Home > Prosperity Bank > Performance and Condition Ratios
Prosperity Bank, 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 | 4.2575% | 3,166 |
| Cost of funding earning assets | 0.9882% | 523 |
| Net interest margin | 3.2694% | 4,752 |
| Noninterest income to average assets | 0.4604% | 4,074 |
| Noninterest expense to average assets | 2.7686% | 3,768 |
| Loan and lease loss provision to assets | 0.3803% | 813 |
| Net operating income to assets | 0.1520% | 6,033 |
| Return on assets (ROA) | 0.1399% | 6,125 |
| Pretax return on assets | 0.2081% | 6,025 |
| Return on Equity (ROE) | 1.7059% | 6,024 |
| Retained earnings to average equity (ytd only) | 1.7059% | 5,287 |
| Net charge-offs to loans | 0.8984% | 648 |
| Credit loss provision to net charge-offs | 66.3243% | 3,155 |
| Earnings coverage of net charge-offs (x) | 1.0576% | 4,493 |
| Efficiency ratio | 81.7831% | 1,852 |
| Assets per employee ($millions) | 4.8859% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 3,650 |
| Loan loss allowance to noncurrent loans | 76.7705% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 2.2381% | 1,773 |
| Noncurrent loans to loans | 1.8992% | 2,370 |
| Net loans and leases to total assets | 64.3889% | 2,939 |
| Net loans and leases to deposits | 98.0575% | 568 |
| Net loans and leases to core deposits | 98.9809% | 1,173 |
| Total domestic deposits to total assets | 65.6644% | 6,713 |
| Equity capital to assets | 8.0720% | 6,103 |
| Core capital (leverage) ratio | 7.0544% | 6,574 |
| Tier 1 risk-based capital ratio | 10.5710% | 6,430 |
| Total risk-based capital ratio | 12.2471% | 6,248 |
| Memoranda: | ||
| Average total assets | $747,081,750 | 899 |
| Average earning assets | $666,007,250 | 910 |
| Average equity | $61,274,750 | 1,184 |
| Average total loans | $476,847,000 | 891 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 3,320 |
| Cost of funding earning assets | 0.9900% | 567 |
| Net interest margin | 3.2215% | 4,866 |
| Noninterest income to average assets | 0.3559% | 4,842 |
| Noninterest expense to average assets | 2.7550% | 3,838 |
| Loan and lease loss provision to assets | 0.4509% | 644 |
| Net operating income to assets | 0.0219% | 6,278 |
| Return on assets (ROA) | 0.0046% | 6,361 |
| Pretax return on assets | -0.0070% | 6,362 |
| Return on Equity (ROE) | 0.0552% | 6,363 |
| Retained earnings to average equity (ytd only) | 0.0552% | 5,832 |
| Net charge-offs to loans | 1.1844% | 493 |
| Credit loss provision to net charge-offs | 60.1214% | 3,015 |
| Earnings coverage of net charge-offs (x) | 0.6280% | 4,311 |
| Efficiency ratio | 85.1345% | 1,509 |
| Assets per employee ($millions) | 4.7981% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 3,757 |
| Loan loss allowance to noncurrent loans | 91.2098% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 2.0892% | 2,070 |
| Noncurrent loans to loans | 1.6032% | 2,904 |
| Net loans and leases to total assets | 63.8032% | 2,946 |
| Net loans and leases to deposits | 96.3764% | 644 |
| Net loans and leases to core deposits | 97.0929% | 1,274 |
| Total domestic deposits to total assets | 66.2021% | 6,753 |
| Equity capital to assets | 7.9995% | 6,198 |
| Core capital (leverage) ratio | 6.8828% | 6,639 |
| Tier 1 risk-based capital ratio | 10.3290% | 6,560 |
| Total risk-based capital ratio | 12.0046% | 6,395 |
| Memoranda: | ||
| Average total assets | $746,926,330 | 900 |
| Average earning assets | $665,464,330 | 907 |
| Average equity | $61,585,670 | 1,183 |
| Average total loans | $472,976,000 | 896 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2170% | 3,225 |
| Cost of funding earning assets | 0.9969% | 623 |
| Net interest margin | 3.2201% | 4,848 |
| Noninterest income to average assets | 0.2327% | 5,789 |
| Noninterest expense to average assets | 2.7652% | 3,814 |
| Loan and lease loss provision to assets | 0.6739% | 353 |
| Net operating income to assets | -0.2051% | 6,520 |
| Return on assets (ROA) | -0.2294% | 6,569 |
| Pretax return on assets | -0.3785% | 6,628 |
| Return on Equity (ROE) | -2.7418% | 6,598 |
| Retained earnings to average equity (ytd only) | -2.7418% | 6,164 |
| Net charge-offs to loans | 1.2981% | 432 |
| Credit loss provision to net charge-offs | 82.9156% | 2,123 |
| Earnings coverage of net charge-offs (x) | 0.4103% | 3,676 |
| Efficiency ratio | 88.9619% | 1,235 |
| Assets per employee ($millions) | 4.7831% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6883% | 3,057 |
| Loan loss allowance to noncurrent loans | 71.9917% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.5647% | 1,789 |
| Noncurrent loans to loans | 2.3452% | 2,225 |
| Net loans and leases to total assets | 61.2176% | 3,222 |
| Net loans and leases to deposits | 92.4734% | 762 |
| Net loans and leases to core deposits | 93.1748% | 1,404 |
| Total domestic deposits to total assets | 66.2002% | 6,843 |
| Equity capital to assets | 8.2041% | 6,246 |
| Core capital (leverage) ratio | 6.7781% | 6,698 |
| Tier 1 risk-based capital ratio | 10.4885% | 6,580 |
| Total risk-based capital ratio | 12.3891% | 6,320 |
| Memoranda: | ||
| Average total assets | $746,134,500 | 904 |
| Average earning assets | $664,079,000 | 917 |
| Average equity | $62,440,000 | 1,182 |
| Average total loans | $467,134,000 | 908 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6121% | 2,952 |
| Cost of funding earning assets | 1.0613% | 1,069 |
| Net interest margin | 3.5507% | 4,297 |
| Noninterest income to average assets | 0.4906% | 3,964 |
| Noninterest expense to average assets | 2.9334% | 3,527 |
| Loan and lease loss provision to assets | 0.4634% | 1,352 |
| Net operating income to assets | 0.2255% | 5,714 |
| Return on assets (ROA) | 0.3298% | 5,577 |
| Pretax return on assets | 0.3337% | 5,757 |
| Return on Equity (ROE) | 4.0929% | 5,102 |
| Retained earnings to average equity (ytd only) | 4.0929% | 3,333 |
| Net charge-offs to loans | 1.3295% | 721 |
| Credit loss provision to net charge-offs | 56.5945% | 4,533 |
| Earnings coverage of net charge-offs (x) | 0.8447% | 5,053 |
| Efficiency ratio | 80.6943% | 2,052 |
| Assets per employee ($millions) | 4.5748% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 2,693 |
| Loan loss allowance to noncurrent loans | 71.0734% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 3.0785% | 1,529 |
| Noncurrent loans to loans | 2.4894% | 2,127 |
| Net loans and leases to total assets | 61.8404% | 3,277 |
| Net loans and leases to deposits | 95.0786% | 674 |
| Net loans and leases to core deposits | 95.8925% | 1,313 |
| Total domestic deposits to total assets | 65.0414% | 6,917 |
| Equity capital to assets | 8.5371% | 6,016 |
| Core capital (leverage) ratio | 6.8507% | 6,741 |
| Tier 1 risk-based capital ratio | 10.7016% | 6,473 |
| Total risk-based capital ratio | 12.6054% | 6,160 |
| Memoranda: | ||
| Average total assets | $773,168,200 | 856 |
| Average earning assets | $682,537,400 | 884 |
| Average equity | $62,303,400 | 1,142 |
| Average total loans | $476,199,800 | 860 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 2,981 |
| Cost of funding earning assets | 1.0721% | 1,189 |
| Net interest margin | 3.5850% | 4,295 |
| Noninterest income to average assets | 0.3765% | 4,811 |
| Noninterest expense to average assets | 2.9552% | 3,389 |
| Loan and lease loss provision to assets | 0.3081% | 2,146 |
| Net operating income to assets | 0.2904% | 5,646 |
| Return on assets (ROA) | 0.3937% | 5,489 |
| Pretax return on assets | 0.3777% | 5,769 |
| Return on Equity (ROE) | 4.9549% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.9549% | 3,395 |
| Net charge-offs to loans | 1.1969% | 816 |
| Credit loss provision to net charge-offs | 42.0172% | 4,572 |
| Earnings coverage of net charge-offs (x) | 0.7943% | 4,932 |
| Efficiency ratio | 83.3076% | 1,668 |
| Assets per employee ($millions) | 4.3392% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7871% | 2,833 |
| Loan loss allowance to noncurrent loans | 109.2495% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 2.5382% | 2,081 |
| Noncurrent loans to loans | 1.6358% | 3,343 |
| Net loans and leases to total assets | 60.8557% | 3,597 |
| Net loans and leases to deposits | 90.8268% | 1,063 |
| Net loans and leases to core deposits | 91.4642% | 1,832 |
| Total domestic deposits to total assets | 67.0019% | 6,952 |
| Equity capital to assets | 8.2840% | 6,430 |
| Core capital (leverage) ratio | 6.5397% | 6,877 |
| Tier 1 risk-based capital ratio | 10.3794% | 6,707 |
| Total risk-based capital ratio | 12.2667% | 6,454 |
| Memoranda: | ||
| Average total assets | $782,325,500 | 854 |
| Average earning assets | $689,864,750 | 885 |
| Average equity | $62,159,500 | 1,156 |
| Average total loans | $479,329,000 | 865 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 3,291 |
| Cost of funding earning assets | 1.0906% | 1,258 |
| Net interest margin | 3.5264% | 4,566 |
| Noninterest income to average assets | 0.2932% | 5,457 |
| Noninterest expense to average assets | 2.9371% | 3,486 |
| Loan and lease loss provision to assets | 0.0961% | 4,338 |
| Net operating income to assets | 0.4406% | 5,076 |
| Return on assets (ROA) | 0.4872% | 5,129 |
| Pretax return on assets | 0.4117% | 5,683 |
| Return on Equity (ROE) | 6.2177% | 4,199 |
| Retained earnings to average equity (ytd only) | 6.2177% | 2,557 |
| Net charge-offs to loans | 1.1546% | 935 |
| Credit loss provision to net charge-offs | 13.6380% | 4,695 |
| Earnings coverage of net charge-offs (x) | 0.6542% | 4,730 |
| Efficiency ratio | 86.1920% | 1,414 |
| Assets per employee ($millions) | 4.3689% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7828% | 2,911 |
| Loan loss allowance to noncurrent loans | 91.5534% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 2.8050% | 1,964 |
| Noncurrent loans to loans | 1.9473% | 3,003 |
| Net loans and leases to total assets | 59.9105% | 3,839 |
| Net loans and leases to deposits | 87.8064% | 1,383 |
| Net loans and leases to core deposits | 88.4768% | 2,151 |
| Total domestic deposits to total assets | 68.2302% | 6,988 |
| Equity capital to assets | 8.0507% | 6,538 |
| Core capital (leverage) ratio | 6.3511% | 6,951 |
| Tier 1 risk-based capital ratio | 9.7322% | 6,883 |
| Total risk-based capital ratio | 11.5851% | 6,731 |
| Memoranda: | ||
| Average total assets | $788,532,330 | 840 |
| Average earning assets | $694,313,000 | 874 |
| Average equity | $61,791,000 | 1,155 |
| Average total loans | $481,367,000 | 857 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 3,203 |
| Cost of funding earning assets | 1.1057% | 1,380 |
| Net interest margin | 3.5567% | 4,458 |
| Noninterest income to average assets | 0.1621% | 6,414 |
| Noninterest expense to average assets | 2.9868% | 3,302 |
| Loan and lease loss provision to assets | 0.1393% | 3,617 |
| Net operating income to assets | 0.5395% | 4,657 |
| Return on assets (ROA) | 0.5770% | 4,682 |
| Pretax return on assets | 0.1940% | 6,217 |
| Return on Equity (ROE) | 7.4650% | 3,522 |
| Retained earnings to average equity (ytd only) | 7.4650% | 2,195 |
| Net charge-offs to loans | 1.1497% | 898 |
| Credit loss provision to net charge-offs | 19.8413% | 3,779 |
| Earnings coverage of net charge-offs (x) | 0.4214% | 4,145 |
| Efficiency ratio | 90.7407% | 1,037 |
| Assets per employee ($millions) | 4.5194% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0385% | 2,241 |
| Loan loss allowance to noncurrent loans | 112.3145% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 3.0999% | 1,876 |
| Noncurrent loans to loans | 1.8150% | 3,387 |
| Net loans and leases to total assets | 59.1191% | 3,833 |
| Net loans and leases to deposits | 85.8012% | 1,445 |
| Net loans and leases to core deposits | 86.2665% | 2,261 |
| Total domestic deposits to total assets | 68.9024% | 7,024 |
| Equity capital to assets | 7.6904% | 6,697 |
| Core capital (leverage) ratio | 6.2232% | 7,012 |
| Tier 1 risk-based capital ratio | 9.4870% | 6,968 |
| Total risk-based capital ratio | 11.5405% | 6,802 |
| Memoranda: | ||
| Average total assets | $789,601,000 | 840 |
| Average earning assets | $692,778,000 | 876 |
| Average equity | $61,031,500 | 1,166 |
| Average total loans | $482,208,000 | 855 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 2,618 |
| Cost of funding earning assets | 1.2429% | 1,771 |
| Net interest margin | 3.8149% | 3,747 |
| Noninterest income to average assets | 0.3412% | 5,088 |
| Noninterest expense to average assets | 3.0490% | 3,399 |
| Loan and lease loss provision to assets | 0.6493% | 1,570 |
| Net operating income to assets | -0.0201% | 6,071 |
| Return on assets (ROA) | 0.0028% | 6,159 |
| Pretax return on assets | -0.0111% | 6,144 |
| Return on Equity (ROE) | 0.0391% | 6,154 |
| Retained earnings to average equity (ytd only) | 0.0391% | 5,820 |
| Net charge-offs to loans | 1.9169% | 745 |
| Credit loss provision to net charge-offs | 53.3732% | 5,338 |
| Earnings coverage of net charge-offs (x) | 0.4951% | 5,457 |
| Efficiency ratio | 83.2922% | 1,850 |
| Assets per employee ($millions) | 4.3779% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2738% | 1,669 |
| Loan loss allowance to noncurrent loans | 103.5552% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 3.7875% | 1,528 |
| Noncurrent loans to loans | 2.1957% | 2,954 |
| Net loans and leases to total assets | 60.4040% | 3,919 |
| Net loans and leases to deposits | 88.2063% | 1,353 |
| Net loans and leases to core deposits | 88.8707% | 2,265 |
| Total domestic deposits to total assets | 68.4804% | 7,053 |
| Equity capital to assets | 7.7694% | 6,704 |
| Core capital (leverage) ratio | 6.1794% | 7,036 |
| Tier 1 risk-based capital ratio | 9.3864% | 6,982 |
| Total risk-based capital ratio | 11.4379% | 6,785 |
| Memoranda: | ||
| Average total assets | $810,260,200 | 807 |
| Average earning assets | $703,039,200 | 854 |
| Average equity | $58,886,600 | 1,151 |
| Average total loans | $514,228,800 | 806 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1017% | 2,602 |
| Cost of funding earning assets | 1.2741% | 1,846 |
| Net interest margin | 3.8276% | 3,733 |
| Noninterest income to average assets | 0.4034% | 4,640 |
| Noninterest expense to average assets | 2.8809% | 4,009 |
| Loan and lease loss provision to assets | 0.7389% | 1,296 |
| Net operating income to assets | 0.0697% | 6,027 |
| Return on assets (ROA) | 0.0821% | 6,122 |
| Pretax return on assets | 0.1162% | 6,064 |
| Return on Equity (ROE) | 1.1492% | 6,039 |
| Retained earnings to average equity (ytd only) | 1.1492% | 5,558 |
| Net charge-offs to loans | 1.9378% | 667 |
| Credit loss provision to net charge-offs | 59.7076% | 4,814 |
| Earnings coverage of net charge-offs (x) | 0.6768% | 5,116 |
| Efficiency ratio | 77.2717% | 2,643 |
| Assets per employee ($millions) | 4.2379% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5514% | 1,326 |
| Loan loss allowance to noncurrent loans | 117.2236% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 4.4120% | 1,367 |
| Noncurrent loans to loans | 2.1765% | 3,142 |
| Net loans and leases to total assets | 59.5545% | 4,217 |
| Net loans and leases to deposits | 87.5683% | 1,482 |
| Net loans and leases to core deposits | 88.1508% | 2,466 |
| Total domestic deposits to total assets | 68.0093% | 7,142 |
| Equity capital to assets | 7.6402% | 6,873 |
| Core capital (leverage) ratio | 6.1455% | 7,116 |
| Tier 1 risk-based capital ratio | 9.3097% | 7,080 |
| Total risk-based capital ratio | 11.3434% | 6,919 |
| Memoranda: | ||
| Average total assets | $818,007,500 | 804 |
| Average earning assets | $708,458,500 | 851 |
| Average equity | $58,472,000 | 1,159 |
| Average total loans | $522,370,250 | 810 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 2,564 |
| Cost of funding earning assets | 1.3050% | 1,914 |
| Net interest margin | 3.8205% | 3,687 |
| Noninterest income to average assets | 0.3700% | 4,909 |
| Noninterest expense to average assets | 2.8773% | 4,117 |
| Loan and lease loss provision to assets | 0.5806% | 1,666 |
| Net operating income to assets | 0.1445% | 5,900 |
| Return on assets (ROA) | 0.1445% | 5,995 |
| Pretax return on assets | 0.2163% | 5,897 |
| Return on Equity (ROE) | 2.0673% | 5,763 |
| Retained earnings to average equity (ytd only) | 2.0673% | 4,942 |
| Net charge-offs to loans | 1.6226% | 902 |
| Credit loss provision to net charge-offs | 55.2577% | 4,454 |
| Earnings coverage of net charge-offs (x) | 0.7585% | 4,734 |
| Efficiency ratio | 78.0994% | 2,695 |
| Assets per employee ($millions) | 4.2128% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6386% | 1,258 |
| Loan loss allowance to noncurrent loans | 95.6772% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 5.0748% | 1,201 |
| Noncurrent loans to loans | 2.7578% | 2,644 |
| Net loans and leases to total assets | 62.0948% | 3,869 |
| Net loans and leases to deposits | 89.0398% | 1,371 |
| Net loans and leases to core deposits | 89.4988% | 2,439 |
| Total domestic deposits to total assets | 69.7382% | 7,128 |
| Equity capital to assets | 7.2607% | 7,039 |
| Core capital (leverage) ratio | 5.9963% | 7,193 |
| Tier 1 risk-based capital ratio | 8.9494% | 7,181 |
| Total risk-based capital ratio | 10.9518% | 7,059 |
| Memoranda: | ||
| Average total assets | $823,690,000 | 812 |
| Average earning assets | $712,358,330 | 857 |
| Average equity | $57,564,330 | 1,167 |
| Average total loans | $533,328,000 | 803 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0644% | 2,801 |
| Cost of funding earning assets | 1.3077% | 2,133 |
| Net interest margin | 3.7567% | 3,813 |
| Noninterest income to average assets | 0.3845% | 4,833 |
| Noninterest expense to average assets | 2.8675% | 4,204 |
| Loan and lease loss provision to assets | 0.4784% | 1,839 |
| Net operating income to assets | 0.1887% | 5,822 |
| Return on assets (ROA) | 0.1887% | 5,879 |
| Pretax return on assets | 0.2878% | 5,693 |
| Return on Equity (ROE) | 2.7517% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.7517% | 4,514 |
| Net charge-offs to loans | 1.7179% | 767 |
| Credit loss provision to net charge-offs | 42.6976% | 3,895 |
| Earnings coverage of net charge-offs (x) | 0.6838% | 4,110 |
| Efficiency ratio | 78.7020% | 2,734 |
| Assets per employee ($millions) | 4.3438% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6722% | 1,236 |
| Loan loss allowance to noncurrent loans | 98.7769% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 5.1567% | 1,218 |
| Noncurrent loans to loans | 2.7053% | 2,788 |
| Net loans and leases to total assets | 62.7278% | 3,711 |
| Net loans and leases to deposits | 89.3899% | 1,311 |
| Net loans and leases to core deposits | 89.8386% | 2,370 |
| Total domestic deposits to total assets | 70.1733% | 7,171 |
| Equity capital to assets | 6.9065% | 7,115 |
| Core capital (leverage) ratio | 5.9354% | 7,265 |
| Tier 1 risk-based capital ratio | 8.6051% | 7,254 |
| Total risk-based capital ratio | 10.7615% | 7,147 |
| Memoranda: | ||
| Average total assets | $831,104,000 | 807 |
| Average earning assets | $718,828,000 | 854 |
| Average equity | $56,982,000 | 1,170 |
| Average total loans | $542,055,500 | 799 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2382% | 3,419 |
| Cost of funding earning assets | 1.6356% | 1,883 |
| Net interest margin | 3.6026% | 4,806 |
| Noninterest income to average assets | 0.2617% | 5,922 |
| Noninterest expense to average assets | 3.1623% | 3,226 |
| Loan and lease loss provision to assets | 1.5614% | 935 |
| Net operating income to assets | -0.8072% | 6,582 |
| Return on assets (ROA) | -0.6336% | 6,502 |
| Pretax return on assets | -1.0303% | 6,662 |
| Return on Equity (ROE) | -9.1907% | 6,689 |
| Retained earnings to average equity (ytd only) | -9.1907% | 6,610 |
| Net charge-offs to loans | 2.0875% | 960 |
| Credit loss provision to net charge-offs | 112.4990% | 3,881 |
| Earnings coverage of net charge-offs (x) | 0.1872% | 5,922 |
| Efficiency ratio | 92.2013% | 1,168 |
| Assets per employee ($millions) | 4.3362% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8157% | 1,034 |
| Loan loss allowance to noncurrent loans | 76.1038% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 5.6791% | 1,080 |
| Noncurrent loans to loans | 3.6998% | 2,008 |
| Net loans and leases to total assets | 64.1237% | 3,847 |
| Net loans and leases to deposits | 90.9027% | 1,410 |
| Net loans and leases to core deposits | 91.4314% | 2,563 |
| Total domestic deposits to total assets | 70.5411% | 7,206 |
| Equity capital to assets | 6.8065% | 7,171 |
| Core capital (leverage) ratio | 5.7731% | 7,336 |
| Tier 1 risk-based capital ratio | 8.0475% | 7,345 |
| Total risk-based capital ratio | 10.1637% | 7,265 |
| Memoranda: | ||
| Average total assets | $885,445,200 | 763 |
| Average earning assets | $776,740,200 | 787 |
| Average equity | $61,040,200 | 1,090 |
| Average total loans | $588,682,600 | 759 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2563% | 3,547 |
| Cost of funding earning assets | 1.6992% | 1,883 |
| Net interest margin | 3.5571% | 5,074 |
| Noninterest income to average assets | 0.3473% | 5,390 |
| Noninterest expense to average assets | 3.1484% | 3,115 |
| Loan and lease loss provision to assets | 1.4966% | 891 |
| Net operating income to assets | -0.7242% | 6,743 |
| Return on assets (ROA) | -0.5700% | 6,695 |
| Pretax return on assets | -0.9281% | 6,817 |
| Return on Equity (ROE) | -8.2435% | 6,849 |
| Retained earnings to average equity (ytd only) | -8.2435% | 6,786 |
| Net charge-offs to loans | 1.8842% | 1,016 |
| Credit loss provision to net charge-offs | 119.2590% | 3,463 |
| Earnings coverage of net charge-offs (x) | 0.2610% | 5,760 |
| Efficiency ratio | 90.3761% | 1,254 |
| Assets per employee ($millions) | 4.5040% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7447% | 1,043 |
| Loan loss allowance to noncurrent loans | 100.1858% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 5.1487% | 1,236 |
| Noncurrent loans to loans | 2.7396% | 2,899 |
| Net loans and leases to total assets | 64.4164% | 4,039 |
| Net loans and leases to deposits | 90.2182% | 1,697 |
| Net loans and leases to core deposits | 91.5571% | 2,865 |
| Total domestic deposits to total assets | 71.4007% | 7,192 |
| Equity capital to assets | 7.0256% | 7,337 |
| Core capital (leverage) ratio | 5.9221% | 7,444 |
| Tier 1 risk-based capital ratio | 8.3457% | 7,447 |
| Total risk-based capital ratio | 10.4437% | 7,342 |
| Memoranda: | ||
| Average total assets | $897,584,000 | 750 |
| Average earning assets | $789,455,000 | 772 |
| Average equity | $62,059,500 | 1,084 |
| Average total loans | $597,805,000 | 745 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2703% | 3,603 |
| Cost of funding earning assets | 1.7500% | 1,865 |
| Net interest margin | 3.5204% | 5,159 |
| Noninterest income to average assets | 0.6105% | 3,254 |
| Noninterest expense to average assets | 3.1401% | 3,143 |
| Loan and lease loss provision to assets | 1.6455% | 785 |
| Net operating income to assets | -0.6604% | 6,786 |
| Return on assets (ROA) | -0.6033% | 6,770 |
| Pretax return on assets | -0.9791% | 6,880 |
| Return on Equity (ROE) | -8.7700% | 6,920 |
| Retained earnings to average equity (ytd only) | -8.7700% | 6,854 |
| Net charge-offs to loans | 2.1771% | 823 |
| Credit loss provision to net charge-offs | 113.2849% | 3,592 |
| Earnings coverage of net charge-offs (x) | 0.3973% | 5,335 |
| Efficiency ratio | 84.2852% | 1,890 |
| Assets per employee ($millions) | 4.5967% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5211% | 1,276 |
| Loan loss allowance to noncurrent loans | 85.2074% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 5.3812% | 1,160 |
| Noncurrent loans to loans | 2.9588% | 2,708 |
| Net loans and leases to total assets | 65.9207% | 3,853 |
| Net loans and leases to deposits | 92.3519% | 1,475 |
| Net loans and leases to core deposits | 93.9789% | 2,714 |
| Total domestic deposits to total assets | 71.3800% | 7,232 |
| Equity capital to assets | 7.1136% | 7,305 |
| Core capital (leverage) ratio | 5.8412% | 7,506 |
| Tier 1 risk-based capital ratio | 8.3616% | 7,494 |
| Total risk-based capital ratio | 10.4298% | 7,376 |
| Memoranda: | ||
| Average total assets | $910,021,330 | 736 |
| Average earning assets | $803,100,000 | 757 |
| Average equity | $62,599,670 | 1,061 |
| Average total loans | $607,141,670 | 741 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1486% | 4,306 |
| Cost of funding earning assets | 1.7898% | 1,919 |
| Net interest margin | 3.3587% | 5,756 |
| Noninterest income to average assets | 0.5089% | 3,981 |
| Noninterest expense to average assets | 3.0704% | 3,388 |
| Loan and lease loss provision to assets | 1.6666% | 688 |
| Net operating income to assets | -0.7690% | 6,995 |
| Return on assets (ROA) | -0.7863% | 7,025 |
| Pretax return on assets | -1.2750% | 7,174 |
| Return on Equity (ROE) | -11.6176% | 7,193 |
| Retained earnings to average equity (ytd only) | -11.6176% | 7,047 |
| Net charge-offs to loans | 2.5031% | 652 |
| Credit loss provision to net charge-offs | 100.4414% | 3,375 |
| Earnings coverage of net charge-offs (x) | 0.2524% | 4,820 |
| Efficiency ratio | 87.7995% | 1,606 |
| Assets per employee ($millions) | 4.5306% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3033% | 1,574 |
| Loan loss allowance to noncurrent loans | 67.5283% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 4.8898% | 1,330 |
| Noncurrent loans to loans | 3.4109% | 2,335 |
| Net loans and leases to total assets | 64.0685% | 4,311 |
| Net loans and leases to deposits | 87.7065% | 2,279 |
| Net loans and leases to core deposits | 89.5734% | 3,422 |
| Total domestic deposits to total assets | 73.0488% | 7,153 |
| Equity capital to assets | 6.7244% | 7,474 |
| Core capital (leverage) ratio | 5.8471% | 7,602 |
| Tier 1 risk-based capital ratio | 8.3487% | 7,575 |
| Total risk-based capital ratio | 10.3899% | 7,458 |
| Memoranda: | ||
| Average total assets | $928,348,500 | 734 |
| Average earning assets | $823,761,500 | 754 |
| Average equity | $62,835,500 | 1,066 |
| Average total loans | $615,402,500 | 747 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4312% | 4,529 |
| Cost of funding earning assets | 2.3283% | 1,542 |
| Net interest margin | 3.1030% | 6,356 |
| Noninterest income to average assets | 0.2927% | 6,021 |
| Noninterest expense to average assets | 2.7814% | 5,044 |
| Loan and lease loss provision to assets | 1.4877% | 1,548 |
| Net operating income to assets | -0.6321% | 6,300 |
| Return on assets (ROA) | -0.6900% | 6,349 |
| Pretax return on assets | -1.2582% | 6,579 |
| Return on Equity (ROE) | -11.4858% | 6,732 |
| Retained earnings to average equity (ytd only) | -11.4858% | 6,640 |
| Net charge-offs to loans | 2.5980% | 874 |
| Credit loss provision to net charge-offs | 87.2120% | 6,095 |
| Earnings coverage of net charge-offs (x) | 0.1876% | 5,960 |
| Efficiency ratio | 89.4856% | 1,749 |
| Assets per employee ($millions) | 4.4827% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2537% | 1,559 |
| Loan loss allowance to noncurrent loans | 52.9194% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 4.6143% | 1,388 |
| Noncurrent loans to loans | 4.2588% | 1,708 |
| Net loans and leases to total assets | 65.4917% | 4,282 |
| Net loans and leases to deposits | 89.8568% | 2,233 |
| Net loans and leases to core deposits | 102.7172% | 3,719 |
| Total domestic deposits to total assets | 72.8845% | 7,167 |
| Equity capital to assets | 6.8127% | 7,459 |
| Core capital (leverage) ratio | 5.9731% | 7,638 |
| Tier 1 risk-based capital ratio | 8.5316% | 7,581 |
| Total risk-based capital ratio | 10.5620% | 7,314 |
| Memoranda: | ||
| Average total assets | $1,025,484,400 | 655 |
| Average earning assets | $928,203,800 | 655 |
| Average equity | $61,606,400 | 1,074 |
| Average total loans | $673,320,600 | 693 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5278% | 4,285 |
| Cost of funding earning assets | 2.4455% | 1,467 |
| Net interest margin | 3.0823% | 6,358 |
| Noninterest income to average assets | 0.4066% | 5,233 |
| Noninterest expense to average assets | 2.7859% | 4,950 |
| Loan and lease loss provision to assets | 1.2927% | 1,488 |
| Net operating income to assets | -0.4197% | 6,343 |
| Return on assets (ROA) | -0.5775% | 6,501 |
| Pretax return on assets | -1.1199% | 6,776 |
| Return on Equity (ROE) | -9.9054% | 6,886 |
| Retained earnings to average equity (ytd only) | -9.9054% | 6,794 |
| Net charge-offs to loans | 2.4141% | 765 |
| Credit loss provision to net charge-offs | 81.9235% | 5,709 |
| Earnings coverage of net charge-offs (x) | 0.2658% | 5,749 |
| Efficiency ratio | 86.7309% | 1,990 |
| Assets per employee ($millions) | 4.8083% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1449% | 1,513 |
| Loan loss allowance to noncurrent loans | 53.7048% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 4.2592% | 1,468 |
| Noncurrent loans to loans | 3.9938% | 1,839 |
| Net loans and leases to total assets | 65.1305% | 4,621 |
| Net loans and leases to deposits | 88.1473% | 2,928 |
| Net loans and leases to core deposits | 105.9320% | 3,707 |
| Total domestic deposits to total assets | 73.8882% | 6,967 |
| Equity capital to assets | 6.6994% | 7,710 |
| Core capital (leverage) ratio | 5.9752% | 7,803 |
| Tier 1 risk-based capital ratio | 8.4266% | 7,739 |
| Total risk-based capital ratio | 10.4163% | 7,554 |
| Memoranda: | ||
| Average total assets | $1,049,876,000 | 651 |
| Average earning assets | $953,247,500 | 647 |
| Average equity | $61,204,000 | 1,102 |
| Average total loans | $686,220,500 | 697 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5230% | 4,495 |
| Cost of funding earning assets | 2.5783% | 1,347 |
| Net interest margin | 2.9446% | 6,696 |
| Noninterest income to average assets | 0.3889% | 5,389 |
| Noninterest expense to average assets | 2.7161% | 5,321 |
| Loan and lease loss provision to assets | 1.2048% | 1,428 |
| Net operating income to assets | -0.3563% | 6,403 |
| Return on assets (ROA) | -0.3775% | 6,431 |
| Pretax return on assets | -0.8842% | 6,736 |
| Return on Equity (ROE) | -6.7838% | 6,776 |
| Retained earnings to average equity (ytd only) | -6.7838% | 6,534 |
| Net charge-offs to loans | 2.8723% | 572 |
| Credit loss provision to net charge-offs | 64.5332% | 5,519 |
| Earnings coverage of net charge-offs (x) | 0.1895% | 5,481 |
| Efficiency ratio | 88.2803% | 1,980 |
| Assets per employee ($millions) | 4.7288% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8853% | 1,828 |
| Loan loss allowance to noncurrent loans | 37.5840% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 4.8561% | 1,121 |
| Noncurrent loans to loans | 5.0162% | 1,224 |
| Net loans and leases to total assets | 64.9928% | 4,764 |
| Net loans and leases to deposits | 87.1410% | 3,328 |
| Net loans and leases to core deposits | 105.6964% | 3,871 |
| Total domestic deposits to total assets | 74.5835% | 6,851 |
| Equity capital to assets | 5.6815% | 7,974 |
| Core capital (leverage) ratio | 5.1530% | 8,013 |
| Tier 1 risk-based capital ratio | 7.2840% | 7,979 |
| Total risk-based capital ratio | 9.2236% | 7,934 |
| Memoranda: | ||
| Average total assets | $1,072,870,000 | 651 |
| Average earning assets | $976,830,000 | 643 |
| Average equity | $59,700,670 | 1,138 |
| Average total loans | $697,339,330 | 704 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4477% | 5,185 |
| Cost of funding earning assets | 2.7270% | 1,187 |
| Net interest margin | 2.7207% | 7,158 |
| Noninterest income to average assets | 0.4215% | 5,035 |
| Noninterest expense to average assets | 2.7017% | 4,998 |
| Loan and lease loss provision to assets | 1.1074% | 1,180 |
| Net operating income to assets | -0.2403% | 6,605 |
| Return on assets (ROA) | -0.4240% | 6,874 |
| Pretax return on assets | -1.1884% | 7,251 |
| Return on Equity (ROE) | -7.6942% | 7,215 |
| Retained earnings to average equity (ytd only) | -7.6942% | 6,881 |
| Net charge-offs to loans | 2.6343% | 510 |
| Credit loss provision to net charge-offs | 65.2537% | 4,432 |
| Earnings coverage of net charge-offs (x) | 0.1214% | 4,879 |
| Efficiency ratio | 92.7152% | 1,524 |
| Assets per employee ($millions) | 5.1350% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0932% | 1,247 |
| Loan loss allowance to noncurrent loans | 37.5719% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 4.7425% | 986 |
| Noncurrent loans to loans | 5.5712% | 911 |
| Net loans and leases to total assets | 61.9659% | 5,334 |
| Net loans and leases to deposits | 82.7231% | 4,172 |
| Net loans and leases to core deposits | 104.1418% | 4,123 |
| Total domestic deposits to total assets | 74.9077% | 6,727 |
| Equity capital to assets | 5.4531% | 8,075 |
| Core capital (leverage) ratio | 5.0050% | 8,124 |
| Tier 1 risk-based capital ratio | 7.1956% | 8,080 |
| Total risk-based capital ratio | 9.0627% | 8,052 |
| Memoranda: | ||
| Average total assets | $1,100,954,500 | 627 |
| Average earning assets | $1,006,077,000 | 621 |
| Average equity | $60,669,000 | 1,134 |
| Average total loans | $709,269,500 | 700 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3050% | 3,938 |
| Cost of funding earning assets | 2.9562% | 2,037 |
| Net interest margin | 3.3488% | 5,866 |
| Noninterest income to average assets | 0.7247% | 2,944 |
| Noninterest expense to average assets | 2.8859% | 4,497 |
| Loan and lease loss provision to assets | 2.3639% | 462 |
| Net operating income to assets | -0.9449% | 7,218 |
| Return on assets (ROA) | -0.9100% | 7,116 |
| Pretax return on assets | -1.4331% | 7,226 |
| Return on Equity (ROE) | -14.3359% | 7,555 |
| Retained earnings to average equity (ytd only) | -27.7231% | 7,862 |
| Net charge-offs to loans | 2.3355% | 440 |
| Credit loss provision to net charge-offs | 148.1775% | 3,559 |
| Earnings coverage of net charge-offs (x) | 0.5492% | 5,902 |
| Efficiency ratio | 73.8539% | 3,605 |
| Assets per employee ($millions) | 5.9027% | 1,193 |
| Cash dividends to net income (ytd only)* | -93.3817% | 8,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2574% | 896 |
| Loan loss allowance to noncurrent loans | 46.4948% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 4.1189% | 982 |
| Noncurrent loans to loans | 4.8552% | 930 |
| Net loans and leases to total assets | 64.0818% | 5,256 |
| Net loans and leases to deposits | 85.2027% | 4,224 |
| Net loans and leases to core deposits | 107.8899% | 3,982 |
| Total domestic deposits to total assets | 75.2111% | 6,403 |
| Equity capital to assets | 5.5684% | 8,126 |
| Core capital (leverage) ratio | 5.3352% | 8,183 |
| Tier 1 risk-based capital ratio | 7.6088% | 8,122 |
| Total risk-based capital ratio | 9.5282% | 8,080 |
| Memoranda: | ||
| Average total assets | $1,061,039,600 | 627 |
| Average earning assets | $962,410,600 | 624 |
| Average equity | $67,348,200 | 991 |
| Average total loans | $724,777,000 | 664 |