return on assets | 0.6632% | 4,735 |
| Return on Equity (ROE) | 4.9596% | 4,595 |
| Retained earnings to average equity (ytd only) | -2.1073% | 6,087 |
| Net charge-offs to loans | 0.0337% | 3,558 |
| Credit loss provision to net charge-offs | 1,111.1111% | 288 |
| Earnings coverage of net charge-offs (x) | 38.7778% | 813 |
| Efficiency ratio | 78.3767% | 2,553 |
| Assets per employee ($millions) | 4.2840% | 3,369 |
| Cash dividends to net income (ytd only)* | 142.4893% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 2,254 |
| Loan loss allowance to noncurrent loans | 60.1231% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 3.1753% | 1,375 |
| Noncurrent loans to loans | 3.1902% | 1,542 |
| Net loans and leases to total assets | 72.0410% | 1,342 |
| Net loans and leases to deposits | 91.5246% | 844 |
| Net loans and leases to core deposits | 122.4568% | 255 |
| Total domestic deposits to total assets | 78.7122% | 6,011 |
| Equity capital to assets | 12.8433% | 1,503 |
| Core capital (leverage) ratio | 12.3861% | 1,389 |
| Tier 1 risk-based capital ratio | 16.9270% | 2,783 |
| Total risk-based capital ratio | 18.1848% | 2,757 |
| Memoranda: | ||
| Average total assets | $148,362,500 | 3,842 |
| Average earning assets | $137,043,000 | 3,809 |
| Average equity | $18,792,000 | 3,404 |
| Average total loans | $106,933,000 | 3,360 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 3,021 |
| Cost of funding earning assets | 0.4482% | 5,594 |
| Net interest margin | 4.1472% | 1,831 |
| Noninterest income to average assets | 1.0644% | 1,368 |
| Noninterest expense to average assets | 3.4754% | 1,883 |
| Loan and lease loss provision to assets | 0.4503% | 1,398 |
| Net operating income to assets | 0.9405% | 2,596 |
| Return on assets (ROA) | 0.8675% | 3,215 |
| Pretax return on assets | 0.8850% | 3,978 |
| Return on Equity (ROE) | 6.8447% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.8447% | 1,645 |
| Net charge-offs to loans | 0.4746% | 2,337 |
| Credit loss provision to net charge-offs | 129.8174% | 2,161 |
| Earnings coverage of net charge-offs (x) | 4.0649% | 3,493 |
| Efficiency ratio | 71.1406% | 3,601 |
| Assets per employee ($millions) | 4.4432% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 2,482 |
| Loan loss allowance to noncurrent loans | 55.4738% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 3.0668% | 1,539 |
| Noncurrent loans to loans | 3.3074% | 1,550 |
| Net loans and leases to total assets | 69.4524% | 1,953 |
| Net loans and leases to deposits | 87.7537% | 1,305 |
| Net loans and leases to core deposits | 114.4252% | 404 |
| Total domestic deposits to total assets | 79.1446% | 5,860 |
| Equity capital to assets | 12.4956% | 1,717 |
| Core capital (leverage) ratio | 12.3164% | 1,394 |
| Tier 1 risk-based capital ratio | 17.2454% | 2,542 |
| Total risk-based capital ratio | 18.5030% | 2,516 |
| Memoranda: | ||
| Average total assets | $142,140,200 | 3,914 |
| Average earning assets | $130,955,600 | 3,879 |
| Average equity | $18,014,000 | 3,463 |
| Average total loans | $103,869,800 | 3,434 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 2,972 |
| Cost of funding earning assets | 0.4785% | 5,574 |
| Net interest margin | 4.1808% | 1,795 |
| Noninterest income to average assets | 1.0778% | 1,296 |
| Noninterest expense to average assets | 3.4650% | 1,846 |
| Loan and lease loss provision to assets | 0.4670% | 1,328 |
| Net operating income to assets | 0.9742% | 2,636 |
| Return on assets (ROA) | 0.8910% | 3,262 |
| Pretax return on assets | 0.9082% | 4,071 |
| Return on Equity (ROE) | 7.0043% | 3,814 |
| Retained earnings to average equity (ytd only) | 7.0043% | 2,131 |
| Net charge-offs to loans | 0.2767% | 3,065 |
| Credit loss provision to net charge-offs | 228.9720% | 1,205 |
| Earnings coverage of net charge-offs (x) | 7.1588% | 2,649 |
| Efficiency ratio | 70.3560% | 3,620 |
| Assets per employee ($millions) | 4.9562% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9208% | 2,413 |
| Loan loss allowance to noncurrent loans | 58.3147% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 3.3271% | 1,526 |
| Noncurrent loans to loans | 3.2938% | 1,668 |
| Net loans and leases to total assets | 71.7749% | 1,592 |
| Net loans and leases to deposits | 89.9664% | 1,148 |
| Net loans and leases to core deposits | 127.3432% | 215 |
| Total domestic deposits to total assets | 79.7797% | 5,712 |
| Equity capital to assets | 12.5135% | 1,883 |
| Core capital (leverage) ratio | 12.7087% | 1,310 |
| Tier 1 risk-based capital ratio | 16.3061% | 3,108 |
| Total risk-based capital ratio | 17.5638% | 3,073 |
| Memoranda: | ||
| Average total assets | $139,908,000 | 3,987 |
| Average earning assets | $128,742,500 | 3,964 |
| Average equity | $17,798,250 | 3,530 |
| Average total loans | $103,116,750 | 3,483 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 3,156 |
| Cost of funding earning assets | 0.5035% | 5,596 |
| Net interest margin | 4.1420% | 1,934 |
| Noninterest income to average assets | 1.1257% | 1,125 |
| Noninterest expense to average assets | 3.5187% | 1,741 |
| Loan and lease loss provision to assets | 0.5110% | 1,229 |
| Net operating income to assets | 0.8840% | 2,984 |
| Return on assets (ROA) | 0.7738% | 3,771 |
| Pretax return on assets | 0.7913% | 4,503 |
| Return on Equity (ROE) | 6.0471% | 4,303 |
| Retained earnings to average equity (ytd only) | 6.0471% | 2,688 |
| Net charge-offs to loans | 0.4288% | 2,327 |
| Credit loss provision to net charge-offs | 161.2903% | 1,728 |
| Earnings coverage of net charge-offs (x) | 4.4654% | 3,073 |
| Efficiency ratio | 71.3229% | 3,548 |
| Assets per employee ($millions) | 4.6101% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 2,674 |
| Loan loss allowance to noncurrent loans | 153.7915% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 1.9226% | 2,877 |
| Noncurrent loans to loans | 1.2089% | 4,136 |
| Net loans and leases to total assets | 74.3129% | 1,204 |
| Net loans and leases to deposits | 97.1969% | 563 |
| Net loans and leases to core deposits | 134.7029% | 178 |
| Total domestic deposits to total assets | 76.4560% | 6,401 |
| Equity capital to assets | 12.9715% | 1,536 |
| Core capital (leverage) ratio | 12.9379% | 1,169 |
| Tier 1 risk-based capital ratio | 16.5283% | 2,900 |
| Total risk-based capital ratio | 17.7856% | 2,857 |
| Memoranda: | ||
| Average total assets | $136,981,670 | 4,055 |
| Average earning assets | $125,929,670 | 4,033 |
| Average equity | $17,529,000 | 3,565 |
| Average total loans | $101,219,000 | 3,542 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 3,568 |
| Cost of funding earning assets | 0.5284% | 5,619 |
| Net interest margin | 4.0583% | 2,266 |
| Noninterest income to average assets | 1.1414% | 1,084 |
| Noninterest expense to average assets | 3.4536% | 1,865 |
| Loan and lease loss provision to assets | 0.4842% | 1,257 |
| Net operating income to assets | 0.9268% | 2,803 |
| Return on assets (ROA) | 0.9037% | 3,121 |
| Pretax return on assets | 0.9214% | 3,962 |
| Return on Equity (ROE) | 7.1117% | 3,719 |
| Retained earnings to average equity (ytd only) | 7.1117% | 2,373 |
| Net charge-offs to loans | 0.0885% | 3,630 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 22.1364% | 1,135 |
| Efficiency ratio | 70.7332% | 3,669 |
| Assets per employee ($millions) | 4.8925% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9975% | 2,361 |
| Loan loss allowance to noncurrent loans | 65.4953% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 3.3126% | 1,742 |
| Noncurrent loans to loans | 3.0499% | 2,114 |
| Net loans and leases to total assets | 70.0878% | 1,737 |
| Net loans and leases to deposits | 88.0184% | 1,157 |
| Net loans and leases to core deposits | 123.7262% | 256 |
| Total domestic deposits to total assets | 79.6286% | 5,940 |
| Equity capital to assets | 12.8125% | 1,536 |
| Core capital (leverage) ratio | 12.9711% | 1,137 |
| Tier 1 risk-based capital ratio | 16.5579% | 2,883 |
| Total risk-based capital ratio | 17.8154% | 2,844 |
| Memoranda: | ||
| Average total assets | $136,321,000 | 4,106 |
| Average earning assets | $125,669,500 | 4,072 |
| Average equity | $17,323,500 | 3,602 |
| Average total loans | $99,466,500 | 3,607 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 2,481 |
| Cost of funding earning assets | 0.7903% | 4,936 |
| Net interest margin | 4.3030% | 1,687 |
| Noninterest income to average assets | 0.4889% | 3,930 |
| Noninterest expense to average assets | 3.3167% | 2,473 |
| Loan and lease loss provision to assets | 0.7006% | 1,461 |
| Net operating income to assets | 0.4087% | 4,822 |
| Return on assets (ROA) | 0.3957% | 5,052 |
| Pretax return on assets | 0.3988% | 5,300 |
| Return on Equity (ROE) | 3.0677% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.0677% | 4,044 |
| Net charge-offs to loans | 0.8794% | 1,980 |
| Credit loss provision to net charge-offs | 107.3113% | 3,151 |
| Earnings coverage of net charge-offs (x) | 1.7040% | 4,499 |
| Efficiency ratio | 74.8827% | 3,075 |
| Assets per employee ($millions) | 4.6776% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 2,878 |
| Loan loss allowance to noncurrent loans | 102.2548% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 2.4187% | 2,514 |
| Noncurrent loans to loans | 1.7571% | 3,522 |
| Net loans and leases to total assets | 73.0905% | 1,435 |
| Net loans and leases to deposits | 93.8910% | 818 |
| Net loans and leases to core deposits | 133.2527% | 209 |
| Total domestic deposits to total assets | 77.8461% | 6,223 |
| Equity capital to assets | 12.6022% | 1,745 |
| Core capital (leverage) ratio | 12.4946% | 1,356 |
| Tier 1 risk-based capital ratio | 16.0451% | 3,021 |
| Total risk-based capital ratio | 17.3017% | 2,975 |
| Memoranda: | ||
| Average total assets | $129,887,000 | 4,172 |
| Average earning assets | $118,939,800 | 4,159 |
| Average equity | $16,755,200 | 3,616 |
| Average total loans | $96,434,600 | 3,718 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1449% | 2,407 |
| Cost of funding earning assets | 0.8495% | 4,776 |
| Net interest margin | 4.2954% | 1,734 |
| Noninterest income to average assets | 0.3882% | 4,751 |
| Noninterest expense to average assets | 3.3777% | 2,255 |
| Loan and lease loss provision to assets | 0.7214% | 1,329 |
| Net operating income to assets | 0.2052% | 5,691 |
| Return on assets (ROA) | 0.2387% | 5,735 |
| Pretax return on assets | 0.2439% | 5,818 |
| Return on Equity (ROE) | 1.8396% | 5,829 |
| Retained earnings to average equity (ytd only) | 1.8396% | 5,217 |
| Net charge-offs to loans | 1.0996% | 1,444 |
| Credit loss provision to net charge-offs | 88.4224% | 3,824 |
| Earnings coverage of net charge-offs (x) | 1.1412% | 4,774 |
| Efficiency ratio | 78.3907% | 2,493 |
| Assets per employee ($millions) | 5.2320% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 3,334 |
| Loan loss allowance to noncurrent loans | 86.7816% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 2.5112% | 2,571 |
| Noncurrent loans to loans | 1.9376% | 3,446 |
| Net loans and leases to total assets | 71.3937% | 1,835 |
| Net loans and leases to deposits | 90.1922% | 1,195 |
| Net loans and leases to core deposits | 129.7220% | 249 |
| Total domestic deposits to total assets | 79.1573% | 5,959 |
| Equity capital to assets | 12.3573% | 1,995 |
| Core capital (leverage) ratio | 12.9236% | 1,255 |
| Tier 1 risk-based capital ratio | 16.0702% | 3,079 |
| Total risk-based capital ratio | 17.3241% | 3,039 |
| Memoranda: | ||
| Average total assets | $128,446,000 | 4,227 |
| Average earning assets | $117,239,250 | 4,217 |
| Average equity | $16,670,250 | 3,634 |
| Average total loans | $95,302,750 | 3,774 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1742% | 2,365 |
| Cost of funding earning assets | 0.9282% | 4,461 |
| Net interest margin | 4.2461% | 1,859 |
| Noninterest income to average assets | 0.5003% | 3,849 |
| Noninterest expense to average assets | 3.4769% | 2,046 |
| Loan and lease loss provision to assets | 0.7624% | 1,219 |
| Net operating income to assets | 0.1535% | 5,873 |
| Return on assets (ROA) | 0.2049% | 5,838 |
| Pretax return on assets | 0.2081% | 5,915 |
| Return on Equity (ROE) | 1.5520% | 5,921 |
| Retained earnings to average equity (ytd only) | 1.5520% | 5,207 |
| Net charge-offs to loans | 1.2300% | 1,276 |
| Credit loss provision to net charge-offs | 82.9016% | 3,687 |
| Earnings coverage of net charge-offs (x) | 0.9983% | 4,550 |
| Efficiency ratio | 79.1110% | 2,537 |
| Assets per employee ($millions) | 4.7124% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 3,162 |
| Loan loss allowance to noncurrent loans | 51.0185% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 4.6326% | 1,349 |
| Noncurrent loans to loans | 3.4234% | 2,070 |
| Net loans and leases to total assets | 75.8968% | 1,086 |
| Net loans and leases to deposits | 96.3987% | 696 |
| Net loans and leases to core deposits | 132.8443% | 241 |
| Total domestic deposits to total assets | 78.7322% | 6,144 |
| Equity capital to assets | 13.7060% | 1,206 |
| Core capital (leverage) ratio | 13.4192% | 1,019 |
| Tier 1 risk-based capital ratio | 16.5825% | 2,699 |
| Total risk-based capital ratio | 17.8365% | 2,655 |
| Memoranda: | ||
| Average total assets | $125,917,000 | 4,302 |
| Average earning assets | $115,495,000 | 4,290 |
| Average equity | $16,623,670 | 3,633 |
| Average total loans | $94,143,670 | 3,834 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1266% | 2,530 |
| Cost of funding earning assets | 0.9776% | 4,372 |
| Net interest margin | 4.1490% | 2,084 |
| Noninterest income to average assets | 0.3793% | 4,880 |
| Noninterest expense to average assets | 3.3068% | 2,537 |
| Loan and lease loss provision to assets | 0.9560% | 824 |
| Net operating income to assets | -0.0690% | 6,422 |
| Return on assets (ROA) | -0.0721% | 6,450 |
| Pretax return on assets | -0.0690% | 6,422 |
| Return on Equity (ROE) | -0.5563% | 6,434 |
| Retained earnings to average equity (ytd only) | -0.5563% | 5,897 |
| Net charge-offs to loans | 1.5038% | 908 |
| Credit loss provision to net charge-offs | 86.4023% | 3,007 |
| Earnings coverage of net charge-offs (x) | 0.8045% | 4,040 |
| Efficiency ratio | 78.7901% | 2,719 |
| Assets per employee ($millions) | 4.9069% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 2,862 |
| Loan loss allowance to noncurrent loans | 56.6866% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 4.2272% | 1,559 |
| Noncurrent loans to loans | 3.2596% | 2,308 |
| Net loans and leases to total assets | 70.9484% | 1,941 |
| Net loans and leases to deposits | 90.9270% | 1,131 |
| Net loans and leases to core deposits | 130.0648% | 272 |
| Total domestic deposits to total assets | 78.0279% | 6,376 |
| Equity capital to assets | 12.9542% | 1,401 |
| Core capital (leverage) ratio | 12.9166% | 1,149 |
| Tier 1 risk-based capital ratio | 16.5121% | 2,655 |
| Total risk-based capital ratio | 17.7682% | 2,628 |
| Memoranda: | ||
| Average total assets | $127,614,000 | 4,312 |
| Average earning assets | $117,426,500 | 4,266 |
| Average equity | $16,539,000 | 3,632 |
| Average total loans | $93,893,500 | 3,882 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4453% | 2,492 |
| Cost of funding earning assets | 1.2553% | 4,179 |
| Net interest margin | 4.1899% | 2,227 |
| Noninterest income to average assets | 0.5873% | 3,555 |
| Noninterest expense to average assets | 3.5239% | 2,111 |
| Loan and lease loss provision to assets | 0.6379% | 2,582 |
| Net operating income to assets | 0.3061% | 4,914 |
| Return on assets (ROA) | 0.2880% | 5,135 |
| Pretax return on assets | 0.2929% | 5,248 |
| Return on Equity (ROE) | 2.2074% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.2074% | 4,341 |
| Net charge-offs to loans | 0.5406% | 3,450 |
| Credit loss provision to net charge-offs | 148.8764% | 2,442 |
| Earnings coverage of net charge-offs (x) | 2.2154% | 4,066 |
| Efficiency ratio | 78.7803% | 2,565 |
| Assets per employee ($millions) | 4.9095% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8333% | 2,746 |
| Loan loss allowance to noncurrent loans | 68.1977% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 3.2746% | 2,158 |
| Noncurrent loans to loans | 2.6882% | 2,832 |
| Net loans and leases to total assets | 73.4951% | 1,770 |
| Net loans and leases to deposits | 95.2582% | 927 |
| Net loans and leases to core deposits | 133.7539% | 287 |
| Total domestic deposits to total assets | 77.1536% | 6,458 |
| Equity capital to assets | 12.9661% | 1,404 |
| Core capital (leverage) ratio | 12.8029% | 1,194 |
| Tier 1 risk-based capital ratio | 16.6663% | 2,468 |
| Total risk-based capital ratio | 17.9103% | 2,441 |
| Memoranda: | ||
| Average total assets | $124,634,800 | 4,384 |
| Average earning assets | $115,586,400 | 4,330 |
| Average equity | $16,263,400 | 3,712 |
| Average total loans | $98,782,600 | 3,834 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5079% | 2,399 |
| Cost of funding earning assets | 1.2947% | 4,247 |
| Net interest margin | 4.2132% | 2,177 |
| Noninterest income to average assets | 0.5274% | 3,965 |
| Noninterest expense to average assets | 3.6184% | 1,749 |
| Loan and lease loss provision to assets | 0.5274% | 2,824 |
| Net operating income to assets | 0.2852% | 5,224 |
| Return on assets (ROA) | 0.2852% | 5,387 |
| Pretax return on assets | 0.2938% | 5,530 |
| Return on Equity (ROE) | 2.1821% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.1821% | 4,862 |
| Net charge-offs to loans | 0.2959% | 4,179 |
| Credit loss provision to net charge-offs | 221.7195% | 1,557 |
| Earnings coverage of net charge-offs (x) | 3.4525% | 3,443 |
| Efficiency ratio | 81.5030% | 2,130 |
| Assets per employee ($millions) | 4.9514% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8016% | 2,788 |
| Loan loss allowance to noncurrent loans | 56.2480% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 3.8054% | 1,868 |
| Noncurrent loans to loans | 3.2029% | 2,485 |
| Net loans and leases to total assets | 74.5186% | 1,686 |
| Net loans and leases to deposits | 99.3157% | 698 |
| Net loans and leases to core deposits | 137.2275% | 290 |
| Total domestic deposits to total assets | 75.0320% | 6,794 |
| Equity capital to assets | 12.7531% | 1,713 |
| Core capital (leverage) ratio | 12.9301% | 1,258 |
| Tier 1 risk-based capital ratio | 16.0953% | 2,716 |
| Total risk-based capital ratio | 17.3553% | 2,660 |
| Memoranda: | ||
| Average total assets | $123,881,500 | 4,457 |
| Average earning assets | $115,031,250 | 4,403 |
| Average equity | $16,191,500 | 3,768 |
| Average total loans | $99,586,500 | 3,870 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6356% | 2,000 |
| Cost of funding earning assets | 1.3239% | 4,391 |
| Net interest margin | 4.3118% | 1,728 |
| Noninterest income to average assets | 0.5300% | 3,879 |
| Noninterest expense to average assets | 3.7509% | 1,448 |
| Loan and lease loss provision to assets | 0.5562% | 2,547 |
| Net operating income to assets | 0.2372% | 5,427 |
| Return on assets (ROA) | 0.2372% | 5,568 |
| Pretax return on assets | 0.2454% | 5,670 |
| Return on Equity (ROE) | 1.7995% | 5,694 |
| Retained earnings to average equity (ytd only) | 1.7995% | 4,964 |
| Net charge-offs to loans | 0.4011% | 3,376 |
| Credit loss provision to net charge-offs | 169.1542% | 2,316 |
| Earnings coverage of net charge-offs (x) | 2.4378% | 3,777 |
| Efficiency ratio | 82.3931% | 2,112 |
| Assets per employee ($millions) | 4.7089% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 3,288 |
| Loan loss allowance to noncurrent loans | 52.6316% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 4.1362% | 1,641 |
| Noncurrent loans to loans | 3.1153% | 2,578 |
| Net loans and leases to total assets | 79.8680% | 821 |
| Net loans and leases to deposits | 105.8452% | 400 |
| Net loans and leases to core deposits | 143.3069% | 252 |
| Total domestic deposits to total assets | 75.4574% | 6,785 |
| Equity capital to assets | 13.2425% | 1,459 |
| Core capital (leverage) ratio | 13.2014% | 1,141 |
| Tier 1 risk-based capital ratio | 15.9050% | 2,717 |
| Total risk-based capital ratio | 17.1572% | 2,676 |
| Memoranda: | ||
| Average total assets | $122,263,000 | 4,520 |
| Average earning assets | $114,060,000 | 4,451 |
| Average equity | $16,116,000 | 3,777 |
| Average total loans | $100,217,670 | 3,890 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6613% | 1,915 |
| Cost of funding earning assets | 1.3464% | 4,527 |
| Net interest margin | 4.3149% | 1,644 |
| Noninterest income to average assets | 0.5140% | 3,940 |
| Noninterest expense to average assets | 3.3099% | 2,503 |
| Loan and lease loss provision to assets | 0.6384% | 1,987 |
| Net operating income to assets | 0.6057% | 3,869 |
| Return on assets (ROA) | 0.6057% | 4,021 |
| Pretax return on assets | 0.6155% | 4,545 |
| Return on Equity (ROE) | 4.6056% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.6056% | 3,377 |
| Net charge-offs to loans | 0.4055% | 2,822 |
| Credit loss provision to net charge-offs | 191.1765% | 1,927 |
| Earnings coverage of net charge-offs (x) | 3.7549% | 2,797 |
| Efficiency ratio | 72.5251% | 3,835 |
| Assets per employee ($millions) | 4.7018% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 3,633 |
| Loan loss allowance to noncurrent loans | 62.1420% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 3.3383% | 2,134 |
| Noncurrent loans to loans | 2.5038% | 3,173 |
| Net loans and leases to total assets | 81.9817% | 594 |
| Net loans and leases to deposits | 106.1045% | 420 |
| Net loans and leases to core deposits | 143.6757% | 288 |
| Total domestic deposits to total assets | 77.2651% | 6,503 |
| Equity capital to assets | 13.2927% | 1,398 |
| Core capital (leverage) ratio | 13.2960% | 1,129 |
| Tier 1 risk-based capital ratio | 15.8284% | 2,715 |
| Total risk-based capital ratio | 17.0880% | 2,657 |
| Memoranda: | ||
| Average total assets | $122,178,500 | 4,579 |
| Average earning assets | $114,673,000 | 4,503 |
| Average equity | $16,067,500 | 3,822 |
| Average total loans | $100,619,500 | 3,943 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9918% | 1,906 |
| Cost of funding earning assets | 1.8026% | 3,982 |
| Net interest margin | 4.1892% | 2,106 |
| Noninterest income to average assets | 0.4973% | 4,437 |
| Noninterest expense to average assets | 3.3707% | 2,774 |
| Loan and lease loss provision to assets | 0.7499% | 2,861 |
| Net operating income to assets | 0.3822% | 4,197 |
| Return on assets (ROA) | 0.4570% | 4,022 |
| Pretax return on assets | 0.4666% | 4,299 |
| Return on Equity (ROE) | 3.3343% | 4,366 |
| Retained earnings to average equity (ytd only) | 3.3343% | 2,837 |
| Net charge-offs to loans | 0.5768% | 3,486 |
| Credit loss provision to net charge-offs | 152.4064% | 3,014 |
| Earnings coverage of net charge-offs (x) | 2.3173% | 3,992 |
| Efficiency ratio | 74.7229% | 3,755 |
| Assets per employee ($millions) | 5.0879% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 3,736 |
| Loan loss allowance to noncurrent loans | 45.0453% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 3.2921% | 2,085 |
| Noncurrent loans to loans | 3.3288% | 2,287 |
| Net loans and leases to total assets | 80.2095% | 957 |
| Net loans and leases to deposits | 108.4544% | 440 |
| Net loans and leases to core deposits | 150.3023% | 500 |
| Total domestic deposits to total assets | 73.9569% | 7,021 |
| Equity capital to assets | 13.0089% | 1,502 |
| Core capital (leverage) ratio | 13.2685% | 1,170 |
| Tier 1 risk-based capital ratio | 16.3415% | 2,379 |
| Total risk-based capital ratio | 17.5943% | 2,326 |
| Memoranda: | ||
| Average total assets | $114,010,600 | 4,727 |
| Average earning assets | $109,232,000 | 4,588 |
| Average equity | $15,625,600 | 3,941 |
| Average total loans | $97,254,400 | 4,029 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1157% | 1,592 |
| Cost of funding earning assets | 1.9029% | 3,869 |
| Net interest margin | 4.2128% | 2,003 |
| Noninterest income to average assets | 0.4691% | 4,759 |
| Noninterest expense to average assets | 3.4682% | 2,360 |
| Loan and lease loss provision to assets | 0.4941% | 3,430 |
| Net operating income to assets | 0.5370% | 3,837 |
| Return on assets (ROA) | 0.5370% | 3,926 |
| Pretax return on assets | 0.5501% | 4,358 |
| Return on Equity (ROE) | 3.8643% | 4,432 |
| Retained earnings to average equity (ytd only) | 3.8643% | 3,131 |
| Net charge-offs to loans | 0.0510% | 6,201 |
| Credit loss provision to net charge-offs | 1,121.6216% | 337 |
| Earnings coverage of net charge-offs (x) | 23.7036% | 1,110 |
| Efficiency ratio | 76.8602% | 3,349 |
| Assets per employee ($millions) | 4.9878% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 3,032 |
| Loan loss allowance to noncurrent loans | 115.3001% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 1.4001% | 4,300 |
| Noncurrent loans to loans | 1.3785% | 4,611 |
| Net loans and leases to total assets | 81.4641% | 902 |
| Net loans and leases to deposits | 108.5825% | 517 |
| Net loans and leases to core deposits | 157.8386% | 418 |
| Total domestic deposits to total assets | 75.0251% | 6,770 |
| Equity capital to assets | 13.3667% | 1,546 |
| Core capital (leverage) ratio | 14.1031% | 1,067 |
| Tier 1 risk-based capital ratio | 16.5091% | 2,425 |
| Total risk-based capital ratio | 17.7638% | 2,375 |
| Memoranda: | ||
| Average total assets | $111,986,000 | 4,808 |
| Average earning assets | $107,480,000 | 4,666 |
| Average equity | $15,560,750 | 3,990 |
| Average total loans | $96,709,500 | 4,066 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2523% | 1,328 |
| Cost of funding earning assets | 2.0202% | 3,681 |
| Net interest margin | 4.2321% | 1,874 |
| Noninterest income to average assets | 0.5100% | 4,361 |
| Noninterest expense to average assets | 3.5535% | 2,185 |
| Loan and lease loss provision to assets | 0.5392% | 2,875 |
| Net operating income to assets | 0.4826% | 4,159 |
| Return on assets (ROA) | 0.4826% | 4,273 |
| Pretax return on assets | 0.4954% | 4,632 |
| Return on Equity (ROE) | 3.4255% | 4,740 |
| Retained earnings to average equity (ytd only) | 3.4255% | 3,415 |
| Net charge-offs to loans | 0.0772% | 5,430 |
| Credit loss provision to net charge-offs | 797.2973% | 591 |
| Earnings coverage of net charge-offs (x) | 15.2973% | 1,607 |
| Efficiency ratio | 77.4502% | 3,429 |
| Assets per employee ($millions) | 4.3133% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 3,420 |
| Loan loss allowance to noncurrent loans | 139.5014% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 1.2065% | 4,525 |
| Noncurrent loans to loans | 1.0454% | 5,124 |
| Net loans and leases to total assets | 87.6706% | 258 |
| Net loans and leases to deposits | 111.9703% | 477 |
| Net loans and leases to core deposits | 151.7518% | 607 |
| Total domestic deposits to total assets | 78.2981% | 5,999 |
| Equity capital to assets | 13.7962% | 1,387 |
| Core capital (leverage) ratio | 14.3764% | 1,050 |
| Tier 1 risk-based capital ratio | 16.4798% | 2,454 |
| Total risk-based capital ratio | 17.6787% | 2,418 |
| Memoranda: | ||
| Average total assets | $109,412,000 | 4,900 |
| Average earning assets | $105,433,000 | 4,739 |
| Average equity | $15,414,000 | 4,035 |
| Average total loans | $95,914,670 | 4,121 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1515% | 1,757 |
| Cost of funding earning assets | 2.1182% | 3,569 |
| Net interest margin | 4.0333% | 2,521 |
| Noninterest income to average assets | 0.4739% | 4,557 |
| Noninterest expense to average assets | 3.3727% | 2,439 |
| Loan and lease loss provision to assets | 0.6479% | 1,955 |
| Net operating income to assets | 0.3443% | 5,093 |
| Return on assets (ROA) | 0.3443% | 5,279 |
| Pretax return on assets | 0.3517% | 5,530 |
| Return on Equity (ROE) | 2.4179% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.4179% | 4,530 |
| Net charge-offs to loans | 0.1575% | 3,704 |
| Credit loss provision to net charge-offs | 472.9730% | 1,126 |
| Earnings coverage of net charge-offs (x) | 7.2973% | 2,364 |
| Efficiency ratio | 77.1380% | 3,304 |
| Assets per employee ($millions) | 4.4190% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 3,515 |
| Loan loss allowance to noncurrent loans | 130.2439% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.2084% | 4,257 |
| Noncurrent loans to loans | 1.0732% | 4,835 |
| Net loans and leases to total assets | 85.2428% | 525 |
| Net loans and leases to deposits | 109.3917% | 649 |
| Net loans and leases to core deposits | 150.9820% | 674 |
| Total domestic deposits to total assets | 77.9244% | 6,042 |
| Equity capital to assets | 13.8547% | 1,407 |
| Core capital (leverage) ratio | 14.6525% | 1,044 |
| Tier 1 risk-based capital ratio | 16.8238% | 2,392 |
| Total risk-based capital ratio | 18.0697% | 2,330 |
| Memoranda: | ||
| Average total assets | $108,044,500 | 4,948 |
| Average earning assets | $104,430,000 | 4,793 |
| Average equity | $15,385,000 | 4,068 |
| Average total loans | $93,984,500 | 4,214 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5568% | 2,688 |
| Cost of funding earning assets | 2.5426% | 3,990 |
| Net interest margin | 4.0141% | 3,054 |
| Noninterest income to average assets | 0.2114% | 6,925 |
| Noninterest expense to average assets | 3.6169% | 2,105 |
| Loan and lease loss provision to assets | 0.5083% | 2,775 |
| Net operating income to assets | -0.0381% | 6,423 |
| Return on assets (ROA) | -0.0381% | 6,275 |
| Pretax return on assets | -0.0347% | 6,188 |
| Return on Equity (ROE) | -0.2113% | 6,263 |
| Retained earnings to average equity (ytd only) | -0.2113% | 5,347 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4213% | 1,640 |
| Assets per employee ($millions) | 4.2246% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 3,822 |
| Loan loss allowance to noncurrent loans | 58.8206% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.2241% | 2,196 |
| Noncurrent loans to loans | 2.2009% | 2,512 |
| Net loans and leases to total assets | 86.4137% | 550 |
| Net loans and leases to deposits | 113.8308% | 616 |
| Net loans and leases to core deposits | 147.6804% | 952 |
| Total domestic deposits to total assets | 75.9142% | 6,264 |
| Equity capital to assets | 14.6420% | 1,264 |
| Core capital (leverage) ratio | 15.4088% | 944 |
| Tier 1 risk-based capital ratio | 17.1155% | 2,273 |
| Total risk-based capital ratio | 18.2965% | 2,252 |
| Memoranda: | ||
| Average total assets | $86,566,800 | 5,459 |
| Average earning assets | $83,654,200 | 5,309 |
| Average equity | $15,617,000 | 3,998 |
| Average total loans | $74,032,400 | 4,736 |